vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 I deposited a check for {$7000.00} from my corporate account to my personal account at Bank of America at the ATM machine and it registered as {$70.00}. I immediately checked online to my account and it also showed only {$70.00} was deposited so I called the bank and they said it shows {$7000.00} was deposited but there is a hold on the check until XX/XX/XXXX. I have been with the bank for over 40 years and deposit this large of a check monthly. The person I spoke to said she would file a report about the ATM machine but the correct amount was showing on their end which was a lie. The next day I checked online and it showed a new deposit of {$6900.00} to correct the {$70.00} deposit that the B/A employee lied to me about.the day before and the hold was still on the check even though they had the funds and the check had cleared my bank. Today, XX/XX/2021 I called back to Bank of America after I confirmed the check had cleared my bank and spoke to XXXX in their call center about the hold on my check. She said she can refund two of the four {$35.00} fees for overdraft but I would need to call my corporate bank as they may have held the funds. I told her no Bank of America knows the funds are good. I then called my corporate bank and they confirmed the funds and check as always are good and cleared. When I called back to Bank of America I spoke to XXXX who transferred me to XXXX, her manager who said they will not refund the other XXXX {$35.00} fees as they have a right to hold any paper check and as a customer I have agreed to those terms. I then asked to speak to his manager XXXX who was just as rude as XXXX and he said no " it is my loss and I must pay the other two {$35.00} fees '' and " they did me a favor by crediting XXXX of the four. '' I want my {$70.00} fees removed and credited back to my account. Bank of America not only lied to me about the ATM mistake but held funds from a check that they know is more than good. They would not even call my corporate bank operation manager to verify how much money I keep in that account or that the account had more than enough to cover a check I deposit each month into their Bank of America account. Bank of America has my history for 40 years and to charge me fees when they put a hold on my account and check is criminal.

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 2021-01-06 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I reviewed my early warnings report please see attachment documents for reference as it contains personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I've bee always on time with my mortgage payments. My provider New Rez, sent a late payment report to the credit bureau. And they haven't fix it. This is affecting me and they don't do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My bankruptcy case was discharge on XX/XX/XXXX XXXXI was suppose to receive a escrow overage of {$1300.00} from my mortgage company Wells Fargo in which they send it to the bankruptcy trustee office of XXXX XXXX  XXXX XXXX XX/XX/2020 and was deposited into the trustee account on XX/XX/2020. I talk to wells fargo and they said there nothing that they can do cause the trustee has deposited into there account.I try many of times to contact the trustee and no results, I hope you can help with 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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/2020, a collections account ( XXXX XXXX XXXX ) was removed from my Experian report as a result of my dispute. On XX/XX/2020, Experian re-inserted the same account back onto my report. According to FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the credit bureau may be fined " if they reinsert a removed item from your credit report without notifying you in writing within 5 business days. '' Experian failed to notify me of the reinsertion. I was notified through my own credit monitoring software. I have attached proof of said deletions and reinsertion.

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 2021-01-06 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: OH

Complaint narrative:
I have hand written and sent via XXXX  certified mail to remove companies that have reported misleading information on my credit report i demanded they re-validate this information and i have not recieved any information of these items being deleted under the section act 15 usc section 1681i these items need to be deleted immediatetly i will take legal action for extortion of my character to be able to have lenders extend loans to me and characterize me as not being able to pay back debt. 

I again demand these companies be deleted immediately and inquiries 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 2021-01-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have hand written and sent via XXXX certified mail to remove companies that have reported misleading information on my credit report i demanded they re-validate this information and i have not recieved any information of these items being deleted under the section act 15 usc section 1681i these items need to be deleted immediatetly i will take legal action for extortion of my character to be able to have lenders extend loans to me and characterize me as not being able to pay back debt. 

I again demand these companies be deleted immediately and inquiries XXXX XXXX # XXXX XXXX  XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I initially sent a letter to the bureaus letting them know that these accounts are fraudulent and should be deleted from my credit reports. I never heard anything from them. XX/XX/2020 I sent another letter letting them I never received a response or an update about the disputes. As of today, I still have not received anything and it is frustrating. I am also a victim of the XXXX data breach and this means my information could be in the hands of everybody. I am getting so frustrated at this point. It seems like the credit bureaus are ignoring me on purpose. I was always under the impression that the credit bureaus had 30 days to complete an investigation or the accounts had to be deleted. 611 ( a ). Well it has been over 90 days in my case and I havent received results, updated that an investigation had been started. Nothing. Please delete these accounts immediatelely.

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 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Hello, I was arbitrarily charged a {$30.00} fee for a XXXX IRA account I have held open for over a year. I have never been charged a fee. They recently charged me this fee. Then on top of this they charged a {$35.00} overdraft fee which is a fee on top of another fee. Had I known they were going to start charging all of these fees I would have closed it long ago. I spoke with the company but they were not helpful.

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 2021-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Debt Validity Dispute I started working as a XXXX in a XXXX XXXX on XX/XX/XXXX, I signed a new contract ( including a credit app ) with a company ( XXXX ), this supplier will provide our XXXX with their products ( XXXX XXXX XXXX, and XXXX ). 

we got a new account number ( XXXX ), and they supplied our store with their product for more than two months, after that XXXX sent me a letter on XX/XX/XXXX that we have an unpaid balance amount of XXXX $ for the period XX/XX/XXXX to XX/XX/XXXX, I contacted them on the same day and clarify that there are two different accounts for the store, owned by different persons ( XXXX Before XX/XX/XXXX and XXXX after XX/XX/XXXX ). 
unfortunately, No response from the company. 

I have Emails show that the second account is fully paid. 

After one month a collection company contact me on XX/XX/XXXX, they asked me to pay the unpaid balance, I explain to them that the balance you asking for is not mine because it is very clear the credit app I signed as a personal guarantor for the store dated on XX/XX/XXXX and the balance you asking for is before this date, so how I will be responsible for a debt owed before I signed the credit app, and the account number for the unpaid balance is different ( XXXX ), I provided the collection agency with different documents proofing my statements and what I alleged, they reply by an email after two days ( thanks for the detail ) with only one sentence, I thought that they understand the situation and decided to stop considering me accountable for this debit, and the story end. 

But after three months, on XX/XX/XXXX I received an email from my bank mentioning a negative activity on my credit score, I checked my account and I found an open collection By ( Caine & Weiner ) for the creditor XXXX XXXX, I requested verification documents for the debit from the collection company on XX/XX/XXXX by email, and the second time I sent an email on XX/XX/XXXX and a certified mail on XX/XX/XXXX requesting the verification documents, Unfortunetlly No any documents sent to me or mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: CT

Complaint narrative:
this company started reporting inaccurate information in my credit report, and refuse to remove it. I started an investigation on XX/XX/2020 and up today they have not remove all inaccurate information that is hurting my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: DISCOVER BANK
State: MN

Complaint narrative:
Re-open complaint XXXX. CFPB has marked this as a duplicate. IT IS NOT A DUPLICATE. 

I have two Discover accounts. One ending in XXXX. One ending in XXXX. Both have the same issue. I have the complaint opened on each of them so that both cards are addressed and not just one of them. If I only had one complaint, it would only get resolved for the one account and not the other. There is a ligament reason for having to complaints open and I wish that the CFPB would have reviewed these complaints more closely and they would have noticed that they were DIFFERENT ACCOUNTS and not a duplicate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I received a phone call from XXXX in XXXX, Nebraska. The caller did not identify the agency, but after verifying my information said she was collecting a debt from Comenity Bank. The caller, whoever they are never sent a letter notifying me that I had a right to dispute the debt, before calling me and trying to collect it. Other than the phone call today, I have never had any communication from anyone regarding the debt. This is a clear violation of the Federal Fair Debt Collections Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 20 inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : XXXX. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX  XXXX XXXX 3. XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 6.XXXX XXXX XX/XX/XXXX 7. XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX, XXXX XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX XXXX, XXXX XXXX 11.XXXX XXXX XXXXXXXX , XXXX XXXX 12. XXXX XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX, XX/XX/XXXX 14.XXXX XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XXXX, XX/XX/XXXX 17. XXXX XXXX  XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XXXX, XX/XX/XXXX 20. XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 
Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint narrative:
On XXXX, I paid cash $ $ $ for a certified check in the amount of {$1500.00} from XXXX XXXX to send to Bank of America ( BOA ) as I've done many times before. Monday morning the check should have cleared as usual and my bills would be paid as usual. Today, XXXX, I find out I'm receiving Nsf fees for non payment due to funds not being available. I contacted BOA today, the clerk explained that on Monday they did not receive electronically that the check was cleared to process. I have made these same transactions many times before with funds available the next business day. I am unable to afford the multiple fees assessed as a result of XXXX XXXX not sending electronically that funds were not available. I handed the XXXX XXXX XXXX cash for the certified check which cost me {$15.00} due to wanting to send funds to BOA instead of depositing the funds, and now I'm told that I'm being charged {$35.00} for each transaction that funds were not available. I now have a hold on the check {$1500.00} according to the BOA XXXX because XXXX XXXX did not send authorization to cash the check on the next business day which they have done each and every time before. I want all fees associated with this transaction reversed, it's not my fault the bank did not sent authorization from a " CASH '' transaction that funds were infact available. It's difficult enough with everything going on due to COVID 19 and now this is just unacceptable I have no idea all the implications this transaction will enable, ie credit bureau issues due to payments being delayed, and other fees associated. Unacceptable! Please help!

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 2021-01-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately of I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong 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 2021-01-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 someone accessed my Cash App account without authority. They proceeded to sell nearly all of my stocks I owned on there. They sent money to someone for {$33.00}. I didnt authorize this nor do I know the person. The person then removed my bank account and card from my account and then added theirs. They proceeded to withdraw {$2000.00} from my account to theirs. Once it went through the removed that card from my account. I filed a claim and called Cash App Support on XX/XX/2021. They were both automated answers and didnt answer the many questions I have. The pictures attached were taken today, XX/XX/2021, as long with this complaint since Cash App was not able to help me out.

Company response to consumer: Closed with explanation