vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I had XXXX in my impact account for a house flood with Truist mortgage. I was able to request the funds from impact to pay off the mortgage however they are stating the insurance company stated they paid me directly for XXXX XXXX that was for months of hotel stays and contents not included in checks sent to Truist my payoff was XXXX and the remainder was mailed with the incorrect amount the only disbursement I received was for the tear out XXXX. There is another missing XXXX XXXX dollars

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to your last response to my complaint, you said " ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED XXXX YEARS FROM THE DATE OF FIRST DELINQUENCY '' XXXX : XXXX, is illegally still reporting on my credit report. this account is outdated! the date of first delinquency was XX/XX/2017. ITS BEEN 7 YEARS! THIS account needs to be Deleted off of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Roadrunner Account Services, LLC
State: MS

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It is Also States a consumer reporting agency can not furnish a account with my written instructions.

15 U.S code ; 1681a - Definitions rules of construction- Exclusions Except as provided in paragraph the term ''consumer report '' does not include any report containing solely as to transactions or experiences between the consumer and the person making the report ; 15 USS 1688B : A Creditor may not treat a payment on Credit card Account under an open end consumer credit plan as later for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In XXXX my identity was stolen and once realized, I filed a police report and identity theft report with the ftc and notified the credit bureaus and companies involved of said fraud. The guilty party is currently being prosecuted in XXXX, Texas. Since notifying XXXX communications of the identity theft, the debt attached to this fraudulent account has been sold over and over again to different creditors, causing a hit to my credit each time it and each time, I am having to contact each company and file disputes, when this should have been taken care of and deleted YEARS ago. I want to file this complaint because the selling of this debt has to be illegal since the account was obtained illegally. Please take the necessary steps to penalize all parties involved in the continued selling of this illegal debt. I should not have to file a complaint to get companies to follow the laws set forth by the laws of this land. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Today XX/XX/2023, I called the bank to report a " billing error '' under the transferc act that allows me to give the instruction to the bank by phone, written or in person, specifically to open a merchan dispute. 
Trough the customer service, the denied me the right to open the claim saying the system cant send me a text message ( when I always receive from the app ) and also couldnt generate the " veryfication questions '' due the " system ''. They have many options, they asked me my bithday, my phone, address. They didnt proceed with the instruction and also told me that they cant give me an address or fax to open the dispute. Just go to the branch, something is not possible because im not XXXX resident and right now im not in the XXXX. 
So im giving trough here the instruction to open the merchant dispute for these transactions made with my debit card Master ending in XXXX : XXXX ) XX/XX/ {$950.00} XXXX XXXX XXXX XXXX ) XX/XX/ {$950.00} XXXX XXXX XXXX XXXX ) XX/XX/ XXXX  {$950.00} XXXX XXXX XXXX XXXX ) XX/XX/ {$950.00} XXXX XXXX XXXX I made those 4 purchases on the store, but they didnt have on stock the smartphones to give it to me at that moment, so they will send it trough XXXX to my home, and must be received on XX/XX/. The order never arrived, and I tried to call them many times to ask about this issue, request the tracking number or have a refund. I cant go to the store in persone because im not on that city any more.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit 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 2023-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Purchased {$7500.00} cashier 's check for a company that claimed they were a prominent bank and these funds they were establishing a secure account for me. I purchased the cashier 's check and deposited it in the other customer 's account in order to fund my account and supposedly protect the funds at the bank in question. This all started with my computer being sieged by a company calling themselves as working for XXXX service area. They said they were on line with the bank on a secure line. When they transferred me to supposedly the bankis when I received instructions regarding the cashier 's check and what account to deposit into. 

Contacted the bank to see why they didn't vet the business customer to ensure that they were in the business that they said they were. Also asked the bank to investigate the type of activity in the business customer 's account as I assumed I was not the only person that had been defrauded in this manner. The bank has contacted me several times and doesn't seem to understand what I am asserting about vetting their business customer.

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 2023-10-10 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: IQOR US INC
State: LA

Complaint narrative:
I filed an XXXX dispute in early XX/XX/XXXX  on a collection that I found on my credit report. I received a letter dated XX/XX/XXXX  from Allied Interstate , LLC a debt collector that reported a {$280.00} XXXX XXXX debt to my credit. The name on the bill and letter is not me and it belongs to someone in another state with a different address. I contacted Allied Interstate after filing my XXXX dispute. I was informed by the agent that I had to wait until the dispute process was over. I explained to the agent that the debt belongs to a different person and I wanted it removed immediately. I received the results from the XXXX dispute dated XX/XX/. The results stated, " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. '' How is this possible when I never had a XXXX XXXX account and the person on the bill is a female. I filed another XXXX dispute on XX/XX/XXXX  and I attached the documents again proving I am not the person they are looking for. I contacted Allied Interstate again on XX/XX/. The rep confirmed that the address and name on the account was inaccurate. Then he stated that he can not discuss anything on the account since the account does not belong to me. I asked them to get this debt off my credit immediately. He stated that I would have to call back the next day because he did not know how to fix the issue. I contacted XXXX right afterwards. The rep told me that I would have to wait on the results on the new dispute. I explained to him that I already filed a dispute and they somewhat " Verified '' this debt belonged to me which was impossible. All he did was repeat the same thing of wait for the results and file again if I felt it was inaccurate. This is poor customer service from both parties. Both sides are reporting inaccurate and fraudulent information my credit that has impacting me for months.

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 2023-10-10 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: MicroBilt / PRBC (formerly CL Verify)
State: CA

Complaint narrative:
An Unauthorized Inquiry was reported to my XXXX Consumer Report on XX/XX/XXXX. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via XXXX XXXX Mail on XX/XX/XXXX. A copy of this letter and confirmation receipt is attached below. 

*XXXX XXXXXXXX Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, 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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: MO

Complaint narrative:
I am sending you this letter to formally dispute this Collection Account that is still being reported on my credit report. I'm currently in the process of trying to relocate and since it is required for me to pay off this XXXX XXXX with original creditor XXXX for them to approve my application. The account is still listed as a collection on my report although I paid it off. I dont want to keep getting denied. 

XXXX XXXX ( Original Creditor : 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 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX Complaint number was NEVER addressed. See description on pre iis page.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: NE

Complaint narrative:
I submitted a complaint again XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, I had a teen checking account with Wells Fargo Bank in XXXX of 2023. I was underage but running my own, successful cottage business ( baking ). I was suddenly involved in a fraud situation ( several Wells Fargo customers had been victims of the same scammer ) where an individual drained/overdrafted my Wells account by about {$3000.00}. My mother was also named on the account since I was underage. After months of deliberation, we settled with the bank a Wells representative offered us the option to share the responsibility so we made good on the money owed ( about {$1500.00} ) and the representative NEVER suggested that this settlement would cause longer-term problems. But Wells and other institutions have flagged me and my mom through Early Warning Services and not one will let either of us open accounts. This is disastrous for a new college kid with a good and responsible track record. I cant get on my feet without having a basic bank account. We have submitted disputes through Early Warning Services and Wells returns to say they will not overturn the flags. EWS then recommended we reach out to FTC and CFPB in this matter. All I want to do is get back on my feet with a bank account. We are not dishonest people. I pay my bills, work hard and have proven myself to be a successful and responsible individual. Some person took advantage of me and my financial health is compromised simply by way of the inability to open a basic bank account. I am desperately hoping to find 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 monetary relief
Consumer complaint received 2023-10-10 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Late in the day on XXXX  I received a text from BMO bank my debit card was being used and was it me. I replied no. Then the bank suspended my debit card and was given a phone number and fraud case number. The bank had 6 {$300.00} transactions to XXXX pending on my account. I called first thing XX/XX/XXXX told the bank it was not me and was told it takes 10 business days to validate my claim. Today XX/XX/ I called to get status and was told my first call never existed. XXXX at BMO said no case was ever started and my claim wasn't there. After 60 mins on the phone with her she said she can no longer hear me and if I had any other questions to just call back. After that 60 minutes on the phone I did call back because I still needed to know when will I receive my money back. Next call I spoke with XXXX and after one hour and 12 mins was told it takes up to 90 days to get my money back. I can't believe it takes up to 90 days to receive my money. I have never heard such a thing and I can't wait 90 days to pay bills. They have XXXX of mine.

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 2023-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: NC

Complaint narrative:
I received a text from someone with a Crypto currency opportunity. It started with XXXX, we kept making money where the balance go up to XXXX. When i tried to withdraw, i was told I had pay a fee to make sure that this was not money laundering. we did. Then, i was told that i needed to pay XXXX in tax before I could withdrawal which i know that is incorrect. Tax is taken out of the proceeds. Once i disputed that, they froze my account and said that they would fine 5 % a day until the tax issue was resolved. Then, proceeded to tell me that if i didnt pay, i would forfeit all my money and it would be donated to the XXXX XXXX XXXX to be used for medical and vaccine reseach... .. which they also can not do. 

I have filed with the FTC report number XXXX and with the Federal Bureau of Investigation 's My total investment is approximately, XXXX. Right now, i would settle to just get that back and they can keep the profit... if offered that and was told no. 

Can you please help me? 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I wanted to remove the joint cardholder off my account but was unable to

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 2023-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I responded to an ad on XXXX for an apartment. The poster responded and we communicated via email and text. The poster provided a video of the unit and a utility bill with his name on it. I sent XXXX payments via XXXX XXXX through the Chase Bank app ) that totaled {$2300.00} ( {$1000.00} security deposit and {$1300.00} for first month rent ). We agreed to meet at the property on XX/XX/XXXX so that I could get the keys. However, he never showed up and stopped responding to my texts. I knocked on the door of XXXXne of the building tenants and that person called the owner of the building. The owner confirmed that there were no units available for rent and that I had more than likely been scammed. She mentioned that something similar to this happened about a year ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I notice some unauthorized hard inquiries on my credit report i would like removed i did not give my permission for credit to be ran According to the FCRA, these unverified and unauthorized items must be removed

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 2023-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Until now, I received NO resolution from Transunion, XXXX and XXXX despite my numerous efforts of sending them multiple letters in a mail. I have already spent so much time and money with these incorrect items that these agencies has been furnishing on my credit report. All I want for to have these accounts be totally remove from my credit report. 

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 2023-10-10 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: PA

Complaint narrative:
Until now, I received NO resolution from XXXX, Equifax and XXXX despite my numerous efforts of sending them multiple letters in a mail. I have already spent so much time and money with these incorrect items that these agencies has been furnishing on my credit report. All I want for to have these accounts be totally remove from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX informed me that this credit card was opened using an address that's not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They are currently investigating how this happened. Experian has verified the XXXX but this credit card is fraudulent and it was opened using a fraudulent address. I want Experian to submit a fraud dispute with XXXX and mention that the XXXX XXXX XXXX is indeed not mine and it's also fraudulent.

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