vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 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: MI

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

Account name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
The bank is first citizens bank head quarter at XXXX XXXX XXXX, XXXX, NC XXXX and we have been dealing with the branch located at XXXX XXXX XXXX, XXXX, NC XXXX the problem we have is that my mother in-law passed away and after opening her safe deposit box there are 2 Certificate of deposits that the bank can not locate in there records or can not show that have or have not been redeemed. I have the original XXXX XXXX, the 2 of them are over XXXX dollars and one is from XXXX and one from XXXX. First Citizens tells us they don't keep records over 7 years. My mother in law was very frugal lady, and saved these XXXX XXXX for her kid 's inheritance and the bank will not honor these.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MS

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 2023-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was the victim of a fraudulent wire transfer scam in the amount of {$12000.00} on XX/XX/. I received a call identified as coming from Wells Fargo and the man on the phone gave me a name and identified himself as an employee of Wells Fargo. He said he was calling about some suspicious activity on my account. He referenced transactions taking place in Florida, several legitimate transactions ( he had access somehow to my checking account information ) and this supposed wire transfer or {$12000.00} to someone named XXXX XXXX. The scammer said that we could reverse the wire transfer by completing some steps on the phone, He told me that he'd be sending me several six-digit numerical codes that I was to key into the phone to verify the steps, the first one being to verify my identity. I learned later that by entering these six-digit numerical codes I was somehow giving the scammer access to my online banking account. I'm not sure how these six-digit codes were translated into authorization for access. After realizing that these six-digit codes ( provided in Wells Fargo texts ) also allowed him to generate a wire transfer, I immediately called the telephone number provided by Wells Fargo on the confirmation email - XXXX. After traversing a lengthy voice messaging system, none of which was related to fraud, I reached an agent. I instructed the agent to immediately freeze all of my Wells Fargo accounts, no transactions were to happen with any of my Wells Fargo accounts. She said she'd freeze them but that I should go into a branch to close the accounts. I went to the closest WF location. There were two people in the entire branch, neither of whom could help me. They called someone " from the back '' who should be able help but when he came out he informed me that the Wells Fargo system was down and I'd have to go to another branch. I drove 20 minutes to another branch where I learned that my accounts had not been frozen. The wire transfer transaction status online was pending so I was hopeful that it could be reversed. This branch was very helpful in helping me reach the Fraud department at Wells Fargo and I filed claim. I received a letter dated XX/XX/XXXX from Wells Fargo stating that because the transfer happened using my user name and password I was responsible for the loss of the {$12000.00}.

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 explanation
Consumer complaint received 2023-06-20 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: OK

Complaint narrative:
There was a security breech and I lawfully have the right to have any negative marks or delinquent bills, charge offs, or other negative marks removed from my reports.

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 2023-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
Truist purchased my mortgage from XXXX back in XXXX of XXXX. During the XXXX of XXXX, Truist failed to properly handle payment withdrawls, losing data in their portal, and reprocessing payments multiple times. As a result, my checking account overdrafted multiple times. Worse, Truist returned multiple payments and reprocessed another without my knowledge. Last, Truist processed transactions via wire transfer, incurring irreversible fees.

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 2023-06-20 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: MS

Complaint narrative:
Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

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 2023-06-20 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
Account was reported several times, Account was charged too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Transunion, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX, XXXX acccount # XXXX  XXXX XXXX bank account # XXXX  XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXXXXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX  account # XXXX  XXXX XXXXXXXX XXXX accout # XXXX  XXXX XXXX  XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX however they stated everything was complete and accurate. But how is that possible if the open date, date of last activities, the addresses on files and much more is incorrect. 
according to 15 USC 1681i ( 5 ) they are supposed to modify accounts that is not reported correctly or delete them. 

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 an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Experian and XXXX to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX, XXXX acccount # XXXX  XXXX XXXX XXXX  account # XXXX  XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXXXXXX XXXX  account # XXXX  XXXX XXXXXXXX XXXX accout # XXXX  XXXX XXXX  XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX however they stated everything was complete and accurate. But how is that possible if the open date, date of last activities, the addresses on files and much more is incorrect. 
according to 15 USC 1681i ( 5 ) they are supposed to modify accounts that is not reported correctly or delete them. 

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 an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2023-06-20 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:
I have contacted Equifax numerous times. Recently, on XXXX, XXXX, XXXX and today ; XXXX. Each time I have spoken with a supervisor to explain my challenge with the Date of First Delinquency being reported for two accounts ( both charged off ). One account is with XXXX XXXX and the other is XXXX XXXX. This is the challenge : 1. Equifax is reporting the DOFD for XXXX XXXX ( Balance {$10000.00} ) as XXXX, and I have a document created from Equifax 's website ( XXXX ) showing the DOFD as XXXX. 
2. Equifax is reporting the DOFD for XXXX XXXX  ( Balance XXXX ) as XXXX, and I have a document created from Equifax 's website ( XXXX ) showing the DOFD as XXXX. 

XXXX, I called and received the confirmation number # XXXX for both accounts. I will add this Supervisor was very professional and understood my challenge. 
XXXX, I spoke with XXXX who was extremely professional and promised to investigate my challenges and call me back. Although she said it would take time and promised to personally call me back ; I have yet to hear from her. 
XXXX, Today, I called only with the hope of gathering information/status via notes from XXXX and spoke with XXXX ( Supervisor ). The conversation was less than desirable, e.g., no empathy and lackadaisical effort to assist. She only suggested sending in the documents, which I tried to do on the XXXX, but had confidence the previous Supervisors would be successful, because of their eagerness to help. 

Special Note : I shared as a point of reference, and to validate my concern to each Supervisor to please take a peek at another account - XXXX XXXX, which is a collection agency, and connected with XXXX XXXX  ( I am not disputing the DOFD with XXXX  - this is only a point of reference ). XXXX XXXX  sent the account mentioned above to XXXX  - they would notice upon review that XXXX  is reporting the correct DOFD, which is the date for the account to be removed from my report as XXXX ( Reported by XXXX XXXX  ), not XXXX. XXXX ( Supervisor ) completed agreed and understood. XXXX ( Supervisor ) simply said, send in the documents. If I continue to dispute, based upon experience, the accounts will only update, and my scores will drop from the updated information - not the correct DOFD. 

I am asking for your assistance as a tribunal, and as a advocate for customer service to assist in having Equifax to correct the DOFD for both XXXX XXXX XXXX XXXX. It would be a blessing to also mention the learning opportunity should they decide to listen to recording, which will aid towards a meaningful culture. 

Please see the attached report from Equifax - XXXX. I also have more credit reports from Equifax saved since XXXX, which is when I started monitoring my credit from my previous mishaps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
I set up automatic payments with my new mortgage company, and they withdrew double amounts and penalized me with overdrafts, return payments from other automatic debits, and are charging me for a returned check and missed payment now. This loan started with XXXX XXXX, was sold to XXXX XXXX, and now Mr. Cooperand in over a a years time frame, this is the first time I have had a mortgage payment issue. I called the company and they told me it was their mistake but they couldnt refund me, and that I would have to send them an email and a fax with the written description of what I wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX I need you to investigate the following Account. 
XXXX XXXX XXXX. 

I request you provide me with proof of this alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an updated credit report to the address stated above. 

Thank you. 
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 2023-06-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally bank holding funds Used electronic means to make a transfer to my savings. Bank holds for up to 3 days! 
Supposed to be available next business day Then they say may be available END of businesses day, WHY??? So they can use it?!?!?!

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 2023-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from my local dealership and financed it through Hyundai Motor Finance. I paid off the car in XX/XX/XXXX. I have still not received my title or lien release, both of which I need to finish titling the car in my state. I have contacted Hyundai Motor Finance ( HMF ), Hyundai, and the dealership multiple times. All parties have directed me to HMF for resolution. The HMF website claims that they have already sent the title documents to me. When I call the customer service number, I get an automated message saying that they have already sent the title documents to me ; and I can not get it to connect me to a person for assistance. 

I just want my lien release and title so I can finish titling my car. If there was a mistake or issue with the process, I want to be able to contact HMF in order to get the issue resolved. It's not that hard. Please make them send me my lien release and title and/or get in touch with me to let me know what they still need from 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 explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an check from XXXX insurance company, I deposited it into my account it was approved and ta few days later made available. The same day it was made available I had a problem with an insurance company charging my account which was unauthorized. I additionally received my paycheck, I tried to XXXX  my mom money for rent and it placed a hold. Okay so I waited for the morning and tried calling in and I have to speak to a fraud representative. This representative XXXX is very hard to get into touch with, the entire department is. I was told I would receive a call back Friday before the end of the business day after sending in proof of the check stubs and check from the insurance company and never received a response. I call in today and was told by a banking employee that they can only hold my account till Thursday XX/XX/2023. Upon finally speaking to an fraud agent I'm being told it can be held for 14-20 days. This is completely, unacceptable. I am a working adult who has bills and responsibilities and this type of service is unacceptable. I asked them if theirs an issue with the check to just remove it from the account and i will walk into the local bank where the check was issued, they don't wan na do that. They say it's about authenticating the check and I have worked at a bank, I know you can call them and ask. I just want access back to my account and the hold to be lifted.

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 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem.

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 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I noticed that my credit score been drop by a company call capital one I didnt consent nor authorize this in my name

Company response to consumer: Closed with non-monetary relief