vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, I made a deposit of {$1000.00} ( a government check from the state of California ). Initially, the teller advised me there was a hold on the check. After explaining to him that the government check should not be placed on hold, another teller and the branch manager assisted in reversing the deposit transaction, and made the deposit again, making sure to select the correct deposit options that indicate the type of check being deposited. At this time, I was told that there was no hold on check and the funds are available to be used. After logging in online to make sure the information was accurate, I did see the availability of the check. The deposit receipt also did not indicate a hold. 

Around XXXX XXXX that night, I received an email from Bank of America, stating that the check I had deposited was being placed on a XXXX business day hold. I called BofA the next day and provided them information on Reg CC hold limitations on government checks. I was told by the representative that this was due to the account being new, even though the bank 's deposit account agreement states that even for new accounts ( under 30 days ), government checks are to be available on the next business day, which was not the case for my deposit. 

I walked over to the XXXX XXXX branch and was told by the branch manager that the type of hold placed on the check was due to back office suspicions of the check possibly returning. Again I explained that the check was a government check from the state of California, but he indicated that there was nothing he could do. I asked him to call the back office to see if there was anything he could do. The branch manager called this " back office '' department to see if there was a way to remove the hold, which they did not. Bank of America has violated Reg CC by not only not providing the availability notice to me on my deposit receipt, then verbally telling me that the funds are available, which was later confirmed online by me, but they also violated the regulation by later placing an extended hold on the government check that is well under {$5000.00}. They are required to make these funds available to me at most by the next business day and have not done so. 

To further add insult to injury, the branch manager also told me that this back office department places holds on deposits when they get suspicious that the check might return for insufficient funds. I fail to understand how that would be possible in the case of a check that is written from the State of California. These checks are typically treated like cashier 's checks, unless you are making your deposit at Bank of America apparently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
On XX/XX/22 I was contacted by ( XXXX ) XXXX at XXXX and was unable to answer right away. From the moment I called back at XXXX I was pressured into making an immediate payment. I was communicating to the agent that at that moment it wasnt the best time for me to set up an arrangement ( I would have to look at my budget ) and she began to get super hostile and tried to strong arm me. Despite me reassuring her that I would call back at a later time to set something up, she cuts me off and threatened to tell the creditor that I was unwilling to pay the debt and hung up. This is the worst experience Ive ever had with a debt collection and the fact that she said that worries me that legal action is going to follow even though I told her I would call back to set an arrangement. Please if you can investigate the call because right now Im too intimidated by her behavior to even call back and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Claim : Defamation of Character Wakefield and Associates have injured me by placing a collection account on my consumer reports without giving written proof that I owe them a debt which is a violation of 15 U.S. Code 1692e. 

No contract provided with my wet signature No forward flow agreement provided No aggregate value provided No invoice was provided for the sale of the alleged debt No proof that they bought any debt This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Business checks that were deposited into my personal checking account at wells Fargo while I was in XXXX XXXX XXXX  This is going on over 8 weeks And its always one more day or need more information Now causing bills to be late And when accounts frozen Causing late fees and return check feed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act the following credit reporting agencies, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose They are reporting late payments on the following accounts XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I notified Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that the three accounts were opened by an unknown third party without my knowledge or consent while I was XXXX XXXXXXXX I have been living and working in XXXX since 2012 and I have no idea who opened the accounts. I asked Experian to fully investigate. They did nothing. This is outrageous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been a Paypal customer for years and am a victim of a cyber attack. 

The morning of XX/XX/2022 I logged into my Paypal account and noticed 2 unauthorized Paypal transactions ; one for {$980.00} ( Transaction ID : XXXX ) and another for {$970.00} ( Transaction ID : XXXX ). 

I also found out that my Credit Cards and Debit accounts were also compromised. I have also opened a case with my local Sheriff department ; XXXX XXXX XXXX XXXX case XXXX XXXXXXXX and submitted a complaint with the FBI : XXXX XXXX XXXX XXXX. 

I received an email from Paypal stating " You may request a copy of the documents we used in determining the final outcome of the investigation ''. I would like to receive a copy and also please help me understand what was written in the email : We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 
I am the only authorized user of this account. I have not authorized these transactions. 

Based on our review, we found this transaction is consistent with your PayPal payment history. 
I have not used my Paypal in over a year, and despite this, I have never used it for purchases online. It has always been used to send and receive money to family and friends. I have never interacted with XXXX and no payments were made or received prior to this incident. Which leads me to ask, how is this consistent with my Paypal Payment History? The first fraudulent transaction ( Transaction ID XXXX XXXXXXXX ) did not go through because Paypal deemed it to be fraudulent, so why am I being penalized when the system allowed it to go through the second time? 

Based on our review, we found this transaction is consistent with your PayPal history. 
To reiterate, how could this be consistent with my Paypal history when I have never made large transactions with Paypal. Let alone not having made transactions in the last year. And never with the email address in question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of United states ) that the foregoing is true and correct to the best of my knowledge. Further i certify that i am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. 
This collection found within my credit report are not related to any transaction that i made. i am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Multiple unauthorized transactions were made with my account. There were transactions in XXXX, Ga, XXXX, Ga, and XXXX, Ga. I live in XXXX, Ga and that is where I was located at the time of these transactions. This is verified by other transactions on these dates posted in my account. 

All Transactions were posted on XX/XX/XXXX XXXX. 
ATM WITHDRAWAL ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ATM ID XXXX Amount : {$300.00} XXXX. 
ATM WITHDRAWAL ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ATM ID XXXX Amount : {$480.00} XXXX. 
PURCHASE WITH CASH BACK ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$20.00} XXXX. 
PURCHASE CASH BACK XXXX XXXX XXXX XXXX XXXX GA Amount : {$1.00} XXXX. 
PURCHASE ON XX/XX/XXXX QT XXXX XXXX GA XXXX Amount : {$25.00} XXXX. 
PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX # XXXX XXXX GA XXXX XXXX : {$1.00} Wells Fargo stated that there was no fraud detected by these transactions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX account on my credit report. showing late payments. this account is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
I was paying my mortgage and putting extra on my payment wanted to pay down my loan I noticed less and less was coming off the principal and more going to the interest I called and questioned this and I was told this is happening because I was paying to early on my mortgage even though I was paying after the statement date I ask to have it revised my extra payment and have it to to the principal they did for one month call back and questioned about the other month and was told they will reimburse me never got it I called back and the lady said it was denied why she had no answer I also was trying to get the full break down of how everything was split up between interest and principal 3 different times and still have not received it I need someone to help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i XXXX XXXX, natural person, i am disputing on my own with the help of no one In accordance with the Fair Credit Reporting act. The List of inquires below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation