vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2022 I called the customer service number for Wells Fargo bank to close a business checking account and business savings account which I was not using. I asked the representative to close the account and transfer the monies from the accounts to my personal checking and savings accounts respectively. This was on Saturday, and it was not until Monday that I realized that the person did not in fact close my business checking account ( she did close the business savings account ), but actually closed my personal checking account. As of that Monday, the transaction was pending, but there was not a person whom I spoke to that could change the error. My personal checking account subsequently closed, I made numerous complaints to the bank, and no one ever got back to me. 

Since then, I have opened a new checking account. I deposited my paycheck on XX/XX/2022. Usually when I deposited checks, money had been made available right away, but this time I was informed that there was suspicious activity detected and a hold has been placed on the check. On XX/XX/2022, the check had cleared and the funds were available, but on XX/XX/2022, the funds were deducted again, with the reason being, suspected fraudulent activity from the issuing Account. The issuing account is XXXX XXXX, the same bank that I have deposited checks in from Wells Fargo for the past year. 

In this challenging time increasing prices, Wells Fargo has hurt my family. Wells Fargo banks terrible customer service, and ineffectual management of clear errors on their part is both pathetic and cruel.

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 2022-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights to privacy 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

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 2022-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My private student loan through Citizen 's bank has been deferred since I have been in school full-time prior to all of this ( XXXX ), but I wanted to make a payment to keep down the interest. In XX/XX/XXXX, I used my stimulus check to pay on my student loan ( {$1400.00} ) with XXXX 's, while still in deferment. Then on XXXX of XXXX, I was notified by XXXX XXXX that both my student loans had been sent to collections as a charge off for bad debt because I did not pay for 6 months. They were still in deferment at this point and I didn't think that was possible, so I called Citizen 's and they informed me that regardless of the status I needed to pay $ XXXX now or they couldn't help me. When I asked, " This would have never happened had I not made that payment in XXXX. '' He replied, " I can not answer that. '' I reached out to a non-profit who helps individuals deal with loan companies, but they were only able to advise me to contact the collections through mail only & keep records of all external contact with them in case they try to break the law. 
On my 3 credit reports, each total for these loan balances are different and some even note a {$0.00} balance. I have 4 accounts total on my credit report for XXXX student loans. 
Having 2 accounts open on each loan has created an even greater derogatory mark on my XXXX XXXX ( 1 showing a balance & XXXX {$0.00} ), which has left me questioning what is really my total balance given the different info at every turn. The collections has also given my XXXX XXXX a hit and I am now dealing with both XXXX 's & a collection 's agency for the same problem all while not making an income. 
This morning ( XX/XX/XXXX ), I received an email from XXXX stating that SOMEHOW my loan is back with Citizen 's & now I need to start paying them $ XXXX starting XX/XX/XXXX, when I'm still a full-time student & should have never been taken out of deferment to begin with & no reparations for the irreparable damages done to my XXXX XXXX or the collections agency who is still trying to collect on the $ XXXX themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXXt Account  XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights to privacy 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

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 2022-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 sections 602 A. States I have the right to privacy. 

15 U.S.C 1681 sections 604 A sections 2 : its also states a consumer reporting agency can not furnish a account without my 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 2022-06-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 sections 602 A. States I have the right to privacy. 

15 U.S.C 1681 sections 604 A sections 2 : its also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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:
In accordance with fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 sections 602 A. States I have the right to privacy. 

15 U.S.C 1681 sections 604 A sections 2 : its also states a consumer reporting agency can not furnish a account without my 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 2022-06-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I called the XXXX credit reporting agencies on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of Equifax, XXXX, XXXX speaking about how I have a right to privacy as a consumer to have the information removed that inaccurate and unfair to me as a consumer. The information that was requested to be removed from the report is the XXXX  XXXX in the amount of {$390.00} closed account also XXXX XXXX in the amount of {$930.00} closed account when I was denied assistance and my consumer rights were violated. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer. Before taking any adverse action and furnishing anything on my consumer report based on a part of my report Equifax, XXXX, XXXX is supposed to provide the consumer a copy of that report and a description in writing of the rights of the consumer which is me and I have not received such documentary evidence making sure this information is accurate, fair and suitable for me as the consumer. I have gotten in contact with XXXX XXXX also XXXX XXXX in relation to this inaccurate information which they will no longer report to the reporting agencies in the connection of collecting a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I called the XXXX credit reporting agencies on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of XXXX, TransUnion, XXXX speaking about how I have a right to privacy as a consumer to have the information removed that inaccurate and unfair to me as a consumer. The information that was requested to be removed from the report is the XXXX XXXX in the amount of {$390.00} closed account also XXXX XXXX in the amount of {$930.00} closed account when I was denied assistance and my consumer rights were violated. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer. Before taking any adverse action and furnishing anything on my consumer report based on a part of my report XXXX, Transunion, XXXX is supposed to provide the consumer a copy of that report and a description in writing of the rights of the consumer which is me and I have not received such documentary evidence making sure this information is accurate, fair and suitable for me as the consumer. I have gotten in contact with XXXX XXXX also XXXX XXXX in relation to this inaccurate information which they will no longer report to the reporting agencies in the connection of collecting a debt.

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 2022-06-15 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: CBC Companies, Inc.
State: SC

Complaint narrative:
XX/XX/2022, I recieved a letter from Innovis Consumer Assistance XX/XX/2022. I highlighted the statement Innovis requested from me. I have attached the documents Innovis Consumer Assistance has requested to block the fraudulent information. I also mailed Innovis Consumer Assistance, XXXX XXXX XXXX, XXXX, GA XXXX - Certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I called Experian and spoke with multiple representatives which was on a recorded line courtesy of Experian speaking about how I have a right to privacy as a consumer to have the personal information removed when I was denied assistance and my consumer rights were violated. I also filed a complaint on the CFPB website on XX/XX/2022, in regard to getting my personal information updated by removing the inaccurate addresses on the personal info. I was informed that I must have a specific disputes about this inaccurate information, so I filed and attached an FTC report stating how those addresses and other information on my consumer report is incorrect. I also attached an updated copy of my notice in regards of the inaccurate information that was furnished on my consumer report with the specific disputes. Its Experian duty to provide accurate and fair information on my consumer report. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs 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 non-monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a JP Morgan Chase checking account. In late XXXX and early XXXX, there were XXXX fraudulent checks written on my account, both were for {$9500.00} and totalled {$19000.00}. All of the XXXX documents were completed and sent to the claims department. My account was prompting credited for the second bad check on XX/XX/XXXX. In the meantime, I closed my old account due to the fraudulent activity occurring and a new one was credited. My account is still missing {$9500.00}. I have called the Chase claims department more than 15 times in the past two months to resolve this issue. Chase already stated that they received the funds back from XXXX XXXX XXXXXXXX, which is the bank where the forger of the first check deposited the funds. However, my account still has not been credited. I spoke to them last week and they even told me that the funds were " guaranteed " to show up in my account last Friday. It never happened. I also filed a complaint with the XXXX XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15 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: TN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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

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 2022-06-15 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: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Only the holder of the original note can collect on the debt that exists on the instrument. If you did not sell this instrument I need you to produce it. If you did sell my instrument you should have contacted me to inform me. Your company is furnishing an account to my consumer report without my permission. I am requesting the original document and physical proof one exists that gives your company permission to furnish this account to my consumer report. This document must be a bilateral contract between your company and my self that gives your company permission to furnish this debt on my consumer report. You must prove that I am the obligated party for repayment to you or delete this account from my consumer report. Providing a statement that you have an agreement with another company and not me is not sufficient proof that I owe your company anything. Continuing to furnish this account to my consumer report without providing the requested information is FRAUD and a violation of my consumer rights and I will not hesitate to bring legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On XX/XX/XXXX I sold my house and paid off the existing mortgage to Freedom Mortgage Company. I was subsequently sent an escrow refund check for the amount of XXXX. I could not cash the check because it had my ex wifes name included on it. I contacted Freedom Mortgage and explained to them that I needed her name taken off the check since the divorce decree had been satisfied by her having gotten her portion of the equity in the house. I was instructed to send in a copy of the final divorce decree verifying that the house was awarded to me. I sent in the divorce decree and was told that the check would be electronically deposited into my account but it hasnt been and it is going on a month. This same thing happened in XXXX and it was resolved by simply changing the conjunction between the names on the check from and to and/or.

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 2022-06-15 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: MD

Complaint narrative:
I have over 119 credit inquires on all XXXX credit reports and have several times to get them removed which has impacted my credit score. I have sent letters asking to have them removed and today XX/XX/XXXX nothing has been done. 

I am writing to you for help I look forward to hearing from you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
submitting this complaint against XXXX, TRANSUNION, XXXX and there is no third party involved. XXXX XXXX ' XXXX XXXX XXXX XXXX has my personal information INACCURATE on my consumer report. My name is spelled incorrectly ( Exhibits provided ) My address is inaccurate ( Exhibits provided ) The employer section is inaccurate I don't work at those places ( Exhibits provided ) Those phone numbers are inaccurate none of those numbers are my phone numbers ( Exhibits provided ) The name on my ID and social is how my name should be spelled The address on my ID is my ONLY address I DEMAND XXXX TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, A PLACE TO STAY, TRANSPORTATION AND MORE. XXXX is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which XXXX failed to comply. Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than

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 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I reach out to this company asking about a debt i have no knowledge of and they went about it wrong and saying the going to harm my credit report and all type of other stuff i have no knowledge of this debt at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: MD

Complaint narrative:
I have over XXXX credit inquires on all XXXX credit reports and have several times to get them removed which has impacted my credit score. I have sent letters asking to have them removed and today XX/XX/XXXX nothing has been done. 

I am writing to you for help I look forward to hearing from you. 

Sincerely, 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 explanation
Consumer complaint received 2022-06-15 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: MD

Complaint narrative:
I have over XXXX credit inquires on all 3 credit reports and have several times to get them removed which has impacted my credit score. I have sent letters asking to have them removed and today XX/XX/XXXX nothing has been done. 

I am writing to you for help I look forward to hearing from you. 

Sincerely, 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 explanation