vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/XXXX my balance fell below the {$300.00} minimum which I was not aware off since I did not check my Bank of America Savings account. And was charged the {$5.00} maintenance fee until XX/XX/XXXX so for 10 months a total of {$50.00} in fees when I realized that then I contacted customer service in XX/XX/XXXX and they were only able to credit me {$10.00}. And was told that I need to maintain {$300.00}. So that is what I did to maintain the {$300.00} minimum. 

Then to my surprise I was charged another {$5.00} maintenance fee for the month of XXXX on XX/XX/XXXX and that caused my balance to drop my balance below the {$300.00} minimum so in XX/XX/XXXX I saw what happened so I contacted Customer service and they refunded me the {$5.00} maintenance fee. 

Then to my surprise on XX/XX/XXXX I was charged another $ 5 monthly maintenance fee. I guess now I am told that if anytime during the month if the balance drops below {$300.00} then I will be charged the monthly maintenance fee so it looks like that happened between XX/XX/XXXX to XX/XX/XXXX but the reason why that dropped is because your $ 5 monthly maintenance fee caused the drop in balance and all this issues. So it was due to them that caused the drop below the {$300.00} due to the fee. So in retrospect I should of been credited {$10.00} not {$5.00} for XXXX and for XXXX instead I was charged another {$5.00} fee in XXXX. 

All I am asking is to refund me the XX/XX/XXXX {$5.00} maintenance fee because it was because of your system that caused me to drop below the {$300.00} minimum. 

You could say it is my fault for not paying attention and not understanding the rules but as a customer your practices are not consumer friendly and really what you should do is in the Account summary page highlight a warning that the minimum amount is not met and that maintenance fees are warranted. For now I will have to add extra funds to make sure even if I get charged a fee that I don't drop below the {$300.00} minimum. But your practices in fees are really questionable and not consumer friendly. I am sure this is also happening to others and not just 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 monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair credit reporting act this creditor has violated my rights Under 15USC 1681 Section 602 stqtes I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C 1666B a creditor may not treat a payment on credit card account under an open and credit consumer plan as late for any purpose and I demand that all its listed below be deleted Under 15 U.S.C 1681 section 604 A Section 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I would like for the inquiry below to be deleted from my credit reported.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
No knowledge of these accounts or inquiry. Submitted an identity theft report.

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 2023-09-06 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: NV

Complaint narrative:
No knowledge of these accounts or inquiry. Submitted an identity theft report.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2023 and on XX/XX/2023 I submitted written requests to the credit bureaus to investigate my credit file. I requested they investigate XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX 

These accounts are reporting incorrectly and the credit bureaus have not sent anything to me at all and its been over 60 days. What's even scarier is that they have also not put any dispute verbiage on my credit report which is illegal. They are required to put dispute verbiage on accounts in question. the bureaus are circumventing the FCRA and not investigating my file per my rights and I am outraged. This is their job.

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 2023-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX 's Credit Card I spent XXXX minutes today trying to get someone to talk to me and understand that I paid my bill on XXXX ( 3 days before the due date ). I had a confirmation code from my bank, which they never would listen to, and would never allow me the opportunity to send copies of when the bill was paid by XXXX. After calling XXXX different times only getting to speak with XXXX actual people it was taken care of. Here is the real issue. I received the bill yesterday, I went to my bank to pay it and the quickest it can arrive to Comenity is XXXX to the person I spoke with it took 10 days for them to process my last payment at Comenity once XXXX received it ( hence the late fee ). This is unacceptable by any standard, if the next payment arrives on the XXXX according to them it will still be late because they can't process it until the XXXX, which make XXXX the payment that's due on the XXXX LATE AGAIN. 

I am a stay at home mom who has XXXX minutes to fight to get my money back. Most people don't have this luxury. I am writing for all the other people they are scamming late fees and interest out of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ORO OC, LLC
State: FL

Complaint narrative:
Edfinacial  on hold XXXX hours XXXX hours currently. I did the receive a call back no call. They want pay over {$750.00}. a month. I am not working at the moment. I am in line for employment I will be making around XXXX a year. Applied for Save plan and the web sight says it is in process. I can not afford that amount. Been out of work for a month. I have life circumstances that have changed. No way to inform them of changes. So I am going to default on payments for XXXX and that will reflect on my credit. I have always paid my student loans on time, as well as all my bills

Company response to consumer: Untimely response
Consumer complaint received 2023-09-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2023 I purchase two XXXX XXXX gift cards worth {$500.00} each at the XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I attempted to use the cards on XX/XX/2023 and they didnt work so I called the number on the back. 
They told me to send a picture of the receipt, the cards front and back, and a photo I.D . Which I did. I was told it would take up to 30 business days. Its been well over 30 business days and still no replacements Upon calling today XX/XX/2023 customer service was rude to me and asked me to wait another 30 days. These are violations which are resulting in injury to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OR

Complaint narrative:
Great Lakes was bought by Nelnet who has increased my interest rate and eliminated customer service. I scheduled a recurring payment prior to start date ( XXXX ) which has since been obfuscated. They have not responded to my emails and reached out over text to say my loan info has changed at the last minute. Furthermore, I can not pay more than the minimum on a regular cadence and must call in via phone no longer than 30 days advance to schedule a principal payment separately from a minimum. I am not on an IDR plan or anything and wish to pay off more than the interest rate every month which is made untenable at this point by nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

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 2023-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
my credit was ran through these companies without my knowledge and put on my credit without my consent of me knowing and would love to have them removed from my inquiries dates in start from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

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 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
The bank closed the account, i asked for a check and the executive office, XXXX said that if i go to the XXXX branch I could notorize an endemnity form and get a new check but when I went they said they could not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
I went to Simmons Bank in XXXX, AR because I had called and spoken with Simmons Customer Service who told me that I could apply for a XXXX XXXX. When I arrived at the bank, XXXX XXXX told me that I would have to come back on XX/XX/XXXX and I did explain what they told me on the phone but she said I could not apply until XX/XX/XXXX. I called Simmons Customer Service back approximately two weeks later and was told that I would have to come back on the same date. On XX/XX/XXXX, I wen through the drive through in XXXX and was told by a male that I would have to come back the next day and they would have all of the paperwork completed and I would just need to sign it. When I cam back the next day. XXXX XXXX told me they had charged it off and she would talk to the backend to reopen and would call me. I came back through the next day because I did not hear from her and she said the same thing. I came back again and she said the same thing. Now, my account is closed.

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 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start the 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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: KS

Complaint narrative:
Charges appeared on a random background check in XX/XX/XXXX that were erroneous. The charges were expunged and checkr claimed to fix my report though it took creating a new account with XXXX to get my account online despite being provided order from court and all supporting info. My employ was terminated without cause as a result from XXXX XXXX to XX/XX/XXXX. Forgetting this issue, I changed my phone number on or about XX/XX/XXXX and the same issue has occurred. My account has now been closed unreasonably a second time and this time while I had a rental through XXXX I was paying for to work on the platform. Checkr has reported that they corrected the issue, but XXXX has essentially blacklisted me as a result of their support team being essentially inept. Neither organization will take responsibility and this has cost me thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
You are unable to setup auto payments online with Wells Fargo unless you are a banking customer if theres. I am not a banking customer, so I called in to request the forms to set up auto pay. The first time I called I was never sent the forms. The second time I called in the representative room my account number and set up 3 months worth of payments to come auto automatically on my due date until the autopay paperwork was processed. I believe the payments would have been for XX/XX/2023, XX/XX/2023, and XX/XX/2023. She then took my bank account number, and set up the payments for those 3 months as that was the longest time period she could do so. 

I have called Wells Fargo now 3 separate times and created 3 separate cases. The first 2 cases I was told that it was an error after they listened to the recorded phone call, and that they would remove the late payments from my credit report. I called again today as I had my credit report pulled and it is still showing the late payments on the report and I was given a new case number. Each time I have called I was told I would receive a phone call and mail correspondence showing the error had been fixed. I have yet to receive a signal phone call or any written correspondence. 

I am now under contract to purchase a new home, and the error in reporting is putting that in jeopardy. 

Please let me know if you need anything additionally to help correct this.

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 2023-09-06 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: NE

Complaint narrative:
On XX/XX/2022 and XX/XX/2022, while I had XXXX XXXX  in a hospital, my checking account received 2 large deposits totally almost {$16000.00}. 
It was from a company called XXXXXXXX XXXX which I had never heard of. 
This was done while I was still in the hospital .On XX/XX/2022, a deposit was made to my bank account in the amount of {$49000.00}, done with an over the counter deposit slip with my account number on it. 
The name in the memo line was XXXX XXXX XXXX. 
It was a Cashier 's Check for the amount {$49000.00}, listing the bank name as XXXX XXXX. The bank teller who took this transaction on the teller line, did not put a hold on this check until it had cleared. 
This person or persons who made this deposit to my account, before the check cleared on XX/XX/2022, made wire transfers totaling over {$48000.00}. 
Because of the check that had insufficient funds, Wells Fargo closed my account, even though I was still under a doctor 's care, could n't drive to submit these transactions to my account. I am holding Wells Fargo bank liable for not putting a hold on this large check, until it sufficiently cleared.

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 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I was having hardship after covid spoke to a foreigner who could barely talk said they have no programs to assist. Once my XXXX kicked in made a payment but account now closed. Catch up plan was a plan to make payments every freaking XXXX weeks say if u didn't agree they would close account so I agreed to save account. In the past I've never had problem but soon as I need hardship option nothing available to me.Been a good on time paying customer

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 2023-09-06 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In accordance with the fair credit reporting act Chase has violated my rights under 15 USC 1681 section 602 states I have the right to privacy under.Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of identity theft. I filed the correct paperwork per the FCRA and submitted the paperwork with my disputes to the credit agencies. Nothing has been done and I have not received copies of the verification process.

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