vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made a check deposit at Wells Fargo ATM XXXX in XXXX location on XX/XX/2021 XXXX XXXX. I printed the receipt which says the funds will be available on XX/XX/2021. I knew it usually takes 2-3 business days for funds to clear up. At the end of the second business day i.e XX/XX/2021, I called Wells Fargo Phone Customer service about the deposit and if there were any issues. I was told by the agent that she could not find any information about the deposit. 

I called the check issuer to verify the validity of the check and they told me check is valid and should there be any issue, bank could call the number on the back. I was assured. 

I went to the same branch location where i had deposited the check at the same branch 's ATM. One of the Wells Fargo Employee helped me with the issue. What he told me what had happened really shocked me. He told me that the ATM or system read the same check twice, crediting me twice the amount of the check. He also said that later they fixed it by removing one of the reading, or say they made a correction to erroneous deposit. 

While they were supposed to take off just the copy of that check, my original check was took off too. Technically there was no deposit as during correction they managed to wipe the original entry for the check too. 

Now I don't have the money when i need it and the bank told me i'll have to wait 10 days at least to hear anything from them. I had plans. I had payments due. My life is miserable now since i don't have the money. The Wells Fargo bank just took my check and my money and pretty much left me to starve. 

I am worried. I am stressed. I am gon na have a lot of troubles because i don't have the money. I don't have the money because some bank didn't do what they are supposed to. Now whatever their reason may be, I feel like my money is being held XXXX when it should be freed to me. 

If they keep my money for 10 days, how much interest would they pay me? XXXX. Will they compensate for my fees that will incur because of this? No. 

That is why I have to make this complain. I hope this finds some resolve. Thank you.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have followed up with two Affidavit of Truth to try and bring this litigation to an end before going to court for defamation of character. My consumer rights are being violated.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Mortgage company ( citzens bank ) did not credit my mortgage payment, that I paid a few days earlier. I had proof and obviously they could see I paid on time. The problem was no one could help after multiple attempts to get someone help fix their mistake.

I finally got a hold of someone, who knew what the mistake was, unbeknownst to her, she did not understand why it happened. I finally was credited for the payment I did make on time.

Today I went in to check my Credit score And mortgage company had sent a missed payment on the mortgage that I had paid. I have bank statement showing no late payments. How do get this fixed Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
FBCS collection company sent me a collection notice and claim i owe {$810.00} to XXXX XXXX XXXX. I was able to get them both on the phone and verified that i do not owe any money to them and they never had a patient with my name. I sent letter to FBCS asking for a bill and so far they refused to produce verification of the debt. In the mean time im sick and tired of the letter and phone calls. please have them stop and produce proof. They are obviously breaking the law and harrassing me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX XXXX about my Chase account ending XXXX, XXXX, XXXX, XXXX being moved to California from NJ without my permission and a clear violation of my privacy and confidentiality. The branch manager is XXXX XXXX and district manager XXXX XXXX. My information XXXX XXXX and my XXXX kids XXXX, XXXX and XXXX XXXX - SSN, bank balances, account information was given to my ex-father in law XXXX XXXX, ex mother-in-law XXXX XXXX and XXXX XXXX XXXX - we have been divorced on XX/XX/XXXX. We have ongoing criminal case for child abuse in the NJ court and disclosing my financial information to them is very detrimental to the life and safety of me and the kids. My entire financial assets are in Chase and breaching my privacy and confidentiality is a clear violation. This is a clear violation of my privacy and a breach of my confidentiality. I want my account back in XXXX NJ and restricted from viewing from any branch outside XXXX NJ. I would like to be compensated {$7500.00} for the trauma and stress endured by disclosing confidential information and XXXX to XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I received a bill from XXXX XXXX XXXX XXXX for medical procedures in the amount of {$240.00} I paid the debt on XX/XX/XXXX and have a credit statement to prove it. Apparently it had been sent to debt collectors : Transworld Systems INC prior to that. Since then I have received multiple correspondence from them trying to get me to pay the debt. 

I called XXXX XXXX XXXX to confirm my account was paid in full on XX/XX/XXXX. 
On XX/XX/XXXX the billing department called and confirmed that my account was paid and that they would contact the debt collectors to tell them. 

On XX/XX/XXXX I received a debt collection notice for {$240.00} dated XX/XX/XXXX stating : " It has been our experience that much of the debt assigned for professional collection is resolved before it reaches this stage in the collection process. This matter, however, has not yet been resolved ''. 

I called XXXX XXXX and Transworld Systems INC to dispute the claim with no success yet. Again -- this debt is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was a resident at XXXX XXXX from XXXX and had made numerous complaints and requests concerning a neighbors barking dog at all hours of the day and night. Per their policies, tenants are responsible for their pets causing unnecessary noise and large dogs are forbidden on complex grounds. This was a very large aggressive XXXX that barked and howled repeatedly. I made numerous complaints to the management and even attempted to contact the owner of the dog. The management instructed me to write a letter stating the nature of the complaint in order for to take legal action against the owner of the dog. I even contacted the local Animal Control ; their contracted security personnel and repeatedly visited the office concerning this issue. After my letter was written, the management took no action against the owner of the dog. I am a XXXX veteran with XXXX and my VA appointed phycologist wrote 2 letter for me to get an emotional support animal due to the stress of this dog causing me lack of sleep and a poor quality of life. My lease came due and I initially refused to renew my lease and then the management stated they would move the owner and dog across the complex which they did not follow through. With my doctors letter and for my sanity, I moved out of the complex. This was discussed several times after my move with the owners of the apartment complex, which resulted in nothing being done.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I was a resident at XXXX XXXX from XXXX and had made numerous complaints and requests concerning a neighbors barking dog at all hours of the day and night. Per their policies, tenants are responsible for their pets causing unnecessary noise and large dogs are forbidden on complex grounds. This was a very large aggressive XXXX that barked and howled repeatedly. I made numerous complaints to the management and even attempted to contact the owner of the dog. The management instructed me to write a letter stating the nature of the complaint in order for to take legal action against the owner of the dog. I even contacted the local Animal Control ; their contracted security personnel and repeatedly visited the office concerning this issue. After my letter was written, the management took no action against the owner of the dog. I am a XXXX veteran with XXXX and my VA appointed XXXX wrote 2 letter for me to get an emotional support animal due to the stress of this dog causing me lack of sleep and a poor quality of life. My lease came due and I initially refused to renew my lease and then the management stated they would move the owner and dog across the complex which they did not follow through. With my doctors letter and for my sanity, I moved out of the complex. This was discussed several times after my move with the owners of the apartment complex, which resulted in nothing being done.

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 2021-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: COMMERCE BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX TX. In early XXXX I went into the dealership to cancel my auto warranty I had purchased on my car. I signed a legal document stating that I had cancelled my warranty. I was told that XX/XX/XXXX a refund check was issued to Commerce Bank for my auto warranty that I was cancelled. I tried to get ahold of the dealership multiple times because the warranty refund never posted to my account. I finally got ahold of the salesman on XX/XX/XXXX, that sold me the car, and he told me that the dealership went out of business and that the owners and higher ups of the company are not answering anyone 's phone or giving answers to employees. XXXX XXXX was the financing manager that processed my cancellation and refund. The original cost of the auto warranty was {$2100.00}. I was told a prorated amount around {$1900.00} would be issued to my account. I purchased the car on XX/XX/2020. I am requesting investigation into the reasoning my refund check was never sent to Commerce Bank or never processed, along with the shady practices of XXXX XXXX XXXX XX/XX/XXXX management and owners. XX/XX/XXXX is the company in charge of my auto warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
Caliber Home Loans charged my bank account {$1600.00} and I do not have an account with them. My bank ( XXXX ) is now holding the money until it is no longer pending. They would not tell me if the customer used my name also along with my bank account number, which is basically protecting a criminal or themselves for a mistake. I think they should be looked into for allowing criminal activity or negligence with large sums of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I Sent in dispute letters for unverified information on my credit profiles for all three credit agencies. none of the agencies informed me of a pending investigation for any items, and it has been over 30 days. I have sent in a letter demanding the erroneous items that werent investigated and/or verified within the allotted 30 days are deleted.

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 2021-03-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In route of me wanting to dispute information on my credit report via telephone, Experian app and online ( Experian.com ) I can not see a newly refreshed report since XXXX ( XX/XX/XXXX ). There is information that needs to be removed and updated as far I can see on my end.

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 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2021, someone used my debit card at XXXX making two separate purchases totaling {$1100.00}. I reported the fraudulent card use to the Bank of America that same day and they canceled my card and temporarily refunded him the {$1100.00} ( pending their internal investigation ). 

I have never received the replacement debit card and I believe the card was stolen from the mail on XX/XX/2021. Someone activated his replacement debit card and used it to make 16 separate XXXX  currency purchases and money transfers totaling {$6500.00} between XX/XX/2021 and XX/XX/2021. ( Using XXXX, XXXX and XXXX  ) I noticed it on XX/XX/2021 and immediately notified Bank of America requesting the card be canceled and opened a claim. ( Claim ID : XXXX ) I have my PIN memorized myself and never share the PIN with anyone. I did not authorize anybody to use my debit card. 

BOA rejected the claim on XX/XX/2021 and the reasons were following. 

The charge was authorized by you or by someone who has permission to use the card. 

BOA didn't provide any documents why they made this decision even after I requested several times. These transactions were not made by me and I didn't give my PIN or permission to anybody. On XX/XX/2021 I wrote a letter to BOA and faxed it to BOA. On XX/XX/2021, I wrote a second letter with more details and faxed it to BOA with FTC identity theft report. 

On XX/XX/2021, BOA again rejected my claim with the following reasons. 

We didn't receive the information we requested from you or it was incomplete. If you have the information we need for your claim, we request that you send it to us in the next 10 business days so we may reopen it. 

BOA could not tell me what more information they requested or what was incomplete. Different agents are telling me two different stories but one agent told me that there is no more document required. 

I filed a police report for theft and FTC report for identity theft.

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 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
ON XX/XX/XXXX RECEIVED LETTER FROM XXXX XXXX , XXXX ABOUT DEBT FROM LVNV FUNDING, LLC. RESPONDED WITH A DISPUTE LETTER TO VALIDATE DEBT, RECEIVED NO RESPONSE ON XX/XX/XXXX RECEIVED LETTER FROM RESURGENT CAPITAL SERVICES REPRESENTING LVNV FUNDING, LLC RESPONDED WITH A DISPUTE LETTER TO VALIDATE DEBT WITH MY SIGNATURE THAT I OWE. THEY DIDN'T VALIDATE DEBT. 
ON XX/XX/XXXX RECEIVED A LETTER FROM XXXX  XXXX XXXX XXXX XXXX. REPRESENTING LVNV, RESPONDED WITH DISPUTE LETTER TO VALIDATED DEBT, RECEIVED NO RESPONSE. 
ON XX/XX/XXXX RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX STILL REPRESENTING LVNV. RESPONDED WITH A LETTER ASKING AGAIN TO VALIDATE DEBT. 
ALL OF THESE COMPANIES ARE AFFILIATED AND HAVE BEEN INVOLVED IN A CLASS ACTION SUITE IN THE STATE OF NEW JERSEY. 
THESES COMPANIES HAVE HARASSED ME IN A THREE MONTH TIME PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Client Services, Inc.
State: FL

Complaint narrative:
Creditor : XXXX XXXX Amount : {$200.00} Open : XX/XX/XXXX Contacted by Collection company to collect debt and I let them know I would like to get this negative account taking care by paying them and in return to turn this bad debt into a positive debt by updating this the account as paid and remove the negative notation. The rep made me believe once I make the payment to settle this account will reflect positively so I went on and paid the settlement for this account and another XXXX  XXXX I had with a different collection agency. So the account now said paid but the negative notation is still there as charged off and with a Remark of Payment after charge off which is hurting my score I felt like I was taken advantage of. I want the account to be updated by removing these bad notes as the collection company representative made me believe. 

Creditor : XXXX XXXX Amount : {$400.00} Open : XX/XX/XXXX Contacted by Collection company to collect debt and I let them know I would like to get this negative account taking care by paying them and in return to turn this bad debt into a positive debt by updating this the account as paid and remove the negative notation. The rep made me believe once I make the payment to settle this account will reflect positively so I went on and paid the settlement for this account So the account now said paid but the negative notation is still there as charged off and with a Remark of Payment after charge off which is hurting my score I felt like I was taken advantage of. I want the account to be updated by removing these bad notes as the collection company representative made me believe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I sent of a dispute letter on XXXX stating how these companies are in violation of my consumer rights under the FCRA 15 usc 1681. This was an infringement of privacy nor did i give consent for any of this information to be furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is in reference to XXXX XXXX XXXX. 
There is a collection with XXXX, XXXX  and Trans Union concerning a loan that I had with XXXX XXXX. The collection was on my credit report for 7 years and was removed because of the time frame had expired. By law, they had to remove this collection and was removed in late XXXX or early XXXX. It has since been re-established on my credit reports as of XX/XX/XXXX. 

I believe this is a flagrant and intentional violation of Federal law. I am requesting you look into this issue on my behalf and hold the company responsible for their error.

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 2021-03-05 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This is in reference to XXXX XXXX XXXX 
There is a collection with XXXX, Equifax and XXXX XXXX concerning a loan that I had with XXXX XXXX. The collection was on my credit report for 7 years and was removed because of the time frame had expired. By law, they had to remove this collection and was removed in late XXXX or early XXXX. It has since been re-established on my credit reports as of XX/XX/XXXX. 

I believe this is a flagrant and intentional violation of Federal law. I am requesting you look into this issue on my behalf and hold the company responsible for their error.

Company response to consumer: Closed with explanation