vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I went to the atm located at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX at about XXXX to deposit my rent money which was due on that day. I first took the money off another card and started my deposit. I then deposited {$410.00} to start depositing my rent money. The machine accepted it and then when I went to add more cash the screen went blank and cut off. I figured no big deal Ill come back wen the bank opens but got an email from the bank saying that they knew there was a problem but would have it resolved in the next 5 days. In the meantime my bank account would now go into a negative status because my bills started to come out. In the meantime 5 days pass and now it is the XXXX of XXXX and no resolution and my rent is late because part of my money was lost in the transaction. I called and then was told I had to file a claim and wait another 10 days and I still called almost everyday to resolve this because now I am about to be evicted. A woman reached out to me from Wells Fargo and told me that if I fax over a letter from my apartment complex and insurance company and any other evidence I have of this problem they would take care of it. That was a lie. I wrote the ceo twice to have a resolution and no response and finally they reversed the transaction on or about XX/XX/XXXX ( which was so late it just covered the late fees and overdraft fees I incurred ) didnt help at all. It was too late.. had to pay lawyer fees, late rent fees, insurance cancelled and still owe the {$290.00} and barely able to save my apartment because I had no money. They didnt even try to help although they said they were. I filed another claim and XXXX called while I was at work and left a message and Ive called him back several times and left messages and that was a month ago and he has never returned my calls. They finally closed the account with a negative balance over {$800.00} and expects me to pay that but its not my fault the balance is {$800.00} because of their error they could have fixed with a simple hardship deposit of my {$410.00} until they resolved the issue but let my account slide into negativity.. there is a ton more of our conversations but I would need a whole notebook to write all this down. I have a lot of emails etc as well. I have names of people I talked to and dates and times. Im so upset because of what has occurred

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 2023-02-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I deposited a {$500.00} check on XX/XX/XXXX wells fargo credit my acct and w/held {$100.00} until the check cleared the next day, the next day bank told me it cleared but didn't credit acct {$100.00}. Monday went into branch and the did not want to discuss my statement not reflecting the true amt of {$400.00} it shows a {$500.00} amt. The XXXX became irate and asked me to leave there are other customers in line. XXXX XX/XX/XXXX my ssdi check was credited 1 week early I filed a dispute on XX/XX/XXXX. On XX/XX/XXXX got notice the check was returned unpaid. Bank charged mY acct {$500.00}. On XX/XX/XXXX Bank credit acct {$400.00}, the same day debited acct {$500.00}. The returned check was a substitute check. I went into branch to close my acct on XX/XX/XXXX the lady told me they would put acct in transition until everything was cleared up no transactions would be allowed like direct deposits or checks..on XX/XX/XXXX my ssdi check was deposited 1 week early and charged {$1400.00}. They kept money that was not owed. I already called to redirect my ssdi check. It was supposed to be redirected to a new acct at different Bank. My IRS bill, electric gas and water didn't get paid due to the bank actions.

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 2023-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
I received a letter from a debt collector todayXX/XX/XXXX saying that They are collecting a debt from XXXX  an ambulance ride from XXXX hospital to the other. I thought that it was all taken care of because I paid off all of my debt to the best of my ability. I didnt hear from the ambulance company so I assumed that it was written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was XXXX from XX/XX/XXXX to XX/XX/XXXX of the year XXXX Thats from the church it occurred to this card I know responsible for I was nowhere around. I have provided copy of police report and proof of 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 monetary relief
Consumer complaint received 2023-02-07 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Please see attached pdf for full complaint. I advise that you take this very seriously. I have already consulted legal counsel for a federal lawsuit against American Express for willful negligence for inaccurate reporting and will be seeking FCRA violations along with punitive damages up to {$450000.00}. I am giving you one last chance to fix or delete the inaccurate reporting. I have also sent a copy certified mail with USPS tracking # XXXX. You must think you are above Federal law, but I am a consumer who demands just and will go to any means to rectify the wrong you have caused. I have documented my case extremely thoroughly that will be brought against you and the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
i went to a car dealership to and they said they would only be using XXXX now there are over five hard inquiries on my credit report. 
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 I also applied for a credit card with XXXX now there are hard inquiries i dont know where they came from i listed the accounts above.

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 2023-02-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX has tried to maligned my name and reputation in the hopes that it will dent my credit score and make not credit worthy. 
XXXX is a XXXX company, For XXXX XXXX years, I was with them, the XXXX XXXX XXXX never had any problems with me and all the overages, high interest rates that I paid for their vehicles. All was well throughput those 9 years. Once I was tired of the disrespect and XXXX abuse, they have chosen to lie about me and my reputation. 
In 9 years ( XXXX to XXXX ). I humbly subjected myself to their lies. 

Now credit card companies are all denying me credit and claiming that I defaulted on a loan. Even during the XXXX Recession and global meltdown that impacted all facets of credit life. I chose to pay all my loans when I could have justifiably filed for bankruptcy. XXXX XXXX and XXXX XXXX  can attest to these facts that I paid all my loans. 

This is my last recourse because XXXX XXXX XXXX is trying to silence me, perhaps as they have similarly done to other XXXX people. 
I pray to XXXX that they do not succeed this time. Overtime the truth will come out about how XXXX XXXX XXXX XXXX has been to many of us.

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 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been disputing a certain account for several months now, yet have not received anything concrete to prove my case and keep it from being registered on my credit file. This is a clear violation of my rights. It appears that the credit bureaus have not conducted a thorough investigation of my disputes. I have included my dispute letters enclosing XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act. Despite this, the accounts are simply coming back as verified without any proof of due diligence being done. This is highly concerning and unacceptable. 


The CFPB is the only hope of providing some justice to this situation, as the credit bureaus have been exploiting consumers rights for too long. I am submitting a complaint to the CFPB today, hoping that they will offer meaningful answers and have my best interests in mind.

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 2023-02-07 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: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Upon opening credit lines for my husband and I, we called the credit card issuer ( PenFed ) and set up automatic payments. For some reason, the bank only set up auto-pay for my husband 's account but not mine. Consequently, my bill was paid over 30-days late, when we finally noticed the balance had not changed. We called the bank to complain in XX/XX/XXXX and they said they would investigate. We were then NEVER contacted with the results of the investigation and were forced to call the supervisor multiple times to no avail, leaving voice mails each time. Finally today, XX/XX/XXXX, we were able to get this person on the phone, just to hear him say they would not call the credit bureaus to retract the mistaken report of a late payment because it is, in fact, accurate. It's true the payment was made late, but the question is WHY. This was their fault, not ours, so we feel the credit report strike is unwarranted. They could easily pull the call record to confirm we asked for auto-pay to be set-up on both accounts and verify this was their mistake, but they refuse to do so. We have impeccable credit, which we have worked hard to attain. We do not want this undeserved stain on our record.

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 2023-02-07 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
It shows on my credit report that I open a new credit account with a balance of {$1200.00} from Citizens XXXX XXXX XXXX But I haven't open a new account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2018 I was manipulated into a mortgage with Wells Fargo. I had gone into the branch to wire monies for a mortgage and the associate convinced me to do a mortgage with Wells Fargo instead. They offered me an increase in my savings account interest rate ( which they soon later removed ), 2 Wells Fargo associates told me I could make payments every 2 weeks and have those payments applied the date I made the payment, this was my sole reason for doing the mortgage with wells fargo. Then, after I had the mortgage, the bank would not post my transactions on the date sent and instead waited until payment due date. When I opened an investigation, the employees/associates lied and then the phone records were on their personal cell phones so wells fargo investigations determined they could not validate what I was saying and thus I was fraudulently out money. I had a strategy to pay off my mortgage and determined an amortization scheduling using 2 week payment instead of monthly, I showed the associated this at wells fargo and they just lied and went with it, knowing it was not possible and telling me it was. This cost me thousands of dollars and I also ended up refinancing and I had to spend the time and money to refinance to get out from wells fargo blanket of lies and deceit. Friendly faces that lie lie lie and do more lying. Wells Fargo did an internal investigation and determined no case because phone records were personal cell phone by the employee and basically Wells Fargo internal investigation was a joke and a huge waste of my time. They talked really nice and said sorry a lot and then sorry some more but in the end, they did not resolve the matter and left me with the bill.

When I was closing my mortgage. Wells Fargo for my rate lock, also closed 1 business day after my rate lock expiration and charged me an additional 30 days rate lock for 1 business day ( {$710.00} ). The reason for the delay in closing was Wells Fargo internal bank error related. They charged me the extra fee of {$710.00}.

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 2023-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
A XXXX doctor is reporting the debt from an XXXX  visit to a public hospital. XXXX credit collection purchased the debt but has refused to provide proof that the debt belongs to me. I am attempting to have this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to have the following removed from my file immediately. The items i need removed are listed in the report. i am a victim of identity theft and i did not make these chargers. i ask that items be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commission identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me and family from moving forward with our lives and is not reflecting an accurate score. THANK YOU XXXX BLESS

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
NEVER DID BUSINESS WITH THIS COMPANY, CONFLICTING INFO SUCH AS PAYMENTS BEFORE ACCOUNT OPENED?

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 2023-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Debt is from XX/XX/XXXX and I didn't receive notice or summons until XXXX or XX/XX/XXXX. The statute of Limitations has expired for this debt. They say the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. 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 non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
DEAR OMBUDSMAN DEPARTMENT MANAGER : YOU HAVE PUT ME AND MY FAMILY IN HARMSWAY BY CHARGING ME LAST 11 YEARS FAKE HOMEOWNER INSURANCE FEES AMOUNT {$16000.00} + {$130.00} ESCROW FEES. MY PENTHOUSE CONDO ASSOCIATION OFFICE HAVE EMAILED PROPERTY INSURANCE PROOF TIMELY TO YOU LAST 11 YEARS. 

ALSO, NEW CONSTRUCTION CERTIFIED CONDO BUILDINGS BASED ON XXXX REAL ESTATE LAW PREWIRED WITH CARBON MONOXIDE DETECTOR AND PREWIRED SPRINKLER SYSTEM DOES NOT REQUIRE FIRE INSURANCE POLICY. PLEASE, REFUND MYESCROW SURPLUS OF {$6000.00} + {$40.00} PROP. INSPECTION FEES. MY ESCROW SURPLUS INCLUDES {$2.00} ESCROW ADVANCE FEES REFLECTED ON MY RECENT REINSTATEMENT LETTER DATED XXXX XXXX XXXX  XXXX FILE # XXXX. PRIOR TO MY WIRE OF ABOUT {$50000.00} TO BRING MY ACCOUNT FULLY CURRENT. 

STILL, MY PROPERTY IS XXXX EXEMPT SINCE XXXX  BY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, PHONE XXXX. 
SEND MY REFUND TO MY MAILING ADDRESSD RESPECTFULLY, XXXX XXXX XXXX XXXX XXXX XXXX WITH HONORS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Debt is from XX/XX/XXXX and I didn't receive notice or summons until XXXX or XX/XX/XXXX. The statute of Limitations has expired for this debt. They say the debt is valid.

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