vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo had a lawsuit and I never got a check, my XXXX was stolen and someone in XXXX va made a postal account in my name, did you send them my checks? If so were they cashed? If not then my checks need to be sent to me the rightful person

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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Around a year ago I had multiple XXXX transactions. I went to the bank and they said that the transactions were approved by my phone number and that it was done through my phone number which after that they said if I want to investigate that further I had to call customer service. when I called customer service they open the claim and they started looking into it. But after that, I had severe problems with online banking anything that would happen in my account, I will get kicked out or logged off. I wouldnt be able to reset my password. Any time I went inside of the branch there has been nothing they couldve done. They always say wait 24 hours and then I had multiple transactions that have been frozen as well as direct deposits and I did not know that until I asked at the branch what is my balance and it did not match up with the logic of how much money I have there because that certain point I gave up on trying to get back into my online banking. For the past month Ive been promised multiple times to get a meeting with the manager to figure out everything thats happening in my bank at this moment and multiple times I had cancellations and nothing has been done or resolved about this issue.

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 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
NAVY FEDERAL CREDIT UNION denied me a consumer credit transaction. They are in violation of 16 CFR 433.1. They are not exempt because of 16 CFR 433.3. I am a consumer according to 15 USC 1693 ( E ). They are in violation according to the Truth and Lending Act. Credit is the right that is granted to me. They have denied me this right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express National Bank closed my account and did not return my funds. I called on XX/XX/XXXX when I was unable to transfer funds. They informed me that the bank had decided to close my account on XX/XX/XXXX. I made 3 successful deposits into the account ; XX/XX/XXXX for {$4000.00}, XX/XX/XXXX for {$20000.00}, and XX/XX/XXXX for {$50000.00}. The account had been open since XX/XX/XXXX. When I asked how I would be able to recover my funds, they informed me they would not send me my funds and that I would have to contact the originating bank to have the funds reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TX

Complaint narrative:
To whom it may concern, in accordance with the Fair Credit Reporting Act XXXX  Acct # XXXX XXXX ACCT # XXXX XXXX XXXX , ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right yo 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 2023-07-24 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX account name is XXXX 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 non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: GA

Complaint narrative:
To whom it may concern, I am writing to dispute an unauthorized inquiries on my credit report. I retrieved a copy of my credit report from a few organizations and noticed a credit inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX -, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX Sincerely, 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 2023-07-24 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.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 explanation
Consumer complaint received 2023-07-24 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: SC

Complaint narrative:
My bank account has been getting charged for experian monthly services for several months now. When I called experian on XX/XX/XXXX the representative told me to go online and verify my phone number or verification method to get into my account. When trying to get into my account the verification method is someone else phone number. After I stated this the representative told me it was a technical issues!!! I stated that thats fraud I cant get into an account that youve been charging me for for months and the phone number listed is not mines. The representative still insisted that it was a technical issue and wanted me to put my new phone number on file so she could delete the old one. I told her no I would be making a fraud alert. Ive had this issue several time in the past started in XXXX while I was XXXX XXXX in the Military. Ive filed police identity fraud reports in XXXX, XXXX through XXXX. This has been an ongoing problem even when I put my credit profile on lock or place A credit fraud someone stills runs it no one calls to verify my information and the creditors wont delete!! Experian has been sued plenty of times for leaks of personal information and still have yet to reimburse me for any of the problems this has caused. If someone else number is listed I cant even get in the account TRAIN YOUR REPRESENTATIVES to know the difference between TECHNICAL AND THEFT. If an authorization is used to get into someones account thats a SECURITY METHOD/RISK NOT A TECHNICAL ISSUE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
I disputed sum items that I proved was fraudulent and the credit bureau removed the items and put them back on my report after 30 days. My rights are being violated.

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 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
mailed by check on XX/XX/XXXX for more than the amount due paying extra on the principle, noticed my check has not cleared my bank on XX/XX/XXXX, spoke to rep at SPS Servicing on XX/XX/XXXX and she said check was received on XX/XX/XXXX but not applied to my account yet, called XX/XX/XXXX told check was received but not applied yet give it until XX/XX/XXXX, called XX/XX/XXXX check still not applied to my account - was told it waiting to be processed - asked to speak to supervisor because received a late notice on XX/XX/XXXX - supervisor told me she is escalating for my payment to be processed - said because it was more than I owed the system rejected the payment- I sent in the payment coupon showing I wanted to extra applied to my principle and I can't not understand why my payment would be rejected and no one has contacted me about it - she said they had to do research to see if there was a prepayment penalty for overpayment - I explained the her they have had the check for over 12 business days - how long does it take to do research and to deposit my check? She replied she had no idea why the process was so long

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
XXXX XXXX Has reached out to me claiming that I owed them {$2600.00} I was incarcerated when this bill was created I have never had any medical assistance at this physician office.

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 2023-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. After failing to send my investigaion 30 days after recieving my dispute letter, they sent back the investigation results almost two months later. The information on my credit was concluded as accurate. I then received transaction history report from XXXX XXXX XXXX XXXX and realized that there were inaccurate information on the document. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer a reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. After failing to send my investigaion 30 days after recieving my dispute letter, they sent back the investigation results almost two months later. The information on my credit was concluded as accurate. I then received transaction history report from XXXX XXXX XXXX XXXX and realized that there were inaccurate information on the document. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer a reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX, I opened a business checking account with Bank of America, ( account number XXXX XXXX XXXX ), for XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX registred in Wyoming. Last saturday I couldnt get in my online business banking, and the Bank told me they will close the account, with no reason or any kind of explanation why they will close the account, the money is freeze in the account and the bank told me they will send the funds to the company in 10 working days and they not give any explanation why they took such decision creating me and my company a problems and no support

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2023 I wrote a check ( out of my XXXXXXXX XXXX account ) to pay my charge card bill to XXXX XXXX for {$1900.00}. On or about XX/XX/2023 I noticed the bill did not show a payment, so I checked my online checking account and noticed the check was cashed, but the payee was changed to a XXXX XXXX XXXX. I then filed a fraud claim with XXXX XXXX, who said I would receive a pending deposit back into my account, within ten days, until fraud department investigated. Once I was found not responsible for the fraud, my pending deposit, would be made good. After many attempts on my part to rectify the situation, I was told on XX/XX/2023 that Bank of America cashed the check on XX/XX/2023, so they are responsible to make good on the check. I was then told XXXX XXXXXXXX gave Bank of America 30 days to reply. As of this date ( XX/XX/2023 ) Bank of America has not contacted XXXX XXXX as to their position in this matter, they keep putting off a request XXXX XXXX sends every 30 days. Not only have I not received a pending deposit from XXXX XXXX, Iam put off every time I check on the status every 30 days. Local police also said they can do nothing at this point.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Bright Capital Inc
State: PA

Complaint narrative:
I signed up for bright credit builder account and paid the {$100.00} annual membership fee. They then logged me out of my account and took more money out of my bank. I tried to get online support and they said they'd email me and they never did. I then went on and used my same social security number and banking information to sign up and they let me open a new account. They should have recognized the social security number and said you already have an account that's paid up for the year but they just want to scam me out of more money. At this point I want a refund for the entire amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
According to 15 u.s code section 1681n I have experienced willful noncompliance with these consumer reporting agencies. They have failed to respond within 30 days mail, To start an investigation on my dispute for inaccurate and false information on my credit report which I sent on XXXX in US mail it is now XXXX XXXX. I am seeking to sue for damages of {$1000.00} for each violation. This has caused me an extreme amount of distress and defamation of my character. I also demand the items I have disputed be deleted immediately.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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