vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive contacted experian multiple times and I continue to try and dispute the accounts theyre incorrectly reporting and all they say is that I cant dispute them anymore Ive already disputed it or that it meets FCRA requirements which is not good enough. Ive let them know that just because something meets the requirements doesnt make the information correct. They will not send me a copy of my credit report to show in detail why it is my credit score wont rise it just continues to lower without any explanation what so ever. They will not contact me back or provide further information and theyre continuously damaging my credit score which in turn is hurting me as a consumer. Ive already contacted the companies that are reporting on my credit report who agreed to remove my late payments because the accounts were paid in full but experian says that they are reporting correctly and they arent. I also I have a potentially negative item on my report that has failed to provide in detail why I owe them and will not provide any other information but experian has said that they are reporting correctly. They refuse to look further into anything or report correctly.

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 2022-10-24 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: FL

Complaint narrative:
Thank you for forwarding the company response letter re : XXXX. I receive you copy on Wednesday. I called the number indicated on the letter and spoke with another phone rep, paid the balance in full, even though I have been reporting this as a fraudulent billing since XX/XX/XXXX. The letter stated because I didn't comply with their rules and speak to the second phone representative they never opened an investigation in the three ( 3 ) unauthorized billings. They noted in their letter I had called previously and spoke to one rep but did not stay on the phone to speak with the second fraud expert. I had waited approximately 20 minutes and no one answered the phone. Now I am being threatened with continuous late fee of {$39.00} and negative credit reports This Thursday when I paid the bill I was again put on hold for the other service rep, again no one answered the phone. The first representative was very nice and interrupted the elevator music on numerous times, apologized for the delay, said she was trying to contact the other representative, but after waiting 30 minutes I again hung up. My phone indicated I was on the phone call for 40 minutes. No body answers the phone to initiate a fraud investigation! On XX/XX/XXXX, I received an email, the payment was received by 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 2022-10-24 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: AZ

Complaint narrative:
I used Wakefield & Associates ' online contact form to request my account number so that I could pay my debt, but I have not received any communication from the company since. Look, I fully understand that I could call the number listed on the website, but we live in the 21st century. Written electronic communication should be available for everyone, and although I am not hearing-impaired, there are many individuals who rely on written communication and could not reasonably be expected to only communicate over the phone. 

I am sure that Wakefield & Associates has at some point mailed me a letter containing my account information, but due to a break-in I had to quickly move and change my address. Again, we live in the modern internet era ; everyone should want to communicate over email, as everything is recorded, timestamped, and signed. If there is some sort of data security issue involving sending this information over email, I would expect at least a " We're sorry, we can't email you this information '' autoreply. 

I used the online contact form located at https : XXXX on approximately XX/XX/2022 regarding an account balance of {$310.00}. 

I just want to know my account number so that I may make an online payment. This is ignoring the incredibly confusing payment portal on your website, which contains three separate buttons for different payment portals. Is this complexity truly necessary?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX needs to be removed the case was dismissed. Further I asked the credit bureau their process of verification since the US courts do not report to credit bureaus they did not respond. This has been an ongoing problem with Transunion and they continue to unwilling removed the errounous information. This banruptcy is not in non of my other credit reports this is hindiring my credit scores and lifetime

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 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/2022 I deposited a check in the amount of {$22000.00} dollars to Regions Bank. I was sent 2 emails that same date stating '' we are delaying the availability of {$5300.00} from this deposit. This hold will expire on XX/XX/2022, making the funds available to you the next business day. ". I received a second email that day stating " We are delaying the availability of {$16000.00} from this deposit. This hold will expire on XX/XX/2022, making the funds available to you the next business day. 
The funds of {$5300.00}. was not made available to me on XX/XX/2022. I went to the bank and spoke with one of the financial advisors and she said all funds were being held until after XX/XX/2022. I explained that is not what the email said and I did not receive another email stating ALL funds were to be held. She read the emails and could not comment on why the funds were not available to me as stated in the first email. She said she would speak with the branch manager and MAYBE someone would contact me. NO ONE CONTACTED ME AND THE {$5300.00} dollars are still not available to me

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 2022-10-24 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: PA

Complaint narrative:
I have had no other option but to dispute the account below as their are many violations and would like it reviewed and deleted... 


Account : : : : XXXX XXXX XXXX XXXX  Amount : : : : {$7400.00} As per law 15 USC 1681 e they never furnish me a 1099 C FORM! as they were suppose to! I was suppose to file for ordinary income an they have violated my rights. 

Also as per my rights I should be aloud to see my full account number on my file an its not reporting properly. As per its not reporting my first date and when the collection was picked up. Its showing no activity whats so ever except its a charge off an a amount. I am not even able to reach out because no numbers are provided! 

Also they had a tax break as its a charge off so my file shouldn't be furnishing a amount to a debt that no longer is due to it being paid. I would like this to be deleted as soon as possible 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 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I never received the {$500.00} bonus for opening up a Business Advantage Fundamentals checking account with Bank of America. At the time of applying for the checking account Bank of America offered a {$500.00} sign up bonus for new customers who met the requirements. Customers were able to apply for the account online at " https : XXXX '' for any new customers. 

**Note ; Bank of America XXXX changed the terms of the bonus some time during XXXX, XXXX from " new customers '' to " specific customers who received targeted invitations '' 1 ). Bonus requirements from Bank of America per their web link at the time of signup ( XX/XX/XXXX ) " https : XXXX '' - Must be new Bank of American business checking customer - Within 30 days of opening up an account, fund the checking account with {$20000.00} minimum funds from non Bank of America source -Maintain a minimum average balance of {$20000.00} from days 31 to 90 calendars of account opening - {$500.00} cash bonus paid to the account within 60 days of meeting requirements. 

2 ). Here are the applicable dates and accompayning info for my account ; XXXX ; Applied for account using the link https : XXXX, which automatically applied the promo code " XXXX '' during the signup process for {$500.00} bonus for new customers who meet the terms of the bonus. 

XXXX ; Received an email from Bank of America of account approval. Deposited {$25.00} check XXXX ; Deposited {$100.00} check XXXX ; ACH transfer deposit {$10.00} XXXX ; Deposited {$20000.00} check XXXX ; ACH transfer deposit {$20000.00} XXXX thru XX/XX/XXXX ; Balance is over {$20000.00} ( 30 days after opening acct ) XXXX ; ACH transfer withdraw {$19000.00} ( 31 to 90 days after opening acct ) Min avg balance during this period is above min {$20000.00} avg to meet the bonus requirements XXXX ; ACH transfer withdraw {$15000.00} I've contacted Bank of America representatives several times , but without much success in rectifying this issue . Most aren't aware of the bonus or keep transferring me to different departments with long hold only for the call to be dropped again.

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 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: PA

Complaint narrative:
cashapp support and XXXX bank replied on to determine the outcome of the dispute claim in the case number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-10-24 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-10-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is reporting inaccurate information in my public records. Pertain to a XXXX  XXXX Bankruptcy that was filed on XXXX XXXX that was dismissed voluntary by me they are reporting this case # XXXX as a XXXX bankruptcy and it was in fact dismissed but they are not verifying the information. So they have it reporting as XXXX. 


Which I did file in XXXX XXXX but I then withdrew it. So the courts reported it as a dismissed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. I do not understand why they are abusing consumers .This 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-10-24 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was incarcerated on XX/XX/XXXX XXXX, and after that date until XXXX XXXX an unknown federal marshal got hold of my credit and debit cards while I was in federal prison and illegally used them. I found out ID Theft was done to me when fully released from federal prison on XX/XX/XXXX. I was called by debt collectors of my credit card accounts that had been used when in prison and started police case on XX/XX/XXXX. I started disputes with XXXX XXXX XXXX debt agency and XXXX cases were closed. However, on my credit report some accounts make me look delinquent because unknown XXXX XXXX had used my credit cards after I had gotten arrested making it look like if I had authorized him/her to do so. I contacted a consumer 's affair attorney who gave me your link to start a complaint while waiting for my police report.

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 2022-10-24 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: TX

Complaint narrative:
These agencies are reporting fraudulent information because they obtained these by, or involving deception, especially criminal deception. Also the data they are reporting is not accurate, outdated and untrue. Please remove these immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK
State: TX

Complaint narrative:
This is regarding : https : //myaccount.mechanicsbank.com/paymentcenter There is a yellow bar that has the previous payment schedule at the top of the screen. This should be removed and placed in a different location. I thought I had already made my auto loan payment because I clicked confirm and continue and saw the confirmation on top, however, I did not press submit because I thought the confirmation at the top was for the current payment. It's really confusing and made me miss a payment and messed up my checking account and relationship with my husband. Please fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
Hello. I had BinanceUS account for transferring using and trading money since XXXX. Suddenly on XX/XX/XXXX after I received {$16000.00} in XXXX XXXX deactivated my account without any reason. In that time I already had {$3000.00} in my account plus I have received XXXX equal to {$16000.00}. I have tried contacting with them. Created tickets waited for their response after 6months waiting, they send me email ( Upon completing a review of your Binance.US account, we regret to inform you that we will no longer allow you to use the Binance.US platform. Unfortunately, we can not elaborate further. ) They didn't say why account was deactivated at the first place? Why account closed? AND NOTHING ABOUT RETURNING MY ASSETS MY MONEY BACK. All I want is my money back from them. Please help me out to solve this issue. I would highly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: GA

Complaint narrative:
To whom it may concern. 

My name is XXXX XXXX XXXX. I was checking my credit score and I noticed 2 hard inquiries that I did not make. They were booth on the same day XX/XX/2022. One was reported by XXXX and one by Experian. 

The XXXX one was showing the inquiry done by " XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ''. I tried to contact this agency on the phone number I found online ( XXXX ) XXXX which no one answered. I research that institution online and it says that agency is closed. 

Experian was showing that inquiry done by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found their phone number and contacted them on ( XXXX ) XXXX ''. They confirmed they received the request but were investigating because they could not confirm it was really myself, they told me I was victim of fraud. They said they would stop the process right away and send a letter to Experian and to myself. 

I contacted XXXX and they directed me to file a complaint with CFPB for fraud and send them the document. 

Someone used my information with XXXX and XXXX XXXX XXXX. I was victim of fraud. I am contacting Experian, XXXX, XXXX, XXXX and XXXX XXXX to put a fraud alert. 

Thank you.

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 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
On XXXX XX/XX/2022, I was contact by United Collection Bureau , inc . They left a message indicating they were a debt collection agency attempting to collect a debt. I am not aware of any debts so i called them back. I provided my name and phone number to somebody named " XXXX, '' and asked what this was about. XXXX then began asking me for personally identifiable information ( date of birth, Social Security Numbers, Address, etc ). I refused to disclose any of this information. I explained that I do not know who they are or why they are calling and will not provide sensitive information to somebody I do not know. They thanked me and wished me a nice day. I then called back and requested to speak with a supervisor. The supervise, " XXXX  '' asked for the same info. I again refused and asked what the call was about. He refused to provide any information. I find this incredibly suspicious.

Company response to consumer: Closed with explanation