vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 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: OLD NATIONAL BANCORP
State: MI

Complaint narrative:
My mother is a joint account holder on this account. She had a check stolen from a post office during a well documented drop box break-in event at XXXX, OK. A few other dozen checks were stolen at the same time ( XXXX ). The check was washed with a different recipient and dollar amount ( {$7500.00} ), then cashed on XXXX. We discovered the check fraud during our statement review in early XXXX, XXXX. We promptly contacted Old National Bank ( ONB ) where our checking account resides on XXXX. We then submitted to ONB the requested affidavit along with the police report #, including the letter from the postal service indicating the postal crime and check fraud that occurred. We started inquiring of ONB about reimbursement to our account soon afterwards. In early XXXX, we were told that it takes a while to work through these issues, to be patient, and check back in about 90 days. I contacted ONB on XXXX asking about an update for reimbursement. I was put in contact with the local bank 's branch manager and expressed my concern that I had no evidence or assurance that reimbursement of our account was being pursued. On XXXX, I received an email from the manager indicating that compliance, legal, and senior executives had met to discuss our case and that they would not provide any provisional or permanent credit to our account until they hear back from XXXX  XXXX XXXX ( the bank that received the altered check ). 
In my discussions with other banks and credit unions that we do business with, it is a standard practice for the victim 's bank to provide reimbursement while pursuing the other bank that received the fraudulent check.

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 2023-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I took out two loans with Wells Fargo ( Wachovia at the time ) and used my house as collateral. As time moved on, in or around XXXX, suffered financial hardships like many people here in the country were experiencing and filed for a loan modification with the bank. ( Wells Fargo ). I was verbally told that I qualified but needed to fill out the appropriate paperwork which I did. Meanwhile, the bank began aggressive pursuit of filing for foreclosure of the property. After sending in the documents I was told on multiple occasions that certain pages were missing which I highly disputed. Eventually they acknowledged receiving all of the paperwork and would give me a decision shortly. Meanwhile the foreclosure court date was getting closer. Approximately a month before the court date I received a letter stating I did not qualify for a modification because my GROSS income was XXXX cent, yes, XXXX XXXX which was vehemently false as my tax returns would verify. I filed an appeal to no help and was essentially forced to short sale the property which was heartbreaking to myself and my mother who co-signed on the loan. In XXXX I filed a complaint directly with the bank and they reiterated the same reason. Subsequent to seeing the the lawsuit brought on by your agency for the same issues I reached out to the bank on two occasions this year. ( XXXX ). On the first call and requested review after about 10 days the bank specialist told be they closed by complaint with no further actions to be taken because they couldn't find my account number. I followed up in XXXX of this year and provided an account number which they claimed will be used to do reasearch while opening up a new complaint. I was told they'll have a decision within 10 days but around the 8th day the rep called and said they'll need to XX/XX/XXXX. On XX/XX/XXXX I received an express envelope with all of my loan documents as well as a copy of the denial letter from XXXX which stated my GROSS income was XXXX cent. No additional research or review was done. It feels like I am being victimized and defrauded over again and Wells Fargo is refusing to accept accountabilty and properly compensate those whom they willfully and purposely defrauded. I would like to be compensated for the fair market value of the home ( approximately XXXX as well as for punitive damages )

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 2023-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
on XXXX I was in a car accident. I had gap insurance for the vehicle, which paid off the remaining vehicle on XXXX. I have a check from Gap insurance stating it went through on XXXX amounting to {$4600.00} check number XXXX. I also have emails from Gap insurance it was paid off to Ally back. I have called over the years as it still affected my credit. I am trying to buy a house.

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 2023-03-31 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: GA

Complaint narrative:
A collection showing on my credit report does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 to be reporting improper accounts 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 non-monetary relief
Consumer complaint received 2023-03-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
A collection showing on my credit report does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 to be reporting improper accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am STILL fighting to get these charges off of my credit, that were removed and then they put them back on there. XXXX XXXX XXXX the Billing company for XXXX XXXX and XXXX XXXX. I have been trying too get the information from the claims that were billed to my insurance company, billed claims, denied claims, correspondence with my insurance company. XXXX can only provide the invoice from the collection account they " brought '' from XXXX XXXX  and when I attempt too contact XXXX XXXX  or XXXX XXXX both companies have been closed down permanently, due too lawsuits from fraudulent billing charges. I also checked the XXXX  all three companies XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX  have complaints for fraudulent billing practices. I feel these charges are a scam, especially since they can not provide any proof or even the dates that I supposively used their services. I have disputed and filed complaints on MULTIPLE OCCASIONS. Can someone check into these fraudulent companies with their fraudulent 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 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
This is a reopening of the NBT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY Phone : XXXX. They did not answer the question, I believe they are scamming me. {$2100.00} ( XXXX XXXX XXXX XXXX and XXXXXXXX dollars ) is missing from my account. I felt harassed when I made transactions on XX/XX/2023 due to strange door noises, no pens at desk, felt they were going to scam me. After I made the transactions, I went XXXX minutes later to another NBT Branch to get a printout. The printout said I made a {$1800.00} ( XXXX XXXX XXXX XXXX dollars ) withdrawal and {$2100.00} ( XXXX XXXX XXXX XXXX and XXXX dollars ) deposit. On XX/XX/2023, It says that around {$2200.00} was on hold. NBT said on the phone the XX/XX/2023 on hold is impossible even though I have a NBT printout. The {$2100.00} ( XXXX XXXX XXXX XXXX XXXX dollars ) is missing from my bank statement. I believe NBT Bank XXXX XXXX is stealing from me using some sort of advanced scamming method. The deposit does not appear on my monthly NBT statement. They stated that the bank teller of XX/XX/2023 left my account open and deposited someone else 's check but I received no evidence. I believe this is their scamming technology. I am a pre-senior and do not recall that day much, but remember I felt uncomfortable enough at the NBT XXXX XXXX to go to another NBT Branch later that day to get a printout of transactions. I have never done that before. I am trying to find the deposit slip, but I may have discarded it. I am a mixed race female.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I submitted a request for ProCollect to verify the debt. I emailed a request, sent certified mail ( that was signed by an individual at ProCollect which proves it was received ), emailed again, and went through four dispute processes with a credit bureau. I have not received any information from ProCollect validating my debt and it has been beyond the threshold to respond back with debt validation.

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 2023-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
Online I paid XXXX XXXX XXXX XXXX {$200.00} on XX/XX/XXXX to send to country of XXXX to my sister, my sister didn't pick up the {$200.00} because there was no money sent, in a couple days I called the XXXX XXXX and asked to cancel, they said fine and we will refund the {$200.00} back to your bank account which was drawn from within 48 hours, until now XX/XX/XXXX never got my money back, I called their company several times, they admitted they will refund it within 72 hrs, they continuously lied and never sent it back and tried to make it sound like something happening, just to make me might forget about it. Please help get my money back I need it, any info can be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account 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

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 2023-03-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Based on 15 USC 1681s-2, 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 not 100 % accurate, I have displayed on several occasions how the Fair Credit Reporting Act is being violated. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall now 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. ( B ) Reporting information after notice and confirmation of errors A persona shall not furnish information relating to a consumer to any consumer reporing angecy if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The credit bureas dont seem to be compliant with the actual laws.

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 2023-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank has restricted access to our account with more than XXXX in the bank. They have not resolved the issue in more than 72 hours. Reference account number : XXXX. High Yeild savings account. We have made three calls to the bank in the past week without resolve. Each time we are told that it will be another 48 hours. We want access to our money now. This is the message listed on their website that restricts access to the account as we can not transfer money our or in. Your account is restricted. You are not able to access this account online. Please contact a Banker at XXXX to change your account status.

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 2023-03-31 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: PNC Bank N.A.
State: TX

Complaint narrative:
I am writing this letter to file a complaint against PNC for repeatedly putting back the disputed information on my credit report. I have filed multiple disputes with PNC regarding incorrect information that was reported to the credit bureaus. However, despite my repeated efforts to get the information corrected, PNC has consistently failed to update my credit report and has instead put the disputed information back on my report multiple times. This has caused significant damage to my credit score and has affected my ability to obtain credit and loans. Despite my best efforts to work with PNC and resolve this issue, they have repeatedly failed to take the necessary actions to correct my credit report. I request that PNC take immediate action to correct my credit report and remove the disputed information once and for all. Additionally, I would appreciate it if you could provide me with written confirmation that this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: CCS Financial Services, Inc.
State: IN

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Credit Collection Serv ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CREDIT COLL ACC # XXXX, has violated my rights 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 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 accurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Based on 15 USC 1681s-2, 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 not 100 % accurate, I have displayed on several occasions how the Fair Credit Reporting Act is being violated. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall now 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. ( B ) Reporting information after notice and confirmation of errors A persona shall not furnish information relating to a consumer to any consumer reporing angecy if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The credit bureas dont seem to be compliant with the actual laws.

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 2023-03-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My employer uses Bank of America ( BOA ) as the vendor to service XXXX and XXXX XXXX payments. Bank of America issues one credit card to service both areas : XXXX and XXXX XXXX, however, they are separate buckets for tax and reporting purposes. When you use the card it is supposed to be able to decipher on the transaction by transaction basis which bucket the transaction 's charge should go to, however, the system is not working. It does not allocate my transactions correctly which is a huge problem for tax purposes. When I try to get the issue corrected, BOA says that there is nothing that they can do. They say that they are not allowed to correct the allocation issue. 



I have tried to work with XXXX from BOA who then transferred me to XXXX. They are not allowed to fix their issues. It just becomes a consumer problem. 

Date : XX/XX/23 payment to The XXXX XXXX XXXX for my daughter 's therapy. 
Transaction Amount : {$350.00} Action Taken : NONE ( I was told that there is nothing that they can do )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
Xactus LLC has conducted an inquiry of my credit resulting in a hard credit inquiry. I have no knowledge of this company and have not consented for them to review my credit. It is damaging my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank Of America sent me a credit card that I did not apply for I called them waited on hold an hour got bounced around and they did not have an explanation whyyI received a credit card that I never applied for

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