vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I and my husband XXXX XXXX went to the Wells Fargo Bank ( WF ) at XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, NC XXXX to withdraw {$100000.00} from our Savings account which currently had {$230000.00}. 
I was told I would be charged {$10.00} for a check in this amount. I told the teller, XXXX, I should not have to pay to get my own money from my own account and was told that was Wells Fargo policy and I could complain to the CEO. I said I would. I told her instead of a check that would cost me {$10.00} I would take my {$100000.00} in cash. I was then told I couldn't do that as they did not have {$100000.00} to give me. Not good! 
So I wrote a check for {$10.00} out of my checking account ( a different bank ) in order to get my own money ( via WF cashier check serial # XXXX account # XXXX, transaction # XXXX XXXX at XXXX pm for the fee and transaction # XXXX XXXX at XXXX to get my {$100000.00} ). My purpose for withdrawing these funds was to set up a savings account at a different bank which would pay me far more interest than WF does. 
I don't think this is right as Wells Fargo denied me access to my money unless I paid them to get it. 
I believe I deserve at least my {$10.00} back from them and this practice should be stopped! It is just XXXX more of the awful things Wells Fargo has been doing to consumers. I will, as soon as I get some of my drafts set up in a different bank, get ALL of my funds out of Wells Fargo and will probably have to give them another {$10.00} to do that if your organization doesn't stop it.

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
I opened USBank checking account XXXX around XX/XX/2022. USBank requested me to make opening deposit of {$100.00} and I used my XXXX credit card to do it. XXXX charged me {$100.00} on the credit card. 

However, without my request, USBank made a " XXXX XXXX '' transaction on XX/XX/2022. It caused {$100.00} deduction in the balance of the checking account. Neither of USBank nor XXXX had informed me before I contacted them a month later. 

USBank said " we received notification that we were unable to receive funding from the account used to process the opening deposit ''. XXXX did not refund the {$100.00} charged to the credit card. 

I do not understand why USBank can not talk to XXXX and both have my permission to do so. Customer lose money from bank account but bank does nothing - I do not think it is a standard protocol of financial industry.

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 2022-12-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-12-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: SC

Complaint narrative:
I have paid the loan this loan. This was about a {$3000.00} loan. I have paid over {$6000.00} back with interests. I thought that this was over until I applied for a mortgage and it showed up that this account was in collection. A few days ago a recieved a settlement letter stated that they would settle the account for an additional {$1700.00}. That is robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: GA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: GA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX cell account # XXXX. XXXX owed {$1100.00}. The debt was transferred to Convergent Outsourcing XXXX. Which was settled for XXXX cents on the dollar. I paid Convergent Outsourcing account # XXXX {$550.00} to settle the account. They said they would report it to XXXX as account paid for XXXX cent on the dollar and it should be closed with a XXXX balance. They also sent me a letter with a receipt for the amount paid for less than the full balance and the account should be closed. It would also be reported to XXXX as such. 

XXXX is telling me i still owe the balance although it was already settled with the XXXX XXXX. That is mis-information on both of their part. The XXXX account should show settled and with a XXXX balance and account should be closed. But the account is still showing open with a balance on XXXX side.

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 2022-12-21 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: NY

Complaint narrative:
On XX/XX/XXXX I realized that my Experian Credit Report listed a XXXX  and XXXX XXXX Credit card under my name. I review the information with both companies and they confirmed that I did not have an existing account with them. The conclusion I reached with those companies was that Experian incorrectly listed me as an authorized user as me and my dad share the same name ( XXXX XXXX ). 

On XX/XX/XXXX, I submitted a dispute with Experian to resolve this, only to get a response back saying my information was deemed correct ( Report ID : XXXX ) .I have tried contacting the company on multiple occasions, even emailing asking if they can call me or direct to me a correct contact. All the numbers they give me have zero methods of talking with an actual person. Unsure why a credit agency would make it so difficult to reach customer support until a complaint is officially filed. CFPB should not allow Experian to be so hard to reach, especially for people who may not have the technical abilities to figure out how to solve this. I had to go on multiple forums to see different methods to resolve my issue. Credit Reporting adjustments shouldnt be this complicated and it is putting my credit at risk.

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 2022-12-21 00:00:00
Product: Credit card or 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: CA

Complaint narrative:
On XXXX occassions when I tried to use the card to pay for a purchase, the card was declined. I have now called the card issuer 3 times. When I enter the card number into their automated system, the message I get is that the card number is invalid. 

I have spoken to a card issuer rep on XXXX separate occasions. Either I get placed on hold and no one ever comes on the line, or I get disconnected after explaining my situation. I am courteous and respectiful, so I don't know what to think.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: FL

Complaint narrative:
I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX In accordance with the fair credit reporting act XXXX  account # 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 an 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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: DISCOVER BANK
State: GA

Complaint narrative:
I have a dispute currently, that I could barley submit with discover because of such a difficult time with the methods that they prescribed and the lack of availability of said methods to effectively communicate to them. After I was finally able, by other means, to notify them in writing because the phone conversations went nowhere and false and inaccurate information was provided to me on numerous occasions. The attached files are evidence to show that they falsely claimed to have resolved the issue even though they have yet to even respond to the dispute via the CFPB portal. I did receive mail, see attached, yesterday XX/XX/XXXX the letter was dated XX/XX/XXXX about how they are required to report accurate information to the cra 's and they must report as disputed unless I advise them to remove the dispute status. However, its clear there has been no resolution, in spite of what is reporting on only the XXXX report. The other agencies make no mention of any dispute at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

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

Account : XXXX XXXX ( XXXX removed once then put back on my report ) 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX In accordance with the fair credit reporting act XXXX account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: FL

Complaint narrative:
I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX In accordance with the fair credit reporting act XXXX account # 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 an 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 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Applicant was denied credit and/or charged unlawful fees which were to be included within the financing agreement pursuant to the Truth in Lending Act and/or other applicable regulations and provisions pursuant to the Uniform Commercial Code, XXXX XXXX XXXX, the Codes of Federal Regulations. Additionally, payment of negotiable instruments were not honored and/or properly recorded or adjusted to provide applicant/owner proper tax documents, lawful title, and/or benefit. 

It is unlawful to be denied credit or for any creditor to discriminate against any applicant as it creates an adverse action pursuant to : Title 15 USC 1691 Chapter 41 Providing Scope of Prohibition ; 15 USC 1681 Providing Congressional findings and Statement of Purpose 15 USC 1611 Providing for the Criminal liability for willful and knowing violation 12 CFR 1002.4 Providing for Discrimination, Discouragement, and Scope of Rule concerning dealings between an applicant and creditor.

Additionally, the illegalities of finance charges and downpayments are defined, established, and lawfully remedied in : Title 15 USC 1605 Providing for the Determination of finance charges ; 15 USC 1662 Providing for the Advertising of downpayments and installments ; 15 USC 1635 Providing fo the Right of Recission as to certain transactions. 

Similarly, the Uniform Commercial Code 9-102 Providing for said negotiable instruments as were submitted pursuant to the Uniform Commercial Code 3-104. 

To avoid further litigation or process please provide immediate remedy, recourse, and/or reconsideration for credit, financing, and/or purchase giving full faith and credit to the applicant has the ability to secure or otherwise settle the security for the instrument and/or property enjoining a lawful consideration or refund of the total amount tendered of {$14000.00} by way of recission pursuant to the above listed applications of law.

Company response to consumer: Closed with explanation