vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received XXXX emails on XX/XX/XXXX confirming that my new accounts were opened. I never authorized these accounts. There is a freeze on my credit report which means these accounts were opened without proper verbal approval from me. Confirmation numbers : XXXX - account ending in XXXX XXXX - account ending in XXXX Since then, the account ending in XXXX has been closed. But, the checking account ending in XXXX has not. I received correspondence in the mail from Bank of America requesting that I send in information including my social security number and other documents to " Identify that I am who I say I am '' to prove that this account was opened fraudulently. Bank of America already mishandled my personal information once and I don't feel comfortable sending them that information. They had no issue opening a checking account and issuing a debit card before they were able to " identify that I am who I say I am ''. 

I have since received XXXX separate notices that checks are trying to be deposited into this account and other banks are alleging that fraudulent activity is being conducted in my name. This account MUST be closed.

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
As of XX/XX/26 my bank account has been locked. USAA claims it is fraud while all my deposits and purchases are clearly identified on the transactions page as well as me calling them and verifying myself.

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 2022-12-28 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I was wrongfully XXXX  with a collection for {$500.00} from my previous apartment complex that they have admitted to XXXX XXXX  on time and time again. They have given me sufficient information that I have passed on to Experian that admits they made a XXXX XXXX  and that this collection should have never ended up on my report. They have also reached out to the collection agency and explained to them what happened and have assured me that all the necessary steps have been taken.. However, every time I get new info I submit a dispute on Experian and every time they side with the collection agency. They know what they are doing is wrong and they do it anyway, Experian needs to take a closer and better look at the facts and fix this fraud collection. I've disputed this 5 times a this point and every time they just notify me that it " will remain on my report ''. I have given them everything they need to justify it shouldn't have been added to my report in the first place. Not to mention, if you can read my previous complaint, I was never notified of the collection by the collection agency nor was it ever validated.

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 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD

Complaint narrative:
TIDEWATER motor finance company said they were still working on my case but they repossed my car yesterday XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NY

Complaint narrative:
CORRECT INCORRECT INFORMATION ON ACOUNT XXXX XXXX XXXX # XXXX 15 U.S. Code 1681a INDICATES THAT THERE ARE Exclusions, the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;, XXXX DAY LATE PAYMENTS MUST BE REMOVED FROM CREDIT PROFILE.

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 2022-12-28 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: NY

Complaint narrative:
CORRECT INCORRECT INFORMATION ON ACOUNT XXXX XXXX XXXX # XXXX 15 U.S. Code 1681a INDICATES THAT THERE ARE Exclusions, the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;, XXXX DAY LATE PAYMENTS MUST BE REMOVED FROM CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I've had a milestone credit card which I've paid in full. I have reached out to milestone on numerous occassions in regards to the inaccuracies of this account. From which they informed me that it would be taken care of and I should see it updated on my credit report the next time they submit it to the credit reporting agencies and this was in XXXX and still nothing has changed. I have been denied credit due to this harm, because they didnt do what they promised to do. I have the updated bill stating my balance is XXXX. I'm beginning to lose faith in the banking system completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have spoke with wellsfargo about overdraft protection, the stated that I had overdraft protection on my account, they are allowing money to come from my account when there is nothing there, but I have been hit XXXX times in XXXX day with overdraft fees. The most recent date has been XXXXXXXX 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 2022-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I had a small account with Affirm to pay 4 installments for shoes from XXXX. The shoes were paid off as expected but afterwards money continued to be withdrawn from my checking account under the name XXXX XXXX XXXX. The prior account with them was withdrawn without listing my name on my statement. I did not realize that odd amounts were steady being withdrawn from my checking account until the latest withdrawal on XX/XX/XXXX. My bank reimbursed the past 2 months of charges, but I have not received a response from Affirm for the remaining money fraudulently taken from my account since XXXX, XXXX. I sent a letter to Affirm which they received on XX/XX/XXXX by XXXX XXXX. The account number for this was given to me by a customer service representative, but I was unable to file a complaint online because something did not match. For that reason i chose to send documents to Affirm XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. Number given to me was XXXX. I do not have an active account with Affirm since purchase of shoes from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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:
see the documents that I attached here. I want you to help me investigate and remove the late payment remarks on my credit report that should not be late payment at all.

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 2022-12-28 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:
Good morning! In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my consumer rights. please help 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Your are violating my rights with incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY

Complaint narrative:
I have been referred to a collections agency for services rendered by a XXXX  in 2020. At the time, I was unemployed as a result of the COVID-19 shutdowns and therefore eligible for and covered by XXXX. The XXXX  was aware of my insurance coverage and indicated that they would bill XXXX for the rendered services. Unfortunately, it appears that they did not bill XXXX for over a year after my visit, so their claim was denied. I was informed by XXXX that I am not responsible for the charges associated with this visit, but the XXXX XXXX referred me to a collections agency nonetheless. I have previously written them several letters explaining the error on their part, but they have been unresponsive. I ask for assistance regarding this matter. I am deeply concerned that my credit will be negatively impacted by this referral to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2022-12-28 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: American Credit Acceptance, LLC
State: MI

Complaint narrative:
I paid my car off and its still showing on my credit report its making it hard for me to get a new car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-12-28 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: NC

Complaint narrative:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: GA

Complaint narrative:
Applied to purchase a XXXX XXXX CD from XXXX XXXX. The application was declined with no reason. Contacted bank. Spoke with a person named XXXX who indicated she was the final authority on all questions and complaints. She indicated the bank does not have to disclose why they refuse to sell a CD. I feel as though I was discriminated against due to my age ( retired ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I got scammed by a so called XXXX  account. 
Amount : {$12000.00}. 
After sending out a bunch of emails with no results. 
I decided to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: AZ

Complaint narrative:
Experian is reporting fraudulent inquiries to which received no benefit from.

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft and I want to remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
MOHELA is not giving me credit for XXXX years of credible federal public service for my recently consolidated loans with them. I have made qualifying payments for over XXXX  years and they are not correctly applying them for my loan forgiveness. I have reached out to them several times and they will not correct the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 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: AZ

Complaint narrative:
Equifax, is reporting fraudulent inquiries to which I received no benefit from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NY

Complaint narrative:
CORRECT INCORRECT INFORMATION ON XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a INDICATES THAT THERE ARE Exclusions, the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;, 60 DAY LATE PAYMENTS MUST BE REMOVED FROM CREDIT PROFILE.

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 2022-12-28 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A unauthorized wire transfer of {$8800.00} was taken out of my account no one confirmed it with me or sent me an approval code or anything and the bank is just telling me my money is just gone

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 2022-12-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been a checking account customer of Wells Fargo since they merged with XXXX XXXX  in XXXX. 

Before the merger, if my account ever went into the negative, the account would stop payments until I brought it back into the positive. 

After the merger, the overdraft fees started happening. 

I struggled from XXXX to around XXXX. I had a system when I knew I wouldn't be able to afford everything for the month. I would make all my small purchases first and wait til the last minute to pay my rent... so I'd only get XXXX overdraft charge a month. The problem is, it rarely worked that way. Somehow the bank would save the multiple small purchases and incorrectly post the transactions AFTER the large transaction. The result was always multiple {$34.00} overdraft charges instead of XXXX. This happened practically every month. XXXX month I remember XXXX overdraft charges ( {$340.00} ). 

I complained to managers at the local branch Wells Fargo XXXX, but they would send me on a wild goose chase and I was never truly heard. I knew it was criminal, but no one was listening. I don't know the total amount STOLEN from me, but the mental toll was immeasurable.

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