vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On Monday XX/XX/21 I tried to deposit a {$750.00} check at my Wells Fargo bank ATM ; after inserting my card, entering my PIN, and pushing the buttons to make a deposit, I was prompted to put the check into the ATM, and did so. After several minutes ( an unusually long period of time for a deposit ) the ATM said it was still " scanning '', and then the ATM shut down, and posted an " out of service '' message. I called the bank 's customer service line while on the spot, submitted a complaint, but didn't get much information. Went home, logged in, and saw no credit for my deposit ; the next day I still had no response from Wells Fargo, and I was concerned about only having the phone call, so I submitted the complaint to Wells Fargo online ( hoping to be able to provide more information, but unfortunately Wells Fargo online customer service is extremely limited to checking boxes, with no means of submitting details ). I ended up with two complaints with Wells Fargo, which were consolidated into Claim Reference No. XXXX. It is now the end of the third week after the event, without the matter having been resolved, which strikes me as unusual ( one would think Wells Fargo would've opened the ATM the next day, found my check that its ATM ate, and finished processing that deposit, with a final credit well before now ). How long should Wells Fargo be able to take to resolve a simple matter like this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08 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: GA

Complaint narrative:
In XX/XX/2020 an derogatory account was reported for the amount of {$2300.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being 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 explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2021, I made a check deposit of {$13000.00} into my business account. I made this deposit inside a branch with a teller. My receipt stated that there would be a hold on the availability of those funds ; the hold on the check that I deposited will be available on XX/XX/2021. 
On XX/XX/XXXX I received a text message that the hold was going to last until XX/XX/2021. 
Between XX/XX/XXXX and today, XX/XX/XXXX. I sent chase five secure messages via my secure messages account inside of my chase online account. 
On XX/XX/XXXX @ XXXX XXXX  PST., I received a text message from Chase stating that. The hold was released on my account. 
Today is XX/XX/2021. At the time is XXXX XXXX  PST. I still do not have access to the funds I deposited. I am submitting attachments so that you can see what I'm Speaking of.

Chase has had utilization of {$13000.00} of my money for three days because it is not available to me. I deserve interest on those three days. They held my money and used it for other investments.

In the secure message that I received, Chase advised me to call XXXX and that is to the deposit hold department. When I called them, I was on hold for an excess of 1 hour 30 minutes ; and when the representative did come on the line after 1 hour 52 minutes, he said he could not hear me and disconnected the call. This is so totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TN

Complaint narrative:
I have several inquiries reflecting my TransUnion credit report ( XXXX Bank : Date:XX/XX/XXXX, XXXX XXXX XXXX : Date:XXXX, XXXX : XXXX, XXXX DBA XXXX : Date:XX/XX/XXXX, XXXX : DateXXXX, XX/XX/XXXX : Date:02/24/2021 and XX/XX/XXXX : Date:XXXX ) none of which I authorized or applied for. I contacted TransUnion via phone call XX/XX/2021 and I was told to send in certain documentation. Which I did, only to keep getting told it has not been received. Also during that phone call I informed them that I have previously been a victim of identity theft and credit was still trying to be use unauthorized. I filed a report with the FTC about these inquiries as I was advised by TransUnion but since then I had two more inquiries impact 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 explanation
Consumer complaint received 2021-10-08 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This is a clear inaccuracy and a clear violation against my rights, Please take this off from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Partners for Payment Relief
State: GA

Complaint narrative:
I am trying to refinance my first mortgage and the title examiner found a security deed on my title to a company I know nothing about. Supposedly I took out a {$48000.00} second mortgage on XX/XX/XXXX between myself and XXXX XXXX XXXX, XXXX. They are no longer in business, also the attorney who did the transaction XXXX, XXXX, and XXXX are no longer in business. There was another transfer of deed from XXXX XXXX to XXXX  for XXXX  XXXX  XXXX done on XX/XX/XXXX but their MERS is inactive so is the contact phone number XXXX. My current closing attorney, my loan officer, and myself have gone to their website XXXX XXXX XXXX which is only one page and all you can do it enter your name and email for them to contact you back. No one has contacted any of us even after repeatedly requesting information over the past month. Again this is not a debt I ever signed for, there is no reference to it on my credit report and I would never have known about it had I not tried to refinance my current mortgage so I need guidance on how to get it removed from the title of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America reported late payment on my account however their customer service teams investigated issue and acknowledged that it was an error on their end. Bank of America promised to fix the issue last month ( XX/XX/2021 ) and yet in XX/XX/2021, they reported to credit agencies incorrectly.

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 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Franklin Collection Service, Inc.
State: AR

Complaint narrative:
Debt collector called me at work demanding money for a past bill. Two other employees heard what happened. This is an illegal practice in the State of Arkansas and outside of the statue of limitations for the debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXX Made purchase online for a tire, order # XXXX Dollar amount {$260.00} XX/XX/XXXX Received the item, but it was the wrong size XX/XX/XXXX Informed seller item was incorrect, they offered to exchange XXXX, received no further info from seller, initiated dispute with BOA card services XXXX Returned the wrong item, with tracking info to address provided XXXX Received conditional credit from BOA XXXX received confirmation from XXXX ( returned ) item was delivered and signed for XXXX Additional information to support my claim requested by BOA XXXX Requested info mailed to address provided XX/XX/XXXX BOA responded that the dispute was denied XX/XX/XXXX Claim reopened XXXX Claim denied again XXXX I called to speak with BOA, " XXXX '' , then " XXXX '' -She listened to the details, reviewed and agreed that it was clear that I had proven I returned the item, and had not received credit-she was to forward along to claim investigator dept. 
XXXX agreed that it seemed BOA was not acting in the interest of the consumer ( me ) XXXX BOA claim re-opened XXXX Claim denied, " we consider your claim resolved and we won't respond to any further correspondence relating to this claim ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am the XXXX  for a small not for profit XXXX that supports the local middle school. We bank with BBVA. On XX/XX/2021 went on-line to pull the bank statement for a local and noticed there was a bank charge with a very vague description. I called the bank for more information on the charge. I was on hold for over 30 minutes. When I finally reached a representative she told me that the charge was probable for an excess deposit. She could not give me the terms for the bank account or describe what constituted an excess deposit ( the XXXX had made less than {$3000.00} is deposits for the month in question ). She then told me the terms of the account were unavailable and unknowable. I requested the charge be reversed since the bank could not articulate why the fee was charged, could not give me the terms for the account or otherwise indicate how the mystery fee could be avoided in the future. She declined to reverse the charge and only offered that I call back in a week and hopefully at that point they would know what the terms were on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2021-10-08 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:
In XX/XX/2020 an derogatory account was reported for the of {$2300.00} I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being 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 explanation
Consumer complaint received 2021-10-08 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: PNC Bank N.A.
State: AZ

Complaint narrative:
XXXX ( transitioning to pnc ) websites and information I received in the mail states that you will be able to make a payment/will except payments until XXXX XXXX at XXXX 2021. However I tried to make a payment XX/XX/XXXX at XXXX as well as XXXX XX/XX/XXXX. No payment option was available online no payment option was available by phone. Their transition was supposed to take place according to the website at XXXX XX/XX/XXXX XXXX XXXX. 
My bill is due XX/XX/XXXX. 
They gave false information on their website as well as on the pamphlet I received in the mail. 
I do not want to be charged for not making a payment. No one I contacted via call center knew what was going on and they were unable to explain the dates/time being wrong. They would not let me talk to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried to send Multiple disputes regarding my credit report with no response. I call and still do not get a response. I sent multiple letters with out a response over 30 days ago.To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute.

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 2021-10-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My identity was stolen many years ago. I sent the required paperwork to the credit bureau in 2017 and they removed the item. Years later they put the item back on my report. They failed to notify my as is required per the FCRA. I filed and additional dispute and they did not reply in the allotted time period. It seems the CRA 's can get away with just about anything they want.

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 2021-10-08 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: SC

Complaint narrative:
XX/XX/2021 I wrote my dispute letter to the credit bureaus about few items that I seen on my credit report. all my letters that I sent out was certified so I can keep up my documents. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is crazy and outrageous that these credit bureaus are putting these items on my report like this and I don't appreciate it not one bit. It's effecting me to a point that is making it hard for me to get approved for a mortgage so I can get my family a house.

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 2021-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In 2005 a student loan account with NAVIENT was opened in my name in XXXX Texas and has gotten to the balance of a few thousand dollars and has beaten my credit up badly. 
In 2005 I was XXXX, living with my mother and we had been evicted from where we lived in XXXX and moved to XXXX 
In 2005 I attended XXXX high school while living in XXXX XXXX. 
I have contacted navient, attempted to contact the school but is closed and has been for years, and Ive even hired a credit repair agency to help figure this out and have not had any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/2021 I closed my Chime Bank checking account with approximately {$70.00} remaining. To date, I have received nothing. I am blocked from using the chat feature. 

I understand that this is a common practice with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Fidelity National Financial, Inc
State: FL

Complaint narrative:
XX/XX/2021 I started to buy my first home. My offer on XXXX XXXX XXXX Fl was excepted and I started all the process of Appraisal, Inspection and survey. All required and I PAID FOR for my FHA Loan. My 1s Appraisal the seller agent tried very hard to get me to drop out because he had a cash buyer. I would do that. And he constantly kept trying. I had the survey done ( I PAID FOR ) done but Fidelity Title Company XXXX fl took upon themselves to give my survey ( I paid for ) to the seller agent and NOT to me, my realitor ( XXXX XXXX and her broker XXXX ). or to XXXX XXXX ( where I was getting my loan through ). This was done WITHOUT MY PERMISSION. Through all this I had to seek counsel from XXXX XXXX. A added financial burden that should have not had to happen. I personally feel ALL those involved in this ILLEGAL & UNPROFESSIONAL ACTIVITY should be accountable. I also feel the seller agent and broker needs to be held accountable for their UNPROFESSIONAL action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This time I want evidence to support Synchrony Bank/ Mattress firms claim or I am filing a civil law suit in my local court. I have contacted Synchrony Bank/Mattress Firm Home Credit card multiple times regarding a fraudulently opened credit card that is under my name, which was opened XX/XX/2020. I have told this company that this credit card account is fraud and I am a victim of identity theft. Synchrony keeps trying to collect a debt that is not mine and harassing me. They have reported this to the 3 major credit bureaus multiple times ruining my credit. As soon as I found out about this fraudulent credit card account I let them know right away, which was XX/XX/2020. I have sent this company multiple police reports, FTC Reports, filed a XXXX XXXX XXXX complaint, and filed Identity theft reports. I am also working with a lawyer. I sent this company proof that I am a victim of identity theft and they still keep harassing me to pay a debt that is not mine. They kept sending the past credit card statements to a place in XXXX, Florida, which I have never lived in Florida and I have proof that I have never lived in Florida from the FTC report I filed. I also let the 3 credit bureaus know that the XXXX, Florida address was never mine and they took it off my credit bureau as being identity theft. I believe the criminal who opened this fraudulent credit card on XX/XX/XXXX is the one that is living in Florida because that is where the statements and credit card was opened. I have lived in Ohio my entire life except for when I moved to Texas at the end of 2020. I found out in XX/XX/2020 that I had a fraudulent account opened and I notified synchrony bank right away that this was a fraudulent account. I have never received or purchased any goods or services from Synchrony Bank/Mattress Firm Home Credit . My personal information has been compromised on multiple occasions and I have been a victim of identity theft. Please see attached all the evidence. I will continue to do what I have to do to get this account closed as fraud. I will not stop until something gets done. I would not be wasting my time doing all of this if it was not 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