vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
The following pertains to my relationship with U.S Bank. and this is an emergency. 

On or about XX/XX/XXXX, I opened up a client trust account with U.S. Bank. I already had an IOLTA and operating account open and those accounts had been opened with Union Bank in approximately XXXX of XXXX  ( prior to U.S. Bank 's acquisition of UB ). 

My client wrote a check for the purposes of opening the above described client trust account, but wrote the check for too large a sum. Apparently U.S. Bank did not verify whether the check was good. I did reasonably verify with my client that the check would fund to the best of my ability, but unfortunately my client was mistaken. It was certainly not an intentional act on his part. 

Understandably, my client 's check was returned. However, U.S. Bank then proceeded to close both my general IOLTA and operating accounts. 

I spoke with an individual -- a U.S. bank representative named " XXXX '' on XX/XX/XXXX. I was informed that the bank would not release any money until XX/XX/XXXX, and that it would take an additional 5-7 business days for me to receive that check in the mail. 

Until I receive that money, I can not take on any new business and all business expenses including court filings, legal services e.g. XXXX  must come from personal money and/or credit cards. It's going to take about 30 days to establish a new bank account due to the processes involved. 

U.S. Bank has destroyed my ability to do business for at least a month over a mistake I didn't make and seemingly through its own negligence by failing to verify a check for a large amount ( again, not a check I wrote ). I have never had a negative balance with either Union or U.S. Bank. There has never been an incidence of fraud or any other negative event involved in my dealings with any business at any time. 

Yet, without any warning -- not a single phone call or email, U.S. cut me off from being able to do business. The professional consequences to me could be extensive for myriad reasons, not to mention it is outright embarrassing ( which could have professional consequences as well ). 

Thank you for your prompt attention to this matter.

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 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I have made payments every month. My mortgage company, Mr. Cooper has cashed my checks. They are now saying I have not made a payment since XXXX, but I have made those payments and the checks have cleared the bank. I am attaching copies of cashed checks as well as a spreadsheet that shows every payment made since XX/XX/2018. 

They have not paid my taxes and insurance even though they have received the money. 

They have not applied the payments to my principal amount. 

They are saying the amount I owe is XXXX. 

Mr. Cooper has stolen my money and mis-appropriated the funds they have been receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America never provided a resolution or goodwill. 
My credit report is still affected as well as my Insurance Score. 
This adverse action has reduced my insurance score which is impacting a higher insurance rate. 
The Bank claims the issue has been resolved but refuses to contact the credit agencys to update the information. 
This bank reported to the credit agencys twice in error. 
The first time the late payment was disputed the bank falsified a record stating that I was late and I had to write letters and exhaustively contact this bank without any help. If this bank refuses to provide a reasonable goodwill I will be filing a lawsuit for violating the fair credit reporting act as well as negligence and failure to respond.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Kia Finance concerning their reporting practices on my credit report. The issue revolves around an item reported under the account number XXXX. Despite multiple attempts to address this matter directly with Kia Finance, I have encountered persistent issues with their response and investigation process. 

Upon my initial dispute with Kia Finance, I received a response dated XX/XX/2023, indicating that they had conducted an investigation. However, the letter was addressed to " XXXX XXXX, '' which is an incorrect spelling of my name. Subsequently, I provided another dispute to Kia Finance, and their response dated XX/XX/2023, was once again addressed incorrectly to " XXXX XXXX. '' This repeated error in addressing my name raises concerns about the thoroughness of their investigation and the accuracy of their record-keeping. 

Furthermore, Kia Finance stated that I had not provided sufficient information for them to commence an investigation. However, I firmly believe that the information I provided was comprehensive and adequate for Kia Finance to conduct a thorough investigation into the matter. Despite this, it appears that they have not undertaken a proper review of the dispute.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have previously submitted a letter to the XXXX XXXX requesting the removal of certain inquiries, inaccurate names and inaccurate addresses from my credit file. Despite this, the inquiries, inaccurate names and inaccurate addresses detailed below persist on my credit report, thereby violating Federal Law. TheTransUnion bureauhas failed to adhere to the stipulations outlined in the Fair Credit Reporting Act, specifically under 15 USC sections 1681i, within the designated time frame. The continued reporting of unconfirmed information is not in compliance with the regulations. I urge XXXX to promptly remove these inquiries entirely from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These are not my accounts and should not be on my credit report. I needed these to be remove right away. 

1. XXXX XXXXXXXX - Account # : XXXX 2. XXXX XXXX - Account # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : 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 explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX I received notification from Truist that they no longer accepted my homeowners insurance company due to a third party 's rating of that company. They forced me to find new insurance. This insurance company has insured my home since I purchased it in XXXX. Truist bought my loan and accepted my insurance company when they became my mortgage company. I had no choice in his decision. I called Truist to complain and a telephone operator told me I should be thankful I don't live in Florida because homeowner 's can't get insurance there. It had nothing to do with my situation, however it is very difficult to get insurance in California. My options were very limited. I requested Truist sell my loan to another company who would accept my insurance company and they refused. They told me I would have to re-finance the loan, at three times the interest rate I currently have, and it was possible that Truist would again become my mortgage company. Truist has XXXX financial interest in my house. I have a XXXX interest. Somehow they are telling me to find a new insurance company and I have no say in the matter. This is a bully tactic. I didn't choose to do business with Truist. They chose to do business with me and my insurance company, only to suddenly have a change of heart. It's pure deception on their part.

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 2023-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I used to have a Wells Fargo account and was recently informed of a settlement that they gave out for clients who experienced overdraft fees. How can I have access to this money? 

Best, 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 explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Review the attached documents. I request the bureau to initiate an investigation into these accounts where I am consistently on time, despite being reported as late.

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 2023-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express reported my credit accounts as charge-offs to the consumer reporting agencies. One of the debt, I received a mail from a collection agency as per the envelope, but it is actually a law firm on the letter head. I sent an a letter on XX/XX/23 requesting debt validation, I have yet to receive the information. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) RE : Reference # XXXX Even though these accounts are listed as charge offs, and some sold to debt collectors, American Express is still sending mail trying to collect the debt. Not to mention the fact, I never received no 1099-C from the company for any of these reported charge-offs. American Express also gave the consumer reporting agency a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX CA XXXX ) as one of my residential address. I have request it removed, because I never lived there, yet it is still listed on my XXXX and XXXX XXXX. It is obvious American Express is not adhering to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: CA

Complaint narrative:
There is three hard inquiries on my credit report for XXXX. Its only supposed to be one to others that is fraudulent and I would like them removed so Im making a statement so I can give it to XXXX in order for them to remove it.

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 2023-12-01 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I sent a certified letter on XXXX to each of the 3 credit reporting agencies ; TransUnion, XXXX, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct.

I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX Account XXXX : XXXX In accordance with the Fair Credit Reporting Act, Convergent Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions.

For example, the Date Opened for the account had multiple dates on the 3 credit reports. TransUnion has dated opened as XXXX and XXXX XXXX XXXX have it as XXXX - INCONSISTENCY! 
Another example is Reporting Date from TransUnion is XXXX and XXXX XXXX XXXX have it as XXXX - INCONSISTENCY! 
Another example is Credit Limit from XXXX has a {$0.00} limit, while TransUnion XXXX XXXX have it as {$280.00} - INCONSISTENCY! 
See attached Latest Credit Report dated XXXX for all 3 credit reports.

See attached compiled PDF of pages 6-7 of Credit Report showing XXXX XXXX Due to these inconsistencies this file must be deleted 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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a certified letter on XXXX to each of the 3 credit reporting agencies ; XXXX, Equifax, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct.

I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX Account XXXX : XXXX In accordance with the Fair Credit Reporting Act, Convergent Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions.

For example, the Date Opened for the account had multiple dates on the 3 credit reports. XXXX has dated opened as XXXX and Equifax XXXX XXXX have it as XXXX - INCONSISTENCY! 
Another example is Reporting Date from XXXX is XXXX and Equifax XXXX XXXX have it as XXXX - INCONSISTENCY! 
Another example is Credit Limit from Equifax has a {$0.00} limit, while XXXX XXXX XXXX have it as {$280.00} - INCONSISTENCY! 
See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled PDF of pages 6-7 of Credit Report showing XXXX XXXX Due to these inconsistencies this file must be deleted please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I sent a certified letter on XXXX to each of the 3 credit reporting agencies ; XXXX, XXXX, and Experian, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct.

I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX Account XXXX : XXXX In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions.

For example, the Date Opened for the account had multiple dates on the 3 credit reports. XXXX has dated opened as XXXX and XXXX XXXX Experian have it as XXXX - INCONSISTENCY! 
Another example is Reporting Date from XXXX is XXXX and XXXX XXXX Experian have it as XXXX - INCONSISTENCY! 
Another example is Credit Limit from XXXX has a {$0.00} limit, while XXXX XXXX Experian have it as {$280.00} - INCONSISTENCY! 
See attached Latest Credit Report dated XXXX for all XXXX credit reports. 
See attached compiled PDF of pages 6-7 of Credit Report showing XXXX XXXX Due to these inconsistencies this file must be deleted 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 explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hey there, my name is XXXX XXXX and I have been running around for months trying to get my money back. I've talked to my XXXX multiple times and they have provided me with adequate proofwhich shows that they no longer have my funds and that Wells Fargo indeed is responsible for my loss of funds. I received a CPFBnotification stating that my Wells Fargo complaint has been closed and that I will not receive access to my hard-earned money because I there is proof that Wells Fargo sent my funds back to XXXX ( XXXX XXXX ). When I heard this, I was over the moon because I thought was finally the proof that I needed to show XXXX in order to get my money back, but after giving XXXX this information, they informed me that a chargeback had been done with my card issuer ( Wells Fargo ) which means that the seller now currently has my money and there is no way of getting this back. I have submitted a few document to this complaint, included that of XXXX 's which states that I submitted a chargeback with Wells Fargo ( which I clearly didn't as I didn't have access to this closed account ).

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; XXXX, Equifax, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, Convergent Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions.

For example, the Date Opened for the account had multiple dates on the 3 credit reports. XXXX Account opened, XXXX, Equifax XXXX XXXX, XXXX INCONSISTENCY! 
Another example, Equifax has account still open while XXXX XXXX XXXX have it closed- INCONSISTENCY! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled PDF of pages 2-4,23 of Credit Report showing XXXX XXXX XXXX Due to these inconsistencies this file must be deleted please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
On XXXX I sent a certified letter to each of the XXXX credit reporting agencies ; XXXX, XXXX, and Experian, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, Convergent Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions. 

For example, the Date Opened for the account had multiple dates on the 3 credit reports. XXXX Account opened, XXXX, XXXX XXXX Experian, XXXX INCONSISTENCY! 
Another example, XXXX has account still open while Experian XXXX XXXX have it closed- INCONSISTENCY! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled PDF of pages XXXX of Credit Report showing XXXX XXXX XXXX Due to these inconsistencies this file must be deleted 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 explanation