vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Got cashier check from XXXX XXXX XXXX XXXX for XXXX, made deposit of the check in my Wells Fargo checking account and Wells Fargo put a ten day hold on it. 
Two employees in bank said there will be no hold on check. Next day got email from Wells Fargo that they have ten day hold on the check. On the check it says the check is same as cash.

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 2021-05-01 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: GA

Complaint narrative:
I've reached out to XXXX in the past. They sent me a letter ( see attachment ) stating that they didn't have any accounts for me. Later, they inserted information into my credit report with a different account number and almost doubled limit. XXXX is blatantly reporting information and changing account numbers to fit their purpose. I continue to attest that I have no accounts with 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 2021-05-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I CAN CLEARLY SHOW THAT I DID NOT COMMIT THE FRAUD CHARGES ON MY ACCOUNT AND I AM NOT THE PERSON THAT IS ON THE ATM VIDEOS. I WAS ALSO NOT IN THE STATE OR LOCATIONS WHERE THE FRAUD CHARGES HAPPENED. 
I WILL PROVE THIS IN COURT ( XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX. 



Dear XXXX Staff : I am suing  each person below from USAA Individually in XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX of staff USAA XXXX. XXXX XXXX XXXX of USAA XXXX. XXXX XXXX XXXX XXXX ( Registered Agent Name / XXXX XXXX ) USAA XXXX. XXXX XXXX XXXX USAA XXXX. XXXX XXXX XXXX XXXX  of XXXX USAA XXXX Please see attached legal summons to appear XXXX AT XXXX XXXX CC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FBI XXXX - XXXX XXXX XXXX division CC XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXXXXXX XXXX by USAA . 
CC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
CC XXXX XXXX XXXX XXXX XXXX XXXX 
CC XXXX XXXX XXXX XXXX 
CC XXXX State Attorney Generals Office CC Federal Trade Commission CC XXXX XXXX XXXX CC federal Reserve CC CFPB CC Law firm of XXXX XXXX XXXX All documents attached and have been presented to the court and law enforcement agencies and all Government representatives offices. 

___________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Please contact me if you want to resolve this matter 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 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: William D. Meeker Enterprises, Inc.
State: GA

Complaint narrative:
CIC/XXXX XXXX XXXX has inquiries in my credit report. I didn't give written or verbal authorization for anyone to check my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I have been misled and denied a fair lending opportunity by Wells Fargo bank for a refinance on my home loan. 

Due to the banks fault as admitted they falsely led me believe that my loan was approved and charged me fees such as application processing fees and appraisals. 

I was finally denied the refinance and after mich argument they relucantly refunded my appraisal but not the application fee. 

All relevand facts are included on banks response

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 2021-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I have two outstanding debts through XXXX contracting svc ( {$900.00} & {$1200.00} ). One of them has been double reported ( {$1200.00} ). It shows the same debt twice on my credit report. Original date of XX/XX/XXXX. I have disputed it multiple times through XXXX XXXX with no luck of having one of them taken off to reflect that it is only one account owed for that amount. 

In addition to that issue, on my credit report the date referenced does not reflect the actual date of the debt. The amounts are {$1200.00} from XX/XX/XXXX, and {$900.00} from XX/XX/XXXX. On XXXX and XXXX it shows XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: NV

Complaint narrative:
I CAN CLEARLY SHOW THAT I DID NOT COMMIT THE FRAUD CHARGES ON MY ACCOUNT AND I AM NOT THE PERSON THAT IS ON THE ATM VIDEOS. I WAS ALSO NOT IN THE STATE OR LOCATIONS WHERE THE FRAUD CHARGES HAPPENED. 
I WILL PROVE THIS IN COURT ( XXXX - XXXX XXXX XXXX  ) IN XXXXXXXX XXXX. 



Dear XXXX Staff : I am suing each person below from XXXX Individually in XXXXXXXX XXXX XXXX XXXX. 
1. XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX of XXXX 3. XXXX XXXX XXXX XXXX XXXX Registered Agent Name / XXXX XXXX ) XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXXXXXX XXXX XXXX of XXXX XXXX ( Please see attached legal summons to appear XXXX AT XXXX ) CC XXXX XXXX XXXX XXXX XXXX XXXX FBI XXXX - XXXX XXXX XXXX division CC XXXX XXXX XXXXXXXX XXXX XXXX  In XXXX XXXX XXXX XXXX by XXXX XXXX 
CC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
CC XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
CC XXXX XXXX XXXX XXXX. 
CC XXXX State Attorney Generals Office CC Federal Trade Commission CC XXXX XXXX XXXX CC federal Reserve CC CFPB CC XXXX XXXX XXXX XXXX  XXXX XXXX All documents attached and have been presented to the court and law enforcement agencies and all Government representatives offices. 

___________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Please contact me if you want to resolve this matter )

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 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACOPIA CAPITAL GROUP
State: GA

Complaint narrative:
I did not authorize any written or verbal authorization to ascertain an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
An unauthorized inquiry from XXXX/Loandepot.com was found on my credit reports. I didn't provide written or verbal authorization for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX is continuing to furnish inaccurate information on my account furthermore they do not do proper investigations into my disputes. My dispute was delivered to XXXX on XX/XX/XXXX yet XXXX still furnishes inaccurate data on my file without ensuring maximum possible accuracy Bank of America XXXX has the wrong date closed, The wrong date of last payment, and shows missed payments after the account was allegedly closed I sent a dispute Directly too Bank of America and they failed to acknowledge the errors my dispute was delivered XXXX XXXX XXXX days before XXXX received my dispute complaining of the same errors yet no change was made you would think after being put on notice twice in one month once directly by me and another by XXXX ( Since a Credit Reporting Agency must notify the data furnisher when the consumer is disputing the account ) That the alleged charged-off account would be corrected after both notifications but to no avail. 
Therefore XXXX has violated Title 15 1681E by not ensuring maximum possible accuracy before furnishing this information on my report and Bank of America has violated The following 15 U.S.C. 1681s-2-A 1 ( A ) -Reporting information with actual knowledge of errors 15 U.S.C. 1681s-2-1 ( B ) -Reporting information after confirmation of errors 15 U.S.C. 1681s-2-2 ( B ) -Duty to correct and update information.

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 2021-05-01 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: FL

Complaint narrative:
erroneous and inaccurate information is being reported on my credit reports. I informed the credit bureaus of the problem and sent documentation proving such. The accounts are reporting different information on each of the credit reports for the same account for things such as balance, date open, date closd, high credit, past due amounts etc.,. It is impossible reckless the bureaus to assume for all three variations of the same account to be accurate and allow it to be reported on my credit. Federal law requires that only accurate information be reported, the bureaus have refused to remove these inaccurate accounts. 

The Credit bureaus have also not responded to my request with in the 30 day time frame they are given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
erroneous and inaccurate information is being reported on my credit reports. I informed the credit bureaus of the problem and sent documentation proving such. The accounts are reporting different information on each of the credit reports for the same account for things such as balance, date open, date closd, high credit, past due amounts etc.,. It is impossible reckless the bureaus to assume for all three variations of the same account to be accurate and allow it to be reported on my credit. Federal law requires that only accurate information be reported, the bureaus have refused to remove these inaccurate accounts. 

The Credit bureaus have also not responded to my request with in the 30 day time frame they are given.

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 2021-05-01 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: CA

Complaint narrative:
I have paid off XXXX dollars into this closed revolving account and the status of the account never reported to the credit bureaus. The remaining account balance is XXXX dollars until it is completely paid off.

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 2021-05-01 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: DISCOVER BANK
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and I noticed that there was an error on my credit report due to missing information, my phone number is not on my report. 

Please add my phone number XXXX to credit profile, I am having trouble identifying myself because of this missing information.

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 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and I noticed that there was an error on my credit report due to missing information, my phone number is not on my report. 

Please add my phone number XXXX to credit profile, I am having trouble identifying myself because of this missing information.

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 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and I noticed that there was an error on my credit report due to missing information, my phone number is not on my report. 

Please add my phone number XXXX to credit profile, I am having trouble identifying myself because of this missing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America never called me to refer me to debt collection. In addition, they closed my account so i can no longer log in and pay or see anything. This restricts me from working on paying my card down and never mailed nor called.

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 2021-05-01 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I did not give written or verbal authorization for this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity. 
IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 
My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Hello, I have been now requested to provide a verbal or written clarification on the Hud Settlement Statement attached where I underlined. 

I gave a verbal and requested a update again from the Title Company. 

I received the update from the Closing Attorney for the buyers side by email for the requested information. 

The Miscellaneous section on the Hud Settlement was verified to be XXXX XXXX Taxes no money coming to the seller. 

Now I received the runarounds again and I have to go back to court on XX/XX/2021 with no approval for the short sale again and all of these attached documents requested have been emailed and uploaded to my servicer account. 

I am not trying to be a nuisance, just trying to get my voice to the right department head. 

Please assist. 

XXXX XXXX XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX were sent funds $ XXXX on XX/XX/. On same day XXXX XXXX XXXX XXXX XXXX XXXXXXXX executed return to me sender XXXX XXXX same day because PayPal thought the transfer was fraudulent. It is now XXXX and PayPal has not returned funds to sender me XXXX XXXX. PayPal is floating funds and earning interest on funding that should have already been returned. With real-time payments, this refund is going over the normal cycle time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I attempted to transfer a {$10000.00} balance from American Express to my XXXX XXXX  MasterCard. 
XXXX claims they sent an electronic check on XX/XX/2021. American Express claims they never received it. 

I am now stuck in the XXXX that is both banks think I owe them $ XXXX ( each, essentially doubling the debt I actually owe ) - with neither one of these financial companies actually trying to find out what happened to the money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal has close my account for no reason and refuse to help me get my money and getting my account up and going Im not assure this a mistake because they have refuse to even try to help me come up with excuses sayings its final it my appeal has been denied and stuff and I needed my money for paying off my credit card I think you know how I feel my PayPal email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: WA

Complaint narrative:
Leased XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Paid monthly payment {$430.00} on time every month and returned the vehicle on XX/XX/XXXX prior the the lease end date. Dealer provided me with the Vehicle Return Receipt ( attached ) that he and myself signed agreeing the car was returned on time with no damage. It was at that time that I was told there was nothing else I needed to do and I left the dealership. On XX/XX/XXXX I had a missed call and voicemail from Acura Finance asking me to contact them at my earliest convenience. I called back that same day and spoke to a representative who said I needed to pay a " return fee '' for my lease. When I originally leased the car I made sure to ask the dealer if there was return fee, as I had experienced this with a past lease, and they said " we do not do that ''. Therefore I was a bit surprised by the representatives call saying I needed to pay this but agreed to as she said it was required. After paying she said everything was taken care of and nothing else was needed on my end. It has now been brought to my attention that this payment was late and is effecting my credit negatively. When I spoke to the representative she did not make mention of the payment being late and did not make mention of past attempts to get in contact with me. In looking at my Acura account I see mail correspondence was sent to my old address and never got forwarded to my current address. If there were additional calls made to me regarding this I was unaware as a voicemail was never left until XX/XX/XXXX. If I had been made aware of this when dropping off my car and signing the vehicle return receipt I would have paid it right away but I was told everything was completed and there was nothing else I needed to do.

Company response to consumer: Closed with explanation