vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
It was around XXXX on XX/XX/XXXX while sitting down at my houses table that I decided to check my account balance at the wells Fargo app when i noticed there was a wire transaction that was just made the day before XX/XX/XXXX for the amount of {$40000.00} dollars, I got really confused i asked my husband if he made that transaction he said no I said me neither so we decided to call wells Fargo customer service to find out what happen they told us basically the transaction was made in person and there was nothing they could do over the phone that we had to file a claim in person at a branch. Next day XX/XX/XXXX we went to a branch to file a claim we stood there for about 3 hours they said they were going to make a recall on that money that day which they didn't we found out on XX/XX/XXXX when we went back to the bank they barely did the first attempt on XX/XX/XXXX which isn't right they said wait after the recall 10 days if no answer from the recipient bank they were going to transfer the case to the fraud dept It is been over 2 weeks now and all i heard from them is that they were not going to take responsibility over that money basically If I saved my money there is because i thought it was going to be ok not to find out some one in VA was going to impersonate me to still my money that easy I live in CO how can that be possible at a bank and why they do not want to respond when they allowed someone without nothing but a phone and a PIN number and obviously a fake ID to make a transaction for that amount of money in a state VA which I haven't been when they can see all the transactions are made in CO and for that much money. I went to the sheriffs dept to start a case I hope they are working on it because it is been a really hard last 2 weeks just thinking about that getting no good news from the bank that they do not want to give me back my hard earned money because I firmly believed it is 100 % they're fault for allowing someone to make such a wire transaction that easy I would like to get a lawyer but they said it is hard to fight banks and plus i have no money to afford one I really hope you guys can help me because it is really hard mentally and economically I've been mentally harmed damaged by all of this that ai really hope you guys can help me out with this and help me get some kind of psychologist help or some because by listening to the bank not wanting to give the money back is hard on me and my family even though it is 100 % they're responsibility

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 2022-05-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is again reporting on XX/XX/XXXX XXXX XXXX XXXX dba XXXX XXXX product XXXX XXXX  loan # XXXX as XXXX days past due to XXXX, XXXX, and Experian in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation. This is the second loan that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan. 

This was not resolved with previous investigation and I am attaching a screenshot dated XX/XX/XXXX that shows the account is due for XX/XX/XXXX. 

The account is current!

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 2022-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my freelancing. My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO

Complaint narrative:
Made an ACH payment. The mortgage bank lost the payment and charged me an XXXX dollar late fee

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 2022-05-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX # Account Number XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX  XXXX, XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX, XXXX XXXX, Account Number XXXX XXXXXXXX, and XXXX XXXX Account Number 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 furnish a 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 2022-05-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX # Account Number XXXX XXXX, XXXX XXXX  XXXX XXXX Account Number XXXX XXXX, XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX, Account Number XXXX  XXXX, and XXXX XXXX Account Number 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 furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is again reporting on XX/XX/XXXX XXXX XXXX Bank dba XXXX XXXX product XXXX XXXX  loan # XXXX as 30-59 days past due to Transunion, XXXX, and XXXX in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation. This is the second loan that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan. 

This was not resolved with previous investigation and I am attaching a screenshot dated XX/XX/XXXX that shows the account is due for XX/XX/XXXX. 

The account is current!

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 2022-05-20 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: NCP Holdings, L.P.
State: TX

Complaint narrative:
XXXX is again reporting on XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX product XXXX XXXX  loan # XXXX as XXXX days past due to XXXX, XXXX, and XXXX in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation. This is the second loan that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan. 

This was not resolved with previous investigation and I am attaching a screenshot dated XX/XX/XXXX that shows the account is due for XX/XX/XXXX. 

The account is current!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
BridgecrestXXXX  is reporting inaccurate information to all credit bureaus. They're reporting to XXXX that I have over 5 missed payments and the account is in negative status. However, this vehicle was totals in XX/XX/2021. It was paid in full and in good standing and payments were made until the point insurance took over. They have reported that insurance took too long to send a check therefore inaccurately reported delinquency. My insurance partially paid and quick. Their additional GAP insurance issued through XXXX XXXX  is what prolonged the check. This is a partner company for them so they both should have been communicating with each other. 

I have contacted the CEO of the company, and she made an XXXX call from the executive offices who was no help whatsoever.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi Sir/ Madam, I am a victim of Romance Scam.. When I doubt already that I am being scam I stop sending money to the guy and later on he admitted that the picture is not his pictures.. so I called the FBI and FBI agent told me to file a complaint to IC3. gov and the FBI lady told me to call your bank and they will return your money back The real name of scammer is XXXX XXXX claiming to be XXXX XXXX a police officer in PA, USA We plan to get married and buy a house a modular home.. so he said he will put money there and I put money also in the modular home so I sent money through XXXX claiming to be his uncle XXXX XXXX XXXX and Aunt XXXX XXXX actually the one for XXXX XXXX he did that transaction which is the amount of {$1900.00} through XXXX coz I trust him already coz we are about to get married the date of that transaction is XX/XX/XXXX, XXXX I filed a dispute with Citibank but they never help me to return my money back.. The other transactions are XX/XX/2020 XXXX transaction to XXXX XXXX XXXX amount {$1500.00} also XX/XX/2020 XXXX XXXX XXXX amount {$2500.00} then XX/XX/2020 XXXX XXXX XXXX also {$2500.00} and lastly XX/XX/2020 amount {$2500.00} Total of {$10000.00} for 5 XXXX transactions, Claim # is XXXX Actually they gave me a temporary credit for this 5 transactions but they reversed the transactions because when XXXX the investigator called me I am not available so I tried to call back several times I cant get hold of XXXX but somebody called me in XXXX dispute department when I answered it he doesnt want to talk I said I know it is from Citibank XXXX dispute because I add that phone to my contact list.. I keep saying Hello are you there? but he hang up the phone after he called me.. it might be XXXX from XXXX dispute an investigator but I not sure but I am pretty sure from XXXX dispute department because it showed on recents calls that from XXXX dispute department and I called Citibank again and refilled again but unfortunately they dont want to help me return my money back.. The date that I refilled the XXXX disputes was XX/XX/XXXX, XXXX but I have no luck to return my money back with the help of Citibank.

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 2022-05-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CrossCountry Mortgage LLC
State: WI

Complaint narrative:
CROSSCOUNTRY MTG/XXXX  is showing on my credit report that I have a late payment, but my balance is up to date could you please remove this from my credit report because it's bringing my credit score down. I do not understand why I have a late payment showing when I am currently in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citi Bank Account was set for closure in XX/XX/XXXX with XXXX $ in my account. I called every other day they always say 30-60 days before I would receive a check. Its now XX/XX/XXXX and they still are saying the same thing. I just want my money from my account that was wrongfully closed. Have seen more people complain about the same situation. I can not log in to access my own 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 2022-05-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/XXXX, Experian -- Today XX/XX/XXXX I talked to XXXX XXXX also know as XXXX XXXX | Restoration Specialist | XXXX, a part of Experian XXXX Experian XXXX XXXX XXXX XXXX XXXX Ext. XXXX -- I notified XXXX about the XXXX XXXX XXXX  identity theft. She advised me of the reinvestigation that will take place. I also emailed her the documents that are attched to this compliant as proof that I was residing at my present address when the identity theft took place. XXXX XXXX XXXX  sent me a letter asking for proof of address when the identity theft took place in XX/XX/XXXX. I attached my XXXX, XXXX and XX/XX/XXXX as proof of location.

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 2022-05-20 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Ive been in contact with affirm for months stating there was a purchase on the account made without my authorization. On XX/XX/22 I received a notification stating that a bill was due totally {$1600.00}. They will not freeze the account and my credit is taking a toll. There was information stating the order was delivered to Delaware where I am not a resident. Ive talk with supervisors that have no authority and changing the balance amount or have helped me to resolve this case. They state that actions go through a fraudulent team which we can not contact. They will not give us any evidence to justify there decision. Im deeply distressed for I cant resolve this issue and can receive no help even after the fact they state If fraud occurs on your account, youre protected. We investigate claims of unauthorized activity, and will make sure youre not held responsible for any purchases we find are not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: DriveTime
State: OH

Complaint narrative:
XXXX XXXX/Drivetime is reporting inaccurate information on my credit report making it look like the account is in negative standing. However, this account was paid in full, partially by my insurance company and the remaining balance with the GAP insurance that was included when I purchased the vehicle. This vehicle was totaled in XX/XX/2021, payments were made up until that point on the vehicle on time and then insurance took over. However, they're reporting that since it took so long for XXXX ( Gap insurance ) to issue them a check that I was delinquent. XXXX is a partner company with XXXX XXXX/Drivetime, so I am not responsible for issuing the checks. Since they're a partner company, they should have maintained contact with them and got their check in an efficient manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The complaint is that my credit card accounts are being returned when I paid them off. I believe I am a victim of identity theft and the person is using my credit card accounts to take money off once I have paid the bills on them. It has affected my credit as well, with the recent drop in a credit score of XXXX points from all three agencies. The money has not been sent back to my bank account and I have checked multiple times in my account. The funds have not been returned. I have been getting fraud numbers from credit card companies posing as credit card companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 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: CT

Complaint narrative:
Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXX XXXX XXXXXXXX. 

- XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX. 

- XXXX XXXX  XXXX. 

- XXXX XXXX. 
XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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 2022-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, a person took out a personal loan in my name in the amount of about {$16000.00} from XXXX XXXX. I contacted the company and they confirmed it was not me and that I was victim of Identity Theft. I followed up with them several times. They finally sent me a letter dated XX/XX/XXXX. In the letter, they confirmed they would close the account in their system, contact the credit agencies to delete the trade-in from my credit report. They also confirmed it would be removed from my credit report since I had contacted them prior to requirement for payment. Since then, they have reported I am delinquent in the account to all ( 3 ) credit agencies. Experian, XXXX, and XXXX have now all reduced my credit score and reported to me that I am delinquent on this fraudulent account. This is not my account, I am a victim of Identity Theft and while promising to resolve the situation quickly, they have instead created more work for me to resolve the situation.

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 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I received an email on XX/XX/18 about an account that was opened at TD Bank a checking and a money market I have never open an account with them its not even a bank location close to me to even open an account

Company response to consumer: Closed with non-monetary relief