vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Customers of a local XXXX restaurant here in XXXX XXXX, XXXX 's in XXXX XXXX, have been seeing random charges hit their debit and credit cards. The restaurant uses the Clover POS system. The restaurant is claiming that customers who visited between XXXX and XX/XX/2021 were not actually having their cards charged due to " payment processing errors. '' They now claim they are " catching up '' on charges from months ago. To consumers, who don't remember they ate here months ago, are of course just seeing the charges and thinking they are fraud. In addition, there was no warning or communication that they would be charging customers cards well after their visit to the restaurant. As a consumer I am concerned that a merchant can maintain my card information so long after a visit and effectively charge my card without me being present. This seems borderline illegal, especially because these charges could result in consumers being hit with overdraft fees not expecting these charges to hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
This is updated information! I've contacted this company numerous times to report identity theft, this account is not mine. I submitted a FTC Identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2022 i tried to make a purchase of {$27.00} with my Wells Fargo credit card and again it was declined. i have a {$50000.00} limit on my card and it keeps getting declined. i received an email asking if i made the attempt to use my card and if it was good click here to correct. i did that and a red page came up saying STOP do not use this page. 

i called Wells Fargo and got 4 different people who could only say " sorry ''. i asked they lift such tight restrictions on my card. the answer was sorry no!!!! 

Wells Fargo has forced me to close every account i had with them as they were crooks using my money to open new accounts which is a well-known fact. 

They could care less, and they are costing me my reputation and time. Please someone 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 explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N 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 COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS 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 non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I received two cards in the mail. One was from cash app and one from XXXX I didnt ask or inquire about these. They were opened up in my name and I didnt authorize those. I called both companies about receiving these cards and they couldnt and wouldnt tell me anything about how or why these were sent to me. They said they needed more information to be able to cancel the accounts. Customer service for both companies is very unhelpful and not willing to help me fix this issues. I have had someone steal my identity and Im having issues with getting things fixed. I want this situation taken care of and these companies held accountable for someone stealing my identity and opening things without my knowledge. Im currently working with XXXX to fix these issues. Both cash app and XXXX have not been willing to fix and resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This company has the WORST customer service reviews I have EVER seen! I have called and emailed several times with NO response. HORRIBLE! I have tried several phone calls and messages to NO avail. Your company has the worst customer service ratings I have seen online! You bought my mortgage from XXXX and increased my payment {$300.00}!!!! I have tax records and insurance records that show NO such increase is valid therefore continue to pay the same monthly payment. No one has responded to letters, emails, phone calls or online chats for the increase!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I Applied For A Checking Account Recently And Got Denied I Then Checked My XXXX Report And Noticed A Account For BB & T ( Truist Bank ) Account # XXXX Creditors Account # XXXX I Also Received A letter Of This " Alleged Debt '' That Is Owed I then Contacted This Company With A Debt Validation Letter Asking Them To Validate The Debt On XX/XX/2021 The Company responded By Sending A Letter With A Balance On It For Amount Thats " Allegedly '' Owed Also They Had On Letter " This IS A Attempt To Collect A Debt '' This Is A Violation Of 15 USC 1692 ( b ) ( 5 ) I then Sent Them A Affidavit Of Truth On XX/XX/2021 With Proof Of The Violations Also A Cease And Desist Letter Asking Them To Stop Reporting This " Alleged '' Account To XXXX With A Invoice For {$8000.00} For Their Federal Violations XXXX XXXX Has Caused Me Great Stress, XXXX, Mental Anguish I'm Unable To Get Approved For A Home Loan Because This Is On My Chexstsystems 15 Usc 1681 ( a ) ( 4 ) XXXX XXXX XXXX XXXX in reporting this Erroneous without consulting with me first the consumer And 15 USC 1681 ( b ) ( 2 ) I Never Gave XXXX XXXX Written Instructions To Furnish This On My Credit Report I Plan To Seek Litigation And Also I'm Going To Take To Social Media About How They Are Violating The Consumser Rights That Governs Me And I Will File A XXXX  Complaint And Attorny General

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 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Nothing happened, l keep getting scammers callers.

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 2022-01-28 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: TX

Complaint narrative:
I Sent out multiple letters to XXXX due to a unknown account on my credit report XXXXXXXX # # # # # # # # and was ignored by XXXXX on XX-XX-XX and XX-XX-XX

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 2022-01-28 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:
The issue has been ongoing since XX/XX/XXXX. There was XXXX negative items showing on my credit report that were fraudulent and I had no knowledge of the creditor on my credit report. 
1. XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX _ original debtor ( XXXX XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX $ XXXX XXXX _ original debtor ( XXXX Rental ) 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX debtor ( Surge ) I contacted Experian, XXXX and XXXX and XXXX a dispute with them around XX/XX/XXXX. They all conducted investigations, XXXX and XXXX cleared the item from my account, however Experian did not, Experian state that the creditor meet XXXX guideline, which was odd as the other to agency did not feel that they did, so I begin to investigate on my own around XX/XX/XXXX and find out that. 
1. Both the XXXX XXXX XXXX collection were from a company call Acceptance rental, I phone Acceptance rental and was able to determine that someone used my information to obtain furniture, but the original application didn't had my correct social security number, Acceptance use the a copy of licenses the perpetrators had given them at the time of application to gain my information ; I also found out the debt was over XXXX XXXX XXXX. but the Collection agency is reporting as this debt occurred in XXXX. I contacted Experian with the information I had obtain and they still refused to remove the item stating that there investigate result state that the credit meets the XXXX XXXX. 

2. XXXX XXXX XXXX, was contacted by me on XX/XX/XXXX, they were not able to give me information on the outstanding item because they said my information I gave them did not match there record, they also have report the item as being initiated in XXXX and XXXX bank has confirmed the item was older than XXXX but could not talk to me further because my information only partial matches their information in the file. Since the remove of this item from my XXXX report, XXXX XXXX XXXX has once again place the negative item on the XXXX and Experian report. No one want to talk with me because they say my information doesn't match what on their file, however they are placing a negative item on my file, how is this possible if they don't match accordingly to the third party collection agency.

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 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank
State: SC

Complaint narrative:
Two problems. First : I paid off my home mortgage with Synovus Bank on XX/XX/2021. I contacted Synovus the following week to ascertain when my funds remaining in escrow ( for property taxes and insurance ) with Synovus would be refunded to me. I emailed back and forth with a woman named XXXX at Synovus who told me the banks policy is to refund escrowed monies 22 business days after the loan is paid off. 22 business days is far too long for Synovus to hold my monies, but the bank would not agree to do it sooner. 

Second and main problem : I finally received a check from Synovus for the above funds on XX/XX/XXXX and, using my mobile banking app, deposited same in my XXXX XXXX Bank checking account. On XX/XX/XXXX I received notification from XXXX XXXX via text and email that they had placed a hold on this deposit and deducted the full amount from my checking account. I immediately contacted XXXX XXXX to determine what the problem was. I spoke via phone with XXXX who told me XXXX XXXX was not able to verify availability of funds with Synovus and therefore we put a hold on the deposit. 

I then called Synovus and spoke with XXXX who, after looking at the Synovus account the check was drawn on, told me there were no issues with the account and no reason for XXXX XXXX to hold the deposit. 

I called XXXX XXXX back on XX/XX/XXXX speaking with XXXX and then XXXX in the Client Advocacy Dept. who told me XXXX XXXX had received notification from Synovus that there had been suspicious and/or fraudulent activity in the Synovus account the check was drawn on and thats why XXXX XXXX put a hold on the deposit. 

I promptly called Synovus back, spoke with XXXX again and relayed the information regarding the Synovus account given to me by XXXX XXXX. XXXX said she would check with her Payments Dept. about this and call me back. She called me back after checking with her Payments Dept. And said there were no problems on Synovus end and that XXXX XXXX should have no issues with clearing my deposit. XXXX also told me I could take the check to any Synovus branch and they would cash it. Unfortunately, there are no Synovus branches anywhere close to where I live. 

Frankly, I dont know whats going on between Synovus and XXXX XXXX XXXX I feel like Im caught in the middle of something I cant fix. Please help me get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I applied for and was approved for a Lane Bryant credit card on XX/XX/2021. 

I used the card and purchased XXXX worth of clothing. I never received a bill or credit card from them and called XX/XX/XXXX or close to that date asking where my statement and card was. They were supposed to remedy the situation and I have been waiting for the replacement card and a new statement. 

They did reverse the late fees and interest because I did not receive either. I told the clerk at the store my correct address including the po box number and street address. At my first call to the company I told them again my po box and street address. I have not received an updated statement or credit card from the first XXXX telephone call. 

Today I called and asked about the replacement card and statement and they said I would have to send in a current utility bill with my address and name on them. This was never told to me at any time when I applied for the card or when I called and asked for a replacement card. I am trying to pay the bill on my banking site, but I don't have an account number to put on the payment site. I am never late making payments on any account that I owe. This makes me look bad and I don't appreciate the run around I am getting since I did give them the correct information. The contact at Lane Bryant gave the post office and holiday excuses. I went to the Lane Bryant site after hanging up from the representative and was going to pay my bill. She told me they could get my number with the last XXXX digits of my Social Security number. Not right, it doesn't work that way. They want to know the card number and I don't know the card number because I don't have the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
From PNC Bank, on XX/XX/XXXX, there were numerous unauthorized wire transfers in which PNC ignored their own security alerts. PNC was alerted that these transfers were unauthorized transfers before PNC transferred the money out of my account : 1. XX/XX/XXXX Unauthorized transfer of {$990.00} + {$25.00} wire transfer fee 2. XX/XX/XXXX Unauthorized transfer of {$990.00} + {$25.00} wire transfer fee 3. XX/XX/XXXX Unauthorized transfer of {$990.00} + {$25.00} wire transfer fee 4. XX/XX/XXXX Unauthorized transfer of {$1000.00} + {$25.00} wire transfer fee 5. XX/XX/XXXX Unauthorized transfer of {$1500.00} + {$25.00} wire transfer fee My daughter is a witness to these unauthorized transfers. She, my daughter, is the user of this custodial account I set up for her financial protection. PNC will not return my calls of concern and told my daughter that I am responsible for the wire transfers. I have called PNC three times, spoke with the manager, and called their security-line 3 times. I have been hung up on, told how sorry they are ( but told there's 'nothing ' they can do ), and even denied 'where " the money transfers were sent ( they said they don't have documented proof to show me ). 
All of my banking access is secured with a 3rd system cell phone code, so my accounts could NOT have been logged onto to make the Money Transfers. My daughter has been given PNC account alerts to any unauthorized activity AND does respond " yes '' or " no '' to any activity ; however, there was NO alerts given on these Money Transfers of XX/XX/XXXX. 

Can someone help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NJ

Complaint narrative:
I.Q Data International contact me to collect end of lease charges from XXXX XXXX XXXX XXXX Apartments which did not include a discount from the security deposit. After explaining with I.Q Data representative that XXXX XXXX XXXX XXXX Apartments is not including the security deposit in the XXXX statement they threaten with reporting the debt to a credit bureau and continue charging interest on the debt. Therefore, we were force to pay under protest. On the other hand, XXXX XXXX apartments claim that the previous property manager took the security deposit money and that they do not have it. They also ask me to contact that person. The lease shows is the same company XXXX XXXX XXXX managing the account and I shouldn't be looking for individual persons. 
I.Q. Data International was not interested in fixing the amount they were charging and only threatening with additional actions, information was provided including copy of the lease stating the amount of the security deposit but there is no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: CT

Complaint narrative:
On XX/XX/24, I received a text message from a number claiming to be wells fargo asking if I had authorized a transfer through XXXX. After replying with the number 1 that I did not authorize this, I was then called by the same XXXX number by a person claiming to be a Wells Fargo representative. They then walked me through steps that were supposedly to help protect my account, when in reality I ultimately wired them {$1000.00} through XXXX from my wells fargo checking account. Wells Fargo denied my claim, telling me that they do not cover wire fraud since i initiated the transfer when in reality I believe that Regulation XXXX should cover me for this since I was contacted by these individuals and the scam was initiated by them. Since this happened, wells fargo sent an email to all of their account holders explaining this scam, which tells me they have known about it for a long time.

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 2022-01-28 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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