vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The bank, Wells Fargo, had given insufficient response and resolution despite providing all substantiating documentation.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital one is reporting an account that is not mine with a balance of {$590.00}. They will not stop calling and sending email about this account that is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bepensa Capital, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I was instructed by XXXX real to sell my car to XXXX and pay the difference as a secondary option instead of surrendering the vehicle. Receiving the quote from XXXX and filling out documents to sell the car, I was told that the associate of sales at XXXX, by the name of XXXX, was giving the loan company an issue, finalizing the sale. XXXX XXXX then pick up the vehicle and sold it to an auction company only to leave me with the remaining debt and no vehicle. 
I have repeatedly called them and received no help in regards to this matter. On XX/XX/XXXX I called and spoke with an associate who took my information and reassured me that I would get a call back from the gentleman who handled the purchasing of the vehicle and selling of the vehicle with XXXX. On XX/XX/XXXX I called back again to gain further information on why this debt is still being reported. I spoke with XXXX in the title department and received a call back from XXXX stating that the car was repossessed because I refused to sign a release form with XXXX, which is completely false. My information was sold to another debt company and and is being reflected falsely on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/, I created a joint savings account with BMO XXXX ( the online banking division of BMO ) and successfully ACH transferred {$340000.00} into this account. See attachment for account details. On XX/XX/, I attempted to ACH transfer out {$31000.00} to another bank. On XXXX I was notified by e-mail from BMO XXXX that my account was frozen. I was notified by a second email on XX/XX/XXXX  that {$31000.00} had been returned to my account due to fraud detection ( see attachment ). I called the number provided in the email ( XXXX ), but was told I must call their fraud number at XXXX. Ive called this number over 50 times, but continuously receive a message stating the mailbox is full. I contacted the customer service number several more times ( XXXX ) and asked to speak with a supervisor, but they insist my only option is to continue calling the fraud number until someone answers. I then researched complaints online and found a recent post describing the identical problem without resolution for several weeks ( see attachment ).

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 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
A lady from this phone number in XXXX MO called and said they were lowering my interest rate in my Chase CC and I knew it was a scam and I hung up. Here is the number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/ " CBNA '' has furnished a hard inquiry on my XXXX credit report. 
I first sought out to resolve the issue with the " CBNA '', but there is no information on the company to ask for information. 
From my recollection, I have received no " firm offer of credit or insurance '' from the company listed on the dates listed nor since the dates listed nor before.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Commercia Reporting is reporting inaccurate accounts on my commercial lending report. A derogatory account reporting from XXXX XXXX is paid in full and in good standing. I have furnished Equifax Commercial Reporting with documentation directly from the creditor to verify the account isn't past due or negative, however, the information still has not been updated on my account. This error is causing me to be declined for receiving lending from other creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: CA

Complaint narrative:
I put money including {$1700.00} in my Wells Fargo account that was given to me to feed the seniors and homeless dinners on XXXX & XXXX, however the money was fraudulently taken from my account around XX/XX/ and after I reported it around XX/XX/, I filed a police report with the XXXX Police Department and the same company had taken {$100.00} so I filed a claim for that one too. I was told over the phone that it was done by me or someone with my permission and that I wasn't going to get my money back. I filed a few more claims as I took the situation to the highest the corporate level and recently again was told that the claim could not be opened, but the agent who was on the phone told me that XXXX gave them the information to reject the claim saying basically that it was not fraud. I have asked several times where did my money go because you said it was a purchase so where did the purchase take place because according to my account all of the transactions shows a merchant name on it except for the {$1700.00} & {$100.00} which has no name on there but the company did grant the claim and I was refunded {$100.00} back to my account so I contact Wells Fargo again about the {$1700.00} and was again told that I would not get that money back.

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 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
AMEX talked me into getting a business card and said the annual fee would be waived like my platinum card because Im XXXX. They charged the annual fee and will not refund it even thought I turned in all the paperwork multiple times and was promised to have it waived. Ive called multiple times and have requested a call back from a supervisor but havent heard back. They charged me another annual fee the following year and have been tacking on interest on the wrongfully charged fees and will not remove them and the interest. I asked to close both cards and they refuse. Now they have collection agencies contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The sent a very threatening message, and then proceeded to refuse to give me the purchase agreement or validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX They put a late payment and collection on me for this account, i was in the military when someone took this out in my name, i let the company know but they did nothing about it, I am taking legal action but this is gross negligence that is affecting me and needs to be deleted

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 2023-12-11 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: Block, Inc.
State: MI

Complaint narrative:
I have been a Cash App customer since 2018 and I never intentionally violated any of their rules or used the app for anything illegal. On XXXX, they suddenly closed my account by error, I tried contacting them via Chat, phone, and facebook. Every time they promise me that they assigned my case to someone to look into and I will hear from them soon but I never got any response. Cash App has XXXX customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. Both XXXX and Transunion report no late payments. Transunion reports 5 late payments. Transunion has not even investigated. This needs to be updated to PAYS AS AGREED NEVER LATE. 

XXXX XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. They have no even entered a notice of dispute. They have refused to investigate. The payment has never been late for this account. Please update account PAYS AS AGREED NEVER LATE. 

XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. They have no investigated. They have not entered a notice of dispute. They have not validated account. This needs to be deleted immediately.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. Both XXXX and XXXX report no late payments. XXXX reports 5 late payments. XXXX has not even investigated. This needs to be updated to PAYS AS AGREED NEVER LATE. 

XXXX XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. They have no even entered a notice of dispute. They have refused to investigate. The payment has never been late for this account. Please update account PAYS AS AGREED NEVER LATE. 

XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XXXX/XXXX/XXXX. They have no investigated. They have not entered a notice of dispute. They have not validated account. This needs to be deleted immediately.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I requested a {$1000.00} payment to a creditor through XXXX XXXX XXXX on XXXX XXXX. The funds were withdrawn from my account and a check mailed to the creditor. The creditor claims he never received the payment, although I confirmed address details were accurate. 

I called the bank on XXXX XXXX and asked for a stop payment. I was told the check was never presented for payment. Supposedly a stop payment request was made, but the bank says it will take 10 business days to investigate and issue a " provisional credit. '' There is no need for an investigation or basis for refusing to release the funds once a stop payment is issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXXXXXX  Capital one bank made a hard inquiry onto my account. I was not clear and conspicuously informed of and extended time limit against the Fair Credit Reporting Act. 
On XX/XX/XXXX, I called them attempting to dispute the inquiry and be notified of any laws pertaining to the facts. Their response was " nothing you can do '', " it doesn't matter what the FCRA says '', " We do not have anyone to talk to competent of the facts to speak with '' and even hung up on once I asked how to access the recordings of the call, all very discouraging practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting 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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). XXXX not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isnt reporting correctly. 

Please delete these fraudulent accounts : XXXX XXXX {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isnt reporting correctly. 

Please delete these fraudulent accounts : XXXX XXXX {$490.00}

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 explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is a followup complaint. Initial complaint # is XXXX. 

BMO responded to the initial complaint ( attaching pdf document ) and shared the contact number of Fraud Department Manager ( ( XXXX ) XXXX ). I tried reaching out to the Manager more than 20 times in last two business days during working hours. Call was directly going to voicemail and I left a voice message. BMO didn't show the basic courtesy to call back and is not taking any effort to unfreeze the 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 non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
I have signed up for auto debit. My auto debit was approved ( see attachment ). On XX/XX/21 I received notification that my payment was late because my auto debit was never processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Upon acquiring my residence on XXXX  Guaranteed Rate served as our mortgage broker, providing a 30-year fixed-rate mortgage at 2.75 %, amounting to {$2100.00}. Subsequently, on XXXX our loan transitioned to Carrington, adjusting my payments to {$2400.00}, comprising Principal & Interest ( {$1600.00} ), Escrow Payment ( {$600.00} ), and a concerning Shortage Payment ( {$170.00} ). 

The unexpected increase of {$280.00} to my mortgage, prompts suspicion. In XX/XX/XXXX, notification of a XXXX XXXX surplus refund arrived, altering the mortgage breakdown to Principal & Interest ( {$1600.00} ) and Escrow Payment ( {$390.00} ), totaling {$2000.00}. This structure persisted until our XXXX XXXX XXXX  statement, which billed {$2400.00}. 

Despite possessing a ten-year tax abatement, efforts to rectify discrepancies have proven futile. Visits to the tax office yielded no filing errors. I seek expeditious resolution and clarity amidst a poor experience of being transferred and encountering evasive responses. If needed I can provide all the escrow analysis statements.

Company response to consumer: Closed with explanation