vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I hope this message finds you well. My name is XXXX, and I am writing to address a distressing incident that occurred on XX/XX/2023, involving my Wells Fargo account. 

On that date, an unauthorized transaction amounting to nearly {$25000.00} was processed from my account. What deeply concerns me is that I received a call from Wells Fargo, during which I was purportedly authenticated to authorize the transaction. However, I want to firmly state that I did not provide any such authorization, nor did I initiate the transaction in question. 

Subsequently, I promptly reported the fraudulent activity to your customer support, expecting a thorough investigation into the matter. Regrettably, I was informed that the case has been closed after an investigation, with no change in the decision and a lack of adequate proof to support their findings. I have repeatedly requested evidence from Wells Fargo to demonstrate that they did not commit the fraud, but my appeals have been met with refusal to provide such documentation. 

To further substantiate my claim, I can present evidence showing that the call originated from Wells Fargo 's official phone number and authentication system. Given this information, it is only natural for me to believe that I fell victim to a scam orchestrated within Wells Fargo 's own systems. 

As a loyal customer, I have placed my trust in Wells Fargo for many years, and this unfortunate incident has left me feeling devastated. I firmly believe that the responsibility lies with Wells Fargo to ensure the security and integrity of their customers ' accounts. Therefore, I earnestly request that you review my case once more, with a genuine commitment to resolving this matter and restoring the funds that were taken from me without authorization. 

I implore you to conduct a comprehensive investigation, reevaluate the evidence, and take the necessary steps to return the funds to my account unless clear evidence emerges to prove my involvement in the unauthorized transaction. Additionally, I kindly ask for timely updates and open communication during the course of this review. 

I hope for a swift resolution to this distressing situation so that I may regain trust in the institution I once held in high regard. I trust that Wells Fargo will act diligently and responsibly in addressing this matter. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and a satisfactory resolution. 

Sincerely, 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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is incorrect personal information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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:
There is incorrect personal information on my credit report

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
RE : Request for Investigation of Credit Inquiry Dear Sir or Maam, I reviewed my credit report from Equifax and noticed that the report has credit inquiries that I did not authorize or are from a business credit request that should not reflect on my personal credit according to consumer law and the FCRA. 

XXXX XXXX XXXX -Business inquiry XXXX XXXX-Business inquiry. 

I request you to investigate and remove the inquiries as soon as possible. In case you come across evidence that counters my claim, I request you to please send me a copy. Thank you for your diligence in looking into this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
In XX/XX/2023, I received an offer to open a Citi AAdvantage  checking account with a bonus of XXXX miles after completing a series of required activities. I had to make at least 2 direct deposits totaling {$2000.00} within 90 days. I had to make {$1000.00} worth of debit card purchases as well. The email SPECIFICALLY states that I would receive my bonus within 30 days. I have completed all activities more than 60 days ago, and I still don't have bonus. 
I clicked on link provided in the email to open. 
I even called the day I opened the account ( XX/XX/23 ) and confirmed that my account was opened with the bonus. I have spoken to several reps that have also confirmed the offer. I keep getting different answers every single time. One said I had to wait 90 days for the bonus. Another rep said 180 days. I have the email. I know what it says. I have tried to escalate this with Citibank and I haven't gotten anywhere. I just Citibank to honor the bonus of XXXX XXXX XXXX that are owed 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 2023-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
This account ( XXXX ) is not mine I have no knowledge of this account I have been XXXX since XX/XX/2019, in the companies response to my last dispute they told me the debt was issued through XXXX of XXXX I have no knowledge of this account I did not give my verbal or written consent to anyone to open this account or consume any debt this has been placed on my credit report and it's inaccurate because it's not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In disdain of my previous request, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see the items I am concerned of : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Transunion has denied my access to my credit report. I have tried multiple times to access it on Transunion 's website and in writing. I believe this is due to retaliation when I reported multiple instances of inaccurate information and violations of the FCRA to CFPB and the FTC for obvious violations of inaccurate reporting and negligent consumer reporting that violates the FCRA.

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
RE : Request for Investigation of Credit Inquiry Dear Sir or Maam, I reviewed my credit report from Transunion and noticed that the report has credit inquiries that I did not authorize or are from a business credit request that should not reflect on my personal credit according to consumer law and the FCRA. 

XXXX XXXX XXXX ( Finance ) unauthorized XX/XX/2023 XXXX XXXX  ( Bank ) ( Buisness ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 ( buisness ) XXXX XXXX XXXX ( Finance ) XX/XX/2023 I request you to investigate and remove the inquiries as soon as possible. In case you come across evidence that counters my claim, I request you to please send me a copy. Thank you for your diligence in looking into this issue. 



Sincerely, XXXX XXXX XXXX XXXX XXXX ( Finance ) unauthorized XX/XX/2023 XXXX XXXX ( Bank ) ( Buisness ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 ( buisness ) XXXX XXXX XXXX ( Finance ) XX/XX/2023 2023

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 2023-07-24 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: AL

Complaint narrative:
Information belongs to another individual ( identity theft 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 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Mortgage Company owes me {$1100.00}. We closed on the sale of our home on XX/XX/2023. On XX/XX/2023 they took out this amount through autopay. I contacted them the same day and they confirmed that the loan had been paid in full on XX/XX/XXXX and that I would receive a check for the remaining escrow but this issue would take a few weeks to fix and send that check. It was just an error with the payment coming out so close to the final pay out. On XX/XX/XXXX, I contacted them again as I still had not received the check for {$1100.00}. I had received our escrow refund so they have all the info to make sure I get the money. I spoke with XXXX from client services this time and she said she could see that they took the money out but I was going to have prove that it was actually taken out of my account and then gave me this email address XXXX. This email address seemed fishy to me and I expressed that I feel like they were trying to keep the money they owed me. I sent them the info to that address anyways and, as of XX/XX/2023, I still haven't been contacted with a solution. At this point I think I am a victim of theft by Truist Bank. My next step is to hire a lawyer. I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX and trying to get a new home for my family and need this money during this difficult period of transition. Truist doesn't even care enough to contact 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 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/23 I proceeded to Lowes in XXXX California. I informed the cashier that I did not have the physical card with me and if she would be kind enough to look up my account in her system. I handed her my identification and I told her I was in the service. She proceeded to tell me she found my account info. However, the credit card company decided to decline my purchase and lock up my card. It was less than {$300.00}. I called the company and asked them why they had not honor my purchase and they said it was because they couldn't verify my identity. The nightmare begun soon after. I get this very sketchy text message purportedly from Synchrony telling me to click on this tiny url. The instructions called for me to upload a copy of both front and back ( barcode of license ) of my drivers license. It had me do it multiple times because supposedly it couldn't capture good images. Next it wanted me to move my head up and down in the form of a video similar to what you do for your XXXX  XXXX. It scared me to death. After that, I was to call the number at the end of the completion process after a code had been generated. So I called the number and spoke to a person with XXXX accent and gave her my code. The code never worked and now my account has the following message : " Your attention is required. 
There is an issue with your account. Please contact customer service at XXXX. '' I called the number and they said I should try the process again, I did and now I get a message saying someone has completed the process or someone is trying to impersonate me. Synchrony also informed me if it doesnt work I should mail them documentation. I don't trust the verification process through the phone how am I supposed to trust them via post office

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 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a previous checking account with Bank of America. They were killing me with insufficient fund fees for all kind of transactions. Because of these fees, the account was always negative and I had no choice, but to close that account. That was in XXXX. 
Two years after, in XXXX, I opened my actual checking account and it was also subject of all kind of insufficient fund fees. Now, that the law required bank of america to refund these fees to customers, I expect to receive all these fees back. however, for some reason the Bank never contact me or issue any type of refund to me. I know that I was a victim of that practice in the past and still a victim today before the bank stopped this exploitive practice. 
So, please help me recover all the money that Bank of America took from me. I am really in need and I have a lot of debt to deal with. 
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 2023-07-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
Discover is requiring me to have my husband also apply for the home loan even though I own the home, can afford the loan, and we have waived community property. 

I thought this requirment violates of the Equal Credit Opportunity Act of 1974. As I understood this, this is a vioation of rights and Discover is descriminating against people for marital status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: IL

Complaint narrative:
In accordance with fair credit reporting act XXXX accounts # 1 and # 2 listed below violated my rights. 

Account # 1- XXXX XXXX XXXX. account # XXXX Account # 2- XXXX XXXX XXXX. account # XXXX 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 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 2023-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Betterment LLC
State: AZ

Complaint narrative:
I initiated a transfer of my funds from betterment.com on XX/XX/XXXX. They asked for more details on XX/XX/XXXX. I provided the details. They stopped paying interest in the amount and have still not received my money in my back account as of XX/XX/2023. I get lame excuses saying the other XXXX transfer delays my savings withdrawal. 

Its 10 days off lost interest and opportunity cost for the money which I really wanted to deploy elsewhere immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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:
XXXX  ( XXXX bank ) has a auto loan date XXXX/XXXX/XXXX  which is seven years old and should be remove from my credit report

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
please re-investigate and delete the following accounts as the last payments on these accounts were made more than XXXX years ago : XXXX XXXX XXXX account XXXX Also, the XXXX day late payment that they report for XXXX XXXX XXXX In XX/XX/2020 is incorrect- I have never had any late payments on 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 2023-07-24 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: NJ

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: One Source Technology
State: IA

Complaint narrative:
Legal charges in Arkansas XXXX we're dismissed. This report shows charges pending, I lost a job due to this misinformation and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: NC

Complaint narrative:
The Company in question : Absolute Resolutions Investments , LLC has committed numerous violations of the Fair Debt Collection Practices Act under title 15 USC 1692. 
They had a sheriff serve me with what appears to be a summons with no actual court date, yet are persistent to attempt to force me to pay a debt in which they have yet to validate. I sent them a response within the 30 day window asking them for debt validation and all they sent back were moot statements which had no validity. The company has not yet sent me an contract agreement with my signature on it nor any of my other required exhibits for validation. ( Actori incumbit onus probandi ). In my initial response I did inform them of my intention to sue if any negative information was placed on any of the three major Credit Bureau 's and yet they dishonorably placed negative remarks upon it in an act of unethical practices.

Company response to consumer: Closed with explanation