vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX prior to leaving town, I did my mobile deposit to pay bills as i have done over and over for 2 years. I received a TEXT as always that confirmed my {$10000.00} was deposited and {$8000.00} in bills were scheduled tfor Friday XX/XX/XXXX. No other communication was given, and I discovered this in error - and then panic! 

I was panicked and called 800 # - just to be told by " XXXX '' and then her supv " XXXX '' for 33 minutes that nothing could be done. I was read the policy several times and neither of these reps listened to the logic, or even dug in to see this is the same check for 2 years - then in addition i NEVER got a text saying magically your money is not NOT YOURS after 2 years of taking this deposit mobile over and over again. 

I in a panic had to find {$10000.00} and pulled from a suntrust credit card to simply quickly cover my expenses- this is a horrible feeling and zero support from truist - nothing at all about my panic or the financial impact to me if ALL OF THOSE BILLS were returned - i now have an advance fee of {$400.00} and i do not believe i need to pay this huge financial penalty to fix what truist refused to resolve!!! 

I was also told that a new Truist policy was implemented on holds after merger was complete, so i would have to deal with it- are you kidding 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 2022-08-08 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: TN

Complaint narrative:
XXXX was able to delete this debt. What are you showing that proves and keeps you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well. Also in accordance with The Fair Credit Reporting Act XXXX XXXX  Account # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I didn't give written permission. They didn't do a fair investigation. Everything was not 100 % 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 explanation
Consumer complaint received 2022-08-08 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: GA

Complaint narrative:
I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

Account names XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX  Account no. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX Accounts XXXX, XXXX, XXXX, XXXX, and XXXX quick recover has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Complaint narrative:
I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

Account names XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX Accounts XXXX, XXXX, XXXX, XXXX, and XXXX quick recover has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Three charges occurred on my credit card on XX/XX/XXXX, and XX/XX/2022, in the total amount of {$4500.00}. I reported the fraud 6 days after it occurred. XX/XX/2022 my account was credited the {$4500.00}. On XX/XX/2022, I was sent a letter stating that the company does not consider it fraud because a chip was used and put the charges back on my account. Now they are charging me interest and late fees on the fraudulent charges. 

I can not reach the fraud department of my credit card company and have left many messages. I went into the bank branch and I have asked for the case to be reopened. I have filed a case with my local police station who will sent the information to the two cities where the charges were made. The police department is City of XXXX, the case # is XXXX. 

I have now taken 2.5 days off of work and spend many hours on the phone, in the police department and bank. I know that if the credit card company looked at the recordings of people purchasing on those days, they would see who duplicated my chip. The police said that the companies do not have to provide me with this information. I have called both companies and neither has my name in their system as purchasing items or subscriptions. 

What can I do to expedite the investigation?

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 2022-08-08 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:
Equifax has an erroneous medical collection account being reported on my credit file XXXX XXXX XXXX XXXX XXXX. I have now disputed this twice with Equifax, who somehow magically did their investigation twice now in under 48 hours. This is a clear violation of my rights and numerous credit laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX continues to have problems with their system were you can't submitted or provide proof of inaccurate information. 
XXXX continues to over look information that was provided as proof of reporting inaccurate information. 
XXXX is destroying me and family life by not fixing inaccurate report At this point I've submitted XXXX Dispute against ( XXXX XXXX XXXX ) XXXX YOU MUST FOLLOW FEDERAL LAW 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: OK

Complaint narrative:
Chime, a financial services company and partners with XXXX and XXXX Banks, opened an unauthorized online account for a XXXX XXXX XXXX, using my stolen personal information and without my permission on XX/XX/2022. I received a card, in the mail from a Utah facility address ( which I believe is associated with XXXX  ) and closed the account with Chime on XX/XX/2022. The XXXX Bank name was on the shipping info with a routing number ( XXXX ). 
Since XX/XX/XXXX, I have tried to contact XXXX and Chime numerous times to determine how my personal information was fraudulently obtained and how they could open an account without my permission. I have followed Chimes instructions to get this information, but they are not forthcoming. They are in violation of the Federal ( FCRA ) Law to provide documentation on this identity theft. 
I found another Case ( XXXX ) dated XX/XX/2022, with the same circumstances in the database. This reminds me of the XXXX XXXX and XXXX Bank fraudulent activities to open unauthorized accounts for marketing credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX was able to delete this debt. What are you showing that proves and keeps you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well. Also in accordance with The Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I didn't give written permission. They didn't do a fair investigation. Everything was not 100 % 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 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
1st Wells Fargo let my ex transfer XXXX $ from my account making it negative I caught it while it was pending but they did nothing and let her empty my account then they told me to close that account after she stole more money and open a new one so I did Last week I deposited a check the money has been received from the writers bank but Wells Fargo was requested to make those funds available which they havent dont to this point and plan on holding my funds till the XXXX this has caused me to not pay my rent on time causing me more financial hardship after letting my entire account be drained a month of so previous These banks are so quick to take your money for fees and stuff I expect timely access to my earned income they are withholding and I really still want them held accountable for the XXXX stolen from me they did nothing about

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 2022-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform. 
all was fine until i get notified that my account has been permanently limned I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-08 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
My vehicle was totaled in XX/XX/XXXX credit acceptance received payment for the vehicle value. I open the loan with credit acceptance in XX/XX/XXXX the duration of the loan was for three years. However credit acceptance has been illegally reporting missing payments to all three credit bureaus recently being on XXXX XXXX. They still have this loan as being opened and missing payments. I have contacted this company several times and was talked to in a very unprofessional and disrespectful manner. This is going on year five that this loan has been opened which was originally XXXX dollars however credit acceptance has on my credit report that I owe them almost XXXX dollars for the used vehicle that was totaled. This is practicing unfair and disceptive actions towards consumers such as myself. It is illegal for them to report defamatory information to hinder my credit continuously and maliciously with the intent to cause harm or financial gain.

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 2022-08-08 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: TN

Complaint narrative:
XXXX and XXXX were able to delete this debt. What are you showing that proves and keep you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well. Also, in accordance with The Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: MA

Complaint narrative:
The website on the back of the card that the bank tries to get us to use to activate and check balances is constantly down. It has been unreachable since I've had the card. When you call to report this issue you get an outsourced untrained useless rep. 

This has been a long standing problem with this bank as there are dozens of complaints about it all over the internet for years

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 2022-08-08 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: IL

Complaint narrative:
I went to a car dealership named XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX Illinois XXXX. They informed me that the were only going to run my credit report for XXXX XXXX to apply for an auto loan with them. Without my knowledge I notice they put multiple inquiries on my credit reports that I did not authorize without my consent and unknowingly put these inquiries on my credit report. 
Inquired Listed : 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

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 2022-08-08 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: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX ACCOUNT # XXXX 30 days late in XXXX XXXX, 60 days in XX/XX/. 

2. XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
The card is XXXX XXXX XXXX  XXXX credit card by Synchrony. The card number is XXXX. 

After I register this credit card I was charging every month for a security fee + interest fee. I was never told by email or by message that I enrolled in the security protection program and they force to charge me the security fee for over XXXX $ within a year. 

I think this is defrauding customers and it's a hidden fee to customers. I need Synchrony company to return this fee 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 monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX Account # XXXX Bal : {$0.00}

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 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
There was a legal order judgment taken against me without my knowledge or right to dispute Fargo did not notify me of the judgment which made it more difficult cost me lots of money

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