vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I told Wells Fargo ( my bank of 22 years ) that I got scammed by someone for tickets that were fake, and they never answered me when I requested my money bank. Wells Fargo sent a generic letter that they could not refund my {$210.00} dollars, even though I had proof of the scam from the XXXX convo, and the person on XXXX deactivated their account after they got my money!!! This is very disappointing that Wells Fargo will not help me, nor punish the scammers. I demand my money back!

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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I am is a victim of fraud by the bank. and service provider.start with my problem 1. The bank issued me tw different atm card account with same one password to use for both account. Second, the phone service provider gain an access to my checking account and get his payment, without my knowledge and authority the payment

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 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I deposited my weekly paycheck for the pay period of XXXX and XXXX into my chime account. The same account I deposit my checks into weekly for over a year. 

Upon depositing my checks, from the same employer, same amount, ect., I was informed that there was a 5 day hold. 

I called chime support to inquire about this hold. Multiple times. Each time I was told something inconsistent and different. No one would allow me to speak with someone past a supervisor. No one would help me. I was just fed lines of a script with no resolution. 

On XX/XX/22, I called chime support and I was informed I would have my check by the end of day. In fact, I did not receive my check at the XXXX of XX/XX/22. 

I was not given any clear reason for the hold or information about the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To Whom It May Concern, I have been having issues with Wells Fargo bank since XX/XX/2022. It started when transactions would hard port, fall off and come back and hard post again and then I would incur over draft fees. This continued to happen with multiple charges and I had to end up using most of my paycheck one week to pay back what was said over drafted. I always make sure the funds are there to cover my charges. I even transfer from account to account within Wells Fargo and I end of being charged over draft fees for that because it was said it wasn't posted. How can that be when it is in house? I have 4 accounts with Wells Fargo. This has been continuously happening with all 3 checking accounts with them. I have had about 3 escalations and have gotten correspondence on 2 of them. I have also been scammed out of {$1500.00} through using XXXX XXXX  with Wells Fargo and I opened 2 separate claims with Wells Fargo and was told there is nothing they can do. I spoke with XXXX a few times and they advised to contact Wells Fargo about getting my money back. I have yet to get anything back and was basically told oh well you will not be able to get your {$1500.00} back. This was sent from 2 of my checking accounts for a service I was suppose to get for a home and never got the service. The only thing that was done was the other party 's XXXX account was shut down. I need some type of resolution on these issues please. I have lost thousands of dollars within the last 3 months.

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 2022-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
The company has harassed me multiple times trying to press charges and take legal action the charges on my credit are incorrect my name is XXXX XXXX they saying XXXX XXXX they went against the credit act and they threating me Im honestly scared and want to get a lawyer theyre scaring me for something I didnt do In accordance with the Fair Credit Reporting act 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

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 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Complaint Details I used XXXX Saturday XX/XX/2022 to transfer money ( {$1000.00} ) from my personal account at XXXX XXXX  ( my place of employment ) to another personal account at Bank of America. The money left XXXX XXXX  made it to Bank of America, and reflected in my account within seconds. Later that day, I checked my account and the money was gone. I immediately reached out to Bank 0f America to inquire about the funds and was told they do not have the money and that XXXX has it and I need to talk to XXXX. I spoke to XXXX and was told to reach out to my banks, they only service the transport of funds and do not hold them. I called XXXX, which is my place of employment and they provided proof showing the money transfer was completed and delivered. I was told by Bank of America I called Bank of America back, spoke to XXXX and got a different story. I was told the money is being held due to fraud ( Not sure why ). I was also told on Saturday XX/XX/XXXX, XXXX will take 5 business days for my money to post to my account. I told them I can provide proof of who I am. I just need my money. I called everyday the week of the XXXX  and still they are holding my funds. After visiting the banking center trying to get my funds deposited into my account I chatted with a representative from Bank of America who said the money will be deposited midnight XX/XX/XXXX. Today is XX/XX/XXXX, still no deposit. I am begging you to please help ke. I am a widow and only work 20 hours a week to survive in addition to my social security income. {$1000.00} is a lot and I need my money to pay my bills. Please help me. I would truly appreciate it. Thank you in advance. 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 2022-08-20 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: IL

Complaint narrative:
I, XXXX XXXX, natural person am filing this dispute on my behalf. The consumer reporting agencies are reporting inaccurate information to my consumer report without my consent, exhibits are attached below.

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 2022-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I was with XXXX mortgage company since XXXX and I know that I had a majority of my equity missing, and a great deal of my equity was taken during the modification process, I was charged for payments, 20 all the time, the payments that I made were not included in the modification processes and I was overcharged on the fees in numerous occasions, I was not aware of the lawsuit against Owen, but I know I have been subjected to equity loss. I went from XXXX to XXXX XXXX during the period I was with them about 8 years and I went through 3 modifications. I went through XXXX worth of equity during that time. I would like to know if I can get any help in this matter. They made a lot of mistakes in all of my modifications. 

Presently I have issues with PHH Mortgage resolving the issue about my payment. They overcharged me for over 12 months. I became a XXXX XXXX veteran in XXXX and informed phh mortgage. I was payin XXXX $ and then after 12 months it was refused to XXXX. They would never explain why despite writing rhe cfpb and calling the relationship manager. I would like an cplanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: IL

Complaint narrative:
I, XXXX XXXX, natural person am filing this dispute on my behalf. The consumer reporting agencies are reporting inaccurate information to my consumer report without my consent, exhibits are attached below.

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 2022-08-20 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: IL

Complaint narrative:
I, XXXX XXXX, natural person am filing this dispute on my behalf. The consumer reporting agencies are reporting inaccurate information to my consumer report without my consent, exhibits are attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: IL

Complaint narrative:
I have reviewed my credit file and noticed multiple inaccuracies on my report. I do not consent to this inaccurate consumer reporting. I, XXXX XXXX, am a natural person, and am submitting this dispute on my behalf.

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 2022-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On or Before the Day I used my XXXX A.C.H.Checking Account and A.C.H.Savings Accounts, to AMAZON on XX/XX/2022. I used AMAZON Checking Account to make purchases and never received my Refund or My purchases.

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 2022-08-20 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: IL

Complaint narrative:
I have reviewed my credit file and noticed multiple inaccuracies on my report. I do not consent to this inaccurate consumer reporting. I, XXXX XXXX, am a natural person, and am submitting this dispute on my behalf.

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 2022-08-20 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: IL

Complaint narrative:
I have reviewed my credit file and noticed multiple inaccuracies on my report. I do not consent to this inaccurate consumer reporting. I, XXXX XXXX, am a natural person, and am submitting this dispute on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
Not sure what kind of service I received requested information and never obtain it. Asked agency to provide Original contract with my signature.

Full history from the original creditor Name and address of the original creditor Contract that the have been assign to collect Or proff of debit purchase. Never received this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I researched XXXX located on the disclosures from XXXX XXXX apparently lender XXXXXXXX XXXX that number disclosures for XXXX comes up those disclosures are from them and administered by chemical bank I was also given applications from XXXX XXXX not located in the geographic area and or state for a federal guarantee of student loans I have screen shots of the law with the US Department of Education XXXX I am attaching the laws including the departure date located on the assignment to the Department of education I was a chemical bank credit card holder at the time these disclosures were given what's missing is the disbursement that the admister of loans did keep track of including XXXX XXXX college now XXXX university. Lack of disclosure of type of loans and not supposed to be issued these loans at all in the state of Illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unauthorized purchases totaling {$7300.00} we're made against my Bank of America XXXX XXXX, which is where my unemployment benefits from the state of California were posted. I filed a dispute request on XX/XX/XXXX of XXXX. On XX/XX/XXXX, Bank of America denied my request for provisional credit. In XXXX of XXXX, I requested my claim be reopened based on the class action lawsuit against Bank of America. This judgment clarified provisional credit must be granted and disputes must be reopened for claims made against this prepaid government benefits card. It has been over 90 days, and this dispute still has not been resolved. I have not received any provisional credit. On XX/XX/XXXX I called the customer service line at XXXX XXXX processing, and spoke to a customer service representative, who advised me my claim had been escalated to an escalation team and that provisional credit was not required to be granted, as Bank of America made a decision within 10 days of me filing a dispute. There is nothing in the Code of Fedderal regulations that states provisional credit will not be granted if a decision and determination regarding the claim is made within 10 days. Bank of America has exceeded the 90 day time frame as specified in the CFR, denied my request for provisional credit, and did not complete their investigation in a timely manner. I am requesting provisional credit to be credited to my account immediately, and I want Bank of America to provide me a written explanation of their investigation findings, which was conducted in XXXX of XXXX. There is no way that a thorough investigation could be completed within 7 days, given the number of claimants during this time who had disputes against Bank of America for unauthorized purchases and transactions taken out from their EDD benefits.

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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America provided a forbearance in which my payments were to start in XXXX of XXXX. I just found out today after trying to get answers from them for 18 months that its now because my payment was to be made in XXXX of XXXX. This is the first Ive heard and they are playing some sick game over there. I have a letter from them stating the payment being due in XXXX of XXXX. XXXX from BofA has given me multiple excuses of why they show my account past due. My account is not past due and they refused to acknowledge or fix. They have reported me late to the credit agencies which is now causing issues with me getting a new car for work. This is a huge 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 2022-08-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo VISA, Customer Service Reference : Wells Fargo VISA ending XXXX On XXXX I charged {$160.00} to my Wells Fargo VISA as payment for my XXXX XXXX XXXX XXXX  XXXX XXXX Maryland XXXX. That {$160.00} VISA charge has been in pending status since XXXX, and wont post. I called Wells Fargo VISA representative on XXXX and explained that I need to get this payment either POSTED or CANCELED. That representative suggested that I check back in a couple of days. I called back today XXXX and talked to another representative and explained the same thing to them ad nauseam. At this writing the {$160.00} transaction remains in limbo as pending, and wont post. 
Once again, I need to get this payment either POSTED or CANCELED. The payment is due now, not latter to USPS. The 2nd representative seemed to be clueless as to getting this accomplished. She put me on hold about six ( 6 ) times to speak to her team members and then came back to the phone to regurgitate what her team members told her to say.she is TOTALLY CLUELESS, no help what so ever. 
Today, I emailed the person ( XXXX XXXX XXXX ) who is listed on my account ( s ) as personal banker and explained all of this ad nauseam, but have not heard back. My understanding from a prior XXXX email is that although he is listed as personal banker on my account ( s ), in reality XXXX is not a personal banker on my account ( s ). Get the email from XXXX and fill in the blanks on that one!!! 
I called the USPS XXXX listed on the Wells Fargo alert email, and USPS was not able to help. USPS indicated that this is a Wells Fargo VISA error, and Wells Fargo VISA needs to fix it ASAP!!!! 
So, back to where I started, I need to get this payment either POSTED or CANCELED ASAP! Address questions ASAP!

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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Not 100 % accurate information reporting to my credit report. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, now is XXXX true when there are several inaccuracies showing on my 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 non-monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX loan is showing the incorrect balance on Equifax and XXXX. I reached out to XXXX XXXX XXXX and was told to dispute the balance with the bureaus. I did that and the bureaus are saying the information is correct, but is showing that the account has not been updated since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX loan is showing the incorrect balance on XXXX and Experian. I reached out to XXXX XXXX XXXX and was told to dispute the balance with the bureaus. I did that and the bureaus are saying the information is correct, but is showing that the account has not been updated since 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