vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TX

Complaint narrative:
I sold my car on Thursday XX/XX/24. I deposited my bank draft check from XXXX for XXXX into my new Texas Capital checking account. They put a 9 day hold on it which was expected. The following Friday comes along ( 9th day ) and I log in to discover my account frozen since Monday XX/XX/24 but my check from XXXX processed and available. ( As expected ) So Ive tried to call the number they said to call numerous times interacting with employees who cant seem to reach anyone in fraud but will repeatedly tell you they are gon na put a ticket in? Ive even sent in numerous secure messages through the online portal with a day later straight response, saying there is nothing that can be done. No one has ATTEMPTED to call me from their fraud department to get this resolved. I need those funds and they arent moving with urgency at all. Ive requested to close the account numerous times and for them to send me a cashiers check. At this point, I dont wan na deal with this institution I just want to close my account and receive my funds. I have yet to hear from their fraud department. I called again today, XX/XX/24. I speak with a rep who once again says shell submit my information and someone SHOULD reach out on Monday. SHOULD but not a guarantee. I demand someone reach out to me ASAP or just close my account so we can resolve this matter and I can be done with Texas Capital Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
Title loan from One Main, completed loan and never recieved my title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: WV

Complaint narrative:
( A surprise medical bill is an unexpected bill from an out-of-network provider or at an out-of-network facility. Effective XX/XX/2022, the No Surprises Act may protect you. ) The debt collector, XXXX XXXX, XXXX put an out-of-network anesthesia bill ( in a In- Network hospital ) on my credit report that I am protected from as the law states as cited above. XXXX XXXX should have done due diligence to discover why the insurance company didnt pay the claim before they bought this debt. I had absolute no control over who the doctor or hospital chose to do the anesthesia. But the anesthesia firm had more control than me and should have made sure they were covered under the insurance. What good is this law if these debts can be sold, put in debt collection and onto a consumers credit report??????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
When I shopped and decided to change car insurance companies, XXXX XXXX was wanting XXXX more month of coverage even though I provided proof of new coverage for the dates in question. Earlier this week I called XXXX XXXX directly to discuss the status of this account, and to validate that I had paid it to XXXX XXXX directly in order to avoid it being in collections. I was told that I would be contacted by phone within XXXX to XXXX hours by the department that handles such requests. This has not happened, but I see it is marked paid now. This whole mess is in violation of my rights, and they won't respond as they promised. When I explained this to " XXXX at XXXX XXXX '', he assured me that it would be addressed to me personally, by phone by said time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting 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: CT

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX bank Delaware XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX BANK DELAWARE ] - [ XXXX ] XXXX XXXX XXXX & XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX & XXXX Transunion XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX bank Delaware XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX BANK DELAWARE ] - [ XXXX ] Equifax XXXX XXXX & XXXX Equifax : XXXX XXXX : XXXX XXXX BANK DELAWARE XXXX XXXX XXXX XXXX XXXX : XXXX & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Dear Complaint Service Team, I am writing to seek urgent assistance regarding an issue with a missing instant deposit from my XXXX XXXX to my Wells Fargo business account. On XX/XX/XXXX, at XXXX XXXX, I initiated an instant deposit of {$300.00} from my XXXX XXXX account to my Wells Fargo business account. However, despite XXXX XXXX confirming the deposit, the funds never reflected in my Wells Fargo account. 

I have contacted both XXXX XXXX and Wells Fargo multiple times through chats, support requests, and customer service calls, but I have not received any resolution or assistance in recovering my missing funds. Cash App provided me with the following transaction details : - Deposit Amount : {$300.00} - Date of Deposit : XX/XX/XXXX at XXXX XXXX  - Bank Name : WELLS FARGO BANK , NATIONAL ASSOCIATION - Last 4 of Debit Card : XXXX - Transaction ID : XXXX I believe that the Transaction ID provided by XXXX XXXX  should enable Wells Fargo to trace the deposit. However, Wells Fargo has been unable to locate the deposit, and both XXXX XXXX and Wells Fargo seem unwilling to take further action to help me recover my funds. 

I am willing to provide any necessary information to assist in resolving this matter promptly. Please advise me on the next steps to initiate an investigation and recover the missing deposit. I am attaching the requested information below and stand ready to provide any additional documentation required. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was looking at my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor did not notify me XXXX  days before with a statement, so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this is clearly a billing error. The items below should all be updated to PAANL ( paid as agreed never late ) on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . As a consumer, by law the accounts in this letter must be updated immediately because my rights have been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 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 report containing information solely as to transactions or experiences between the consumer and the person making the report. Please update my credit report to PAANL ( Paid as agreed never late ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was looking at my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor did not notify me XXXX  days before with a statement, so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this is clearly a billing error. The items below should all be updated to PAANL ( paid as agreed never late ) on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . As a consumer, by law the accounts in this letter must be updated immediately because my rights have been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 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 report containing information solely as to transactions or experiences between the consumer and the person making the report. Please update my credit report to PAANL ( Paid as agreed never late ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
One Main fiancial has me paying per mony ( {$110.00} ) for a loan on credit consolidation with the IRS. The process is not complete and they are saying that we can only now do installemtnst but the service cost me over {$2000.00} to do with them and at the time I could only do this in order to play fo rthe service for them to complete. now when I log in i am told I have to go to another service within One Main Financial and its just confussing and a big mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
These inquiry do not belong to me. i will like for them to be remove from credit report. 
DELETE CREDIT ACCEPTANCE

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
A XXXX XXXX XXXX XXXX credit card was opened without my authorization. I called the bank to report the unauthorized charges and account opening. The bank initiated an investigation where the bank claims that the charges were valid and that I had to submit a payment by XX/XX/2024. Throughout this time where the account was in dispute and under investigation, I was advised by XXXX  to avoid submitting any payments to the account. Towards the end of XX/XX/2024 the bank issued a letter stating to pay on XX/XX/XXXX where I proceed to submit a payment on XX/XX/2024 to be on-time for my payment. XXXX decided to report to the credit bureaus that I was past due XXXX even though I was compliant with their 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 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Theres a citibank AAdvantage card under my name. I never activated the card. Yet I received a charge of {$99.00} + some late fees now. 

When I called the bank to ask about the charge, they told me its an annual fee. 

I asked them why are you charging me a fee for a card that I never activated and never used. Their answer was because you applied for the card theres an open account and now it is delinquint and I have to pay, and they threatened me that this will affect my credit. 

I was clear with them that I wont pay any charges or fees for a card that I never activated nor used, and that I would like to dispute these fees. Their response was that there is no way to dispute the fees with them. 

I need your help to protect me from these predatory charges and their ability to affect my credit rating. I have never had any financial disputes with any other financial institution and I have never had any delinquent accounts before.

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 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I was charged with add-ons that I didn't need. Loan was paid off but I did not need the add-ons. Now I can't access the loan information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I recently reviewed a copy of my consumer report and noticed that you are reporting an experience related to a line of credit I have with your company.

Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; The line of credit I have with your company is characterized as utilization on my consumer reports and your company is illegally reporting this experience.

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. Therefore, you are in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting this experience. 

You have 5 calendar days to update my utilization to 0 % and/or delete all utilization from my account. Failure to correct this error may result in legal action and seeking monetary damages.

Thank you for prompt attention to this matter.

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 2024-03-23 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), it is crucial to ensure that consumer reporting agencies fulfill their significant responsibilities with fairness, impartiality, and a commitment to respecting the privacy rights of consumers. As recognized consumer reporting agencies, both XXXX and XXXX, and myself as the consumer, possess the right to safeguard personal information, as emphasized by 15 USC 6801, outlining Congress 's policy that financial institutions actively uphold customer privacy. Designated as a " Furnisher of information to credit agencies '' within the financial institution category, 15 USC 1681 section 604 a section 2 specifies that a consumer reporting agency may only furnish a consumer report based on the written instructions of the respective consumer. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly states that a consumer reporting agency is forbidden from including certain adverse information in a consumer report without obtaining proper authorization. Reporting this account as an adverse item without my permission constitutes a clear violation of this legal provision. In alignment with 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is prohibited for a person to provide inaccurate information to a consumer reporting agency if they know or reasonably believe it to be inaccurate.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), it is crucial to ensure that consumer reporting agencies fulfill their significant responsibilities with fairness, impartiality, and a commitment to respecting the privacy rights of consumers. As recognized consumer reporting agencies, both Equifax and XXXX, and myself as the consumer, possess the right to safeguard personal information, as emphasized by 15 USC 6801, outlining Congress 's policy that financial institutions actively uphold customer privacy. Designated as a " Furnisher of information to credit agencies '' within the financial institution category, 15 USC 1681 section 604 a section 2 specifies that a consumer reporting agency may only furnish a consumer report based on the written instructions of the respective consumer. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly states that a consumer reporting agency is forbidden from including certain adverse information in a consumer report without obtaining proper authorization. Reporting this account as an adverse item without my permission constitutes a clear violation of this legal provision. In alignment with 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is prohibited for a person to provide inaccurate information to a consumer reporting agency if they know or reasonably believe it to be inaccurate.

Company response to consumer: Closed with non-monetary relief