vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 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: IL

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Thousands of dollars are being withdrawn from my account making my account negative. 

Also I deposited a check for {$800.00} that hasnt been deposited yet.

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 2022-04-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
To whom it may concern, For several months we been having problems with Bsi financial services processing our mortgage payment which were purchase in postal money orders. Bsi financial wanted us to sent the payment to a XXXX XXXX which we did for years but in several month our mortgage payments was arrive late we start sending to physical address which we mail out payments on the XXXX XXXX XXXX or XXXX now I did spoke to a manager at Bsi financial stated he'll take care of it. XXXX my Mortgage payment change and was sent out.XX/XX/XXXXXXXX payment sent out. XXXX XXXX we sent out XX/XX/2022 payment XXXX XXXX I notice the money order XXXXXX/XX/XXXX short immediately I contact Bsi financial to inform them I sent a {$1.00} money order I tried to payXXXXXXXX XXXX  by phone with my debt card they would not accept it only bank router number only on XXXX XXXX I received the envelope with money order the address cross out it state return to sender refused unable to forward also I have original money order stub also have letter that was sent back as I writing this Bsi call me twice I said hello hello no answer I guess they wanted proof they call me back at least say something.Also they charge a late fee which I don't feel that it fair I'm confused why send the {$1.00} dollar money back. why?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX has violated my rights XXXXXXXX XXXX # XXXX has violated my rights XXXX  XXXX bankruptcy discharged has violated my rights XXXX XXXX  XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Sections 602 A States I have the rights to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : -

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 2022-04-21 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: FL

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 receipt 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 explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have been affected by Covid Hardship, I have been trying to apply and submit Mortgage Assistance pack forms for many months and have been given a run around, I have been told to send and resend the Mortgage Assistance forms in many different times. I have been asked to withdraw the Application, so they can look at Covid options ( that they can't look at it I have a Application being reviewd ), then they say their are no option available, and I should resend in a new Morgage Assistance pack.

I have been told that, I was told that would not be sent to Foreclosure because they are and while they are reviewing my Application.

I was sent to Foreclosure, they lied to me.

Every time I call they tell me they need different information, I have called two different representative 's 5 min apart and they tell me total different things about my account. 
I have been lied to and miss directicted many times.

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 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I indicated a wire transfer through Wells Fargo for my purchases over in XXXX. The XXXX Bank decided not to fund my vendor the approperit amount resulting in losing my purchased items and not getting my money back. I called Wells Fargo and I asked to cancel the wire transfer, and they told me OK! I keep calling Wells Fargo daily to check on the status of my money. I called once, and they promised me that the fund will be on a Wednesday. I checked my account on Wednesday, and the fund was not there. 

I called again and I started to record the calls, they told me that within 1-2 hours the fund should be in the account. I checked at the end of the day, and the money was not refunded. I do not know why would they lie to me?

I called again 2 times, recorded, and they have informed me that the investigation at Wells Fargo is working on the case. So, at this point, I do not know who to believe. They lie to me thinking that I am just a child. The amount is not low to forget it and move on. Its a large sum of Cash that I am trying to build my trading career and these entities are trying to steal it from me. 


Please consider the request.

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 2022-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
I opened a joint savings account with my husband on XX/XX/XXXX. In the ensuing weeks, I made deposits totaling {$150000.00} as follows : XX/XX/XXXX XXXX. 
XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX Let me reiterate that this is a savings account, NOT a CD. 

I reviewed the banks terms and conditions and there is no language restricting the withdrawal of funds from the account once the funds have cleared. 

On XX/XX/XXXX, I planned to withdraw funds from the account electronically to my checking account at XXXX XXXX XXXX XXXX XXXX. 

To my surprise, I found out that the bank had placed a {$5000.00} daily withdrawal limit on my account. Since savings accounts are subject to a 6 withdrawal per month limit in order to avoid penalties, this means that It would take 5 months to move all the money out of my account, at the rate of {$30000.00} per month. 

I then contacted Customer Service and asked that my daily withdrawal limit be increased to {$10000.00}. They denied the request on the basis that the funds would need to be in the account for 90 days. This is an arbitrary restriction that has never been disclosed upfront. 

XXXX has re-named itself as XXXX XXXX and has issued new disclosurea governing the account. I checked them yesterday and there is no language restricting the size of a withdrawal that a customer may make. 

I am familiar with withrawal limits because I have hace had accounts with a lot of internet banks, and this is the first bank I have seen that has put a highly restrictive withdrawal limit on a savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: FL

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 receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kikoff Inc.
State: MD

Complaint narrative:
15 USC1681 section 604A section 2it also states a consumer reporting agency can not furnish a account without my written instructions.

I5USC1681 section 602A states I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: FL

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
I'm suppose to close on a pre-construction home some time in XXXX. I signed the contract disclosures on XX/XX/2022 and on XX/XX/2022 I asked my loan officer if I can lock in my interest rate at which time it was 3 %. I was told by the loan officer that I wasn't able to lock in yet, but when I went back to read the Interest Rate Disclosure I noticed that there's no time frame to lock in my rate and on the contrary it states that any time I'm ready I'm suppose to advise my lender when I would like to lock my rate. I was denied that opportunity with no explanation or options given and I feel that the Interest Rate Disclosure has been breached, it contradicts our agreement and breaks it. I tried to explain the situation to my loan officer but was told that there's nothing they can do and I would have to accept todays higher rate. Furthermore, I requested to speak with a supervisor to see if they were able to help in this matter, I was told I would receive a call but haven't heard anything yet.

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 2022-04-21 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:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against theFederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, # 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

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX account number XXXX XXXX  # XXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 section 602 A. states i have privacy rights.

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 2022-04-21 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX account number XXXXXXXX XXXX  # XXXX XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. states i have privacy rights.

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 explanation
Consumer complaint received 2022-04-21 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: FL

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 receipt 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 2022-04-21 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:
This complaint to XXXX was the result of their non-compliance to my request and fortheir refusal of getting the account, listed below, to be removed from my credit reports. Theyneither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistanceto help me block the concerned account for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Unauthorized hard inquiries

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 2022-04-21 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: American First Finance, Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX  XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Type this out exactly in this box of you want to input your info and remove instructional verbiage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Unauthorized hard inquiries

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