vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Do not call me with no answers. 

You are about as negligent ( cause of action ) a servicer as I've ever witnessed. 

I sent you certified mailing requesting specific and particular responses and items. 

The audacity of you to simply call with no answers just trying to eliminate a problem then send a password protected message with no password. 

I'm tired of wasting my time with you. Now you need an attorney, and the first two causes of action are and will be Negligence and Breach of Fiduciary duty as well as violations of the XXXX. If Florida Corporations must be represented by counsel in a court of competent jurisdiction. One such bank thought like you and yesterday their CEOChairman stepped down. So let XXXX XXXX know I'm on the way. 

You don't even speak proper English why did you waste my time even ringing my phone with nothing to say. XXXX and XXXX 's as well as XXXX  require answers or they are actionable.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
I have a checking account with renasant bank. When I opened the account I was told to opt out in order that my debit card would be declined if I tried to use it and I had insufficient funds to cover a transaction ; however I was not told that I needed to sign a form requesting that checks, bank drafts or other payments be rejected for insufficient funds. So in one year I have paid over {$2000.00} in overdraft charges because they paid all transactions regardless if the money was available or not! In one week alone I paid 6 overdraft charges of {$35.00} each! I am disabled and live on a fixed income! My husband and me have had to deal with this everyday almost the entire time weve had this account! Weve called, and recently were told that we needed to sign a form in order to stop items being paid to avoid more overdraft fees! But it continues! Now because of their excessive overdraft charges they refuse to cash or deposit an insurance check made out to my husband and me for a claim we filed when my husband had a car wreck! They have financially ruined us and I wont stop until they are held accountable and we are reimbursed for these fees! This has to be made illegal! Also often times we would make a deposit the same day as a transaction came thru and they would claim it beat our deposit! So guess what! Another overdraft fee! This bank is in XXXX Mississippi XXXX. I will find a lawyer to hold them accountable

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 2023-01-31 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a credit card with Wells Fargo Bank. In XXXX of 2022, while I was on a trip in XXXX, XXXX, my credit card was used ( not by me ) to make a fraudulent transaction in the amount of {$890.00}. I did not make this transaction. As soon as I retuned from XXXX, I checked my credit card statement and noticed this fraudulent transaction. I immediately reported it to Wells Fargo. 

According to their own policies, Wells Fargo has the responsibility to reimburse me for any fraudulent transaction on my account. After several phone calls to their Credit Card Fraud Claims department ( I believe 5 phone calls so far ), Wells Fargo refuses to fulfill their responsibility and reimburse me for this transaction. After many phone calls, they finally sent me a one-page incomprehensible document ( attached here ) that they claim proves that I made the transaction and not someone else. It should be noted that they based their investigation based on this one page. 

At this point, I have no choice but to report Well Fargo to CFPB and hope you can resolve this issue. I have been a customer of Wells Fargo for over 8 years and had never claimed a fraudulent transaction until now. The one time that I fall victim to a financial fraud, they refuse to make me whole. 

I really hope you pursue this seriously. Given the history of this bank, I would not be surprised if many other customers are experiencing the same problem.

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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: LA

Complaint narrative:
My debit card was compromised and I was advised by bank that the card would be deactivated. I explained The only access I have to my checking account is through a debit card as I am in Louisiana and there are no PNC Branches in the state. On XX/XX/23 I paid {$25.00} to have the card expedited which would fast track delivery in 3 days. Ive made numerous calls to Pnc been given the runaround regarding when the card would be sent. I was told that the card was already in route on multiple occasions and the card still has not arrived. I dont have access to my money and need food, gas and to pay bills. The bank is either unable or unwilling to assist and I seek your help. I have a solution and I need the bank to assist in contacting a branch in Florida, and having the branch print a card and then overnight it to me. XXXX willing to pay the fee for the overnight delivery. Please help because XXXX Pnc is doing to me is absolutely abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
This debt is not my debt I was subjected to XXXX XXXX not responsible for any transactions concerning this matter.

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 2023-01-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, I called B of A to ask them to close my credit card because i viewed a charge to card which i did not authorize the day of the transaction. They complied and went forth and sent me another Credit Card. When i received the new card i put it in a drawer without activation. In XXXX 2022 I received a payment request from B of A for the amount of XXXX and called them. I told the XXXX on the phone what happened and she looked into it. I pointed out the charge was on an account that had been closed and gave her the last XXXX digits of the credit card as listed on paperwork they sent me. She put me on hold then came back on and said they don't know why the charge had been put through and transfered me to someone who gave me this number # XXXX and told me not to worry about it. 
B of A sold all their XXXX accounts to XXXX XXXX  and i received a payment request from them for XXXX and I called them. I explained what happened they said they would look into it. My XXXX XXXX went from XXXX to XXXX and they said they will be charging me interest until they resolve their investigation. 
I just came back from B of A in XXXX XXXX ( XXXX XXXX ) asking them to look into the matter and i gave them the paperwork when they resolved the issue. I told them what has been going on with XXXX XXXX  and she went to make some phone calls. She came back and told me there is nothing they can do since all paperwork that B of A had on me was bought by XXXX XXXX. 
I have tried to resolve this issue, i even contacted the vendor of said product i allegedly purchased. They told me to go to XXXX and ask for refund. That page has been moved because of complaints and when you click on the new site, all it says when it comes up is XXXX. Just XXXX word 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 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I bought a printer and a laptop from Best Buy on XX/XX/XXXX on credit, at the time of purchase I did not know I had to have a membership with Best Buy before I could shop in the store so I was charged a membership fee of {$200.00} in addition to the price of the items. On XX/XX/XXXX, I paid off the balance of {$1700.00} which included the membership fee. The store sent me a receipt that my account balance is XXXX on XX/XX/XXXX. 
On XX/XX/XXXX the store sent me a bill of {$250.00}, though I had not bought anything from the store since my last purchase which had been paid off. I contacted them on this bill and I was told it is membership renewal fee, and I told them I don't need the membership so I want it cancelled. On XX/XX/XXXX, I received a confirmation that the account has been cancelled. 

On XX/XX/XXXX I still received a bill for {$83.00}, I called them back to dispute the bill, I was told the account has been cancelled. Since then the store ( BestBuy ) and XXXX XXXX who manages their credit system have been harassing me with mails threatening me to pay this amount that I do not know anything about and every dispute to them doesn't work. I need help to stop both Best Buy and XXXX XXXX from demanding money I do not owe from me. 
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 2023-01-31 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:
Under U.S.C 1681 vin accordance with the FCRA, The listed accounts below has violated my consumer federally protected rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account # XXXX TRANSUNION ( different account numbers ) Account # XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX  ( different account numbers ) Account # : XXXX XXXX 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. 

They also didnt even record the current status of the disputed information which is another violation..

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 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All bureaus have put a long-standing fraud alert on my credit report without my authorization. This is inhibiting my ability to apply for credit. There is no reason why there should be an ongoing alert to be lasting 7 years. This needs to stop reporting on my report as soon as you receive this message. According to 15 USC 1681b, A consumer needs to provide the bureaus with written consent for changes to the credit report. Not once did I provide written consent to place a long-lasting fraud alert on my account. It is causing more harm than good and is creating hardship in my financial life.

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 2023-01-31 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have requested on XX/XX/2022 evidence to support why they maintain incorrect information in my report and you have not provided it to me for that reason and as the law says XXXX reporting agencies must correct or eliminate inaccurate information, incomplete or not verifiable. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. For this reason, I request that the accounts described above be deleted based on the FCRA

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 2023-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: MS

Complaint narrative:
They refuse to send me a paper statement that I am entitled to by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I uploaded all documentation of my current address and I called 3 times each time the reps assured me that they are attaching the docs and it will be updated, they even wrote on one of the outcomes that the address change requested was updated. 
Now since my address got off my report ( a few months ago ) I can not obtain a credit report for my mortgage lender... I am Stuck! 

I tried 3 times as mentioned I hope they will help me now

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 2023-01-31 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XX/XX/2019 my car was brought to XXXXXXXX XXXX XXXX for a repair. The company never repaired the car nor contacted me. I reached out to them and they stated they could not fix the car and I can come pick out another one with a cheaper deposit. I stated no thank you. I was informed by the sales manger that I would receive documents showing the car was paid off and removed off my credit report. I never did. Now on my credit report it is showing inaccurate information and is causing problems on my credit report. It is stating that my car was Not reporting in XX/XX/2019. Then in XX/XX/2019 it is showing foreclosure, then in XXXX it is showing Charge off paid in full. Those reports are inaccurate. This has been reported to the other bureaus previously and all of that inaccurate information has been removed. Your company is the only agency out of the 3 reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: GA

Complaint narrative:
XXXX was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of XXXX XXXX XXXX as of XX/XX/2023. I have given XXXX with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take XXXX weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting XXXX weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! 

I have provided XXXX with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. XXXX XXXX  will provide proof of received document via XXXX. As well as XXXX XXXX XXXX XXXXXXXX with XXXX confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: GA

Complaint narrative:
XXXX was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of XXXX XXXX XXXX  as of XX/XX/2023. I have given XXXX with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take XXXX weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting XXXX weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! 

I have provided XXXX with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. Exhibit A will provide proof of received document via XXXX. As well as Exhibit B - XXXX with XXXX confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: GA

Complaint narrative:
XXXX was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of XXXX XXXX XXXX  as of XX/XX/2023. I have given XXXX with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take XXXX weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting XXXX weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! 

I have provided XXXX with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. Exhibit A will provide proof of received document via XXXX. As well as Exhibit B - XXXX with XXXX confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.

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 2023-01-31 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 XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-01-31 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: TN

Complaint narrative:
On XX/XX/XXXX, originally, I sent TransUnion a letter with the intent to file a complaint with the FTC, due to blatant and objectionable disregard of the law ( s ). 
about them incorrectly reporting a XXXX XXXX Bankruptcy and provide proof of validation or remove it immediately from my credit report. A certified mail receipt was sent back to me stating that it received and stamped XXXX, which i have a copy and proof. 
In the meantime I contacted the court directly to dispute this issue, i sent a letter dated XX/XX/XXXX from United States Bankruptcy Court Eastern District of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as TransUnion, XXXX, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX Transunion responses back in a letter which i have proof of that they determined that data had been previously verified. after the court has they have wrote a letter stating that did not /do not. -VIOLATION It is a year later they still reporting it on my profile. 

XXXX- Sent a statement XX/XX/XXXX stating that the item i am disputing is not currently reporting after they received a coy of the letter from the court but they are now reporting it, lowering my score. -Violation XXXX was sent a intent to file a FTC complaint XX/XX/XXXX due them disregarding the proof of validation. They are still reporting this Entity that should not be reporting because according to court they have not verified it .Violation

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