vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-06-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK
State: NY

Complaint narrative:
XXXX has two active promotional events in the market. With two deposits, they will pay a {$250.00} credits as a bonus. At the same time, one term is advertised with the required activity to keep the {$1000.00} dollar in the account while the other one doesn't. I opened my account with them using the link and terms that DON'T require a {$1000.00} parking. However, after I completed the required tasks, XXXX refused to pay the {$250.00} credits. They stated that I signed up the account using a different link. When I asked for the proof regarding the two circulating sign-up bonus campaigns and the proof that I used the wrong link, they failed to provided detailed information and still refused to pay the {$250.00} credits.

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 2022-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/XXXX, I received a call from Bank of America ( my caller ID stated that it was the customer service line : XXXX ) and a woman told me my account had been compromised and that I had to send my money to a new account. They walked me through using the XXXX app and insisted that this was the way to help. They told me that {$3500.00} was being transferred without my approval. I told them I only had {$1800.00}. I sent the money to an email that they had created for me and promptly hung up the phone after I sent it. I called the number back to get the actual Bank of America customer service support to which I waited two hours on the phone to file a claim. They then told me that it could take up to 45 business days to review my claim. 

After reviewing my claim, they stated on XX/XX/XXXX that nothing seemed wrong on their end because they followed my directions, but as a courtesy, theyll reach out to the third party to try and return my money. Yesterday, XX/XX/XXXX, they stated that the third party did not send back the money and that I should reach out to the scammers myself to ask for it back. 

There is no way for me to prove that someone from Bank of America did not actually call me from their service line and convince me to send my money to them and are now refusing to send it back. 

My claim number for this with Bank of America was 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 2022-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo investigated a missing payment from their remediation program in the amount of {$5100.00}, an affidavit signed, their treasury management fraud claims team was unable to recover funds from cashing bank, XXXX. The claim was denied according to XXXX XXXX, claim rep for mediation. As explained in numerous prior CFPB complaints in re, the check in amount of {$5100.00} was sent to my old address after I moved, intercepted and cashed by another party.. The address was not verified before sending, an error on end of Wells Fargo. This was also explained in prior CFPB complaints, Wells Fargo reps refer to checks as cashed, even though fraudulently. Further, there is an unresolved issue pertaining to IRS reporting of payment, a 1099 form showing amount reported to IRS for tax year 2020. Wells Fargo refuses to correct reporting information and or reissue payment. To date, I have not received corrected 1099 form or check in amount of {$5100.00}. Their reply regarding this issue includes referring me to a tax professional, in which case, the professional advised Wells Fargo would need to correct the form or simply reissue payment.

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 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I kept receiving letters in the mail saying that my application is in progress, which was confusing knowing I haven't been applying for any card so I went to check my credit and I found these inquiry on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2022-06-29 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I kept receiving letters in the mail saying that my application is in progress, which was confusing knowing I haven't been applying for any card so I went to check my credit and I found these inquiry on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I kept receiving letters in the mail saying that my application is in progress, which was confusing knowing I haven't been applying for any card so I went to check my credit and I found these inquiry on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2022-06-29 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
To whom it may concern, I had gone thru a drive thru bank Well 's Fargo bank, In XXXX MN XXXX XXXX XXXX XXXX. on XX/XX/XXXX at Approximately XXXX PM I was trying to with drawl {$25.00} out of my daughter 's account I'am on her account I opened back in XXXX a college saving 's I had my driver licence just did not have my debit card on me that day. I was never questioned the middle age woman even before we started the transaction conversation, she seemed really rude impatient and high anxiety, mind you I have been to this bank several times before, to take care of banking business, I never had this problem before. The XXXX XXXX XXXX MN never questioned me. She said she didn't see my account at all I have a savings account separate from my daughter and my husband and I have savings at Well 's Fargo! The woman is a XXXX XXXX XXXX  teller, she also asked me, do I have a phone number to give to her while in the drive thru! That is personal information, I asked her can I speak to her manager, she said she was Unavailable and I could see her in her office so she mention that she will show her my driver license, i believe it took more Then XXXX minutes to take care of a simple drawl, transaction I also had a XXXX XXXX XXXX. I was finally able to with drawl {$25.00} out ... after all that I tried calling when I returned home no answer the next day no answer later on some one answer at that bank he said he will passed the message to Manager, I never receive a call back, until I call a couple day 's later and spoke to a XXXX XXXX she apologized, I asked her to email me. and felt bad of what had happened, and said she will speak to her appreciate I don't feel that was enough I tried to call the head quarter 's no one will answer the phone. I just felt like why would she treat me like that as a customer to myself? I have been banking with them since 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 2022-06-29 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2022-06-29 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is t
hat possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2022-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On Saturday XX/XX/2022, I purchased a table and chairs from XXXX XXXX using my Synchrony Home Card for {$1800.00} plus tax ( {$150.00} ) equals {$1900.00}. I am being wrongly charged by Synchrony Home the amount of {$2300.00}. This amount is wrong. I am being wrongly charged an additional {$290.00} plus tax which comes to {$320.00} which was refunded back onto the Synchrony Home Card by the retailer. I can show proof of the refund of {$320.00} to the Synchrony Home Card from the Retailer. My daughter had to do a XXXX News Segment regarding this refund of {$290.00} plus tax = {$320.00} I know I owe for the table and chairs {$1900.00} because that is the only thing I purchased with this Synchrony Home Card but I do not owe the additional {$320.00}. I do not owe {$2300.00} Please see the attachment showing my proof of refund. Please correct 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 explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: OK

Complaint narrative:
XXXX listed a collection on my credit reports that has been placed with Sunrise Credit Service. I have requested debt verification and have not received it. I canceled service due to a move. I returned all equipment to an XXXX XXXX XXXX store. I do not owe this debt and demand that it be removed from my 3 credit bureau 's immediately or I will take legal action.

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 2022-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MI

Complaint narrative:
have a home mortgage with BSI Financial Mortgage Acct # XXXX ) which was initially made with XXXX XXXXXXXX XXXX which was a Home Refi. 
When the loan was closed with XXXXXXXX XXXX, Flood Insurance was not required. Several years after the Refi, I was told flood insurance was required. I furnished the required Flood Insurance Certificate showing that the property was covered. XXXX did not require Flood Insurance escrow for the policy. Several years later the loan was transferred to BSI Financial. BSI also required Flood Insurance. 
Had I known that Flood Insurance was required, I would have not refinanced. I have had a mortgage on this property since XXXX and was never required to have Flood Insurance. 
However, I did purchase my own at my expense the requested policy and furnished policy to BSI, to avoid being charged at triple the cost of coverage purchase by them. I am now being charged by BSI for the policy they purchased thru escrow, so basically I have duplicate coverage.

BSI is insisting that I pay into their escrow account, saying it is a federal requirement. 
Is it a federal requirement? 
However, this Escrow requirement started with the XX/XX/XXXX payment. 
I have made many verbal requests thru phone calls to BSI to resolve this issue, and have not received any satisfactory response from them. 

Is there any way you could assist me with resolving my issue would be appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  Acct # XXXX Email : XXXX Cell # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: OH

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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