vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened an account with BB & T ( Truist ) online around XXXX or beginning of XX/XX/2020. I deposited a check of XXXX at a branch a few days after opening the account. I also deposited a {$100.00} check on the mobile app. I waited several weeks and never received a card. I contacted bb & t to ask when Id receive it and thats when I was told there was a card issued and its been used. So they had me open a new account and closed the original one. I received my debit card the following week and tried activating it but they said I couldnt because the account balance was negative. So the following week I received a letter stating the account was no longer negative. Again, I was unsuccessful at activating my card. They said it was froze. So I assumed a new card would be issued. They helped me gain online access to my account. I submitted 3 bill payments using my checking account number. I also tried sending money through XXXX to a family member on bb & t website so that I can have access to cash but it would not go through. I never used XXXX before so I figured I wasnt doing something correct. I then received a voicemail the same day saying to contact bb & t to verify account activity. When I called them they told me my account was frozen because it was being investigated. Which I figured it was because of the fraudulent charges. But I have been unsuccessful at getting an answer as to why I cant access my funds. They provided the provisional credits within 10 days like they should but they should not be blocking my access to them. That defeats the purpose of provisional credits being issued. Ive contacted bb & t daily to get answers but 95 % of the time My request to speak with a supervisor is refused. The 5 % that I have been able to speak with one Im told they dont have the answers as to why my access to my money is being blocked. All they know is that its under investigation. Yet no one can direct me to the department handling it and they say they are waiting on a response from them as well. This has been going on for almost 2 weeks. Im left in the dark, broke, unable to pay bills. The bill payments I submitted were returned. My electric, phone, and internet are all pending to be shut off. I cant get any answer or help from bb & t. Ive been out of work since XXXX. That money was money I had transferred out of my unemployment debit card with XXXX XXXX XXXX. Ive even contacted bb & t to advise them that I believe I know who intercepted my card and made those charges. Yet Im treated like the criminal every time I contact them. Im constantly promised supervisor callbacks but never receive them. I have no way of speaking to anyone that can help me and will soon have no access to a working phone. Please help me get this resolved.

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 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company report that I have 3 different loan under this company but I actually has been only one loan one company 's already deleted form credit bureaus but the other is still pending. This companies has written off in all 3 loans with the IRS as different evictions on the same matter I had report to them this is incorrect or probably tax fraud in the end please locate the order of deficiency form IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LENDER LIVE
State: TX

Complaint narrative:
This company report that I have 3 different loan under this company but I actually has been only one loan one company 's already deleted form credit bureaus but the other is still pending. This companies has written off in all 3 loans with the IRS as different evictions on the same matter I had report to them this is incorrect or probably tax fraud in the end please locate the order of deficiency form IRS

Company response to consumer: Untimely response
Consumer complaint received 2020-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed and sent documents of incorrect information on my credit report so many times there is always an issue with them according to them they update info that looks the same as the last report or they report that agency reported it was accurate even with the documents the collection companies tell me they could find my file or unable to sent me documents that verify the debt is mine I have been doing this for a year now and still cant get a solution

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 2020-11-07 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: TX

Complaint narrative:
I have disputed and sent documents of incorrect information on my credit report so many times there is always an issue with them according to them they update info that looks the same as the last report or they report that agency reported it was accurate even with the documents the collection companies tell me they could find my file or unable to sent me documents that verify the debt is mine I have been doing this for a year now and still cant get a solution

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 2020-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/2020 XXXX XXXX XXXX put an unknown collection on my report. This collection is not mine and belongs to someone else.

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 2020-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Regarding case # XXXX for Card # XXXX, Capital One requested my drivers license due to suspicious charges on the account. My wife sent my drivers license three times, one by a link they provided, the second time it was faxed, and the third time she mailed a copy. They replied and said they could not zoom in on the copies even though they are legible. 

I mailed a letter by certified mail to Capital One t on XX/XX/2020 saying the restriction is not lifted by XX/XX/2020, then CLOSE the account. There is a {$1400.00} credit plus I made a payment of {$15.00} on XX/XX/2020 that I want refunded. 

I called Capital One after receiving conformation from the post office that the letter was received by Capital One. The male I spoke to said I would receive the {$1400.00} credit refund. As of today, I have not received the {$1400.00} credit refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In XX/XX/2019 XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.

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 2020-11-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent letters in XXXX and XXXX regarding my disputes and now I have sent certified letters to each bureau ( Equifax, XXXX  and XXXX ) on XX/XX/2020 with the tracking numbers of XXXX, XXXX and XXXX requesting a reply and complaint. I also sent letters disputing my matter to Equifax on XX/XX/2020 and XX/XX/2020 and haven't heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, Ca. XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute The current status of my Score on my report is not correct. The report shows that I have a XXXX scores, but I have made all of my payments on time and my score should reflex XXXX scores. 


Thank you for your assistance. 

Sincerely, 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 2020-11-07 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: Upstart Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/20 i called time payment corp and gave them my Account number on my credit file. they gave me a number to their legal department. i called then i gave them my information they acknowledge i filed for bankruptcy. then they gave me another number to call, called numerous times and left a message to get back with me, no one got back with me. prior to that i disputed my case with XXXX  more then once uploaded all legal documents. the dates XX/XX/20 XX/XX/20. they sent back false information to XXXX and said my case was accurate as i still owe them the debt. thats not true my bankruptcy is discharged. i disputed bankruptcy petition and discharge and my account is still open. i also disputed with other accounts on my documents upstart, XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/20. the disputed was for to update to bankruptcy discharge chapter XXXX no results. showed all documents also. file disputes XX/XX/20 to update bankruptcy chapter XXXX discharge with XXXX XXXX and XXXX for the account XXXX XXXX and upstart. i did not contact XXXX XXXX, upstart or XXXX XXXX XXXX XXXX just disputed them no results. by law with legal document my rights are being violated. all accounts should show bankruptcy discharge chapter XXXX with {$0.00} balance. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: GA

Complaint narrative:
There is still reporting on closed account from XXXX XXXX. Account was sold to XXXX in XXXX, yet credit bureaus are allowing the repetitive reporting as follows : 42 charge offs with XXXX, 3 charge offs with XXXX, and 7 charge offs with Transunion. Please review attached screenshots from each credit bureau updated on XX/XX/XXXX. I have disputed this with all credit bureaus, and it is relevant that the bureaus are in violation of FCRA 15 U.S.C. 1681i. In XX/XX/XXXX XXXX took the correct action and deleted account from credit report, and failed to provide an explanation for reinsertion as requested from me, the consumer. Please immediately assist with deleting account from all 3 credit bureaus in an effort to avoid litigation.

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 2020-11-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There is still reporting on closed account from XXXX XXXX. Account was sold to XXXX in XXXX, yet credit bureaus are allowing the repetitive reporting as follows : 42 charge offs with XXXX, 3 charge offs with Equifax, and 7 charge offs with XXXX. Please review attached screenshots from each credit bureau updated on XX/XX/XXXX. I have disputed this with all credit bureaus, and it is relevant that the bureaus are in violation of FCRA 15 U.S.C. 1681i. In XX/XX/XXXX Equifax took the correct action and deleted account from credit report, and failed to provide an explanation for reinsertion as requested from me, the consumer. Please immediately assist with deleting account from all 3 credit bureaus in an effort to avoid litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
XX/XX/2020 Talked to my lender over the phone, it's I believe the first time I had heard the name of our contact at the title agency. I was told by our lender that he would send over some closing paperwork and that the agent with the title company would be reaching out with information on how to wire our closing costs. 

XX/XX/2020 Received email from what we thought to be our new title company, requesting our cash to close funds, be wired a few days before close so they can clear XX/XX/2020 XXXX XXXX  I wired {$62000.00} too My Title Company, XXXX XXXX XXXX XXXX at Wells Fargo XX/XX/2020 XXXX XXXX  we showed up to sign closing papers, at that time we found out about the wire fraud. We believe XXXX XXXX XXXX XXXX had a breach in their chain of secure information. 

We headed directly over to XXXX XXXX XXXX XXXX XXXX our credit union ) to talk with branch manager. I wasn't happy with his casual dismissal, so when I got home I called their 800 number and spoke with the fraud department a few times. 

While at XXXX XXXX we called Wells Fargo trying to figure out why a wire transfer was accepted for an account that does not exist. We were told by XXXX XXXX XXXX XXXX that they have no accounts with Wells Fargo. I did include a name in the wire transfer, which was on the instructions. However, I only put that name in the notes as an attention too. I figured it was the person in charge of that department. 

XX/XX/2020 I have spent all day on the phone with both bankers. We have received no answer and are told that it can take up to 10 days to even hear anything back. There are three household depending on the stable sale and buy of the home we are under contract for. We do not have that kind of time - for these entities to identify the simple fraud that was committed. 

We humbly ask for any help we can get.

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 2020-11-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX first Experian received its second complaint in regards to incorrect reporting on my credit file. XXXX  has failed to comply with 15 USC Section 1681n and 1671o. XXXX Account XXXX and others. Experian was notified that all XXXX  Accounts are XXXX XXXX XXXX XXXX, PA account associated with the XXXX XXXX and were paid by the V.A. Under the Protecting Veterans Credit Act of 2018 " Prohibiting medical debt that should have been paid by the VA to be reported as part of a veteran 's credit history. Yet Experian continues to report these V.A. accounts under my name and my credit report. XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX The credit bureau has the settlement from a court hearing were the loan is considered paid in full and can not report me to the credit bureau. Experian continues to ignore the court order and reports this account as charged-off. XXXX XXXX Acct XXXX Experian has the letter from XXXX XXXX that they were unable to properly identify me as the holder of the account. A police report, a criminal identity theft case was filed with XXXX  and XXXX as the letter stating which caused XXXX XXXX to be unable to distinguish me from the fraudulent party. Yet Experian claims the Account was verified when XXXX XXXX  said it can not verify the account due to the police report and the identity theft. XXXX  Account A police report, a criminal identity theft case was filed with XXXX  and XXXX  as the letter stating which caused XXXX XXXX to be unable to distinguish me from the fraudulent party. Yet Experian claims the Account was verified when XXXX XXXX said it can not verify the account due to the police report and the identity theft. This is the same account as XXXX XXXX just resold. XXXX XXXX XXXX. The original creditor XXXX can not verify the account since they can not find the original agreement of credit. Yet Experian falsely claims the account was verified. Rather than remove the items Experian now all of a sudden can not find my identification to verify my 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 2020-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX is apparently trying to bill something that was NOT submitted to XXXX. 
There is NO documentation, i NEVER received a bill from XXXX, nor an EOMB from XXXX either accepting or denying the claim, and did NOT get a 30 day notice for the bill from XXXX, NOR did i get a 30 day notice from the debt collector regarding the debt. NOTHING.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I noticed a collections agency on my credit reports, which caused my credit rating to be seriously affected in a very negative way. I called the company and informed them I had no business with them and requested they send me some proof, we have business together. I also asked for them to provide a legal contract, we have with each other signed by the both of us. I was informed they purchased some sort of debt totaling over 6,000 dollars. I explained I didn't know what they were talking about and demanded they contact the credit bureaus and remove this item ASAP! I'm prepared to fight this to the end and have know problem filing suit against this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WA

Complaint narrative:
This is so frustrating, IC Systems clearly understands my request for VALIDATION OF THE SERVICE ADDRESS. However they continue to only provide me a customer account ledger that does not prove that the service was at my address and is usually produced after service is connected to that particular address. Providing me a copy of a simple work order from the account would show the address and prove this is not my debt. I have requested this information NUMEROUS times and told them numerous times that service was not at my address. Next step will be a law suit for falsely and knowingly reporting and continuing to report a debt that I have disputed was not 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 explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In XXXX of 2019 XXXX XXXX XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.

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 2020-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am woth XXXX XXXX XXXX and I used their money transfer Zelle in the XXXX  XXXX XXXX App to send payments for a XXXX  i was supposed to receive. I later learned this was a scam and XXXX  XXXX XXXX nor Zelle would return my money. {$700.00} was taken. XXXX XXXX XXXX  was the site I ordered a puppy from XXXX was scammed by.

Company response to consumer: Closed with explanation