vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Ive had my account for over XXXX years and someone hacked into my account and they said they were going to fix it but closed my account down and I didnt get a follow up or call back seeing why my account got shut down. And I would notice money missing out of my 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 2023-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
The debt in question is older than 7 years and should be removed from my credit report. 

The company is misrepresenting the amount of time it has been since the first late payment was made. 

The first late payment to the client was made in XX/XX/2016 the debt collection company is attempting to state the first late payment was XXXX of 2016. 

This is not true I was evicted by XXXX of 2016. 

An item should be removed from a credit report 7 years after the first late payment is made.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
They have not resolved the inaccuracy in the accounts. they keep giving me the run around when they know they are violating my rights as a consumer and a citizen of the united states of america.

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 2023-02-01 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: MA

Complaint narrative:
They have not resolved the inaccuracy in the accounts. they keep giving me the run around when they know they are violating my rights as a consumer and a citizen of the united states of america.

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 2023-02-01 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion is reporting inaccurate unverified information on my credit report i have disputed the inaccurate information with no luck to today i am submitting a dispute with the source of their verification which doesn't reflect any bankruptcy being reported on my file

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 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023, I deposited a check for {$300.00} into my USAA account via the mobile app. It stated when I did the deposit that the check was going to be placed on hold. None of the funds were made available. I contacted a representative about the check hold later on in the day of the XXXX. She stated that the deposit had to be at least XXXX hours before and to contact them again the next day about getting the hold released or partially released. 

So on the XXXX I contacted USAA. Was told by the representative that the check was placed on an exception hold and that they wouldn't release any of the funds due to charge off accounts with the bank. I have previous employment history with banking operations and I informed her that XXXX XXXX from my understanding stated that an exception hold can only be used if the account has been repeatedly overdrawn ( which mine hasn't ), it's a new account ( which mine isn't ) or I have had other items previously return on my account ( again hasn't happened. ) She then told me that they can hold checks because of old charge off accounts and she has seen them do it since she began working there. However when I inquired about the supposed charge off accounts, she stated she couldn't give me any information and that I had to call another department. 

Then on the XXXX, I noticed the check I deposited had actually cleared my other bank, so I reached out to a representative again. I inquired about if the funds could be released since the other account showed the check already paid. And if I could send proof of that, could they release the hold. The gentleman told me that the funds weren't going to be released and that my check was put on hold due to previous charge off accounts. He told me the last XXXX of the account numbers but couldn't give me any more information. 

I looked up the banking disclosures for USAA. It states the reasons why they can place exception holds on checks. None of which apply to me. So they didn't abide by the XXXX XXXX policy and withheld funds from me that should have been made available. Even if part of the deposit was made available, I wouldn't have an issue. Not only have they failed at treating me like a customer that matters but they have also gone against a federal mandated regulation. If they can say they are using previous accounts as the reason for the exception hold then that needs to be stated in their disclosures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: Credit Karma, LLC
State: TX

Complaint narrative:
I have a credit report pulled, this would be a lot to put all dates and information in here but I have just gotten me a full report of this. I'm glad I did read the article because I didn't realize ( due to being uneducated in credit ) that these credit cards of pre approval was scams. I do have hard inquiries on my credit score and most of them I have no Idea where they are from and I just dispute one of them because I was so confused. I have applied for multiple credit cards on Credit Karma and I am denied all the time. So I decided to stop but I didn't know that was considered fraud I would have said something a very long time ago. This is very shocking and sad and one thing I do know is that my credit score is actually inaccurate which is why I only use them to pull what's on my credit but I do know they lie about my score all the time because when apartments do soft credit check they will say Credit Karma is not the most accurate this is your score but I'm wondering how do they come up with these numbers. I thank everyone for this information because I was about to file taxes with them due to XXXX charging all these fees and I am now I'm curious why I can't get the money spend account which is puzzling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2023 I made a deposit on mobile deposit the money was already in my account on XX/XX/2023 but someone took the money out now is on pending and my app is saying XXXX negative XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: MD

Complaint narrative:
Experian is reporting inaccurate unverified information on my credit report i have disputed the inaccurate information with no luck to today i am submitting a dispute with the source of their verification which doesn't reflect any bankruptcy being reported on my file also put a correct date of birth for me and remove the unauthorized inquires on my 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 2023-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: SC

Complaint narrative:
I owed {$1800.00} for a termination fee of my old lease. I was told by my landlord to not worry about other payments, but now Im hit with an extra {$1600.00} I do not owe and was verbally told I do not owe. I have emails asking to confirm if its okay from XX/XX/XXXX. I still have no answer. All I have is a debt collector calling me. I went ahead and paid the {$1800.00} last night and they said I can dispute the rest. As I was sent to their senior advisor I was told they will not accept my dispute and they told me why as I told them I can not afford just to pay a straight up {$1600.00} yet again since I just paid the {$1800.00} moments earlier. I was told to this is due to your negligence. You should ask you friends, family, or anyone else you can and see if you can borrow {$1600.00} and pay them back. Because the penalty if they want to come for that is the least of your worries. I then repeated most of that and the lady got mad and told me shes terminating and waving my option to dispute even though she wouldnt let me. Now Im stuck with {$1600.00} I dont owe. No way to hold off the payment and a rude altercation by a debt collector over money I again do not feel like I owe. 

I tried to reach out to them in email and phone call. My company wrote a letter on my behalf and couldnt get a response. And I was locked out of the building twice in the middle of work days to talk further about the {$1800.00} and when I can pay it. I was told to dispute it and I am not allowed too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: VT

Complaint narrative:
Hello. 

I booked a vacation rental in XXXX, XXXX that I discovered on XXXX The listing on XXXX directed me to this website. XXXX XXXX XXXX 

Through this website I inquired about the vacation rental I was interested in. I received a response. I was told the property is available and that I needed to transfer the full amount of the rental in order to secure the booking. Because this was through a XXXX booking site, they only allowed direct bank transfer. I used a site called wise.com to transfer XXXXXXXX euro into the account information provided. XXXX XXXXXXXX. I then received a confirmation of the booking. Also I was told I could cancel up to 24 hours before the booking.

When I tried to access the listing a few months later, it was completely gone. When I canceled the booking, I never received a refund. When I tried to contact the agency XXXX XXXX XXXX  I never received a response. 

Upon further inspection, this website is clearly fraudulent. Listings and descriptions dont match locations etc etc. They bate people through XXXX with the lure of a cheaper booking on their website. They further incentive the booking by allowing for a generous cancelation policy. 

I have reported this website and fraud to the US FTC and a local police precinct in XXXX, XXXX. 

I used Wise.com to transfer the funds to XXXX. One payment from my US checking account and one payment via my us XXXX credit card. 
I have requested that wise request a return of fund from your bank, but they do not seem able to do this. 

I will attach documentation of all related transactions. Email communication and police report. 

This website is still active and likely continuing to steal money from people. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPSERVICING LOAN XXXX THIS HAS TO DO WITH COMPLAINT XXXX WHICH SPSERVICING HAS REFUSED TO RESPOND TO MY ISSUES, NAMELY... 

1. I HAVE BOTH FLOOD AND WIND INSURANCE ON MY HOME. 
2. I HAVE RECEIVED XXXX SETTLEMENTS, XXXX FROM FLOOD ( XXXX XXXX ) AND XXXX FROM WIND ( XXXX & XXXX ) ; 3. I HAVE SUBMITTED ALL THE REQUIRED DOCUMENTS AND CHECKS TO SPSERVICING FOR THE FLOOD PORTION. THEY STILL HAVE OVER {$9.00}, XXXX OF MY, REPEAT, MY SETTLEMENT MONEY FROM THE FLOOD INSURANCE. 
4. I HAVE RECEIVED A SETTLEMENT CHECK FOR OVER {$18.00}, XXXX  FROM WIND ( XXXX XXXX XXXX ). I HAVE FORWARDED ALL THE REQUESTED DOCUMENTS TO SPSERVICING BOTH AT THEIR FAX NUMBER AND ON THEIR XXXX WEBSITE; XXXX. THEY CONTINUE TO REJECT THE ADJUSTER 'S ESTIMATES FOR THE WIND PORTION WHICH I HAVE SUBMITTED ( SEE ATTACHED PAGE.PDF ) XXXX. I HAVE CALLED NUMEROUS TIMES AND THEY ARE NOT, REPEAT, NOT RESPONDING TO MY CALLS OR ALL THE FAXES AND UPLOADS REQUESTING AN EXPLANATION OF WHY THEY ARE REJECTING THE ADJUSTER 'S ESTIMATE ( WIND PORTION ) AGAIN THIS HAS NOTHING TO DO WITH THE FIRST FLOOD CLAIM WITH XXXX XXXX XXXX. 

THIS COMPLAINT HAS TO DO WITH THE WIND CLAIM WITH XXXX & XXXX / XXXX. SPS SERVICING IS REJECTING THE ADJUSTER 'S ESTIMATE AND IS REFUSING TO TELL ME WHY SO THAT I CAN RECTIFY THE PROBLEM THEY HAVE AND GET MY ROOF REROOFED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo did not accurately record our payoff amount and did not provide correct amount for disbursement. They kept changing the payoff amount also and added penalties.

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 2023-02-01 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: PA

Complaint narrative:
( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting.

agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This issue is in regards to my Chase Bank Credit cards. I have two of them and am having the same issue with both. I have been sending in payments to Chase Bank for the past YEAR, and they have failed to properly apply my payments to the accounts to settle the balance and are knowingly and negligently ignoring my payments while wrongfully reporting to the credit reporting agencies of high balances that should not be since I have submitted payments in full via the payment coupons ( bill of exchange ), that they LIE about stating that they are not a valid form of payment in USD. Each correspondence I have from them after disputing with them back and forth for several months going back and forth with Chase Bank they have always referred to their Cardmember Agreement ( CMA ). Their CMA does not supersede federal law. Furthermore, being that they have access to my social security number, they have a fiduciary obligation unto me as the trustee of these accounts, and myself as the beneficiary. However, there has been a breach of contract because they have been acting in the capacity that only I can act in as I am the one that extended MY credit to establish these accounts. I have done everything that I possibly can as far as sending letters and payments via certified mail as proof. I have sent in power of attorney forms to take ownership over the accounts and they still ignored that. Every payment that I have sent in to Chase bank has been completely ignored but they have kept every single instrument ( never once sent any of them back ), but never applied any of those payments. I am owed equal value and consideration for every single one of those payments as they are bills of exchange that can be converted into the equal dollar amount on them pursuant to the bill of exchange act. Chase Bank needs to be audited for their fraudulent and deceptive business practices and the way they deceive innocent consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting. 
agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; accounts : XXXXXXXX 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 2023-02-01 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: PA

Complaint narrative:
( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting. 
agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation