vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I verified all of my personal information but still wasnt able to access funds

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 2023-02-03 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: Fay Servicing, LLC
State: NY

Complaint narrative:
Response from lender requests account information which I dont have access to & it states above not to include the information here. How can I resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: LA

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. Account name : XXXXXXXX XXXX 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 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 inaccurate. 
please provide original contract and verify all payment history where necessary.

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 2023-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an email from XXXX, where I have a credit card, that there was a inquiry on my credit report from Bank of America on XX/XX/23. I did not initiate this credit 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 non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
On XX/XX/23 I called to get my balance and past due amount and how many days. I was told that I was 12 days late and wouldnt be reported as late if payment of {$300.00} was made on XX/XX/23. On XX/XX/23 I was reported late. Ive called several times and has gotten the run around. They lied like the call would be pulled and that I would get a call back in 24-48 hours on several occasions. On XX/XX/23 I was told that the Credit Department sent paperwork to dispute this matter and as XXXX nothing has been mailed. They give the wrong information purposely to report you late and charge crazy amount of fees. This company was sued in XXXX of this year for the same reasons. This is absolutely ridiculous and due to their company constantly giving the incorrect information my credit score has been affected.

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 2023-02-03 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: TX

Complaint narrative:
In accordance to the Fair Reporting Act XXXX Account XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not funish 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 2023-02-03 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: TX

Complaint narrative:
In accordance to the Fair Reporting Act XXXX Account XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had a car loan with Wells Fargo and they showed that my account still had a balance when I paid it off and then it showed that I missed my payments as well. The total amount was {$15000.00} and I had to contact the credit bureaus as well. I do not remember the exact date.

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 2023-02-03 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: FL

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated everything was accurate and I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough investigation. There is inconsistencies between the three credit bureaus ( Experian, XXXX, XXXX ) on the opening date of my accounts. 

DEPARTMENT OF EDUCATION - ACCT # XXXX BALANCE - {$5000.00} DEPARTMENT OF EDUCATION- ACCT # XXXX BALANCE - {$3100.00} And accordance with The Fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602a States I have the right to privacy 15 U.S.C 1681 section 604a section 2. It also States a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Recently Wells Fargo announced that their clients may be affected if they have an account with them from XXXX until XXXX. During that time Wells Fargo may charge the wrong fee or interest in your account. I have a Wells Fargo account since XXXX and I would like to know if my account has been affected.

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 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Prince Parker & Associates
State: MO

Complaint narrative:
I have tried many times to get XXXX Credit Bureau to remove a collection from my XXXX credit report. They continue to have a Prince Parker and Associates collections on my credit report that Prince Parker admitted to was an error. I contacted the XXXX XXXX XXXX and they had Prince Parker contact XXXX to updated and remove the information from my credit report ( twice ). But XXXX Credit Bureau refuses to remove the inaccurate information. And has not given me a reason of why when I did dispute the collections. XXXX would not tell me what the letters stated from Prince Parker to remove the information for my credit report said.

This has caused a tremendous effect on my credit that was prefect before this. I have never missed any payments and have had credited for over 22 years. I am a senior in fragile health and this matter is causing me great stress because I have been going back and forth with XXXX since 2022 of last year. Please help me with a solution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WAFD BANK
State: AZ

Complaint narrative:
In a shout period they cancelled the debit card, saying there was fraudulent charge at XXXX ( out of the blue without asking me about it. ) The fraud customer service group in XXXX was absolutely no help. Then, after the card was finally reinstated and I had contacted everybody who needed auto payments associated with the card XXXX of their ATM machine decided it didnt like a check I was trying to deposit. It ate bth the check and the debit card. After any hours on hold, covering XXXX days, I was told I would have to drive an hour to get a replacement card, and my check might be returned within 90 days! 
I can provide a file with an image of the check stub in needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: LA

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. Account name : XXXX XXXX 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 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 inaccurate. 
please provide original contract and verify all payment history where necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
I was in the process of buying a new home for my XXXX children, wife and myself when the lender informed me that XXXX  Mortgage is reporting I made my XX/XX/XXXX payment late on XX/XX/XXXX. This is absolutely false and I have the confirmation email from XXXX  Mortgage dated XX/XX/XXXX that the payment was made. I spoke to multiple agents first being XXXX who was the rudest excuse for a XXXX agent Ive ever encountered. She raised her couch at me and insisted I made the payment on XX/XX/XXXX and would not even listen to me that I made it on XX/XX/XXXX and had the confirmation email to prove it. She spoke over me, outright refused to connect me with a supervisor after many clear requests and basically called me a liar and kept saying Whats crazy is Im looking right at it and you scheduled it on XX/XX/XXXX. Another agent, XXXX ID # XXXX ( on XX/XX/XXXX ) stated she could see that we made the payment on XX/XX/XXXX and this happens sometimes because of the holiday and weekend and they were closed on XX/XX/XXXX and XXXX so it didnt post until XXXX but it was made on time in XXXX. She told me the payment will not be reported as 30 days late and would be auto back dated. 
However, when I did a conference call with XXXX who was confirming for the lender, that agent ( also named XXXX but different from the previous XXXX XXXX said she does not see that and reported that the payment was made 30 days late on XX/XX/XXXX. She would not do anything to help or verify the information I was giving and even refused to allow me to forward them the XX/XX/XXXX confirmation email stating that the cashier she was escalating to would be able to see it. She would not provide a timeframe at all for resolution even when I explained this was preventing us from closing on our new mortgage. I called again on XX/XX/XXXX and again explained we are waiting for this issue to be resolved and that I have been calling for XXXX weeks and being told different answers and no one is helping. I begged the girl to help me resolve it today as our closing date was the next day, XX/XX/XXXX. She put me on hold and then stated her supervisor had escalated the issue to the cashiers and would call me by the end of that day. That was XXXX days ago and I still never heard from anyone. As a result of this, my new home loan was denied and I am now left with my family of XXXX staying in my mother in laws XXXX bedroom home with her, all in our things in a XXXX XXXX, we already enrolled our kids in new schools, set up utilities, changed address with the post office and the sellers of the home we were to purchase already moved out as well. Our lives have been absolutely turned upside down because of this.

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Dear CCB/CHLDPLCE ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2022 30-days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
So I sent a transfer to a XXXX XXXX as part of A payment for a car thst I didn't receive yesterday by a computer on XXXX XXXX and they refuse to give me my XXXX back and also cash app refuses to Give me back my {$300.00} that I sent to a XXXX XXXX on the XXXX birthday card also then I sent a {$500.00} prepaid gift card yesterday to them plus another {$200.00} gift card to them and I got my {$1500.00} back but none of it and did not receive the car Bank won't refund me and there were cash app I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint is attached to your previous complaint # XXXX already closed for some reason. 

A fake check with an unauthorized signature was paid by truist bank on XX/XX/XXXX for the amount of {$8700.00} to an unknown party from my business account. Also the fake check is missing a digit of the account number in the bottom of the check. A claim has been issued with truist bank and was denied saying that had to be within 30 days from the transaction. This check has a totally different signature from the authorized one and even missing 1 digit in the account number on the paid check. 

after the complaint above was failed trust bank refunded the amount of {$5100.00} on XX/XX/XXXX ( attached bank statement and highlighted transaction ) but not the correct amount of {$8700.00}. Truist bank still owe me {$3500.00}. 

The last phone call made to trust bank on XX/XX/XXXX did not work out again the claim specialist says they can not do anything about this and the initial claim was denied. I opened a new complaint with truist bank again ( truist bank complaint # XXXX ). 

This company paid a fake check from my funds without authorization and now saying I have 30 days from the check paid to recover my money. We save money in banks to be safe and not be part of a fraud.

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I made a claim to Chase Bank that a check written through there bill pay service has not been received by my vendor. Chase provided proof that the check was deposited but it appears the endorsement was to an individual and not the company that I paid. Originally Chase shared that the problem was on the vendor and that there was nothing they could do. The vendor went to the authorities and the financial crimes officer shared Chase had to help. Chase finally helped after 2 months of arguing over a small error on the form. We are now waiting 2 1/2 additional months for help on this matter. We have been waiting a total 4 months to get this fixed. I don't think this should be how things are when a chase product like Bill Pay is being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: TN

Complaint narrative:
Received foreclosure notice from foreclosure attorney XXXX. I spoke with customer service Planet Home Lending XXXX XXXX, requested assistance for my home to stop the foreclosure. I have called several times every week since I received the foreclosure letter. Spoke with XXXX XXXX XXXXXXXX Planet Home Lending I was told again by him and customer service I needed to speak with foreclosure attorney to get assistance. The attorney has told me since XXXX XXXX, XXXX he was sending my mortgage servicer and email to stop the sale and know he will not return my call. I have been given a different information every time I've called. I have been given bad information and the run around I have been in my home for over 10 years. I did not receive a letter stating the debt was being accelerated or a letter to validate the debt. I am requesting copy of deed and note. I want this information before my house forecloses. Tennesse law says I am supposed to receive this information when I request it. I have been affected by XXXX, my income has been reduced...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio recovery calls me daily, sometimes multiple times a day and during all hours of the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 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: NV

Complaint narrative:
I submitted a dispute to Equifax back in XXXX of XXXX about XXXX fraudulent accounts on my consumer report, XXXX XXXX XXXX XXXXXXXX XXXX in the amount of {$5800.00} and the other amount for {$2500.00}. I submitted over my identity theft affidavit, my police report, and a statement stating the account was fraud and to block this information from my consumer report. Equifax sent a letter statement they were not going to block the account but they were going to investigate the account. On XX/XX/XXXX Equifax completed the investigation and update my consumer report saying the account balance decreased by {$420.00} and the other by {$77.00}. The account was also reporting charge off but now the account is reporting as unknown payment history from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am trying to see how did Equifax investigate a fraudulent account and furthermore how did a account go from charge off to unknown payment history and the account is back open. That is not accurate information that Equifax is reporting on my consumer report. Remove and block this account immediately from my consumer report. If the block is rejected, please send in writing why this block was rejected and what claims does Equifax have to support the rejection of this block. I will attach screenshots below of the status and history of this account. 

Accounts : XXXX XXXX XXXX ; Amount : {$2400.00} Accounts : XXXX XXXX XXXX : Amount : {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I was a resident of XXXX XXXX XXXX  account number XXXX. I was charged {$120.00} for not leaving my apartment clean at the end of my lease. I cleaned the apartment before I left and also had XXXX roommates living with me. I paid my rent to XXXX in full for the whole year without incident. I feel they are wrong for charging me a cleaning fee when they have to clean the apartment for the next tenant and making me cover the expense. I'm still a college student with limited money to spend. 
Thank You in advance, XXXX XXXX

Company response to consumer: Closed with explanation