vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2023, I deposited a check from my mother ( XXXX XXXX XXXX for the amount of {$500.00}. She banks with XXXX XXXX XXXXXXXX. I bank with Navy Federal.

I receive a letter shortly after from Navy Federal that the check could not be paid and the funds were taken out of my account. However, the funds were never returned back to my mother at XXXX XXXX XXXXXXXX. 

The reason for this was because the account could not be located. The issue is because my mother 's signature on the check overlapped a number. I mobile deposited the check and I'm assuming that the automated deposit system or the incompetent worker behind it misjudged the routing number and made it incorrect by one digit. 

I notified my mother and she went to her bank to resolve it. Unfortunately, they told her that Navy Federal would have to resolve it on their end. 
I speak to Navy Federal, and they said that the funds are stuck with the Federal Reserve because they did not receive anything, so they couldn't pay me anything.

I notified my mother again, and she went back. Her bank said they couldn't do anything. So I spoke to my bank again. 
Today, my mom went back to XXXX XXXX  XXXX and her bank said that they could not do anything and for me to submit something with my check fraud dept. 
I spoke to Navy Federal again, and they were unwilling to help me whatsoever. Saying that they couldn't do anything except for advise me on what to do, which is tell my mother to speak to her bank and send me a letter in x amount of business days saying that i didn't receive the funds. 

Both banks are playing games and I have absolutely no more patience for it. 
I called the Federal Reserve hoping that they could resolve it, however they said they do not hold any money and to contact you guys. 

So here I am. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have been a Bank of America customer, with both a checking account and credit card, for over 20 years. Last month ( XXXX  XX/XX/2023 ), BofA closed my credit card with no warning for not using it recently. This is despite them having a number of ways to contact me : email, phone, in-app notification, etc. The card 's closure had a severe negative impact on my credit score because it was by far my longest tenured card. I never would have allowed it to be closed and would have made use of it immediately if I had been properly notified that it was at risk of closure for lack of use.

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 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2024 my home computer screen was hacked by someone allegedly assisting with a problem. The screen went black and then it was all gone. I had no control over the situation but immediately suspected fraud. I contacted my bank within minutes and indeed a transfer had just been sent. This was not instigated by me and not authorized by me. I drove to my branch right away but there was apparently nothing they could do. My own branch was helpless! My wife and I have made dozens of phone calls to Wells Fargo since the theft and all end up in frustration and many hours of wasted time as if the representatives are only trained to frustrate and deflect. In subsequent calls Wells Fargo has admitted the fraud and that this was unauthorized, but, to date not a single penny has been returned to my account and Wells Fargo remains unwilling to resolve this. I have resisted any formal complaints, having once had faith in my bank, but I am left with no options. I simply want my stolen money returned.

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 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a bill for {$22.00} on an account I had closed months before. When I called they said it was for my Cash Advance Account that hadn't been closed. I advised them I went to the bank, closed the account, theny said I owed some money, which I paid, then the owed me money, which they paid, then they cut up my bank card and I left. Months later I get a bill for {$20.00} for the Cash Advance.

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 2024-01-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a follow-up to my previous dispute regarding fraudulent inquiries on my credit report. Despite my initial request, the unauthorized inquiries persist. 


Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This is a follow-up to my previous dispute regarding fraudulent inquiries on my credit report. Despite my initial request, the unauthorized inquiries persist. 

Here are the inquiries listed below. 

Account Inquires XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: MicroBilt / PRBC (formerly CL Verify)
State: TX

Complaint narrative:
I obtained a copy of my consumer report from this company that I NEVER gave them any authorization or approval to furnish this private information.i offer my testimony herein that I have not I have not authorized or given anyone access to my private and confidential records and certainly not the information youre reporting.

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 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had a checking account opened with Wells Fargo and suddenly they claim to not want to do business with me anymore. No specified reasons but just allowed me to get my money back and they would close my account at the end of XX/XX/XXXX. I am continuing to get correspondence from Wells Fargo regarding my accounts balance. Ive went to the branch more than five times and the same thing, they call to find out my account cant be closed because its over in the fraud department. I finally talked with them several times and was promised that it would be closed. I asked for an email and a letter once this is done. Talked with the fraud department in XX/XX/XXXX and was promised the same thing again as it was elevated up to their supervisor. To this date of XX/XX/XXXX XXXX still receiving correspondence mail that my account is still there. They are totally ignoring this after they are the ones who requested to close my accounts. This is truly aggravating me and I need assistance getting away from them totally. Please 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I recently did an investigation into my credit and was horrified at the discrepancies that I saw. I am a man of business and work hard to maintain my credit and these false reportings are causing a riff with not only my business but with my personal life as well. The bureaus inability to put in the work to ensure what they are reporting is accurate is creating major issues for me and I need this corrected at once.

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 2024-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reviewed my consumer report and i have been violated as transunion has NEVER provided me copies of my written proof and I need my proof of consent of any of these inaccurate remarks to be updated and corrected now.. they are causing me harm and i demand that they remove this illegal and fraudulent reportings and i have been dealing with this for months. 
Transunion is reporting inaccurate information and they have no consent and proof of our contract to provide me a copy of the written letters signed by me and I need all these fraudulent reportings and remarks and accounts to be updated as this is causing me severe harm and i had a XXXX credit score and now i am being damaged and i need this updated immediately. 

Here are the inaccurate and fraudulent reportings of inquires that they have no written consent to access my information and my consumer credit file. 

Inaccurate and fraudulent reportings : Inquiries WITHOUT MY CONSENT DELETE THESE TRANSACTIONS immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE UNAUTHORIZED TRANSACTIONS and illegal access to my credit file. If they are reporting these transactions, then they need to give me a check for the funds they accessed and got paid for as they are committing securities fraud on me, the consumer. 


I need this taken care of immediately... 

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 2024-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX A Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: OH

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was sold and bought illegally. I was a victim of the Equifax data breach. I want these items Deleted from my credit reports, elective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: NATIONAL ASSET MORTGAGE, LLC
State: IN

Complaint narrative:
We have been many months trying to communicate with National Asset Mortgage. Various phone calls, emails to establish a communication for how interest appears to be over charged on my account each month via statement and via a statement print off sent to me by National Asset Mortgage still with no comminication back. 
On a balance of XXXX at 10 % interest I was charged XXXX when the math works out to XXXX which is also what my XX/XX/2023 statement shows owed. 
My XX/XX/2023 statement shows I owe XXXX in interest on a balance of XXXX and this would be a correct calculation. However ; I was charged XXXX This has continued for many months prior. None of the monthly interest payments are correct for quite some time as far as I can tell. The latest several months I have been charged more than what I was 2 years ago in monthly interest even after having paid off about XXXX of the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking through my credit report and saw hard inquiries that are not mine

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In reference to an account of XXXX XXXX : XX/XX/XXXX - I sent a letter letting Experian know that this account is not being reported correctly, and to please update to show that it's never been paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Experian following up that this account is still showing incorrect information and that it needs to be updated to show never paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Experian letting them know that this account is still showing incorrect information, and that it needs to be updated to show never paid late. I asked for the method of verifying this information - but again, never received a response. 

XX/XX/XXXX - I sent a letter to Experian informing them once again that this account is continuing to show incorrect information, and it needs to be updated to show never paid late. - Once again, no response. 

XX/XX/XXXX - I sent a letter to Experian explaining the numerous letters I have sent to them over the months since XX/XX/XXXX- and explained that they continue to report inaccurate information that is damaging my credit profile. I sent them factual information that shows the data furnisher that is reporting this account is reporting different information to different credit bureaus. There is NO WAY that this can be verified as accurate. I advised that if this was not resolved, I would be filing a complaint with the CFPB. 

I have never received any response to my letters. The only way I know what is going on is by looking online at my credit report/profile to see what they are updating. They continue to report inaccurate, damaging information and continue to put a statement that it has been verified on 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 explanation
Consumer complaint received 2024-01-17 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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: NJ

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I have filled out a XXXX form for Genesis Financial Solutions, and the IRS accepted it on XX/XX/2024 This form has now become a certificate of indebtedness and is considered income. Companies generally discharge their debt by XXXX of the following year. Once the debt is discharged, it is illegal to try and receive payment again. Please update my accounts ending in XXXX and XXXX and mark them as paid as agreed by all third-party agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Hi, I am writing this complaint in regarding Caine & Weiner poor customer service. I spoke to a manager by the name of XXXX XXXX. I informed XXXX of the federal laws that protects consumers under FDCPA and FCRA. She was misinformed on the FCRA federal law 15 U.S. Code 1681b ( a ) In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I HAVE NEVER GIVEN WRITTEN PERMISSION TO ANY CONSUMER REPORTING AGENCY TO REPORT ABOUT MY PRIVATE DEALINGS OR INFORMATION. THE SHARING OF MY PERSONAL INFORMATION WITHOUT CONSENT IS IDENTITY THEFT. I HAVE NOT GIVEN CONSENT TO ANY CONSUMER REPORTING AGENCY EVER OR CAINE & WEINER. XXXX did state at the beginning of the call the debt miranda. I asked XXXX if her company has to abide to the FDCPA federal law. She refused to answer along with disconnecting the call. She violated 15 USC 1692e ( 2 ) by stating I owe any allege debt in the amount of {$300.00}. They are using false representation by stating they are working for progressive pursuant to 15 USC 1692e ( 10 ). XXXX XXXX said she believes I was reading from XXXX. I quoted her federal laws from FDCPA. Caine & Weiner should educate their team on federal consumer laws and this will prevent from further lawsuits.

Company response to consumer: Closed with explanation