vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello, I have multiple times to call Branch to get into my account I have been on hold for over 3 hours on different phone calls and not one person answered. I emailed them multiple emails claiming that nobody is helping me get to the bottom of it. I have a balance of XXXX in the account. The branch people sent me an email of directions to fix the problem but that did not work I have done everything step by step and still no response or answer.

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 2023-01-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. sec 2 : It also States a Consumer Reporting Agency can not furnish an account without my written instructions.

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 2023-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
It's about a previous complaint against TD bankXXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX Account XXXX In XXXX ), which TD bank claimed in their response that they have fixed the issue already. 
As you can see from the most recent statement attached ( XXXX statement ) and the most recent minimum payment ( XXXX ) that they have not! 

1.Still, I am being charged for the returned item ( XXXX XXXX phone ) for the amount of {$1100.00}. ( Credit plan # XXXX in the XXXX Statement ) 2. They did not apply the monthly minimum payment due for the remaining balance of {$97.00} to {$2.00} as per their response ( credit plan # XXXX ). 
You can till from the attached screenshot of the XXXX minimum payment. 

3. Td bank is charging me for late payment fees of {$29.00} for these previous issues ; hence, I just paid for the right balances ( {$100.00} ) not the whole wrong minimum.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
Approx XX/XX/2023 I received notification of {$2000.00} transfer to my CashApp account. 
Using the app I tapped the prompt to retrieve funds. A message said they had already been claimed. 

I contacted the support who authenticated me then said I wasn't eligible to continue for security reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX credit plan open my account that I did not request them to do so. I just got a letter from them stating they close my account that I never open the account with them in the first place

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I have been a victim of identity theft for over a year and have reason to believe that there is an account at Wells Fargo inder my name. Which is totally fraudulent because I have never had an account there. I need to know what to do to close the account or accounts under my name.

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 2023-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I contacted Wells Fargo Bank which holds my 1st Mortgage to get my PMI dropped, as the XXXX is under 80 %. I previously filed an XXXX complaint against Wells Fargo Bank as XXXX XXXX XXXX ( see attached ) that is presently being investigated. I believe that Wells Fargo Bank is retaliating against me for pursuing an XXXX complaint against them. All criteria for PMI has been met in accordance with the XXXX ratio being under 80 %.

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 2023-01-20 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I read an article stating that Wells Fargo could owe past customers money due to wrongfully charging for overdraft fees and such so I am looking to see if I fall into that category or not

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 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: CO

Complaint narrative:
procollect , inc contacted me stating that i owe {$530.00} for a rental payment to XXXX XXXX on XX/XX/XXXX. The rental was in my roommates name and he handled all payments. When we left, we confirmed all outstanding debts were paid to XXXX XXXX. We both have also never received statements or alerts to the effect of us continuing to owe money to the apt . complex. on XX/XX/XXXX i sent an email to the collections agency to the email they provided requesting proof of debt. no response was ever provided for 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I had a fraudulent ACH transfer out of my account for {$5000.00}. I was notified and immediately called the bank to stop the transaction and lock my account. The bank failed to stop the transaction and lock my account. 
They allowed the transaction to post the next morning even after calling the night prior within 15 minutes of the fraudulent transaction occurring.

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 2023-01-20 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: U.S. BANCORP
State: MN

Complaint narrative:
XX/XX/22 my credit file was pulled unknowingly so I need this to be removed from my report with prejudice.. I called but no answer

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was a Wells Fargo customer from XXXX - XXXX and experienced wrongfully charged overdrafts charges

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 2023-01-20 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: DISCOVER BANK
State: FL

Complaint narrative:
Thank you for taking the time out of your day to assist me with this issue. In XX/XX/XXXX I have contacted this creditor and advised them that I am a victim of identity theft. I provided them with all proper information and still refuse to assist me with removing this information off my credit report. I also provided them with police records that I have advising them I have been a victim. I called them today XX/XX/XXXX and they advised me that they will not remove this information off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 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: FL

Complaint narrative:
Thank you for taking the time out of your day to assist me with this issue. In XX/XX/XXXX I have contacted this creditor and advised them that I am a victim of identity theft. I provided them with all proper information and still refuse to assist me with removing this information off my credit report. I also provided them with police records that I have advising them I have been a victim. I called them today XX/XX/XXXX and they advised me that they will not remove this information off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: CA

Complaint narrative:
Well it was a while back. I ended up closing my accounts. 
It was to much drama trying to pay bills and get to my money! 
I do have two cd accounts open from an accident for both of my sons. 
They are about to receive them this year in a few months. 
I was also wondering if I could ask about my dad had an checking and savings account through them for 10 to 15 years but he dead XXXX years ago! 
I know he had many issues with them. 
I kept telling him to switch banks but he didn't listen. 
Thank you for hearing me out. 

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 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: SC

Complaint narrative:
Monterey was taking money out of my bank account frauduently, I disputed with my bank and they paid me every dime taken from this company. I contacted them to let them know way before I disputed with the bank. They have been taking money out ever since august so I reached them to let them know, they said I had to call a company called XXXX, which I did, to let them know I don't have any products from them. 
Monterey rep called me on my business line and my personal phone asking me for payment, then they started emailing me about a debt twice and that I have 48 hours to respond ..... I sent them a cease and desist to stop. They then reported a late payment to my personal credit dropping my scores. 
This is a violation to report a fraudulent account on my consumer report 15usc1681b no permission to place on my consumer report. I submitted a FTC report as well to the 3 agencies. 
Where is the wet ink signature to validate this debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: NV

Complaint narrative:
This is in regards to Wells Fargo and the {$3.00} XXXX lawsuit. I am a current Wells Fargo customer and was XXXX during the dates given of 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 2023-01-20 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: PA

Complaint narrative:
In accordance wit the Fair Credit Reporting act. The List or accounts below was in violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states 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 then 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 thst the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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 wit the Fair Credit Reporting act. The List or accounts below was in violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states 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 then 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 thst 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 non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Car was paid off in Early part if 2019 but had to request title and marked paid a couple of times

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/2022 I signed up with BMO as a result of a direct deposit promotion. If I deposited {$7500.00} over a 3 month period I would be eligible for a {$350.00} bonus. I signed up on BMO 's online promotion page, where I was offered two options : a regular checking account or a money market checking account. There was no disclosure that the MMA did not qualify for the bonus so I signed up for that option. I later contacted the bank and their agent verified that I was eligible for the bonus. However, after depositing more that the {$7500.00} minimum within a 3 month period, I contacted BMO and they told me I would not be getting the bonus. Further, they charged me {$10.00} per month in fees while the account was open -- which as not disclosed to me at account opening. Infuriated, I tried to close my account online but BMO would not let me. I called customer service to assist with the closing and BMO tried to charge additional fees for closing the account. Unwilling to lose any more money to this criminal enterprise masquerading as a bank, I was not able to close the account. I file this complaint to : ( 1 ) close this account and get my money from BMO without any additional fees ; ( 2 ) have all fees charged returned to me ; ( 3 ) have BMO pay me the {$350.00} bonus promised ; ( 4 ) compensate me for time lost from work pursuing this action ; and ( 5 ) any punitive fees to which I am entitled.

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 2023-01-20 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: IL

Complaint narrative:
Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. TransUnion and XXXX continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report. I just recently obtained documentation from the XXXX XXXX XXXX XXXXXXXX as well that sates they do not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. XXXX and TransUnion has both sent me letters stating that they reached out to the XXXX and the information came back verified which is a total lie considering their response. I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation, and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me severe XXXX and anxiety.

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 2023-01-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, XXXX XXXX XXXX, XXXX and 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. sec 2 : It also States a Consumer Reporting Agency can not furnish an account without my written instructions.

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 2023-01-20 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: TX

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 15 u.s.c 1681 section 602 A. states i have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I entered into a Covid payment deferment plan with XXXX. I had two conversations with them to ensure my payments would be temporarily paused. My account was subsequently transferred to a shellpoint mortgage servicing company and reported as past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
There is an account that I have written to XXXX and equifax because I do not know the account. I ask that it be corroborated and removed from the credit This is account : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation