vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a business checking account at Wells Fargo Bank , N.A . and the bank is refusing to release a hold placed on a cashier 's check. I received a check payment from a customer for the amount of {$3900.00} and their check unfortunately bounced. I then required the customer to pay me with a cashier 's check. The customer went to their bank at XXXX XXXX XXXX  and submitted payment in the form of a cashier 's check drawn on XXXX XXXX XXXX XXXX account. When I went to the deposit the check at a Wells Fargo ATM on XX/XX/2023 I received a receipt stating my funds would clear next day. To my surprise in the morning I received a message that the cashier 's check had received a hold. The hold reason was not due to fraud but rather a message that stated " Recent returned check from check writer 's account. '' I called the bank on XX/XX/2023 and was told that I needed to go into a branch location for the hold to be removed. When I went and spoke with a manager she refused to remove the hold because the check was deposited at an ATM not in branch. I waited till today XX/XX/2023 because the check is under {$5200.00} and expected to clear today. The check did not clear and I called the bank again and they stated they could not remove the hold over the phone and to go back to a branch. The Wells Fargo ATM system has failed to recognize the cashier 's check is a next day item per Reg CC rules. The bank is unjustly holding my funds in the account and refusing to remove the hold even though when they do research they can tell the check deposited is in fact a cashier 's check and not drawn on my customer 's account but on XXXX XXXX XXXXXXXX 's account. However, Wells Fargo as an institution refuses to honor the Reg CC rules and will not remove the hold. If this check was fraudulent i would understand but the failure here is in Wells Fargo 's ATM system not recognizing the check is a cashier 's check and the Bank refuses to correct this mistake. I have also incurred overdraft fees in my other accounts due to not being able to access my funds and make timely transfers.

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 2023-04-22 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: CA

Complaint narrative:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following :

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 2023-04-21 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: MN

Complaint narrative:
On XX/XX/2022, I had a court appearance with my ex husband to dissolve and settle the marriage disputes. The only issue that was addressed by the Judge was child custody and child support. I filed a motion for reconsideration. Because of the threats to take my medical license, driver 's license and incarceration, I paid what I could, and contributed to the remaining to the costs of travel, which under XXXX code XXXX is considered support. The other party then contacted child support agency, who not only sent income withholding orders to my place of work without a judge 's signature, they put that I was behind XXXX dollars in arrears on my credit report, stated that it was an installment loan. I sent them a letter asking them to release the contract and validation of debt, and they refused to send me that, using terms such as " obligation '' when that means contracted debt or agreement. I also sent them a cease and desist. I submitted a claim to Experian, XXXX, and XXXX to remove the account. I also noticed it hasnt even been updated, and remaining the same amount. Im submitting this complaint, because they do not have my consent to release this information of my credit report and also refused to release validation of debt. They do not have a signed contract of voluntary obligation of debt. The court case was completed under grounds of lack of jurisdiction and unconstitutionally violated my rights under the Color of Law. This has damaged me severely and will be seeking remedy.

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 2023-04-22 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: TN

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank
State: FL

Complaint narrative:
I went to the Synovus Bank located on XXXX XXXX in XXXXXXXX XXXX  I had an XXXX XXXX so I decided to deposit it into my checking account at Synovus. I put my debit card in, and then the XXXX Then, the ATM crashed. The screen said " system failure '' or something like that and then it restarted on its own. I never got my card back or the XXXX back. I immediately called Synovus customer service and was given a temporary credit of a XXXX  Now, I log onto my account and see that the credit was reversed. After they stole my XXXX  I am beyond shocked and disappointed. I am just glad it wasn't a large amount of money. I just want them to make it right by giving me my XXXX  back. Otherwise, they are thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: GA

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I'm not sure how to go about this. I believe someone has stolen my identity, or the credit bureaus has made major errors on my credit reports. I have rights under 15 USC1681 XXXX, XXXX, and Equifax is govern by 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed below be removed. According to 15 USC 1681 I have a right to privacy, and I did not give XXXX, Equifax, and XXXX written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I stated above, these accounts don't belong to me. Meaning I never opened these accounts, nor did I give any one authorization to do so on my behalf. I have never been in contact with any of the above listed companies. I don't believe these collection companies have legal rights to conducting business in my state of Georgia. Also I listed inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: GA

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I'm not sure how to go about this. I believe someone has stolen my identity, or the credit bureaus has made major errors on my credit reports. I have rights under 15 USC1681 XXXX, Experian, and XXXX is govern by 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed below be removed. According to 15 USC 1681 I have a right to privacy, and I did not give Experian, XXXX, and XXXX written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As I stated above, these accounts don't belong to me. Meaning I never opened these accounts, nor did I give any one authorization to do so on my behalf. I have never been in contact with any of the above listed companies. I don't believe these collection companies have legal rights to conducting business in my state of Georgia. Also I listed inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-21 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: NY

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct.

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 2023-04-22 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:
This is my second notification to Experian informing them of my identity theft and the presence of multiple fraudulent accounts on my credit report. Despite their assertion that these accounts are verified, they have not provided any evidence that these accounts actually belong to me. This violates Federal Law which mandates that original documentation from the creditors must be on file to verify the accuracy of the reported information.

Although Experian 's initial investigation claimed that these accounts were verified, I am now requesting to know who performed this verification. As per Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I have not been provided with any original documentation, including a consumer contract with my signature. Moreover, under Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to promptly delete any unverified information.

It is crucial to understand that negligent noncompliance can result in civil liability and remedies, as outlined in Section 617 of the FCRA. As a consumer who values legal recourse, I am prepared to take legal action to enforce my rights under the FCRA.

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 2023-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
On Friday, XX/XX/XXXX, I purchased a XXXX prepaid visa gift card for the amount of $ XXXX with a {$5.00} activation fee from XXXX XXXX to use to pay a bill. I logged into the website fine the first time and saw that my money was there. Everything seemed fine at first, but after I set a PIN number, I was unable to log back into the website. I tried multiple times and each time I was told that my card number was invalid, despite me inputing it earlier. I am unable to reach customer service whatsoever despite calling multiple times. Upon further research I have learned that XXXX has a history of fraudulent activity and scams and I just want my money back and to never buy from this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: CA

Complaint narrative:
On XX/XX/XXXX as I was checking my credit report, my score went down from XXXX to XXXX. 
There are XXXX credit reports for the exact same promissory note for the one and only mortgage of a Home that I own. 

Union Home Mortgage failed to let me know that they transferred the note in XXXX of XXXX and continued to collect payment ( not closing the account ) and XXXX XXXX XXXX failed to give me notice that they are the new Lenders. 

I have yet to receive valid documentation to prove that XXXX ) XXXX XXXX hasn't provided valid documents that the loan was transferred via title company and XXXX ) Union Home Mortgage can't find the paperwork if it was transferred. 

Basically, I have XXXX perfect credit history from XXXX Mortgage Company and the other Mortgage company has said they are referring it to a foreclosure attorney.

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 2023-04-21 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: IL

Complaint narrative:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance with the FCRA, XXXX  account # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 USC 1681 602 A states that I have the right to privacy. 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent. If you have any questions I can be reached at

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 2023-04-22 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/XXXX I wrote Midland Funding a direct letter asking for specific information in regards to account # XXXX to their mailing disputing address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX MI XXXX tracking number XXXX. XX/XX/XXXX Midland Funding received my request. It has been 31 days since I sent my request inquiry and I have NOT received any information back from this debt buyer. The specific information I was requesting was Original Date of 1st Delinquency date that occurred on the Original Creditor account with XXXX  XXXX. 
Last payment made on the Original Creditor account with XXXX XXXX. 
How many days was this account LATE before the Original Charge Off date XX/XX/XXXX with the Original Creditor XXXX  XXXX. Example XXXX, Charge off Midland Funding LLC or Midland Credit Management whom ever they represent themselves as has failed to respond to my inquiry within 30 business days not including holidays and weekends which is a violation of the FDCPA and FCRA. This company is reporting different information to XXXX XXXX and XXXX and all 3 companies have Verified as Accurate this account or updated the account. I do not know which consumer reporting agency is reporting accurate information because all 3 agencies report different information. 

* XXXX Verified as Accurate this account on XX/XX/XXXX file number XXXX with a 7 year purging date of XX/XX/XXXX and a past due dollar amount {$8400.00} currently reporting. They claim that this account was closed on XX/XX/XXXX all while reporting the Account Type as Open. The Original Amount reports {$8400.00} while the Balance and Past Due report {$8400.00}. There is no reason why the balance and original amount should be different. 

* XXXX generated me results for this account on XX/XX/XXXX confirmation number XXXX with the date of delinquency date of XX/XX/XXXX. The high credit reports {$8400.00} with a balance and past due of {$8400.00}. The account type reads Open with a Payment History reporting 120-149 days past due. 

* XXXX generated me with results on XX/XX/XXXX report # XXXX with the 7 year purging date of XX/XX/XXXX. The Original balance reports {$8400.00} while the balance reports {$8400.00}. The current status reads {$8400.00} past due and a Payment History is being reported. Midland has updated information with experian but refused to answer to my inquiry letter? How is that legal? 

This is why I requested information directly from the source in clear explanation and this company refused to answer to my inquiry and send me what I had requested. If this company had the information on file then they should have no problem supplying me with this specific XXXX questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to XXXX XXXX XXXX which is reporting a charged off account of in the amount of {$23000.00}. JPMBC Card reporting a charge off account for amount {$23000.00}. Another JPMCB Card is also reporting charged off account in the amount of {$51000.00}. I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Deposited {$500.00} on XX/XX/XXXX from my XXXX  checking account through ACH debit Deposited a {$30000.00} check on XX/XX/XXXX at Capital One ATM branch at XXXXXXXX XXXX XXXXXXXX, XXXX  branch Current Online checking deposit shows the amount of {$30000.00} balance including interest paid by the bank On or about XX/XX/XXXX, I tried to call the number the bank gave online which is XXXX because the bank says that there is a problem with my deposit. I requested to speak with a bank representative on that number but the automated call only instructed me to leave my number and they are going to call back. The bank never called back and I repeatedly called them with the same result. Alarmed, I went to the bank ATM branch at XXXXXXXX XXXX XXXX XXXX to directly speak with their branch representative in person. The bank rep was able to finally get hold of the banks rep and the bank rep told me that they have decided to close out my checking account and that they will send me a check. It's been almost a month now and I have not received the check yet from my closeout account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX. XXXX I made a purchase with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Settled The amount has been successfully transferred, and the payment is complete. {$36.00} I received a letter from Cedars Business Services , LLC on XX/XX/XXXX claiming that I owed a balance of {$36.00} that had been sent to collection. After speaking with a rude representative from Cedars Business Services, I called XXXX and spoke with a representative named XXXX. She informed me that she did not understand why the account was sent to collection and suggested that it must have been a glitch in the system that resulted in it all. However, the bill being sent to collection is still liable to ruin my Credit Report and payment history. This is unacceptable and has the potential to severely damage my Credit Report should this error not be fixed and resolved appropriately. My livelihood is not something that I am willing to gamble on. Failure to correct this matter has the undoubtable potential to ruin my livelihood, my Credit Report and ultimately my life and my family 's. I will be forced to resolve this matter in court should. Attached is the collection notice from Cedar Business Services LLc and proof that the account was paid in full with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 Section 602a states I have the right to privacy 15 U.S. Code 1681 Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ;

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