vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX I mistakenly sent a credit card ( # XXXX ) ACH overpayment of {$130000.00} from my checking account from financial institution XXXX to Bank of America ( XXXX ). Our intent was to pay off the balance. 

The bank continues to mispresent what the process is for returning this overpayment and by when. We have had several representatives tell us misinformation about escalation and indicate that someone would call us and never have. 

Bank of America is treating this electronic ACH transaction as a paper check transaction and is unlawfully holding my funding stating that they are waiting to see if the item gets returned. 

We have spoken to the FI on XX/XX/XXXX where the payment was pulled and they said the money has been transferred to Bank of America and there are no issues holding up funds. 

These funds are critical for the small business account that this payment originated. Holding on to this is impacting the long-term viability of this business. 

We have sent faxes and spoke with many reps and some with the ids of : XXXXXXXX XXXX 

This is an urgent matter to resolve. 

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 monetary relief
Consumer complaint received 2023-03-06 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: OK

Complaint narrative:
My student loan from the Department of Education is still open, although I was awarded XXXX and XXXX XXXX. Because I am a percent XXXX Veteran. The account should be closed

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 2023-03-06 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: OK

Complaint narrative:
My student loan from the Department of Education is still open, although I was awarded XXXX and XXXX XXXX. Because I am a percent XXXX Veteran. The account should be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My student loan from the Department of Education is still open, although I was awarded XXXX and XXXX XXXX. Because I am a percent XXXX Veteran. The account should be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: IL

Complaint narrative:
I NEVER GAVE MY WRITTEN CONSENT TO PULL MY CREDIT FROM THE LIST PROVIDED BLOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: IL

Complaint narrative:
I NEVER GAVE MY WRITTEN CONSENT TO PULL MY CREDIT FROM THE LIST PROVIDED BLOW. 

XXXXXXXX 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 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Usaa has reported me to XXXX XXXX XXXX for an account I didnt opened I lost the dispute with the bank and they sent debt and made it to where I cant get a bank account for the next 5 years I didnt do this and want it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Company- Chystler Capital XXXX-late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code & 1681a- Definition ; rules of construction ] U.S. Code ] US Law ] LII / Legal Information Institute 15 U.S Code & 1681s-2 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 actualknowledge of errors 15 USC & 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report ' does not include- ( A ) subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 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: TX

Complaint narrative:
On XX/XX/, I sent a certified letter to Equifax via USPS ( Tracking # XXXX ). The letter was received on XXXX XXXX XXXX  per USPS. The letter is attached. In the letter, I inquired about unauthorized hard inquiries to my report. The letter included all of my identifying information, as well as the specific hard inquiries in question. The letter cited section 609 of the Fair Credit Reporting Act, requesting all documentation and information in my file of the time of the request and the source of the information around the inquiries I asked about. The inquiries do not have permissible purpose, nor did I authorize the inquiries. Additionally, the letter requested that, if Equifax was unable to provide the documentation regarding the inquiries, Equifax should remove the inquiries from my report. On XX/XX/, Equifax sent the standard letter regarding an opened dispute. For each company I requested information regarding the inquiries. With each hard inquiry in question, they stated the following for " Status '' : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' The letter did not contain any accompanying information regarding the specific inquiries as requested. Additionally, I did not open a formal dispute with Equifax, I simply requested the information and documentation regarding the hard inquiries, including, but not limited to, documentation showing that I authorized these hard inquiries. And if they could not produce the documentation, they should remove the hard inquiries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The ending of XXXX XXXX XXXX has notified me that credit accounts were being opened under my information and affecting my credit score. 
Starting since, XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Capital One XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Target card was closed by company and discharged in bankruptcy. The target company continues to place target on my credit report after being told by my atty through bankruptcy court it was resolved. They have continued posting it a an open active account although it was resolved in bankruptcy court back XXXX XXXX This matter has created Iireparable damage to my reputation and has created survive hardship. Im a XXXX XXXX veteran battling XXXX XXXX and would like to move forward for this obvious fraud on the part of Target by TD bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I currently was a victim of a scam and fraud and when I called my bank ( Wells Fargo ) to report the transactions and protect my accounts they were negligent and only changed my online banking log in and pretty much blamed me. They asked that I send more information and I did but they did not respond and then said that because I didnt send it they would not get my money. This all started XX/XX/XXXX of this year and they have done nothing to help me. I asked them to freeze my account and stop checks from being deposited while they were pending but they still let it all go through. When I call to give more information they dont answer or allow me to so I send them emails and they do not respond. There were checks deposited to my accounts that I did not deposit. Two checks of {$1500.00} and when I asked to stop them they did nothing and let them go through. Then when I was getting threatening messages to hurt me and my family if I didnt return the money so I did my best to return it but the checks bounced so now they blame it all on me. I sent that money back because of their negligence to help me when I needed it and now they are not helping me. They told me to just change my phone number and that was it. I also filed a police report and havent heard back since.

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 2023-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
Today ( XX/XX/XXXX ) myself, as well as every person who has ever lived in my house ( 5 people, 4 of which no longer live here ) received a call from a hidden number from someone claiming to be XXXX with the XXXX Division stating they are in route to serve me with court documents requiring my signature. They reference a case number XXXX and a phone number XXXX to contact for questions or rescheduling. She continues to say that failure to respond will result in failure to appear in court. my entire family is concerned so I call the number only to find out from a XXXX XXXX that its a " lawfirm '' that are trying to recover XXXX plus for a debt that dates back to XXXX. He claimed the original creditor was HSBC, which is odd to me, since I have never had an account with HSBC. Without me telling him anything, he gave me my full legal name, my wife 's name, my address and the last 4 of my social. Then continued to inform me that they are taking me to court to put a lien against my home and to report it on my credit. SC has a statue of limitation on consumer debt of 3 years, and only allows up-to one year to file suit. So I feel like all of this is both illegal and immoral. They contacted my entire family! I don't owe any one anything, so this has got to be a scam, or debt collection at its worst. No one ever showed up to serve me papers by the way...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/ : Received a voicemail from XXXX XXXX XXXX Fraud Department ( XXXX ) XXXX stating call was in regards to a recent financial request that was received in my name and to return the call at ( XXXX ) XXXX. 

Immediately, I logged into my XXXX XXXX  and Experian accounts : The following information was posted on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High XXXX XXXX XXXX  got a copy of your Experian Credit Report. 

XXXX XXXX XXXXXXXX made a Bank/Credit Card Inquiry by checking your Experian Credit File . When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Alert Details Source Experian Company XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian as well to report the inquiry is not mine/identity theft. They both confirmed to me that no account has been opened as of today.They are both working on disputing/resolving the inquiry. In the mean time I did set up fraud alerts through my credit bureau for further protection in monitoring in future identity theft.

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 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
On Monday XX/XX/2023 at XXXX I began to receive repeated text messages from multiple numbers. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. 12 text messages in total! The texts read XXXX A notice from Wakefield and Associates, a debt collector. Password is 5 digit zip code. Reply HELP for info or STOP to end. 
I have been instructed to never reply to these type messages as this only provides them with notification to continue the harassment. 
I have NOT received any type of notification from Wakefield and Associates identifying any creditors who I am supposed to owe. I have no ideal what this is all about. 
I have printed the messages and forwarded them to my attorney to see what legal action to pursue against this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 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 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX Citibank Preferred Mastercard ( ending in XXXX ) cancelled. 
XX/XX/XXXX {$10000.00} deposited in Citibank ( XXXX XXXX XXXX, XXXX XXXX, CA ). 
XX/XX/XXXX Used credit cards, told card was delicined, called bank, told account had funds. Told Citibank Master card was cancelled and that automatically forfits my Thank You Points ( XXXX, XXXX ). 
Told that credit card would be reinstated. 
Card never reinstated. Wrote to Citi Card Customer Service po box XXXXXXXX XXXX XXXX XXXXXXXX multiple times in XX/XX/XXXX, again in XXXX and again in XXXX. Told by cusomter service I would get Thank You points back and they saw error that card canceled same day deposit was made. Then told card could " not '' be reinstated. Sent over 12+ letters, made multiple phone calls, left messages, spoke with numerous Citi Bank people who escalated this, never got call back. Balance at Citibank mantained same as in XXXX, sent one final letter XX/XX/XXXX, no reponse. I am XXXX XXXX XXXX, COVID lockdown in CA was going on XX/XX/XXXX - told that I would get my hard earned Thank You points back ( {$700.00} value ). Branch manager verified that Citibank credit card made the mistake, and I was told my card would be re-instated and encouraged me to persue this. She told me bank is seperate from credit card so I belive I have done everyting possible and I am sill NOT happy and need to have my Thank You points given back to me. That is why I had that credit card and what they did to me is elder abuse. I would like your help. 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 explanation
Consumer complaint received 2023-03-06 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: CA

Complaint narrative:
Dear : Experian, XXXX XXXX XXXX This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

1. XXXX XXXX XXXX : # XXXX 2. XXXX XXXX XXXX  : # XXXX 3. XXXX XXXX : # XXXX 4. XXXX XXXX XXXXXXXX 5. INQUIRY : XXXX XXXX XX/XX/2021 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

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 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I received a mail on XX/XX/23 about a past due amount of XXXX to XXXX XXXX XXXX, after calling the debt collector online information services it was found that this account was fraudulent as the service address is not an address I have ever been associated with. 
I then called XXXX XXXX XXXX, and stayed the same to them. the customer service agent then directed me to fill out this report.

Company response to consumer: Closed with non-monetary relief