vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
In XXXX of XXXX  I discovered money in my checking and Savings that did not belong to me. I went to Wells Fargo, sat down with a banker I requested her to close or freeze those accounts. I ask for 2 new accounts. Instead I got 4 accounts, the first 2 accounts were not closed They ending up overdrafting my first two accounts .I requested more info, since now they are looking at me for the answers. I found out someone had mobile deposited monies in my checking and savings. This was done in New York! I have never been to New York, nor deposited any monies thru mobile banking. The back of the check has my name printed. I tried to convince them I had nothing to do with this, Wells Fargo told me I could never bank with them again, and they took my 2 Social Security checks. one for {$110.00} and one for {$630.00}. They lied and said they sent the funds back, since they closed my accounts. Not true I could not pay my bills. In XXXX  they contacted me, saying maybe the made a mistake! They sent me {$150.00} and {$500.00} more when I complained. I still never got my money for XX/XX/XXXX. I believe they gave me money because they were getting sued I knew nothing about the lawsuit, so I was cheated out of more compensation I am submitting paperwork. I will be numbered, They gave me the run around, I could never talk to the same person, in the same city. The paperwork will show this. I was treated in fairly and like a criminal. I did nothing wrong. I recently got more letters from them about Identity theft. I never had that to my knowledge. So I guess I am getting shafted again. I am XXXX, the way I was treated was so wrong. My XXXX got worse, as well as my problems with my XXXX. No-one deserves to be treated this way. They took all the money I had, I could have has my bills shut off or lost my place to live. I really pray you can help me. I don't have much, but I pay my bills. Wells Fargo judged me unfairly! There are case numbers on some of the paperwork as well.

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 2023-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I've had a mortgage with Bank of America for thirty years now. i got my monthly mortgage amount for XXXX and it was {$110.00} more a month than the previous month. I called and they said my taxes went up. My taxes only went up {$150.00} for the year. but they are charging me {$1300.00} for the year, saying there was an escrow shortage. They said they would look into it and reevaluate. I got an email back saying the new amount would be {$110.00} more a month or {$1300.00} for the year. This doesn't add up. Can you please look into this issue? 
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 explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: AK

Complaint narrative:
XX/XX/XXXX I put in an application with WESTLAKE FINANCIAL on XXXX for a XXXX XXXX XXXX XXXX  {$100000.00} XXXX. I was called and told I needed to put % XXXX down which is securities fraud as I traded a security for a money purchase loan yet did not receive funds for the loan pursuant to the EFTA. I as an investor into their company extended credit to them for Security Transfer Agent service and am not receiving benefit and am being discriminated against. Fiduciary duties are being denied per the Trust Indenture Act of 1939. The Securities Act of 1933, Securities Transfer Act of 1934 and the Emergency Banking Relief Act. Under WESTLAKE FINANCIAL 's SEC agreement they agreed too the, Equal Credit Opportunity Act, The Truth In Lending Act and the Electronic Signatures in Global and National Commerce Act. 12 CFR 1002 Regulation B, 16 CFR 433.1, 16 CFR 433.2. 12 USC 412, 15 USC 1691. If my application will not be properly administrated per Law, I will run a Securitization audit on said application and contact FINRA for securities fraud. 
XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2023, I reached out to your esteemed organization to request an update and correction of the personal formation section of my credit report. I would like to remind you that it is not only the responsibility of the creditors but also yours to report only true and accurate information. 

I have taken the initiative to update my personal information with all the creditors listed on my report. If any of them are still reporting anything other than the information provided below, it signifies a failure to report accurate information. Therefore, I demand that you delete their reports from my account immediately. 

Furthermore, I want to draw your attention to certain erroneous information that is still present on my credit report. As you are required to report only true and accurate information, this will be my final request for you to rectify the mentioned data before I proceed with filing a complaint and potentially initiating legal action. 

Kindly delete the following information from 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 XXXX XXXX I eagerly await your prompt response. In addition, I kindly request that you include a copy of my updated credit report reflecting the changes made. This will enable me to review the modifications and ensure that my credit information accurately reflects my current financial standing. 

Thank you for your attention to this matter. I trust that you will handle it with the utmost professionalism and efficiency. Should you require any additional information, please do not hesitate to contact 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 2023-11-26 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am highly upset the credit bureaus have responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. I am authorizing this investigation this is not a third party company

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My TransUnion credit score report is an absolute mess. Many negative-factor statements contradict the positive-factor statements, and are also either old or inaccurate. I received an " adverse credit '' disclosure notice from my auto insurance company ( XXXX  ), so I had to check to see what's going on because I know my FICO and VantageXXXX scores are very high and above average. I stay on top of my payments and information and data. The errors are on their end and it's becoming very frustrating to deal with.

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 2023-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I placed an online order on XX/XX/2023 for the amount of {$110.00} and paid through PayPal. On XX/XX/2023, I received an email from the company that I made the purchase with stating that they were not able to access their PayPal account and therefore could not process the order. They suggested that I attempt to get a refund through PayPal and re-order through a different process. 

I went through the refund process via PayPal 's dispute process and they denied my refund. I attempted the dispute twice and both times it was denied. I need to get my money back. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I was sent a collections letter for a debt that isn't mine. I contacted Paypal directly, but they didn't have any accounts associated with me. I sent XXXX a letter ( XXXX response letter ) informing them this is not by debt. They returned a letter with purchases I did not make and an email account that is not mine. I contacted Paypal collections again with the information and informed them this is not my account and I have reported the identity theft. XXXX has again sent another collections letter trying to collect an increased amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX Chase Card Services Attn : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Internal Revenue Service XXXXXXXX XXXX XXXXXXXX Subject : Suspicion of Tax Fraud. 
Referral Report of Tax Fraud Information - Form 3949-A Acct. Ending in XXXX I am writing to bring to your attention a matter concerning my tax reporting for the year XXXX. I have not received a 1099-C form from Chase and I believe this may indicate potential tax irregularities. 

I have not received a 1099-C form from Chase despite anticipating one due to Chase reporting acct. ending in XXXX as a charged off account to my credit file and having requested Form 1099-c several times through disputes. This has raised concerns regarding the accuracy of tax reporting. 

Due to this account reporting to my credit file as a charged off account and my request for Form 1099-c being ignored and unfulfilled I would like to report this information to assist in ensuring the integrity of the tax system. I believe there might be discrepancies that warrant further investigation. 

Exhibits to submit to IRS Form 3949a which is currently filled out ready to submit. 

CFPB complaint XXXX filed to Chase on XX/XX/XXXX. Chase response dated XX/XX/XXXX which states the company never issued Form 1099-c for credit card account ending in XXXX. The company states the account was charged off XXXX XXXX, XXXX. 

CFPB complaint XXXX filed to XXXX on XX/XX/XXXX. XXXX company response is on the complaint. 

CFPB complaint XXXX filed to chase XX/XX/XXXX. In the complaint I mentioned the account being charged off and how it needs to be reported as taxable income for the consumer. ( I need form 1099-C to accurately report to IRS. ) Chase marked the complaint as duplicate. 

A letter addressed to Chase with the point of contact being the CFO. This letter states the responsibility of the creditor to send Form 1099-c to the consumer for debt charged off over {$600.00}. Also, a request that Chase send Form 1099-c to the address listed in the letter. 

The Chase response letter which is attached to complaint XXXX is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-11-26 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-11-26 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting and 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 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, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A. Section 2 ; It also states a consumer reporting agency Can not furnish a account without my written instructions.

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 2023-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting and 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 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 has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A. Section 2 ; It also states a consumer reporting agency Can not furnish a account without my written instructions.

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 2023-11-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting and 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 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, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A. Section 2 ; It also states a consumer reporting agency Can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit 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: U.S. BANCORP
State: NY

Complaint narrative:
I have a credit card with US Bank and noticed fraudulent charges on my credit card and immediately notified the bank. The fraudulent charges were made on XX/XX/23 XXXX XXXX XXXX XXXX XXXX {$95.00} XX/XX/23 XXXX XXXX {$74.00} XX/XX/23 XXXX XXXX {$250.00} XX/XX/2XXXX XXXX XXXXXXXX XXXX {$12.00} XX/XX/23 XXXX XXXX XXXX {$47.00} US Bank notified me and told me charges were valid because the chip card reader was utilized and that there was nothing more they can do and basically I was responsible for the charges. I asked if they can call the companies that the charges were made and was told they don't do that.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Jc pennys card never late and never maxed out my cc took my limit from XXXX to what I owed XXXX for no reason

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 2023-11-26 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: Army and Air Force Exchange Service
State: GA

Complaint narrative:
Hello, Thank you for the quick response. Can you please send me an official letter of deletion so I can send to the credit bureaus and my home loans lender. I am in the process of purchasing a home and this account is ruining my credit worthiness. The lender needs official letter or proof on a company letterhead stating this account will be deleted permanently from XXXX XXXX credit profile. Can you please send me the letter ASAP? 



Thank you for your time

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 2023-11-26 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: MOHELA
State: AL

Complaint narrative:
They put my loans in administrative forbearance because they didn't bill me. then they sent an incorrect bill amount ( didn't include all my loans ) and made the bill due in less than a week from when they sent the billing statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation