vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I issued a Webster business check with check number XXXX in the amount of {$5200.00} to XXXX XXXX XXXX on XX/XX/2022. The check did not arrived to the payee, instead it was intercepted by the hacker and cashed the check with the wrong endorsement/person by the name of XXXX XXXX XXXX XXXX XXXX of the check attached ), even though the check payee was XXXX XXXX XXXX. Webster bank went ahead and it was cashed by the bank on XX/XX/2022. Webster bank cashed the check even though its a wrong endorsement and they didn't do any verification process. 

Upon noticing the transactions online, I made the complaint to Webster bank since XX/XX/2022 ( attached copy of affidavit ). I continuously followed the status with the bank but Webster bank kept saying it was still on process ; officers name of the bank is XXXX XXXX tel XXXX XXXX branch. I firmly believe they do not know what was going on because it was being passed around to different departments of the bank and they don't want to give me any information regarding who is investigating my case. It has been 122 days ( 5 months ) from now and I'm not getting any response from the bank if there is any action being taken. I was told that I will be informed between 4 to 6 months re : the status of the fraudulent activity on my business checking account. Webster bank froze my checking account and yet they keep billing me for monthly fees of {$5.00} dollars a month Webster is unresponsive and not being helpful in resolving the fraudulent activities from my checking account. The amount of money is causing financial burden to my business obligations. I need the help in resolving this problem. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/2022, PNC Merchant Services charged my checking account {$140.00} for a lease of merchant services equipment that was returned back to PNC Merchant Services on XX/XX/2022. The lease for the equipment was expired and equipment was returned properly. The charge for the equipment lease for XX/XX/2022. When calling PNC, PNC would not allow the transaction to be disputed because it was internal PNC matter. However, PNC noted that the equipment was returned and the lease was fully terminated. PNC stated that the transaction can not be reversed due to it being an ACH transaction being paid to PNC. PNC also allowed the transaction to occur even though the amount of the transaction brought the account to a negative balance. Under agreement, PNC should have returned the transaction instead of letting it process. 

In addition to being charged the lease amount, PNC also charged {$36.00} for insufficient funds for a transaction that should have happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Called XX/XX/XXXX to request refund timeframe that I was told was 60 days. Called several times to follow up and I was told several times that request has been submitted. I called again XX/XX/XXXX way past 60 days only to be told that request wasnt properly submitted and now will need to reset the clock and will take another 90 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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 with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have a right to privacy.

15 U.S.C 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-12-23 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: IN

Complaint narrative:
By the fair credit reporting act, XXXX XXXX Account has violated my right 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section 2 also states a customer reporting agency can not furnish an account without my written consent 15 USC Code s1681 A definition of rules of construction exclusion except as provided in paragraph the term consumer report does not include any report containing information solely as to transaction or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
During the summer of XXXX, I had XXXX XXXX payments and more coming due to the limited waiver. I consolidated my loans in XXXX and received XXXX letters from MOHELA, XXXX on XX/XX/XXXX that showed only XXXX qualifying payments and then the next day on XX/XX/XXXX, i received another letter with XXXX! 
MOHELA is mismanaging the XXXX program. I should have almost XXXX payments and now they are reporting XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: CA

Complaint narrative:
Transunion is failing to delete reports on my credit report that i dont have a contact with.. my personal information was sold to several different debt collectors without my consent and it violates the California Consumer Privacy act of 2018. I have no contact with any of the people listed on my credit report. None of them validate the debt when I requested it. I have no obligation to pay any of those people by law and all are committing fraud when they received my personal sensitive information My home addresses My birthday my social My email and phone number I have no written contact, i can only be bound by a contact. None of the original debtors have permission to give out or disclose my personal sensitive information. This all happened in California none of the contact with the original creditors where done outside of California all these debts occurred after the privacy act was established Im not bound or secured to any contact to pay anyone.. creditors have agreed to delete account but Transunion has not done so and should be held accountable

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 2022-12-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
This collection company is called XXXX XXXX XXXX IN. The original creditor is XXXX XXXX Apts XXXX. This agency continues to violate my fair credit reporting act.By continually reporting different amounts owed. Please help me on this matter. My next step after this resolution is to seek counsel

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC.
State: TX

Complaint narrative:
BC Services XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO XXXX has inconsistent communications of monthly statements of remaining amount owed. Their payment portal is not consistently accessible the website provided XXXX has an error message that the website doesn't exist and the other website XXXX XXXX XXXX has XXXX name that is associated with the account numbers. When I started making monthly payments the husband that I'm separated from that has no obligations to the accounts name was on the accounts. I've sent monthly payments for a few years. Several of the debt " accounts '' have gotten paid off. I'm making the effort to pay the debts.

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 2022-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I was hit by a tornado on XX/XX/2022. I had received no insurance money and had to dip into my own annuity for XXXX which I was earning 4 % interest not to mention the taxes I paid for that withdrawal and drain my savings account to get the construction done for my house to be livable again. My insurance company went out of business, the insurance commissioner then turned it over to another insurance company who screwed the whole thing up so my insurance commissioner turned it over to another insurance company called XXXX XXXX  They treated me wonderfully. I did everything needed to get me my money reimbursed and sent the insurance checks to XXXX XXXX in early XXXX. I received two checks from XXXXXXXX XXXX with my name and my mortgage companys name which at that time was XXXX XXXX  I signed the checks and sent them to XXXX to be counter signed. They held onto it for about two months, and then sold my mortgage off to Freedom Mortgage along with my checks and everything that backed up my losses. I have begged Freedom Mortgage to release my checks and they continuously ask me for more and more information that has already been provided. They are holding up two checks of mine XXXX. One for Dwelling - XXXX and the other for Other Structures - XXXX. They have drug this out for the three months theyve had my mortgage not to mention the time it was held up by my previous mortgage company ( XXXX XXXX ). I have recently been diagnosed with XXXX XXXX, and Im going through treatment and can not even afford my medical bills. I took money out of my own pocket to pay for repairs which an insurance company should have handled without involving a mortgage company such as these two. I even spent money to get a document from my clerk of courts office in XXXX XXXX XXXX to show that I have no liens on my house only a mortgage.

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 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MI

Complaint narrative:
I was falling behind on my bills and reaching out to each creditors to enroll in a program to avoid damage to my account and credit reporting. I enrolled both Discover accounts on XX/XX/25. I was offered a new payment amount for the next few months to get through the hardship. I was alerted that my accounts were reported as delinquent and called to find out how it happened. The representative was wonderful. She did say that the payments offered came through but they werent enough to address the past due. The issue for me is that one account was a XXXX payment but it really should have been XXXX to avoid reporting. Since I didnt come up with the offered terms myself, I find this to be a little misleading. I certain would have increased my payment to avoid negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX. I have no other variations or spellings. 
My address is XXXX XXXX XXXX XXXX XXXX XXXX. I have no other address nor have I ever.

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 2022-12-23 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: 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. 
Account name : XXXXXXXX XXXX XXXX  XXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name : DPT EDXXXX # XXXX, Account name : DPT ED XXXX # XXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK
State: PR

Complaint narrative:
This card was aquired at a time I was married to the mother of my children. She had used it on different occasions and I decided to fille for bankrupcy at the time and the credit cards where in the audit. I had this mention to the credit card company thus they terminating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX I received A call from Wells Fargo asking if I was in XXXX XXXX due to suspicious activity I said no and hung up the phone the next day I woke up and saw over {$6000.00} was drained out of my account they withdrew {$200.00} at an ATM {$800.00} at another ATM. Then spent {$2900.00} at food lion then {$2900.00} at another food lion. As soon as I saw this I called the Wells Fargo fraud department and reported it as well as called my local police department. The fraud Department said it would take from 7 to 10 business days and after I received a letter from them saying the investigation was over after seven days they told me that they saw no report of fraud on my account and they could not tell me what they saw or why they can not see fraud. Then I went to the bank and they told me to handle it with the fraud department and they cant do anything.

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 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Management Corporation
State: SC

Complaint narrative:
XX/XX/2022, notified Regional Finance Company by mail with return receipt requested # XXXX. Debt was remedied by a XXXX and all documents were Notarized. I also sent a Conditional Acceptance Letter Value for proof of claim, a Letter to the Creditor, and a Remittance letter. After repeated calls harassing me for another payment I forwarded it to the Corporate Office CEO and added Cease and Desist letter informing the debtor that I was aware of the debt being " Paid from my XXXX XXXX Trust '' while I paid it again with a XXXX which was also included in in the documents. I am receiving phone calls daily repeatedly and mail requesting payment approximately once a week. This is harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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 with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have a right to privacy.

15 U.S.C 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have a right to privacy.

15 U.S.C 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My account had activity that was fraudulent. I reported the activity and even stated that I did not make those transactions. Claim was processed and approved but there was still a hold on my account. My question is instead of keeping a relationship with your customers why do you guys close accounts when it has nothing to do with us that fraud has occurred. If they investigate and see that it was fraud why close someones account and then I need the money. I wouldnt file a claim if I didnt need the money. I live a normal life. They let the folks withdrawal the fake check and take my money but wont let me even use the funds that was credited back. Thats backwards. Like why have a fraud team if the goal isnt to help keep customers.

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