vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am an XXXX  with an XXXX account with Wells Fargo. I recently discovered that someone has been paying their phone bill with XXXX from that trust account. They are not authorized to do that. I am the only authorized signer on that account. I contacted Wells Fargo and I assume the money will be put back in my account. That is NOT why I'm contacting you. I asked Wells Fargo to set up my account so no further electronic withdrawals or transfers can be made from that account. They refused to do so, claiming that it couldn't be done. That is not true because XXXX XXXX  has that option on XXXX accounts. So it's not that Wells Fargo can't do it, it's that they won't do it. 
The purpose of this complaint is to get the CFPB to force Wells Fargo to allow customers with XXXX  accounts to lock out any electronic transfers/payments.

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 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXXXXXX I spoke with customer service at Bank of America in regards to making XXXX  payments and the protections should the transaction be fraudulent. I spoke with " XXXX '' ( XXXX : XXXX ) who incorrectly advised me that if fraudulent, I would be able to file a claim to get my money back. This was not the case Series of events XX/XX/XXXX XXXX XXXXXXXX I spoke with XXXX : XXXX ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX I spoke with XXXX : XXXX ( XXXX ) Following that call, the following XXXX payments were made on XX/XX/XXXX {$800.00} to " XXXX  '' {$600.00} to " XXXX  '' {$1500.00} to " XXXX '' and on XX/XX/XXXX {$1100.00} to " XXXX '' On XX/XX/XXXX I called several times XXXX XXXX  11 mins - To report fraud XXXX 3 mins - Voice mail XXXX 13 mins - XXXX department I believe XXXX 95 mins ( filing claim with fraud department On XX/XX/XXXX I also filed the following Complaint with Florida Attorney Generals Office Complaint with ITC3 Internet Fraud Police Report XXXX XXXX County Sheriffs Office , FL On XX/XX/XXXX I spoke with a XXXX of BofA to get information so I could file a complaint with BofA. XXXX confirmed the call history, and provided me the agent 's id. I was then told to contact XXXX XXXX in the Client Care Department to register a complaint XX/XX/XXXX I sent email to XXXX XXXX stating my claim. 

XX/XX/XXXX Spoke with a " XXXX '' from bank of america regarding my complaint. SHe told me she would research the call on XX/XX/XXXX to determine exactly what advice I was given. 

XX/XX/XXXX - " XXXX '' called back and said that the recorded call on XX/XX/XXXX does not exist and that there was no call history for my account prior to XX/XX/XXXX. This contradicts my phone records and the info previously provided to me in other calls to BofA. 

It is my firm belief they are not acting in good faith or with due diligence

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 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In the Code of Federal Regulations Under XXXX Billing errorresolution under C2 it statesC2 - The Creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.I openeda disputeagainstXXXX that was billed on XXXX XXXX in the amount of {$2000.00} on XX/XX/XXXX, I was credied the {$2000.00} on XX/XX/XXXX. I didn't hear from Capital One about this dispute and was rebilled on XXXX XXXX XXXX - XX/XX/XXXX is 106 days which is past the allowed 90 days by law. 
I didn't receivethe paperwork that Capital One states they sent out. This is not the first time I haven't receiveddisputed paperwork.

OnXXXX I receivedpaperwork from Capital One with conflicting info.Case numberon this page was XXXX, they state I opened the case on XX/XX/XXXX. This was a different case and they are mixing cases, see below..XXXX XXXX, XXXX I opened a disputeagainst XXXX for a purchase on XXXX in the amount of {$2000.00} I sent in paperwork and it was rebilled on May 11thMay 11, XXXX I opened up a different dispute against XXXX in the amount of {$2000.00} for the purchase on XX/XX/XXXX this was rebilled on XX/XX/XXXX, XXXX.They have the same case numbers on both disputes which are two different disputes.I have a picture of each dispute side by side and you can see it has the same case number XXXXOn XX/XX/XXXX I received a letter saying they receivedmy response which is a lie. I never sent anything in because I never received any paperwork for the {$2000.00} dispute.Capital One has done 3 things wrong and I would like a response to each 1. They are combiningtwo different cases2. I did not receiveMay XXXX letter of instructions to send in paperwork.3. It took 106 days to end the case which is more than the 90 days allowed. ( Capital One has never given an answer to why they took longer than 90 days ) My lawyers have reached out, Capital One sent me a letter with another Capital One different case number XXXX. I tried to give consentbut the rep didn't know what I was talking about and how to put it into the system. 
Under the Federal Trade Commission under Disputing Credit Card Charges it statesComplaints -You also can sue a creditor who violates the FCBA. If you win, you may be awarded damages, plus twice the amount of any finance charge as long as it's between {$500.00} and {$5000.00}, or higher amounts if a pattern or practice of violations is established. The court also may order the creditor to pay your attorney 's fees and costs. 
Capital One can contact me directly or through the CFPB. If this can not get settled then I will be taking Capital One to court for breaking the law. The law is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have written, called, and submitted evidence to ALL 3 credit bureaus stating the charge off accounts and inquiries listed on my credit report and of fraud. They have not removed these items even after verbally agreeing to remove them. They are consistently lying to me and I am fed up. I have been a victim of TRUE NAME IDENTITY THEFT AND THIS IS A NIGHTMARE! PLEASE HELP.

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 2021-11-08 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: TX

Complaint narrative:
I have written, called, and submitted evidence to ALL 3 credit bureaus stating the charge off accounts and inquiries listed on my credit report and of fraud. They have not removed these items even after verbally agreeing to remove them. They are consistently lying to me and I am fed up. I have been a victim of TRUE NAME IDENTITY THEFT AND THIS IS A NIGHTMARE! PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a dispute earlier last month and still see my report reflecting negative information on my personal profile. There are wrong addresses listed on XXXX and Experian. I would like these addresses removed immediately since they are incorrect. These are the addresses being reported on both " XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' this one on XXXX " XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX '' and this one on Experian " XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2013 '' I would like this information corrected right away.

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 2021-11-08 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: GA

Complaint narrative:
Bureaus have lied to me and not done due diligence to verify the account in dispute. There is a bankruptcy on my credit report that should have been removed. I have filed a letter with the United States Bankruptcy Court XXXX  District of Georgia office of Clerk, concerning this bankruptcy that is falsely being reported on my credit report. I received a response back from the courts stating that they did not report any bankruptcy to the credit bureaus and for me to contact a lawyer for further actions. With this bankruptcy that is being reporting on my credit report, has caused me and my family distress, and a financial hardship. I have tempt to send several letters to each credit bureaus requesting for them to update my personal information, concerning my address and employment but each credit bureaus refused to comply with my request. I have also requested for them to remove the bankruptcy out of each credit bureaus which they also failed to comply. I am being denied for business loans, personal loans and etc ... due to this bankruptcy being reported to potential lenders. With all I have done to try and get this matter resolved so I can move on with my life, the credit bureaus are still reporting false information on my credit file. I am now at the conclusion on filing a law sue with small claims court willful ennoblement of inaccurate/un-verifiable credit reporting, if this matter doesn't get resolved in the next 30-40 days. Thank you for your time and consideration and I look forward to getting this matter resolved as soon as possible.

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 2021-11-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXXXXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have sent in a different complaint explaining in greater detail however forgot to add this important page of information. This company XXXX when it bought out my loan form XXXX Mortgage was to honor the terms that had already been set forth and they have not. I was lied to by XXXX. 

I had bee told that My remaining XXXX payment ( I brought myself out of forbearance XXXX months earlier than needed to ) would be added to the end, the letter states that the partial claim has been approved and gives the payment amount of {$1200.00}. 

As I stated in my other letter I have not been able to make the payment until today when I had to pay {$1300.00} in order for XXXX to accept a payment on my account. moving forward even thought the notarized documents all are for the amount of {$1200.00} they insist upon {$1300.00}. I had a complain in my previous letter to you that I am locked out of my account and now today am told I will continue to be locked out until the next XXXX payment of {$1300.00} are paid, and then XXXX mortgage modification team will reevaluate whether or not to accept my deferent to payment the XXXX payments at the end of my loan or demand the entire amount past due all at once or foreclose on my home. I am attaching the letter sent to me that states at the bottom this means the original loas is brought current. So I ask why is it I stoll can not be allow to see my account and if I can not make those other XXXX payments until XX/XX/XXXX and XX/XX/XXXX, then I can not see my account online until then or if not longer than than. This company really needs looking into.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2021 I deposited 2 checks at Citi Bank totaling {$320000.00}. After 4 days my funds were still not available in my account. I phoned Citi Bank to find out why and was informed that the funds were flagged for fraud and they required more information. They requested the phone number associated with the maker of the checks. I provided them with the information but they told me that those weren't the phone numbers they found in their database associated to the business that wrote the checks. I spoke with the maker of the check and they confirmed I provided the correct number. Citi won't tell me what phone number they are trying to call and that is the only number they will use even though it is nearly not the correct number. I requested the funds be returned to the maker but they refused to do that as well and said they will hold the funds indefinitely until they can get in contact with the maker of the check through the number they have on file. This has been going on for 3 weeks and they still won't release or return the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 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:
Bureaus have lied to me and not done due diligence to verify the account in dispute. There is a bankruptcy on my credit report that should have been removed. I have filed a letter with the United States Bankruptcy Court XXXX District of Georgia office of Clerk, concerning this bankruptcy that is falsely being reported on my credit report. I received a response back from the courts stating that they did not report any bankruptcy to the credit bureaus and for me to contact a lawyer for further actions. With this bankruptcy that is being reporting on my credit report, has caused me and my family distress, and a financial hardship. I have tempt to send several letters to each credit bureaus requesting for them to update my personal information, concerning my address and employment but each credit bureaus refused to comply with my request. I have also requested for them to remove the bankruptcy out of each credit bureaus which they also failed to comply. I am being denied for business loans, personal loans and etc ... due to this bankruptcy being reported to potential lenders. With all I have done to try and get this matter resolved so I can move on with my life, the credit bureaus are still reporting false information on my credit file. I am now at the conclusion on filing a law sue with small claims court willful ennoblement of inaccurate/un-verifiable credit reporting, if this matter doesn't get resolved in the next 30-40 days. Thank you for your time and consideration and I look forward to getting this matter resolved as soon as possible.

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 2021-11-08 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: GA

Complaint narrative:
Bureaus have lied to me and not done due diligence to verify the account in dispute. There is a bankruptcy on my credit report that should have been removed. I have filed a letter with the United States Bankruptcy Court XXXX District of Georgia office of Clerk, concerning this bankruptcy that is falsely being reported on my credit report. I received a response back from the courts stating that they did not report any bankruptcy to the credit bureaus and for me to contact a lawyer for further actions. With this bankruptcy that is being reporting on my credit report, has caused me and my family distress, and a financial hardship. I have tempt to send several letters to each credit bureaus requesting for them to update my personal information, concerning my address and employment but each credit bureaus refused to comply with my request. I have also requested for them to remove the bankruptcy out of each credit bureaus which they also failed to comply. I am being denied for business loans, personal loans and etc ... due to this bankruptcy being reported to potential lenders. With all I have done to try and get this matter resolved so I can move on with my life, the credit bureaus are still reporting false information on my credit file. I am now at the conclusion on filing a law sue with small claims court willful ennoblement of inaccurate/un-verifiable credit reporting, if this matter doesn't get resolved in the next 30-40 days. Thank you for your time and consideration and I look forward to getting this matter resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
SWC continues to call me about an alleged debt to XXXX. XXXX never sent a final bill, and confirmed in person that my account was caught up once I returned their equipment. SWC has called an excessive amount of times, and has not submitted anything in writing, despite my request for them to do so. In fact, the last person I spoke to told me that they were not legally obligated to send anything in writing. I will not pay any alleged debt to SWC without written notice and verification of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I filed a complaint about this company on XX/XX/XXXX for reporting negative information that is older than 7 years on a background check. Now I have had to do a second background check for the same role, and they returned the exact same information. I will be taking legal action. 

I filed a complaint after the first background check which read : " First Advantage conducted a background check for a job offer I received. They returned a misdemeanor charge from XX/XX/XXXX, which is well past the 7-year cut-off. Even if judging by the disposition date of XX/XX/XXXX, the incident was still more than 7 years ago. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2021 ELAN FINANCIAL SERVICE and agent for ELAN FINANCIAL SERVICE XXXX XXXX stated they received my written correspondence. I sent ELAN FINANCIAL SERVICE the following documents : an Affidavit of Truth, Cease and Desist, Invoice, and Exhibits showing the violations. I was notified via certified mail return receipt that Elan Financial Services had received the documents detailing the dispute. ELAN FINANCIAL SERVICE acknowledges they received my cease and desist and responded by closing my account. ELAN FINANCIAL SERVICE also stated they would continue to report information to the consumer reporting agencies which is a violation of the cease and desist pursuant to 15 U.S. Code 1692c ( c ) by indirectly communicating with me through the reporting of disputed information to the consumer reporting agencies. The erroneous information that is being reported has been defamating my reputation and character because ELAN FINANCIAL SERVICE has been reporting the account as " late payment ''. I have been unable to obtain credit. ELAN FINANCIAL SERVICE did not provide validation pursuant to 15 U.S. Code 1692g. I do not agree with ELAN FINANCIAL SERVICE decision to continue reporting the account to my consumer reports.

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