vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 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:
Transunion are reporting incorrect information on my credit report. I have requested for them to submit evidence and they haven't yet. They are stating my account with XXXX XXXX acct # XXXX. They are stating that this account 30 days late on XX/XX/22 in the amount of {$320.00}. XXXX has removed this incorrect information because they weren't able to support evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
Truist closed my account, explanation from them suspicious XXXX payments... i received a letter saying they would send me a check for remainder balance 7-10 business days after XXXXthat time passed and i called again, i was told a XXXX  payment XX/XX/25 on hold and to call XX/XX/25 ( today ).. 

Now today they are telling they will not issue a check to me... but i ahve to go to nearest branch to sort repayment of funds which is 250 miles away ... a 8-9 hour round trip... 
This is ridiculous, never had this trouble before.. 

They have my passwords ..my ssn ... my mailing address..my security questions ..driving a whole day to sort this out is uncalled for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On XX/XX/2022, I sent a notice to rescind letter to GM Financial for their alleged debt. I applied for a new XXXX  from XXXX XXXX to be used for personal, family, and household purposes. Once the consumer credit transaction was complete, I received statements from GM Financial. Both the dealership and GM Financial had a fiduciary responsibility to provide me with my vehicle but they instead used deceptive practices to extort money from me pursuant to 18 USC 892. 
After some research and investigation, I discovered that GM Financial used my consumer credit information, obtained from another party as I did not provide the information to them, to create asset accounts in which they benefited in the form of monetary advances from my consumer credit pursuant to 17 CFR 229.1101 ( c ) ( 1 ). In my notice, I requested documentary evidence pursuant to 15 USC 44 along with reasonable compensation for their criminal behavior, but they never responded. I attached the proof of mailing, notice to rescind, and affidavit sent to them on XX/XX/2022, for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX ... ... ... .has 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 a account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 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: CO

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In consideration that Chase Bank hasn't solved the complaints with ID numbers XXXX, and XXXX. I opened another complaint on this day exposing that : On XX/XX/2022, I received an email from CHASE bank that once again money was withdrawn from my bank account ending in # XXXX ( SAVINGS CHASE PLUS ), without my authorization for the amount of {$9500.00}, once again this is a continuance of the other 2 claims that I have open here at the CFPB and with Chase Bank, In addition, the bank sent me the notification via email of the money withdrawn with a link that I can follow to review my account, but when I hit that blue button another window opened informing me that they can not find my username and password and gave me the option to reset my password. Still, when I hit that option another alert came informing me that my account was locked due to unusual activity. The account is locked for me the owner of the account and the money in it, but to withdraw the money in fraudulent ways the account is not locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: AZ

Complaint narrative:
I have an impeccable on time payment history with XXXX and I am extremely concerned with their abusive and deceptive reporting of inaccuracies as of current. I was in a deferment during covid which was to end on XX/XX/XXXX and so I was not required by law to make any payments however because I had a little bit of money I made to payments on my XXXX  student loan accounts one on XX/XX/XXXX in the amount of {$300.00} and the second one on XX/XX/XXXX in the amount of XXXX. 
Pursuant to 15 USC 1681 ( a ) Consumer reporting agencies as well as data furnishers such as XXXX have a vital role in reporting verifiable accurate information and must delete all inaccurate, incomplete information immediately upon notice from the consumer. 
Attached is the verifiable accurate information that should be reporting on m current consumer report and if they are in violation of it I am entitled to pure a law suit. XXXX as a data furnisher is also Pursuant to 15USC 1692E False or misleading Representation and ( f ) unfair practices and defamation which they have caused and thoughly violated my consumer rights be report such inaccuracies on my consumer report which represent my crediabilty as a consumer and is causing me severe harm and I do intend to file suit if they are non-compliant with these statutes and laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: CO

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
The branch I dealt with in XXXX and recently was this branch : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I quote and wrote XXXX XXXX and the XXXX. I have also spoken to the debt collector and there is nothing on credit report as of yet... 

" I sent emails with letters to verify and they never responded. 

Attached you will find a cancellation letter from XXXX. 

I am disputing it with the credit agencies, the FTC, and the XXXX. I am willing to let the debt sit since I have good credit anyway and it really won't affect my credit very much and continue to dispute it or settle it in small claims court due to principal. 

I am very unhappy with the services when all I was trying to do was change the membership I was told I needed to cancel and re-open. None of your representatives were able to do that. It caused so much frustration I decided to just cancel all together and they still did not do this right. The reps name was XXXX and she was extremely unprofessional and lacked the knowledge to cancel my membership correctly. Now it is in collections and I've sent them the cancellation letter. Please train your staff to do their job. I should not owe any debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: PA

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The Past Due Fees charged by Capital One are usurious. I have been charged this fee 2x in the last 2 months. I called to have a fee reversed and was denied. The concern I have is my balance is at {$62.00}. If I was not charged these fees I would have a {$0.00} balance. 

I believe this is a UDAAP violation because I am being charged interest on fees only and not a " true '' balance and I would not have a balance if it were not due to these outrageous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I attempted to open a savings account with XXXX twice, once on XX/XX/XXXX and again, at their request, on XX/XX/XXXX. Both times I was declined. I received mail from XXXX dated XX/XX/XXXX that I was declined for the XX/XX/XXXX application due to information at ChexSystems. I requested on online a report from ChexSystems, which I received dated XX/XX/XXXX. All of the information from ChexSystems was correct, and matched what was provided to XXXX. On XX/XX/XXXX I contacted XXXX and requested more information. They advised me to resubmit my request. I did so on XX/XX/XXXX. This request was also denied. I followed up with XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX responded that I needed to verify my identity with ChexSystems. Although I am not sure of they date, sometime after this and before XX/XX/XXXX I called ChexSystems, which put my on hold several times while they reviewed my information but provided no resolution. They eventually sent me a new report, date XX/XX/XXXX, with the same information as before, with the additional inquiry from XXXX added. After receiving this mail I called ChexSystems again and was told they do not verify identity. On XX/XX/XXXX I called XXXX and was told the accounts were denied because of the response from ChexSystems, with no additional detail. on XX/XX/XXXX I called ChexSystems and was told they will not provide any details on the inquiries from XXXX and will only send the same report I have already received twice, which all has accurate information, and that I should check with XXXX as to whyI was denied. I am now at an impasse as both XXXX and ChexSystems are blaming each other an each refuses to provide any details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: PA

Complaint narrative:
XXXX are reporting incorrect information on my credit report. I have requested for them to submit evidence and they haven't yet. They are stating my account with XXXX XXXX acct # XXXX. They are stating that this account 30 days late on XX/XX/22 in the amount of {$320.00}. XXXX has removed this incorrect information because they weren't able to support evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I have a serious injury and while getting an XXXX  XXXX, my XXXX  was XXXX  causing me to have a XXXX. I had lost my job due to performance issues due to my injuries. I had managed to keep everything partially together until I had that XXXX. I called citi to inform them of this issue before I fell behind and they told me there was nothing they could do for me. I fell behind and they started harassing me with phone calls and no one was ever on the other line to answer. I managed to get some funds together and make a payment and called to correct these issues moving forward. I found out they had charged almost {$400.00} in fees for my {$500.00} initial balance before I feel behind. The fees had put me over my credit limit causing me to accrue more fees. 

When I got ahold of the agent and tried to address these issues. She quickly waived 1 fee without my permission and asserted that she could not do anything to help me. Citi doesn't have programs to help people through hardships, but she could get me to her manager who she assured me also could not do anything. After waiting on hold for at least 10 minutes. The phone finally rings through and I hear a click and am disconnected. Due to my injuries it has been difficult to breathe or talk, so I excert myself greatly during these interactions. 

I have recieved at least 4-7 calls a day everyday, even on Sundays since I made my last payment and tried to correct this while dealing with XXXX XXXX  problems. 

.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I rented from XXXX XXXX XXXX  in 2016. I fulfilled a year lease and stayed 6 days in XXXX the following year before moving for a job. I was {$300.00} short on the rent which is a valid charge but I received a letter from XXXX stating I owe just shy of XXXX. I called them to get details and they had a long list of things like baseboard replacement, door replacement, hardwood replacement, 34 holes in the wall. My girlfriend and I took VERY good care of the apartment. There were scratches on the floor where my dogs cage was but other than that we were some of there best tenants. I had meeting with property and they thanked us for being so great and things seemed good. Few years later we get a false debt bill and are being harassed to pay. Also when we requested pictures of the damage from the apartment complex and XXXX neither could provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
Hello good afternoon! 
I got scammed and sent money through Zelle to the scammer and was not able to reverse the transaction in the amount of 2000 XXXX 

I spoke to the bank and Zelle fraud office and all they said is " we filed a claim '' there is nothing else they can do! 

It's a lot of money and I need to pay bills!!! 
please let me know if you can help. 
thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is currently listing a bankruptcy on my personal credit report. They have listed the source of this information as the U.S. Bankruptcy Court of Florida. The U.S. Bankruptcy court was contacted and they responded stating NO information was shared or verified with Transunion. I requested this information be removed from Transunion and they have stated that it was verified through the U.S. Bankruptcy court and it remained on my report. The paperwork attached verifies that the information has not been verified. 

I have attached it stating that the court does not report any filing to the credit agencies nor do they verify or validate such information with the credit agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 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:
These accounts do not belong to me. I've contacted the bureaus in reference to inaccurate information and they didn't respond and didn't address anything. Please see attached FTC 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 2022-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I never had business with those company, XXXX XXXX XXXX # XXXX PORTFOLIO RECOVERY and XXXX XXXX XXXX i WANT YOU TO INVESTIGATE THOSE COMPAGNY AND ASK THEM AMOUNT MONEY THEY ARE TAKEN FROM ME WITHOUT SENT ME THE PROOF THAT ASKED IN THE LETTER. i DID NOT OWN THE AMOUNT OF MONEY THEY REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX Bank of America debit card had a unauthorized money transfer to an unknown bank account. I filed a claim which was denied. I provided all information asked and reported the claim immediately. I filed a police report, a complaint with the better business bureau, filed fraud report with federal trade commission. My account was closed upon the initial fraud claim and I was issued a new card.

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