vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I ask the credit bureaus to do a verification on my credit report which they did and said everything was accurate. I also did thorough research myself and found improper information on my report after the credit bureaus did their thorough research. Below you will find the Account name and account number. XXXX XXXX. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I ask the credit bureaus to do a verification on my credit report which they did and said everything was accurate. I also did thorough research myself and found improper information on my report after the credit bureaus did their thorough research. Below you will find the Account name and account number. XXXX XXXX. 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Constantly overcharged fees for ATM withdrawal from a Wells Fargo ATM even though I was at Wells Fargo customer an account holder

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 2023-01-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The status is incorrect for the following account XXXX XXXX  XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There has been an ongoing Identity theft Issue with fraudulent accounts and unverified accounts still appearing on my credit report after they were reported as identity theft via a police report and FTC report. There are numerous accounts being inaccurately reported in addition to the fraudulent accounts not being removed after numerous attempts to do so. Equifax, XXXX, and XXXX are violating federally protected consumer rights by reporting fraudulent and unverifiable information as accurate with no proof of the method of verification being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a customer service experience over the phone with BMO so bad I was wanting my employer to let me go home early and recover and miss my shift. It was so horrible I found the CFPB complaint utterly scathing against the bank. Shortly afterwards I got the letter overnighted to me via XXXX air. It was saying that on XX/XX/2023 I was going to be kicked out of the bank and I need to find new places. This was completely against my will but Ive been having such a terrible experience Ive didnt try to fight it. 


After that experience I just sit back and wait for the check to arrive. The credit union I went to instead of BMO I like much much better and dont even want to go back to BMO Harris Bank XXXX 


Now theyre saying I will probably have to pay a notary to get my money out and go through a Kafkaesque process. 

A good while back my identity got stolen in my accounts cleaned out and Im just not going to repeat that process again.

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 2023-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I never received any clear communication from the debt collector Designed Receivable So for any debts that were incurred. I disputed the collections with all 3 credit bureaus and they still failed to update any current dispute status on my reports. it shows that they last updated the accounts 3-4 years ago? I feel my rights have been violated. 
The collection accounts that I have been disputing are all with Designed Receivable So. I researched my rights and here is what I have found. 
According to 15 USC 1681i XXXX, XXXX XXXX XXXX XXXX shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. These accounts were disputed directly with the credit bureaus on XX/XX/2022 and XX/XX/2022, and as you see in my attachment no status updates as of my recent disputes. My Rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PACIFIC WESTERN BANK
State: IL

Complaint narrative:
My home loan was refinanced by this company XXXX XXXX XXXX XXXX in 1998 unbeknownst to myself and my wife. This company refinanced our home for {$52000.00} for what because we never saw a XXXX of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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 2023-01-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are errors in reporting in my Equifax credit report violating reporting standards according to Metro2. I sent a letter to Equifax over 30 days ago on XX/XX/2022 and have not received any reply or any action taken on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On Wednesday XX/XX/2023 I went to Discount Tire located at XXXX XXXX XXXX XXXX XXXX OH XXXX. The purpose of the visit was to purchase a new set of four tires. Discount Tire employees ; XXXX, XXXX, and XXXX told me about a promotion in which I can finance the cost of four new tires through a company called Synchrony. Upon application to finance the work ( which was quoted at {$820.00} ) I requested {$830.00}. Synchrony denied the requested amount and offered {$400.00} instead. I declined the amount and did not wish to be issued a line of credit for {$400.00}. On Tuesday XX/XX/2023 I received an email from Synchrony saying a credit card was in the mail for {$400.00}. I called ( XXXX ) XXXX XXXX and after much difficulty through the automated system reached a live person to cancel the credit card. 

Note : A letter from Synchrony arrived on XX/XX/2023 stating the reason for denial was " Insufficient experience at your current credit limit ''. I have no experience with this limit because I have never had an account with Synchrony. This is not a legitimate reason to be denied.

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/XXXX I purchased 4 {$100.00} XXXX gift cards. After purchased once opened the four cards did not have a 3 digit code on back of cards. These cards where a miss print according to XXXX and can not be used. The original store XXXX will not issue refunds and XXXX is not allowing purchase if not registered. Without the 3 digit code you can not register. I have submitted all requested documentation to XXXX XXXXXXXX XXXX on XXXX XXXX XXXX. Each time I call XXXX they have not corrected this issue and the customer service agent is not allowed to transfer to other departments and no supervisor is never on shift. I'm currently out of {$400.00}. I have the fax confirmation including the XXXX case number that XXXX acknowledged the problem. These cards where purchased using my personal XXXX bank card.

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was informed of the recent {$3.00} XXXX dollar settlement of CFPB Vs Wells Fargo bank. Wells Fargo bank was supposed to send all financial obligations to those who had an account with them from XXXX. I have had a Wells Fargo account since XXXX and continue to have an account in XXXX. I received no email notification, no letters, and no checks regarding this settlement case. 

Is there any way my case can be reviewed to ensure that I do qualify for a portion of the {$3.00} XXXX dollar settlement?

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There was fraudulent activity on my fathers bank account for XXXX and they closed the account & he never received the money back, I Became my fathers POA XX/XX/XXXX, he was dying of XXXX XXXX, he asked me to look into his account there & find out about the {$2900.00}, he also had CDs, A Savings account I went to the branch several times filled out paperwork, received a letter my POA was approved went back to the branch several times, called customer service never got any help. I put a complaint in & Even from Capitol One complaint dept & told me this should have never happened. He had me call another number. My father passed away on XX/XX/XXXX, for the first time I got any info was on XX/XX/XXXX from a XXXX saying I couldnt get info because I was not POA when his account was opened & I could have called with him or went to the bank when he was alive & got all the answers. Thats was over a month that he passed away. I would like to know where my fathers money is. I have all dated paperwork proving they should have gave me his information and I could have gotten his money back. It feels like Capitol One stole from a dying man.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I inherited properties in XXXX,. Four to be accurate. In XXXX XXXX I am being told I went into default with my taxes. XX/XX/XXXX was the first I became aware of any such problem. The board of supervisors contacted me and stated I need to local another probate attorney because my probate was not finished. I have receipts on my taxes and other documents that the assessment board and other government offices do not want to see. XXXX XXXX ( XXXX ), employee refused to withdraw my properties from the XX/XX/XXXX XXXX  XXXX, XXXX auction. The consequences of his actions has involved an individual who says she purchased my home and is evicting my tenants and myself.

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 2023-01-24 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: MS

Complaint narrative:
I do not recognize any of these inquires. These are clearly the result of fraud. Please help! 

I didn't authorize any of this. 

I didn't consent or willfully oblige any creditor or bank ... to use or access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I get a email every day about my Wells Fargo bank balance but I am not allowed to sign in to see

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 2023-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: MO

Complaint narrative:
I have no idea who these people are. My sister did not have any debt with them and I'm seriously XXXX XXXX  that some scam company is preying on me and and parents trying to collect debt that A ) she didn't have and B ) We did not cosign for! Please tell them to XXXX XXXX ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Back in XXXX WellsFargo Bank misplaced my mortgage payment and for that reason my mortgage account appeared late for six payments and that affected my credit score. 
Therefore, tried to dispute the issue with Bank but my credit was never restored nor recovered and for that reason WellsFargo ruined my credit and affects my credibility and not qualify for any thing and no leader trust me because of my credit score which is resulted of those lates payments of which have never happened but the bank misplaced the transaction and appeared that was late but in real sense never late for any payments.

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC BANK SMART ACCESS IT HAS BEEN 2 1/2 YEARS NOW I HAVE BEEN TRYING TO GET MY FUNDS OUT OF MY ACCT. I HAVE BEEN GIVEN THE RUN AROUND FROM XXXX OF XXXX AND TOLD NEMOURS TIME SOMEONE WOULD CALL ME BACK AN TILL THIS DAY THEY HAVEN'T BUT IS TAKING THE XXXX MONTHLY FEE FROM MY ACCOUNT. IN XXXX I WAS TOLD TO GO TO BANK BRANCH IN SHOW MY ID AT WHICH I DID. AS OF TODAY XX/XX/XXXX THEY STILL HAVEN'T RELEASED MY MONEY. TODAY I WAS TOLD AGAIN THAT THE XXXX WOULD DO A EXLACTION ON THE ACCOUNT. THE ACCOUNT NOW HAS XXXX WHICH THEY OWE ME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
There are various inquiries on my account that I did not approve/ authorize.

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 2023-01-24 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: William D. Meeker Enterprises, Inc.
State: CA

Complaint narrative:
There are various inquiries on my account that I did not approve/ authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: WA

Complaint narrative:
In late XX/XX/2022 XXXX XXXX XXXX called me saying my auto payment did not go through. Ive been with XXXX for four years and Ive been using auto payment for all my bills every two weeks and Ive never had a late payment missed payment and Ive actually been paying more than my monthly balance every month for two years to make sure that Im ahead of schedule.

When they called me to tell me that my payment didnt go through we then went through a series of phone calls and emails to get my account fixed and the issue was somehow unresolved by both parties but three times they promised to call me back to resolve the issue and three times they did not, and when I finally figured out the problem by myself I made it a completely full payment and then a few days later it was reported that my payment was late.. 

XXXX XXXX XXXX has already agreed to ignore the ding and not dispute it so that it would go in my favor to remove it from my credit history

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