vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/2022 XXXX I drove up to atm deposited {$600.00} into atm machine took money shut down and didnt credit credit or kick money back out. I reported incident immediately to branch and to claims they provide a temporary credit and then took it back saying atm isnt over I asked for video knowing I did this deposit they wont provide all they did was send a still Picture of me in drive through with the money in my hand and still say thats not enough proof Ive been begging and disputing for 3 month bottom Line is XXXX stole my money and wont provide video to show I was actually there I have gotten a XXXX police report against the bank it happened at XXXX XXXX XXXX XXXX XXXXXXXX XXXX They wont give me any video of me in atm and keep denying my Claim they are thieves beware! That atm always has problems and they are aware!

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 2022-07-28 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: MI

Complaint narrative:
I told the credit bureaus to investigate every piece of information on the accounts I have listed on the complaint. According to the FRCA the term " investigate consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXXXXXX XXXX XXXX  Account Number:XXXX XXXXXXXX XXXX XXXX  Account XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXt XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received an email on Thursday, XX/XX/XXXX that a checking and savings account was opened with truist bank and my email address was the receiving the confirmation emails that the accounts were created. I contacted the banks customer service and immediately filed a fraud report with them and they provided instructions on what to do in case personal information such as SSN were also breached. Afterwards I called the experian hotline to place a 1 year alert/freeze on my SSN in case that information was breached or other accounts could be opened. I have not received any emails or other contact from Truist since then

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 2022-07-28 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: Mortgage Research Center, LLC
State: TX

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX ran and pulled a hard credit when i only asked about their services as i told them not too because i already knew my credit score was poor and they ran may credit as a hard inquiry. Never received no paperwork of why they ran 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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, I AM Consumer, and a natural person who am aware of all rights that I have, and which are protected by XXXX and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 SECTION 602 A. IT also States I have the right to privacy. 15 U.S.C 1681 Section 604A, also states a consumer reporting agency can not furnish an account without my written instructions. Also 15 U.S. Code 1692c 15 U.S. Code 1692g - Validation of debts Also, according to 15 U.S.C. 6802, NO FINANCIAL INSTITUTION is supposed to share my information with a THIRD PARTY. This is a clear violation of my federal consumer-protected rights. 15 U.S.C 1666B : This is a clear violation of my federally consumer-protected rights. 
1. XXXX XXXX XXXX  Original creditor : XXXX Account number XXXX. ( Date XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 3. XXXX XXXX Account number XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( Account number XXXX ( XX/XX/XXXX ) XXXX ( Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) XXXX  ( Inquiry date XX/XX/XXXX ) XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX, Inquiry date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX, Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX, Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, INQUIRY DATE XX/XX/XXXX ) XXXX XXXX, INQUIRY DATE XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX, INQUIRY DATE XX/XX/XXXX ) XXXX  INQUIRY XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I agreed to purchase a XXXXXXXX XXXX XXXX XXXX  from XXXX XXXX of XXXX, CA for {$670.00} after speaking with him and text exchange. On XX/XX/XXXX at XXXX est. I send a XXXX Payment of {$670.00} from my Citibank account ( XXXX XXXX PAY ID : XXXX ORG ID : XXXX ) to phone # XXXX which was registered to XXXX XXXX. The agreement was that the item would be shipped that day on XX/XX/29. After the payment was sent seller ( XXXX XXXX ) stopped responding to texts and calls and subsequently block calls. Additionally, the same item ( XXXX XXXX XXXX ) with teh same pictures was reposted on multiple websites by XXXX XXXX for sale with the same phone number to contact. Once he clocked my number he used the following numbers as well : XXXX and XXXX. I never received any item and still see him posting the same item. I paid him the {$670.00} and did not receive anything.

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 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I have attempted several times with different checks of varying amounts. I attempt to cash them, and they won't becaue I have a low balance. I deposit the checks, and have been assured a few times that the funds would be available the following morning. They always end up putting a week and a half hold on my check deposits. When I have called them they tell that it's due to my low balance or account history or that they don't trust the bank it came from, and tell me there's nothing they can do about it. It seems like targeted punitive measures on low income people.

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 2022-07-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-28 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
RE : Loan # XXXX - Paid in Full on XX/XX/XXXX I sold the home at XXXX XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/XXXX and wired funds in full to Carrington Mortgage and paid off the loan in full. XXXX  credit reporting company has not updated this account and is still reflecting an open account with very large balance. 

I am purchasing a new home and closing on XXXX and this account is significantly reducing my score and prohibiting me from obtaining the interest rate reduction with my new lender. XXXX and XXXX have corrected the account. 

I phoned XXXX and was told to contact Carrington Mortgage to have them contact XXXX directly to correct. Carrington Mortgage is saying they reported the correction on XX/XX/XXXX to XXXX, but can not provide me with any documentation. XXXX is saying they can not locate any such correction reporting and can not fix without this. 

I am getting the runaround by both Carrington Mortgage and XXXX and need this completed immediately so that I can close on my new home. I do not have 30 days to wait for a dispute!!!!!!!! The loan was paid off almost 2 months ago! 

I am suffering significant financial damages in being forced to take a higher interest rate on my new home loan because of this inaccuracy. By law FDCA, this needs to be corrected. 

Please direct me to the person that can handle this error immediately and have the XXXX credit report updated so I can proceed with my closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-07-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: SF VAGO, LLC
State: FL

Complaint narrative:
I paid off my vehicle loan with State Farm Bank. I did go into collections and whatnot but I paid everything. My car was never repossessed. It never left my possession. But the company reported that the car was repossessed. I filed a dispute through the bank for this error. They stated it was legit even though I never paid any repo fees or the car was never picked up. I am applying for a house and this is seriously hurting my progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Have had a Fortiva Credit Card for about 8 years. Due to limiting spending activities due to the pandemic and inflation, the only activity on said card was XXXX, XXXX and the payment of a maintenance yearly fee on XXXX. On Wednesday, XX/XX/2022 I received an email saying my Fortiva account was closed due to inactivity. I called their center on Thursday, XX/XX/2022 for an explanation, After waiting for XXXX minutes for a rep, she finally answered, she barely spoke English, could hear me well enough to take my information and complaint, then she stated the call was " breaking up '' and she couldn't hear me and hung up.on me. So I immediately called back and chose the text message option, rep was named XXXX. He stated the account was closed due to inactivity, although I reminded him there had been 3 transactions in the past year, he stated once the account was closed, it could not be reinstated. Said " apologies '' End of conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is refusing to release my credit information to creditors I was told they have a back house freeze on my credit report I never authorize them to do that after sending them my a copy drivers license and Social Security card they still are not reporting my credit this has been going every since XX/XX/2022 the other two Credit Bureaus XXXX and XXXX have no problem with my file or reporting information. Equifax his actions are causing me financial harm and hardship please address this matter for me as soon as possible .Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

In accordance with the Fair Credit Reporting Act below, the following accounts have violated my rights : 15 U.S.C. 1681, Section 602 A. States : I have the right to privacy 15 U.S.C. 1681, Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason PERMISSION WAS NOT GIVEN TO FURNISH THIS INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND FUNDING, a debt collection company, is reporting a late payment of {$1.00} when collection accounts are close-ended and can not be late ( unlike open-ended credit card accounts. ) They have been doing this monthly to lower my credit score on my XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX DOB XXXX SS XXXX My name is incorrectly reported with misspellings and they are affecting my verification process. The correct spelling should be XXXX XXXX XXXX please delete any other variation of my name ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) the following addresses are not mine and are fraudulent please delete : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX OH, 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 2022-07-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Experian 60 days ago. I have not received as response yet and seems as if my disputes being ignored

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 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express raised the annual fee for the XXXX card to {$650.00}. Via online chat I contact Amex to cancel card. While first contact was late XXXX, the date Amex made the fraudulent retention offer was XX/XX/XXXX. Amex offered either XXXX points or a {$400.00} credit if I were to spend {$3000.00} in the next 3 months. I asked how do I confirm registration for the {$400.00}. Amex replied 'nothing I need to do... and it's saved in the chat. ' I met the {$3000.00} spend on XX/XX/XXXX. I paid off the balance and contacted Amex on XX/XX/XXXX to inquire about when I would see the {$400.00} credit. At that time Amex stated there is no promotional offer and I referred them to the chat save above. The Amex response was I never officially accepted the offer to which I copied and pasted the converstaion of me asking " how do I confirm registration ... '' and Amex replying " nothing further to do.. ''. After back and forth the agent assured me I would receive the credit 8-12 weeks after I met the threshold date on XXXX, to which I confirmed several times " credit will be issued between XXXX. '' They confirmed this would be the case. 
On XX/XX/XXXX I followed up to see we passed the date and no credit issues. The Amex agent said they would take 8-12 weeks to REVIEW the situation. Only after much time and pressure Amex said they would respond within 5 business days. 
I waited the period indicated and then an extra few days, no update and no credit. 
On XX/XX/XXXX I contact Amex again and was forced to recap the entire scenario from XXXX to date, again. I was assured the credit was issued and I would see it updated within XXXX. I checked back on XX/XX/XXXX - NO CREDIT. 
XX/XX/XXXX start all over again with agent. Get to the same point where they apologize and " promise '' I would see credit in XXXX. Nothing from this company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Account had unauthorized transactions bank denied my dispute

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