vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have had my Wells Fargo XXXX payments automatically deducted from my credit union account for years. When COVID hit, Wells Fargo stopped automated deductions from the account for many, many months. Given this, I assumed something was wrong with the automated debit agreement, but did not have time to address it. Since I am a responsible credit consumer, I continued to make payments on my HELOC on time on my own through Wells Fargo 's website. During this time, I stopped funding the credit union account to cover my automated debits. In XX/XX/XXXX, Wells Fargo resumed making automated debits from the same credit union account without notice or warning. Since the account was not funded, it overdrew my credit union account. I assumed responsibility for this since I had an automated debit in place. However, since my payment behaviors had changed, I did not want Wells Fargo to continue automated debits from this account. I continued to make on-time payments on my own through their website. I took further action to prevent future debits from that account by removing that same credit union account from my Wells Fargo profile where I listed checking bank accounts I use to submit payments to Wells Fargo. In doing so, I assumed that I was removing permission from Wells Fargo to ever access that account again, thereby protecting myself from future credit union account overdraws. However, in XX/XX/XXXX, Wells Fargo used that same account to make an automated payment. On XX/XX/XXXX, I spoke with Wells Fargo, explaining all the above and requested them to never again use my credit union account. I further requested a refund of {$58.00} to cover XXXX NSF fees issued by my credit union for the XXXX attempts Wells Fargo made to withdraw funds on XX/XX/XXXX and XX/XX/XXXX. When they declined, I asked to speak to a supervisor. I was put in touch with XXXX XXXX, who promised a resolution within 3-5 business days. When I had not heard from her, I placed another call to Wells Fargo on XX/XX/XXXX with a promise on an answer to refund those fees within the next 1-2 business days. I have not heard anything more to date.

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 2022-04-04 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 — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I received a letter from XXXX  collections in regards to a XXXX XXXX XXXX XXXX policy. I contacted the collection agency and informed them that I was already covered with another Insurance company. Upon me speaking to and agent I was told to submit documents on file. I uploaded those documents and never heard back from the company. I even signed up for emails so I can get notified once they processed the paperwork I submitted online. There have been no letters sent to my home or email address once I made initial contact with XXXX. It was not until the account showed up in collections on my credit report that I knew the information submitted was not sufficient for what they had in collections. I spoke with a super visor name XXXX who said letter were sent to my home, but speaking to XXXX their systems said the letters went out via email. Currently on the phone for XXXX time, still today and she in informing me that it could have been sent to my junk folder and they don't make collection calls about accounts. I said that doesn't make sense when the previous agent stated they couldn't remove the collections account completely, but only update it to " paid in full '' because they made attempts to call me. There is no consistency with anything anyone tells me. I am requesting the remove the collections completely because their system is not sending out the emails or letters. They have no records of contact with me that are not only c correct but that they can validate or confirm. I was not given the fair opportunity the paid this before it hit my credit file, because I never heard back from them as the agent stated. I paid it in full only XXXX of the agents could tell from the notes that the communication noted on my account was inaccurate and that I was completely in the dark about it being owed still.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I requested a retirement check from XXXX XXXX in the amount of {$2400.00}. On XX/XX/XXXX, after I still had not received the check, I called XXXX XXXX who said that according to their records the check was cashed via mobile deposit on XX/XX/XXXX. The provided me with an image of the check that was deposited which shows XXXX XXXX of XXXX XXXX, CA and his signature ( image is attached ). I also obtained an image of the check that was sent from XXXX XXXX ( also attached ) which shows my name and address. XXXX XXXX forged the check to show his information and deposited into a Bank of America account. I did not authorize this, nor do I have any relation with anyone named XXXX XXXX. 

Now, as of XX/XX/XXXX, XXXX XXXX is working with their bank, XXXX XXXX Bank, to recover my funds. But I think Bank of America should be responsible for recovering my funds because they allowed a doctored check to be deposited illegally. 

I'm also attaching a copy of the police report that I filed, if that's helpful.

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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Checking account opened in my name, address, email, and SSN through Bank of America. Initial notice received on XXXX/XXXX/2022. Called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX to have account closed. Bank states the account is frozen, but will only close if I submit personal documents such as SSN, drivers license, and more -- which I am not willing to provide. I received an account statement on XXXX in mail. I called Bank of America and they confirmed they have yet to close this account.

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 2022-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2022 I have received an electronic statement notification from my credit card, a XXXX XXXX product. I didn't opt in for electronic notification so I attempted the card to be switched to the paper statement. 
on XXXX I called the number on the back XXXX XXXX and during the call to the call center in XXXX it was apparent to me that the person taking the call, XXXX, did not understand or comprehend what I was asking for. When I asked him to repeat what I was asking for ( switch to the paper statement ) he was unable to repeat it. Subsequently I asked for the US based supervisor and I was put on long hold and then at XXXX I was hung up on. 
I called again and after dealing with another XXXX based call person I was finally transferred to the supervisor in XXXX who after giving me the name XXXX and XXXX XXXX XXXX XXXX I was suddenly hang up on. 
The third call finally got me to the call center representative who was kind enough to forward me to the call center employee in the US.

Issues : 1 ) why the Citibank sent me an electronic statement reminder as I did not switch to it and prefer paper statement?

2 ) Why is the company disrespectful and negligent enough to outsource the CSR jobs to call center companies that not only poorly treat customers but do not have a basic comprehension of the English language to offer ANY meaningful assistance?

3 ) Why is the Citibank not willing to offer a letter of apology and steps put in place to make sure that what happened to me doesn't happen to others? What about 40 plus min wasted out of my life for a simple matter of having the paper statement sent 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 explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
Citibank locked my account due to they said they were doing a fraud investigation. I have no idea why or what would have caused them to do this. However, they said 90 days. It's been almost 6 months! I have over {$1100.00} in that account, and they only give me the run around. They have blocked me from even being able to access my account online, and I'm on paperless billing

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 2022-04-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, ( XXXX XXXX XXXX, XXXX account # XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C1681 section 604a section 2, states as well that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, ( XXXX XXXX XXXX, XXXX account # XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C1681 section 604a section 2, states as well that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-04 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX does not have my consent to report on my consumer credit report. I did not apply for a loan. Banks dont loan money. I have only ever received extensions of my own credit. Cease and desist communication. This account is fraudualent. An identity theft report has been filed. This account needs to be removed immediately as previous attempts with credit bureaus since the day it showed on my report have not been successful.

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX does not have my consent to report on my consumer credit report. I did not apply for a loan. Banks dont loan money. I have only ever received extensions of my own credit. Cease and desist communication. This account is fraudualent. An identity theft report has been filed. This account needs to be removed immediately as previous attempts with credit bureaus since the day it showed on my report have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX does not have my consent to report on my consumer credit report. I did not apply for a loan. Banks dont loan money. I have only ever received extensions of my own credit. Cease and desist communication. This account is fraudualent. An identity theft report has been filed. This account needs to be removed immediately as previous attempts with credit bureaus since the day it showed on my report have not been successful.

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 2022-04-04 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: IL

Complaint narrative:
Dear Sir or Madam : Theres inaccurate and incomplete information listed on my credit report. I have made multiple attempts to get this information resolved! Ive been ignored with no response! Im requesting that the following information thats appearing on my credit report be removed at this point. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 fu
rnish an account without my written instructions.

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 2022-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a form answer from my last request. 

I was scammed in a puppy fraud scheme. I contacted my bank. My bank is a partial owner of the company they hide behind as they say 'XXXX  ' is not responsible. I was told when I signed up for XXXX by Wells Fargo service that the service was like XXXX. If there is an issue with XXXX, there is due diligence, fraud protection, and consumer safety from scams.

I was scammed by fraud in a puppy buying scheme.

Banks are supposed to protect consumers from fraud. It's the law. Yet Wells Fargo who is one of the owners of XXXX sends a form letter saying they are not responsible because the consumer was defrauded and hit the button believing fraud. 

I am more than unhappy. This is not protecting the consumers. It's creating a corporation to hide behind and shirk responsibility. I was a victim of a fraud.

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 2022-04-04 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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX Amount $ XXXX collections Account # XXXX amount {$430.00} The XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX Amount {$220.00}. XXXX collections Account # XXXX Amount {$480.00} has violated my rights. 

15 U.S.C1681 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 account without my written instructions.

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 2022-04-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX Amount $ XXXX collections Account # XXXX amount {$430.00} The XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX Amount {$220.00}. XXXX collections Account # XXXX Amount {$480.00} has violated my rights. 

15 U.S.C1681 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 account without my written instructions.

Company response to consumer: Closed with explanation