vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo hasnt been able to transfer the mortgage from my deceased mom into my name for almost 3 years. When Hurricane Sally hit Alabama and was declared a natural disaster by fema Wells Fargo still has not been able to endorse checks even though we have completed all hoke repairs out of pocket. It truly appears that Wells Fargo is trying to take our home.

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 2022-09-29 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: GA

Complaint narrative:
Acount number # XXXX ( XXXX I've submitted a letter to all three bureaus no response and nothing was done- on the credit report reinvestigation is in progress this has been since XX/XX/2021. I requested contract paperwork with my signature regarding this student loan, again I have no idea who this company is etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: CA

Complaint narrative:
The following inquiry is fraudulent and needs to be removed : XXXX XXXX ( XX/XX/22 )

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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I opened an account with Bank of America. I connected my external bank account to my BofA account through the online banking system they offer. I set up a transfer to have my funds from another bank deposited into my BofA account. I had two transfers initiated because each transfer has a limit of how much can be transferred at once. Two days after the transfers hit my account I tried using my debit card. Declined. Why? I had plenty of money in my account. So I call customer service. They informed me that they closed my accounts due to a " business decision ''. They would not provide me with a valid reason as to why. My account was closed on XX/XX/2022 and we are now at XX/XX/2022 and I STILL do not have my funds. Every time I call Bank of America they give me the same answer. " A Cashier 's check was created but we had to forward your case to another department for further review. '' When asked to speak with that department I am told that I have to wait for them to contact me via email. They can not be contacted via phone call, transfer or email. This is ridiculous and I just want my money so I can go to a bank that will value me as a client.

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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was charged for services I didnt receive from a merchant XXXX XXXX XXXX I disputed the charge with the bank and the bank miss handled my dispute and denied my dispute. They did not put in the correct reason for my dispute. And to my knowledge, its not giving me a valid reason why they denied my dispute. XXXX XXXX XXXX charge me for weeks I did not have the car. They charge me {$560.00} one charge and {$320.00} another charge that I did not do. They charge me for weeks I did not have the car. ( instead of them making my dispute reason not receiving goods or services, they made my dispute reason charges appears more than once on my account, which is the wrong reason ).

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 2022-09-29 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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name & Number XXXX  XXXX # XXXX, US DEPT OF EDXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX. 
Has violated my rights. 

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 States : 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 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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My balance was a positive and then they charged an overdraft fee

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 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I received a hard credit inquiry notification from my credit monitoring service. The inquiry was made for a new account with " TD Bank ''. I did not initiate this. I am in the process of trying to stop the account from being created, but my information is leaked enough for this to have been initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29 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: TX

Complaint narrative:
I have had problem with reporting agency Equifax for the last three years, I have been disputing items and account that do not belong to me for the last three years with Equifax, they just delete the items that I disputed and then after 2 months than they deleted these items from my account and they reinstall them again or just put new ones in my report, my credit score has dropped XXXX points due to these problems since then, I have sent documentation like three/four times in the past already to support my dispute claims and they are always asking for more and more documentation that I already sent in the past. I am just tired and too stressed with all this happening and I am appealing to this government agency to help me out with this matter. 
These are the items that dont belong to me : 1. Two hard inquires : 1 : XX/XX/2021. 2 : XX/XX/2021 2. Two wrong addresses in my file : XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX 3. Wrong name and address on file 4. Two installments accounts : XXXX XXXX XXXX account ending XXXX XXXX XXXX account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: SC

Complaint narrative:
Hard inquiries that are on my credit report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a natural person. I am a living human being. I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to 15 USC 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number # XXXX Ally Financial has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose. 

Late payments reported XX/XX/XXXX - {$290.00} XX/XX/XXXX - {$290.00} XX/XX/XXXX - {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC
State: NC

Complaint narrative:
This is a long story due to the incompetent employees at village capital. XX/XX/XXXX I closed on my house with them. XX/XX/XXXX they raise my mortgage by almost {$400.00} with the explanation of force placed insurance. Myself and my homeowners insurance company submitted all documents they asked for and waited for them to back date and adjust my mortgage correctly like they advised XXXX XXXX. Finally after over a month and many hours on the phone with them and my insurance company, village capital finds the mistake they made at closing. They forgot to include my wind and hail which does not need to be escrowed. They add it without my consent. They have refused to correct the issue or call me back/answer my calls and are negatively reporting to the credit bureaus. They are also applying my mortgage payments incorrectly. What they are doing is illegal. I have facts and proof of their wrong doing and so does my insurance company. XXXX and XXXX XXXX are the most unprofessional and disrespectful people I have ever dealt with. Math is not hard and numbers do not lie ; village capital does. This is a short version of key points. Just look at their XXXX and XXXX  reviews. The attachment is just one example.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are several years on my credit report that payments have not been reported by Equifax. they have failed to report several years of my payments on at least 2 of my mortgages with XXXX XXXX. XXXX. I tried disputing on line and it tells me to try back later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: KS

Complaint narrative:
( 1. ) During a phone call to Equifax after being verified the representative refused to update my current address. Please see attached signed Rental Agreement dated XX/XX/2021 ( XXXX ) During the same phone call with Equifax after being verified the representative refused to investigate disputes related to Hard Inquiries listed on my credit report, Stating they are a " Statement Of Fact ''.. 

FCRA Rules state that any information can be disputed and must be investigated. Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. 

15 USC 1681b [ C ] [ 3 ] ( 3 ) INFORMATION REGARDING INQUIRIES Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

15 USC 1681s-2 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
Received a bill in the mail from ON LINE INFORMATION SERVICES stating I have an outstanding debt from XXXX XXXX in the amount of {$470.00}. I called to dispute their claims since I have NEVER been to Texas or created any bill from there. The first time I called, I was abruptly hung up on but, the second time and a different lady was a bit more informative and led me to this service. Please take care of this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone is using my personal information to try to open up credit cards and loans. I have put a freeze on XXXX, transunion and XXXX I received alert of hard inquiries that I did not apply for. Also received letters from companies. I have called them to resolve. I need help making sure whoever is doing this to stop trying to apply for credit cards and loans. Very scary.

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 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone is using my personal information to try to open up credit cards and loans. I have put a freeze on equifax, XXXX and XXXX. I received alert of hard inquiries that I did not apply for. Also received letters from companies. I have called them to resolve. I need help making sure whoever is doing this to stop trying to apply for credit cards and loans. Very scary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone is using my personal information to try to open up credit cards and loans. I have put a freeze on XXXX, XXXX and experian. I received alert of hard inquiries that I did not apply for. Also received letters from companies. I have called them to resolve. I need help making sure whoever is doing this to stop trying to apply for credit cards and loans. Very scary.

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 2022-09-29 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: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
I recently got a copy of my credit report & im seeing inquires on my report that I didnt authorize. I called the police department & they told me I may have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: CA

Complaint narrative:
I sent my letter off XX/XX/2022. I told the credit bureaus they were reporting inaccurate & incomplete information on the accounts I have listed below. Also I have attached all of the letters I've sent out. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or e-mail in a fraudulent account. Also according to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: Block, Inc.
State: NC

Complaint narrative:
Someone stole my card from cash app used all my money fraudulently in authorized transaction XXXX $ XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Our mortgage has been transferred to Select Portfolio Servicing in XXXX this year. Since then, we have been paying our mortgage on time every month. 

However, SPS has created false debits and credits to our account, creating a manufactured negative balance. As a result, their customer support people have been calling us every week about missed payments. Every week, we explain all payments have been made and every week they say the error will be corrected on their end. However, every week, some different associate calls us with the same issue with no record of any previous conversation. 

They have also said the account will go into delinquency and that it will be reported to our credit reports, ruining our credit scores, due to SPSs fault. 

This company is totally incompetent and should not be in the loan servicing business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I used to have a bank account with Simple, a XXXX  company that combined banking with extremely useful budgeting tools. 
Year over year, Simple ran a deficit of $ XXXX and were unable to keep their doors open. As a result, BBVA ended up buying them out, and several months later PNC bought BBVA out. 

PNC is claiming that I had a balance owed of {$100.00}. Not only was it impossible to carry a negative balance on Simple, once BBVA bought them out **I did not touch the resulting account/s, assuming that it would close on its own. ** PNC has willingly engaged in submitting fraudulent collections claims on my person, presumably because they realize they made a terrible financial decision by buying BBVA. 
They need to be held responsible to the fullest extent of the law. You do not pass off your poor financial decisions on the customers you acquired in bad faith.

Company response to consumer: Closed with explanation