vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2023, I opened a Wells Fargo Bank XXXX XXXX account that required {$25000.00} in deposits to be made by XX/XX/2023 in order to qualify for a {$520.00} savings bonus so long as the {$25000.00} was maintained in the account until XX/XX/2023. I met these requirements. The offer code was XXXX. 

The bonus, according to the Wells Fargo savings bonus promotion, would be deposited in my account by XX/XX/2023. This did not happen. On XX/XX/2023, I spoke with the Wells Fargo banker who opened my account to inquire about the missing bonus. She stated that I fulfilled all of the requirements and that the bonus should post no later than the end of XXXX. When the bonus had not posted by XX/XX/XXXX, I went to see the XXXX XXXX XXXX XXXX. He called the Wells Fargo back office. The representative told him, in my presence, that I had fulfilled all of the requirements and that the branch manager should submit a form to escalate the matter so that it could be resolved. The form was filed in my presence. The manager asked me to check back with him in 10 days. On XX/XX/XXXX, I again saw the manager. He again contacted the back office. I was again reassured that I had met all of the bonus requirements. I was told to expect a telephone call within XXXX days. That did not happen. On XX/XX/XXXX, the manager again contacted the back office and was informed, in my presence, that I had not met all of the requirements for the bonus. I never received any written communication from Wells Fargo regarding this. As a consequence of Wells Fargo 's representations that the bonus would be forthcoming, I kept the {$25000.00} in my account, earning virtually no interest, until XX/XX/XXXX when I withdrew most of the funds. The account, however, remains open.

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 2023-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MT

Complaint narrative:
On XX/XX/2023 I paid my phone bill with XXXX in the amount of XXXX. As their website states, they bill one month in advance. On XX/XX/2023, I switched carriers to XXXX and cancelled my verizon account XXXX The following month I received a bill for XXXX dollars and some change. I immediately phoned XXXX to inquire about the bill. The first call the fella attempted to tell me my billing started on the first. If that is the case, then why do I pay on the XXXX? I called back after I had calmed down and spoke with someone else who acknowledged that I didn't owe this money and that I was in fact owed the balance on the account, {$71.00}. I kept getting phone calls and bills from XXXX and I kept calling to inform them that it was in error. I phoned them again, this would be the third time, and spoke with someone who again told me that this bill was in error and I DID NOT owe this money and that i should be receiving a refund credited to my checking account. After receiving another call about them trying to collect on this bill I called AGAIN. I was told to ignore the phone calls as it takes them a bit to get all of this information in the system and moving. Unfortunately, the 5th phone call I received I didn't receive well and blew up at the poor gal on the other end. In XXXX of XXXX my husband had a XXXXXXXX XXXX  and we were not at home to receive any mail and I did not receive bills until we arrived home in XXXX. On XX/XX/XXXX I received an email from a company named Sequium who were trying to collect this debt from XXXX. I have submitted a dispute letter to them in accordance with their rules. I find this atrocious. I DO NOT owe this debt and am hoping for some help in resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XX/XX/23 Opened XXXX XXXX XXXX at a store location through customer service. 

I never received the credit card or credit card statements. 

XX/XX/23 I contacted XXXX XXXX card services to report that my credit card was never received. Customer services representative updated my address on my profile. The address on file was incorrect, so the credit card and statements were going to the wrong address. Customer service stated that my account was more than 30 days past due. I immediately paid the account and requested that the late payments and late payment reporting be removed from my account and credit report. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 TD Bank XXXX XXXX XXXX XXXX sent a letter stating that all reference to late payments have been removed and removal has been reported to XXXX, XXXX, XXXX and XXXX. 

XX/XX/23 XXXX XXXX XXXX XXXX XXXX after contacting all four credit bureaus because the late payment reference had not been removed from my credit report. Customer service representative stated that they would send the information to remove late payment reference. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 XXXX XXXX XXXX XXXX XXXX again because because late payment reference still not removed. Customer service representative stated they would review my account again. I requested the employee 's ID number. Employee refused to give me any confirmation number of action or their employee ID number. Requested to speak to a supervisor, who also just stated that they would review my account. Supervisor refused to give me their ID number. Supervisor would also not transfer me to a higher level supervisor. The supervisor, XXXX, stated that she would sent the request to all credit bureaus to remove the late payment charge. She would not confirm that I would receive a response from XXXX stating that such action was taken, nor would she provide me a confirmation number or anyway to follow up on this outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I have recently discovered that I have been a victim of identity theft. I am writing this personal statement on my own behalf. My information was utilized to apply and or obtain for financial goods and/or services without my knowledge or consent. I am requesting that the following information be removed from my account : XXXX XXXX XXXX. I am a victim and did not make these changes nor authorize this account to be opened. According to the provisions of the Fair Credit Reporting Act I am entitled to a formal investigation and update of my report. I am requesting this account be removed and a free copy of my report with this change be provided to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: PA

Complaint narrative:
My name is XXXX XXXX, and I have recently discovered that I have been a victim of identity theft. I am writing this personal statement on my own behalf. My information was utilized to apply and or obtain for financial goods and/or services without my knowledge or consent. I am requesting that the following information be removed from my account : XXXX XXXX XXXX. I am a victim and did not make these changes nor authorize this account to be opened. According to the provisions of the Fair Credit Reporting Act I am entitled to a formal investigation and update of my report. I am requesting this account be removed and a free copy of my report with this change be provided to 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 non-monetary relief
Consumer complaint received 2023-10-21 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: TX

Complaint narrative:
Took out a loan to attend XXXXXXXX XXXX XXXXl through my XXXX XXXX XXXX  Well they ended up not providing my training and instead they sub contracted me out to XXXXXXXX XXXX XXXXXXXX an unaccredited for profit training company that has since gone out of business.. I wrecked my truck and had a XXXX child that is now on ssi and it has been very hard.. We ended up filing for bankruptcy and included these loans which there was 2 from XXXX XXXX The loans are listed on my Creditor list and all were discharged.. They continue to try and collect and have resold the loans several times.. Every time i dispute them they pretend they are qualifying student loans that have protections and should not be dischargable.. These loans are dischargable and i can not get help from anybody even after showing them the list of creditors included these loans and explaining they were not actually qualified educational loans that should be protected from bankruptcy discharge.. Recently one of them was sold to XXXX XXXX and has destroyed my credit yet again.. Please 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 non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-10-21 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: SLM CORPORATION
State: TX

Complaint narrative:
Took out a loan to attend XXXX XXXX XXXX  through my local XXXX XXXX.. Well they ended up not providing my training and instead they sub contracted me out to XXXX XXXX XXXX an unaccredited for profit training company that has since gone out of business.. I XXXX my truck and had a XXXX child that is now on ssi and it has been very hard.. We ended up filing for bankruptcy and included these loans which there was 2 from sally mae.. The loans are listed on my Creditor list and all were discharged.. They continue to try and collect and have resold the loans several times.. Every time i dispute them they pretend they are qualifying student loans that have protections and should not be dischargable.. These loans are dischargable and i can not get help from anybody even after showing them the list of creditors included these loans and explaining they were not actually qualified educational loans that should be protected from bankruptcy discharge.. Recently one of them was sold to XXXX XXXX and has destroyed my credit yet again.. Please help me..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2023, I noticed that I began to receive charges from a merchant called XXXX. I immediately contacted my bank and informed them about the charges. The initial claim was filed in XXXX, my account was credited almost {$1000.00}, and the claim was closed with no issues. The agent that submitted the claim advised me to call back and submit another claim if I discovered more charges. On XX/XX/XXXX, another claim was filed for the same merchant with my bank. There were a total of XXXX unauthorized submitted with the new claim. On XX/XX/XXXX, my claim was denied after being promised provisional credits for two weeks. On XX/XX/XXXX, I contacted the merchant directly, who confirmed I do not have an account with them and someone indeed made fraudulent charges. After speaking to the merchant, I contacted Wells Fargo AGAIN. I got to the claims department, talked to a representative, and explained what the merchant told me. She stated that my claim had been denied and she couldn't reopen the claim. I asked if the merchant had sent an email saying they closed the account that contained my payment information, the charges were unauthorized, and they needed to work with my bank regarding a refund. And I asked what I needed to do to resolve this issue. She told me to send that email to the claims department, and someone would contact me within XXXX hours. She gave me the email address and told me to send over an email from the merchant stating the charges on my account were fraudulent, and we would go from there. Once again, I am still waiting to hear back from Wells Fargo. This situation has caused my son and I to lose everything we own, and we are now homeless. I have contacted the Executive Office at Wells Fargo, which continues to give me the run-around. I have attached all of the transactions below.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX It's showing that I have several late payments. But here 's the thing, these late payments that have been posted and reported are all incorrect and are a violation of the FCRA. Please cite and review the documentation that has been uploaded as evidence of their reporting agencies ' violations, which displays their lack of respect for the laws that protect the consumer. 

The malfeasance and disregard that these reporting agencies show to the consumers is disgusting and needs to be checked. These crooks are violating the law and getting away with it and it's unfair and very hurtful to me and my social standing. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth Third bank has a loan advance service similar to payday loans. Loan advances are made and paid back through paycheck direct deposit dates. I have done this a couple of times using my checking account. I initiated an advance on XX/XX/16 in the amount of {$650.00}, agreeing to pay the fee that serves as interest. On the XXXX I transferred money from an external account into my XXXX checking out. Fifth third decided to take back the loan with interest before I could use the money. I called when I saw this transaction pending and asked why. XXXX, the CS rep said per the terms and conditions it was because money was coming into my checking account and apologized. I told him that money that was coming into my account was a transfer and not a direct deposit, he offered another apology. After reading the terms and conditions on my phone which clearly states that payment is collected from a direct deposit, I called XXXX back and asked for a supervisor. After explaining the reason for requesting a supervisor again, XXXX the account supervisor clearly misstated the terms by adding " it's any ACH '' which was not part of the language in the statement I read. I proceeded to end the call since she was giving me pushback and not supporting what was clearly in black and white. The information clearly states I have 45 days to repay the advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: United PanAm Financial Corp.
State: DE

Complaint narrative:
I did not contact these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The XXXX ( Webster Bank ) account is a joint account between my wife and I. We setup my wifes checking account as an external account to transfer funds to our XXXX account. After successfully validating the account using two small deposits method, Webster bank suspended our account. They asked for a copy of the bank statement from the chase checking account, and while we provided that to them, they have not unlocked the account or given an estimate of when itll be unlocked. 
Also, we had a transfer of {$6900.00} from our XXXX XXXX XXXX  account that was supposed to be deposited on XX/XX/2023. However they are not confirming that its deposited and we dont have access to log into our account to make sure its depositted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
I was notified in XXXX XXXX that repayments would be restarting even though I had been in graduate school since XX/XX/XXXX which I had previously submitted by loan deferment request. I was previously with XXXX but after the switch to Mohela, apparently all the information was lost. As a result, I am being charged for loan payments and interest on my subsidized loans even though I should be in deferment and the interest on my subsidized loans should be paid. 

I submitted a new loan deferment request in XX/XX/XXXX but apparently the request has not been processed yet ( expected to take 90 business days to process! ). As a result, I have been charged interest and repayment amounts that I should not be charged for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Marcadis Singer PA
State: FL

Complaint narrative:
On XX/XX/2020 funds were garnished out of my bank accounts totaling {$1500.00}. The bank also imposed a {$120.00} legal fee. The funds that were garnished were unemployment funds that I transferred from my checking into my savings account which I have attached. I have also attached supporting documents showing that I was receiving unemployment from XXXX. I also have supporting documents showing I filed an exemption with the clerk of courts. I also never received any prior correspondence from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prior to garnishment.

Company response to consumer: Closed with explanation