vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For the last 36 months I have had a blank credit file it does not show my name or my account closed or otherwise and it automatically says they can not give me a score ( obviously since it doesnt show I exist. I have written them called several times spoken with supervisors as recent as today and still no resolution Both XXXX and Transunion however does not give me access to any online account info at all nor do they respond to my calls or allow me to input my personal info to get a live person or respond to my letters

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 2022-08-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  # XXXX has violated my rights. IS 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

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 2022-08-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. IS 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
After bringing my a/c  balance to XXXX on XX/XX/XXXX, I called Truist on XX/XX/XXXX & asked them to close my a/c. They said it would be closed in 3 - 5 days. I am now finding out on XX/XX/XXXX, they never closed my account when I had asked, and as a result, they must have charged me some kind of {$0.00} balance monthly fee over the last few months - because today I received a collection letter indicating I owe them {$44.00}, including a " {$30.00} charge-off account fee ''. This is utter nonsense and a complete scam!! 

Apparently, they did close the account, but not until XXXX, XXXX, after charging me fees. Since the account is now closed, they've shut of the online access so I can't get online to see the activity, print statements, or see detail of the fees they charged. I was never mailed any statements. 

I called customer service at XXXX & the woman I spoke to said she wasn't able to see my account activity & gave me a different # to call ( XXXX ). In fact, I have now tried 3 different # 's ( including XXXX ) multiple times over the past several days, and every single time, after waiting for a period, they play a message : " all agents are busy, leave a message, and we will call you back within 24 hours ''. I have left 4 messages and no one has called back yet. 

I had a {$0.00} balance, made no attempts to withdraw money after bringing the balance to {$0.00}, and requested the account closed within 1 week after the balance was at {$0.00}. 

THE ACCOUNT SHOULD HAVE BEEN CLOSED WHEN I ORIGINALLY REQUESTED IN XXXX, XXXX, AND I SHOULD NOT HAVE BEEN CHARGED ANY FEES. THIS SITUATION IS EITHER A DELIBERATE ATTEMPT BY THEM TO SCAM ME OUT OF MONEY FOR XXXX SERVICE, OR IS A RESULT OF THEIR TOTAL INCOMPETENCE. EITHER WAY, IT IS WRONG. 

I want the {$44.00} in fees they've charged to be credited back to my account to bring it back to a {$0.00} balance, and they need to cease & desist all collection action immediately. 

Their letter also threatens to " report information about my account to specialty check reporting agencies ''. If they ruin my perfect credit and banking history due to their incompetence and scum-bag business tactics, they will be getting sued for the damages caused. 

In summary : Truist is incompetent and didn't close my account when requested, improperly charged me fees for nothing, sent me a threatening collection notice, possibly has filed an adverse report with " specialty check reporting agencies '' causing me damage, has not answered the phone # 's they've provided for customer assistance, and has wasted a bunch of my time. 

I'm sure I'm not the only one dealing with their incompetence or deliberate attempts to charge people fees for nothing. THEY DESERVE A CLASS ACTION LAWSUIT.

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 2022-08-22 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: CA

Complaint narrative:
There was an unauthorized transaction of {$2300.00} from my bank account, on XX/XX/XXXX. It was fraud, even in the case that word scam, is used, it was fraud. I was coerced and told to urgently pay to secure a deposit for an apartment that I have come to find out is not for rent and to a person and a place that were not real, and as a result I never received anything. The funds were sent to a XXXX  XXXX XXXX Bank Account, to XXXX XXXX XXXX. The account number give to me is XXXX and the routing number given is XXXX. I am not sure if those are real accounts, but that is where I was told the funds would be going to. The funds were coerced by XXXX XXXX, as a form of deposit. This is not a recurring payment, and this was a fraudulent. As of XX/XX/XXXX and XXXX, Wells Fargo has said that it looks like there is nothing they can do, and that all was done correctly. They have reached out to XXXX  XXXX XXXX and have yet to hear anything yet. This is my money, just taken and given as a fraudulent transaction, and it is absolutely necessary to be refunded. I am backed by Regulation E and the law fully in this. No part of this was authorized.

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 2022-08-22 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: CA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX INQUIRIES : XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 Collectins XXXX XXXX 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 XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Collections : 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 non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: PA

Complaint narrative:
Enhanced Recovery Company filed this on my credit report without sending me a letter or leaving any messages on my machine stating that they were going to do so. The debt of {$490.00} was already charged off by XXXX to my XXXX XXXX Credit Card on Wednesday XX/XX/2022. So I have no idea why Enhanced still put a collection on my record. I demand it be taken down now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America was contacted on/about XX/XX/XXXX regarding an international transfer in the amount of {$6900.00} that should not have been processed ( due to potential fraud ). This was processed from XXXX XXXX XXXX XXXXXXXX acct ending in XXXX. The representative advised that the transfer was not completed, and my funds should be returned within 3-5 business days. Once that time elapsed, I called back to the bank on/about XX/XX/XXXX ( XXXX ) with continued extensive hold times and was told since it was international that it could take up to 10 business days for the money to be returned back to my account. As of today, my funds are not returned. I would like the calls reviewed from XX/XX/XXXX and XX/XX/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 2022-08-22 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: CA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SNAP ON 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 NAME : 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 ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries 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 XXXX XXXX XXXXXX/XX/XXXX Collectins 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 Equifax EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX Collections : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
I began the process to remove my monthly MI by contacting my servicer, Mr. Cooper, in XX/XX/XXXX. Mr. Cooper lacked communication throughout the process and often had long periods of absolutely no contact whatsoever. Mr. Cooper customer service agents gave me conflicting information every time I called, though one of the agents finally informed me that I was able to order my own appraisal since their appraiser grossly undervalued my home, which was attested to numerous professionals in the real estate industry. After I received and submitted my own appraisal report on, Mr. Cooper replied on XX/XX/XXXX that they received my appraisal but now my value does not meet XXXX XXXX 's 75 % LTV requirement since my loan seasoned for 2 years on XX/XX/XXXX. At no time did Mr. Cooper say that I had a timeframe to work within, and communication prior to their denial on XX/XX/XXXX they informed me that my value need to come in at $ XXXX. A final call to Mr. Cooper on XX/XX/XXXX resulted in XXXX in the Mr. Cooper escalation department admitting that Mr. Cooper did not provide proper information in an appropriate time frame but they could not do anything without an exception from XXXX XXXX. 

I spoke with XXXX XXXX today, XX/XX/XXXX, and was belittled by a woman who refused to escalate my case and, after arguing with me rather than even attempting to assist me, HUNG UP on me! 

This is not right. Even though I was not aware of the timeframe until after the fact, I still had 5 months to have the MI removal to process. There is no reason why this process should have now taken 6 MONTHS only to end in a denial because my loan hit the 2 year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
ATTENTION TO ALL CREDIT BUREAUS I AM SUBMITTING THIS INFO AS THESE INQUIRES are a result of identity theft I have not done business or opened any form of account with these companies. I recently discovered through my monitoring service these accounts being reported I made efforts to remove the inquires from my file as they do not belong to me. 

INQUIRES REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
ATTENTION TO ALL CREDIT BUREAUS I AM SUBMITTING THIS INFO AS THESE INQUIRES are a result of identity theft I have not done business or opened any form of account with these companies. I recently discovered through my monitoring service these accounts being reported I made efforts to remove the inquires from my file as they do not belong to me. 

INQUIRES REPORTING : 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 non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
XXXX at Monterey is harassing me with the same debt that was resolved back in XX/XX/2022. She is trying to collect for a debt deemed as fraud by the hospital where occurred. CFPB already closed this case back in XXXX as resolved, however according to this inept agent I need to pay for it again. See XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: C/C Financial
State: TX

Complaint narrative:
Recently I took a look at my XXXX XXXX credit report, and find Im charged for a loan from preferred lease, And I was like what the heck because In XXXX of last year XXXX  I had applied for a personal loan for a laptop at XXXX through their provider, preferred leasing, however I never ended up signing a contract or picked any sort of lease to own plan nor left the store with any product that day, just wanted to see my pricing options so I had decided to buy a laptop on sale at XXXX instead and forgot All about it. look on my credit just a few days ago to find Im charged over XXXX XXXX dollars for something I never purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have been trying to sign up for a high yield checking and savings account with my wife. When I apply for the account, I am declined because my credit is being reported as XXXX  When I clcik the link on the adverse action email provided by the bank, the company has me fill out my information, and submit it. When I submit it, I am directed to a screen that reads " We were unable to honor your request ''. I've been trying for several days, and am still receiving this response. When I contacted the bank 's help line, they told me that the reason that they had were reporting the XXXX credit score is because Experian is also denying them access to my credit information, and that I needed to contact the credit reporting service. 

Despite 5+ hours of calls, Experian 's customer service has hung up on me, and been uable or unwilling to assist me. I finally was able to reach someone who told me that there were no discrepancies with the information that I provided, but that there was nothing more that Experian could do.

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 2022-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OR

Complaint narrative:
XXXX, XXXX, and the XXXX of XXXX numerous hrs and days I have spent calling Flagstar trying to get the information to pay off my forbearance. I had no idea by getting a forbearance there would be a lien placed on my home. I had my banker on the phone also and no one could find the loan, but there is a lien on my home until it's paid. Apparently, this has happened before with my banker who also banked with Flagstar. So, I know this can be handled correctly I would like to know what can Flagstar do to help me fix this problem. Today the 22nd I'm being told I can't pay the forbearance off to take the lien off until the whole principle of the loan is paid. As I type this, the time on my phone for holding is now at 21 minutes.

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 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX credit card account was opened under my name by somebody I don't know without my consent, and there has been {$9000.00} charge on this credit card which I didn't make. This is a fraudulent activity, which I already contacted the card issuer and asked to investigate and close the account ASAP in XX/XX/XXXX. However, the account is still open and due to the interest, the balance increase to {$9400.00}. I contacted the company again on XX/XX/XXXX, asking about the status, and the representative told me that the investigation is still ongoing, and should be completed in the next five business days. This hasn't been done so. 
There were XXXX other credit card opened as fraud ( XXXX, XXXX, XXXX XXXX XXXX XXXX and they already closed the accounts. 
I don't understand why XXXX XXXX XXXX XXXX bank takes so much time to close the account and take the balance away, which impacting my credit score.

Company response to consumer: Closed with monetary relief