vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: MO

Complaint narrative:
I originally asked Discover bank to open a checking account. They instead opened a online savings account for me. On XXXX XXXX deposited a {$15.00} check using there app. On XXXX XXXX received an email saying my check had been posted to my account. That's the last time I was on there app on my account. On Friday XX/XX/XXXX I received an email from discover bank saying my account was frozen. I called that afternoon and was told it was closed due to a business decision by discover bank. I asked for a reason and was told they didn't have to give me a reason. I then asked about my {$15.00} and was told it was sent back to XXXX XXXX. I asked how they could return {$15.00} to a bank after it was already posted to my account. Discover bank said that's what they did. We contacted XXXX XXXX  and was told they wouldn't return the {$15.00} because they couldn't be sure if the funds were mine. That's a lie because I've been receiving a check every month from that account because of a part time job. Also on XX/XX/XXXX I requested to speak to a supervisor. The lady put me on hold for XXXX minutes. She came back and said she could not find a supervisor but she would have one call me back in 24-48 hours. It is now Tuesday XX/XX/XXXX and still no call. I know that lady never tried to get a supervisor on the phone because before I hung up I told her to tell her supervisor I was filling a complaint with the Federal Reserve. She said I already did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My checking account and saving account got blocked and placed on the accounts after I deposited a check every time I called the fraud team when they transferred me to the deposit risk team. For the past week, I can't get ahold of anyone for the long wait time, checking account XXXX and saving account XXXX. My account phone number is XXXX. Please unblocks both accounts.

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 2022-08-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
I am a cosigner for my daughters sallie=mae loan these people should be investigated when she graduated her interest rate went up to 10 percent from 4 percent plus they keep on changing the payment due date even when she was in forberance so they can collect a late fee. I am sure i am not the only one that they are ripping off these students.there practices are criminal worse than loan sharks please help me with this awful company they should be arrested Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I called XXXX to dispute hard inquiries on my report they told me they can't remove them. Called Capital One personally they said they couldn't remove them either. Stating under federal law they have permissible purpose to furnish this on my report but can't remove it. This is hurting my credit worthiness. I spoke to XXXX no last name was provided. Also spoke to XXXX at Capital One badge number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SFMC L.P.
State: TX

Complaint narrative:
I am filling a complaint due to the illegal activity that has started as of XXXX. Letters dated on letter head then post marked 7 days after then another 3-5 days received. When calling Loss Mitigation a constant run away with documents. Never receive phone calls on which documents are missing. Never a call back from Supervisors. Now a letter of from attorney with a foreclosure date. Taking days to review documents sent in with no indication of the process. I have phone conversations recorded. Emails from attorney. The many times I have submitted applications. I have been hung up on giving the runaround. I am now seeking legal advice. I have submitted many documents from a previous complaint that shows evidence of my diligence on saving our home! From phone records. Recording of conversations and emails.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: IL

Complaint narrative:
On XX/XX/2022. I received a copy of my credit report and Found Several XXXX accounts, addresses, inquiries, and public records in my name. I was in XXXX During the time these items were added fraudulently to my credit report. I have never Filed Bankruptcy, lived at the addresses on my report or inquired of specific items. I asked EXPERIAN, XXXX, AND XXXX to investigate and to mail me the results for the items in question. I contacted all sourced reporting the Fraud information. Each company advised me to dispute with the credit bureaus. I was told by an Experian XXXX to file the fraud accounts with FTC.gov I did and reached out to the courthouse I was told reported the Public record inaccurately. Then another investigation was done and it was reported by XXXX XXXX once I received a letter the courthouse does not report public records. The credit bureaus are violating the FCRA and not reporting correctly on 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 non-monetary relief
Consumer complaint received 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX Bank, XXXX XXXX Bank, And XXXX services are XXXX credit accounts that should have Been removed from all my credit reports completely. I have reached settlements with XXXX XXXX and XXXX XXXXXXXX, paying them money in order to have these negative items removed. They did not follow suit, but instead are asking for more money. This is a big lie and should be considered fraud since they took my money. XXXX XXXXXXXX bank even took my money then sold the account to XXXX XXXX to collect the same debt, if not more. I dont understand if we both reached an agreement. 

XXXX XXXX XXXX, was a company that went bankrupt. The debt is no longer mine. XXXX still having trouble removing it from all three credit reports.

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 2022-08-23 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: NC

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  And XXXXXXXX XXXX are three credit accounts that should have Been removed from all my credit reports completely. I have reached settlements with XXXX XXXX and XXXX XXXX, paying them money in order to have these negative items removed. They did not follow suit, but instead are asking for more money. This is a big lie and should be considered fraud since they took my money. XXXX XXXX XXXX  even took my money then sold the account to XXXXXXXX XXXX to collect the same debt, if not more. I dont understand if we both reached an agreement. 

XXXX XXXX XXXX, was a company that went bankrupt. The debt is no longer mine. Im still having trouble removing it from all three credit reports.

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 2022-08-23 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/XXXX I was scammed by an individual using XXXX through Wells Fargo. After fake emails/texts that were manipulated, we transferred {$300.00} to the scammer in order to complete the transactions ( which we were supposed to received {$300.00} ). Once I realized it was a scam and the money had been sent, I immediately tried to call XXXX to cancel the transaction but they said I had to go through Wells Fargo. So I immediately called XXXX and explained the situation, of which they opened a claim. Please know, as I was talking to the Wells Fargo agent, I still had the scammer on a text conversation. I tried to get XXXX and Wells Fargo to immediately trace/stop the transaction as well as block the receiving account, email address and phone number. Had someone looked into the email and phone number at that moment, this scammer could have been caught/flagged/punished. Instead NO ONE COULD DO ANYTHING and according to Wells Fargo, this is an " authorized transaction '' so they all wipe their hands free of the fraudulent activity. 

HOWEVER, Per the CFPB this transaction, even if negligent, IS NOT AUTHORIZED AND SUBJECT TO REIMBURSEMENT BY WELLS FARGO! Here is the exact language taken from CFPB specifically addressing my issue : " If you've been scammed with XXXX, you should contact your bank and report the loss of funds as soon as possible. Some banks reportedly have refused to offer refunds because the federal law protecting consumers from the theft of their funds applies only to " unauthorized '' transactions. In XX/XX/XXXX, the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent XXXX transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. The CFPB also stated that banks can not consider consumer negligence as a factor or claim that consumers waived their protections in their bank account agreement. If you've been scammed with XXXX and your bank refuses to return your funds, you can file a complaint with the CFPB, which forwards consumers ' complaints to financial institutions to respond. '' PLEASE GET MY MONEY BACK FROM WELLS FARGO WHO IS DENYING THIS CLAIM BY CFPB!

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 2022-08-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # # # # # # # XXXX, and XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX : 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 2022-08-23 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting Act and the federally protected rights it provides the following accounts are listing improper late payments on my credit report. I have also attached a court order upholding my responsibilities to the following accounts. 

FXXXX XXXX XXXX  - Account # XXXX Late Payment reporting on XX/XX/XXXXXXXX XXXX XXXX Account # XXXX Late Payment reporting on XX/XX/XXXX XXXX U.S.C 1681B - Permissable Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C section 604 A ( XXXX ). States a consumer reporting agency can not furnish 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