vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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:
On XX/XX/year>, I deposited a {$75000.00} cashiers check at the XXXX XXXX Truist branch in XXXX, GA. The check was drawn on XXXX XXXX and purchased at the XXXX GA XXXX branch across the street from the Truist branch. I was told that a hold would be placed on the funds until XX/XX/year>. I inquired about the details of the hold with a woman who identified herself as the branch manager. She said it was bank policy to place a hold on the full amount with no immediate availability of any funds. When I asked for the rationale of this policy, to educate myself, she shrugged her shoulders and told me I just work here. 

On XX/XX/year>, my wife ( also on the account ) called the Truist corporate support line and spoke with a representative who agreed that, in accordance with federal Reg CC guidelines, the first {$5500.00} should have been made immediately available. He transferred her to a supervisor, XXXX, who she spoke with at length. She requested to be directed to where she could find the policy regarding holds on cashiers check in our account agreement. This was not provided. XXXX told her that holds were the discretion of the branch and only the branch could release the hold. She provided the contact information for the branch. My wife called the branch, and after 7 no answer attempts over 20 minutes, XXXX finally answered the phone. XXXX stated that a partial hold was not possible, and that he would send the issue to his XXXX XXXX Truist branch manager, but warned that our recent overdraft status would probably prevent him from releasing the hold on any of the funds, regardless of our 20 year relationship with the bank. 

In our communication with friends who are bank officers at other institutions, this violates federal Reg CC guidelines regarding holds on deposits of cashiers checks. It is our understanding that the first {$5500.00} should be made available immediately or within 2 business days.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Last summer we received a registered letter from our mortgagor, Mr. Cooper, stating that we were in trouble with our mortgage and if we needed help paying our mortgage call the number on the letter. We immediately called Mr. Cooper asking what the letter was regarding as we had never made a late payment ( my husband and I are both seniors and widowed ) and I personally had perfect credit and no money issues, neither does my husband, XXXX XXXX. They told us our payment ( I believe for XX/XX/XXXX ), was short because our escrow account had a shortage. They said they sent an email to both of us but neither of us receivedthe email so we both went back and looked for this notification via email that our Homeowners with XXXX ( our XXXX insurance at the time ) had increased. The payment we made that month was more than the monthly amount as we pay extra toward our principal each month but still short by a small amount ( under XXXX dollars as I recall ). XXXX never sent notification of an increase for our XXXX either. We paid the shortage on the call with Mr. Cooper with our card the day we received the registered letter. After they reported our account delinquent and my credit score has decreased by XXXX points!!! I am XXXX and have never paid late, never had a delinquent account and pride myself on my credit worthiness. The mortgage I had on my home that I sold in XXXX was never late and paid ahead of the 30 year mortgage I carried on XXXX XXXX XXXX XXXX XXXXXXXX WA XXXX. 
I understand that new lack of regulations allows creditors to report someone " late '' for just one time event even though there was no proof provided that they sent us notification of an increase occurring. Since then I sent a letter to Mr. Cooper via their website complaining of this practice and how unfair it is. I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Originally I asked for it to be removed from my report because of FERPA violations and privacy act of 1974 violations. However upon further research I defaulted on this loan over 13 years ago. It should only be reporting for XXXX my complete credit report Is incorrect as it says paid as agreed and current. I've never made a payment. This is destroying my life as my utilization is thru the roof. I believe navient which originally was my servicer cancelled out the debt before XXXX took over. I would have to foia financial records to be positive, but I could bet my right XXXX on it. ( Odds are more than favorable if I'm betting on my XXXX )! None the less it's been 40 days since company said they were going to respond. 43 from the day I sent it. Um Get it off. Considering how detrimental his has been to my credit, my life and family plus the willful non compliance would actually be a blessing for me. Proceed as you wish.

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 2024-03-24 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: Colony Brands, Inc.
State: TN

Complaint narrative:
This account was open on XXXX XXXX I contacted seventh avenue they lady said she was sending something over to the credit bureau to remove this off of my credit i contacted all 3 three bureaus XXXX remove it XXXX didn't remove it XXXX remove it than put it back on there and it drop my score XXXX points i have proof they remove it and than added it back i have never had and account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: IL

Complaint narrative:
Will like to see proof that I was ever late on this account. XXXX I would like for this account to be update correct. XXXX XXXX say I was late please show proof I was late. All three credit reporting agency are showing different.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
For roughly 20 years, I have maintained multiple accounts with Chase Bank. 

In XX/XX/year>, my Chase private banker in XXXX XXXX XXXX, XXXX XXXX, informed me that the banks complianceXXXX  department was conducting a routine review of my accounts and required information, including supporting documentation regarding the source of funds regularly wired into one of my accounts. I promptly and dutifully provided all documentation to XXXX XXXX. 

On XX/XX/year>, I received a letter from Chase informing me that due to unexpected activities my accounts, credit cards, and safety deposit box will all be closed in two weeks. No supporting evidence or explanation was included in the correspondence, and none were provided over the phone from Chase customer service.

After decades of banking exclusively at Chase without any incident, this capricious and arbitrary act has created profound upheaval in my financial, professional and personal lives. I have only been loyal, dedicated and responsible Chase customer. Aside from the obvious advantage and familiarity that a personal banking system provides, all my credit cards are issued by Chase, and thus the loyalty and reward programs I have worked hard to maintain are now in jeopardy. I pay all credit card balances promptly and in full every month. 

I appeal to the CFPB to urge Chase to reconsider its decision. At the very least, I would request that Chase permit me to maintain my bank-issued credit cards.

I am fully prepared to engage in transparent dialogue with Chase and to provide any additional documentation and information regarding my financial activities that could help reverse this consequential action. 

Thank you for your assistance and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On several occasions, I have asked XXXX, Transunion and XXXX to delete a bankruptcy account that was added to my credit profile in error. 

XXXX XXXX XXXX Case type : XXXX XXXX : XXXX Asset : No Vol : v Chief Judge : XXXX XXXX Date filed XXXX XX/XX/year> Date of last filing : XX/XX/year> Date terminated : XX/XX/year> I have reached out to the court. And I was informed that they do not share this information with the credit reporting agencies. I then reached out to XXXX and they informed me that the record would be deleted from my consumer report. Once I gathered this information and informed the credit reporting agencies, they stated that they researched the information. Which is not good enough. According to consumer law under 15 usc 1681i, all accounts must be verified for accuracy. In this case, it was stated both by the bankruptcy court and XXXX that proper verification was not done.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On several occasions, I have asked Equifax, XXXX and XXXX to delete a bankruptcy account that was added to my credit profile in error. 

XXXX XXXX XXXX Case type : XXXX XXXX : XXXX Asset : No Vol : v Chief Judge : XXXX XXXX XXXX XXXX XXXX XX/XX/2019 Date of last filing : XX/XX/2019 Date terminated : XX/XX/2019 I have reached out to the court. And I was informed that they do not share this information with the credit reporting agencies. I then reached out to XXXX and they informed me that the record would be deleted from my consumer report. Once I gathered this information and informed the credit reporting agencies, they stated that they researched the information. Which is not good enough. According to consumer law under 15 usc 1681i, all accounts must be verified for accuracy. In this case, it was stated both by the bankruptcy court and XXXX that proper verification was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX inaccurately reports my information and does not update my record appropriately for years. I have had no derogatory issues for many years. Also have been XXXX XXXX and they do not update my account after writing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/year> U.S. Bank sent an initial closing estimate with fees associated for a mortgage loan. The credit report fee for this estimate was {$42.00}. The estimate was revised for reasons unrelated to fees on the following dates : XX/XX/XXXX, XXXX, XXXX, and XXXX. The credit report fee changed from {$42.00} to {$42.00}, {$540.00}, {$630.00} and {$710.00} respectively. Other fees were added after the initial estimate, including a " before final inspect '' fee of {$120.00}. 

Closing on a home is obviously stressful and time sensitive with many moving parts and contracts amongst many parties. The bank understands that opposing these changes is a difficult proposition given the time crunch I am under. The idea that U.S. Bank, in the top 5 mortgage lenders in the United States, would commit to this sort of exploitative practice is appalling.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This company XXXXXXXX XXXX continues to inaccurately report my past two loans as open or unpaid. For 5 months now I have requested through all credit reporting agencies and XXXX XXXX  to fix the inaccurate information, as soon as it is fixed XXXX XXXX illegally reports as unpaid the following month. I feel they continue to do this month after month to prevent me from getting loans at a decent rate due to it negatively affecting my credit score. This is illegal and I have proof they continue to report to the credit bureaus month after month inaccurate balances to lower my credit score. Even after it is fixed they follow up with inaccurate information, this is illegal, this is fraud, this is damaging my credit! My account has been closed since XX/XX/year> and XX/XX/year> and they continue to falsely report a balance. This is fraud!

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 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: VA

Complaint narrative:
A Chime account was opened using my information without my consent. I received an email from Chime on XX/XX/XXXX and an additional email on the XXXX saying they were sending out a debit card. I called them to close the account but they had all my real information on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit Management is attempting to collect a debt that I do not owe them. It specifically says debt buyer on my credit report, which means they purchased my personal information without my consent or knowledge which is considered identity theft. 15usc 1681e ( b ) suggests i should have maximum accuracy over my credit report and the things that they are reporting. They can not provide a binding contract between myself and Midland saying I agree to do business with them or owe them anything. Them providing copies from the original creditor is not proof I owe Midland. According to the Constitution, the only way you can pay a debit is with silver and gold! Everything they are reporting does not meet the FCRA 15usc 1692 g. they have not been willing to provide me with the requested documentation. I believe that their failure to properly verify the debt is a violation of my rights under the Fair Debt Collection Practices Act. Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Midland Credit Management complies with the law. I would also like to request that Midland Credit Management be held accountable for any violations of my rights as a consumer. Statue of limitations have passed from original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Originally I asked for it to be removed from my report because of FERPA violations and privacy act of 1974 violations. However upon further research I defaulted on this loan over 13 years ago. It should only be reporting for XXXX my complete credit report Is incorrect as it says paid as agreed and current. I've never made a payment. This is destroying my life as my utilization is thru the roof. I believe XXXX  which originally was my servicer cancelled out the debt before aidvantage took over. I would have to foia financial records to be positive, but I could bet my right XXXX on it. ( Odds are more than favorable if I'm betting on my XXXX )! None the less it's been 40 days since company said they were going to respond. 43 from the day I sent it. Um Get it off. Considering how detrimental his has been to my credit, my life and family plus the willful non compliance would actually be a blessing for me. Proceed as you wish.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Last XX/XX/XXXX, I opened a case in my personal Capital One account, account number XXXX ', routing number XXXX ' to recover a bank transfer that I made last XX/XX/XXXX for {$10000.00} on an investment course to a company called XXXX XXXX XXXX XXXX that turned out to be a scam. The case is in the Federal Trade Commision FTC where the XXXX company has lost the case, the reason for opening the case in my personal Capital One account is to ask Capital One for help to recover my money, more than 5 months have passed. and Capital One has the case open and they do not give me any response to help me resolve this fraud problem, every time I call they tell me that it is under review. 

The banking institution that received the transfer is XXXX XXXX XXXX, account number XXXX ', rotuting number XXXX ', I will attach all the documents of the entire process along with the contract of the fraudulent company. 

I understand that us the clients have insurance in banks that are affiliated with the FDIC of up to {$250000.00}, where we have our money and in any case of fraud or unofficial actions that threaten our savings, it seems unfair to me that Capital One has not shown no sign of interest in helping me. 

I hope we can resolve this issue in the best way possible and that those of us affected can continue to trust leaving our money in Capital One. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: CA

Complaint narrative:
Today, I am lodging a complaint with you to report that I have fallen victim to identity theft. Upon researching how to address the fraudulent accounts on my credit report, I discovered the necessity of contacting the Federal Trade Commission ( FTC ) at https : //www.ftc.gov or visiting the FTC directly to file a report. According to the Fair Credit Reporting Act ( FCRA ) Section 605b, Credit Reporting Agencies are mandated to remove or block any accounts listed in an identity theft report. 

Attached, please find the necessary documentation to facilitate the blocking of inaccurate information currently affecting my report. Enclosed is a list of accounts/items that are not associated with me or were opened without my consent. 

As per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to block any information in a consumer 's file identified by the consumer as resulting from alleged identity theft within four business days of receipt. 

XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX and XXXX  XXXX Account Number 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 2024-03-24 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: CA

Complaint narrative:
Today, I am lodging a complaint with you to report that I have fallen victim to identity theft. Upon researching how to address the fraudulent accounts on my credit report, I discovered the necessity of contacting the Federal Trade Commission ( FTC ) at https : //www.ftc.gov or visiting the FTC directly to file a report. According to the Fair Credit Reporting Act ( FCRA ) Section 605b, Credit Reporting Agencies are mandated to remove or block any accounts listed in an identity theft report. 

Attached, please find the necessary documentation to facilitate the blocking of inaccurate information currently affecting my report. Enclosed is a list of accounts/items that are not associated with me or were opened without my consent. 

As per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to block any information in a consumer 's file identified by the consumer as resulting from alleged identity theft within four business days of receipt. 

XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX and XXXX  XXXX Account Number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Incorrect information in my credit 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