vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions Bank, at their XXXX XXXX branch in XXXX AL. This started on the date of XX/XX/XXXX. 
Their ATM outside their building facing the XXXX malfunctioned and when I was making a deposit for the amount of {$600.00}, it came up with an error through the transaction and gave back a {$1.00}. The dollar got stuck in the machine and the ATM malfunctioned and gave me an error, took all of my cash and gave no receipt. 
I went the the branch the next day, and filed a dispute. They gave a credit of the {$600.00} back, and said they had to wait for the trucks to collect the money in the machine. Theyve mentioned the trucks come every week. And fast forward to XX/XX/XXXX when they took back the credit theyve gave me. And said my deposit was only {$180.00}. So I had to pay back {$420.00}! I filed another deposit and it was instantly denied. The XXXX XXXX inside the branch could not help me, due to him apparently not having access to the machine. I sold a computer on the XXXX in the parking lot across the branch, and I have messages to prove I met someone in the parking lot to prove it was indeed the {$600.00}. I requested them to check the security cameras and they denied my request, due to the fact they claimed it would not help my case. I told XXXX that you can tell the difference between a stack of {$20.00} in the form of {$600.00} vs the stack of {$20.00} in the form of {$180.00}. Because it would be a bigger stack. They still claimed they couldnt check the cameras unless i had law enforcement. They also claimed if I had a receipt it would be a different case. But their machine did not provide one. The same thing that happened to me, happened to my mother this month as in XXXX. The stopped providing responses. I have all the proof they want but they wont take it. I just wanted them to check the cameras and see that I indeed had a stack of {$20.00} in the form of {$600.00}.

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 2023-02-28 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: FL

Complaint narrative:
this is my 2nd attempt. I am interested in processing disputes to transunion for the invalid information reported to my credit report. these errors are hindering me from moving forward and need to be deleted an correct. please review information asap.

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 2023-02-28 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
2018 was given a modification by using AFFORDABLE HOUSING AGENCY IN XXXX NJ, WELLSFARGO RECORDED THIS MODIFICATION AS A FORECLOSURE! AS A RESULT, A NEGATIVE REMARKON MY CREDIT FOR MAKING LATE PAYMENTS HAS NOT BEEN REMOVED BY WELLSFARGO.

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 2023-02-28 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: CA

Complaint narrative:
XXXX XXXX account # XXXX This account is a charge off and I settled with a small payment to delete account after payment. The payment was received however it was never deleted/removed from my account. Also the credit bureaus is still reporting delinquency which is more seven years.

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 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK
State: FL

Complaint narrative:
I supposedly wired money to a fraudulent broker. However, I wired my money to an account with East West Bank- a US based account. They should have done a KYC check, and would be responsible for protecting consumers from fraudulent scams and fraud bank accounts. Loss amount {$370000.00} via wire transfer in 3 separate occurrences to 2 different accounts all by East West Bank. They are engaging in money laundering, letting a fraudulent broker operate with multiple East West Bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account number XXXX Date : XXXX XXXX Amount : {$3000.00}, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX Date : XXXX XXXX Amount : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX in XXXX ga coded XXXX XXXX incorrectly. 
XXXX Charge turned over to collections is {$150.00} This was a no charge XXXX XXXX that she coded wrong. This is preventative procedure for XXXX. 
XX/XX/ order date. She used order diag as XXXX. 
I have repeatedly called so many times to her to correct. She finally corrected it but I dont know how it needs to be submitted to credit unions to remove it. She informed me that the code was changed. I have filed disputes to all 3 Credit agencies. 

XXXX has deleted from my account but the other two have not. 

This has reduced my credit score and I can not get it corrected. 

I can send the report if you let me know how Drs phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
this is my 2nd attempt I am interested in processing disputes with Equifax to clear my credit report with the inaccurate information That it is showing. please delete an remove the items listed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 instruction

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 2023-03-01 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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 instruction

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Unrequested EMAIL communication from Wells Fargo Credit Card ( WFCC ) SECURITY/FRAUD DEPARTMENT SHOWING DENIED TRANSACTIONS AND ASKING IF CHARGES WERE VALID ( THEY WERE NOT ) WHILE PERFUNCTORILLY AND AUTOMATICALLY CANCELLING CURRENT CREDIT CARD WITHOUT CONSUMER RECOURSE OTHER THAN THE HASSLE OF NOT HAVING CARD WHILE WAITING FOR SLOW, SNAIL MAIL OF REPLACEMENT CARD MAILED TO ANOTHER COUNTRY.

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 2023-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
A complaint was filed with the company to Validate the debt, and they have yet to do so. They still have yet to send a letter explaining what the debt is for. They do not even know if its mine or what it is for, so how are they trying to fraudulently collect on something that they have never verified. They have also called me by another name in their response to my initial complaint which was changed up until recently in which if I do have the debt they have the wrong name once again failing to be verified.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: CA

Complaint narrative:
my credit report is showing a auto loan from XXXX XXXX XXXX for the about of {$37000.00} opened on XXXX XXXX XXXXXXXX this account does not belong to me and I would like it removed from my account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: CA

Complaint narrative:
my credit report is showing a auto loan from XXXX XXXX XXXX for the about of {$37000.00} opened on XXXX XXXX XXXXXXXX this account does not belong to me and I would like it removed from my account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was noticed last night my credits were being looked about by capital one. I did not open a credit card someone used my information. They got my XXXX and XXXX credit reports. I called the company they said there was no account under my name but this afternoon XX/XX/23 capital one called to let me know there was a fraud department asking if I opened an account and I said no. The told me to notify XXXX and XXXX to let them know it was fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I file a dispute regarding no late payment I have always been on time and got a letter from the creditor report account in good standing never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: MD

Complaint narrative:
I file a dispute regarding no late payment I have always been on time and got a letter from the creditor report account in good standing never late.

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 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a letter from CHASE bank informing me that the were closing my credit card account. I called to find out their reason for wanting to do such, and they wouldn't provide me with a valid reason or any wrong doing. I feel that I'm being discriminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX ) 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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
This complaint is directly related to a previous CFPB submission " complaint ID XXXX '' On XX/XX/2023 at XXXX, I received a text alert regarding an unauthorized Chase Zelle transaction , to which I responded that I did not authorize the transaction. I then received a call at XXXX from what I recognized as the XXXX Bank customer service support line at XXXX XXXX XXXX. The caller indicated my Zelle account linked to my XXXX account had been compromised. They instructed that in order to intercept the {$1900.00} payment, I needed to authorize a Zelle " halt payment '' to XXXX. I followed the caller 's instructions with the intention of protecting the indicated amount ( {$1900.00} ). My call was transferred to the number XXXX listed as XXXX XXXX who completed the Zelle halt payment transaction. 
The connection for that call was lost at XXXX but the steps I'd taken evidently led to the Zelle payment of unknown individuals for an account whom I do not, nor does XXXX Bank have any connection to. 
At XXXX XXXX I called the number back which was the XXXX Customer Service line and immediately filed a claim to dispute the transaction. There was a claim submitted at that time indicating the fraudulent nature of the call however they did not initially report the recipient 's information. The recipient account has since closed it's Zelle account. 
I was informed that the claim was denied on XX/XX/XXXX. No further steps were suggested other than to report through the Zelle app. The Report Zelle Scam form online explicitly refuses to compensate victims of this type of crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: FL

Complaint narrative:
this is my 2nd attempt. checking my credit report I am interested in processing a dispute with experian about the inaccurate information on my credit report. I need my account updated an items deleted that are invalid an causing errors on my file. please delete these items asap.

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 2023-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BMO BANK NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Bank of the West made an error with my RV loan account for XX/XX/XXXX statement that was due XX/XX/XXXX. They claim that I missed that payment. I tried calling them dozen times at least only to get transfered from one customer rep to another then hung up on. So I tried to email them just to get a request to call. That don't work. So I mailed them a letter to their XXXX office as described on the back of my statement. Explaining their error along with a copy of my bank statement and a copy of the processed check that was posted to my checking account on XX/XX/XXXX. This was the XXXX of XX/XX/XXXX and by the first of XXXX I still have had no response or credit correction made to my account. So I mailed again the XXXX of XXXX all documents to the XXXX office and this time also their XXXX XXXX office where I make the payments. Still the XXXX of XXXX and no response or correction to my account. I am convinced by phone, email, and standard mail that if they just ignor me I will just go away and forget the whole thing! 
.

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 2023-02-28 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: TX

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. 

ADD ACCOUNT NAME, ACCOUNT NUMBER AND THE LAWS EXAMPLE : 1XXXX XXXX XXXX XXXX- Account Number:XXXX, has violated my rights. 
2. XXXX XXXX XXXX - Account Number:XXXX has violated my rights. 
3. XXXX XXXXAccount NumberXXXX, has violated my rights. 
4. XXXX XXXX XXXX-Account NumberXXXX, has violated my rights. 
5. XXXX XXXX XXXX XXXXXXXXAccount Number : XXXX, has violated my rights. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate 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 other 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.

Please delete these accounts off my credit report IMMEDIATELY and update of late payments to a positve status.

Company response to consumer: Closed with non-monetary relief