vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
1 ) Wells Fargo bank keep denying my claims of {$30000.00} over 6mo. without any research and consultation with me. Bank stopped sending me paper statements since XXXX and each mo. every time when I go to deposit at the bank tellers and officers all said call customer service. They said my account is online and paper so nothing they can do. I had been treated so badly past years XXXX, XXXX and XXXX. WF said no record of my claims but this is not true. 

2 ) XXXX XXXX  who cashed asked me to tell WF bank to submit complain to XXXX XXXX  by SP branch manager and legal dept at XXXX XXXX. Nothing they can do without WF bank starts to negotiate with them. I requested this many times to XXXX in the past. 

3 ) FBI L.A. branch manager and XXXX XXXX XXXX  managers from 2 branch, XXXX  XXXX XXXX legal dept all told me WF bank should give me credit $ XXXX within 10 days of claim and balance within 40days. Not rejecting customer with 30days clause of deposit agreement. I had never received this agreement. I was told to sign only a machine and never got copy and I didn't see any information attached to when I opened new account.These bank definately will reimburse to my case after they researched.They told me this fraud to be reimbursed by different law and customers are protected since XXXX. 


4 ) I recently received a copy of signature card/sheet and surprised some info is outdated and I will check before I signed it if I was shown. This is very bad practice. 

5 ) WF bank opened new account without my signatures and info at all on XX/XX/XXXX. 
They requested and demanded a mo later with all my personal info. ( Drivers license #, social security full number, my mothers maiden name and address with my account #. ) so as my son 's info. This was shocked. 

6 ) Even I walked in the branch, no one will help me without an appoint except tellers. 
Even I am inside of the office the tellers and manager told me to call for an appt. 

7 ) Knowledge of employees at the branch and claims dept, executive offices all of them are not so knowledgeable and everyone answered different. Very low level at all dept.

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 2023-08-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See attached documents. Remove this personal information that does not belong to 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 2023-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Why is it that when I use a credit card my credit is affected IMMEDIATELY. But when I pay off a credit card it's NOT reported IMMEDIATELY? 

That is wrong and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I applied for American Express Gold card on XX/XX/2023. I got a letter indicating that I have been deined due to XXXX XXXX with a XXXX party agency. I was declined due to a credit report from a 3rd party agency information. I have equal opportunity to all opportunities. On XX/XX/2023 XXXX advised that I sent letter to claim rights, title, interest, and equity that were owned to principle at the initial consumer credit transaction, operating under the truth and lender statute and demand to reverse this denial. It is damaging my livelihood. The deinal is a violation of 15 U.S. Code 1691 " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter. ". They responded on XX/XX/2023 indicating that the denial stands. On XX/XX/XXXX I sent another letter with the same verbiage as first letter incidating that I can not be deined based upon a XXXX party. i called and advised to reverse the denial and they advised that I would need to have a better XXXX XXXX to get approved which is telling me that applicants with a better XXXX XXXX would be able to get approved which is discrimintion.The I received another letter indicating that there are many factors including information about personal resources and credit bureau information that made them deny me and that the decision is based in part or in whole on information in the credit bureau report. The are in violation of 15 U.S. Code 1691 due to me exercising my rights to credit they have deined me which is discrimination. It is my right to be extended credit per 15 USC 1691a ( d )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 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 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 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 2023-08-10 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 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 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 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 2023-08-10 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: TX

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Credit Karma account Someone hacked my account. Changed my email and phone number, tried to withdraw funds, made two purchases and ordered another debit card. CK did return the two purchases after I disputed them. Now, they have frozen the account and I can not see any part of my account. I had a direct deposit of {$300.00} go in last night because I could not stop it in time from my employer. I have tried to call and spoken to a supervisor and all they told me is that it has been escalated to a specialist back office team. They will not transfer me to anybody to discuss my case. Will correspond via email only. The emails Ive received explains that theyve done basically nothing. I can not contact anybody from a fraud department or anything from this company ; no one will call me. I need this money to feed my family. Theyve allowed some security breach for someone else to change my information and now they wont do anything to fix it and theyre holding {$320.00}. I reported over a week ago and they just opened my case on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/XXXX, I deposited XXXX checks in person at the PNC Bank located at XXXX XXXX XXXX, XXXX, KY XXXX, to be deposited in my checking account with PNC. The amount of the XXXX checks totaled {$270000.00} - primarily my Federal tax refund check from the IRS, but also my Kentucky state tax refund check ( {$7600.00} ) and a small escrow check from XXXX XXXX  XXXX ( {$1600.00} ). 

At the time of this writing ( XX/XX/XXXX ), the funds have still not been made available for me, and PNC will not give me an estimated time of release, saying only that they are " under fraud investigation ''. I wish to invest these funds, so at this point I am suffering financial damages from the inaction of PNC bank to release this money because they are costing me dividends I could be receiving. Additionally the {$600.00} that was originally in my checking account is no longer available. 

I have spent over XXXX hours on the phone trying to talk to the right people at PNC, but nobody can help me. I have visited the branch XXXX times since depositing the checks and that has also been a huge waste of time. I seem to have no options to do anything about this, and I really don't understand - doesn't PNC *want* my business??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: TX

Complaint narrative:
See attached documents. Remove this personal information that does not belong to 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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened up a checking account with Truist for a {$400.00} offer if I met certain terms. The terms were to deposit {$50.00} when opened account online : I did that. The other terms were to complete 2 direct deposits totaling {$1000.00} or more. I set up direct deposit and deposited {$500.00} each pay period. When I checked, it said the offer never applied. I opened a complaint with Truist and they told me their promotions team would open a research request. I member of the team called me and told me that I do in fact qualify and have met the terms but that the promotions team has a major backlog of items to go through. I was told 25 business days for a resolution. Those 25 days ended XX/XX/2023. I reached out again and was told it would be an additional 25 business days to research why the promotion didnt apply, even though it was confirmed by their team member that I have met all qualifications. They are asking me to keep the account funded with the money until they can get around to the request. Which is an additional 25 days. This is misleading and the fact that they have a major backlog means that they have done this to several other people. I see ads for them promoting new offers and they should not be advertising something they do not intend to deliver to their customers.

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 2023-08-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: OK

Complaint narrative:
This bull was for a month of service that I didnt have with XXXX XXXX I dropped the box off a while after I had service stopped but they didnt close my account in the correct amount of time, raised my bill without telling me I was losing the package because I moved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
My Name is XXXX, I live at XXXX XXXX XXXX XXXX, LA XXXX PH # XXXX I have had some health problems that cause me to lose my job and and a result my house payments got far behind. I have been trying to get a load nodification. Rushmore Management is PURPOSELY giving me a hard time requesting documents I already sent and asking for bank account information I don't have and never had. I once did gig work with XXXXXXXX XXXX XXXX XXXX and XXXX.I never had a business account. my pay was loaded to their pay card. I sent statments to show that. I am now working full time 40 hours per week and can afford to make my house payments but Rushmore is PURPOSELY wasting time with asking for information that is nonexistent or what I already sent so they can forclose on my property. I am asking for help. I want to keep my home. I understand the payments must be made monthly and on time. I can now pay but my lender is operating in a un business like manner. my loan acct # XXXX. I also called today to check the status of my modification and spoke with loss draft department their ID # XXXX, to only learn my mortgage company is still playing games. The under writer who is assign to my account is very difficult to work with. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Please refer to the last complaint XXXX. This ccomplaint was sent to XXXX aswell On XX/XX/2023, both myself and the owner of XXXX XXXX showed up at XXXX XXXX XXXX branch at XXXX XXXX XXXX XXXX XXXX, XXXX WA, XXXX to get our {$3000.00} dollar back. We worked with the banker there, but XXXX fraud department is unwilling to work with us to get our money bank. XXXX required Chase bank to recall the funds. Both myself and the sender ( XXXX XXXX ) talked to Chase Bank on multiple occasions. Chase Bank stated the money transfers were verified and that they can not reach out to XXXX because of their policies. Now I understand that XXXX deemed this is suspected fraud from the beginning, but all misunstandings would have been prevented if XXXX did their investigation and reach out to Chase to verified the transactions, but the process did not get done. We can not help but feel helpless that none of the banking institutions are willing to work with us. These are not XXXX or Chase money, but they are holding our money without providing working solution. We can not help but feel robbed of our hard earn money. Both myself and XXXX XXXX are willing to work with XXXX or Chasebank to find a solution. XXXX XXXX is willing to talk to XXXX and provide any information that is required I plead to CFPB to investigate this situation and help us find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP
State: OR

Complaint narrative:
Please refer to the last complaint XXXX On XX/XX/2023, both myself and the owner of XXXX XXXX showed up at Keybank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX XXXX to get our {$3000.00} dollar back. We worked with the banker there, but Keybank fraud department is unwilling to work with us to get our money bank. Keybank required XXXX bank to recall the funds. Both myself and the sender ( XXXX XXXX ) talked to XXXX Bank on multiple occasions. XXXXXXXX XXXX stated the money transfers were verified and that they can not reach out to Keybank because of their policies. Now I understand that Keybank deemed this is suspected fraud from the beginning, but all misunstandings would have been prevented if Keybank did their investigation and reach out to XXXX to verified the transactions, but the process did not get done. 

We can not help but feel helpless that none of the banking institutions are willing to work with us. These are not Keybank or XXXX money, but they are holding our money without providing working solution. We can not help but feel robbed of our hard earn money. 

Both myself and XXXX XXXX are willing to work with Keybank or XXXX to find a solution. XXXX XXXX is willing to talk to Keybank and provide any information that is required I plead to CFPB to investigate this situation and help us find a solution.

Company response to consumer: Closed with non-monetary relief