vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I'm trying to conduct an electronic transfer from my BMO Savings Account to XXXX checking Account ending XXXX on file for XXXX and I can't get anyone to help my over the phone. I called Thursday XXXX and they told me use another device and I did and still couldn't conduct a transfer. Earlier this year when I first opened the account, I couldn't log in to view my account. I kept getting errors and the phone # to send a text message was different than the one I've owned for 15 years. On XXXX tried to make the transfer again and couldn't get it completed. The transfer link is blank and does not provide me with the optin to conduct a transfer. I called and they wouldn't do it over the phone and put in a research ticket that would take 1-3 days. I NEED MY MONEY TO PAY OFF A LOAN IMMEDIATELY. The last time I had an issue with an electronic transfer they took 2 weeks to get back to me. If this bank can't get it together, I need them to send ALL MY MONEY from both of my accounts to the XXXX A account on file ( attached ). I will open an account with another bank that has it together. I'm sick of wasting my life away with problems at this bank.

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 2024-06-09 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: CT

Complaint narrative:
I was a victim of identity theft. All types of credit cards and loans were applied for in my name without my knowledge. I talked to the credit bureau companies, they told me I needed to file a police report. I want these accounts removed off my credit. I listed the accounts that needs to be removed since I did not apply for these accounts. 
TRANSUNION FRAUDULENT ACCOUNTS TO BE DELETED : 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 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 2024-06-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested.

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 2024-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have made two payments now the last 2 months that have been reversed on Aidvantage 's end and never showed up on my bank 's end though I know there were enough funds in my account. 

I received an email stating once again my payment is late despite my making a payment on the XXXX of this month. I have not once been able to get someone on the phone and from what I've read online, countless others are having this issue and it's unresolved. 

I'll be calling again in the morning, but this is wild. The company has been accused of " mismanaging funds '' and apparently is new to the student loan game, but I am incredibly stressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX They did not provide me with the original contract as requested.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In short Im currently dealing with rectifying being a XXXX XXXX XXXX XXXX and identity theft and over the years Ive made countless complaints and disputes with a company called XXXX XXXX XXXX XXXXXXXX XXXX this has been on my credit report going on 7 years and I had gotten it removed just for them to continue to re add it to my credit file which has resulted in my score going down and negatively impacted the quality of my life please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I posted an item for sale on XXXX XXXX and had a scam account try to contact me and buy the item. I was unaware and desperate to get my item sold within a reasonable amount of time as I was getting ready for my move. XX/XX/2024 I was told I received my payment but that I needed to send out an additional payments to secure my funds, which lead to more money being sent back and fourth using digital money applications such as XXXX XXXX and XXXX and XXXX XXXX. These people that were in contact with me made me feel as if they were actual customer service XXXX agents and told me if I didnt comply my accounts would be suspended and deactivated due to fraud. A lot of mental exhaustion and stress that I dealt with unfortunately, and still am. The amount that was taken was {$1300.00} total. Wells Fargo never reached out letting me know of my status and never gave me documentation, regarding why it was even denied. When I first contacted Wells Fargo I was notified that I would receive information on the processing and status of my claim.

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 2024-06-09 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: DISCOVER BANK
State: TX

Complaint narrative:
I know from reading my credit report that you say I have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681 eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.

Not only is this illegal, this account is a fraudulent account that yall still have yet to remove from my credit report. I have submitted an FTC report along with proof of address and identity. This account must be removed from my credit report immediately or else my lawyer will seek litigation and compensation for each and every inaccuracy. 
Credit Card Account Charged Off : XXXX XXXX XXXX - Fraudulent Account Account Balance : {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: DISCOVER BANK
State: TX

Complaint narrative:
I know from reading my credit report that you say I have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681 eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.

Not only is this illegal, this account is a fraudulent account that yall still have yet to remove from my credit report. I have submitted an FTC report along with proof of address and identity. This account must be removed from my credit report immediately or else my lawyer will seek litigation and compensation for each and every inaccuracy. 
Credit Card Account Charged Off : XXXX XXXX XXXX  - Fraudulent Account Account Balance : {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
company reporting inaccurate and incomplete information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am not liable For this debt with XXXX XXXX. I did not open account with this creditor. I have requested the original contract and it has never been provided.

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 2024-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
My mortgage was recently transferred to NewRez. I have autopayment set up on my account for which payment cleared in XX/XX/XXXX. 

On XX/XX/XXXX a second payment was deducted from my account. I contacted NewRez which required navigation of a long phone menu. After contacting customer support they said it was a known issue for all recently transferred accounts. A second payment was deducted via ach in error and was scheduled to be reimbursed. No timeline to reimbursement provided. No notification of the error. No message posted to their site, noting the issue. 

Payment was returned the following day. On the next day a third payment was deducted from my account. As in the first instance, I called and the agent said it was a known issue and that funds would be returned the following week. 

I asked what was being done to remediate the issue. The agent was not aware. I asked the agent for a concession given the withholding of funds for a period in excess of 5 business days. No concession granted.

I was then directed to a manager who could not explain the root issue, nor provide a concession for funds withheld. 

No notification of their error or communication has been provided by NewRez

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: CA

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account ( XXXX ) : ( XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2024, I submitted dispute # XXXX with USAA Bank because an employee working at a hotel where I stayed frequently used my debit card to make purchases and ATM withdrawals without my knowledge or consent, she was receiving help from a person who my girlfriend at the time. The transactions totaled over {$14000.00}. USAA provided a temporary credit, and then they " investigated '' I even gave them the name of the responsible party, and also let them know that the hotel management was aware, that I was not the only victim, and that she had fled the country ( to this day XXXX is looking for her ) after I provided all this information I was fairly certain that USAA would resolve the dispute in my favor, but what they said was that after a " thorough investigation, '' they determined the transactions were not fraudulent and that they based that decision on " information they had available at time of review ''. At no time did they reach out to the merchants or the banks, as they are required to do, and at no time did they send ANY information to me which would justify their findings. They then debited the provisional credit they had provided me, they also STOLE over {$1200.00} from my XXXX account, because I had wire transferred that money while I was waiting for USAA to replace my compromised debit card, and then they closed my checking account, and now they refuse to re-open an account for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a Wells Fargo Credit card with {$18000.00} credit limit. Besides being on auto pay, I made an additional payment of {$17000.00} on XXXX to free up available credit so I can continue to make purchases. 
When I made this additional payment, it cleared my bank account XXXX and was listed as a {$17000.00} payment on my WFCC  XXXX. It does NOT however give me more available credit. WF says they can take up to 20 days to post it to my credit even though it has cleared my bank and theirs.

There was nothing in the credit card application with this information. When the payment was made to the CC, I get a confirmation that says : When will this transaction take effect?

Transactions submitted by midnight Pacific Time will be sent immediately and will take effect the same day. You can not cancel the transaction once you submit it.

If you make a payment on the last day of your statement cycle, well apply it to your account that day. Note : These payments may not appear on your monthly billing statement or your credit report until the following statement cycle.

What happens if there isn't enough money in my account to cover this transaction?

If the From Account does not have enough money to cover this transaction, your payment will be reversed from your credit account and fees may apply. Please refer to your other bank 's policies on insufficient funds and overdraft protection.

How will this transaction be processed?

It may take up to four ( 4 ) days to fully process this payment between Wells Fargo and your other bank. This does not change the date your payment will take effect. 

Please do not reply to this automated email. 

XXXX XXXX XXXX XXXX XXXX I have never heard of anything like this and feel it is illegal to treat my payment as such. 
Please let me knwo if they have the right to do this based on my payment confirmation.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX, XXXX, I received a Chase XXXX XXXX XXXX card. I was the primary cardholder for this account. On XXXX, XXXX, I left the business that this card was used for. On XX/XX/XXXX, the total amount on the card was paid off and I put a freeze on the account. Unfortunately, the account Freeze did not stop some pre-authorized charges from occurring. Since I was unaware of these charges, this account became past due. The problem that came up was that Chase did not mail any notices of this to the primary address, which is my home address. Instead, they mailed it to the business that I was no longer at. In addition, because I opted for Paperless, I should have received electronic statements showing the past due amounts. However, someone changed the email address on this account from my email to the email XXXX. I never authorized this change nor do I even know who this is. The result was that I did not get any electronic notices for this account. On all three credit bureau accounts they show a 60 and 90 day past due mark which has negatively impacted my credit score. Upon noticing the issue during a routine credit report check in XXXX, XXXX, the amount past due was paid in full. In the last 7 months I have tried to get Chase to remove these derogatory marks from my credit reports to no avail. I mailed notarized letters to all three credit reporting agencies yesterday but wanted to make a complaint as well. The account # for this business card is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I attempted to request a credit limit increase with the financial company known as Goldman Sachs, on their credit card known as, Apple Card. After multiple attempts to receive a credit limit increase with the company, I was messaged, on different occasions, with the same response. Your recent payments on Apple Card did not cover a significant portion of your monthly balance. This however does not make sense as I paid balance for May, in full a week before the billing statement date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
I was trying to transfer money to my girlfriend 's bank account in the XXXX XXXX using Remitly. I have used Remitly dozens of times to successfully send money to her that was picked up at XXXX XXXX. I chose to send directly to her account on this occasion because the amount ( {$14000.00} XXXX ) was large, and I didn't want her to pick up that kind of money at XXXX XXXX. The transfer was made on XX/XX/year>, and as of XX/XX/year>, the money still isn't in her account. 

I have corresponded with Remitly via chat on seven different occasions and have a transcript of each chat. I have also spoken with Remitly at least four times to try to resolve this issue. Remitly did send a notice ( and I will attach a receipt ) that the transfer was completed successfully, though it wasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the handling of my credit report by the credit bureaus. Despite their assertions of conducting a thorough investigation into reported inaccuracies, it has come to my attention that such investigation was not carried out effectively. 

Upon thorough review and investigation of the supporting documents provided, including an identity theft report and attached police report, it has become evident that certain accounts have been inaccurately attributed to me. As per my rights under the law, specifically 15 USC Section 602 A, I request immediate action to rectify this situation. This law also states a consumer reporting agency can not furnish an account without my written instructions.

The following accounts, which I believe to be the result of identity theft, must be promptly removed from my credit report : 1. XXXX XXXX - Account ending in XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX ending in XXXX, XXXX 4. Affirm - Account under reference XXXX  I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that the credit bureaus conduct a thorough and proper investigation in line with the law. Your prompt attention to this issue and assistance in resolving it would be greatly appreciated. 

Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Can not stop Experian email alerts. Tried to call to cancel " membership '' but seems impossible. Can never get to a human, just a constant loop of automated responses that do not allow me to cancel membership and stop alerts. Also see no way to cancel membership online. multiple calls and searches online today, XX/XX/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