vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 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: AR

Complaint narrative:
My address is inaccurate. I only live at one address have live there years and I only have one name I use. There is no other name. My job is incorrect as well. 

All my personal information needs to be corrected and updated on a 3 bureaus. XXXX, XXXX, and Transunion.

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 2023-01-22 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: AR

Complaint narrative:
My address is inaccurate. I only live at XXXX address have live there years and I only have XXXX name I use. There is no other name. My job is incorrect as well. 

All my personal information needs to be corrected and updated on a XXXX bureaus. XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Money was stolen out of my account back in XXXX to XXXX and I told them about the problem but they never did anything about it telling me that its going to be fixed by a bank manager higher up in corporate office but its XXXX and Im still dealing with the same issue. All the money I was making during the time working at chick fil a and was being took out my account like someone else had access to my account. This bank name was Wells Fargo. I was young at that time and I didnt have any help in getting my money when I first started working at XXXX XXXX XXXX in XXXX, but now that Im older I can get the help and representation I need to get my funds 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 2023-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX, I received an email communication from Bank of America stating that my Online Application is in progress for the XXXX XXXX XXXX XXXX  Account, in which I did not authorize this online application. I immediately forwarded the email to their fraudulent dept. informing them that I didn't authorize this application and to please contact me asap. On XX/XX/XXXX, I received another email from Bank of America to confirm my email address. I forwarded that email as well to their fraud dept. asking them to not proceed with this application and to call me asap. I also called the number that was provided in the email, stating " If you don't recognize this activity call us at XXXX '', but of course I was unable to get through to their XXXX XXXX. because you have to provide an acct # ( that I did not have ). On XX/XX/XXXX, I sent another email following up with Bank of America asking them to call me immediately to discuss this account that was opened without my consent. No one has ever responded to the emails I sent nor have I ever received a phone call back from them. At the end of XXXX, I started receiving statements from Bank of America for XXXX XXXX fees of {$4.00} for this account. 
Today, XX/XX/XXXX, I called the XXXX number, again, provided on the statement, spoke to a customer representative and asked to be transferred to the fraud dept. After the transfer, you are sent to automated recording informing you that your case has been opened, your debit card has been canceled and they will monitor the account for 14 days for transactions. They do not let you speak to anyone about the account to explain what has transpired, there's no way to open an investigation with them, nor have the acct closed immediately. It's been 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 2023-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
They still have not answered my complaint regarding rewards. 
And they are also not providing me informational Statements of any kind. 
They charged me a late fee of {$29.00}, then another of {$40.00} - it appears they are doing whatever they want with this account, no accountability and charging any fees they want, and NOT honoring the points earned while using this account. They closed my account for no reason, I was NEVER late and they continue to do whatever they want with my account with no recourse???? 
see attached

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 2023-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been trying to use the XXXX XXXX XXXX to redeem points towards flight bookings made directly with XXXX and XXXX Airlines XXXX I was informed by multiple customer service agents that I should I have been able to redeem points and that it was strange that I was not receiving the text messages. A request would have to be submitted to the rewards team, which make take several days-weeks and approval was " not guaranteed. '' Multiple customer service agents had no idea how XXXX XXXX worked or why I was not receiving text messages, until XXXX, XXXX more senior agent, found that I needed to be " re-enrolled '' in XXXX XXXX for legal reasons, which would not take effect until tomorrow. 

I spoke to a XXXX, XXXX, over the phone who hung up the phone on me after failing to resolve the issue. XXXX could credit me with additional points on my account, but they would not enter my account until after the statement closed. I intend to close the credit card before my statement closes, so that is not a resolution. Otherwise, a request to the rewards team could take " weeks '', which again I don't have time for. 

I am exhausted dealing with US Bank after this entire painful experience. I can not rebook my flights and I'm not waiting for my points to post. And it is entirely unacceptable for the XXXX to hang up on me after failing to resolve the issue. 

This is not the only time I have had an issue with XXXX XXXX. It is an opaque program designed to discourage customers from actually being able to use it. I am done with US Bank after this experience, and rest assured that I will never conduct business with US Bank again in the future. I expect an immediate resolution ( as described below ) to my complaint.

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 2023-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Money move from my account, without my permission on several occasions. Reported and nothing done.

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 2023-01-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
please remove my late payment from XX/XX/2022 its been updated with the other XXXX credit bureaus its hurting my credit profile

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 2023-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed inaccurate information that was being reported by XXXX different creditors on my consumer reports with the XXXX XXXX XXXX TransUnion, initiated over XXXX  months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 with no success.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To much fees for to the bank

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I managed my account. But every so often I would see an NSF charge. 

And it increasingly continued. 

I worked out of town as a nurse and just paid it. 

I made decent money but I was curious as to why I was paying upwards of {$600.00} in NSF charges.

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 2023-01-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XXXX of XXXX the company neglected a roof leak and state mandated item cause my leasing agreement to be broken. I have attempted to rectify and even filed suit in regards to retaliation for request to repair. The amounts charged have not been solidified or over charged by more than {$2000.00}. Please be advised I am actively in a lawsuit & have not authorized any of my information to be shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/22 i have been charged {$1400.00} interest fee while I had a {$1500.00} to paid off by debt. 
XX/XX/22 another XXXX interest fee XX/XX/22 another XXXX interest fee I call the bank, an agent told me there was nothing that they can do. In the mean while they keep charging 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 2023-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I received a notice from Medical Data Systems a medical debt collection after it was already being reported to all three major credit reporting entities. I requested validation of this debt by mail, never received a reaponse, yet it is being reported. Medical Data Systems stopped sending notices as well, but still continues to report the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: MA

Complaint narrative:
someone used my XXXX XXXX XXXX or numbers to charge XXXXXXXX XXXX XXXX purchase that was declined and then charged XXXX dollars on my XXXX XXXX XXXX XXXXn XX/XX/XXXX in XXXX, Texas at a place named XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I used my XXXX XXXX XXXX  at stXXXX XXXX XXXXnd spent XXXX dollars on XX/XX/XXXX. Then on XX/XX/XXXX someone charged my card for the amount that presented above. I made a fraud report on XX/XX/XXXX at the XXXXXXXX XXXX XXXX XXXX  and turned in the card and got a new one. previously before that I was getting XXXXXXXX XXXX XXXX and I think people stole my card numbers on XX/XX/XXXX. previously I noticed this happening before for months and months people taking little amounts at a time but I thought that I might have been mistaken. I filed many reports with the police department of justice and also the dta by misfortune application and in office they put in fraud report. I want to sign up for XXXX for a reimbursement of the XXXX cash I spent for food this month and also get the XXXX food stamps reimbursed because I am XXXX XXXX XXXX XXXX XXXX I have to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked the XXXXXXXX XXXX XXXX XXXX XXXXXXXX afteXXXX XXXX XXXX XXXX  but I was unable to get them also my social security card was stolen as well due to me being XXXX. I was getting extra cash benefits but I don't know why they stopped can you please sign me back yo for additional services. please contact me by email cause I was XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please can you help me obtain my XXXX  benefits and a free phone so I can continue on my XXXX  XXXX. I AM TRYING TO CLOSE MY DIRECT EXPRESS ACCOUNT BUT THE IN IS LOCKED AND I CAN CLOSE IT BEFORE MY BENEFITS ARE ON THERE THE XXXX OF XX/XX/XXXX. I TRY TO CALL DIRECT EXPRESS AND THE SYSTEM KEEP RE-ROUTING ME IN CIRCLES AND I CAN'T EVEN TALK TO AN OPERATOR I NEED ASSISTANCE IN STOPPING THE CARD. I SENT THE XXXX  BENEFITS EMAILS OVER 4 TIMES AND IN PERSON PUT A FRAUD CLAIM ON XX/XX/XXXX AND I AM NOT GETTING ASSISTANCE SINCE THE THEN AND NOW IT IS XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
They let people go in my account without asking me they charge me all overdraft fees all the time..

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 2023-01-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On Saturday XX/XX/21 I received notifcations from my financial instituation of two hard inquiries from Experian. I tried to contact Experian and despite the hours on their app saying that they are open for phone calls, there was no way to get in touch with them on Saturday or Friday during XXXX XXXX as suggested by their app. 

Additionally, I have come to find that I can not log in to my account or recover it because someone has hacked it. When I try to recover it just shows a XXXX which is not my email address. 

So I can't talk to anyone to rectify the situation, and I also can't fix the situation online because someone has hacked it. 

Then after several XXXX searches I have come to learn that Experian has had very inept security and my experience is common. I have gotten no warning from the company that this was a possibility. 

This company is a total disgrace.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account went negative for no reason multiple times in XXXX it was never solved and I had to close it. Wells Fargo continually double charged me on items and also charged me fees that were not agreed to.

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 2023-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am not liable for this debt with bmo Harris bank and don't have a contract with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX They did not provide me with the original application like I asked. Acct # 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 2023-01-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed inaccurate information that was being reported by 2 different creditors on my consumer reports with the credit reporting agency Experian, initiated over 5 months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 with no success.

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 2023-01-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX acct # XXXX, XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 604 ; It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes whish antedates the report by more than seven years.

! 5 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
They kept paying after I said do not pay and put a stop payment in,

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 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
XXXX enables identity theft and fraud by failing to take steps to verifies subscribers identity when installing services. XXXX prefers to report debt to credit bureaus, even after evidence is provided of the fraud and the process that XXXX lays out is followed. 

In XXXX of XXXX, I became aware of several fraudulent accounts on my credit reports after doing a credit check. I reported the fraud to the FTC, contacted each company that reported a debt and attempted to gather information on how each account was opened. One of the companies was XXXX. A debt of {$1000.00} was reported by XXXX XXXXXXXX XXXX XXXXXXXX, which is a collection agency for XXXX. After explaining the circumstance and following XXXX 's process of reporting, XXXX still refused to remove the derogatory form my credit file. I filed a dispute with the credit bureaus in XXXX of XXXX and after an investigation all the fraudulent accounts were removed including XXXX. 

In XXXX of XXXX, XXXX reported through XXXX XXXX XXXX the same debt and I again disputed with the credit bureaus and the derogatory information was deleted. In XXXX of XXXX XXXX again reported the same debt through Radius Global Solutions and I am disputing this again. 

XXXX should be held accountable for failing to prevent fraudulent accounts and continuing to harass consumers with fraudulent debt reporting. There should be a regulation that requires XXXX to validate the identity of its customers at the time of installation of services, this will prevent future instances of 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