vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX accusing Wells Fargo Atm Specialists in the case of XXXX XXXX XXXX XXXX of fraud and transphobia in the Atm department at the Wells Fargo XXXX XXXX XXXX Ca XXXX 
The atm XXXX told med told me I had won the case and I spent the money. No staff explained to me, to save the money just in case, the case doesn't go in your favor. 
I believe XXXX XXXX are a fraudulent online business, and they work out of XXXX XXXX XXXX and you can not call or get a hold of anyone except online via email. XXXX reporting this business to the FBI Fraud unit and Wells Fargo XXXX XXXX XXXX as well. For not making it clear on my case and because of your lack of good communication. XXXX out of my ssi check for the month and have no way to pay mortgage food, utilities and pay bills. Wells Fargo bank and staff have put me in a compromising and hardship position. And my credit possibly affected. Wells Fargo bank didn't not take care of me as a customer. XXXX in a precarious situation because of their lack of communication and transphobia. I don't know how many times I have said i go by he him and his and my name is XXXX. I get dismissed or blamed on the phone line. 
In one day, XXXX in the negative approx. {$2400.00}. from a credit reversal that no one said anything to me about. This decision is based on no evidence of manuscript, and I thought I had won, and I didn't get a chance to show my emails evidence, all gone and the XXXX has all the control and emails. I thought I had won by a letter from Wells Fargo sent me in the mail, putting back the money and fought for me and I had won and deleted the account and 3 months later get hit with a negative balance that affects my lively hood. Financially Wells Fargo actions, put me in the 6 feet underground. I don't have an account with XXXX. They have all my pictures, notes and work. They broke the contract by talking to you. And did they show you the email the collaborator writer said she would give back the {$1500.00} she didn't do the work. I wanted to discuss the {$980.00} I didn't believe the collaborator did about {$500.00} worth of work. Not professional writing and a huge disappointment. I was on a time payment schedule to make timely payments and the 2nd payment isn't ok for the changemakers to have. This is stealing. That is my money. For work that wasn't done. I talked with the writer after the money was sent on the agree contract. I have called the FBI and another business organization that will investigate this matter with XXXX XXXX and Wells Fargo in XXXX  Ca. The company has everything. They have the control. This is a Fraudulent business. I need help proving this. 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 2022-08-29 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: SC

Complaint narrative:
I XXXX XXXX has Incorrect personal XXXX is showing on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am XXXX that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 

Remove Names XXXX XXXX, XXXX XXXX XXXX XXXX Remove Names And addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX It has been over 30 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I XXXX XXXX has Incorrect personal Information is showing on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 

Remove Names XXXX XXXX, XXXX XXXX XXXX XXXX Remove Names And addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX It has been over 30 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies

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 2022-08-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX I woke up with an alert on XXXX stating that for the month of XX/XX/XXXX my account was delinquent for the month of XXXX in a result my credit score dropped XXXX  points. I check to see which account was reporting that information and it said American Express, I tried calling and speaking to a representative to get a letter stating that they did receive a payment on XX/XX/XXXX in which I have proof it was deducted from my bank account for the amount of {$640.00}. I then spent an hour and 15 minutes on the phone with AMEX playing phone tag between the credit bureau and customer service department nobody could get me a letter showing that for the month of XXXX my account was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act SENTRY CREDIT INC XXXX {$1300.00} - - - View Changes Account Information Address XXXX XXXX XXXX XXXX, WA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1300.00} Original Creditor XXXX XXXX  XXXX XXXX Past XXXX {$0.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
On XX/XX/2022, I received a Credit Alert from XXXX XXXX indicating that my Select Portfolio Servicing ( SPS ) Account Balance ( for my first mortgage ) increased to {$190000.00}. 

For the month of XX/XX/2022 my current Principle Balance for my SPS Mortgage is {$190000.00}, which is {$4800.00} less than what SPS has inaccurately reported to the Credit Bureaus. 

On XX/XX/2022, my Credit Score decreased by XXXX  points. 

I am respectfully requesting for SPS to accurately and expeditiously report my Principle Balance of {$190000.00} to all XXXX XXXX XXXX ; XXXX, XXXX, and XXXX so my SPS Principle Balance, Credit File and Credit Score are accurately updated and corrected in all of my Credit Reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent Experian atleast 4 letters about deleting extra addresses on my credit report that does not belong. I have sent proper ID ( DL, SSN Card, Bank Statement ) and they still refuse to remove those other addresses because they claim they are connected to Collection/ChargeOffs on my report. 

How did you verify these accounts : XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX I would like to know who you talk to

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 2022-08-29 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: IL

Complaint narrative:
XXXX IS REPORTING FRADULENT ACCOUNT ON MY CREDIT REPORT IT NEEDS TO BE DELETED ASAP CUSTOMER SERVICE IGNORES ME I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed the Initial Fraud Claim due to Identity Theft on XXXX ( at the same time I filed the claims with my other 2 Capital One credit card accounts ) yet when I called on XXXX to check the status, this claim had mysteriously gone missing. So it was re-filed on XXXX with XXXX, who did so very reluctantly. Not only that, but the claim was not notated re : missing original claim filed on XXXX nor did it include all fraudulent transactions and payments that I had just reported to her again. Within hours, before I could call Capital One again about these missing transactions, the claim had already been denied and closed. I received a notice from Capital One on XXXX, stating a credit was posted to my account ( from a previously reported fraud transaction ), and for me to not use my card anymore as it would be denied. I didnt use my card!! The account is closed according to Capital One! These are credits from the merchants with fraudulent transactions coming in and they are not aware of this??? or they refuse to correlate the two and conduct a proper investigation. As I understand this letter, it is stating it will deny any future transactions whether it is a credit refund or a debit charge. My card is closed and has been since I initially reported the fraud, so it is impossible for me to use the card. It is some of the merchants crediting back for the fraudulent transactions that have occurred. 
Capital One has not conducted a proper investigation for fraud claims per the rules and regulations set forth by the Federal Reserve Board. Capital One refused to correct the claim as numerous fraudulent transactions and payments were omitted which were included in my initial claim. 3 ) Supervisor immediately denied my claim as she made false accusations stating I made these transactions. Furthermore, she notated my claims suggesting " not true fraud '' and then immediately denied all XXXX claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a dispute about XXXX through Experian on approximately XXXX XX/XX/2022. Experian advised that they contacted the company reporting the information I disputed, supplied them all relevant information and any documents... 
XXXX stated to CFPB that they have received no correspondence or notice of dispute from the consumer... 
See company 's response report # ( XXXX ) Note XXXX stated that they receive no dispute but I submitted a dispute through Experian and Experian stated they did contact XXXX about my dispute.

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 2022-08-29 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: AZ

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a checking business account I used for long time with Bofa as long as I was making money with the company at the XXXX. I'm not doing business anymore with that company and I was keeping a low balance and paying for a business credit card attached to this XXXX, when I paid it off, of course I wanted to close it and then the nightmare started with Bofa representatives over the phone, sometimes two hours on that, and the response was always no, for example, it was {$29.00} at that time in the XXXX and they said, well, you have some money still there, {$29.00}, so, I said, ok, send me that refund by check by mail and close the XXXX, again, no, we can't do that, so, I managed to get the XXXX to {$0.00} and forgot to call them again, to be honest with you, I don't have to much spare time to be on the phone for something like this, I'm working very hard to make a living, and now, they are charging me the maintenance fee, with no money in the XXXX, so, anyway I can pay for that, even if it is not fair, but, please, help me to close this XXXX and help other people that they don't know what to do on a problem like this, thanks.

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 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed this account several times with Experian they are refusing to take it off my credit I have did everything to get it off my credit I have sent letters stating that it isn't mine every time I send them they say they haven't gotten it. This is getting out of hand, I cant even apply for anything because its reporting negative on my credit report. Im at the point where if it doesn't come off my credit I'm going to sue them.

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 2022-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
Many things have happened. I have two exs teaming up against and trying to take custody of my children. I am going through a divorce also. I have lawyer fees still, and don't even have a lawyer anymore. I have court dates coming up. I'm a single mother of XXXX  boys. I pay for everything with less income now. I don't want to lose our home. I need 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 explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX I called regional acceptance about receiving a 10 day payoff letter because I was refinancing with a credit union. I also made my last payment of {$370.00} on the same day as well. I was supposed to receive my check by mail on XX/XX/XXXX, XXXXIt has been over 3 weeks now and I still havent received my check. Ive called them multiple times and got the same excuse that they already sent it out and that its nothing they can 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 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/29, I received a series of 6 emails that a new account had been opened using my information : Bank of America XXXX XXXX Banking Account # : XXXX. I did not open this account and do not wish to have any accounts at Bank of America. 

I never verified the email address or phone number, but the person who opened the account was able to pass through all verification steps and successfully open a checking account in my name. I feel as though safety mechanisms did not work here. 

Further, I have called Bank of America 3 times today and have been transferred to a " Fraud '' department where I have been on hold for >1 hour each time. It's absurd that I can't speak to someone to report this fraudulent activity and close the account. 

Finally, the person who opened the account changed the contact email and phone number, so I have no means of logging into the account at all. Each rep has asked me if I can log in and to see the full account number for their investigation, but I obviously can't do that. 

The six emails attached were all sent within a 6 minute span from XXXX XXXX to XXXX XXXX. It's absurd that an entire account and all related emails/verifications can be worked through that quickly.

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