vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made a mobile deposit ( REF # XXXX ) of an insurance check, I believe Sunday this past weekend. Received a notification that {$200.00} something would be immediately available and the rest released upon the check clearing. Being the weekend, the check would be processed on Monday, XX/XX/2024. Well ... on XX/XX/2024 I was negative in my account because they released NO money. I called WF this morning XX/XX/2024 at approximately XXXX CST and was told that they received an error with a note to contact the issuer of the check. So I hung up and called my claims rep who informed me that didn't make sense because she could see where the check cleared on her end. She then sent me a copy of the cleared check. I called WF back ( approximately XXXX CST ) and the first person I got read me the standard, all checks are put on a hold, which was in direct contradiction of not only what their app said, but what the former rep had told me. I requested to be transferred to a supervisor to which he stated it wouldn't do any good bc his supervisor would tell me the same thing. He proceeded to speak over me, at which point, I admit I lost my temper and yelled and cussed. He put me through to XXXX XXXX XXXX who refused to provide any further identifying information. XXXX XXXX infact did repeat the same exact incorrect info, but also stating I needed to contact the issuer of the check, completely ignoring the fact I told him I already had and they paid the check. He refused to transfer me to his supervisor. I hung up on him and found a number to file a complaint with Wells Fargo. The lady I spoke with, XXXX, took my information, but also was not able to explain why the check would have cleared the other bank yet throw an error on our end. I can expect someone to call me back in 48 hours to discuss the matter and expect a resolution in 5-10 business days. Utterly unacceptable. 

What Wells Fargo appears to be doing is implementing a policy of placing a ten day hold on all large or insurance checks for 10 days in which they can earn interest on the money. Money that adds up when multiplied by the millions of customers they are doing this to on a daily basis. So Wells Fargo is illegally holding customer funds and not dispersing them. XXXX didn't send my funds out into the XXXXXXXX XXXX. Wells Fargo has my funds XXXX. They received them when XX/XX/2024 funds were processed. Yet they are refusing to release my money, leaving my account in a deficit. 

The fact they can not put a customer through to someone that can actually address this issue is unacceptable.

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 2024-04-02 00:00:00
Product: Credit reporting 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: MD

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.

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.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
The following information attached to this complaint is a formal request for the permanent removal of the following accounts due to a lack of response from the corresponding creditors of each inaccurate or incomplete account after reinvestigation : Account Name : XXXX XXXX  ; Type : Installment - Account # XXXX Account Name : XXXX XXXX ; Type : Installment - Account # XXXX Account Name : XXXX XXXX ; Type : Installment - Account # XXXX Account Name : XXXX  XXXX ; Type : Installment - Account # XXXX Account Name : XXXX XXXX ; Type : Installment - Account # XXXX I attempted to verify these debts and received NO RESPONSE from the above companies ( see attached proof of this verification. ) According to FEDERAL LAW, creditors have XXXX  days from the date of my request to validate the debt and they failed to provide any information concerning this debt. These debt are NOT mine nor can they or have they been verified as factual or accurate and need to be removed immediately from my credit report. 

You have XXXX  days to remove the above mentioned accounts. In the event that you continue to list the disputed items on my credit report after XXXX  days, I will find it necessary to file suit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my residency county and state as jurisdiction to bring appropriate action against your company.

I look forward to an uneventful resolution of this matter.

Thank You in Advance.

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 2024-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Was notified via email that my savings and checking were below my trigger balance. Checked accounts and they were put on holds with XXXX balance available to me. Called bank, they told me I had the same name as a deceased person. Took until late morning the following day, XXXX long phone calls from me, missed work, and much stress until they resolved their mistake. This happened on XX/XX/24. On XX/XX/24, I checked my on line accounts ( was payday ) and was denied access. Called Bank of America again, was related to same case, they got the death certificate and were closing my accounts. Hours of phone time and more stress, no real answer as to how it happened again. Had to re open my accounts. Asked to speak with a manager. Was on hold most of an hour and XXXX minute call only to be told they would call back in 1 to 2 business days. No call ever came. The issue was resolved again but no answers or the common curtesy of management call. So I called them. After another XXXX minutes of person stalling with me on the phone, I gave up on speaking with management.

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 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/2024 I noticed a pending transaction in my USAA checking account for {$300.00} to XXXX XXXX XXXX XXXX. I immediately contacted my bank for stop payment and to freeze my debit card. I was told the whoever this company was they had my account number and routing number and not my debit. USAA started a fraud review, and I requested a dispute on the transaction, since I do not know who this company is and have never given XXXX XXXX my account information or authorized them to charge me for any product or services. I searched the web and found that there's an XXXX XXXX XXXX in North Carolina and an XXXX XXXX XXXX XXXX in XXXX, Florida. I emailed both and had no response except one failed mail delivery for the email provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CARD Corporation
State: CA

Complaint narrative:
Received a debit card and account information from CARD.com on XX/XX/year> that I have not signed up for or in any way authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC SYSTEM is in violation of FDCPA and is attempting to collect an alleged debt.I demand debt validation for the alleged debts listed below. 
IC SYSTEM- {$1300.00} IC SYSTEM- {$510.00} Provide me with debt validation with demands below of alleged debts! 
1 ) Original Creditor 2 ) Balance of the alleged debt and how that balance was obtained 3 ) Full Account Number for alleged debt 4 ) Date accounts were opened 5 ) Full Social Security Number of alleged account holder 6 ) Contracts of alleged debts with wet signatures between alleged debtor and your company IC SYSTEM.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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.

has violated my rights. Or a list of inquiries : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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.

has violated my rights. Or a list of inquiries : 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.

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 2024-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I wanted to purchase home cleaning supplies from online store. When I was going to make payment they requested XXXX. I send them 3 payments for 3 purchase and they were saying they did not receive it. I realized this sounded suspicious and I called my bank Citibank right away. They put a claim, but were only able to get 1 payment back and denied the other two. This was very upsetting as I called right away. Please can I get help to get my funds back.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DHI Mortgage Company
State: TX

Complaint narrative:
XXXXDHI MORTGAGE Inquiry : XXXX XXXX, XXXX  Company made multiple inquiries on my credit reports ( XXXX, XXXX and XXXX ) without my consent or due error. I request they be removed from my credit reports. since they significantly affect my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting 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:
I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

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 Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

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 Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.

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 2024-04-02 00:00:00
Product: Credit reporting 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: MD

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.

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.

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 2024-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: NJ

Complaint narrative:
Hello, I am being contacted by a debt collector for a dental debt that I do not owe, and I am not going to pay. 
I have contacted this dental firm twice in the past year telling them I am not paying this debt. 
Back at the end of XXXX I asked this dentist several times on the phone and in their office what was the final amount I would need to pay for a XXXX XXXX for me after the insurance portion and previous payments. The dentist office told me {$950.00}. 
I was told this by a clerk in their office who does billing by the name of XXXX at XXXX XXXX XXXX. 
The bill collector is saying I owe {$230.00} to XXXX XXXX XXXX. Never heard of them!! 

I am going to attach correspondence that I sent to XXXX XXXX XXXX twice in the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 Account NumberXXXX has violated my rights. Or a list of inquiries : 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.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have sent TransUnion several letters and proof of the inaccurate information reported on my credit profile and they refuse to change it. This has dropped XXXX points off of my credit score.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 Account XXXX has violated my rights. Or a list of inquiries : 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.

Company response to consumer: Closed with non-monetary relief