vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
A cashiers check was issued by XXXX XXXX XXXX  for {$440000.00} on XXXX and deposited into XXXX XXXX XXXX  Truist Bank account number XXXX. No hold was placed on the account at that time. Bills were paid, payroll processed, wires sent to pay for materials. 

On XXXX I received an email indicating a hold was placed on the account to which I called Truist. They put the account on a 7 day hold. I waited until XXXX for the 7 day review. The hold was released and I was able to use the account for 24 hours before another hold was placed on our account. I called Truist and they said that the account was under review and no other information was available. I was in XXXX at the time for work and a local Truist branch was not available but I called back to XXXX XXXX, Branch Leader, in the XXXX branch ( where the cashiers check was deposited ) who indicated there was nothing she could do as it was XXXX  XXXX XXXX who put the hold on the account. 

I traveled to a XXXX  XXXX XXXX Branch in XXXX and spoke with XXXX XXXX. XXXX. He gave me a copy of the cashiers check that was processed and paid to Truist on the XXXX. 
He called Truist and spoke with the back end services personnel indicating the funds are definitely transferred. The back end said they would make a note in the system and then call back the next day as it was past XXXX East Coast time. I never received a call back. 

On XXXX XXXX I traveled to Truist Bank at XXXX XXXX XXXX XXXX XXXX, PA XXXX and spoke with Branch Leader XXXX XXXX. She contacted an ops manager as well as the Truist Back end services contact who stated the account is under review and XXXX will receive a letter in the mail. She gave me a number of XXXX to call to speak with the Fraud Line. I have called 4 times in the last two days trying to find out what is going on and no one has any answers. 

To date we have incurred {$10000.00} a day fines for non performance since last Wednesday. Payroll is suspended and is effecting all the employees including myself. Electric Bill, Cable Bill, Insurance, State Department renewals/licensing are all returned and we are subject to fees.

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 2023-08-28 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: Nelnet, Inc.
State: MI

Complaint narrative:
I contacted Firstmark by e-mail on XXXX XX/XX/2023 regarding outsanding balance and payment history they were reporting for my privae student loan. I explained they'd been reporting incohate payment history, ie payment history for a future month, and a balance history that was ten ( 10 ) times what it should be. The representative, XXXX XXXX respnded via e-mail on XXXX XX/XX/2023 and acknowledged the incorrect payment history. She and performed an off-cycle update for the account on XXXX XX/XX/2023. XXXX received the update for the FM/Firstmark Serviced Trust account/tradeline on XXXX XX/XX/2023. XXXX notified me of the off-cucle update on XXXX XX/XX/2023. According to the data transmitted, the account is now allegedly ninety ( 90 ) days past-due from the off-cycle update on XXXX XX/XX/2023. Although Firstmark has consistently mailed my statements to addresses that I do not live at, and that change form every two months ( see CFPB complaint XXXX ), Firstmark 's own system alleges payments on the account have been made through XXXX XX/XX/2023. The due-date established under CFPB interpretation of TILA/Regulation Z appears to be the XXXX ( XXXX ) day of each month. In examining the statement generated on or around XXXX XX/XX/2023, the alleged statement due date is XXXX XX/XX/2023. Thus, the payment history furnished is false/misleading/inaccurate because it implies a delinquency history that would not have occured by the due date of the statement. This seems to occur each time I file a dispute with the CRAs regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I did not consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. 
Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The collection agency, Portfolio Recovery Associates, has engaged in false and misleading practices violating FDCPA 807, and provided misleading forms violating FDCPA 812. 

Portfolio Recovery Associates are reporting 3 Accounts which have violated the FDCPA Account Number XXXX XXXX  XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
Square is withholding my money for 3 months with no reason at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX I never applied for any accounts with these company 's I believe these accounts was open due to fraud and it is causing Hard Inquiries on my credit report which is hindering me from applying for anything that can help me with me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
On XX/XX/2019 I was working as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,,,, I was XXXX XXXX XXXX XXXX XXXX XXXX and seen in the XXXX  the same day while still on the clock ... .. About a year ago I saw there was a collection on my credit report. It is from XXXX XXXX, for XXXX XXXX  I contacted this company, they stated it was from this incident I was seen in the XXXX I contacted my former employer at the XXXX XXXX XXXX, and the record was found, and PAID IN FULL!!! I was also made aware by the billing dept at the hospital that they do not even use this company. I believe this is a fraud and some third party selling info to trick people ... .Please Help!!! my next step is to hire a lawyer... And I did dispute this immediately and was found to be legit????? I requested my Medical records and billing from this day, and Iam awaiting there arrival so I can send a copy to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I sent a wire of {$30000.00} on XXXX the account that the money was wired to supposedly full and could not receive any more funds so the account holder at XXXX XXXX XXXX  told me to contact my bank and do a wire transfer. I did so. My bank Capital One tells me that I need to contact the recipient and have them release the funds. The account holder at XXXX XXXX XXXX  already told me the released the funds, so no idea what is causing the delay of me receiving my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID

Complaint narrative:
My mortgage is with Pennymac. Recently my monthly payment was increased due to increase in insurance. Pennymac is also sending me a check for an escrow balance beyond what I owed. Pennymac will not apply any surplus to my account. I have had no issue doing this with past mortgage companies. By not allowing this extra balance to pay ahead by the time my 30 year loan is finished I will be paying over {$1000.00} extra which delays my loan payoff by 2 additional months. This practice is deceptive and a way to squeeze additional interest out of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me 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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of 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 non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of 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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
THE FINANCIAL INSTITUTION GAVE ACCES TO MY MONEY A THIRD PARTY WITH OUT MY CONSENT ANF ACCES TO MY HUSBANDS TAX REFUND CHECK AND THEY ARE REFUSING TO GIVE ACCES TO MY MONEY, THEY REFUSE TO LET ME TALK TO SOMEONE IGHER THAN A GUY NAME XXXX WHO IS VERY RUDE AND AND WHEN I ASKED TO TALK TO SOMEONE HIGHER HE REFUSED TO ALLOW ME TO DO SO. IAM BEGINNIG TO FEEL THAT I AM BEING DISCRIMINATED AGAINST THE FACT THAT I AM A FEMALE XXXX WOMAN

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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: KY

Complaint narrative:
XX/XX/XXXX US Bank forced deposited my sons auxiliary benefits into my frozen account going through closure 2 days after the settlement date. Then continued to withhold those funds for 29 days. Violating 31 cfr part 210 and nacha regulations. The funds were suppose to be returned under return code R16 Account frozen. I called on the settlement date of XX/XX/XXXX and was told they would be rejected and processed Friday morning ( XX/XX/XXXX ) but were force deposited into my account. 

US Bank continued to withhold the funds in my account which are entirely my sons auxiliary benefits in the amount of {$780.00}. I was not notified why my funds were being withheld other then my account is going through closure. Us bank would not allow me to withdraw the funds by any means or close the account myself over the phone or via branch. I was told I would receive a check in the mail with the funds when the account closed. 

XX/XX/XXXX I get a text message from US Bank stating there was a withdrawal in the amount of {$780.00} from my account. I contacted us bank to see if they had sent out the check and if I could get a tracking number. I was then informed they withdrew my sons auxiliary benefits and sent them to XXXX collection agency to offset on my closed account ending in XXXX that was closed, charged off and now with a collection agency in XX/XX/2023. US bank was well aware that these were my sons benefits. I do not understand how my son can be forced to pay a debt he doesnt owe or has anything to do with my son. I also do not understand how his benefits can be withdrawn from my account and then sent to a 3rd party? US bank refuses to refund my sons benefits to me or even to send them back to SSA. 

XX/XX/XXXX I received a letter from XXXX collection agency thanking me for my payment in the amount of {$780.00} and I still have a balance of {$62.00}. This money was forced into my account when I was told it would be sent back, then withheld from me for 29 days and now basically stolen right out from under me to pay a debt that isnt my sons debt. 

This whole situation has been extremely stressful and frustrating. I have a $ XXXX  monthly income to pay bills and provide for my children and US bank has held onto {$800.00} of that for over a month now causing my electric and water to be shut off and I wasnt able to get my son school supplies he needed or pay his XXXX XXXX insurance for his XXXX that now has lapsed. I need this money back ASAP either returned to me or to SSA.

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 2023-08-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
This debt collector has repeatedly sent me emails and updated my credit report to show a balance that I am unaware of! My final rent payment was paid in full via state agency rental assistance. I have proof! Also this debt collector is not authorized to collect debt in the state of Ohio. They are stating I owe {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have sent certified letter in XXXX and one in XXXX advising unauthorized and/or fraudulent inquiries. They refuse to respond or remove these inquiries that are creating negative results from there being so many.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
XX/XX/23 - Letter dated XX/XX/23 received from Flagstar Bank that property was recently mapped into a Special Flood Hazard Area by FEMA. 
XX/XX/23 - Letter dated XX/XX/23 received from Flagstar Bank that I must provide proof of flood insurance within 45 days after the date of the letter. Letter also states that I do not have to establish an escrow account for the flood policy, as I pay my real estate taxes and homeowner 's insurance on my own and not through an escrow account. 
XX/XX/23 - I purchase a policy through XXXX XXXX XXXX XXXX for the maximum allowable limit of {$250000.00}. 
XX/XX/23 - I upload XXXX policy through Flagstar Bank portal. 
XX/XX/23 - Flagstar Bank purchases additional XXXX policy for my property. 
XX/XX/23 - Letter dated XX/XX/23 from Flagstar Bank stating that the flood insurance coverage they ordered on my behalf has been cancelled. 
XX/XX/23 - I contact Flagstar Bank to inquire why they have purchased an additional policy for my property. I am informed that, contrary to their letter dated XX/XX/23, I can not purchase a flood policy on my own and must establish an escrow account and the flood policy must be purchased by them. 
XX/XX/23 - Policy documents for Lender Placed Flood Insurance through XXXX XXXX XXXX XXXX received from Flagstar Bank. The policy was purchased by Flagstar on XX/XX/23 and back-dated to XX/XX/23. At this time I was notified by Flagstar Bank that I did not have 45 days to provide proof of flood insurance coverage, contrary to the information contained in their letter dated XX/XX/23. 
XX/XX/23 - Flagstar escrow account charge {$520.00}, the pro rata amount for coverage from XX/XX/23 to XX/XX/23. The annual cost for this private, lender placed policy is {$3600.00} which represents a premium which is 493 % of the cost of the same coverage policy through the 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 2023-08-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent in the necessary documents to Equifax credit reporting agency, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department has not been answering my phone-calls, i get transferred over to them and its no answer, they are completely avoiding me. I have sent in this i.d theft packet of documents that i was asked to send by them. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need Equifax 's fraud department under surveillance now as they seem to willingly violate my consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation, immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I made a purchase from the company ( XXXX ) on XX/XX/2023. The clothing was mistakenly dropped of by the shipping carrier USPS to a different address. So I never received the product purchased. I called XXXX customer service to report the issue. I was sent an affidavit along with dispute forms. I filled out these forms and mailed them twice once on XXXX XXXX and again XX/XX/2023. According to customer service they did not receive the forms. I called numerous times and have emails from XXXX service reps working with me to resolve the matter. On XX/XX/2023 I made a payment to Comenity Bank for a XXXX from my bank to XXXX. According to XXXX the matter was closed due to lack of information even though I sent them all information twice that included a letter from the USPS manager stating the package was delivered to a wrong address which they were unable to reclaim as well as my payment that posted from my account to Comenity Bank. I called multiple multiple times to rectify this issue which was affecting my credit score due to showing that the account was now 60 to 90 days late. I have emailed correspondence as well as copies of everything I sent but yet they were not able to do anything with it according to them so the matter was closed and I ended up paying again to XXXX XXXX. Which they have not cleared my account or the late standing to the credit bureaus.

Company response to consumer: Closed with monetary relief