vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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: CA

Complaint narrative:
Deposit at Wells Fargo ATM, XXXX XXXX XXXX XXXX., XXXX, XXXX, on XX/XX/2021, check # XXXX for the amount of XXXX. 
Check was jammed in ATM machine filed a claim with Wells Fargo ATM claims and customer care and the amount has been credited and returned to maker and now has been debited from makers account again on XXXX. 
The funds from maker 's XXXX XXXX account same amount same check number. But never deposited into my account. 
This check has been an on going problem and never gets resolved. 
I had to pay my client back the money now for the original check issued to me from Wells Fargo mistake. Where is the funds now! 
Wells Fargo initially said there was no error but how did the check the first time deposited witch was jammed get returned to maker funds deducted from his account and get credited back to his account and check returned. 
Now months later the same check and amount gets withdrawn from his account again I have all letters and bank statements to support this claim.

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 2022-02-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. why these items should be deleted are indicated below : Item # XXXX XXXX XXXX Reason for Deletion According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

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 2022-02-21 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: Bull City Financial Solutions, Inc
State: OK

Complaint narrative:
Repeadly calling me, and nobody will be on the line for several seconds after I answer, then they ask for someone who is not the owner of the phone. I tell them this, ask them not to call again, abd then I get another call. Eventually they must change their company name because they just keep doing the same thing from different numbers, some of the times I can not even get a business name from the people.. i can hardly even you my phone they call so often.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX Equifax Credit Report approx. XX/XX/XXXX and began to dispute inaccurate and/or outdated info. in credit file dated XX/XX/XXXX asking to correct Personal Data, and Disputed an XXXX XXXX Account XXXX being reported. I also reached out to XXXX on XX/XX/XXXX advising that I disputed this claim and requested Validation. Mail was returned undeliverable from address listed on Credit Report : XXXX lmation XXXX, XXXX, MN. XXXX. On XX/XX/XXXX I forwarded copies of returned mail to Equifax and instructed them to DELETE the derrogatory reporting. As of this reporting, Equifax has failed to respond, and I am asking that this item from XXXX be REMOVED from my credit reporting file due to failure to respond with the required time frame according the the Fair Dept Collection Practices Act. ( Prove it or remove it )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. To Equifax Recently i did an inves
tigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from my credit report 2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was a secondary card holder on my mother 's AARP Rewards Chase credit card. My mother died on XX/XX/2021 and Chase cancelled the account. After her death many returns were made to merchants. There is XXXX return where XXXX credited the Chase account, and Chase has never made a refund to me as the next-of-kin who is settling her affairs. I have received other refunds from Chase. I have called the Chase Estate Department multiple times at XXXX and have been consistently told that XXXX did not make a refund to Chase. That is not true. XXXX refunded {$44.00} to Chase on XX/XX/2021 at XXXX XXXX I have provided Chase with the refund transaction code. Chase 's wrongful retention of the {$44.00} is theft. I have asked Chase in writing to refund the monies, plus interest since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX  extended credit to a fraudulent person for services. acct XXXX. XXXX has passed the bad debt to Credit Managment LP of XXXX TX and they sent me a letter demanding payment. 

First I have not had cable in over 22 years and am XXXX XXXX XXXX XXXX  customer. 
Secondly XXXX did not try to contact me at my permanent address. 
Third I only know XXXX extended this account to someone in Florida which I have never lived there. 
Fourth I have my Credit Bureau files " locked '' down with a pin. It appears XXXX did not perform due diligence to ensure the credit is good and valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
My XXXX father with limited English language and computer proficiency started trading crytocurrencies for a brief period in 2021 on the Robinhood platform. I was living in his home at the time, so I was able to provide him with the assistance he needs in order to not need customer service assistance. Since then, I have returned to my own home and have assisted him with basic online needs remotely. 

The problem arose when he requested tax documents to be mailed. Since he is unable to get them online, I was able to work with his other brokerage firms to get his tax statements mailed to him. When we tried to get them from Robinhood, there were all sorts of issues, including : - no direct phone number that can be called to reach a live customer service representative - completely useless online customer service email correspondence to the issue at hand in numerous attempts to get the service we needed - what felt like robo customer service with no discernment for emailed customer inquiry While I understand that one presumably needs to be technically proficient to trade a technical product, these are real financial transactions with what the XXXX indicated today is a SEC-regulated financial instrument. The customer service setup implemented by Robinhood has set up unreasonable barriers under the auspices of account security to prevent certain segments of their trading customers to easily obtain tax documents required by the IRS in a non-online method. If they can not match their peer brokerage firms in being able to provide equal ability to call in for a simple request like mailed tax documents, this should be regulated just like any other financial institution. I should not have to " hack '' into my father 's email and Robinhood account ( all with his permission ) in order to get the documents when a simple phone call would have handled it within five minutes, like with his other trading account firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The Bureaus did not respond to my request for the removal of an inaccurate account in my credit file. My account with CAPITAL ONE is displaying damaging and erroneous information. I have sent requests to the bureaus but I didn't receive any letter and according to FCRA 's law, if the bureaus does not respond to any of my request after 30 days, the account must be deleted or removed from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I don't owe anything to NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act and seeking a validation of debt of an account that is currently been reported on my credit report. The XXXX XXXX  XXXX account that is been reported on my credit report is what I am speaking of. The account number for that account is XXXX. I am seeking documentary evidence that this account belongs to me. I am also seeking documentary evidence showing the payment history on this account and the amount paid each time on this account. 
If you are unable to provide me with this information then under the Fair Credit Reporting Act then this account should be deleted from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I, consumer, XXXX XXXX extended credit to American Express XX/XX/2022. Theres no third party involved. I received a denial letter in the mail. Pursuant to 12 CFR 232.1, a consumer can only be denied employment or insurance. Their reasoning for the denial is NOT a valid reason according to Title 15. A FICO score doesnt have to do with anything a credit transaction. I sent off a letter on XX/XX/2022 informing them that I reject the our contract agreement. Yes, it is a contract because I gave them an application which is considered a financial asset. If they do not reconsider, I will pursue ligation. I have a case for Identity Theft because they created an account ( ending in XXXX ) and I havent received a card in the mail. I have an inquiry on my consumer report which is a receipt that a transaction was made. As of now, I have not received any benefit from the consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
The Bureaus did not properly investigate my account with ALLY FINCL XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete, too. No 120 days record was found prior to getting the account to be a charge-off. Moreover, the account has an exact balance which is totally wrong if the account is in fact to be a charge-off. The entire remarks for this account do not concur with each of the information.

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 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened a Business line of credit with BB & T back on XX/XX/XXXX for {$40000.00} under XXXX XXXX, XXXX. This is a solely owned XXXX by myself. This was a three year line of credit. At the end of the three years the line matured meaning I no longer had access to the funds. BB & T charged an annual {$100.00} fee starting on the origination date and each anniversary after that. The agreement states that I shall be assessed that fee on my anniversary until my maturity date which was XX/XX/XXXX. My first {$100.00} annual fee was charged XX/XX/XXXX. My 2nd annual fee was charged XX/XX/XXXX. My 3rd annual fee was charged XX/XX/XXXX. The line matured on XX/XX/XXXX which cut off my access to the line of credit funds. BB & T which is now Truist since their merger decided to charge me a 4th annual fee on my maturity date. The line of credit agreement clearly states I will be charged the annual fee until my maturity date. They charged 4 annual maintenance fees on a three year product. I am also a former employee of Truist bank. I left last year on my own to work for another bank. This is some of the reasons I left working for Truist. This is completely unethical. I have spent over 8 hours on the phone trying to get this fixed but nobody wants to take any accountability. I keep getting passed back and forth between the call center and the branches. Truist employees have agreed that I shouldn't be charged 4 annual fees on a 3 year product but they don't make the decisions to reverse the fee I am told. This is an unfair and deceptive practice that should be stopped immediately. After reaching the proper complaint channels I will be reaching out to an attorney that specializes in class action lawsuits. Common sense should tell the bank that you don't charge 4 annual fees on a 3 year product and when the loan agreement states that the fee will cease on the maturity date they shouldn't charge one more fee. Truist is supposed to be built on TRUST they say.. how can I trust them?

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 2022-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a request to receive all documents used to verify this account and make it published on my credit report. This item is not verifiable and needs to be removed from my credit report. There has been a fraud alert on my credit since XX/XX/2019 and these items should have been verified via phone prior to putting them on my credit file. Attached is a FTC for the stated documents requested.

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 2022-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am in the process of purchasing my first home and my mortgage lender made me aware that my credit score was XXXX points lower than expected. My credit score is affected by an outstanding medical bill from QUEST DIAGNOSTICS for {$50.00}. Service date of medical bill was XX/XX/XXXX. I am very diligent with paying medical bills so I immediately searched my XXXX and was able to find an email from XXXX XXXX ( XXXX ) dated XX/XX/XXXX indicating I had paid the {$50.00} with my XXXX ending XXXX. See attached for proof of payment. 

I immediately called Transworld Systems Inc ( debt collector ). They said I had an outstanding medical bill of {$50.00} ( attached screenshot from TSI web portal ) and I confirmed with them that I had paid it. They said they would follow the standard dispute process for this. I have also filed a dispute letter, attached. 

I called XXXX XXXX multiple times between XX/XX/XXXX to XX/XX/XXXX and no one from their billing department is able to retrieve the associated claim because the invoice is from XXXX and all records from XXXX have been purged from their system. I need a letter from XXXX indicating that the {$50.00} was paid timely so that the credit agencies can remove this from my credit report since it is severely affecting my credit and ability to get a mortgage. QUEST is stating that they can not write me a letter because they can not see the related claim in their systems even though I have proof of payment, so I am at a standstill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Refinance XXXX accounts below mortgages and only XXXX payment was posted. Both wires were sent at the same time and should received and not returned. I have sent both wires confirmations to the bank and they are stating they cant not help. 

XXXX XXXX XXXX XXXX XXXX Wire transfer was received and posted XXXX XXXX XXXX # XXXX Wire transfer is missing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: PA

Complaint narrative:
In accordance with the FCRA, XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, and US DEPT OF EDUCATION account # XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX. XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  XXXX account # XXXX, XXXX  account # XXXX XXXX and XXXX XXXX XXXX XXXX account # XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written 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 non-monetary relief
Consumer complaint received 2022-02-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. why these items should be deleted are indicated below : Item # XXXX XXXX XXXX Reason for Deletion According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Company response to consumer: Closed with explanation