vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK
State: VA

Complaint narrative:
XXXX, a division of MidFirst Bank, has not fulfilled its referral promise. I opened my XXXX deposit account on XX/XX/XXXX pursuant to a XXXX advertisement. The bottom of XXXX 's website states : " XXXX MidFirst Bank. XXXX is a division of MidFirst Bank. Member FDIC. 

My direct deposits to XXXX appeared on my earnings & leave statement as deposited to " XXXX XXXX XXXX Bank. '' XXXX then encouraged me to " refer friends to XXXX, '' with the promise of {$50.00} for me and {$50.00} for a friend who opens and funds a XXXX account. I referred my friend to XXXX, and sent him the XXXX link designated for the referral promotion. He opened and funded his own XXXX account. We fulfilled all terms of the promotion, and our respective bonuses should have posted by late XXXX. I called XXXX about this on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first two times, I spoke with a customer service representative who identified himself as " XXXX, '' and who confirmed that we had satisfied the requirements for receiving the referral bonuses. He said he would research why the bonuses had not yet posted. The third time I called, a different customer service rep answered. I explained the situation, and told her of the " XXXX '' I'd spoken to before. She said he would arrive to work shortly, and she would ask him to follow up about this. My friend and I still await the promised referral rewards. MidFirst Bank and its XXXX division engaged in false advertising and deceptive practices. CFPB, please help us!

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 2022-06-01 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: LA

Complaint narrative:
I received an email that an application for a Bank of America credit card was opened in my name.

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 2022-06-01 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: MD

Complaint narrative:
I haven't heard anything from these credit reporting agencies its been over 45 days since letters sent out to them. I feel like I am being ignored and been taken advantage!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following creditors and reporting agencies has violated my rights. 

-- XXXX XXXX XXXX # XXXX -- XX/XX/XXXX XXXX # XXXX -- XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XX/XX/XXXXXXXX # XXXX -- No acct name # XXXX -- No acct name # XXXX -- No acct name # XXXX -- XX/XX/XXXX # XXXX 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

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 2022-06-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A 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 Date opened : XX/XX/2005

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 2022-06-01 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:
In accordance with the Fair Credit Reporting act, the following creditors and reporting agencies has violated my rights. 

-- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXXXXXX # XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX # XXXX -- No acct name # XXXX -- No acct name # XXXX -- No acct name # XXXX -- XXXX XXXX # XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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:
In accordance with the Fair Credit Reporting act, the following creditors and reporting agencies has violated my rights. 

-- XXXX XXXX XXXX # XXXX -- XXXX XXXX  XXXX # XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX  XXXX # XXXX -- No acct name # XXXX -- No acct name # XXXX -- No acct name # XXXX -- XXXX XXXX # XXXX 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

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 2022-06-01 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
I paid off Speedycash.com and requested ( 2 times this far ) they remove the debt collection by Ad Astra from my credit report. 

Although Speedy Cash assured me the collection would be removed ( in person at their store ) nothing has happened. Its been over a year and Ive not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/2022 sent {$100.00} using Western Union. The receivers bank in XXXX declined the money. It has been more than a month and WU is not refunding my money. About two weeks ago WU escalated the issue but still no refund and when I emailed them they did not respond. They issued me a reference number via the email they sent me 11 days ago XXXX. 

Here is the information from WU website. It shows refunded but no refund was issued. 

XX/XX/2022 XXXX XXXX Refunded XXXX XXXX  : XXXX XXXX XXXX Track Hide details Edit & resend Payment ________________________________________ Checking ending in XXXX Delivery XXXX XXXX XXXX ending in XXXX Money available : 0-4 Business days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: TX

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NRA Group, LLC
State: MS

Complaint narrative:
A third party " XXXX XXXX '' rep XXXX XXXX keeps calling previous employer even thought Ive asked him to stop that I do not work at that office. He called again and told the XXXX he has papers to serve me for debt collections and needed to reach me. The XXXX sent call to me and I told him again to stop calling that office he still argued and would not listen. I then called National Recovery Agency and he also said he wasnt going to tell them to stop calling the employer and wouldnt give me any information on the debt and was laughing

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 2022-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
Our mortgage was transferred to Truist on XX/XX/2022, with our first mortgage payment being due on XX/XX/2022. At the time our mortgage transferred, we had money in our escrow account to cover the quarterly property tax bill, due XX/XX/2022. Before our first mortgage payment, we called Truist to ensure that the tax bill would be paid out of our escrow account on or before its due date ( XX/XX/2022 ) and we were assured that it would be paid. It was never paid. 

On XX/XX/2022, we received a demand notice from our city for our now delinquent property tax payment due XX/XX/2022, with interest accruing daily and a late fee. We called Truist immediately on XX/XX/XXXX to sort it out, spoke with no fewer than 5 different people and 3 different wholly inoperative machines who were incapable of giving us a direct answer. To be specific, the machines were unable to accept any input, i.e., it would repeatedly ask to enter the account number and then would be unable to read the account number input on the keyboard -- this resulted in hearing a continuous unhelpful loop with no potential to speak with a person or even machine that could help. Further, there were two instances where they transferred us to completely wrong numbers. In other words, they were trying to push us off the phone as they were unable to give us a straight answer or any answer at all. 

We have the money in our escrow account to cover the property tax bill and they told us after we were finally able to speak with someone who knew what was going on that ( 1 ) they did not know taxes were due quarterly in our state, ( 2 ) they would open an investigation as to why they failed to pay them and ( 3 ) to call back on XX/XX/XXXX -- 10 days after the demand bill is due and a month and a half after it was supposed to be paid -- to see if they are able to pay it, but that we could also call next week to speak with someone in their tax department. We then called on XX/XX/2022, and they again provided no information. They said they were unsure what happened and would investigate but not that they would pay our taxes out of our escrow account by the due date. Finally, they communicated to us that their mortgage department and tax department are separate and that while they have the information about our loan in their system, they never took the steps to set up the tax payment that they were required to. Our money to pay these taxes is sitting in their wallets and they will not allocate it to our property tax bill. We are now facing the city putting a tax lien on our property and a mortgage servicer who does not even understand the basics of our mortgage. Truist has effectively stolen our 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 2022-06-01 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: TX

Complaint narrative:
In accordance of the Fair Credit Reporting Act the companies below has violated my rights XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX, XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX & XXXX # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
A few days ago I started to receive mail from TD Bank and once I opened in it stated I had an account opened in my name. Now the problem is I never opened an account at TD Bank. When I called TD Bank they advise me the account was open on XXXX XXXX, 2022, they perceived to lock the account and advise that I report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I haven't heard anything from these credit reporting agencies its been over 45 days since letters sent out to them. I feel like I am being ignored and been taken advantage!

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 2022-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: OR

Complaint narrative:
I received a letter from a debt collector in reference to a debt that did not belong to me. I was also never notified of any past due balance with the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Report # XXXX, XXXX, Equifax is refusing to update my credit file. I was married in 2017 and have a different last name. I emailed the license to Equifax, but it continues to report to creditors that I have had no movement on my credit file since 2017 which is resulting in no population of a credit score. My credit history must be updated. I have provided my income, new name, and job. I am being denied credit because Equifax is refusing to merge my name, remove old information and report new information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The bank habdling resolutio of the fraud is requesting the document that you have that made you close the case. I can't access it and they say they need it. I have left voice mail for call but so far none haas returned my call. 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 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I leased a car through XXXX, I returned the car and was charged {$2600.00} by XXXX, and this amount was taken out of Chase Bank account ( ending on XXXX ) on XX/XX/2022. This was an unauthorized transaction, and I reported it to Chase Bank, and they reversed the charges on XX/XX/2022. Subsequently Chase once again reversed the charges on XX/XX/2022, stating that XXXX had submitted paperwork claiming i owed them {$2600.00}. I have never received any information from XXXX on a claim. I whole heartily dispute the amount claimed by XXXX, and Chase bank has no right to debit my account without my knowledge or approval. I have a dispute with XXXX, and Chase can not act as the arbitrator or mediator. Therefore they should not have debited my account without my approval, this is not their dispute, therefor they should remove themselves from the dispute and return my {$2600.00} and allow myself and XXXX to dispute this amount through the proper legal channels. This unauthorized debit of my account emptied my account of ALL funds and overdrafted my account causing me to to be unable to pay any bills, rent, phone, food, any expenses whatsoever. Once again I would explore Chase Bank to return my {$2600.00} and allow XXXX and myself to pursue this matter through the proper legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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:
I reached out to the company to ask why was I being charged for a card I had closed back in 2020 due to identity theft, they said a new card was open with my number and my address, but also stated all the payments were fraudulently. Yet, are claiming I am responsible as well as they have affected my credit score because it shows a 496 % credit utilization when my credit limit is only {$300.00} but they show a balance of {$1600.00}. They allowed an account to fraudulently be open and claim I am responsible.

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 2022-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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