vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My broker deposited a {$5700.00} paycheck, on XX/XX/XXXX, from a closing we successfully completed to my Citizens checking account. Citizen 's Bank put the funds on hold an additional couple of days. I called to question this and they mentioned the funds would be released on XX/XX/XXXX. On XX/XX/XXXX the funds were still on hold. I called again and they mentioned my funds would be held an additional 15 days. They mentioned they reached out to XXXX XXXX on XX/XX/XXXX to be sure they had access to the funds. They mentioned XXXX XXXX  had not confirmed with them yet so it had to be held an additional 15 days and there was nothing they could do about the release. The rep also asked me if I had someone at XXXX XXXX  to assist. I said yes but I had to get back to them. We ended the call. I reached out to my broker who provided me with her branch managers name and number to reach out to. I called Citizen 's bank again and spoke with another rep who confirmed that the funds were on hold but this time he mentioned only an additional XXXX or 7 days. I told him I had the branch managers name at XXXX XXXX  and he said he could not do anything with this info. Was not happy that I was given contradicting information and also now being told the funds would be available sooner. Which one is it and what is the " real cause of this ''? They could not respond. The funds have cleared my brokers bank account so it clearly did not bounce. There is no way that it takes this long to reach out to a major bank such as TD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK
State: MA

Complaint narrative:
I was scammed of {$1500.00} through two XXXX transactions ( XX/XX/24 ) after I checked with my bank, East West Bank, to ensure the check the scammer sent me and that I had deposited for over XXXX hours was valid. 
On XX/XX/XXXX, the scammer reached out to me through my email about a voice-over job for a marketing video for their client. They said they would send me a front payment of {$400.00}, but then they said they made a mistake by sending me a check for {$1900.00}. They asked me to deposit the check and XXXX the extra {$1500.00} to an engineer they hired for the same project. I deposited the check on XX/XX/XXXX, checked the company label on the check, which had a XXXX history, and checked with my bank on the XXXX, XXXX days after I made the deposit. 
My bank didn't warn me that the check might be bad or ask me to wait. Instead, they wrote XXXX lines to confirm that I would receive the money by the end of the day with only XXXX words, " if check clears, '' as a condition, which I didn't understand the significance of at that time. So, on XX/XX/XXXX, I made XXXX XXXX transactions ; one was {$1.00} to ensure the scammer got the money, and the other one was {$1400.00}. After I made the transaction, the scammer 's check was " returned. '' I checked my account on XX/XX/XXXX in the morning, noticed the returned check, and sent all my evidence, the email chains between me and the scammer, to my bank 's fraud department. They asked me to wait XXXX days and told me they could do nothing because I " authorized '' the transaction, which I only did because I was led under false pretenses. I called again to ask why the check was returned ; they said it was because they were " unable to locate the account. '' - then why did the bank credit me a portion of the money to lead me to the false conclusion that the check was good?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I went to review my credit profile there were some inquiries that were 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 2024-05-29 00:00:00
Product: Credit reporting 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:
I am current on my payments. I have asked for a hardship repayment plan which was granted. I have been making payments every month. However, they continue to report me as late. They received payments every month from me. I am not behind on any payments. However, the payment is not being applied to the balance due. The balance due is not updated. The interest rate was below 12 % apy when I applied. Now when I log in to upgrade.com the rate says 17.5 % and that I am delinquent. This is a violation of my privacy. Please fix my acount now. 
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 non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX i paid for a service from XXXX XXXX XXXX. The service i paid for was not rendered after constant communication with the owner who said his name was XXXX XXXX. I found out his real name is XXXX XXXX XXXX and that many customers and having the same issue as myself. I contacted Credit Karma reporting the issue, disputing the charge and expecting an investigation for a charge back. Credit Karma did no such investigation only saying that XXXX  ( the companies payment processor ) did nothing wrong so my dispute was denied.

Under the Fair Credit Billing Act of 1974, all payment card issuers must offer a chargeback process to remedy fraud and abuse. If a customer brings a valid dispute claim to their bank, a chargeback will result.

Credit karma did not ask me for any information to substantiate my claim and they informed me they would not help me further.

I paid for a service and the service was not rendered this is indeed fraud and abuse! CK did not even attempt to contact the merchant that received the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Credit Bureau XXXX I am writing to dispute information that is not accurate on my credit report. The items I dispute are also encircled on the attached copy of the report I received. 

The following account ( s ) are reporting inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that these items be deleted as soon as possible to reflect maximum accuracy on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus must thoroughly investigate items in question that I have disputed ( 15 U.S.C. Section 1681i ). The FCRA also states that you must promptly delete any information which can not be verified ( 15 U.S.C. Section 1681i ). 

I kindly request a written confirmation from you once the inaccuracies have been rectified and the changes have been reflected on my credit report. 

Attached is a copy of my Lease and my Social Security Card. 

Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Credit Bureau , I am writing to dispute information that is not accurate on my credit report. The items I dispute are also encircled on the attached copy of the report I received. 

The following account ( s ) are reporting inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that these items be deleted as soon as possible to reflect maximum accuracy on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus must thoroughly investigate items in question that I have disputed ( 15 U.S.C. Section 1681i ). The FCRA also states that you must promptly delete any information which can not be verified ( 15 U.S.C. Section 1681i ). 

I kindly request a written confirmation from you once the inaccuracies have been rectified and the changes have been reflected on my credit report. 

Attached is a copy of my Lease and my Social Security Card.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've consistently made sure payments on this account are made on time, never allowing them to be overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in 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 non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I think FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.

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 2024-05-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
On XX/XX/XXXX I closed on my property with XXXX Bank for {$180000.00}. Then on XX/XX/XXXX records with XXXX XXXX  closed the account showing the debt as paid in FULL ( {$180000.00} ). 
Since then, I have been receiving correspondence from PennyMac stating they're the new servicer of the loan transferred from XXXX XXXX 
Beginning XX/XX/XXXX, I've been sending correspondence to PennyMac inquiring about their GAAP accounting and requesting a contract with PennyMac and my signature as consent. Neither requested items have been furnished for my record and according to XXXX XXXX tax records the account has been satisfied and closed. 
After several failed attempts of me requesting this information from PennyMac on XX/XX/XXXX, I was denied my right to a bill of exchange for payment coupons addressed to the property, which proves a point that the debt doesn't exist. Also on XX/XX/XXXX, I was addressed to Cease and Desist, and I don't understand that response. I'm dealing with threats of foreclosure with no proof of claim from PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NATIONAL DEBT RELIEF LLC
State: AZ

Complaint narrative:
I called to consult with them I was behind on credit cards, they made it sound like basic credit consolidation, however I had to sign contract while on the phone, make a payment that day, had no time to read contract, I did not know any of the details of the contract, that is straight manipulation. I made payments for a year and a half, they still had not paid off XXXX out of XXXX cards, so I called to pay a lump sum pant of $ XXXX, to hurry the process along, they told me it didn't work like that, and that I had to keep making them payments, and was like what for, I just paid you XXXX .... I was like no way you can pay yourself out of the money I have paid you this feels like a scam, you have tanked my credit, and we are no further than we were. My XXXX  had just died, I could not work for almost a year, I feel like I was preyed upon and manipulated, I don't even know if I can cancel. People need to know what they are entering into. I've included screen shots XXXX  years in and XXXX XXXX  does not make sense to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
On XXXX my credit was ran by these 4 companies without my permission. According to Law FCRA SECTION 605B This Is Illegal. I would like these removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dispusted and called company in XXXX account was closed but still on credit report. This is inaacurate. I tried disputing with experian but they have done nothing to help. I have reported ID theft already. See my other complaints with other companies

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dispusted and called company in XXXX account was closed but still on credit report. This is inaacurate. I tried disputing with experian but they have done nothing to help. I have reported ID theft already. See my other complaints with other companies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dispusted and called company in XXXX account was closed but still on credit report. This is inaacurate. I tried disputing with experian but they have done nothing to help. I have reported ID theft already. See my other complaints with other companies

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 2024-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Purchased home on XX/XX/XXXX, assuming an existing VA Mortgage. 

Started application with Mr. Cooper to assume existing mortgage, for release of liability for the Seller of the property, on XX/XX/XXXX. 

Denied Mortgage by Mr. Cooper on XX/XX/XXXX, and advised I could appeal to the VA From this date on thru to XX/XX/XXXX we have been requesting our file to be transferred to the VA, by way of E-Mails and phone calls. 

VA has also sent emails to Mr Cooper requesting my file. 

I am enclosing copies of my emails with Mr. Cooper and the VA requesting the file to be uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you verify the documents? Some of the accounts listed contain inaccuracies regarding reporting, such as incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XX/XX/year> fraudulent transactions were made on my account total amount {$5000.00}. First one in the amount of {$1000.00}, and nine more in the amounts of {$500.00} to a XXXX XXXX XXXX XX/XX/year> XXXX fraudulent transactions were made to nataliea toombs in the amount of {$99.00}. Both times my account was frozen or restricted due to my disputes with no access to it and both times they reported back with no fraud was committed. Im filing another dispute to try and recover funds and due to failure on their part to notify me that suspicious activity was being committed on my account, and to top it off they do not want to return my hard earned money. It is very upsetting, on one of the calls I was transferred 6 times then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On Friday XX/XX/year> I was contacted at my place of work claiming to be an officer. They said I had missed a court date and was being fined {$2000.00}. They told me to first get the money in terms of crypto currency but the machine closest to my location was broken. Then they had me transfer the funds through my 5/3rd account via the XXXX app XXXX I sent {$1000.00} as that was all I had. They confirmed the money was sent and disconnected the call. I then went to the actual police station as I believed I was still in trouble and in contact with actual authorities at that point where they informed me I had been scammed. I filed a police report and sent a fraud complaint to my bank. XXXX  the XXXX I got confirmation that I do not get any of my funds back.

Company response to consumer: Closed with explanation