vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received two letters of denial from XXXX XXXX. Included are these two pictures. 

In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and two denial from XXXX XXXX stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX XXXX XXXX ID XXXX, Dispute case ID XXXX and XXXX. XXXX and XXXX  is blatantly punishing a victim of identity theft. XXXX and XXXX  has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX and XXXX  are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX and XXXX  have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX XXXX bank and XXXX  cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX and XXXX  now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX XXXX and XXXX  continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. Included is have I been pwned data on security breaches that further confirm identity theft from old emails. Legal : I have the right to amend this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XXXX, XXXX. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
My experience account One Main whom I've closed both accounts by paying both off recently the older account was a second mortgage that was open with the financial company XXXX and the account had been turned over to One Main or bought out I was never late the account is showing late payment it's hurting my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I started this account probably 3 and a half months ago and was having money from my paycheck put in it to save I never spent money out of the account, over 60 days ago I was informed that my account was blocked and when I called them they said the account would be closed in 60 days and I would receive a check with the remaining funds and they couldnt talk about it anymore and would hang up on me. Ive called them multiple times since then and have got hung up on every time havent received my funds and my account is still blocked. I dont have dates on my phone for the calls because my list doesnt go back that far. But there is almost 2000 $ in this account its also a Online bank and the nearest branch is in California and i live in Kansas.

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 2022-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I recently received a late payment notice from Truist Bank for my car loan. The payments are automatically sent from my online bill pay ( also with Truist ). I keep plenty of money in the account and have the payment sent to arrive by the XXXX of the month. The payments are not due until the XXXX of the month. As such, the payment should not have been late. 

I contacted Truist and explained the situation. They looked into it and advised me to stop payment on the check and pay via direct transfer. I did so. Later, they did try to deposit that check and since it had been stopped, they charged me a check return fee. 

The next month, I visited the branch on the XXXX because I was worried about the situation. They told me that the payment hadnt been receive for that month either. I know it had been sent from my bill pay to arrive by the XXXX. 

I talked with the branch manager, and was told that they are three weeks late posting payments when the check is sent from a Truist checking account to the Truist loan department. I believe this is an unfair banking practice as I am being charged late fees as well as stop payment fees. It is my understanding that financial institutions are required to post any deposits or payments within a reasonable period of time. I dont feel like three weeks is a reasonable period of time. 

Im concerned about the late fees and Im also concerned that this may adversely impact my credit.

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 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
- Have mailed several letters and filed complaints with XXXX regarding erroneous information on credit report. 
- Have requested to be provided with documentation mailed to me verifying debt and has not been provided ( XXXXXXXX XXXX XXXX ACCOUNT # XXXX ). 
- The information ( name ; dates ) regarding this account is repeatedly changed after each dispute in order to maintain its presence on my file.

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 2022-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Veem  Inc.

Complaint narrative:
Dear CFPB team, My Name is XXXX XXXX. I operate a company in US remotely from XXXX. My EIN no is XXXX. 

I have a Wallet account with Veem that my customer XXXX XXXX opened for depositing our payments. 
My account is being operated under the ID of XXXX. 

I have witnessed a fraud worth of XXXX USD. And I am seeking your help in this regard. 

Someone hacked into my Veem account and updated the withdrawal method on XXXX XXXX with an account that doesn't belong to me. I never received any email about updating of this account. Infact, when I was trying to change my account again to my regular account after the fraud, Veem allowed that too without any verification on email or SMS. I expect a responsible company like Veem to have better processes like 2 Factor Authentication ( Passwords on email as well as SMS ) to be in place even if international SMSes are expensive to send. 

Taking advantage of this loophole, someone has updated their own withdrawal method and withdrawn XXXX USD between XXXX to XXXX XXXX. I have been struggling to login to my account for a week now and finally, when I was able to get in, I could see all my money gone to my despair. 

This is a very large Sum for a small business like us and I hope the team can help and restore this money immediately in our account. 

Also, below are my observations : 1. What verification are in place in case of Veem when someone initiates money transfer? For instance, on my XXXX account, I have to submit a One time password received on phone as and when I transfer any money to anyone. This password expires within 60 secs. Does Veem follow those stringent protocols? Shouldnt they be doing that. 

2. Infact, apart from hacking my account fraudster also asked for a XXXX credit on my account. And I was been called on one of the days to be verified, whether I applied for credit or not?. Shouldn't there be similar verification when the principal account for withdrawal is changed? At least an automated one? Just because its my money, should Veem be allowed to be careless. They definitely have processes in place for offering credit ( Which was effective and I denied applying ). Shouldnt they care equally about my money. 

3. XXXX USD is more than 50 % of our total working capital or us as a small company. What are my rights? Am I protected with any insurance? What about the loss of working capital and hence loss of business opportunity due to negligence on part of Veem? Would there be temporary restoration of credit. How can the impact be minimized to my firm. 

I have reached out to Veem with similar complaint but haven't received a response yet. I am reaching out to CFPB in parallel. I hope someone from your side with intervene and expedite the resolution.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I received an active credit card from Bank of America without my permission. I never opened an account with them. I called the Fraud Team at XXXX XXXX XXXX XXXX and they supposedly started a fraud claim.

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 2022-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2022 I received a text message from BOA asking if I had made a charge to XXXX for {$430.00}. I did not so I answered no, the next text said I would receive a call from BOA. A gentlemen called using the name XXXX XXXX from a spoofed BOA number that was Verified by XXXX XXXX, he claimed to be a BOA employee. He said the purchase to XXXX was made in Texas and I said I was in IL. then he said someone by the name of XXXX was trying to process {$3500.00} in XXXX transfers from my account. He said he could walk me through reversing the transfers. He asked that I create an account using my middle name and the first three letters of my last name and he would give me a transaction number,. Of course now I realize that translation number was a phone number. He had me transfer {$1700.00} from my checking and the remaining {$1700.00} from my savings. He tried to take more but it would not go through. He also said he would call back the next night in case the person was trying to take more. the next night his number came in as the BOA customer service number and I did not answer. I believe for him to know I was a BOA account holder and my phone number there had to have been a bank data breech,. BOA will not do anything to return my money since they feel they did not make an error, but between BOA, XXXX and XXXX the bank where my money was transferred to, there has to be an error in this entire process. Of course now I have received multiple emails from BOA talking about this zelle scam, where have they been to protect their customers prior to now. I don't use XXXX so didn't know how easy it was to send money or how there is nothing to reverse it. If you are not going to protect your customers then why are you offering it as a service., also BOA says to call when this happens and I have not had a wait time less than one and a half hours to talk to a BOA rep most of us do not have this time to spend. I have many notifications on my BOA account because I have a business account linked to it, so it is not unusual to have then contact me about a purchase, plus with a business account and I am more likely to do whatever I can to prevent a fraud purchase. I do not feel that BOA has protected my money for the fees I pay them and for almost 10 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 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I have attempted to reach out to this company on several occasions each month since XX/XX/2021 I was subject to an approved Covid forbearance period as I was impacted by Covid due to loss of employment. After the Covid relief expiration I completed the application process for loss mitigation. They continuously state they dont have my application coded and or being received despite multiple emails sent attaching the application & several calls to ascertain its standing. Upon calling this company they dismiss my complaint and or terminate the line. I called them back and representatives are unprofessional and I am unable to successfully satisfy any communication concerns via phone with this company. I have several emails asking for their support and their due diligence in addressing and mitigating the loan issues and they have not been helpful!

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 2022-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
I spoke with a person named XXXX on XX/XX/22 to make arrangements to settle mine and my husbands combined medical debt. My balance was approximately {$1800.00}. I don't remember the exact amount. We agreed on around {$1400.00}. I told her I could pay XXXX on XX/XX/22 and that I could pay the remainder {$200.00} ( and something ) on XX/XX/22. She explained that the agreement was good until XX/XX/22. I paid the {$1200.00} on XX/XX/22. When I called back on XX/XX/22 to pay the balance of the agreed upon settlement, she said that I would have to pay the full amount because I didn't pay the agreed amount in full on XX/XX/22. I argued about this since she's the one that made me an offer that would expire on XX/XX/22. Her explanation was that she was sorry but she was new and didn't know better and could not honor the agreement. My husband is XXXX and we have several medical debts that we have been trying very hard to pay off. I would have paid off several smaller debts with the {$1200.00} and just paid them monthly payments if I had known they were going to do this. Or waited until XX/XX/22 when I would have had the full agreed upon amount. I don't understand how they can do this to people.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
Consumer XXXX XXXX XXXX, as shown in Attachment of this complaint '', received a form from the Company alleging that Consumer owed a debt. Company violated 15 USC 1692c ( a ) - Communication in connection with debt collection. Defendant violated this code because it states in this subchapter : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Consumer did not give prior consent to company to communicate with him about any debt. Company did not receive express permission of a court of competent jurisdiction to contact Consumer about any debt. Company also violated 15 USC 1692j ( a ) - Furnishing certain deceptive forms. Company violated this code because it states in this subchapter : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company form that was received by Consumer is defined as a deceptive form as described in this subchapter because the said form created the false belief in the Consumer that a person is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company finally violated 15 USC 1692e ( 14 ). Defendant violated this code because it states in this subchapter : The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. As shown in Attachment of this complaint '', company form clearly shows the name of XXXX XXXX organization, which according to this subchapter is not the true name of the debt collectors business, company, or organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
- Have mailed several letters and filed complaints with XXXX regarding erroneous information on credit report. 
- Have requested to be provided with documentation mailed to me verifying debt and has not been provided ( XXXX XXXX XXXX ACCOUNT # XXXX ). 
- The information ( name ; dates ) regarding this account is repeatedly changed after each dispute in order to maintain its presence on my file.

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 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2022 I deposited my payroll paycheck into my local TD bank ATM. The ATM said in XXXX Business days funds would be available. Today XX/XX/XXXX I tried withdrawing funds only to be denied with a message that said insufficient funds. I then went into the TD bank and spoke to a XXXX and I was told there is a 6 day hold on my payroll paycheck. I work to hard for my paycheck to be held. I want to file a claim and recover my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation