vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Verbally advised they were in violation for the XXXX XXXX Act. Every single BANK I SPEAK WITH AND QUOTE THIS LAW TOO. DOES NOT CONFORM. I have been hung up on, told they do not have ID NUMBERS AND REFUSE TO COMPLY. They will not honor that I have a federal right to speak to anyone in that company per federal law. And will not comply. The will follow FCRA LAW. Lengthy hold times, inaccurate information and numerous transfer because they abuse a XXXX American that worked there and has verified they still study laws every year. This is pure and utter RETAILIATION. Which is also against the law. Or do you enforce anything? Thank you for holding this bank accountable for their lies and manipulation from someone who worked there and verified Inahve been lied to on multiple calls on XX/XX/2022. I have an open fraud case also. Went to the branch office, as the frauXXXX department would not answer the phone aft a long wait. They refused to help even though I have a fraud charge and abuse of elderly. The looked at me like I have the PLAGUE WHEN I quoted them the law they study every year. I am totally disgusted with AMERICA. You sit there and make hug salaries. And state this and that and call yourselves honorable. Actions speak louder than words. Is there any action left or only WORDS THAT ACCOMPLISH NOTHING. Please do some freaking due diligence and see the hypocrisy. Do it, dont play patty cake and ask them. INVESTIGATE AND PROSCUTE. Or there is no law. Only what you do and dont get caught. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
Company provided a " Financial Acknowledgement Form '' containing my forged signature. 
Note : Company could not provide a valid explanation for this action. 

In a earlier request, company was requested to provide debt validation documents to verify debt. However, company provided a false document as a replacement for a document that it did not possess. 

Additionally, in an attempt to request an explanation of the forged document, the company justified its answer to the Attorney General 's Office and my self with the explanation, " We do not know how to answer that claim ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Contacted Suntrust now Truist regarding the covid forbearance program, however they said they were not following the recommended implementation for XXXX XXXX XXXX, and that instead veterans must request 90 day segnents rather than the six month initial period and 6 month additional period set forth by the XXXX XXXX XXXX XXXX XXXX XXXX. 

So, I naturally contacted them during the following 90 day segments. 

I was told there would be a paperwork to sign at the end of the program related to modifying the loan. 
However Suntrust now Truist has not sent that paperwork. 
And their automated system is not allowing me to make a payment on the loan. 
I have tried relaying these concerns to Suntrust now Truist. 
But the representatives say it is too complicated for them and they need to wait for an answer from their litigation team before sending me those forms. 
1 ) Does this mean that instead of following the governments guidelines, that they are preparing to ambush me with some sort of litigation? 
2 ) Can they use a less scary name for their " litigation team. "? 
3 ) Why is their system rejecting my payments? 
4 ) Why does Suntrust now Truist not to follow the department of veterans affairs own guidelines for the covid relief program 's time periods? 

Additionally, Suntrust now Truist had refused to recognize the local tax authorities ' crrtification of my property tax exemption, and overpaid my property taxes from the escrow account. 

This exemption has since been recognized by Suntrust now Truist. 

This overpayment occured on XX/XX/2021. 
The overpayment was returned and received by Suntrust now Truist on XX/XX/2021. 
With the escrow being funded from the loan, this seems to mean that my loan balance increased for a period of 16 days, due to Suntrust now Truist drawing funds out for escrow. 
Additionally for several months, while Suntrust now Truist refused to recognize the property tax exemption and paperwork forwarded to them by the City 's tax office, it seems funds were taken out in order to fund future calculated tax bills. 

This seems to have had the effect of un-needingly enlarging my total loan balance and accrued interest at Suntrust now Truist 5.So my escrow account amount, and interest amounts are in need of review and correction.

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 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC keeps over charging my account when I dont have over draft. They cant find out how Im overdrawn or when I was overdrafted. I tried to over draft once it was XXXX dollars and it wouldnt let me but somehow every couple days my account is overdrafted a large amount. But it wouldnt even let me spend XXXX dollars over. I also had a hotel refund me my deposit and it never came back to my account and the charge is gone as well. But I never had the money returned. They have taken over XXXX in overdraft when I cant overdraft. I write down my transactions and deduct it myself. And I have money just gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize. The account is : US BANKRUPTCY COURT 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 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XX/XX/2017 {$1000.00} This claim should have been paid by Florida XXXX. They should not be balance billing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: AZ

Complaint narrative:
In XXXX and XXXX of 2021, I had an auto-payment scheduled with US Bank for a credit card. Mysteriously, the bank had technical difficulties in which my regular auto payment did not go through. When I notified the bank that my payments were automatically being reversed, they apologized for the technical issue and then proceeded to offer the reversal of the late payments in XX/XX/2021. However, they still marked a 30-day and 60-day late payment AFTER reversing the late payment as a result of their mistake. 

When I contacted them, they informed me that there was nothing they could do and refused to close my account after I requested them to do so. 

Fast Forward to XX/XX/2021, the 2 late payments were removed from my consumer report. However, within 3 weeks US Bank re-added those payments back to my credit report. Therefore lowering my credit score. The second time, I contacted them by mail after the late payments were re-added and they responded in writing that the information being reported is accurate.

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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In effort to correct my reports I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In effort to correct my reports I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Grettings, I have an inconvenience, I paid the full value to nissan on date XX/XX/2019, after they send me a document : This letter is to confirm that your obligation to Nissan Motor Acceptance Corporation is considered settled in full as XX/XX/2019. 
It has been a long time almost XXXX years, and Nissan continues to send me notifications affecting my credit report. what I request, please is that Nissan information be removed from my credit report because it is already paid. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I made a purchase on XXXX for a washer and dryer. I paid using the Cash App. Shortly after the transaction and before it had completed? I realized the items did not work and notified cash app. After three days they processed the transaction anyway. Fortunately I had also notified my bank who stopped payment but cash app claims I owe them {$360.00} for the transaction they paid anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, on XXXX XXXX, the Georgia Department of XXXX XXXX deposited over XXXX to a cash app card I had for the entire month of XX/XX/2021 that ended in XXXX, I am not talking about that card that ends in XXXX that they said I was in violation of. ( they closed that one ) Georgia XXXX XXXX XXXX has did a through investigation for that money and it has not been returned to them so they can re-send it to me, that money was put on a closed cash app card in fact I lost that card and that is how I got the card ending in XXXX which they closed. my cash app account number ended XXXX and routing # XXXX and the last four of the cash card itself was XXXX that the XXXX was deposited on. I have been back and forth with them and getting no -where and it appears that no-one comprehends what I am saying as they all ask the same questions over and over again I have 13 emails with the same questions to them and 13 reply 's identical from them, in fact Cashapp wants to harbor on that card they closed ending in XXXX. The card my money went on ended in XXXX, I called cash app I sent a letter to cash app and I have gotten no-where I am in a pandemic still and I can use my money. PLease assist me with this matter, I have read so many horrible reviews on others experience and how cash has taken thousands from them, I do not want to be another statistic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021, I got a message from a number claiming to be Wells Fargo, detailing that someone had committed fraud on my account. This number was XXXX. Upon answering NO to if it was an authorized transaction, I got a phone call from what appeared to be Wells Fargo from the caller ID. I heard the automated Wells Fargo message and was connected to a representative by the name of XXXX XXXX. He explained that in order to secure my account, I needed to transfer funds to myself. I transferred {$3500.00} as well as {$500.00} for a total of {$4000.00}. Once I had realized what had happened, I brought this up to my bank. I had an understanding that due to Regulation E, customers were still entitled to a refund or compensation even when tricked to give personal information. They have denied my claim, even though after reaching out to others, I found out that a similar scam happened to a friend using XXXX and was able to get his money back in a week.

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 2022-01-19 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: FL

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX XXXX BREACH. 

This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX XXXX BREACH. 

This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed

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 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of 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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: IL

Complaint narrative:
On XX/XX/2021, a letter was shown delivered to NCTUE. In that letter was a request for my full consumer disclosure, security freeze, and deletion of my information from the company. I had never contacted this company prior to the initial letter that was received on XX/XX/2021. 

Today I received a letter stating they were missing personal ID identification needed to process the security freeze request. This is weird because in the body of the letter I have all my identifying information and I also included a photocopy of my driver 's license and a utility bill. 

Also, for them to send me this letter about a security freeze means they also saw the part of my letter asking for my consumer report and info deletion because all were requested in the same letter. If they can not place a security freeze because my information has been deleted then that's fine, but send me a letter confirming the deletion of my information. They still have not sent my consumer disclosure either.

Company response to consumer: Closed with explanation