vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2020 at XXXX XXXX I deposited around {$1200.00} into a Bank of America ATM ID # XXXX. The ATM glitched out and only credited me for {$300.00}, saying the remainder amount I would need to call and open a claim with the bank. I opened a claim for {$1000.00} and the person on the phone told me even though its over the remaining amount I originally thought, that theyd be able to find and allocate the money for me no problem. The credited my account for {$1000.00} and within a few weeks I received a letter stating the claim will be closed and the {$1000.00} will be debited from my account because they were not able to locate that amount of money. So I took all of my money out of that checking account and closed my account and said goodbye to them. They then re opened my account without my permission and took out the {$1000.00} leaving me with a negative bank balance. I spent much time calling claims over and over, they now told me they found a lump some of money in that ATM, but it was lower than that amount so therefore they cant tell me how much they found and that is why the claim was closed. I was told to re open the case for less than the amount I originally put. They had me hand write a letter to fax in, was given the wrong fax number, then had to go through the process AGAIN of writing a hand written letter to then the correct fax #. I was told they were not accepting my claim because supposedly the amount of money I put was STILL not completely accurate, therefore they couldnt tell me how much they found and therefore they would not accept my claim. I was told many times that they found overcharge in that ATM, but were not willing to help me as a valued customer of over 10 years. Now Im receiving notice that my negative account will be closed by XX/XX/XXXX and reported to the credit bureau.

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 2021-08-20 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 was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called XXXX or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. The bureaus so far have refused to delete it which I have no idea why. I also got a response from XXXX with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue everyone involved.

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 2021-08-20 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: NJ

Complaint narrative:
There are Multiple fraudulent accounts on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: NH

Complaint narrative:
My account was mistakenly sent to Firms collection agency, and then they withdrew it.. 

XXXX  and XXXX  deleted it quickly. 

Experian has it marked " PAID '' and " CLOSED '' but still a collection account. Even after my dispute with them. Experian needs to delete it. 

This has a huge impact on my score and needs to be addressed.

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 2021-08-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX CARD-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/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 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX, the merchant XXXX XXXX in XXXX, credited my credit card account for the amount of R {$8700.00} ( approx. {$1800.00} ) which I never received. The merchant sent a document confirming this credit to my credit card ending XXXX, which is the one I had used to make the original purchase, but was later replaced by PenFed Credit Union in XX/XX/XXXX due to a loss of it. I have tried repeatedly to get a response as to how to obtain this credit I am due, and have been unable to so for the last five months. They now claim that the time to make a charge dispute has lapsed. However, this is not a charge I am disputing, but rather a pending credit to my account. This is absolutely unacceptable and a violation of my rights as a customer. Please find attached a copy of my first letter to PenFed, a copy of their response, and the referenced transaction with authorization code.

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 2021-08-20 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: AZ

Complaint narrative:
I had my XXXX debit card stolen by my ex. I found out today the XXXX of XX/XX/XXXX that she made several atm withdrawls on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. The banker asked me if I had my pin written down and if my card was stolen YES I told him and he said that it will not be covered?? this is at a wells fargo XXXX bank account? What do I do??

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 2021-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have tried to contact capital one but I dont have access to them at all,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Ordered some king crag from a site that was a fraudulent site, disputed the claim with chase bank they put money back in my account and then reversed the fraudulent charge back to my account because the site sent them a fraudulent tracking # and date it was delivered to my home through the email. Which it was not delivered. I gave the chase bank manager the document that shows that the site was a fraudulent site. Plus the XXXX XXXX  has a notice that this site fraudulently used their home page to do this fraud. The XXXX XXXX Site itself has a notification on its front page of this notice of the site XXXX does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I was scammed when I was in California about a job offer and a company needed to use my bank account to send transfers over. After I realized I was most likely being scammed I tried to stop it but was threatened to send the money. I sent {$5000.00} through cash app and now my bank is holding me accountable for it. I tried contacting the people who scammed me to just send it back and itll be over and they threatened to show up at my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My XXXX XXXX card was charged {$24.00} from Trans Union on XX/XX/2021 in CA. I was in CA on a trip on that day and 10 days previous. I have never used Trans Union or have any reason to use them. I called the contact number on XX/XX/2021 when I received my XXXX bill to dispute the charge. I was transferred to 5 different people, after each one got my info they said they couldnt help me and continued to transfer me. Each time they asked for my SS number, ( which I would only give the last 4 digits ), address and phone. The last person also wanted my bday, which I would not disclose. I truly believe this company is a scam and want to file this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
I have contacted Credit Control Corporation on 3 separate occasions in the last 90 days requesting validation for 4 different accounts they are reporting g in my credit. I have expressed several times that I do not feel I owe these debts. The last time I called and requested them to send it out, the girl I spoke with refused and said she could not send me anything. I requested a manager and she refused to transfer me then hung on me. Very rude and unprofessional. My right to seek validation is being violated. I have given ample time for proof of these debts to be provided. I gave also disputed on my reports and nothing is being done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I have this account that is not mine and i want it to be removed. 

1. Identity Theft XXXX ( Original Creditor 05 XXXX XXXX  ) Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: DC

Complaint narrative:
On XX/XX/XXXX XXXX PM Spoke to XXXX Rep in their Pay Off Dept. ; ( Refi Officer asked that I contact them for a corrected Payoff Statement ), was told take I missed a Mort. payment, although she could not tell me when ; prior to calling, uploaded Banks Stat from XX/XX/XXXX thru XX/XX/XXXX showing payments made to XXXX in their online portal. Tried to get her to verify receipt, she would not. I'm trying to Refi ASAP ; XXXX countinues to submit Pay Off Statement showing I missed " XXXX 's '' pymt ; I did not ; When I messaged XXXX on their portal, they thank me for that pymt, and that they now would be apply to " XXXX 's '' missed pymt ; I did not. 

XXXX has reported to Experian that I missed XXXX 's mortgage, I did not. The proof is attached and was also given to XXXX on XX/XX/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 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I initially contacted Transunion to dispute this inaccurate account XX/XX/2021. I received a response from Transunion stating that the account was verified by the US bankruptcy court of Colorado, which was inaccurate. I contacted the US bankruptcy court of Colorado, and I was told by the court clerk that the court does not provide any consumer information to 3rd party reporting agencies. Transunion willfully and knowingly gave me false information, and did not follow the guidelines congress set pursuant to 15 USC 1681e ( b ) Compliance Procedures.

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 2021-08-20 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo checked my credit XX/XX/2021 and I did not authorize them to do so. It is on my credit report. I have no credit cards nor loans with Wells Fargo. I have not applied for anything at Wells Fargo. 

Last updated Today Credit Alert New Inquiry Wf Crd Svc XX/XX/2021 from 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 2021-08-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear WSFS, Attached please find IRS Form XXXX from XXXX XXXX XXXX. 

Attached please find Plaintiff 's Exhibit # 10 from Case No. XXXX XXXX County Florida. 

Attached please find XXXX XXXX XXXX XXXX Loan Schedule re account # XXXX. 

Attache please find XXXX XXXX XXXX XXXX Loan Schedule. 

It appears the 1099 A from XXXX  is inaccurate including but not limited to lender name, amount and account number. 

Kindly please provide accurate IRS Form 1099A or please us a send copy of letter from WSFS to the Internal Revenue Service that the attached 1099A from XXXX  was sent in error.

A copy of the financial statement that would prove what account was recorded to the accounts receivable ledger is also hereby requested.

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been trying to save my home and the lender continues to play games with my loan. They first messed up on my original review and tried to blame the reason that my counselor had given the wrong answers. After waiting over 4 months for them to close the previous review they are continuing to misplace my information. 

My counselor XXXX XXXX called them on Monday XX/XX/XXXX and they advised that I could move forward with 2 options. A partial claim by itself or a HAMP with a partial. My counselor advised them that I want the HAMP with a partial claim because that would benefit me the most. 

Today on XX/XX/2021 they continue to ask the same thing over and over again! I have already advised them what would benefit me and I don't need them to give me another excuse!!!

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 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is making it difficult to manage my credit freeze. 

I originally froze my credit years ago. I never received the " pin '' from Experian in the mail. 

On XX/XX/2021 - I attempted to unfreeze my credit. 
- Followed the website guidance, created an account, no interface to manage credit freeze, offered a paid service called " XXXX ''. Clearly misleading information. 
- Experian hid the credit freeze service, so I searched XXXX to find the Experian website to manage credit freeze. I filled out the information, it failed to work and required me to send in a snail mail letter with a bunch of personal information. This would clearly take several days to resolve. 
- I called their customer help number ( XXXX ) XXXXXXXX during normal business hours. The prompts never let me talk to a human. The system hung up on me 3 times. 
- During three attempts, it asked " If I would like to have my pin sent via the mail '' again it transferred me and dropped the call. 
- I tried their online chat service, it was mostly unavailable, stating " All chat agents are currently assisting other customers ''. The three times I was able to " get in '' the chat service had an error, " Sorry, an internal error has occurred and this chat could not be started. '' I had success unfreezing my credit with XXXX, XXXX, and XXXX. Experian is clearly making it hard to manage credit freezes, not following the law regarding time to freeze and unfreeze. Lastly, they are misleading consumers to pay for their " XXXX '' service.

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 2021-08-20 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: AL

Complaint narrative:
I called Experian fraud dept. trying to remove unauthorized hard inquiries off my credit report, the representative refused, and misinterpreted what I said and refused to remove misspellings of my name ; or help at all, at my request she took my number and stated a supervisor would call me within 24-72 hours

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 2021-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation