vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 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: NY

Complaint narrative:
As of XX/XX/2023 my address remains inaccurate my address should be displayed as follows as XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. That is my most accurate address to date anything other than my current accurate address displayed on my credit report findings is an inaccurate reporting on my credit report with Experian, XXXX XXXX and XXXX anything other than my current correct address should be immediately removed and delete it and updated as follows.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo charged me exorbitant over draft fees for years until I closed the account completely.

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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I received a notification that there was a delinquent account added to my credit report that is not mine from XXXX XXXX XXXX XXXX I have no record of this account and it is fraudulent. Balance shows {$760.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

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. 

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  : Reference # 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 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I mailed several letters from my place of business at XXXX XXXX XXXX, XXXX, XXXX. Several of these letters contained checks. Within the next two days, 6 of the checks showed up in my online bank account. They had been altered and {$11000.00} was missing from my account. After an extended period of time, CitiBank returned the funds to my account. In the interim, on XX/XX/XXXX, I put a stop payment on check number XXXX, which was confirmed by CitiBank. This check was written to XXXX XXXX ( one of my father 's aides ) for {$500.00}. This check had been mailed with the other altered checks, but had not shown up yet. On XXXX, amazingly CitiBank cashed this check! And it had been altered and increased to {$5000.00}. I didn't discover it and wasn't back in town to register the complaint until XX/XX/XXXX. After placing the complaint, I have called regularly about having the money returned to the account. Each time this is an extended process, usually taking about 40 minutes, to get to the right department and waiting through multiple holds. On XX/XX/XXXX ( 50 min ), I was told by XXXX that it would be returned to the account 5-7 days. Of course I complained that this was a " stop payment '' and should be returned immediately. On XX/XX/XXXX ( 40 min ), I was told it could take between 60-90 days. On XX/XX/XXXX, I was told by XXXX that it should be returned in 5-7 days. On XX/XX/XXXX ( 25 min ), I was told by XXXX that they were still waiting for an answer from XXXX XXXX XXXX Of course I countered with what does that have to do with this, since this was a check that had a stop payment on it. I asked for a supervisor and spoke with XXXX, who said this could take 90 days. I then interrupted and said that this already over 100 days from when CitiBank cashed the check ( XX/XX/XXXX ) and she replied that they count from when the claim was made and I countered again that that is also over 90 days ( XX/XX/XXXX to XX/XX/XXXX ). She just said she would put my complaints into the record. It's obvious to me now that CitiBank is not actively working on this and just keeps pushing it down the road, and since it's firstly a case of them cashing a check that had a stop payment on it, there was no cause for any of the postponement. Their lax security is the cause of these problems. If they are not pursuing any of these criminals, but instead just victimizing their own customers, aren't they doing the stealing and also aiding and abetting criminals?

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 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Best buy / CBNA XX/XX/XXXX I received a statement with a balance of {$58.00}, paid in full XX/XX/XXXX. XX/XX/XXXX received a statement with a balance of {$1.00}. I called into the customer service number disputing the {$1.00} charge as it was fraudulent, their response was they will take care of it. The next month I received another statement and so on and so on. XX/XX/XXXX I called the customer service number and they routed me to a person that stated my concern has been resolved and will be reported to the credit agencies posting XX/XX/XXXX. XX/XX/XXXX i reviewed my credit and noticed they closed the account due to delinquency. I called the customer service number again they are stating the charge was fraudulent and they closed my account for security reasons but cant make sense to how they " tab '' it within the system. Now they are stating it was resolved XX/XX/XXXX they applied the credit to the card but moved it to a different card, XXXX statement had a {$1.00} credit that's why the balance was {$58.00}. they cant make any sense of the whole situation. 
I opened this account up while i was in college, due to credit agencies reporting metrics, I kept the card for historical history and was fine paying the {$58.00} annual fee, now Im here from a XXXX credit score to a XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX my grandfather purchased an Investment Certificate in the amount of {$30000.00} from XXXX XXXX XXXX, XXXX Virginia. The Certificate states that it will bear interest the date hereof until original maturity at the rate of 6.85 %. The names on the certificate are XXXX XXXX XXXX and in trust for XXXX XXXX XXXX, which is my aunt. 

My aunt passed away on XX/XX/XXXX, leaving me as the beneficiary of her estate. I went into a local branch of Wells Fargo on XX/XX/XXXX, after researching whom XXXX XXXX was bought out by. I spoke with XXXX XXXX, Personal Banker at the XXXX XXXX XXXX in Virginia. He informed me that he would research the XXXX XXXX and contact me with his findings. On XX/XX/XXXX, XXXX XXXX contacted me and told me that his company was unable to locate any records regarding the Investment Certificate. The only recommendation he has was that I contact the Virginia Department of Treasury to determine if there were any unclaimed funds in either my grandfather 's or aunt 's name. 

I contacted the Virginia Department of Treasury on XX/XX/XXXX. The person that I spoke with informed me that no unclaimed funds existed under either name. She explained that financial institutions are obligated to send any unclaimed funds to the state. She also recommended that I contact the State Corporation Commission. 

I spoke with a gentleman by the name of XXXX with the banking section of the State Corporation Commission on XX/XX/XXXX. He was unable to assist, but recommended that I file a complaint with the SEC. He also stated that I may have to hire an attorney to resolve the matter. 

An online complaint was sent the SEC on XX/XX/XXXX. I have not received a response to my complaint as of this writing. 

On XX/XX/XXXX, I contacted the FDIC and was informed they were unable to help since XXXX XXXX of bought out by another financial institution. The person I spoke with recommended I file a complaint with CFPB. 

At this point, I'm not really sure what other measures to take to resolve this matter. If you have any additional questions or need further information, please contact me at ( XXXX ) XXXX. 

I have attached a scanned copy of the front and back of the Investment Certificate.

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 2023-01-20 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: NY

Complaint narrative:
Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX and Transunion have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Please see attachments

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 2023-01-20 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: NY

Complaint narrative:
Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, Equifax and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Charging late fees that were paid in full in XXXX XXXX bankruptcy.

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 2023-01-20 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: IL

Complaint narrative:
On XX/XX/2022 I was notified of a " 120 day late mortgage payment '' on my credit report. I thought this was strange because we were actively in mortgage forbearance through our mortgage company as well as being under the Covid clause per the government. Now I understand that this was lifted however, I was told by multiple different agents that the company had not been reporting for months. I immediately sent our mortgage company an email as well as a phone call trying to make sense of this. We also had made a payment in XXXX and XXXX so I wasn't sure why this was being marked 120 days past due. Understandably, I thought it was from covid but I pulled the credit report and nothing was reported during that time frame. They sent me a first class letter saying it was accurate -- that was it. Nothing in detail and it seemed to be very looked over.

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 2023-01-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed out dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently sent out disputes on XX/XX/XXXX and I have yet to receive a response from XXXX, Equifax, XXXX, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I mailed out dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently sent out disputes on XX/XX/XXXX and I have yet to receive a response from Experian, XXXX, XXXX, or 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
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TN

Complaint narrative:
My names XXXX XXXX. I lost my job due to covid and was unable to pay my last months rent. Apartment complex handed over debt to collections and is now on credit.Originally owed XXXX. Paid {$200.00}. Now owe {$1400.00}. Called this morning pro collect collections agency. Called to make another {$200.00} payment. XXXX I spoke to on the phone refused to take my payment. Stated I must pay the full remaining balance {$1400.00}. Asked to speak to her XXXX and she refused to let me speak with anyone else l. Stating she was the XXXX. XXXX told me I should pay my bills and hung up the phone. Called back and she proceeded to antagonised me laughing at the fact that I had called back. XXXX told me to ask family members for the money. I emailed XXXX XXXX of pro collect. Where he confirmed I am unable to make any payments. He claimed when I originally made the first XXXX $ payment that I was agreeing to a payment arrangement and because I did not abide by payment arrangements I no longer had the option to make any more payments unless it was the full {$1400.00} amount. I explained the XXXX XXXX via email that the lady assigned to my account was XXXX  and unprofessional towards me and that she did not explain this to me over the phone and that I never remember agreeing to making payment arrangements. I believe this is absolutely unprofessional how the situation was handled. I would like this paid off so I can eventually be approved for a place to live but they are refusing to work with me. The lady assigned to my account at pro collect was XXXX  unprofessional and demeaning. I would like to make payments over the phone until this is cleared and I can NOT make a {$1400.00} upfront. I live pay check to pay check. Eventually after going back and forth via email with the XXXX XXXX over pro collect he eventually told me I could make a XXXX $ online. Which was never originally told to me. I went online and made a {$100.00} payment but no money has been taken out of my account. I do not feel comfortable making anymore payments with this company until I get a clean understanding. I would prefer the option to speak to someone who is professional and give them payments over the phone. Because I no longer trust this company with my card information. If someone can please help me get this situation resolved I would greatly appreciate it- thank you

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 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD Bank is harassing me because their systems are antiquated and inaccurate. 

I'm doing a construction loan and as such my payment varies each month. I paid them my XXXX payment on XX/XX/XXXX. I'm not sure what happened, because I can not see my statements online, but I ended up paying an amount that represented 98.3 % of what I owed them. 

Unfortunately, as the loan amounts are variable each month, I can't set up autopay. When they sent a letter saying I owed less than 2 % of my balance in XXXX, I promptly sent the bank the remaining 1.7 % of my payment. Their online banking system shows that the payment cleared on XX/XX/XXXX. 

For the last week the bank has called me 5-6 times a day about an " overdue loan '' which is just incorrect. They've called me 7 times since my payment cleared, and the bank representative nonchalantly said " yeah it takes a while for our systems to update. '' I asked the bank to never call me again and the bank said that " it could take up to 30 days for the calls to stop. '' Unacceptable and antiquated. 

The bank 's systems make it impossible for a customer to pay on time and they keep harassing customers after debts are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX was my birthday. My daughter gave me a {$100.00}. Visa gift card. I saved the card in the original package to used by XXXX. When I opened and tendered to pay for a gift the card was rejected, because had no funds. I call XXXX gift card at the number that was included in the package. After a few long innecesary wait I was told that by a XXXX employee that somebody had used the card online and take the money. They sugested to call the vendors to see if they refund me the money or start an investigation that last 90 days. I think that if XXXX put their reputation behind a product they have to have some kind of security for the consumer. I want them to immediately refund my money. The card number is XXXX XXXX XXXX XXXX exp XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: FL

Complaint narrative:
When I had a Wells Fargo account I often had difficulty using my card as they froze it several times without reason. They also double charged me over draft fees and service fees. I tried to resolve it directly with Wells Fargo. I closed my account because they did not resolve the issues.

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 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: MI

Complaint narrative:
I filed a complaint and spoken with this company over and over but I didnt submit the supporting docs with my complaint to you all last time and theyre ( FIRST PROGRESS ) saying that I didnt send them a police report to there company which I did and I also let them know that I was a victim of identity theft back in XX/XX/ and to let them know that the address they have on file for the credit card hasnt belonged to me in over 5 years also when I contacted with them about it on the phone they spoke in a very rudely manner with me and said there is nothing that they can do about it.

Company response to consumer: Closed with explanation