vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Great Grandfather started a trust fund/XXXX  Account with XXXX XXXX for me to collect when I turned the age of XXXX. Once I turned XXXX, I had the funds in my XXXX account sent to me through a check on XX/XX/XXXX. I deposited that check through Suntust mobile deposit on XX/XX/XXXX. Shortly after, I found out Suntrust put my bank account on hold and held my check for suspected fraudulent activity.
I was instructed by Branch Manager of the XXXX XXXX Ga XXXX XXXX XXXX XXXX, to go through XXXX XXXX XXXX to prove the check was not fraudulent and once proven I would receive my funds. After going through the process of proving the legitimacy of the funds with XXXX XXXX XXXX and having all fraudulent activity and history removed from my Suntrust account I still did not receive my funds. After many months of unhelpful back and forth between XXXX XXXX, XXXX XXXX, and myself, XXXX XXXX refused to contact myself or XXXX XXXX or answer any calls from XXXX XXXX. 
After contacting SunTrust customer service, on XX/XX/XXXX, and speaking with a representative by the name of XXXX XXXX they told me that they could not help me but recommended I speak with a different branch manager. 
On XX/XX/XXXX, I spoke with Branch Manager, XXXX XXXX XXXX of the XXXX XXXX in XXXX GA XXXX He stated that I had sufficiently proven the check was not fraudulent but Suntrust refuses to realese my funds to me unless XXXX XXXX agrees to issue a Hold Harmless Letter. After XXXX XXXX  manager, XXXX XXXX, spoke with XXXX XXXX regarding the situation ; she explained that XXXX can not legally issue this type of letter for this situation.

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 2022-03-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ON XX/XX/2022, I requested for TransUnion to verify the Chapter XXXX bankruptcy listed on my consumer report. I stated that they should verify or remove this account if they are unable to verify it. I also requested for an original contract with my name on it showing that this account is indeed mine. On XX/XX/2022, TransUnion sent me a letter stating that they verified this account with the " data furnisher '' and then provided the contact information for that furnisher. 
On XX/XX/2022, I sent off a letter to the " data furnisher '' that TransUnion has claimed verified the account as accurate; on XX/XX/2022, they sent off a response and said that they DO NOT report information directly to the " credit bureaus ''. 

TransUnion is in DIRECT violation of the FCRA. This is even shows willful noncompliance as TransUnion blatantly lied about were they obtained verification from. This failure of TransUnion to abide by the FCRA, has not only caused me embarrassment, but it has also hurt my ability to successfully obtain a home for my family and I. TransUnion, has failed to exercise their GRAVE responsibility to maintain accurate reporting of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27 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: OH

Complaint narrative:
I recently received a copy of my Transunion, XXXX, and XXXX credit report and I noticed some inaccurate information posted on my consumer report regarding late payments. 

XXXX XXXX XXXX  XXXX ( 6 Late payments ) XXXX XXXX XXXX  XXXX ( 1 Late payment ) Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) Transunion, XXXX, and XXXX making the report is not INCLUDED on my consumer report! 

A late payment is a transactional history, my HISTORY with your company. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Your company has violated the FCRA 15USC 1681a 2Ai by reporting this transaction or experience between the consumer which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.

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 2022-03-27 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: Social Finance, Inc.
State: GA

Complaint narrative:
My Sofi XXXX credit card was stolen on XXXX when my locker was broken into while I was at the gym. I was contacted by the Fraud Department through text of a possibly fraudulent transaction at XXXX for {$500.00}. I texted back that I had not made the charge, and I also called and reported the theft of my wallet. I was assured that the charge would not go through. The charge posted to my account on XX/XX/XXXX. I have called twice to try to resolve the issue, but as of XX/XX/2022 ; Sofi has still not removed the fraudulent charge from my account. I have written a letter to Sofi disputing this charge and included a copy of the police report number. Please help me resolve this dispute as I am supposed to be protected by the Fair Credit Billing Act, as well as XXXX Zero Liability Protection for fraudulent tranasctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo XXXX XXXX Sales person ( XXXX ) intercepted my email loan inquiry from the sales person I had worked with before, citing she is more senior than he. I felt that was odd and unprofessional but let it go. 

XXXX immediately provided me with rates, terms and payments for my cash out refi needs, what she now claims was an honest mistake. Turns out the refi product that she sold me on and I immediately applied for doesnt apply to my state of residence of Texas . This is same institution ( Wells Fargo ) that holds my current home mortgage. Upon review, XXXX did advise me I need to apply immediately as rates are rising. Thats true they are. 

After emailing me detailed specifics of XXXX Adjustable mortgage to apply for with APR, Payment amount and terms. I applied and immediately was rejected citing that rate isnt available in my state and informed of a new higher Rate and 30 year term. A difference of hundreds of dollars monthly. 

She states it was a system glitch that allowed her to issue rate quotes that were actually invalid and she had escalated the matter to a corporate level within Wells Fargo. Im skeptical of this response for several reasons Ill share later. 

Long story short I feel misled and feel that the sales person was sloppy at best and its degraded my confidence in Wells Fargo. Whom I have banked with for over 20 years. Over that time Ive forgiven the many unscrupulous behaviors that have arisen but for some reason this one was a gut punch too many. 

Id like a full investigation into the practices by this branch and management. Something is fishy. 

Branch manager XXXX was non responsive. Requests for escalation were ignored.

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 2022-03-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: TN

Complaint narrative:
I, XXXX XXXX the natural consumer sent Guild Mortgage by certified mail number XXXX a UCC-9-210 REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, WHICH BY FEDERAL LAW THEY ARE REQUIRED TO RESPOND, I WILL ATTACH WITH THIS COMPLAINT A EMAIL VERIFICATION I RECEIVED FROM GUILD MORTGAGE ACKNOWLEDING CERTIFIED MAIL RECEIPT

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 2022-03-27 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: OH

Complaint narrative:
I recently received a copy of my XXXX, Equifax, and XXXX credit report and I noticed some inaccurate information posted on my consumer report regarding late payments. 

XXXX XXXX XXXX  XXXX ( 6 Late payments ) XXXX  XXXX XXXX XXXXXXXX ( 1 Late payment ) Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX, Equifax, and XXXX making the report is not INCLUDED on my consumer report! 

A late payment is a transactional history, my HISTORY with your company. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

Your company has violated the FCRA 15USC 1681a 2Ai by reporting this transaction or experience between the consumer which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: OH

Complaint narrative:
I recently received a copy of my XXXX, XXXX, and Experian credit report and I noticed some inaccurate information posted on my consumer report regarding late payments. 

XXXX XXXXXXXX XXXX  XXXX ( 6 Late payments ) XXXX XXXX XXXX XXXX ( 1 Late payment ) Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX, XXXX, and Experian making the report is not INCLUDED on my consumer report! 

A late payment is a transactional history, my HISTORY with your company. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Your company has violated the FCRA 15USC 1681a 2Ai by reporting this transaction or experience between the consumer which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.

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 2022-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
The debt should only be XXXX only because car was sold in a auction after it was voluntarily turned back into the bank financer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX  Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX  Account Number XXXX XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX, XXXX XXXX XXXX  XXXX Account Number 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 XXXX XXXX XXXX XXXX and 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 an account without my written instructions

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 2022-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XXXX XXXX AND Goldman Sachs Marcus just completed a transfer of the XXXX XXXX ( Credit Card ) and the servicing has been horrendous. 

First - notifications of change in servicing was late ( letter received XX/XX/XXXX for a XX/XX/XXXX change in card ownership/servicing ) providing NO ability to serve the card at XXXX  XXXX OR GS Marcus either online or through their customer service lines. 

Second - GS online servicing is a poor excuse for a servicing capability and is significantly worse than XXXX XXXX. When trying to view authorized users to see if one of my kids is still on the account as an auth user after they got a notification from XXXX XXXX about them being a new authorized user ( incorrect... they had always been an authorized user on our XXXX XXXX ) ; the GS Marcus website stops responding - this occurred. When attempting to call- they're still over 30 days after transfer - providing a message of significant delays in servicing because of call volume. To boot, there appears to be no way to download transactions. 

Third - I believe their marketing material is misleading to the point of UDAAP violations given the lack of transparency that they have significantly reduced servicing capabilities in comparison to XXXX XXXX. 

Goldman Sachs is all sizzle and no steak and it appears to be all about the money. If you're not watching what they're doing here - you should. 

While I wanted to maintain a relationship with XXXX XXXX and the XXXX XXXX- the inability for me to conduct basic servicing capabilities has me removing the card from my wallet. 

Taking this card out of rotation is a choice I feel I'm being forced into making on a card I opened back in XXXX ; so this isn't only extremely inconvenient, but I'm having to do it with one of my oldest cards which may have detrimental impacts on my credit score. 

Others finding themselves in the same situation may not have the flexibility or privilege of multiple cards to swap in like I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
2019 someone used my name an social security number without my authorization I never had an electric bill before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: OH

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have multiple UNAUTHORIZED inquiries listed on my consumer report and Experian has failed to remove them. They are willfully violating the FCRA as I have informed them multiple times that these are unauthorized. This is fraud. I have no idea why these inquiries are listed on my consumer reports and Experian has refused to remove them. I am sending off this complaint before I move to litigation. The exhibits that I have attached to this complaint will show my MULTIPLE efforts to resolve this issue with Experian and they failed to comply.

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 2022-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have invested more than US {$60000.00} with XXXX XXXX in XXXX in 2021. After I have fulfilled my obligation to the VIP Deposit requirement plan of {$250000.00} Malaysian Dollar,  I would have access to my account balance. Unfortunately, the JP Morgan Chase Corporation took over the business recently. They imposed a new additional deposit requirement of 25 % on my account balance of US {$100000.00} which was amounted to US {$25000.00} which was clearly illegal and unethical. It blatantly employed this corporate rule as a scheme to swindle and to confiscate my account balance. The Corporation has ignored the law which protect the consumer, and also demonstrated its blatant violation in lack of human decency in public thievery, and in public confidence and public trust with legal and fair rule. I demand the JP Morgan Chase Corporation refunds all my money from my investment account immediately. Total fund in my investment account is : XXXX Malaysian Ringgit equals XXXX United States Dollar

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: GA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: VA

Complaint narrative:
XXXX i made a payment and the company is saying they never received it.. 
WILLIAMS RUSH & ASSOCI XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: GA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2022-03-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
on XXXX XXXX, I filed a dispute with this bureau about the unverified account : XXXX, XXXXAccount # : XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation