vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XXXX XX/XX/2022 Story regarding the institution named below, WELLS FARGO Wells Fargo Letter dated XX/XX/2022 Application # XXXX Identity can't be verified letter dated XX/XX/2022 Application # XXXX Identity can't be verified Documents faxed as requested to XXXX Successful delivered at XXXX EDT on XX/XX/2022 See Attached Fax sent to XXXX ( Wells Fargo ) on XX/XX/2022 asking status and documents, passport, utility bills ( XXXX XXXX  XXXX XXXX sent again. 

Filed complaint to CFPB on XX/XX/2022, # XXXX CFPB confirmed sending copy of complaint to Wells Fargo XXXX 

Fax Again Real-time Fax Status Real-time Fax Status : Successfully Sent Fax Info Date : XX/XX/2022 XXXX XXXX  PST Receiver Name : Wells Fargo Visa Receiver Company XXXX Wells Fargo Receiver Fax XXXX XXXX XXXX Subject : XXXX Page Count : XXXX ( including cover page ) Letter from Wells Fargo XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Subject : Were responding to your concerns Case number : XXXX Application number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX SIGNED BY : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Wells Fargo makes another enquiry to XXXX on me, XXXX XXXX. 
See attached Letter from : Wells Fargo Letter dated XX/XX/2022 Application ( now ) # XXXX Identity can't be verified See attached

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 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
On XX/XX/2021 a vehicle was purchased from JD Byrider of XXXX in Ohio. This was done through a retail installment contract. Prior to the loan agreement being signed disclosures were not given for the cost of the loan ( finance charge and annual percentage rate ). JD Byrider also contracted for attorney fees which violates Ohio XXXX laws XXXX. The loan company was informed of this prior to payments being seized in order to come to a different agreement or settlement. Instead of coming to an agreement or settlement CNAC ( financing company ) used XXXX XXXX XXXX to Repossess the vehicle. Upon repossession XXXX dollars was stolen and to make matters worse XXXX dollars in wages were lost due to work transportation being taken. There's been several attempts made to contact the legal team through their registered agent. No one from the legal department has given an official response regarding this matter. There was a court case attached for reference regarding the issue of attorney fees in a retail installment contract which has been completely ignored. A copy of the Lien Affidavit for the vehicle as well as the full accounting ledger for debits and credits associated with the account have been requested and the loan company refuses to provide these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX is reporting inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion is reporting inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-28 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies  and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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
Consumer complaint received 2022-12-28 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: DISCOVER BANK
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX my checking account at Citizens Finacial Group in XXXX Ma was over drawn due to an automatic bill pay that I had set up to pay my XXXX XXXX XXXX via ACH by the XXXX of the month. On XX/XX/XXXX. I transferred money from my home equity line of credit to my checking account at citizens financial group to cover the overdraft but the original payment was automatically reversed by the ACH system managed by XXXX. I then set up a new bill pay to pay the bill which was scheduled to go out on XXXX. I login in to my mobile app on XX/XX/XXXX and saw two outgoing payments four the same amount. I called the Citizens bank and spent an hour on the phone with a rep who explained that the fiserv system will automatically retry to send the payment three times and it will cause an overdraft three times and there is nothing that they can do to stop it. On XX/XX/XXXX, I noticed that my account was still overdrawn and the second reversal of the transaction had not occurred. I called the citizens financial group today XX/XX/XXXX and have been on the phone for two hours. During this time I have been lied to, and misled and transferred and kept on hold only to ultimately have my call been rerouted back to the original main customer service queue. And I have been told that the line is recorded and that my original problem as well as my subsequent complaint was being logged so that the tech group would investigate what happened to. But when I called back and demanded to speak to a supervisor, she admitted that none of the four prior reps had logged the problem. She opened up a complaint ( complaint # XXXX ) and gave me a number to call back to track the complaint ( XXXX ). I was then transferred to the escalation department and spoke to the tech support manager ( XXXX ). Who said there is nothing that can be done and that I can not call XXXX directly to follow up. The other XXXX reps had told me that they couldnt call XXXX but that I could. I need help to get this problem resolved but I also need to formally file a complaint about the fraudulent And internal misinformation that I have been given by the bank representatives about how mobile pay and bill pay works at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is reporting inaccurate addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is not deleting a public record showing ony report as XXXX. The Bk court does not have any varifiation as being mine nor they respond to any third parties verification companies. Transunion keeps on saying that the court verified it accurate but that is not true after speakig with the BK court. Transunion keeps on ignoring my request to clear it as the other bureaus have already done.I mail transunion a report from XXXX and a letter from the FTC but yet transunion refuses to validate them.

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 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Synchrony bank has a my motorcycle in credit report as a repoed it was almost but never was I have taken care of problem my bike is still in my possession and was switched to a different bank but payment are being paid and bike is with me

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 2022-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Capital One Bank has been taking {$490.00} out of my account since XX/XX/2022 without authorization through my XXXX business checking account ending in XXXX. I have tried numerous times to resolve this with Capital One as i do not have any account or business with them. They now owe me over {$6000.00} plus fees and again, I DO NOT AND HAVE NEVER HAD ANY BUSINESS DEALINGS, CHECKING OR SAVINGS ACCOUNT WITH THIS CAPITAL ONE BANK!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: Reliant Capital Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and I'm disputing some items that need to be deleted. l have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Items : XXXX XXXX Account Number : XXXX Balance : {$260.00} RELIANT CAPITAL SOLUTION Account Number : XXXX Balance : {$1800.00} Reason for Deletion According to the provisions of the Fair Credit Reporting Act '611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within XXXX days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 [ 15 USC ' 1681j ], there should be no charge for this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
CFPB, On XX/XX/2022 The matter with Navy Federal has not been resolved, so have yet to seek justice but still being discriminated against as it relates to my handicap disablement to be able to purchase a home as a first time home buyer protection under the EQUAL CREDIT OPPORTUNITY ACT ( ECOA ) without being discriminated against while being able to receive income form any public assistance program.

I am still not being heard and considered being able to use my reasonable accommodations being able to have proper time under the Americans of Disability Act ( ADA ) but have been continually violated not to ne able to use extension of time and provided with the same information and process equitably like other members who have gone through the First time Home Buying of the Home Buyers Choice process with low rates a follow through of policy & procedures step by step and instructional copies of loan documents without running my credit serval times and then charging me several fees providing me with no Closing Worksheet Estimate or Good Faith Letter of actual true cost using the formula and timeframe from the date of the new application Navy Federal stated in response to complaint even closing the complaint due to me not complying to their suggested time to process. 

This would be a second email letter submitted to me via email on XX/XX/2022 at XXXX XXXX  ( XXXX ), following up with a demand to respond within 24 hours still not providing a commitment to lend and still obsess with running my credit again a third time a now third attempt and tactic to pull my credit down charging me another credit application fee of {$20.00}. 


I have also attached a written letter I am requesting to submit to the President/CEO of Navy Federal Credit Union XXXX XXXX XXXX now inform her of the discrepancies and discrimination I have incurred. 

This is my final submission to seek for this yo be resolved for the stated resolutions submitted within the <attachements>. 

This acts are illegal and I am requesting a review on my behalf from the CFPB whos role in this matter is to make sure that I am being treated fair by banks, lenders and other financial institutions.

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i am the living breathing man XXXX. i hereby am filing a complaint against EQUIFAX. EQUIFAX is reporting incorrect information on my consumer report, which has been causing financial damages in regards to my credit reputation, also know as defamation. I would like the Following information to be reported : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ca XXXX Employment info : XXXX XXXX XXXX Any name or address different from the one above-mentioned please removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and XXXX have got into the 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
Consumer complaint received 2022-12-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
please remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/22 off my credit report or provide proof in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-12-28 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-12-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello : Once SunTrust merged and became Truist I began receiving overdraft fees in abundance. On XX/XX/22 I contacted Truist and told the Customer Service agent that their Available Balance info was not being properly updated to include ALL transactions, holds and pending items, despite Truist having a note next to the available balance that reads : " Your available balance is the money currently available to make purchases, withdrawals, and payments. This balance is updated throughout the day with the transactions you make, including pending transactions and holds. It does not include bill pay checks or checks you've written or deposited that have not yet posted. This balance is used in making payment decisions and triggering overdraft fees if applicable. '' Despite that statement, I would later be charged overdraft fees for items listed in " XXXX XXXX Transactions '' as pending transactions when balance available above does not show a negative balance. I have screenshots and phone recordings with the bank. There is no way I should be charged an overdraft fee for a charge that's listed as pending when according to Truist 's statement right next to my available balance, that pending transaction would have been included in my available balance above. Therefore, as soon as that transaction is pending my available balance should've been negative. Yet my balance never showed negative for this transaction. In fact, I received a bank notification at XXXXXXXX XXXX stating my balance was {$19.00}, then at XXXXXXXX XXXX I received a text saying my account was negative {$14.00}. Then at XXXX I checked my account to find it's negative {$42.00}. 

I was also charged overdraft fees on XX/XX/22, XX/XX/22, and XX/XX/22. I truly believe Truist is not accurately reflecting all transactions, holds, and pending transactions in customer available balances. I do not write checks, so that is not applicable to me. These frequent overdrafts make me look financially irresponsible when I am not. I pay my bills early or on time and keep a running budget of expenses, spending, and bill due dates. This should not be happening and I want to close my account with Truist and go to another bank. Myself and many of their customers feel they are crooks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I checked customer complaints online and on XXXX and found many customers have been receiving constant XXXX fees since SunTrust became Truist. I think they are being dishonest in the way they post customer available balances in order to charge overdraft fees. I have screenshots and dates that I'd like to provide. 

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 2022-12-28 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 Karma, LLC
State: NC

Complaint narrative:
Credit karma has used false and deceptive practices in reporting my chances of approval for a credit card from XXXX  XXXX. They have stated that I had a good chance of approval so I applied and was denied credit card.furthermore it has damaged my credit file in which I seek remedy and since I was denied credit I want this iqury removed

Company response to consumer: Closed with explanation