vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2023, at XXXX XXXX, I deposit {$800.00} in the Wells Fargo AMT on XXXX XXXX XXXX in XXXX, Georgia. The Atm machine took my money which consisted of XXXX 's and XXXX 's dollar bills and my debit card then jammed. The machine stated on the screen that it could detail the deposit. I tried entering the amount on the screen. The screen was frozen. The Atm then went into restart mode. It never returned my money or the debit card. It did give me a receipt stating that my deposit must be verified. I took pictures of the screen also. I immediately called Wells Fargo Customer service with the phone number on my account business debit card. I explained to the customer service representative that I was depositing funds for my mortgage payment. I had already made my mortgage payment to XXXX XXXX  by check for {$1700.00}. I had cashed a check with XXXX XXXX  XXXX for {$1800.00}. The {$800.00} was the first portion of an {$1800.00} deposit. All banks are within a mile radius of each other. I repeatedly voice my concern about my mortgage check being returned. The customer service agent stated that Wells Fargo would cover all fees associated with the returned mortgage payment. Who wants their mortgage payment returned? The representative had little concern regarding my mortgage payment or {$800.00} stolen by the ATM Machine. He told me he would file a Claim. The Claim # XXXX. I knew my mortgage check would be presented the next day and it was. On XX/XX/2023, after the Atm incident, I made 2 deposits into my Wells Fargo personal Account at the Wells Fargo XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I deposited the additional {$1000.00} from the {$1800.00} XXXX XXXX  XXXX cashed check. I then returned back to XXXX XXXX  XXXX withdrawing an additional {$660.00} and adding {$40.00} from cash in my purse. I then deposit another {$700.00} into my Wells Fargo Account ensuring that my mortgage check was not returned by Wells Fargo. The next day I received a deposit in my Wells Fargo Personal account in the amount of {$100.00} from the ATM deposit. I called Wells Fargo again regarding the {$700.00} shortage. I was told it could take then 10 days to credit my account the full amount. Why should I have to wait 10 days for them to give me my money due to their faulty ATM machine? I am outraged over the handling of this situation. I used the same bank of Atm the month prior for the same situation. I deposit {$2000.00} in XXXX of XXXX. The machine appears to be new.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I have experienced Identity theft. My Emails have been hacked, credit cards open. numerous credit inquiries, among many other things. My credit Karma has also been hacked and passwords changed. I can not get in to my credit karma account. I have frozen all 3 credit bureaus. I made numerous attempts through Credit Karma customer service to shut my credit karma down as the identity thief uses credit karma to monitor my credit activity. I am requesting that anything relevant to my Social Security number with credit karma be immediately shut down. Also anything relevant to my two Emails with credit karma be immediately shut down : XXXX XXXX XXXX ID Recovery Case # XXXX Credit Karma customer service is difficult to reach and offers no help when you do finally get them. Also filing a XXXX XXXX XXXX  against their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
According to 15 USC 1681 Citizens Home Loan has violated my federally protected rights to privacy and confidentiality. 
15 USC 1681 602 ( a ) ( 4 ) states I have a right to privacy. 15 USC 1681 604 ( a ) ( 2 ) states consumer report
ing agency can not furnish an account without written instruction.

15 USC 1681 605 ( a ) ( 5 ) states any adverse items of information, other than records of convictions of crimes which antedates the report by 7 years.

15 USC 1681 623 ( a ) ( 1 ) ( A ) and ( B ) Duty of furnishes of information to Provide Accurate information. 
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, and can not continue to report after notice and confirmations of errors. 
15 USC 1681 603 ( 2 ) ( I ) states consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was previously a customer of US Bank. Time and time and time again, my actual dollar amounts were not accurately reflected in my checkings account. Ive actually closed my account as of the end of XX/XX/2023 due to the negligence of their bank. Due to my amounts being improperly shown, there were numerous times where my account was overdrawn. I would them be charged again for a cash advance just to avoid the overdraft charges. I do not have photos or documents, but the proof is there in my past transactions. Ig needed I can provide my account number. I still have an open, active credit card with the bank. The last straw was when I needed to make a large purchase for vandalism done to my car. When making the transaction with my card, my checkings account was bot overdrawn. The very next day, My account was - {$200.00}. When I call the bank, there is never a resolution. I was once instead told by a woman from US Customer service to keep a separate note pad of all transactions. If I wanted to do that, I would not bank online. After this, I wired my remaining checkings and savings amount to a new institution. I had been banking with US Bank for XXXX years. Ive lost thousands of dollars due to the inaccuracies of their mobile app which I relied heavily on. There were also many instances, at least a few times a week, where my transactions would post as pending, then would disappear for days, then would re appear. I was convinced that is how all banking was until I switched to my current institution. ALL of my transactions show up immediately. Every cent is accounted for and transactions dont randomly disappear. Yet, this was a regular practice of US Bank.

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 2023-03-19 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: OH

Complaint narrative:
I was trying to buy a home so I can better me and my family lives and I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is a Defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C AND 1681 You have broke the law because these damages are fraud and I am trying to move forward.

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 2023-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
In XX/XX/2023 I was granted a remission payment and received a check of {$23000.00} from the United States Postal Inspection Administration office for documented pecuniary losses in connection with United States v. Moneygram International Inc. ( Reimbursement Claim # XXXX ). 

On XX/XX/XXXX I deposited the Remission check in good faith into my checking account at my local Branch at TDbank in XXXX, Delaware ( phone ( XXXX ) XXXX XXXX. 

One week later I received a call from Security at TDbank questioning the validity of the check and was told my account is frozen, claiming the check is under suspicion for Fraud.

The check has now been held by TD for almost 4 weeks. I personally visited the Branch with supporting documents explaining the check is valid but with no avail. 

The XXXX Remission Administrator responsible for the distribution of checks is XXXXXXXX XXXX XXXX  XXXX California and can be reached at ( XXXX ) XXXX XXXX my personal email XXXX phone ( XXXX ) XXXX Looking forward to your reply. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I made purchase from XXXX ( ordered an XXXX for XXXX USD ) on XXXX XXXX XXXX. But the seller sent me an empty envelope instead a package with an item I was ordered. I contacted USPS and they can PROVE the " package '' weight is 1oz ( USPS representor said " this is an EMPTY envelope '' ). So, in this case the seller has tracking number and the status of the order was " DELIVERED '' .... but what was delivered PAYPAL, and XXXX does not care. After time, on XXXX XXXX PAYPAL decided to resolve this case in " MY FAVOR '' ( The balance was {$0.00} ). But, after few days the balance of XXXX showed up again in my account. I disputed again and their representors repeating the same thing ( the order was delivered and the seller has confirmation number ). Literally, PAYPAL took the second decision ( in favor of the seller, THIS time ) based on only one delivering number. Noone gets in touch with USPS so far, either PAYPAL or XXXX, to look in their shipping records for the weight of the " PACKAGE '' - an empty envelope. I can provide dates, names, pictures.

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 2023-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This was a PayPal synchrony debt which i paid and settled a while back, this was then handled ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy This account is settled. 
This account is not a collection or charge-off. 

I have repeatedly told them to show me statements as the collection is invalid and also mailed them i dispute this but they have not provided any evidence XXXX XXXX need to delete this dispute

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 2023-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This was a XXXX XXXX  debt which i paid and settled a while back, this was then handled ITEM IN DISPUTE : LVNV FUNDING LLC DISPUTE REASON : Accuracy This account is settled. 
This account is not a collection or charge-off. 

I have repeatedly told them to show me statements as the collection is invalid and also mailed them i dispute this but they have not provided any evidence LVNV funding need to delete this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
They are over XXXX closed accounts on my credit report that I did not do business with or authorize at all XXXX my name is spelled wrong they have addresses listed that I never lived there debt collectors Ive never did anybody with I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DelEit all Information that is inaccurate, Incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, XXXX, NOT MINE, NOT MY RESPONSIBILIY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even richt NOW! The obvious intractions are as follows : Alleging Creditor and Account as is reported on my credit report : dspute Item and explanation By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investinated and cermanently removed from mv report. 
I awai your reply wikh ( XXXX above XXXX XXXX XXXX 
Upon receiving All correscond back with you b ' XXXX XXXX XXXXXXXX. Your Full Name *Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )

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 2023-03-19 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: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
On XXXX XXXX Citizens bank offset a business loan debt from my personal account ending in XXXX. Citizens bank took {$3000.00} that was sent to me from a family member to pay my mortgage and applied it to a business loan for an LLC. The business is a Limited Liability Corporation and I did not give Citizens bank permission to use funds from my personal account to pay the debt. I have a business account that is attached to the loan via my XXXX number. My personal funds are protected by the veil of the Limited Liability Corporation. Just because the business owes a debt, the LLC origination protects the companies members. The business is not set up as a Sole Proprietorship so the offset was illegal. I will be filing a complaint with the FTC as well as the attorney generals office. I feel that the bank overstepped their authority and enforced an illegal tactic to steal money from a personal account. I am demanding that the funds are deposited immediately as this has caused a significant hardship on my family. If any fees are accessed during this process, I will be seeking legal action to recoup the fees as well. This is an abuse of power and trust and I will no longer be doing business with Citizens bank and I will be informing all of my network of Citizens Banks greedy practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
My issue is that I am being contacted by a company that is not bonded to work in my state. This is illegal and I will sue them. I've asked them to stop contacting me but they have not. Instead they filed on my credit report and they can not legally do that because they can not legally work in my state without being bonded. I need this removed from my credit. 
The company is National Credit Adjusters XXXX XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: AVANTE
State: TN

Complaint narrative:
Unused of my credit report, need these accounts deleted asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, 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: LEXISNEXIS
State: MI

Complaint narrative:
I have submitted a copy of my social security card, a current address, date of birth and a utility bill to authenticate my identity twice by first class mail and Lexis website. Lexis Nexis has ignored the documents and encouraged me to resubmit through their website. Due to ongoing identity theft issue ls via the internet I rather use the U.S. postal mail and Lexis has not indicated they have not received the requested documents in order to release my consumer file and update my information. My social security number ends in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I just paid off a mortgage that I had paid on time always for over 20 years. All 3 credit bureaus dropped my credit score XXXX points saying I got a closed account from the mortgage company. Of course they closed my account they were paid in full. But for some reason the credit reporting agencies saw this as a negative thing..ALL # 3 MAJOR CREDIT BUREAUS! This needs to be fixed by YOU. These companies affect millions of people including ME with their unreliable credit reporting. PLEASE make them get with the program and report credit transactions CORRECTLY.

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 2023-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
Someone I believe has stolen my identity in the past or used my info to sign me up for cable that I did not consent to. At first I thought this debt was for an early termination fee that was resolved but now i see that it is actually for equipment, but i did not have any XXXX  equipment and if they think i do it is from someone other than me ( someone that used my info without my consent ).

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 2023-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I bank with Wells Fargo and they have allowed so many fraudulent transactions come out of my account numerous times and Id like all my money back. Over {$4000.00} was taken from me and they said that I went in person and took the money out at locations I have never even been. I would like all of my money back this is ridiculous! I have done business with them for over 7 years and this is the thanks I get. I was supposed to get two provisional credits from fraudulent activity and someone went in and took all of the money out of my account and Id like all of that returned to me or I will be seeking legal action. Enough is enough. I cant even get to and from work because all of my money is gone. I cant believe someone would do this to 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 explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Recently got a credit card in the mail. that I did not apply for. My bank called and checked it out at bank of America and someone opened a credit card and cashed a fraudulent check in my name. also I'm a victim of identity theft all my online stuff accts. e everything compromised. I think it's a new boyfriend. Bring sneaky trying to steal my use and steal my identity and I recently got an email from bamk of america on the XXXX saying i applied again for a credit card whichI didn't

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