vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 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: NC

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, experian and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.

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 2022-12-20 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:
Transunion and XXXX has allowed XXXX XXXX XXXX report and account to my credit file that they dont own. According to the Fair Credit Reporting Act you have to own this account in order to report to anyones credit file. XXXX XXXX XXXX does not own this account and there it should be removed from my credit file immediately. Please have XXXX XXXX XXXX provide proof of ownership and I would like to see proof of ownership as well.

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
I went to ATM after hours after picking up kid from XXXX, XX/XX/XXXX at XXXX in XXXX Vermont XXXX I needed to deposit tips from the weekend, most of my income is in cash. I deposited XXXX XXXX 's ; XXXX fifties ; and XXXX XXXX dollar bills, for a total of {$400.00}. I'm absolutely positively certain of this, I live on my cash tips. I knew what I needed in account to cover checks i mailed. I immediately see error come across screen, then option to do a, forced deposit, which I had never heard of before this instance. The machine never kicked out my funds while I was present. I typed in exactly what I know for fact I deposited, and thought it would put funds in account. I visit same branch ATM again XX/XX/XXXX, see {$400.00} deposit ( credit ) then a {$300.00} debit, they took funds back out. I went in bank and spoke to Assistant manager, XXXX XXXX, who said she would file complaint or claim, and she told me " this particular ATM does not like big bills '', such as fifties and hundreds after I told her I size of bills deposited. It was quite clear ATM deposited my XXXX XXXX 's, and did who knows what with the {$300.00} balance in bigger bills. I was told funds would be taken care of but it may take 10-15 days. ,10 days later nothing happened, spoke to XXXX XXXX again XX/XX/XXXX and she states Audit of ATM was recently done XX/XX/XXXX, I should have my funds soon. I received a letter today XX/XX/XXXX stating their investigation is complete and they say I basically lied or tried to benefit from this forced transaction and they or the ATM vendor are stealing my money and not going to fix mistake they created. I would not escalate this situation unless I felt I have been wronged and I feel I was robbed by that machine and don't understand why nobody can check a camera from that night and how is {$300.00} just lost in a machine and nobody can find it? I felt compelled to go above and beyond the company, they obviously don't have my best interests in mind, I will not accept having my hard earned money stolen, by my own bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
Checked my credit report to find out that someone stole my identity and opened up numerous accounts in my name. For example XXXX XXXX XXXX  was opened up and I was put in collections for {$4.00}, XXXX. Once I found this out I called the company who directed me to go to a store. once I did that they asked me to file a police report and send information to fXXXX XXXX XXXX XXXX Account # for this fraud is 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 2022-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I don't know if this complaint is applicable to the XX/XX/XXXX announcement regarding Wells Fargo Bank but I'll try. I have been a XXXX customer since XXXX. I had a construction loan in XXXX, then a XXXX XXXX XXXX. In the midst of the financial crisis, I was one of the few customers who could qualify and pay XXXX back without going bust. However, the situation was difficult and my first interest only loan in XXXX generated a LOT of money for XXXX. 

In XX/XX/XXXX, I made a business deal that allowed me to pay down my interest only mortgage by almost 50 % and contacted my WF about refinancing. " No problem and absolutely. '' was basically their answer,. The amount of financing needed was probably 30-35 % of my home value, thereby looking like a pretty low risk deal for Wells Fargo bank XXXX The bank proceeded to jerk me around, delay the progress in getting the refi approved and they dragged this process out until XX/XX/XXXX. During those critical months I continued to pay {$10000.00} per month in interest only payments and despite my complaining, the timeline dragged on. 

I feel that they did this on purpose and saw little reason why this process could not have moved faster. They knew me, they knew my property and I was working with their XXXX Bank in XXXX XXXX. 

I feel they delayed and cost me anywhere between $ XXXX {$30000.00} in unnecessary interest only payments. Which I would certainly like to debate if 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 2022-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Pnc is blatantly breaking the law. They incorrectly charged my account overdraft fees, then sent them to collections. These were disputed off as they were illegal. Pnc then recieved a payment to the closed account, and is holding the whole thing XXXX if {$300.00}. Pnc, specifically XXXX, refuses to speak to me over preferred methods. They are in blatant violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX and XXXX has allowed National Credit Systems report and account to my credit file that they dont own. According to the Fair Credit Reporting Act you have to own this account in order to report to anyones credit file. National Credit Systems does not own this account and there it should be removed from my credit file immediately. Please have National Credit Systems provide proof of ownership and I would like to see proof of ownership as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: GA

Complaint narrative:
XXXX and Equifax has allowed XXXX XXXX XXXX report and account to my credit file that they dont own. According to the Fair Credit Reporting Act you have to own this account in order to report to anyones credit file. XXXX XXXX XXXX does not own this account and there it should be removed from my credit file immediately. Please have XXXX XXXX XXXX provide proof of ownership and I would like to see proof of ownership as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XXXX XXXX I clicked on the " XXXX '' in my XXXX list. I got a message on my screen that stated " possible fraud '' call XXXX. Over the XXXX  years that I had my Citibank accounts have seen that pop-up message XXXX  times. I called the number and the call was answered and stated " Citibank Security, XXXX ''. XXXX stated that he needed to check my accounts due to the possible fraud. Naturally, I thought I was talking to the real Citibank Security and I gave him my access code to my accounts. After XXXX  days, I realized something was wrong. By then the damage was done. My Savings account of {$300000.00} was stolen. I called the real Citibank to report the issue. The Citibank Fraud Department worked the issue. On XXXX XXXX I started receiving letters from the Citibank Fraud Department stating my claims to get my money back were denied. As of this date, XXXX XXXX, they are still denying my claims. I talked to a Lawer and was given the info for CFPB. The Lawer also stated that Citibank had to have Security issues that caused the fraudulent phone to be displayed when I clicked on the XXXX web site.

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 2022-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am going through some financial hardship because of my childs XXXX XXXX a few months ago. I tried getting into my XXXX syncrony account but it said my account doesnt exist or cant be registered. So I had to order a new one. Im hard of XXXX  and using the phone doesnt work for me, but they have no option for secured messaging. I finally got a hold of the customer service email and I explained my situation and that Im waiting on a new card and hoping itll work to register with.

I want to apply for financial hardship but I cant because the original card they sent me wont register, which means I cant apply for financial hardship and I cant do it over the phone because theres nothing compliant for the hearing issues I have. So instead of answering my emails I get several calls and emails and texts.

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 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I was contacted via telephone to inform me that " Bank of America '' had received a credit application in my name, and they were calling to verify the information and if I had indeed submitted an application. To be very clear... I DID NOT apply for credit with Bank of America. I also received a letter with Bank of America letterhead informing me to call " right away '' to verify that I submitted this application. I called the fraud department from a number I found on the Bank of America website ( not from the letter ), and they informed me that the letter I received, and the call I received were not from them. I DO NOT HAVE ANY ACCOUNTS associated with this institution. They verified that I do not have any accounts with them. They encouraged me to file a complaint here, and with the credit bureau.

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 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
My name is XXXX XXXX. I am the sole successor trustee and successor-in-interest of the subject property of this complaint. The property is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I filed an application with the MO Homeowner Assistance Fund to assist me with reinstatement and my application was denied. I have applied for mortgage assistance with Select Portfolio Servicing. I recently was informed that the servicer contacted an unauthorized third party and discussed the status of my mortgage account. Since I am the sole third party listed, this is a CFPB violation and also a HIPPA violation of my privacy rights. My sister, XXXX XXXX was contacted today, XX/XX/2022 between XXXX and XXXX PST and was advised that the property was in foreclosure and was going to trustee sale in XXXX. Select Portfolio Servicing had no right to share or disclose information on this account to XXXX who is not authorized on this account. 

Once I submit an application ( RMA ) for assistance, it was my understanding that the foreclosure sale date is to be placed on hold while the application is under review. I would like to know what my recourse is based up on this blatant violation of my privacy rights.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
I had about {$2300.00} stolen off of my current bank account overtime

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I submitted a compliant today regarding the closing of my Citibank XXXX XXXX XXXX card. I found the service agreement. It doesn't state you could close my account based on the reason provided. I will get an attorney and sue your company if my account isn't opened back up. This isn't fair. I will continue to fight this until my account is reinstated.

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I opened an account online with Bank Of America XXXX. XXXX, 2022. I deposited {$100.00} into the account. On XXXX XXXX, 2022, I tried to log in to my account online and was blocked from doing so. I called the customer service number for Bank Of America that evening and was told that my account was closed. On XXXX XXXX I again called customer service during regular banking hours and was told that there was a freeze on my account and the bank decided that it was best to close my account for business purposes. I inquired about receiving the money in the account and was told to go into the branch with my ID to get the money. I went into the local branch that afternoon and was told that they cant give me my money, the account was closed. I asked for someone in charge and was told he was with another customer and to make an appointment which I did for XXXX pm on XXXX XXXX XXXX After going in and speaking with the bank manager I was told that the account is going on for closure and they planned on sending me my money with a cashiers check. I also let them know that I changed my military allotment to go into that account and wanted to know what would happen to that. They explained that it would be mailed to me. First of all, if the account is still open, why can I not get my money out. Secondly, if the account is still open why am I being told its closed. They also had the nerve to ask me if I wanted to open a new account. Can you please help me get the funds that are currently in there and any future deposits expeditiously. Per there own words they have until XX/XX/XXXX to close my account. At that point I will receive my money. How fair and right does this sound. Who gives them the right to hold MY money 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 2022-12-20 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: MD

Complaint narrative:
Collections line item has been reported to my credit report profile in the amount of {$4000.00} for an account that was not opened by me nor did I have any knowledge of. 
This discrepancy was reported directly to the company listed as well as the credit bureau. 
Account my have been acquired when my personal information was breached during data breaches associated with XXXX and XXXX which have both impacted me. 

Line item being reported was established without my knowledge or permission.

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 2022-12-20 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: FL

Complaint narrative:
In 2008, I was doing web design. I checked my account balance and it was zero. I found that my XXXX XXXX had been hacked and my funds had been used to purchase multiple copies of XXXX anti-virus protection. I went to my bank as soon as it opened, and sat with an employee who I told I needed my debit card cancelled, my XXXX XXXX disconnected and my account put on credit only status... She assured me these things had been completed. 

I was now receiving payment for my work via an XXXX XXXX. About two weeks later I did a small change for a XXXXXXXX XXXX site. They could not pay me via XXXXXXXX XXXX  so I billed them via my XXXX XXXX.. I checked to see if the payment was there ( Just {$35.00} ), not only was it gone, once again my XXXX account was drained and I was charged {$800.00} in overdraft fees. 

I went to my bank and inquired how this could happen, considering the precautions I had taken. They asked what I would like them to do for me, I said, I would like you to make it right, it was your fault if my precautions had not been executed. They said " We are sorry XXXX XXXX, there is nothing we can do for you. '' At the time of this fiasco, XXXX was being absorbed by Wells Fargo. 

I lost my apartment, my job, and my web design business. I have been homeless since.

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 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: MA

Complaint narrative:
With a good credit score of XXXX, I applied for XXXX XXXX XXXX XXXX XXXX " XXXX XXXX '' balance transfer card with the intention of using its advertised balance transfer feature. 

The card is advertised at this URL : XXXX : XXXX? XXXX & XXXX From that link you can see the boxes that I filled out : they include basic demographic information, XXXX, annual income, and a box that says " I'm interested in a balance transfer '' - which I selected. 

Radio silence for a few weeks with no emails in my inbox. I called to check on my application after a week and it was still pending. A week later, I called and was told that my card had just been mailed to me with a {$600.00} credit limit. Surprised, I asked what happened to the balance transfer - I was expecting that to be defined before the card application was complete. From a perspective of common sense, {$600.00} is not a reasonable amount for any conceivable balance transfer. I am left to think that there is a missing field on the form, and my application was processed carelessly or negligently. 

When I called, they told me they were unsure about what I could do about the balance transfer, but that I could request a higher balance, which would be yet another hard pull on my credit. Over the phone, I consented to another hard pull on my credit to increase the balance limit to something that would be reasonably useful for the advertised balance transfer feature. Just now, I called back and have been told I was declined because my account hasn't been active for 6 months yet. This obviously makes the balance transfer unusable, since only 18 months are held at 0 % APR. Consequently, I have been forced to close the card having never even activated it. 

I have no idea how these two hard pulls on my credit - one resulting in a decline- have affected my XXXX score. I feel like this whole interaction has been disastrous. Emails from XXXX XXXX XXXX come into my Spam inbox under the generic name " cardholder services '', and the underwriting phone support, when I have called, have not budged beyond their stock justifications for the likely erroneous {$600.00} credit limit.

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