vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fraudulent activity in account. This savings account is one where we kept dollars for our association and only earned interest. We never had any other activity in this account. On XX/XX/XXXX I viewed the account and saw suspicious activity on the account and I feel a SAR should have been filed and was not. I called Truist Bank and was given a Claim #. At that time I questioned why no one reached out to us and they said they did send a letter which we did not receive for over 10 days. We needed a phone call from them. I then emailed them on the same day with all the fraudulent activity account as follows which indicated all of our {$160000.00} was taken basically by the same fraudulent company. The dates are as follows : XX/XX/XXXX of {$19000.00}, XX/XX/XXXX of {$10000.00}, XX/XX/XXXX of {$49000.00}, XX/XX/XXXX of {$50000.00}, XX/XX/XXXX of {$27000.00}, and XX/XX/XXXX of {$4800.00}. Other amounts also were trying to be taken on XX/XX/XXXX, and XX/XX/XXXX, but of course there was no money in the account. Needless to say, Truist Bank charged us fees of {$36.00} for these. To date, we have been able to obtain some of these dollars but Truist is still not willing to put the XX/XX/XXXX dollars of {$27000.00} back in our account. I have called the fraud department and emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our President of our non-profit corporation also emailed a manager and got no where. He actually said to let this run its course. In addition, something very disturbing happened on XX/XX/XXXX when I talked to a representative from Truist who advised me that the reason they were not refunding the XX/XX/XXXX {$27000.00} was because where the dollars went ( XXXX XXXX ) said this fraudulent company had a contract with us. Of course, that contract has never been produced. The representative from Truist also told me to call XXXX XXXX directly. Of course I did this and talked to an individual who was very nice but said that is not a way a bank should advise their customers. Which I agreed with. The manager from the bank also talked about a timely matter which the XX/XX/XXXX {$4800.00} was recovered and not the XX/XX/XXXX {$27000.00}. All we want is our account to be made whole by Truist. And, of course, interest has not been credited appropriately either. Any docmentation you need, I have. Thank you for your help in resolving this matter and any further advise is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2023 we have requested that the escrow account attached to our mortgage in good standing be closed. 

Citizens bank quickly without writing denied the request not including the escrow waiver agreement via mailed documents. 

On XX/XX/2023 we appealed the denial and were told our mortgage needed to be paid at 80 % loan to value the mortgage is currently at 87 %. 

No where in the closing disclosure or legally binding agreement is this stated only that the bank may close the escrow account at anytime for any reason which was also a option at closing, the bank is in violation of misrepresentation, breach of contract and concealment of documents. 

Citizens bank also continues to hold a account without my consent which is against federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I deposited a cashier check on the XXXX of XXXX for XXXX then on the XXXX of XXXX I went and took out XXXX and deposited it into my boss checking account then I find out that the cashier check was a chargeback and l realized that they took out XXXX out of my bank account without my knowledge or permission so I call the bank to see if they could stop the check from being processed and just refund me back the money and they said they could since I called them early l talk to someone in the fraud department and they told me that all funds would go back in my account by Friday midnight XX/XX/XXXX and it didnt happen I called Bank of America l dont know how many times trying to get my XXXX back l went to the bank they couldnt help me and they told me that it was nothing they could do l thought they were supposed to protect us from fraud l filed a police report and I have all my paperwork and information all l was trying to do was get my XXXX back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: NE

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: NE

Complaint narrative:
Since XXXXXXXX XXXX XXXXXXXX we have had a fleet fuel card for our company cars thru XXXX 's. We started noticing about 6-8 months ago they were charging a " Credit Risk Assessment Fee '' of {$150.00}. We have always been able to get that fee reimbursed and get some type of " Free '' 3 months without the fee after getting it credited back. The last one came in XXXX XXXX XXXXXXXX and I notified them and they gave me a credit back of this fee the following month but then charged it again. Before noticing I paid my bill in full and closed the account. Now our bookkeeper noticed the fee I am trying to get this credited back to me. XXXX 's is refusing to give me the credit because the account is paid in full and closed. 

Through the lifetime of this card XXXX 's has been trying to get me to take out more credit with them and we have always refused because of the fee. 

I believe this is fraudulent and it needs to stop because I am sure they are doing this to thousands of customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had autofinance fraud attempted at XXXX XXXX XXXX and also XXXX XXXX XXXX and the same day Fifth Third Bank shows also a credit inquiry to my credit reporting service and I have absolutely neve had anything to do with this bank and it is identify theft I tried to call this bank and they wanted all sort of details and would not transfer me to fraud and I gave my name only and she wasnt interested and seemed incompetent and keep asking me for my bank account no which does not exist so I am forced tofile this complain. I do not have any details as fifth third bank was useless when I called. and its listed on my credit report the bank with someone unknown faking my identify tried or did something.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On numerous occasions in the last two years I have worked with Equifax to gain access to my credit report. I have called them, certified mailed documents that include ( s ) my social security card and drivers license. However, I still have not gained access to my report and neither can borrowers. Today I spoke with Equifax, again, and they are telling me they have not received the documents I have mailed twice before and that I need to send them again. This is affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: NJ

Complaint narrative:
I have disputed a medical bill thats under {$500.00} on my report multiple times over a few years time in an attempt to have it removed and it has yet to be 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 2023-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
on dates XX/XX/23 and XX/XX/23 that is when they lied to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Once again experian lied. Per there own letter from XXXX XXXX stated they would fix the problem and add XXXX  which is XXXX. XXXX  report ontime payments. XXXX these complaints EXPERIAN is retaliating against me. Read the letter from XXXX XXXX in will attach 5 months of XXXX even though ther is actually 13 months of payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: NE

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i contacted credit card company XXXX  XXXX in regards to in accurate information on late payment they agreed to fix adjust and change in the system. all other beraus made the correction moths ago experain even after i have submitted serval time dispute still has the account as late and created double account-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
The company OneMain Financial has Close the account XX/XX/2017 now the XXXX XXXX XXXX XXXXXXXX XXXX, XXXX is trying to collect {$1900.00} from me I didn't sign An agreement with this attorney. My account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The Wells Fargo location at XXXX and XXXX ( XXXX XXXX XXXX, XXXX TX XXXX ). on XXXX  XX/XX/XXXX around XXXX XXXX. The banker ( s ) refused to maintenance my account and denied access to my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This problem is with my XXXX XXXX credit card. I hardly ever used this card, and always paid it off in full. I've had nothing but issues with this card. It is almost maxed and and shouldn't be. My balance should only be {$150.00} on the card. I've filed many disputes in regards to this. 

My credit report also has an issue as it only has my birth year and not my birthdate on it. There are many cards, collections, and student loans on my credit report that shouldn't be. I believe this is in error to my birthdate not being on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted a cheque in my Wells Fargo account and they made the funds available for me after a day. I used the funds and then they said that the cheque didnt have the funds. So they took out the money from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
This is not a struggle to pay mortgage, but it's the closest option from the descriptions provided. 

Based on the divorce decree, a court order was given to remove the ex-wife from the mortgage. I contacted PennyMac ( XXXX XXXX ) to start the process by end of XXXX. They asked me for the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and 6-month Bank Statements. I sent all the required documents in XXXX of XXXX. PennyMac called me and asked me to remove the ex-wife from my personal bank then re-send 6-month statements. This required me to wait for 6 months after the removal of my ex-wife from the personal bank account. On XX/XX/XXXX, I sent the 6-month bank statements believing it was the last step, per PennyMac. PennyMac called me a few days later and asked for XXXX XXXX XXXX  ( again ). On XX/XX/XXXX, I resent the proof of insurance thinking again it would be the last step. PennyMac called me and asked for {$100.00} to be paid to finalize process. I excitedly paid the {$100.00} believing it would finally put this topic to rest. PennyMac called me again a few days later and asked for proof of residency. On XX/XX/XXXX, I sent copies of Driver License, W2, Bank Statement, and a Bank Notice. On XX/XX/XXXX, PennyMac contacted me and asked for either a utility bill or a credit card bill. On XX/XX/XXXX, I sent PennyMac a credit card bill. On XX/XX/XXXX, PennyMac called me and asked for a utility bill ( even though they gave me the option between a utility bill or credit card bill earlier ). 

I am now under the impression that PennyMac is intentionally putting hurdles in front of this process. During their calls in the last few months, they continued to offer me refinancing ( as a quicker way to process the request ). Of course I refuse to refinance during this period when rates are much higher - mine has been at around 3.275 %. I am losing trust and confidence in PennyMac and am not willing to fulfill further requests to execute the court 's order, because I believe I fulfilled all what they asked for multiple times without use.

I am not sure if this complain will help in persuading PennyMac to fulfill the court 's order especially that my ex-wife has been waiting for it so she can buy her own house. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to investigate these accounts : 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 ; However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are supposed to modify the accounts that arent reporting correctly.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any customer containing any of the following any adverse item information ; other than records of convictions of crimes for 7 years.

Also they are NOT in compliance with Metro2 credit reporting. I have evidence to prove my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE DELETE THIS NAME OFF OF MY CREDIT RPORT ( XXXX XXXX ) MY NAME IS XXXX XXXX XXXX OR XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE DELETE THIS NAME OFF OF MY CREDIT RPORT ( XXXX XXXX ) MY NAME IS XXXX XXXX XXXX OR 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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Told me no because I would not give reason! 

Today second attempt, been on hold XXXX minutes but said needed reason, I told them the were a crook and finally canceled. 
My complaint is they refused to process my request to cancel account unless I provided a reason. The bank blackmailed me to provide a reason or they would continue charging {$99.00} per year.

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