vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Truist is holding my check for no reason. I deposited a printed check in the amount of {$1300.00} after my account was 90 days old, the check got put on an administrative hold which means someone physically put a hold on it it wasnt the system. The bank refuses to credit my account temporarily in the mean time and they will not give me any information regarding my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I would like someone from Equifax to contact me who can freeze a minor 's credit or verify a minor 's credit has been frozen. Your company has refused to freeze my minor son 's credit, and I am at the point of lodging complaints with the XXXX, my state 's attorney General, my state 's consumer protection division, the Department of Justice ( as it is federal law you are breaking ), the Federal Trade Commision, a private lawyer, and the Federal Consumer of Financial Protection Bureau simply to get a response from your company. 


I have submitted all necessary documentation multiple ( up to 5 ) times since I have been trying since XX/XX/2022 to get my minor son 's credit file frozen, and you have refused to do so. The first time I mailed in all necessary documents, I received no response from you at all. I have called you at least four times, minimum, and no one has been able to answer any questions over the phone or direct me to anyone who can help. I have mailed and faxed you all necessary documents five times and only receive form letters back telling me they can not find the file or asking me submit the exact same documents I just did. ( I have had multiple people check the documents I have sent against the form letters. ) I have also faxed you at least two times and emailed explaining the situation and asking for someone to call me back and have received no response. 

At this time, I have no idea whether you have created a file for my minor son that is not frozen and puts him at risk of identity theft, or if he has a frozen file with an incorrect address ( that he has never lived at ) that puts him at risk of identity theft with documents sent to someone else, if he has a frozen file with a correct address, or if he has no file and no freeze that puts him at risk of identity theft. 

In summary - you refuse to freeze my minor son 's credit according to the federal law. You will not answer my questions by phone, mail, or fax. You are breaking federal law, and I need someone to contact me to resolve this immediately. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA HAS GIVING ME NOTHING BUT PROBLEMS ... IT TOOK ME OVER A YEAR FOR THEM TO GIVE ME THE PROPER AMOUNTS FROM MY EDD PAYMENTS .... I HAVE CONTACTED THEM ALMOST ON A DAILY BASIS IN 2021 ... THEY FINALLY CFREDIT MY ACCOUNT BUT WITHHELD TWO CLAIMS AND ARE STILL DOING SO ... THE AMOUNTS ARE ROUGHLY {$4600.00} AND {$6000.00} THOSE AMOUNTS WERE PART OF THE ENTIRE CLAIM WHICH THEY FINALLY APPROVED I DO BELIEVE IF I HAD NOT BEEN STEAD FAST THAT THEY WOULD HAVE NOT GIVING ME ANY OF MONIES. 
PLEASE HELP ME I LOST MY PLACE WHERE I LIVED DUE TO THAT WHOLE ORDEAL THAT THEY UNECARRILY PUT ME THRU WITHOUT ANY MERIT ON THERE PART. THEY ALSO WOULD EXCEED THEIR TIME LIMITS AND VIOLATE THEIR OWN BY LAWS WITHOUT EXPLANATION OR ANY PROPER DOCUMENTATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13 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: NJ

Complaint narrative:
on XXXX I sent my dispute and none of the information was removed from my reports. in accordance with the fair credit reporting act the accounts i have provided violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A. States I have the right to privacy 15usc 1681 section 604 A section 2 : Also states a reporting agency can not furnish a account without my written instructions.

15 USC 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 crime which antedates the report by more than XXXX years. 

15 USC 1681s-29 ( A ) ( 1 ) AQ 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. 

Per the FCRA you had 30 days to conduct a reasonable investigation. Clearly you have failed to delete the disputed information. how just sending a response back as verified is valid is ridiculous. I would like to see the contract for each account verifying my signature. and information how you came to this conclusion. you're breaking my consumer rights and i want these accounts removed immediately. additionally, as per the FCRA you are liable to me for damages for your conduct. Thus, in addition to the deletion of the disputed information you are commanded to send a check in the amount of {$1000.00} per violation made payable to the order of XXXX XXXX. Be advised this IS NOT another dispute or opportunity for reinvestigation of the previous dispute. The allowable period to conduct such reinvestigation has expired and shall not be extended by law within 14 days delete the disputed information requested send an updated copy of my consumer file, and send me the {$1000.00} check per violation to my address XXXX XXXX XXXX XXXX, New Jersey XXXX 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 2022-12-13 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: NJ

Complaint narrative:
on XXXX I sent my dispute and none of the information was removed from my reports. in accordance with the fair credit reporting act the accounts i have provided violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A. States I have the right to privacy 15usc 1681 section 604 A section 2 : Also states a reporting agency can not furnish a account without my written instructions.

15 USC 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 crime which antedates the report by more than XXXX years. 

15 USC 1681s-29 ( A ) ( 1 ) AQ 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. 

Per the FCRA you had 30 days to conduct a reasonable investigation. Clearly you have failed to delete the disputed information. how just sending a response back as verified is valid is ridiculous. I would like to see the contract for each account verifying my signature. and information how you came to this conclusion. you're breaking my consumer rights and i want these accounts removed immediately. additionally, as per the FCRA you are liable to me for damages for your conduct. Thus, in addition to the deletion of the disputed information you are commanded to send a check in the amount of {$1000.00} per violation made payable to the order of XXXX XXXX. Be advised this IS NOT another dispute or opportunity for reinvestigation of the previous dispute. The allowable period to conduct such reinvestigation has expired and shall not be extended by law within 14 days delete the disputed information requested send an updated copy of my consumer file, and send me the {$1000.00} check per violation to my address XXXX XXXX XXXX XXXX, New Jersey XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent {$2000.00} to myself through XXXX to my acct in XXXX XXXX. I chatted with XXXX to let them know I had noticed a mistake in the bank acct number. They stated the money had been delivered yet it was not showing in my account in the XXXX XXXX. I have already contacted both compliance departments at XXXX XXXX XXXX and XXXX which I spoke to the head of the money transmissions division who couldn't find the transaction registered on his system either with my name or my phone number. He told me to tell XXXX to contact him directly ( which they didn't do ). When I first contacted XXXX to present the claim, the stated they would escalate to the escalation team which would reach and let me know of the status. Every time I have called, I receive the same answer and nobody calls me back. MY previous 2 caslls I spoke to supervisor XXXX who told he would call me back by the end of the day but never did either. I am still waiting on an answer from anyone at XXXX. There is also misleading information since the XXXX  system states the funds were delivered yet the money is not yet available ( images uploaded ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
OneMain Financial failed to update the payment due on the second Wednesday of each month as previously approved causing my checking account to be overdrawn. 

On XX/XX/2022, OneMain records show a payment made on the second Wednesday. 

On XX/XX/2022, OneMain presented the payment which previously was approved to collect on the second Wednesday of each month. 

On Monday, XX/XX/2022, I called the Office saying not to present the payment until Wednesday, but OneMain intentionally claimed to be paid on XX/XX/2022, causing overdrawing of the account. 

Such abusive treatment is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: NC

Complaint narrative:
Teller at this location is not trustworthy. 
My Debit card number was stolen. 
I use this Debit card only for withdrawals at this Bank location. 
The Debit card number was stolen and misused. 

Truist Complaint 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 explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
XXXX of XXXX, and XXXX of XXXX ( possibly XXXX in usa as I am in XXXX at the moment ) I have tried to make international transfers which were denied because of pnc trying to call a phone number that was not in service which is not linked to my bank accounts and has not ever been. 

Another transfer was attempted, then put on hold for further information needed, information was given, and I was never given a response confirming the transaction and I was contacted by my friend this week that the transaction was successful despite me not being notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: FL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Facing financial hardship company is harassing me with calls and late fees according to law. I'm also sending my complaints to attorney general. From XX/XX/2022 until XX/XX/2022 I've been receiving harassing calls everyday from different numbers. According to 15 USC 1692d ( 1 ) Harrassment or Abuse. It does not matter if you owe an alleged debt that car is now my personal property! Company Ally Bank XXXX ( XXXX ) XXXX account # XXXX car vin : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-13 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: Self Financial Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act SELFXXXX XXXX account number:XXXX has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT IS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACOUNT INFORMATION WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: Commercial Acceptance Company
State: GA

Complaint narrative:
Commercial Acceptance reporting on my credit Report a bill that has already been paid or satified. I disputed it twice. Now will dispute again and provide them a copy of the paid bill from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
XXXX XXXX XXXX began using PayPal on XX/XX/2022 to accept payments from our clients ( small businesses ) to provide an online cybersecurity consulting service. Our clients, through our platform take a cybersecurity gap assessment which consists of ( XXXX ) domains and ( XXXX ) controls. The client interacts with our cyber experts ( virtual sessions ) during the process to complete their gap assessment and receive a cybersecurity pathway ( document, with questions and responses ) and how to close their cyber gaps for the fee of {$1000.00}. Since the account was set up, we have had ( XXXX ) companies and ( XXXX ) test run using PayPal. Our first client paid on XX/XX/2022 and the last client paid on XX/XX/2022. Which we have not been able to transfer and of funds. We had ( XXXX ) calls with Paypal customer service. During the first conversation they stated since the account was new, they needed to hold the funds for a period of time. Then without any notification they asked for screen shots, banking information, and personal information on the company owner to validate the legitimacy of the company. We complied and still not release of the funds. On XX/XX/2022 we spoke with a XXXX ( XXXX ) who said the account seemed to have what it needed and escalate it to his back office. It may take ( XXXX ) day for a resolution. XXXX has not released any of our funds. 




Sorry, something's not right. Please try again later. 
Go Back MESSAGE : 1 After a review, we've decided to permanently limit your account due to potential risk. Youll not be able to conduct any further business using PayPal MESSAGE 2 : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

MESSAGE XXXX : Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. This will apply to all existing and future cases you receive. 

FINAL MESSAGE : Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I lost my debit card and found lots of fraud transections on my account. I called the capital one customer service phone number immediately. The capital one customer service automatic phone system said their office is closed and asked me to call back during regular business hours. I contacted them during business hours to set up a fraud claim. The customer service agent mistakenly set up two separate claims for this incident. I got the email confirmation for the claim on XX/XX/2022. Claim numbers were XXXX and XXXX. On XX/XX/2022, I got email from capital one saying that they denied my claim. I called them about the claim on XX/XX/2022, and they told me since it was chip enabled transections, capital one is unable to retrieve funds from the atm. They said they are sorry about this but they are unable to retrieve my funds back for this fraudulent activity on my account. I asked the customer service agent about their 0 fraud liability policy and he said the only thing he can do is to file a compliant. They give me a compliant number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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