vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo has closed two of my accounts without my knowledge I have banked with their company for over 20 years and they have failed to comply and inform me of my account status and communicate with me to discuss my banking relationship and dangers of me being at risk of losing my account. XX/XX/2022 I received a direct deposit to my account which had been overdrawn for about 60 days, which covered most of the funds owed to Wells Fargo leaving a balance of {$17.00}, on XX/XX/2022 I had another direct deposit of {$960.00} that Wells Fargo rejected and closed my account the same day, they did not inform me of the closing of my account, I have written checks to pay bills because I knew the funds were going to be available XX/XX/2022 my tax check to be exact, I waited all day Friday checked my online account and it still showed the negative balance of {$17.00} get up Monday XXXX XXXX check my account I can't log in so I call and that's when the rep informs me the account has been closed, I don't understand how they can do this and not inform me now my bills are going to be delinquent and lights are going to be turned off tomorrow, they rejected my direct deposit on XXXX XXXX and closed the account the same day to tell me to was because the account had been overdrawn 55 days in which a direct deposit had been made XX/XX/2022. XXXX a single mother struggling everyday to make in this world and for Wells Fargo to just not think about my situation and stop my money and take theirs is inhuman and wrong, this is going to cost me more than I can afford and lose my place because my rent check was one of items that's going to be returned and im going to look like im writing fraudulent checks on a closed account which can cause me to go to jail, all because I was not informed at all about the account being closed until I called to inquire about not being able to log in online please help me please im a risk of losing everything I have for this one small inconsiderate move on behalf of Wells Fargo .Thank you for your time. Be Blessed

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 2022-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Paid scam collection agency two installments ( XX/XX/XXXX and XX/XX/XXXX ) after they contacted son via email on XX/XX/XXXX and threatened to report him to XXXX XXXX over previous alleged debt balance owed Wells Fargo, which he believes was already paid, but the debt was so old he can't remember. Original debt was also mostly bank fees and a fraction of what is demanded by debt collector. This company was hostile and threatened legal action unless monies were paid right away. Contacted original bank and they have no record of account or social.

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 2022-06-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. 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 non-monetary relief
Consumer complaint received 2022-06-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Charges for late fees because of a XXXX difference ... then a XXXX difference ... for a card that has not been used

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: LA

Complaint narrative:
SoFi was offering a {$300.00} incentive to set up direct deposit in a Checking and Savings account, and deposit {$5000.00} within 30 days. I used to have a brokerage account called " SoFi Money, '' but not their new Checking and Savings account. 

Per the terms and conditions I was given on XX/XX/XXXX : " Eligible Participants : All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checkings and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account as of the beginning of the Promotion Period are eligible for the Program. '' Please see page 7 of the attached pdf.

I requested access to the new Checking and Savings account on XX/XX/XXXX. 

The following day, XX/XX/XXXX, I logged into my SoFi account and was greeted with display offering this same {$300.00} bonus. I wanted to double check, so I spoke with SoFi 's chat support. A live agent named XXXX XXXX informed me that I was eligible. Please see jpg files 1 and 2. 

On XX/XX/XXXX, I reached out again to SoFi chat support because I had expected the {$300.00} bonus to be deposited by then. A live agent named XXXX XXXX apologized that I hadn't received the bonus yet, and said it would be awarded " in a couple of days. '' On XX/XX/XXXX, I called SoFi by phone. I was informed that I was not eligible for this bonus, and that I had been misinformed. The agent I spoke to told me that it was their fault I had been misinformed, but the bonus would still not be awarded. I asked to speak to someone higher up. 

I then spoke to XXXX XXXX. She told that direct deposit activity on my old " SoFi Money '' brokerage account disqualified me from earning this bonus. I pointed out that there was no such language in the terms and conditions that I accepted. She said that there was language specifically excluding customers like me on their website now, and that they reserve the right to change terms and conditions at any time. 

I pointed out that this was unfair. I reminded her that they admitted this was a mistake on their part. I also pointed out that " changing the terms and conditions at any time '' would allow them to refuse the promised bonus to any customer at any time. Ultimately, XXXX and I could not come to resolution. 

I feel like this is a bait and switch. I did my due diligence, I followed the rules as presented to me when I accepted their offer, and I verified multiple times that I was eligible for the promotion. It's only after I deposited three consecutive paychecks ( and bolstered their balance sheet for investors ) that they now say they changed the rules and I don't qualify for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
most of my credits cards, have put in disputes. they are not resoled to my satisfaction or are ignored. this is been going on for five months talking to the company 's Please help 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 2022-06-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I need the CFPB to take a second look at this clear fraud. 

XXXX RESPONSE FROM XXXX They are now saying that the maturity date listed on all of my documents as XXXX is now a draw period date and that we did not make consistent payments from XXXX to XXXX, yet there is no credit reporting of delinquency on any of our credit reports. How could we go from XXXX to XXXX with no payments and then from XXXX to XXXX make consistent payments according to their documentation and still owe {$5200.00} dollars. So for 16 years according to them we did make consistent payments, lets do the math : 16 years ( 192 months ) times {$200.00} payment equals {$38000.00}. Under no circumstances could we have not paid off this loan. This is insane that they are allowed to continue to do this to people. Who is not looking at this fraud and not seeing fraud?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing continues to report that I owe on 2 separate accounts. One being XXXX  for {$1700.00} acct # XXXX and the other XXXX {$1000.00} Acct # XXXX. These accounts are over 7 years old and should have fallen completely off all my credit reports. I have submitted disputes to Convergent Outsourcing at least 3 times during this past year to no avail. My last certified letter to them was in XXXX & XX/XX/2022. They still refuse to remove. 

Could you please help me with this situation? 

Thank you, 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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
incorrect credit score reporting, unable to obtain credit report online.

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 2022-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
Escrow Mismanagement : In XX/XX/XXXX I received a statement from my loan servicer Citizen 's Bank that I had an escrow shortage of {$150.00}. I made my XXXX payment and sent a separate check for the escrow shortage of the {$150.00}. Sometime in XXXX i was made aware that my property taxes for the subject property were delinquent and assessed late fees. I contact Citizens and spent hours on with a call center where the staff had no understanding of escrows or taxes. We did determine that Citizens paid both too much and to the wrong property. I could not get any further with the call center and I had to contact the mortgage broker who wrote the loan, and they had a contact state side and asked for help. I was contacted by the office of the president of Citizens bank, XXXX XXXX to fix this problem and to correct addressing errors on the part of Citizens. Today I called and my taxes have not been paid, but I see a new escrow statement raising my payment yet again, twice since I bought the property in XX/XX/XXXX. There should have never been an escrow shortage in XXXX of XXXX since the amount that Citizens was showing for my taxes was incorrect and too high. There should be no escrow shortage in XX/XX/XXXX since I paid an extra {$150.00} already and the taxes are still showing too much. Additionally, my taxes have not been paid, and Citizens is trying to charge me the late fees. I have made all my payments on time. I have had many loan servicers over the years and Citizens is by far the most incompetent. These people should not be in charge of anyone 's money. They are ineffective, incompetent, they avoid speaking to you and pawn you off on a call center is a corner of the world where people don't even own homes, much less understand about taxes and escrows. They can't even get the subject property address correct! There needs to be a complete forensic audit of my escrow account and my payment adjusted correctly!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: CA

Complaint narrative:
I SUBMITTED A COMPLIANT IN XXXX REGARDING ACCOUNTS REPORTING TO MY CREDIT REPORT THAT WERE DUE TO IDENTITY THEFT AND EXPERIAN IS STILL SHOWING A CELL PHONE BILL THAT SOMEONE OPENED WITHOUT MY CONSENT.

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 2022-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
Aqua Finance is taking auto payments from my bank account for an account. They auto debit $ XXXX. Some promo ended which increased the payment to {$36.00}. They did not send an email to let me know of the change. They say i was sent a statement via mail, and that may be the case however all previous statements are to remind me that an auto debit is about to occur. I would have no reason to believe this would be any different.

In the past, they have called and emailed me when my auto debit failed. This time, Aqua Finance reported me late to all credit bureaus, even though they are receiving auto debits on time for the original {$24.00} amount they set up as recently as XXXX of this year. The terms changed in XXXX to {$36.00}.

I called and requested they change the amount of the auto debit to {$36.00

} and remove the late payment from the credit bureaus, since they have been receiving payments on time and that I was not emailed ( my primary method of contact ) of the change. They refuse to remove the late payments. I need help asap!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and Account name XXXX FOR XXXXXXXX XXXX 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 2022-06-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and Account name XXXX FOR XXXXXXXX XXXX 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 2022-06-06 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:
This was not sent in error, I am XXXX XXXX a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information

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 2022-06-06 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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investigated but how is that even possible if the open date, date last active and date last reported is not accurate? This is ground for removal and now has forced me to receive documentation from the actual financial institute even showing I've attempted to settle this as the Bureaus tried saying it was on the institution and not them. I also have an entire transcript with a supervisor at Transunion in regards to this repeated issue and requesting to speak with the supervisor of one of the financial institutions I was also on a separate call with trying to solve this issue however that was against the institutions protocols.

They also violated the law because according to 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.

I did not give any 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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This was not sent in error, I am XXXX XXXX, a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information

Company response to consumer: Closed with explanation