vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On or about XX/XX/XXXX, I received a phone message from a XXXX XXXX of " XXXX Investigations ''. They claimed to be hired by Wells Fargo to locate valid heirs of XXXX XXXX XXXX ( my deceased mother ). My mother died in 2010 and my first thought was that this is some sort of scam or phishing expedition. I called them back to see how far they would take it. Also, there was a remote possibility that it could be legitimate. XXXX at XXXX XXXX claimed that my deceased mother had a savings account at Wells Fargo containing approximately {$19000.00} that had apparently been missed by probate 13 years prior. Their " fee '' would be 10 % of the amount returned by Wells Fargo. I had a meeting with the local Wells Fargo branch manager, and she was absolutely useless. She wouldn't tell me whether her employer uses companies like XXXX XXXX for the purpose stated. Side note : They wouldn't need to because both my parents have lived at the same address for the last 60 years and are easy to locate. My father, who is XXXX and still very much alive, still lives there. The branch manager wouldn't say even if my mother was in their system or if an account existed. She hid behind the fact that I didn't have the requisite documentation of probate. Next, my XXXXXXXX XXXX father went down to the local Well Fargo branch in Florida with ALL THE REQUISITE DOCUMENTATION to establish the facts. Wells Fargo treated him exactly the way they handled me. They wouldn't say anything helpful. Today, my father doesn't know whether or not it's a scam or not, because Wells Fargo has been totally uncooperative in the matter. Doesn't the bank have a fiduciary duty to provide more information, instead of stonewalling the customer. Plus, if it is a scam, it needs to be reported to the proper authorities as soon as possible.

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 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I placed an order for rallys on XXXX. Got my order and half of it was missing or made wrong. XXXX wouldnt credit me even tho I sent them pics of my food and message them as soon as it was delivered. I disputed with my bank and they credited me on XX/XX/XXXX for {$11.00}. today now they are saying its valid even though I didnt receive all my order and the part I did get it was wrong. I have sent them the chats between me and XXXX  so they could see that I did report it and my issue and that XXXX wouldnt credited me. I should not have to pay for something that I didnt receive all of and wasnt even made right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07 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: Nelnet, Inc.
State: NJ

Complaint narrative:
There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
The identified transactions are not information related to any transaction by me as the consumer : DEPTEDXXXX  XX/XX/2017 DEPTEDXXXX  XX/XX/2017 Following receiving this notice do not place a fraud alert on my consumer file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On ( Friday ) XX/XX/XXXX, I had a posted balance of {$300.00} in my checking account. Over the weekend and into Monday the XXXX there were a few transactions on my account, including a mandatory XXXX station testing that I needed to get done. The dates on the transactions are clearly marked as the XXXX, XXXX and XXXX of XXXX, however they did not post to my account until the XXXX. All of the transactions that happened that weekend took out an overdraft fee of {$36.00} per transaction ( each overdraft after XXXX being blocked by a daily cap, but undoubtedly still hurting something like my credit score? ). The transaction list looks like this. 

Starting balance : XXXX XXXX XXXX overdraft fee XXXX XXXX overdraft fee XXXX XXXX overdraft fee XXXX XXXX overdraft fee XXXX daily cap of XXXX fees XXXX XXXX overdraft fee XXXX daily cap of XXXX fees XXXX XXXX overdraft fee XXXX daily cap of XXXX fees XXXX XXXX overdraft fee XXXX daily cap of XXXX fees Ending balance : ( XXXX ) The ending balance after all of this happened was a POSITIVE balance of XXXX, and this is not the first such time this has happened, just the first time it has happened to this extent. Luckily the vendors apply dates to the transactions when they are posted, because it clearly shows that the last date of the transactions was XXXX for the {$2.00}. 

After seeing this in my account, I went to a local Truist Bank location and asked to speak to someone that could help me. After they sat me down, they told me there was nothing that they could do because my car insurance was set to come out on the XXXX and because it was a 'pending ' transaction, that counted against my balance without being shown, and therefore meant that the posted balance and available balances were different, and that was why I got hit with the transactions. Even though the car insurance didn't come out until the XXXX from my account, and all these transactions were posted on the 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 2023-03-07 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:
Updated Response for Case # XXXX : On XX/XX/XXXX, I wrote my XX/XX/XXXX rent check for {$1200.00} ( see attached XXXX. ) I wrote the check from XXXX Bank. The check was deposited at the Wells Fargo ATM branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. On XX/XX/XXXX, Wells Fargo took out {$2200.00} without my knowledge ( see attached XXXX. ) I immediately reported this to XXXX XXXX XXXX XXXX and Wells Fargo XXXX XXXX XXXX. Wells Fargo took out XXXX XXXX dollars over and caused my bank to go into overdraft by XXXX XXXX dollars. I opened my Wells Fargo Bank Account in the year XXXX. Wells Fargo shut down my account ending in XXXX in XXXX without my knowledge and for No Reason. This was only a checking account. Wells Fargo did the same thing to my account at Wells Fargo with incorrect amounts of money taken out and placing me in overdraft as they did on XX/XX/XXXX ( see attached XXXX. ) Rather than fix my account they shut down my account in XXXX for No Reason. XXXX XXXX is repeating the same actions with my XXXX checking account taking out incorrect amounts of money. I tried to reopen my account or open up a new account with Wells Fargo on XX/XX/XXXX, and they said they will not do business with me by opening up a basic checking account to deposit my government social security check as I am XXXX  XXXX and this is my only income ( see attached XXXX. ) Wells Fargo is treating me this way because I am 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 monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
I received a letter in the mail from United Collection Bureau , Inc the letter stated they were trying to collect a debt that I owed to XXXX XXXX XXXX.I than contacted the company and spoke with an representative about the issue because I don't have a debt with XXXX XXXX he was being very argumentative so I hung up and called XXXX XXXX billing customer service and spoke to a representative and she stated that there was no debt sent to collection 's on there end for me as I knew. I than called the collection agency back and spoke with another person and I explained that I spoke with XXXX XXXX and they said they haven't sent any debt to this agency on me the representative was being argumentative so I asked to speak with a supervisor I noticed that they kept asking for my personal information I stated to the supervisor that I didn't have any debt and I spoke to XXXX XXXX customer service he than stated he must have the wrong person I questioned him on how did he get my personal information and I told him I was going to report this business for fraud he was trying to reason with me not to and I hung up all this happened on XX/XX/2023 @ around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also stated a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit account under an open-end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
the company never responded it been over a year,,, ,nor did they send verification.amount {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
In accordance with fair credit report act XXXX  account XXXX has violation my right 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 a section 2 it's also states a consumer report agency can't furnish an account without my written instructions 15 usc 1666B : A credit may not treata payment on a credit card account under an open end consumer credit plan alate for purpose

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 2023-03-07 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:
In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts are as follows : XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, Dept of ed/XXXX ( # XXXX, # XXXX ), XXXX XXXX # XXXX, XXXX XXXX # 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 an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
In XXXX of 2022 I notified the lender about not being able to make a payment on my loan. At which time they notified me that I have the option of requesting a forbearance on my loan for up to 6 months, with the ability to get a deferment to the end of my loan period. I submitted the request and it was approved. I paid all but 2 months of payments. In XXXX of 2022, I spoke to a representative from Mr. Cooper about the deferment and they submitted a request. Today, I found out that I'm two months behind because the " Investor '' that has my loan does not support a deferment, and I have to come up with {$3200.00} to bring my account up to date. This was all very deceptive and I feel it is not in the spirit of the Federal COVID relief Program. 

Mr. Coopers solution to the request a Loan Modification program, ( at which I lose my rate, and have to take a higher current rate ) or pay the amount in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: GA

Complaint narrative:
Hello CFPB team, I requested a copy of my credit report and asked the credit bureaus to do verification on everything in my report. The credit bureaus did the verification and said that everything was accurate. 

However, I did thorough research myself and I still see the inaccuracies on my credit report even after they did that research and verification. There are so many things that are wrong including the date opened on each account. Each date is different on each bureau! This is just one issue. You will see that there are several other inaccuracies. Please remove these accounts from my report. 

Please can you explain why these bureaus are being allowed to report these inaccuracies and the CFPB just keeps closing my complaints without looking at the incorrect items on my credit report? 

I looked up the Fair Credit Reporting Act and according to the FCRA I feel that the following companies have all violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have rights and here are the FCRA regulations : 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 a consumer reporting agency can not furnish an account without my written instructions.

I am asking you to please review these four accounts and you will see that what I am saying is true. Please help me with this and enforce the law and investigate my complaint. The bureaus keep repeating the same response ; that they have checked and its correct. If they had checked they would see the discrepancies. It is just plain wrong information that they have been reporting.

I need your help! Please enforce the law!

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 2023-03-07 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: NY

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX son added {$600.00} from my bank account to my cash app without my permission. When I noticed I contacted Cash app and they refused to do anything about it so I called my bank and asked them to reverse the transaction, which they did. Cash app proceeds to apply a - {$600.00} to my account. On Thursday, XX/XX/XXXX my children 's father send {$100.00} to that cash app and my son accepted ( again without my knowledge ) which resulted in Cash app applying that {$100.00} to the - {$600.00} leaving a balance of - {$500.00}. When I called Cash app on XX/XX/XXXX to inquire why there was - {$600.00} was applied to my account in the first place, the representative could not give me an answer and when I asked to speak with a manager, I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've already told you that my full name is XXXX XXXX please remove all of the incorrect names you are reporting as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I need a corrected 1099-INT form for XXXX from Citibank. The following is what happened ; On XX/XX/XXXX I went into my local Citibank branch ( XXXX ) and I cashed an XXXX {$5000.00} Savings bond # XXXX that was issued XX/XX/XXXX. That Bond should have paid {$9800.00} with {$4800.00} in interest. The teller credited my account {$18000.00} with {$13000.00} in interest. I told the teller " that's a mistake '' but she told that's what the system says it's worth. A week later I got a call from Citibank saying a mistake was made and that they overpaid me {$8800.00} in interest and they would be withdrawing that amount from my account which they did on XX/XX/XXXX " but not to worry they would be sending me a correct 1099-INT for XXXX ''. Citibank did not send me the correct 1099-INT they sent me a form showing that I was paid the extra {$8800.00} which they deducted and I would have to report as income on my taxes. I immediately called the Citibank number on the 1099 Form XXXX and after explaining the situation to multiple representatives I was told by a supervisor that it was Treasury Direct 's mistake and I need to call them to correct it. I said that doesn't seem right but I called Treasury Direct and was told by a TD Supervisor it's Citibank 's responsability to send me a corrected 1099-INT. I called Citibank back and got the same line that it's Treasury Direct 's responsibility. I then went into my local branch on XX/XX/XXXX and spoke to the manager XXXX XXXX with all my paperwork which she copied and opened a Citbank investigation numbered XXXX and told me to wait 5-10 days. I called her after 10 days and was told they hadn't looked at my case yet. I told her I was having my taxes done XX/XX/XXXX before I leave the country and she said she would request they expedite it. I called back after another 5 days and they still hadn't looked at it so XXXX suggested I file an internal Citibank complaint which I did. 5 days later, no one will look at my case. I uploaded my incorrect 1099-INT to my accountant with an explanation yesterday and I called Citibank again XXXX They told me to once again to call Treasury Direct who told me Citibank is WRONG and to file a complaint with the CFPB. I've attached my documentation and I'm so thankful to have your agency to reach out to. Sincerely, 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 2023-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I wrote all 3 Bureaus about reporting inaccurate information XX/XX/24 it's XXXX now nothing has updated, TransUnion and XXXX have sent me forms to process my request that stated I needed to send in my ID and SSN card I will mail out today XX/XX/XXXX and I also will attach documents to this complaint hopefully it speeds up the process a bit. XXXX on the other hand said " Upon competition an updated copy of your credit report will be mailed to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system '' on my last complaint yet I have still received nothing

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 2023-03-07 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I've asked all 3-credit bureaus to do a thorough investigation on all of my accounts in which they did, and they have stated everything was accurate. I then reviewed the reports on my own and discovered that there are still improper inaccuracies on my XXXX, XXXX and XXXX credit reports. 
The account and payment history that I found to be inaccurate is : Goldman Sachs Bank USA, Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX These accounts do not belong to me. I have notified all 3 Credit Bureaus of this and asked that it be removed entirely from all 3 of my credit files, which they refuse to do. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number ending in XXXX has violated my rights. 15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: MI

Complaint narrative:
- XXXX XXXX XXXX XXXX, GA XXXX Incorrect information on 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