vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
I started to try and close my account on XX/XX/22 by sending a secure email via Axos online Business secure message portal. I received a response telling me I need to complete a transfer or a wire. There is no where on the website where these actions can be performed so I called. Each time I am redirected to phone representatives who tell me I have to use the secure message portal. When I explain the problem with the portal I am told someone will send me a message and no one ever does. I am at my wits end and can not access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
This company is terrible. Besides having a security breach which resulted in millions of files being released and a class action lawsuit, and having lawsuits against them from the government for deceptive practices, they have the XXXX customer service. XXXX XXXX XXXX XXXX and we discovered that XXXX of his bank accounts which we didn't know about was being cleared out by crooks. We resolved that issue and got the money back. The bank suggested we run a credit report on him to discover any other unknown accounts. I did exactly as the XXXX credit unions require, supplying a death certificate and XXXXXXXX XXXX XXXX proof of me being executor. I received a credit report from XXXX, am awaiting XXXX from XXXX and have just spent the last XXXXXXXX XXXX on the phone with TransUnion who had written me on XX/XX/2022 that I did not provide the documents. ( XXXX ) XXXX time I called, I went through the whole computer verification process only to be told the offices are closed. Okay, why not start with that before spending XXXX XXXX going through verification. ( XXXX ) Called back the XXXX XXXX the representative did find the documents on the system and said she was transferring me to the proper department and then hung up on me. ( XXXX ) Called back again and XXXX representative started off by saying the department is closed. I asked their XXXX and after clicking through a bunch of screens she said until XXXX XXXX. I pointed out that it was only XXXX XXXX at that time. So she changed the story and said they close at XXXX XXXX. Called back XXXX agent says the department is open until XXXXXXXX XXXX XXXXXXXX and transfers me. The guy there says they can't see the seal from the XXXXXXXX XXXX XXXX on the copy I sent. Huh, it's embossed and doesn't come out on a copy. There were no requirements about seeing the seal and apparently the letters were sufficient for their competitors. I'm not about to send them an original. He transferred me to another department, I was on hold with music for XXXX XXXX and now the music has stopped and XXXX XXXX later the call hung up. I'm convinced they send people to a dead line and eventually people hang up. This company should be put out of business.

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 2022-12-23 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: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$19000.00}.

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 explanation
Consumer complaint received 2022-12-22 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: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
see attached. Alleged debt from XXXX, is being attempted to be collected from XXXX collections and now Maury Cobb attorney at law LLC XXXX Have no financial liability to NONE of these companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: SC

Complaint narrative:
After submitting information that needs investigating I found that my credit scores are significantly lower, and because of one of the same accounts that I'm having a problem with. Every credit agency now has me in the low 600s. I was heading toward the mid 600s ... this is really discouraging!!! I definitely need this to stop and my scores to show back above the 630s. Thank you all in advance for your help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In pursuant to 15 U.S. Code 1692c I have told Capital one on numerous phone calls to NOT CALL ME while I am at work. I am not allowed to take phone calls at work. I receive text messages relating an alleged debt which I do not consent to as I am not allowed to text while I am at work and they also contact me at inconvenient times. I have told them to not call me while I am at work but they do not listen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 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: NC

Complaint narrative:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 2022-12-22 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: NC

Complaint narrative:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 2022-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Made a payment on the account for XXXX XXXX of {$700.00} on XX/XX/2022, payment immediately cleared my bank, now 15 DAYS later the business is still holding this payment against my available credit. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth Third is reporting a late payment on my credit report while actively in a bankruptcy XXXX XXXX  this is illegal and goes against the Bankruptcy code XXXX and I have never been late on any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2021 the IRS deposited my XXXX XXXX XXXX to the wrong checking account. I did not provide the account number to the IRS that was used to send the money to. The IRS previously deposited my first XXXX to the correct account. I requested the IRS research my payment because I never received it, and they provided me with an account number for a checking account at USAA that I am not a signer on and do not have ownership of. I contacted USAA to have them research the payment and provided them the account number to which the payment was deposited via the XXXX clearinghouse network. USAA confirmed that I am not a signer or owner of the account and that the payment was credited to this account ( account # XXXX ). USAA initiated a formal internal investigation and despite knowing that the payment was credited to the incorrect account, responded to me with a letter saying they were unable to correct the error. XXXX rules of XXXX transactions require that the sender include the name of the beneficiary. Even though the receiving institution is not required to manually verify the name at the time of posting, when USAA was investigating my dispute, they should be able to see that the payment is for my benefit and that my name is attached to it, as well as being able to see that I am not associated with the account the payment was deposited to. USAA however refuses to correct this error and credit my account in accordance with the XXXX rules and the original intent of the credit request from the IRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Santander bank is stating I need to go into a physical bank branch to reclaim my checking account and access to my funds. I signed up for the account in XXXX via an online registration with my Illinois address. I have used an Illinois address the entirety of my account being active. There has never been a Santander bank branches in XXXX the closest bank branch is in Pennsylvania XXXX It is extremely unreasonable for me to have to travel across the country to go into a bank branch considering they know I have always lived in Illinois. I would like access to my funds by ether having a paper check mailed to my home address onfile, or electronic access to transfer my funds to another bank I account I have. I am unable to pay my bills and meet my financial obligations due to not having access to my money. 

The issue stems from how my XXXX account was comprised from XX/XX/XXXX to XX/XX/XXXX. Over XXXX transactions were made using XXXX which was connected to my Santander checking account. I reached out to Santander via phone call XX/XX/XXXX and started the process of resolving the fraud. I spoke to someone on the fraud team and they assured me my account would be restricting any activities from paypal and not to worry that my actual account would still be open. On XX/XX/XXXX I called Santander again because I noticed they only opened disputes for XXXX of the XXXX fraudulent transactions I relayed previously. The Fraud agent apologized and assured me they would be opening cases for the remaining transactions. On XX/XX/XXXX, after noticing they did not open disputes on the remaining of the XXXX transactions I spoke to a manager in the fraud department and was told they would need to close down my account, and restrict all access until I came into a branch to verify myself. I advised them that I live very far away from a branch and that would not be a reasonable request. They apologized and said I should not have had been allowed to be a customer since I did not have a branch in my state. 
Since then I have reached out numerous times to their support line about how to access my funds without going to a physical branch but there has been no resolution.

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 2022-12-22 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: OH

Complaint narrative:
In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX has violated my rights. 

XXXX XXXX has been reporting inaccurate information about my sercured credit card with XXXX max limit. 

As of XX/XX/2022, the account was reported not in good standing with XXXX XXXX. 

The account also reported imits as high as XXXX XXXX. However, This is a sercured XXXX limit credit card. 

XXXX XXXX XXXX also did unauthorized had inquiries.As a XXXX XXXX  member.Im able to shop products with no harm to credit profile.This information is publicly known. 


Resolution : Remove any and all negative remarks off credit report immediately Remove all XXXX XXXX inquiries Report accurate information regarding the account going forward

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 2022-12-22 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: OH

Complaint narrative:
In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX has violated my rights. 

XXXX XXXX has been reporting inaccurate information about my sercured credit card with XXXX max limit. 

As of XX/XX/2022, the account was reported not in good standing with XXXX XXXX. 

The account also reported imits as high as XXXX XXXX. However, This is a sercured XXXX limit credit card. 

XXXX XXXX XXXX also did unauthorized had XXXXnquiries.As a XXXX XXXX  member.Im able to shop products with no harm to credit profile.This information is publicly known. 


Resolution : Remove any and all negative remarks off credit report immediately Remove all XXXX XXXX inquiries Report accurate information regarding the account going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: CT

Complaint narrative:
I received an offer to apply for a credit card with Avant through XXXX XXXX, an approval guarantee was offered in amount of {$50.00} by XXXX XXXX, application denied. Avant claims reason for denial is due to past account which was charged off, however, they have not sent me notice of decline which XXXX XXXX needs to process their guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I the consumer XXXX XXXX entered into a consumer credit transaction with TD Auto Finance on XX/XX/2022. The consumer credit transaction involved a finance charge. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but TD Auto Finance took cash. The finance charge is also suppose to include insurance. But TD Auto Finance made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: U.S. BANCORP
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report with XXXX and XXXX XXXX XXXX, it has been well over 30 days and I haven't received any investigation results.

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 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist bank has been the most unfortunate and deceiving bank I have ever worked with. 
They allowed over {$3500.00} of unauthorized charges to be made on my card and after opening and disputing the charges they are telling me they will need up until XX/XX/XXXX to determine my claims. I opened this claim with XXXX XX/XX/XXXX when I initially noticed the charges. The next day, XX/XX/XXXX I get an electronic mail stating that they are only going to investigate half of the claims ( totaling {$1600.00} ) because they found no error in the other charges despite the transactions being made around the same time using the same chip card. I even let them know that I filed a police report regarding the unauthorized transactions since it was over {$3000.00} stolen and provided copy of the police report filed. The worst part is dealing with the Fraud dispute department, they lack any kind of sympathy and urgency to their customer 's especially with the situation of fraud. In those three weeks from XX/XX/XXXX i didnt get any type of follow up from Truist or even confirmation that my documents were received, it wasnt until I contacted them today that I was told they started looking into my case today. Thats what prompted me to even file this complaint. I greatly regret ever opening an account with this bank. 
I I'll never do any type of business with this bank even if my life depended on it.I am so disappointed with the way that Trust is choosing to handle this situation especially in a time like this. It is 3 days until XXXX and my account is overdraft and I have no clue what else to do. After this case of finished I will definitely be closing my account with this bank. 

( Claim No : 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 explanation
Consumer complaint received 2022-12-23 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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