vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP
State: IA

Complaint narrative:
Filed a fraud claim with Ameris bank for XXXX transactions and ATm transactions i didnt authorize, they gave me my money back for the XXXX but i cant access my funds at all. they said my account is pending closure and if thats the case, i should be able to move my money out of the account correct? well they arent letting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : I C SYSTEM Account XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-07-06 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: SC

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.

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 2022-07-06 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:
My name is XXXX XXXX and I have recently viewed my EXPERIAN credit report on XXXX to find Inquiries from companies I did not authorize, and are Identity Theft. I contacted EXPERIAN directly and was assured by a customer service rep that the inquiries would be removed. I let the rep know this was of mych importance, as it was stopping me from purchasing a home. This causing me and my children much harm as we can not get a place to live with this matter pending.I contacted the Federal Trade Commission in this regard. They told me I should contact the CFPB with this matter and to get back to them if It can not be resolved. I've called EXPERIAN everyday for past month and nothing has been removed. Please help. My family needs a place to live and this is stopping our process.

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 2022-07-06 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX ( original creditor : XXXX XXXX XXXX ) account # XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX ) with 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted disputes to you and did not get a response within 30 days, and you are required by law to do so. Please investigate my disputes, thank you.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted disputes to you and did not get a response within 30 days, and you are required by law to do so. Please investigate my disputes, thank you.

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 2022-07-06 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: IL

Complaint narrative:
N Accordance with the Fair Credit Reporting act XXXX Account # XXXX / XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX service Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXXf XXXX Account XXXX XXXX XXXX XXXX of XXXX Account XXXX XXXX XXXX XXXX of XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account 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 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 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I paid {$50.00} via XXXX on XX/XX/XXXX, did not receive the promised item, then immediately called my bank ( WF ) to stop the transfer ( it didnt go through until days later on XX/XX/XXXX ). The bank told me they could not stop the payment, but would credit me the {$50.00}, but then I never received it. I then spoke to 8 different Wells Fargo agents over the next 2 weeks over many hours who were all giving me inconsistent information and false promises. Then I got a letter stating my claim has been closed.

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 2022-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: OH

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, XXXX U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-07-06 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Transworld system Inc has placed a utility on my credit for something that was opened in Texas. I have never lived in Texas and filed police report and a fraud statement. and sent that into Transworld. I also sent in a dispute to the bureaus and they did not remove the account and further went on to claim that Transworld verified. I have never even been to Texas and do not know anyone who is there. This is not my account and I am in the process of getting a new home. I have done everything that Transworld has asked that I do and sent it in. I need this deleted as soon as possible as I have lost points on my credit score for something that is fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Between XXXX, HSBC XXXX XXXX XXXX XXXX XXXX XXXX XXXX location currently XXXX XXXX  failed to return interest owed for safe deposit in which payments was being made to by a checking account. The account at HSBC belong to my father whom was deceased for XXXX years before HSBC acknowledged his death. Here, and at all times HSBC benefited solely from my father checking account that paid for a safety deposit box that was entered into by government officials in the XXXX. In XXXX DEA approached HSBC with a search warrant for safety deposit box belonging to XXXX XXXX, they seized the assets in the amount of {$280000.00}. No communication was made to XXXX XXXX XXXX from HSBC to XXXX XXXX XXXX until the Summer of XXXX when XXXX XXXX approached the said branch in persons after numerous failed mail, email and communication portions. It must be noted on XX/XX/XXXX XXXX sent a check to XXXX unclaimed funds for safe deposit box rental without communication. Here HSBC failed to provide correspondence to our Estate regarding any settlement of the said safety deposit box in order to dispute the amount to be refund to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
My personal student loan that has been going on since 2001 is with Navient. Ever since Navient took over Sallie Mae my loan balance hadn't moved, so I called Navient and the unprofessional clerk did not know how to read my account balance or figure my statements. Now I see that other people complained about their payments with Navient and won in a law settlement. I'm complaining that it looks like my XXXX Student loan was not included in this settlement. How can I get considered settlement/cancellation for my student loan that I have paid for over 18 years? They expect me to overpay until XXXX. I'm XXXX and XXXX, watching my Grandkids due to XXXX. I used to work at XXXX XXXX as a XXXX XXXX until the Pandemic hit. Can someone please help me get on the Navient lawsuit settlement?? 
Thank you in advance, L

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I opened a Discover Bank saving account on XX/XX/XXXX and transferred {$15000.00} from my XXXX XXXX to the account, and then they suspended my account ~20 mins later!

My {$15000.00} got transferred to that account and can not be accessed. My most recent paycheck of a few thousands of dollars also went to that account. Now there are more than {$20000.00} in the account and couldn't be accessed. Tens of thousands of dollars are now seized by Discover bank without allowing me to use, which looks like a blatant robbery. 

I called them many times with the phone number they provided in the account suspension email and they always transferred me to the security team that never answered my phone even after hours ( and they always hang my call after ~2 hours ). I began to wonder if the security team actually exists. This is a huge amount of money that is locked in the account, and Discover does not provide a way for me to reactivate my account. I have been struggling with my life since the beginning of COVID. I have been working harder to earn a living for my family. With the loss of so much money our life becomes even harder. 

I am writing this complain to ask Discover bank to contact me and get my account reactivated, in a timely manner because I need to use the money for my daily life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This account XXXX XXXX was transferred to XXXX without notifying me , which is in violation of my rights. It seems that the bureaus and the creditors disregarded my several complaints and letters requesting for the validation and proof of this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I'm being sued by a company for a past due card debt that I'm unaware of and was impossible for me to have charged these fee 's. I moved to XXXX early XX/XX/XXXX now its XXXX. The charges was made in middle an end of XXXX. I'm asking for my name be removed from this debt due to fraudulent charges made with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had a previous Master card ending in XXXX that had some fraudulent charges Capital one agreed these were not my charges while this happened, I was working a XXXX shift at XXXX my employer. These charges resulted in some valid merchandize charges being cancelled also. This started around XX/XX/2022 I paid for the valid merchandize on my XXXX XXXX XXXX  card ending in XXXX on XX/XX/2022. ( See Statement ) I paid for 5 different charges on my visa this date all was deemed paid in full except for {$160.00}, Capital one has added it 7 -Seven times to my account not any of the other 4 transactions only the {$160.00} telling me that I owe them this amount please see my account. Let me tell you that again 7 times yesterday they said because the transactions do not match, I must be lying, and I have purchased different items I sent them all of my transactions on my XXXX account which I have included here showing that I have not purchased any other items in the amount of {$160.00} I sent them the detailed item report included here from XX/XX/XXXX through XX/XX/2022, My XXXX Account, My XXXX  XXXX Account I have sent them everything but my XXXX XXXX  child but they insist that I am lying to them. I have called XXXX 's credit department I do not have any outstanding or unpaid debt owing XXXX. Yet CAPITAL ONE still will not credit the money owing and cancel this card once and for all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I recently opened an ALL rewards card ( issued by the clothing store Ann Taylor, but can be used anywhere -- it's a mastercard ) and it is part of Comenity Bank. Since I received the card more than a week ago, the Comenity Bank portal is down and there is no way to log in and when you call there is no customer service to speak to. I have done some research online and many other people are having this issue ( they manage cards for a variety of stores like Ikea, Ulta, XXXX XXXX, etc. ). I can't pay my bill because there is no way to do it ( although I have the funds and would like to! ) and I am also worried about how this might affect my credit score -- including after all is said and done and I want to close this account because it is not worth the headache. Comenity has been claiming that this is " planned system update that took longer than expected '' but no scheduled maintenance takes this long and blocks thousands ( millions? ) of customers out of their accounts for over a week and counting. They have not been forthcoming or proactive with any information -- and what they do share is vague, patchwork, and unhelpful -- if it is even true. The one and only time they reached out was XX/XX/XXXX via email. I have not heard from them since then. I am worried my XXXX  is part of some data breach or something worse, but we have been kept in the dark. 

Thanks so much.

Company response to consumer: Closed with explanation