vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I occurred at least XXXX dollars in charges for insufficient funds when the funds were there forcing me to have to close my account on bad terms bills were sent back causing me to lose XXXX dollars declined payments

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 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2023-01-24 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:
Account Name : XXXX  Account XXXX Acct XXXX XXXX I have been trying to get this account deleted I have called credit bureaus and the XXXX XXXX to get this old account deleted/removed it was paid off back on XX/XX/2017. The Credit companies stated no change won't do a proper investigation and won't update unless XXXX updates them. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number:XXXX This account was paid off and settled I have sent out a letter and statements from XXXX to the credit bureaus it is a closed account and to remove and update my account for the dispute, I keep getting unchanged and verified. No change Account Name : XXXX XXXX XXXX Account Number : XXXX -Collection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account Account Name : XXXX XXXX XXXX Account NumberXXXXCollection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account I have contacted the collector and they have not been able to reach the person who actually reported the collection and there is no judgment the court has never sent me anything on file in the last several years and I am trying to get a removal due to Collection Account that needs to be reinvestigated or I want it removed 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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Credit karma keeps approving me for the last 7 years of all kinds of different credit cards that I'm supposed to be pre-approved and every one of them I always get denied for the last 7 years my bank XXXX approved me for a credit card XXXX a bank approved me for a credit card and credit karma keep saying that I'm pre-approved and I am qualified for all my cards all during that time and never once said I ever receive a credit card it was always denied this is false advertising if a person 's pre-approved for a credit card then therefore he should receive his credit card not be denied when they pre-approved me ahead of time it is false advertising it is false statements and every one of them ding my credit on my credit report. All documents and all information that I have I will keep from my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Last year I settled an account with XXXX at the time Off settlement I spoke with the representative at lengths about after I paid the balance it would be removed from my credit report. I have called XXXX multiple times and spoken to supervisors that saw the notes on my account that certified they would remove this from my credit report. They have still failed to do so after i have called and repeatedly a supervisor verified they would remove the account from my credit report Also Comenity bank is not reporting correctly the account. It is paid and full with a XXXX balance. I have repeatedly asked them to fix this and they havent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In the year XXXX until XXXX Wells Fargo charged me numerous amount of banking fees which resulted in the closing of my account. I believe it was unlawful with no fault of my own. I reached out to them numerous times with no results. I am filling this claim to be reimbursed for over XXXX XXXX dollars in fees including fees from other companies that the bank rejecting due to the fees that overdraft my account. 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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX is reporting inaccurate, fraudulent inquiries. I have no knowledge of a company I have never had any association with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: FL

Complaint narrative:
I am reviewing my consumer credit file and noticed a fraudulent unverified account on there by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, reporting this fraudulent information is extortion. I demand you verify the credit transaction that was made with me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX authorizing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. to furnish this information on my credit file. Failure to verify that a Credit transaction was made between me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall constitute fraud , extortion, blackmail to embezzle labor out of me the consumer which violates 42 U.S.C 1994. And constitute a violation of 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. Furthermore I believe you have 4 business days after receipt of this Notice to remove this fraudulent account from my consumer report, and cease and desist all communication through any mediums including credit reporting agencies after receipt of this notice as required by federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: IL

Complaint narrative:
In XXXX, my property was assigned a new PIN ( property identification number ). On XX/XX/XXXX, I wrote a letter to my mortgage company, CMG Financial, about the PIN change, identifying the new PIN number, requesting confirmation. I did not hear back from them. In XX/XX/XXXX, I contacted CMG by phone to follow-up on the letter and spoke at length with a customer service representative ( I don't recall her name ) about the PIN change, and she reassured me the tax bill would be paid on the new PIN number. On XX/XX/XXXX, I wrote CMG again, this time about another issue with my escrow account and also confirmed the new PIN again but heard nothing regarding the PIN. On XX/XX/XXXX, I received my property tax bill, payable by XX/XX/XXXX, mailed it to CMG with a note to pay and a copy of the XX/XX/XXXX letter, requesting confirmation of payment but heard nothing from CMG. On XX/XX/XXXX, prompted by intuition, I contacted CMG by phone and spoke with XXXX in the XXXX Department. He could see no record of a PIN change or a property tax payment in the amount that was now delinquent. I have spoke with CMG again on XX/XX/XXXX, when XXXX said the issue should be resolved by XX/XX/XXXX, 6 weeks past the property tax payment due date. I called again on XXXX, left a message but received no response. In between XXXX and XXXX, I sent multiple emails to CMG with verification of the new PIN from XXXX XXXX Tax Assessor but received no response. I even involved my real estate agent who helped me with the PIN change, but CMG refused to talk to him, so he sent them an email without receiving a response. On XXXX, I called CMG and spoke with XXXX again, who said they have no evidence of a tax payment being due, despite the fact that I mailed and emailed them a copy of the tax bill and told them the amount and due date over the phone multiple times. As a result, I have incurred a {$73.00} delinquent payment penalty by the XXXX XXXX Treasurer 's Office, which CMG also refuses to pay, and was forced to pay {$4900.00} out of my personal bank account to cover the unpaid property tax bill that was due to be paid out of my funded escrow account with CMG. There have been multiple communication breakdowns with CMG due to their negligence in following through on payments and updates to my account since the loan was approved in XXXX. I believe this is a serious infraction of the contract I have with CMG, and I can no longer trust them to pay my property tax bills, yet they continue to collect funds for to allegedly pay this from my escrow account. I have asked to remove my escrow account, but they decline based on multiple requirements, including the XXXX ratio. CMG has been irresponsible with my property tax payments, and I request that they be held accountable and that I be reimbursed for the {$4900.00} from my escrow account in addition to the {$73.00} penalty fee for payment delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2023-01-24 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I spoke with Navient on XX/XX/2023 and advised the amount that I could afford to pay is {$100.00} in monthly payments. They refused to accept my offer and indicated that I would be required to make a payment of {$250.00} instead. I informed the rep that I would not be able to make those payments and it would result in the payments being delinquent. At this point, I am sure that Navient does not want to assist me in coming to a repayment that works for us both so I am left to file this complaint. Additionally, my loan should have been discharged in the Navient XXXX settlement but instead they sent me a check for {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ZARVAD III S.A.
State: SC

Complaint narrative:
My brother and ex sister-in-law received multiple calls about my debt even though I asked them not to contact me or anyone else about this debt. Here is a transcription of the message left today XX/XX/XXXX : Hello. XXXX XXXX XXXX, My name is XXXX XXXX. I'm contacting you today, in reference to a claim that is being filed, the claim is not being filed against you. XXXX, it is however, being filed under the name of and against XXXX XXXX XXXX birthday XX/XX/XXXX. She is XXXX XXXX  of age. Now I'm required to make you aware XXXX that your name and number has been listed as a point of contact for XXXX XXXX XXXX. It also appears that your residential address may be listed as a possible likely place of location along with her home address and her place of employment. Now, the claim is schedule will be processed today with the current information that's on file. However, XXXX of you or XXXX XXXX, you have any questions or concerns regarding her claim. I would suggest contacting that filing office right away that can be reached directly at XXXX. Again XXXX. Bear in mind. XXXX make XXXX aware she would need to contact them prior to the order of location being executed out for her because at that point, her claim would be discharged out of that office, XXXX then forfeit, not only the right to speak with them, but at that point, she would be officially forfeiting any and all other rights that she may be entitled to currently through their office as well. XXXX XXXX XXXX, it is being documented that you have been notified. However, we will proceed with the order location for XXXX XXXX XXXX XXXX XXXX  of age regarding claim number. XXXX  XXXX. Unless we do receive other instructions right away from that filing office. Uh That number again. XXXX. Thank you. 

I contacted them today spoke with XXXX XXXX at XXXX, who is " collecting '' on their behalf. He said that MyPayDayLoan said this was fraudulent since I did not pay it but I was laid off. I was strong armed into setting up a payment plan. 

XXXX 's phone number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Re Truist Bank XXXX XXXX, XXXX On XX/XX/XXXX, I deposited a cashiers check in the amount of {$5000.00} at a Truist Bank branch in XXXX, VA. I asked the teller when the funds would be available to me and she said in a day or two. Two days later, XX/XX/XXXX, I checked my account online and it stated that the {$5000.00} was included in my Available Balance. 

I then paid some bills and withdrew {$1500.00}. Later that day I was shocked to see a Return Deposit Item showing the {$5000.00} had been deducted from my account, leaving a negative balance. I since discovered Truist didn't realize the cashier 's check was counterfeit until after they listed the amount in my Available Balance. That meant I not only lost {$1500.00} but also accrued overdraft fees in the amount of {$100.00} related to bills I had paid. 

My bill paying and cash withdrawal on XX/XX/XXXX, were made in good faith based on the assurances from the teller and Truist 's online banking information ( see attached documents ) that explain the deposit process and available balance. Any customer would have a reasonable expectation that such plain language would be true and accurate and could be relied upon. Well, they would be mistaken, as I was. Simply put, they are neither true nor accurate. In fact, they are unreliable since they are deceptive, dishonest, false, and fraudulent. In other words, lies.

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 2023-01-24 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: MI

Complaint narrative:
TransUnion continues to house incorrect invalidated information causing great harm and damage to my personal life/consumer report. 
TransUnion continues to violate my consumer rights, while breaking the law by ignoring FCRA FDCPA and XXXX XXXX compliance guidelines.

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was checking my credit report and I observed that there is a bankruptcy that is reporting on my credit report. So I wrote a letter to the Bankruptcy XXXX in XXXX XXXX and they sent me a letter stating that they do not report bankruptcies to the credit bureaus. I sent a letter to each bureau previously and they said that they had validated it with the courts. So that information was not true. My personal information is supposed to be protected as a consumer. This a violation of my right to privacy reporting this to Experian, XXXX, and XXXX. Also dishonest disputing methods were used because nothing was able to be validated as accurate.

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