vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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: PA

Complaint narrative:
In XX/XX/2023 I noticed improper transactions against my various bank accounts with Wells Fargo. I reported the improper transactions. The bank closed my primary account and issued a new account to me. However, fraudulent transactions continued to appear on the new account so the bank said it would shut my access down completely. When I then had a later opportunity to view the accounts, I saw yet more fraudulent activities. I have engaged the bank to recover such monies ( thousands of dollars or more ) and have closed all accounts. What I seek now is a full accounting of all fraudulent transactions and confirmation that all monies have been returned to me.

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: WI

Complaint narrative:
Me and my husband opened up this account when we moved to XXXX so we could live closer to XXXX. He told me he was sick of driving so far from XXXX XXXX. 
They sent back our XXXX XXXX. 
They sent back our Stimulus and they had to mail it to us. 
They called my husband in dead in XX/XX/2021 to Social Security and my husband died XX/XX/2021. We spent a whole month on the phone with Social Security trying to get the money back from Social Security for him. This was when we changed our direct deposit to XXXX XXXX bank. 
We got unprofessional voice message asking private information from people at the bank. 
I couldn't get XXXX to change his direct deposit for his XXXX from XXXX but I did with his XXXX pay from Social Security.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Hello, Im writing due to American Express refusing to update my account balance to {$0.00}. I paid the account off in XX/XX/2023. I also spoke with American Express representative who have send me a email saying my account balance is {$0.00}. They are saying theres a block, which is preventing them from reporting it. This is not true per all 3 credit bureaus. When I try to dispute it through all 3 credit bureaus American Express is saying that the account balance and history is current and its not. Ive mailed in all supporting documents including my account statement from them showing the {$0.00} balance but they are still refusing to update it. Ive been asking since XXXX and have not gotten anywhere. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I'm looking to buy a new house and don't want the current extended fraud alert on my profile to hold me up at all during the home-buying process. I'd like to have it permanently removed and have supporting identification documents in the letter which I've uploaded below!

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 2023-07-13 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: NJ

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: NJ

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: NJ

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help me.

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 2023-07-13 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
on XX/XX/2023 i deposited a check into my account from a customer/associate for a car that he purchased from me.the BOA put a 7 day hold on the check the funds were collected from the other party account the next day! 5 days into the check being held on my account i was informed that BOA was closing my account due to me depositing a counterfeit check .upon talking to BOA XXXX informed them that the check was a real check and provided them information to get in contact with the maker they gave me a XXXX business day period to let me know what the out come will be i also provided BOA with a notarized letter from the maker of the check. so now BOA has not released my funds they are saying my account is going threw a closer process i informed them that i want my account closed now! i asked if the funds can be returned to the organs or where they came from BOA has not given me any answers and they still have the money all i ask for the, to do is return the money or give me access to my account the amount is 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 monetary relief
Consumer complaint received 2023-07-13 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:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

The other credit bureaus have removed everything that was done by the individual who stole my identity PLEASE REMOVE THIS INACCURATE CHARGE ASAP.

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 2023-07-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023 I made an online order for XXXX soccer jerseys on XXXX. I also paid for expedited shipping with my order, which stated that delivery would be within 5 to 7 days. The total of my order was {$140.00} On XX/XX/2023, I sent the merchant an email asking why I still have not received my order, almost one whole month later. I did not receive a response to this email. On XX/XX/2023, I sent the merchant another email, explaining that it had been way past 2 months and I still did not receive the order. I did not get a response to this email, either. Soon after this, I filed a dispute with Citi Bank, case number XXXX. When I filed this dispute, the customer service agent told me that I was instantly going to receive a conditional credit to my account for the amount in dispute of {$140.00}. A few days later, I had checked my checking account and noticed that I did not receive the credit to my account. I called Citi Bank and they said that they do not offer conditional credit in these cases ; the previous customer service agent was uninformed, or lied. I said okay and let them process the case. On XX/XX/XXXX, I received a paper in the mail asking for more information about my case. I filled the paper out, stating all of the details about my dispute and sent the paper to the email address provided on XX/XX/2023. On XXXX XXXX I spoke to Citi Customer support to see what was the status on my case. The agent told me that my case was denied because I did not provide enough information. She said however, I can appeal the case at my nearest Citi Bank branch. She said to print the emails I sent to the merchant, as well as any proof of my purchase. I printed the XXXX emails I sent to the merchant, and the invoice that the merchant sent me. When I arrived at the branch they told me that theyre not sure why support sent me to the branch, as they have to do this over the phone with customer support. So, I had to speak to customer service about my dispute over the phone, at the branch. The workers at the branch told me I had wasted my time going there.

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 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I found a home online through XXXX and rented a home and have been paying rent to whom I thought was the owner since XX/XX/2023, I have lived in the residence for 7 months, and I found out last month that I was a victim of a rental scam. The property management of the home I reside in served me with a dispossessery notice to vacate in 7 days.I have paid XXXX $ in rent and now I do not have anything to move with. I have filed complaints with the FBI, the FTC, my bank, the police dept, and the sheriff 's dept. I have lost my hard-earned money that no one seems to care about or even want to help me get back. I am the victim, I have nowhere to g, o and now, no money, this is completely and utterly not fair. I should not be penalized for someone else 's criminal actions toward me, I am the victim

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: VA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-07-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1992 Dear Sir/Madam, I am writing this letter in regards to several negative items appearing on my credit report related to various accounts that have been charged off, late payment accounts, and collection accounts. The following accounts are the ones I am disputing : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account I dispute the accuracy and completeness of the information reported by your organization regarding the above-mentioned accounts. I believe that there are errors in the information that has been provided and that they have been reported in violation of my consumer rights. 



I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) states that any information reported to the credit bureaus must be accurate, complete, and verifiable. It is my right to dispute any inaccurate information and to have it corrected or removed from my credit report. 



I also believe that the reporting of this information has caused significant emotional distress and hardship for me. I request that these negative items be removed immediately as they are affecting my credit score and financial well-being.

I request that you investigate these accounts and remove any errors or inaccuracies that you find. Please provide me with written confirmation of your findings and any action taken. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2023-07-13 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
On XX/XX/2023, my private student loan provider Navient, was supposed to take a scheduled payment from my bank account as they have in the past. Navient sent 17 test payments to our bank account to confirm there were funds available. There were funds available in the account. This is verified by our bank statements. The company Navient never completed the transaction. I called the company and ask why they did not take the payment. They said there was an issue at our bank. I contacted my bank and talk to the bank manager XXXX XXXX, who confirmed it was not an issue on the banks en, that the issue was the company Navient never actually pulled the funds. As a result of Navient not pulling the payment this is now reflecting as late on my credit report. I have attempted to talk to Navient several times to resolve this issue, they have not been able to resolve after being told there were retractions to credit reporting. The retractions have not taken place. It has been roughly 6 months and my credit is effected by their error. I have documentation from my bank including a statement from the bank manager stating the issue was not mine or the banks but the issue was with Navient not taking the payment from my account. 
Attached are bank statements showing Navient sent test payments to my bank but never pulled the payments. Navient admitted THEY MAY HAVE HAD AN INTERNAL ERROR ON THEIR END by not pulling the payments. This is something I have no control over and should not be responsible for their internal errors. Once I submit the payment it is up to the company to take the payment from my account. My account reflects available funds. Also attached is a short summary from my bank manager who also confirmed our bank account was active and did have the funds but it was Naviant who neglected to actually pull the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: VA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
For years, BOA has been taking insufficient fund fees and overdraft protection fees, out of my account for years repeatedly even when the same vendor came to get money, it continued to deny it but kept charging fees

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 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Sent a domestic wire transfer for {$10000.00} on XX/XX/2023 via online banking. 

As of today, XX/XX/XXXX. The wire has not reached the beneficiary ( wire instructions are correct and confirmed ). Wells Fargo ( WF ) online department and wire department misinform and misguide me on each call to check status and confirm the funds were sent. The last call the representative made it seem like the funds can be held indefinitely and they don't have to inform me of legal or lawful deadlines to refund the money to my account. 

I request XXXX ( Federal reserve number, which confirms the wire was sent without issues ), they don't expect I'd know to ask for it. They place me on hold, while they ask team lead and confirm they don't have XXXX yet because the case and funds are sitting in WF compliance. They can't contact compliance or place a sense of urgency to resolve either because the department does not talk to them. 

Every business day between XX/XX/XXXX to XXXX, they request I provide my full name, address and date of birth to release the funds. I provide the information and this does not resolve the release. Each follow up call is the same generic process cycle but no resolution and they can't find the previous XXXX notes where they sent my information to compliance, each follow up call is like the first call. 

I requested they cancel the wire and refund to my account, they say they can recall but not sure if the beneficiary will return the funds which is contradictory because some CSR admit the funds haven't been released and are at WF while others say the funds have been released. The receiving bank confirmed notice of wire expecting the amount, but funds have not been released to them by Wells Fargo. 

Regardless of how many times you call XXXX ( wire dept ) or XXXX ( online claims ) no one knows what to tell you or how to resolve you issue, hands are tied and washed like XXXX XXXX. If you go to the branch, since you initiated the wire online, they are clueless and can't resolve and refer you back to online. 

The lack of providing customer information, a resolution date, accountability, lack of care to resolve the customer issue is demonstrated, no matter how urgent the matter is for the client, they don't care and tell you they can't do anything and have to wait for compliance ( which is indefinite ). 

This issue makes you lose total confidence and trust at WF ability to manage online wire transfers. It is better served to go to the branch. Online department provides no solutions or information besides reading off of a script and tell you to file a complaint with the office of the WF president.

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