vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed a complaint with FCRA regarding wells Fargo and their response was not true or acceptable. They have failed to identify the charges and the slander further more The account is charged off, after the investigation XXXX XXXX was not only refused to own up to bank error and do the right thing. I have enclosed the many error they have made on my credit report. after the investigation he continued to slander my credit report with Late payment on charged off closed account up till the present day. How is a charged off closed account according to the FCRA rules fit into his action. It is illegal and it shows some serious arrogance and demonstrate discrimination and bullying. This Complaint as I am submitting the attached XXXX report where he took it upon himself to break the law again! This behavior shows bullying and have the sense they are above the law! I demand that his behavior faces the right penalty

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 2022-08-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to work with Equifax over several months in getting my payments documented. I reviewing my Credit report there is still months that have not been updated. I have made monthly payments to my mortgages and even made payments ahead and they are still showing no reporting in XXXX, XXXX, XXXX XXXX and XXXX. This is not just on one account but several accounts. I have even sent them letters from my mortgage Company to verify the payments and their reporting. 

I don't understand why they can take up to 60 days to rectify an error but yet that delays the consumer and doing business because our credit scores of incorrect. and the ger a rapid rescore we have to pay for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: TX

Complaint narrative:
I have been trying to work with XXXX over several months in getting my payments documented. I reviewing my Credit report there is still months that have not been updated. I have made monthly payments to my mortgages and even made payments ahead and they are still showing no reporting in XXXX, XXXX, XXXX XXXX and XXXX. This is not just on one account but several accounts. I have even sent them letters from my mortgage Company to verify the payments and their reporting. 

I don't understand why they can take up to 60 days to rectify an error but yet that delays the consumer and doing business because our credit scores of incorrect. and the ger a rapid rescore we have to pay for that.

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 2022-08-24 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a complaint with FCRA regarding XXXX XXXX and their response was not true or acceptable. They have failed to identify the charges and the slander further more The account is charged off, after the investigation XXXX XXXX was not only refused to own up to bank error and do the right thing. I have enclosed the many error they have made on my credit report. after the investigation he continued to slander my credit report with Late payment on charged off closed account up till the present day. How is a charged off closed account according to the FCRA rules fit into his action. It is illegal and it shows some serious arrogance and demonstrate discrimination and bullying. This Complaint as I am submitting the attached XXXX report where he took it upon himself to break the law again! This behavior shows bullying and have the sense they are above the law! I demand that his behavior faces the right penalty

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 2022-08-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a complaint with FCRA regarding XXXX XXXX and their response was not true or acceptable. They have failed to identify the charges and the slander further more The account is charged off, after the investigation XXXX XXXX was not only refused to own up to bank error and do the right thing. I have enclosed the many error they have made on my credit report. after the investigation he continued to slander my credit report with Late payment on charged off closed account up till the present day. How is a charged off closed account according to the FCRA rules fit into his action. It is illegal and it shows some serious arrogance and demonstrate discrimination and bullying. This Complaint as I am submitting the attached equifax report where he took it upon himself to break the law again! This behavior shows bullying and have the sense they are above the law! I demand that his behavior faces the right penalty

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a complaint with FCRA regarding XXXX XXXXXXXX and their response was not true or acceptable. They have failed to identify the charges and the slander further more The account is charged off, after the investigation XXXX XXXX was not only refused to own up to bank error and do the right thing. I have enclosed the many error they have made on my credit report. after the investigation he continued to slander my credit report with Late payment on charged off closed account up till the present day. How is a charged off closed account according to the FCRA rules fit into his action. It is illegal and it shows some serious arrogance and demonstrate discrimination and bullying. This Complaint as I am submitting the attached XXXX report where he took it upon himself to break the law again! This behavior shows bullying and have the sense they are above the law! I demand that his behavior faces the right penalty

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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
Ive recently had a multitude of issues with Atlantic Union Bank regarding lagging deposits and predatory overdraft fees. Last Wednesday, XX/XX/XXXX, at around XXXX XXXX EST, I initiated a money request from another account ( my husbands ) via XXXX provided through the Atlantic Union Banking app. His request was promptly transferred and the money immediately left his other account. At this time, my Atlantic Union Bank account had a positive balance. Atlantic Union Bank showed the transfer pending in my account for two days, meanwhile they approved several small charges. On Friday, XX/XX/XXXX, the money was finally deposited at noon. Then arounXXXX XXXX XXXX that same day, they tacked on an egregious {$38.00} overdraft fee, that subsequently sent my account into a negative balance, despite just making a deposit to keep it afloat. I reached out to banking customer service twice on Thursday, XX/XX/XXXX, to see why the payment had not yet posted, and no reason was provided or known. Then again I contacted customer service on Friday to reverse the overdraft charge that was posted two days after the deposit was made. No reversal has been provided to date. Ive retained screen shots of these transactions and their dates. I believe this bank purposely delays deposits made so that accounts incur overdraft fees in the meantime. This bank collected {$17.00} XXXX dollars in overdraft fees in XXXXXXXX  and its unethical practices just like this that are raking in all that revenue. I am going to seek legal counsel and explore the possibility of a class action lawsuit. I will also be reaching out to XXXX so they are aware of transfer delays specific to Atlantic Union Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am a XXXX XXXXXXXX on XXXX I received payment from buyer on Venmo.Venmo froze my account XXXX in it stating that the had fraudulent transactions after I sent all information from XXXX showing were I sold XXXX  so I am out of my XXXX and out of my payment for the XXXX because Venmo continue to hold this has been Since XXXX Venmo are scamming people over XXXX account are on hold they need to be shut down

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
this account is not mines 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 2022-08-24 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
this account is not mines and is a result of identity theft. my last name does not even match

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 2022-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
I sent an email to the company on XX/XX/XXXX revoking authorization of automatic debit payment from my checking account. They once again drafted another payment of over {$200.00} from my checking account on XX/XX/XXXX. I sent another email on XX/XX/XXXX demanding them to cease automatic debits from my account and to reverse the previous payment. I have not received a response nor have they reversed the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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:
I WAS NOT EVEN IN THE COUNTRY AT THE TIME OF THIS TRANSACTION THERE WAS A PRIVATE STUDENT LOAN PUT IN MY NAME FRAUDULENTLY BY A COMPANY IN LOUISIANA INWHICH I NEVER LIVED THE ACCOUNT NUMBER IS XXXX AND THE AMOUNT IS {$12000.00} THE NAME OF THE ACCOUNT is XXXX XXXX XXXX IT DOES NOT BELONG TO ME AND SHOULD BE REMOVED FROM MY CONSUMER CREDIT PROFILE IMMEDIATELY IT IS IN VIOLATION OF FCRA CODES SECTIONS 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 2022-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX 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 also states a consumer reporting Agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
this account is not mines and is a result of identity theft. my last name does not even match

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 2022-08-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
this account is not mines and is a result of identity theft. my last name does not even match

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 2022-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I Initiated the process to remove PMI in XXXX of XXXX. After an attempt to refinance that resulted in excess fees and not much difference in the payment, I requested to have PMI removed. I sent the signed form and check for appraisal in XX/XX/XXXX. The check was cashed in XXXX. I received an email in XXXX that because the loan was less than 2 years old, improvements needed to be documented. ALL improvements were on the form that was submitted in XX/XX/XXXX. The loan reached 2 years in XXXX- I continued to call and be told it was being worked on. As of XX/XX/XXXX I still had NOT had an appraisal completed, even though the check had been cashed. Finally on XX/XX/XXXX the BPO was completed. To recap just a bit- I purchased this as a second home with 10 % down. I did A LOT to this home and moved permanently in XX/XX/XXXX. The mortgage is about XXXX and I could sell it today for XXXX. I have MORE THAN ENOUGH equity to remove the PMI. This company continues to steal {$140.00} every month. I have tried, and tried, and tried. I need someone to hold them accountable and do their job!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: Capio Partners, LLC
State: GA

Complaint narrative:
On XX/XX/2022 a report was made in the amount {$1400.00}. Due to consumer reporting law 15 US 1681 ( a ) ( 3 ) this action has been deemed unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
back in 2012, I fought with the previous company to have taken off my credit report. 10 years later after several attempts from several other companies on the same debt.

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 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony Bank " reviewed '' my credit report ( not by my request ) as a way to increase or decrease my available credit on my Amazon Store Card. This is the third time in less than two years that they have decreased my available credit. Each time they have relied on credit information that is not correct and have not been willing to correct the issue. I have attached the letter from Amazon showing their reasons for this third decrease, and also attached pages from my credit report ( using the same reporting agency that they used ) showing that their information is FALSE!!!! Amazon continues to discriminate against me by continuing to lower my payments to the amount of credit that is outstanding on my account. This makes it look like I have used my card to the limit ( which is what they say I am doing on other cards and the reason they decreased my limit on my Amazon card ) I am using 22 % of my available credit ( which is over {$15000.00} ). The reasons that Amazon provided on a letter lowering my credit report are not FACTUAL, and Synchrony should remedy this IMMEDIATELY. It is because of Synchrony Bank ( that finances Amazon ) that my credit is being denied as they continually lower the limit on my cards making it look as though I am charging to the limit. They are hurting my credit score.

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 2022-08-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I am writing this to inform you that the funds from escrow were not sent to my account. 
After the loan for XXXX XXXX XXXX XXXX NY was paid off in XXXX after being sold, {$71000.00} was supposed to be given to M & T bank as paid off. 
When I called about it, I was told that the escrow department used the remaining to pay off the loan in XXXX according to XXXX XXXX. 

However I have made the payment on {$1100.00} for the payment in XXXX. 

Keep in mind, I was not asked nor did I give any instructions to apply the remaining Escrow funds to be used or applied to any loan balance. I was expecting the remaining money to be deposited to my checking account after it was paid in full. 

I request information on where the remaining money went to and I request that the remaining money be deposited to my checking account. 
I am sending documents that support what I stated. 

According to the Consumer Financial Protection Bureau ( XXXX Timely escrow payments and treatment of escrow account balances. ), within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. 

This is not the first time that M & T Bank failed to provide accurate balance information. 

If you have any questions, let me know.

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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Since XX/XX/XXXX I tried to withdraw a money from my account thru a check I drop since 2 weeks before. After they told me they need some verification and I did everything but until now they not releasing the money and cant use the account the total amount in my Truist account is XXXX $ I would like to have access to my account or have my cashier check ready to go bank with another company

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 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX  " reviewed '' my credit report ( not by my request ) as a way to increase or decrease my available credit on my XXXX XXXX XXXX. This is the third time in less than two years that they have decreased my available credit. Each time they have relied on credit information that is not correct and have not been willing to correct the issue. I have attached the letter from XXXX showing their reasons for this third decrease, and also attached pages from my credit report ( using the same reporting agency that they used ) showing that their information is FALSE!!!! XXXX continues to discriminate against me by continuing to lower my payments to the amount of credit that is outstanding on my account. This makes it look like I have used my card to the limit ( which is what they say I am doing on other cards and the reason they decreased my limit on my XXXX card ) I am using 22 % of my available credit ( which is over {$15000.00} ). The reasons that XXXX provided on a letter lowering my credit report are not FACTUAL, and XXXX should remedy this IMMEDIATELY. It is because of XXXX XXXX  ( that finances XXXX ) that my credit is being denied as they continually lower the limit on my cards making it look as though I am charging to the limit. They are hurting my credit score.

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