vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have noticed incorrect and/or, 3rd party notifications. With, incorrect balance ; leading to charge declines at POS. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} ; from : confirmation XXXX ( XXXX XXXX acct XXXX ). This was not reported on my balance. There are many XXXX refunds totaling $ XXXX. Also, a refund from XXXX, for {$3200.00}. I have confirmation of these refunds but, they were not reported. There were incorrect charges on my recent travels, totaling $ XXXX. Covid rules, caused my trip to be stopped during a layover. I had to cancel unused trip expenses, because my airline would not allow my flight, due to Covid restrictions. 
There have been unauthorized charges of ; fees, after service ; amounting in $ XXXX dollars. This has happened while I have been travelling. Inaccurate balance notifications, during my trip has caused distress.. 

After, I reported these errors and cancellations to Wells Fargo, they advised that they will be closing my account. Please insure my deposits. I had {$50000.00} in my account in XX/XX/2020. I am always aware of my actual bank balance. I do not spend more than I have accounted. 

My Wells Fargo account number is : ( routing XXXX ; account XXXX ) Thank You, 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
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Asset Management Holdings, LLC
State: TX

Complaint narrative:
Hello I am following up on a complaint I submitted last year. 

The complaint number is : XXXX The complaint is filed closed but I am not exactly sure what happened with this case. I never received another call from the company trying to secure payments and I filed a complaint with the Dept of Savings and Mortgage Lending in the State of Texas and the company is not registered to do business in the State of Texas so I am wondering if anything has happened to the company and if charges have been pressed and what the end result of this lien is on my house. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my husband and I mailed letters to the credit bureau, asking them to investigate and correct errors that appear on our credit report. They are required, by law, to respond with the results of our investigations within 30 days. Today is XX/XX/XXXX, and we have yet to receive our response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have now twice requested help in writing from USAA Savings Bank. Once in XX/XX/2020 and again a couple of days ago. I have contacted USAA Savings Bank through XXXX XXXX to resolve this matter. I am unable to go on-line through computer because the program does not allow for this sign-on. 

I mailed my payment a week ahead of the due date. It was not cashed until after I was charged a late fee, which is what I am asking to be removed from the account since I mailed the payment a week ahead of time. 

I'm hearing impaired and have explained that I wanted help in writing, not a telephone call. There has been zero written communication from USAA Savings Bank to me for the XX/XX/2020 request and so far, a telephone call today. The facebook messages all want me to sign up on line through a mobile device. This is active discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America deducted an extra montage payment ( {$3000.00} ) from our checking account on XX/XX/2020 even though we only authorized one payment on XX/XX/2020 which was deducted as well. 

We made 4 attempts via the bank 's secure messages and requested the bank to return {$3000.00} to our checking account without any results. 

On XX/XX/2020, I called XXXX and finally received a service request confirmation # XXXX and was assured that the refund will be posted within 24 hours. 

As of today, XX/XX/2020, I still have not received the refund. 

Thank you for your assistance in advance. 

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 2020-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Due to the CARES Act. I'm unable to pay down the principal balance of my student loans until the accrued interest has been repaid. Prior to the CARES Act, each payment was split between interest and principal. The onl y way to mitigate this is to release the CARES act benefits from my ac count ( administrative forbearence and 0 % interest until XXXX  ). No other loan allows the lending party to dictate payment term s after the agreement has been set while the account is in good standing. This was a cash grab by Nelnet and other student loan servicers to get their profit before a consumer gains any reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
IT HAS BEEN HELD IN XXXX XXXX XXXX THAT DEBT BUYERS COULD QUALIFY AS DEBT COLLECTORS. THEREFORE, LVNV IS IN VIOLATION OF THE FDCPA FOR FAILING TO XXXX ALLEDGED ACCOUNT ILLEGALLY REPORTING ON MY CREDIT FILES UNDER ACCOUNT # XXXX. 
LVNV RECEIVED MY VALIDATION REQUEST I SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED AND A DISPUTE TO CREDIT BUREAUS DISPUTING THIS ALLEDGED DEBT IN ITS ENTIRETY ALSO SENT CERTIFIED MAIL. 
LVNV IS IN VIOLATION OF THE FCRA AND FDCPA FOR NOT MARKING THIS ACCOUNT AS DISPUTED.I HAVE COPIES OF CREDIT REPORTS ALONG WITH DATES FROM CERTIFIED MAIL RECEIPTS AND CREDIT REPORT FILE # NUMBERS ON CREDIT REPORTS SHOWING BEFORE DISPUTE AND AFTER. 
I AM A LITIGIOUS CONSUMER AND WILL NOT ALLOW MY RIGHTS TO BE VIOLATED. I WANT THIS INACCURATE, INJURIOUS ACCOUNT REMOVED IMMEDIATELY FROM MY CREDIT REPORTS.THIS ACCOUNT DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my husband and I mailed letters to the credit bureau, asking them to investigate and correct errors that appear on our credit report. They are required, by law, to respond with the results of our investigations within 30 days. Today is XX/XX/XXXX, and we have yet to receive our response.

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 2020-08-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, my husband and I mailed letters to the credit bureau, asking them to investigate and correct errors that appear on our credit report. They are required, by law, to respond with the results of our investigations within 30 days. Today is XX/XX/XXXX, and we have yet to receive our response.

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 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
I opened a First Citizen 's Bank checking and savings account as a result of a {$300.00} bonus promotion being offered. The terms state to receive the Free Checking bonus of {$300.00} I would need to open an account, make 10 debit transactions within 90 days of account opening, and concurrently open any new savings account. Upon completion of these requirements the terms state that I would receive the {$300.00} bonus within 120 days. I fulfilled all of the requirements however I never received the {$300.00} bonus within the 120 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I noticed today XX/XX/20 on my banking app that my balance was a few XXXX dollars short and I immediately had an unrecognized XXXX gas station charge for XXXX . I've never spent that much at a gas station in my life! And I drive a XXXX XXXX. The charge was a 40 minute drive from me. I called XXXX and they say my debit card was most likely skimmed and duplicated. I've been holding back tears all day. My life has been hard enough with this pandemic going on. I already contacted my bank, Bank of America but I want a fair and speedy investigation and accountability. I'm missing at least XXXX $ maybe more.

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 2020-08-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$2600.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Fraudulent XXXX XXXX has been removed from my Account # XXXX Experian and XXXX are fraudulent on the following accounts : XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX on my credit Acct # XXXX fraud. 
XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX is fraudulent on my Account Number : XXXX XXXX is fraudulent on my Account Number : 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 2020-08-28 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: NCB Management Services Inc.
State: WI

Complaint narrative:
Recently after obtaining a copy of my credit report I discovered that NCB Management Services Inc is listed as a current creditor for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is reporting as open, and " Charged Off '' including Remarks ; Disputed resolved ; reported by grantor, consequently inaccurate balances have been furnished to all three credit bureaus. It appears the original creditor, [ XXXX ] sold the account to NBC Management Services for collection on XX/XX/XXXX, the initial loan amount reports a balance of {$2500.00} and secondly, a balance of {$2300.00} several disputes were filed with the Credit Reporting Agencies ( verbally and written ) between XX/XX/XXXX and XX/XX/XXXX. ( see attachment ) All three credit reporting agencies investigations have responded with " verified as accurate. '' According to the FCRA Section 609 ( a ) ( 1 ) ( A ) ( a  consumer contract with my signature on it ) is required and Section 611 ( 5 ) ( A ) mandates " promptly '' DELETION of all information that can not be verified. '' NCB Management has failed to provide its source about how this information was obtained in accordance with the FCRA, and has owned the account since XX/XX/XXXX and failed to provide appropriate debt validation required by federal law verification before posting to my credit report An attachment is included with complaint confirming a request to obtain debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MD

Complaint narrative:
I noticed a charge on my card for {$190.00} from XXXX XXXX California on XX/XX/2020. I called to start a fraud claim. I didn't cancel the card then because I wanted to transfer the funds to another account. XX/XX/XXXX, my bank was closed so I transferred the funds via the website. I did not want to transfer the funds that way but had no choice. The gentleman that answered the call canceled the card and transferred me to the fraud department ; who completed my request. After filing the claim another transaction from the same company hit my card this time for {$290.00}. When I called back the next day to report it I was told it was still processing and another charge for {$98.00} was also pending from the same company. I was encouraged me to still speak with the fraud department again. I held on for three hours only for the call to be released. I attempted again today and the call was released again.

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 2020-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NY

Complaint narrative:
I signed up for an account, they said if I leave XXXX in there for 60 days theyll give me {$200.00} but the money was never credited.

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 2020-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RR Resource-Recovery
State: NY

Complaint narrative:
This company RR Resource Recovery LLC is trying to attempt to collect a debt that was NEVER owed! Account XXXX I am reporting this company for fraudulent charges made upon me. This bill is NOT due and was never due!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX   XXXX US DEPT ED XXXX {$5700.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$2200.00} XXXX/DOFED XXXX {$9500.00} XXXX XXXX XXXX {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX   XXXX US DEPT ED XXXX {$5700.00} XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$2200.00} XXXX/DOFED XXXX {$9500.00} XXXX XXXX XXXX {$340.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXXXXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX   XXXX XX/XX/XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$850.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$9800.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX   XXXX XX/XX/XXXX XX/XX/XXXX {$1200.00} XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX {$850.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Fraudulent XXXX  XXXX has been removed from my Account # XXXX XXXX and TransUnion are fraudulent on the following accounts : XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX on my credit Acct # XXXXis fraud. 
XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX  is fraudulent on my Account Number : XXXX XXXX is fraudulent on my Account Number : 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 2020-08-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine. 

These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My first dispute was sent on XX/XX/XXXX for identity fraud. I sent an FTC report along with a police report. Transunion is refusing to remove 4 items from my credit report. They are XXXX XXXX XXXX XXXX. XXXX, XXXX, and XXXX XXXX XXXX XXXXXXXX. I want these blocked from my report. I received results that these were verified so I called on XX/XX/XXXX to start another investigation. I just want these items removed completely instead of them XXXX them out.

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 2020-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Online message sent to Chase on XXXX XX/XX/2020. Promised a response in 1-2 business days. NEVER RECEIVED A RESPONSE ... ..

Company response to consumer: Closed with explanation