vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is in regards to account XXXX under XXXX XXXX XXXX XXXX credit report. All 3 credit bureaus are reporting that I have late payments with XXXX XXXX XXXX XXXX - XX/XX/2019, but this is incorrect information as I was not late on payments during this reported time frame. I have tried to resolve the issue directly with XXXX but they claimed to not be able to make any changes. I understand under my legal rights that any information that is inaccurate must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I called Bank of America to remove a deceased individual from my account. The estate did not have to go through probate, due to size per probate judge in New Jersey. I visited the Bank of America branch in XXXX, New Jersey to remove XXXX XXXX XXXX from the joint account ( XXXX XXXX XXXX ), and again in XXXX at the XXXX XXXX XXXX in XXXX, TX. I tried to remove XXXX XXXX XXXX again this week and found my accounts with a 50 % hold until I submit NJ XXXX forms and another death certificate. This has been done twice already. I found the estate case XXXX, XXXX XXXX, very condescending and not helpful. He offered to send the necessary forms to my email, but these were not received. I had asked to speak to his supervisor, XXXX XXXX, but was told she was not available and would call in 48 to 72 hours ( I phoned on a Friday, so this was not possible ). I believe the holds were retaliation from threatening to remove my accounts from my impatience of having to do this for a third time. My funds are still on hold and restricted. I work for the XXXX, so if checked get returned for XXXX, it could cause me to lose my job. I spoked to the estate department 's customer service again at XXXX XXXX Central today ( XX/XX/XXXX ) and was promised a call back within 15 minutes, but never received a call.

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 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover bank had frozen my account and tells me to call immediately. Agents are unavailable and wait time is advised at over 2 hours. After THREE hours of waiting the system times out and call is disconnected. This is NOT right and my money is hostage!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
1. Facts matter, 2. Payments made, no matter how " early '', deduct from the balance, and, eliminate a scheduled payment ; unless otherwise noted [ ie : extra principal only '', etc ], a. those early payments are also and should also be included in whatever method used by that credit reporting agency to generate or calculate their assigned " FICO Score '', b. I have three monthly accounts that I pay ( approximately {$2000.00} ) all are XXXX ( XXXX ) months in advance [ ie : by XX/XX/XXXX all had already been paid for both XXXX and XX/XX/2022 are already paid on all three ( XXXX ) accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] and have been for nearly XXXX ( XXXX ) months now, c. None of those accounts were/are accurate as it relates to my Credit Report also the payments made/received and therefor the balance due, save XXXX XXXX  has finally began generating timely accurate payment coupons { but their issues deepen }, or deliver payment demands that accurately reflect that next payment due in a Reasonable Timely Manner, 3. Therefor the Final Product { ie : an analysis of my Creditworthiness } is not and can not be accurate [ I contend the same to be true for all three Credit Reporting Agency ( s ) ] or relied upon, 4. Moreover the assertions contained within my electronic data that caused XXXX XXXX to issue a Notice of Adverse Action was now in hindsight based up not only wrong data but also simple poor math and misunderstanding what it means to be a XXXX Veteran as it relates to the Debt-to-Income ratio as most lenders know that XXXX XXXX receive more of their monthly allotment because there aren't those levy ( s ) on " earned income '' These two issues need to be addressed but most certainly the idea that the reporting entities can or have even asserted that those gathering the information " do not allow the recording of early payments ''. Maybe a better understanding of Veteran and XXXX compensation would help not only lenders but Credit Reporting Agencies facts on which they can rely as opposed to painting all " income '' with one brush.

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
On XXXX XXXX, 2022, I tried to temporarily unfreeze my credit report on Experian. I could not log into my account even though I had all correct information. I could not reset my log information neither, it says my account does not exist. But Experian`s automated service has my information, but it could not unfreeze it. I tried numerous times to reach a customer service agent, was not successful and Experian does not return messages neither.

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 2022-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: WI

Complaint narrative:
I have a merchant account with First data. Out of nowhere they sent me an email asking me several questions about the business but before I could respond to the email someone called asking me those same questions. I answered all of those questions and emailed over the bank statements they requested on XX/XX/XXXX. They never mentioned putting a hold on my account. On XX/XX/XXXX they did not release my funds of {$2300.00}. They also held my funds from XX/XX/XXXX of XXXX They told me someone would follow up with me within 4 days. It has been 17 days, I cant get in contact with the risk management team nor has anyone reached out to me with a resolution for this situation.

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 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity Bank has been down since XX/XX/XXXX and I was not able to make a payment on my Ann TaylorXXXX card which was due on XX/XX/XXXX until the site was finally up ( briefly!!! ) on XX/XX/XXXX. I paid in full and asked that my account be closed. I checked twice during the week to ensure my store card was closed ( it was not! ) only to find that COMENITY IS DOWN AGAIN! ( today XX/XX/2022 ) I have other cards with Comenity but they are all on autopay and I have no idea whether they autopayed on the right days, whether they are going to be listed as late to the credit bureau but based on what i am able to see on XXXX, millions of people are having similar or worse experiences. I am luckily in that these are simply store cards that I can simply not use and as long as I do not get pinged for any late payments, but I am trying to rebuild my credit and will need to buy a car in the next 6 months and do not want this to adversely affect my credit rating. I am shocked that there is so little news about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08 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: FL

Complaint narrative:
A request was submitted on XX/XX/XXXX to this company with a FTC report and police report to block this fraudulent information from reporting. These companies have failed to comply with the law. They are still reporting fraudulent information thats allowing me not to be approved for accounts that I actually need. My federal protected consumer rights have been violated over a course of months of me reaching out to these companies. They respond stating these accounts are verified when they have yet to send me any contracts with my signature on it. Please help me resolving this information.

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 2022-07-08 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: PA

Complaint narrative:
This complaint is regarding the reinvestigation of the information I disputed on my investigative consumer report. You claim the information on my investigative consumer report regarding the account ( s ) I disputed is verified as accurate. I want the description ( s ) of your reinvestigation. The consumer report you prepare for me shall follow reasonable procedures to assure maximum possible accuracy of the information concerning me Pursuant to 15 U.S. Code 1681e ( b ).

Your procedure ( s ) is insufficient regarding a fair, accurate, equitable, confidential, reasonable reporting of me pursuant to 15 U.S. Code 1681a ( e ). Congress finds that you are to have accuracy and fairness of credit reporting and reasonable procedures pursuant to 15 U.S. Code 1681 ( a ) and15 U.S. Code 1681 ( b ) of the Fair Credit Reporting Act. From your reinvestigation, my investigative consumer report did not include information on my character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associates of me or with others with whom he is acquainted or who may have knowledge concerning any such items of information. In fact, from your reinvestigation, my investigative consumer report only included information on my credit record obtained directly from a creditor of me when such information shall not be included in an investigative consumer report. You evidently violated the FCRA!! 

I WANT THE NAMES AND ADDRESSES OF ALL NEIGHBORS, FRIENDS, ASSOCIATES, ETC. THAT YOU SPOKE TO SINCE YOU INVESTIGATED THE ACCOUNTS ON MY CONSUMER REPORT AND VERIFIED IT AS ACCURATE. Because Congress says in order for you to have conducted an investigation you had to have spoken to neighbors, friends or associates, etc., and if you spoke with them the information provided can not be factual. 

With this complaint is the confirmation that you received my correspondence via mail.

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
As of XX/XX/XXXX I have 5 new hard inquiries on my credit an each one is fraudulent, all applying for credit cards. I believe I comprised my personal information while applying for the XXXX XXXX  card on the XXXX XXXX  browser on my phone on public Wi-Fi. The 5 inquiries were for the following- XXXX XXXX XXXX XXXX XXXX bank XXXX twice it seems XXXXXXXX XXXX American Express  XXXX XXXX All of this inquiries are fraud, an possible XXXX XXXX Compliance I would like an need each one of this inquiries removed. They brought my score down XXXX points an this is unacceptable. 

I also see theres is 5 loan inquiries from XX/XX/XXXX, I only applied with XXXX XXXX that day. I only discussed that 1 company I only applied an was approved for that 1 company. The other 5 loan inquiries are Fraudulent an with out my knowledge an I would like them removed. They are the following - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so then twice, XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries were fraud an with out my knowledge I noticed while looking at these recent credit card inquiries I need these removed to apply for XXXX trucks an housing this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: RI

Complaint narrative:
XXXX lease turned in early. I was advised Id get a bill or credit once sold at auction. Months went by, nothing. In XXXX when refi my house I noticed on credit report Chrysler Capital saying I owe {$35000.00} or something in that ball park so I filed dispute. Dispute came back balance reduced to {$1900.00} but they marked me as being late for a year almost when I had no idea about the balance. They never communicated with me via email, phone call, fax, certified letter, or a letter at all. Id like to pay them what I owe but I want the negative falsely reported info removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There is an account on my credit for XXXX XXXX states I owe them over {$6400.00} for a lease- I notify the company - that was identity theft - I had made a police report - and submit it to IRS also XXXX as this person was also working under my identity. This account does not have the correct ss # - this account is not mine- Identity theft- XXXX XXXX needs to remove it from my credit score- spoke with EQUIFAX Conf # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: FL

Complaint narrative:
i sent mobile money transfer via world remit to XXXX under transaction # XXXX to XXXX XXXX in XXXX XXXX mobile number XXXX on XX/XX/2022. I call WorldRemit to ask for a refund as receipt could not collect funds XXXX XXXX. I call a supervisor at world remit and they said they had to retract payment A week later received an email stating they cant assist me as funds have been paid when XXXX never collect funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
I received a call on XX/XX/XXXX from USAA letting me know that account was hacked and someone had created an external account and transferred funds. They also told me that someone tried to make a transfer to XXXX XXXXXXXX XXXX for {$3500.00} and XXXX XXXX payment for {$900.00} in Fl. I did NOT authorize these transactions. After giving this person my information they hung on me. I called USAA back and later found out that the person who originally called me was one of the scammers. XX/XX/XXXX started the fraud and identity investigation with USAA. I spoke with someone named XXXX on XX/XX/XXXX and he found fraud in MY favor and i was to have all those funds back in 2 to 3 business days. A total of {$3700.00} per XXXX which was a fraud investigotor. I called back on Tuesday XX/XX/XXXX asking where the funds were. Spoke with someone now named XXXX she said she will care for the funds as NO one requested those. I was happy to hear this news. SHe later called me back and said never mind i looked into your account and didn't see a breach I wont get any of those funds and now has locked all access to my account. I have called USAA everyday since XX/XX/XXXX and there has always been a different answer to all my same questions. I spoke with XXXX today a fraud analyst and she told me to call back and dispute the decision which i will be doing. 

i called usaa on XX/XX/1924, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX at least 3 times per day I do not understand why 1 inverstigator can be so understanding and helpful and the next one was so rude, nasty and not helpful. 

ONCE THIS IS FIGURED OUT I WILL NOT BE CUSTOMER ANY LONGER How can USAA treat their customers like this that proudly served their country?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: IL

Complaint narrative:
XXXX XXXX notified me that there had been a hard inquiry into my account. I decided to check Experian and saw that XXXX had conducted a hard inquiry on my credit report on XX/XX/2022. I reported the fraudulent use of my information to the Federal Trade Commission. Takes 24 hours to generate a report. Reference # XXXX but the temporary password is given by FTC and it does not work with my email account. I contacted Experian and XXXX to dispute the fraudulent inquiry. Before, I had filed a report with the XXXX XXXX online when a delivery from XXXX XXXX was stolen and never delivered to my address.

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 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
Dear sir or madam : Huntington National Bank sent a {$1000.00} check from my checking account to the wrong bank and will not return my funds. I wrote a check numbered XXXX to my credit card company XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX for {$1500.00}. The credit card company accidently requested payment for only {$540.00}. I contacted the customer service department of Huntington Bank and asked them to correct the error and pay the {$1000.00} to XXXX  ( case number XXXX XX/XX/XXXX ). Nothing happened for weeks so I went to the Huntington branch in XXXX, OH, XXXX and asked them to resolve this issue. An adjustment debit for {$1000.00} was made on XXXX, XXXX, XXXX ( reference number XXXX XX/XX/XXXX ). 

The problem is that XXXX  never received the {$1000.00}. I contacted the customer service department of Huntington Bank and was told a check for {$1000.00} was sent to XXXX XXXX. I asked why the check was sent to XXXX XXXX  and not XXXX  and they said it is a subsidiary bank that handles XXXX  accounts. I contacted the customer service department of XXXX and was told XXXX XXXX  does not handle their accounts. I wrote a letter to Huntington Bank on XX/XX/XXXX, requesting that they return my funds as XXXX never received the check. 

I was contacted by XXXX XXXX of Huntington Bank and was told that a physical check for {$1000.00} was sent to XXXX XXXX  on XX/XX/XXXX. I told her XXXX has never received the {$1000.00} and that I wanted her to stop payment on the check and return my funds. She said there was nothing her bank can do and that I personally would have to track down the lost check and resolve the problem myself by contacting either XXXX XXXX  or XXXX  to have them locate the check using the trace id ( XXXX XXXX ). 

I believe Huntington Bank made a mistake and should have sent the {$1000.00} directly to XXXX  as it was the payee on the original check. I also believe it is XXXX responsibility to track down the check and make sure XXXX receives the {$1000.00} or return my funds. I do not believe a bank can not stop payment on a check they wrote if they know the check was lost and never received by XXXX. 

Right now, I am out {$1000.00} and have spent hours talking to customer service representatives who do not seem to be able to resolve this issue. I am formally requesting that your agency contact Huntington Bank and have them return my funds to my checking account..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have spent too much time trying to get an answer from the credit bureaus for the letters I have sent and they have not answered me. I need to remove everything negative from my credit

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 2022-07-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have spent too much time trying to get an answer from the credit bureaus for the letters I have sent and they have not answered me. I need to remove everything negative from my credit

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