vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 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: NJ

Complaint narrative:
In XX/XX/2021 I noticed unauthorized items on my credit report. I contacted all three credit reporting agencies who have not been able to assist in removing the negative items being reported without permissible purpose. ( 15 USC 1681b ) They are furnishing information which were not initiated by me, hence reporting false information ( 15 USC 1681b ( c ) ( 1 ) ( a ) ( b ) ( 1 ) ( 3 ) have not given any written instruction to anyone to put on my consumer report. My right to privacy is being ignored by Experian, XXXX, XXXX and creditors. These false consumer reports has affected me adversely and I feel as if my character is being defamed.

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 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I sent money to the wrong vendor with the exact same name through zelle. I went to the bank they said they could not do anything. I contacted the person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: AZ

Complaint narrative:
Arvest Mortgage went through a merger. ARVEST IS STATING NO PAYMENT RECEIVED FOR 2 MONTHS BECAUSE THEIR SYSTEMS AREN'T REPORTING CORRECTLY AND WE ARE BEING FINED AND AT RISK OF BAD CREDIT REPORTING BECAUSE OF THEIR SYSTEMS -- WHEN WE PAID ON TIME. THEY ARE GOING TO RUIN PEOPLE 'S CREDIT. I got a letter in XXXX about the merger and changed the payee address in my banking institution portal XXXX XXXX XXXX XXXXXXXX ) immediately as advised by the letter ( and the rep when I called to confirm ). Without word to me, the account had been logging a failure to pay for 2 months without notifying me but when I log into my XXXX account -- it's paid for the last 2 months at the payment addressed advised in the recent letter. When I log into my Arvest account I can see payments attributed for the past 2 months, but there's also some weird late fees added even though my payments were not late. 
I got a letter today advising me of the unpaid status of my account, checked my XXXX  payments ( both cleared ) and the Arvest portal payments posted ) but when I call the Arvest # to talk to a rep there's a message telling us there's a payment problem and the letter says call them and use an extension but I recorded 3 times calling them and it sounds like it connects but then hangs up. Three times. I have 3 recordings. XXXX extension XXXX. 
WHEN I LOG IN I SEE ALL OF MY PAYMENTS MADE ON TIME but still got the letter. XXXX shows my on time payments ( I have autopay set up ). WE CAN'T REACH THEM. THEY WON'T TALK TO US. Also, the entire month of XXXX is MISSING from their online portal. I have a printout. 
Also, look at the image I attached. Two payments made the last 2 months for more than the amt due, received 1-2 days before the due date, but when I select all activity since XX/XX/2022 I only get from XX/XX/2022 and can't scroll down further and there's no additional page, and there are fines assessed even though my payment isn't late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Social Security check is missing in the amount of {$1100.00} XXXX states payment was made to my Bank of America account. 
Bank of America has no record of such. 
Please help as I need the payment for groceries Thank you 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 explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have contacted your team to inform you all my account was improperly closed, as I was scammed restore my accounts. Below is the communications with the local Precinct and Also contact for XXXX XXXX XXXX Detective XXXXXXXX XXXX Complaint Report Number : XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Hi XXXX XXXX on XX/XX/22 at XXXX p.m. try to acquire a online loan through one main financial. Phone number XXXX. The agreement was for {$10000.00}. They put {$700.00} in my bank wire check. When the check filled I then called the police and made the police report case number XXXX Tuesday XXXX it was reporting XXXX XXXX XXXX XXXX. The other phone number for OneMain Financial is XXXX. They have since called and tried to obtain the {$700.00} again saying they needed the {$700.00} it was a test run so that that deposit the balance of the {$10000.00}. At that time I was told by the bank officer while I was sitting at the bank with the bank manager at XXXX  XXXX XXXX stop the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
I have made a complaint on XX/XX/XXXX, XX/XX/2022 XXXX XXXX from freedom mortgage had replied. He had stated he was going to lower my interest rate due to the delayed to 3.5 %. I was supposed to receive additional documents to sign in the mail within two weeks I have yet to receive additional documents I've sent this information to last mitigation via email twice I have called and spoke to numerous associates at freedom mortgage and no one can seem to help me or knows what's going on in regards to this issue. This is in reference to complaint number XXXX. I have no way of getting in contact with XXXX XXXX. If I could get a email for XXXX XXXX or someone from Freedom Mortgage to assist with XXXX XXXX solution would be greatly appreciated. 

Sincerely 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 explanation
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is incorrect information reporting as my addresses and name on my credit report, I like to have removed as soon as possible. I am attaching my driver license for verification of identity. My name is only spelled XXXX way so the only name that should be in my report is ; XXXX XXXX and the only address that should be on my report is ; XXXX XXXX XXXX XXXX, Georgia  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 2023-01-03 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: GA

Complaint narrative:
There is incorrect information reporting as my addresses and name on my credit report, I like to have removed as soon as possible. I am attaching my driver license for verification of identity. My name is only spelled XXXX way so the only name that should be in my report is ; XXXX XXXX and the only address that should be on my report is ; XXXX XXXX XXXX XXXX, Georgia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: WA

Complaint narrative:
1. I received an unexpected debit card from Western Union NETSPEND. I called XXXX XXXX XXXX department to cancel this card, but NETSPEND is other branch than the XXXX XXXX. 
2. I called the NETSPEND to cancel this account, but no customer service was provided to cancel this card. And the only option is to active this card. 
3. I want to file a complain to NETSPEND for 1 ) sending me unexpected debit card which I have never applied and 2 ) the customer service XXXX has no option to contact a real agent or cancel/close an 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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
Account ending in XXXX XXXX i paid XXXX to XXXX to pay mortgage through XXXX XXXX XXXX XXXX XX/XX/XXXX - An automatic payment was pulled to pay mortgage to XXXX for XXXX by accident. Making my account in the negative for insufficient funds I realized i made a mistake and called to cancel this payment. This payment was returned on XX/XX/XXXX as a returned item {$1400.00}. I cancelled the payment via online and asked the XXXX  rep that I was speaking to at XXXX XXXX  to cancel payment on his end. He said he will do his best. 
XX/XX/XXXX money was re pulled to make the payment but there was ins officiant funds. All these transfers match up on my checking account equally so that my payment was good for XXXX. 

in XXXX I received a letter from XXXX that I missed my mortgage payment. I didn't understand what happened... Through lots of phone calls and conferences between XXXX XXXX and Fiserve it was found that XXXX returned the {$1400.00} on XX/XX/XXXX due to me being short {$5.00} of my payment. For some reason Fiserv never credited my account for that money. My bank account still does not show this return. Fiserv said the money was theirs and I don't need to show the action on my account because they put the money out for me supposedly. We went back and forth for a while tracing numbers and phone calls with TD ( XXXX a XXXX at XXXX XXXX  ), fiserve, XXXX XXXX XXXX. Several cases were opened. In XXXX I received two letters. One letter stating that the {$1400.00} will be returned to me. The other stating a solution was resolved. The {$1400.00} was returned to my account in XXXX and I sent it to XXXX on XX/XX/XXXX to make up for the XXXX missing payment. Which I thought was the right thing. 

In XX/XX/XXXX, months after I thought this was resolved. I recieved nasty calls from a collection company saying they represent fiserve and i owe XXXX due to a payment from XXXX After going back and forth I explained that this was cleared up and I don't owe any money, It was a clarical error on XX/XX/XXXX that was lost and cleared up in XXXX. 

Since this time Fiserv has not been cooperative. I asked for a written statement of what they are saying. I have tried to get XXXX  to help me with handeling this situation but every time I call it is a new representative and every person interprets the siduation differently. Now Fiserv has put my account on hold. I can not make any payments for my mortgage nor other credit card companies.. I can't access my bill pay addresses until they get thier money. I do not feel I owe money. I feel this was a document error. XXXX  approved that it was wrong and refunded me the money. If I needed to pay Fiserv in any way shouldn't XXXX  and Fiserv have communicated that in a letter??

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 2023-01-03 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: Designed Receivable Solutions, Inc.
State: FL

Complaint narrative:
i have linked the previous response the company designed receivable solutions inc said in the last CFPB complaint for reference which I find unsuitable. The company stated I was willing to pay them for a debt i have no knowledge of and ill and wrongfully stating to have sent me proof of validation on XX/XX/22 when that is false they have not sent me proof of ( proper ) validation regards to the FDCPA, XXXX and the FCRA including a breakdown of all fees including all collection as well as medical charges. To claim i owe them and not provide proof of the listed validation, contract they claim to have with my signature of agreement to pay them ( they claim ) is absurd. They will not be receiving any funds from me till their claims are proved to be correct. They don't even have my real address which is also proof they are just throwing things onto people 's credit and I will not tolerate this and they have no consent to add anything back onto my report till they prove their claims to me and they have a duty to prove proper reporting to me not the other way around. The company even took more than 30 days to response till i made the CFPB complaint which also is in violation of the law which I will also bring to me to court as evidence of the predatory practices if they so choose to feel the need to report onto my credit report again after mentioning to them him they have no consent till they provide ( PROPER REQUESTED EVIDENCE OF THE ITEMS LISTED ABOVE ). XXXX and XXXX I will also hold accountable for sitting back, seeing this happening and deciding to stay out of it when you have a duty to report accurate information and you are not just as well as they do ( designed receivable solutions inc )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I went in to BMO HARRIS BANK to reopen an account with them. They closed my account back in 2019 for being overdrawn for too long. I was out of work and couldn't pay balance. 

I just learned XXXX XXXX that account was closed due to fraud. I asked them to explain fraud and they said I put a fraud check in my account. Which was inaccurate. The check I deposited was from the person. He didn't know they was in the process of closing his account when he wrote me the check as I just found out. They sent him a check with the remaining balance that was in that account and returned any checks he wrote stating account was closed. I explained this to bank representative in location and over the phone but they keep telling me its fraud because I put it in my account and I nor did he know his account was being closed. So NO fraud was committed 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 2023-01-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX charged me {$5700.00} on my Bank of America Visa credit card. I disputed this charge with Bank of America, who re-charged my Visa card on XXXX XXXXXXXX XXXX {$5700.00}. I requested a credit refund slip from XXXX ' accounts manager, XXXX XXXX XXXX, who said he would love to issue a credit refund but that Bank of America has NOT paid XXXX anything and there is nothing to refund. However, this {$5700.00} amount remains on my credit card account and Bank of America wants me to pay them {$5700.00} for nothing, which is FRAUD. I have NOT received any merchandise, goods, or services from XXXX and there is NOTHING to pay for. This {$5700.00} charge needs to be REMOVED from my Bank of America Visa card bill along with any interest amounts charged to my credit card.

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 2023-01-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Fraudulent charges were made on my Citibank account beginning XX/XX/XXXX after I took out a FREE trial with a company called XXXX on XX/XX/XXXX. They required a credit card, but I cancelled the next day and was never charged for the trial membership. I never made a single charge to XXXX other than the trial membership fee which was never actually charged to my Citibank credit card because I cancelled. However, someone used my credit card information to begin placing charges. Several went through unnoticed until the thief became bolder and began charging multiple amounts on the same day for the exact same amounts in XXXX. I reported these as soon as I realized it to Citibank in XXXX, XXXX, when 18 charges went thru on the same day for {$39.00}. I have been dealing with Citibank now for over a year and it has been a nightmare. At first they were very helpful and refunded the charges to me, but then began to charge them back to me. It became unbelievably complicated to sort through the multiple charges, refunds and charge backs. I have called over and over again and spent hours on the phone with multiple people trying to explain, some were helpful but most were extremely condescending to me, using the complicated process to try to convince me I didn't know what I was talking about. I had hope at one point when they sent me a stack of my own statements with a complicated color highlight system showing what had been charged, refunded and charged back, asking me to sort through them and send them back the charges that still needed to be refunded. I spent three days going through what they sent me and sorting it out into an easy ( as possible ) to understand spreadsheet. I sent them this spreadsheet on XX/XX/XXXX and have had no response. I have attached my written correspondence and the spreadsheet with this complaint. Please help me, XXXX also promised to get to the bottom of this but did nothing except apparently provide Citibank with some bogus information to say I made the charges. They are a phone service that charges a small monthly fee of {$19.00}, and no one can tell me what anyone could possibly purchase at this company with XXXX charges of {$39.00} + XXXX charges of {$26.00} for a total of {$1400.00}. I hate to report Citibank and fear repercussions, but I desperately need help to get them to refund me the remaining fraudulent charges of {$430.00} plus all the interest they continue to charge. I am reaching out to Consumer Finance as a last resort and praying you can help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Original complaint # XXXX WELLS FARGO responded to my initial oncomplaint listed and stated they could not reach me. Which is untrue. I've called WELLS FARGO multiple times over the past months and have been directed to multiple different employees who tell me different things. Today XX/XX/23 I was told by the VA that the FEDERAL RESERVE gave the banks discretion as to what programs I use. WELLS FARGO told me last time we spoke that the VA has discretion. I have multiple emails asking WELLS FARGO for all paperwork pertaining to my loan and have been given none. I have reached out to a lawyer seeking legal representation for this matter. My assigned home preservation specialist XXXX XXXX is unreachable. I have left numerous voicemails and emails with her and have not received a phone call from her or an email from her. It's always someone different with a different story. 

I would like everything I listed in the original complaint. 

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 2023-01-03 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: OneMain Finance Corporation
State: GA

Complaint narrative:
Account does not belong to me, called fraud department they sent me forms and I filled them out and still not response or action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
on XX/XX/2023 a person from Wells Frago called me to tell me that WF followed their internal procedures in assisting a customer open an account. They had two false statements : First they stated they had no internal notary available. That is not correct since a XXXX XXXX XXXX XXXX ID XXXX had notarize my documentation. WF also stated that they could not assist me in what areas to fill out, on their form, since this would be perceived as giving legal advice. Again, not true because all forms that I received at the branch had yellow highlight of the areas that needed to be completed. The individual apologies multiple times on the challenges WF has internally, which is not against any law but definitely demonstrates the inability for WF to manage people 's money. So WF has lied, just made-up excuses of why they can not complete a Trust document. I believe after all of this there is a bigger issue of discrimination on a customer that has set up a Trust account. The perception is that this customer has money, and we are going to give him ( a guy ) a hard time. All the employees I have dealt with have been of XXXX and female background. The last issue WF states that XXXX XXXX phone number XXXX Branch Manager does not exist in their employee directory and neither does XXXX XXXX XXXX at the XXXX branch. They are hiding the fact that these employees are discriminating against customers and they either have no clue of procedures or they are not following them.

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