vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY

Complaint narrative:
It started several weeks ago ( mid to late XX/XX/2023 ). My wife and I live much of the time in XXXX. I am XXXX and my money is in the XXXX. I have a bank account in XXXX and replenish it using XXXX a money transfer company. XXXX instituted new controls and after repeated attempts on my part to send them the documents they needed they still claimed they could not read the documents and they dropped my account. I appealed that but it took several weeks to get reinstated. My XXXX funds deposit money monthly into my Wells Fargo account. I could not access my funds because I share my XXXX phone ( which Wells Fargo uses to send a verification code ) with my son in XXXX, and my son can not be reached. I had earlier tried to order a secure number generator and was told by the phone rep at Wells Fargo that it was more or less hopeless to have one sent overseas. I tried to reason with WF to send a code to my email and they refused. We then requested one of my wife 's friends in the XXXX to order us a SIM card and we had it sent to us via XXXX. After receiving the SIM card I found our account was still blocked. I called WF numerous times ( I would estimate at leat 20x ) talked with customer service in XXXX, and in the XXXX. The Fraud Department in XXXX, the Fraud Department in the XXXX, the 'Account Takeover ' group in the XXXX . On one Saturday I spent over 11 hours on and off the phone with WF. Each time they told me my account is unblocked. Finallly a few days later again spoke with WF in XXXX and one of the customer service reps checked some other data base and said the problem is that our new phone number must be verified. She told us she initiated that procedure on our behalf and that the procedure would take 3 days but 'to be sure ' wait 4 days and try again. Tried again on the 4th day and again transaction would not go thru. Called WF again, asked to escalate to a supervisor. Supervisor said the procedure takes 5 days and wait till end of day XXXX Monday. I just waited till past XXXX Pacific time tried again and account is still blocked.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX In accordance with the Fair Credit Reporting Act XXXX  with Account # XXXX has violated my rights.

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

15U.S.C 1681section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX In accordance with the Fair Credit Reporting Act XXXX  with Account # XXXX has violated my rights.

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

15U.S.C 1681section 604 A section 2. It also states a consumer reporting agency can not furnish an 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 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX at XXXX I made a cash deposit in the amount of {$1100.00} at a CitiBank Branch atm at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The atm said due to a technical error we can not accept nor return your cash deposit. And it printed a record stating Im sorry. Because of technical problems, I cant return your cash right now. I immediately called the customer service number provided XXXX the message said that the mobile bank system experienced and outage and would take an hour to restore however that didnt apply to the transaction I was making, and the customer agent said try to make a second deposit. I made a {$20.00} deposit and it cleared just fine at XXXX. No one could help me with this technical error matter because on their end it didnt show the deposit. Which was the point I was trying to make to them if it didnt accept nor return my deposit of course its not going to reflect on their end. I contacted the XXXX police dept to make a police report and they said they dont make police reports regarding situations like these.

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 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Over the span of two months ( XXXX XXXX XXXX ) someone was using my credit card to make purchases through XXXX  ( XXXXXXXX XXXX and XXXX ) without my knowledge or permission. Once my card got overdrawn and I was notified that someone was trying to make purchases toward my account I checked the mobile app and saw that I was indeed overdrawn even though I had stopped using the card altogether over a week before I was notified. I called navy federal and together with a clerk we went through my transaction history on my card and my XXXX  history and anything that was on my credit card statement but not on my XXXX  history was marked as fraud. The amount came out to {$2200.00}. After my initial fraud claim got denied I was told to get proof from XXXX such as the transaction history and send it to the bank so I did that and even though I sent my XXXX transaction history, I was told that wasnt good enough evidence for the appeal. I was then told to find other pieces of evidence and when I asked what else would suffice I was told that I would need something from XXXX stating the purchases were fraud. After talking with XXXX for a few weeks they acknowledged the fraudulent charges and said they would refund me ( they still havent after almost a month ) and I sent a screenshot of that to the bank after I still hadnt received my refund ( as I was told to do by another Navy Federal bank clerk ) but the investigator said that still wasnt enough. After asking again what I could get that would be seen as sufficient evidence I was told that there was not going to be another appeal chance and that I would have to deal with it directly with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have sent in my XXXX payment for the amount of {$13000.00}, after which I called and verified that they had received the payment as I use two payment processors- one is called XXXX which transfer the money automatically into their account and the second one uses check to send which is called XXXX. I received my payment for the month of XXXX back on XXXX XXXX XXXX with an explanation that SLS does not accept credit card checks as payment. 
I called XXXX and verified that their check are not credit card checks because I pay them with a 3 % fee and they pay your any bill with their own account that is not linked to any credit card.

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 2023-10-17 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX In accordance with the Fair Credit Reporting Act congruent with Account # XXXX has violated my rights.

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

15U.S.C 1681section 604 A section 2. It also states a consumer reporting agency can not furnish an 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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit report is still showing late payments on XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
EQUIFAX TOOK THE FAX OPTION AWAY AND ARE TELLING CONSUMERS TO ONLY MAIL THEIR FRAUD DISPUTES. THERE ARE 2 FRAUDULENT ACCOUNTS ON MY CREDIT FILE THAT I AM DISPUTING AT THIS TIME. I AM ATTACHING ALL DOCUMENTS TO THIS FRAUD DISPUTE SO YOU CAN SEND IT TO THE MAILROOM SO THEY CAN PROCESS IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I require an explanation for this claim, as well as an explanation of how you have ensured adherence to the precise rules you are charged with enforcing. As a result of the bogus accounts that continue to appear on my credit record, I am contacting you in great annoyance and shock. It has come to my knowledge that there hasn't been a suitable resolution despite my multiple attempts to fix this problem. Not only is this circumstance hurting my financial reputation, but it is also causing me a great deal of emotional pain. 
Therefore, it is necessary to look into the following facts. I humbly ask you to see the contract, note, or other document with my signature on it as proof of this purported item. If it doesn't work, the item needs to be removed from the report right away : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This new complaint is in reference to XXXX I have filed recently with CFPB with Bank of america .

I have been a victim of fraud and identity theft si
nce last year. Recently I had some unauthorized withdrawals from my account. I followed the steps from the bank and I also advised them that I did file a police report for identity theft in which they did not bother to get.

I did speak to an employee at bank of america named XXXX XXXX on Friday XX/XX/XXXX he stated he worked in a " Executive position. He advised me that bank of america has me on cameras showing where I made these transactions. I did ask XXXX XXXX if he personally knows how I look or who I am and he stated no. I did ask him if he can use my Identification drivers license to compare the person in question and he stated bank of america does not have my ID on file.

I did ask for a copy to be sent to me in which he couldn't say yes or no that he will be sending the evidence. I did ask him if my Drivers license matched the description of the person in question and he did advise me that bank of america does not have a photo Identification of myself.

Due to the fact that I have been a victim of identity theft I highly believe that my identity has been stolen due to bank of america not having a tight security of my deposit account and falsely identifying myself without bank of america having a legal Identification photo of their customers. 

Bank of america will not give me my money back from withdrawals I haven't made during the time I was XXXX  and XXXX XXXXXXXX. 

Last paycheck bank of america XXXX garnished my money without notice to be sent via Mail or a phone call as stated by federal guidelines under CFPB " If the bank or credit union determines that the transactions were in fact authorized, it must provide you with written notice before taking the money that was credited to you during the investigation out of your account. 

Also bank of america failed to comply with CPFB for the 45 day time frame to complete its investigation that was initiated on XX/XX/XXXX also no notices were sent to me via mail as requested. 

I did advise XXXX XXXX XXXX if I can send a " selfie '' of myself and my Identification drivers license and he gave me a false email address to its " claims department as stated on our recorded calls. I also wanted to provide police report in which he did not seem interested in.

I did not want to post my medical condition due to embarrassment bit I believe they are saying I am lying about my recent diagnosis. I habe attached my FMLA with my doctor stating I can XXXX XXXX or work due to my XXXX XXXX. So how could I have made these transactions during my XXXXXXXX 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 2023-10-17 00:00:00
Product: Credit reporting 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:
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 XXXX5 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.

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 2023-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Disputed twice with XXXX and came back as verified. However, with XXXX it was deleted due to not providing the purchase agreement and payment history as request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX. As a result I am the victim of identity theft. XXXX XXXX XXXX is helping and can not see my personal information. I'm trying to have the proper information added and the false personal information removed.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XX/XX/ Bank of America pulled a hard credit inquiry then issued me a new credit card with a {$28000.00} credit limit. This was entirely unsolicited and without my approval. 

I called them and they claimed they would cancel the card and reverse the credit inquiry. 

This is after their recent fines for t doing the same thing.

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 2023-10-17 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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 response to consumer: Closed with non-monetary relief