vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XXXX XX/XX/2023, I ordered a bank check from XXXX XXXX  made out to the Internal Revenue Service for {$13000.00}. It was cashed at a WellsFargo bank, without endorsement or proof of identity on XX/XX/2023. I received notice on XX/XX/XXXX that the IRS had not received my check and when I went to XXXX to get proof that they had cashed it, we discovered that WellsFargo had cashed the check without an endorsement. I filed the avidaffit of fraud paperwork on that date and notified the IRS, however, the IRS said " oh too bad, here are the fees and charges for paying late. " XXXX and their affidavit department has been in contact with WellsFargo almost weekly since XXXX, however, after the initial two contacts, WellsFargo has stopped responding to the calls. They also have not replied to my attempts to reach out. 
The original check was for {$13000.00} and that was cashed against the account on XX/XX/2023. The fees from the IRS are $ 450 monthly. WellsFargo has done nothing to help resolve this case as it appears that one of their tellers knowlingly cashed a check made out to the INternal Revenue Service without requesting IDentification or any kind of verification.

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 2023-08-28 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX - ACCOUNT # XXXX, XXXX XXXX XXXX - ACCOUNT # XXXX, XXXX XXXX - ACCT # XXXX, XXXX XXXX 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 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 2023-08-28 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX - ACCOUNT # XXXX, XXXX XXXX XXXX - ACCOUNT # XXXX, XXXX XXXX - ACCT # XXXX, XXXX XXXX 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 a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited a check I received and it was returned for fraud and my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Just want them to verify and update so my Report can be accurate. Experian Is the only one reporting these Items inaccurately.

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 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My mom sent 2 wires from her checking at HSBC to my checking account at XXXX XXXX twice, unsuccessfully, because she mistakenly used a retired/stale XXXX XXXX routing number ( XXXX ) notwithstanding the right account number. Rightfully, twice the amounts were bounced back to her HSBC account but each time {$50.00} was withheld ; in total a total of {$100.00} was docked, given 2 round trips. 
I would like to request courtesy waive and imbursement of the {$100.00} as it was an honest mistake and first time offense. However, neither sending bank ( HSBC ) nor receiving ( XXXX XXXX ) acknowledged that it charged the fee. Its a mystery case but {$100.00} is withheld by someone but neither is helpful in figuring out whom, simply directing me to the other. 
The two dates, out-going and bounced amounts were were ( statement also uploaded ) : 1st : XX/XX/2023, out-going wire = {$830.00} from HSBC ( returned XX/XX/2023 but only {$780.00}, {$50.00} lower ) 2nd : XX/XX/2023 out-going wire = {$780.00} from HSBC ( returned XX/XX/2023 but only {$730.00}, {$50.00} lower ) I called HSBC Customer Service and visited HSBC Branch ( at XXXX XXXX , even spoke to Branch Manager on XXXX ) and was told that the fees were not charged by HSBC, and directed me to XXXX XXXX. I called XXXX XXXX Customer Service and visited its branch ( at XXXX XXXX in XXXX XXXX on XX/XX/XXXX ) and was told XXXX XXXX did not charge any fee. In fact, the retired/stale routing number that my mom used wont accept any incoming wire ( or the amount would have been applied towards my account ) XXXX XXXX XXXX ( All other XXXX XXXX Offices XXXX XXXX XXXX XXXX ) From speaking with HSBC and looking at statements, these 2 wires were sent via XXXX  ( XXXX XXXX XXXX ) and the relevant sequence # on both wires, both outgoing and the bounced return were included in the statement attached I also tried calling XXXX  at its customer service number shown online but a representative told me they wont interact with retail customer ( XXXX XXXX XXXX at the Customer Service at Phone : XXXX ) At this point, I dont know where to turn to appeal for the reimbursement of {$100.00} fee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: DE

Complaint narrative:
The Bureaus Inc, has stated per " No. of Months ( terms ) '', I have a '1 month term '' with them for account # XXXX. This is incorrect. This was charged off by XXXX XXXX, there are no more terms with them. What terms and agreements did I sign and agree with The Bureaus when they purchased this debt? None. So this is inaccurate. ( Please note : even the 2 year payment history states " CO '' /Charged Off, so no payments past due to The Bureaus ). Please send proof of contract signed with The Bureaus for this " 1 month term '' that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting 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:
XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on equifax 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 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 am the victim of identity theft and I dont recognize one or more of the accounts on my report. Also I am a victim of data breaches. I did not authorize or conduct an inquiry for the above company. Please investigate and remove. FTC REPORT # : Report number : XXXX, Report Number XXXX, Report NumberXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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.

has violated my rights. Or list of inquiries 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 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.

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 2023-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally dispute certain inaccuracies present in my TransUnion credit report. On XX/XX/XXXX, I contacted TransUnion regarding these discrepancies, but I have not received any response as of today 's date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 

Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} The account labeled as XXXX with Account # XXXX XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} The account labeled as XXXX  with Account # : XXXX is not associated with me, and I respectfully request its removal from my credit report. 
Account Identifier : XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} The account labeled as XXXX XXXX XXXXXXXX with Account # : XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} The account labeled as XXXX XXXX with Account # : XXXX has never been late, and I kindly request the correction of this inaccurate information 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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Between XX/XX/2023 and XX/XX/2023, an inquiry made by XXXX CARD SERVICES was added to your credit report. 
I have not applied for a credit card with this or any other company. This is incorrect and not me. Please remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting 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:
I have sent in the necessary documents to Transunion credit reporting agency, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today XXXX XXXX XXXX XXXX ET, that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need Transunion 's fraud department under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain.

Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation, 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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im on XX/XX/XXXX and deposit a check for {$13000.00}. They gave me a print out saying that I am XXXX would be a be available. I am on the XXXX and then the rest on the XXXX. I came in on the XXXX and they said they were putting a hold on it till the XXXX. Well I explain how God put me in a hardship and I resent to back to the bank where I initially deposited it talk to speak with the bank branch manager who directed me to call the holding department because its the only people that can not release the hold because on my lawyers and another financial institution is and the bank the check is fine and good so they told me I had to put in an expedition paperwork and it would take 48 hours I didnt either that money would be my account or they would have a email them answering me. It has now been 48 hours and they have neither.

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 2023-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Around XX/XX/2022 I was making a purchase online at Victoria Secreta and a credit card was offered to me. The purchase was charged to the credit card and I payed only after I got and SMS informed me that, but never got any details about the account. I never got the credit card or any bank statements. After a few months I was informed that I owe Comunity bank some amount for the credit card ( fees ) and pay in full and ask for the account to be closed. But after 2 months or so I got an other call from Comunity bank saying that I owed more money for the credit card I already calcel.

Now is affecting my credit score and I still don't get any information so I can pay the amount they say I owe for a credit card I never get or use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: UT

Complaint narrative:
Nelnet is my student loan servicer. I have recently called twice and asked to speak to a supervisor. The representative usually put me on a hold for about 10 minutes and comes back saying there is nobody available and will receive a call back. I have not received the two call back request Some of my student loans were discharged recently, however, the interest for those loans were not discharged.

Nelnelt added approximately {$28000.00} to my loans whiles in COVID 19 forbearance with zero interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
For months I contacted bank regarding NSF fees hitting repeatedly account and their allocation of funds available and when they post creating this domino effect and they said they would look into it, than no one called or emailed back, call again nothing, than they come out with no more fees and than follow up and tell me too old to reimburse! I stopped using account and they just closed me for no activity.

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 2023-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: OH

Complaint narrative:
This debt has reappeared on my credit report after being discharged in bankruptcy. This debt collector is not authorized to collect debt in the state of Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-08-28 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This is my complaint for APPLE CARD/GS BANK USA XXXX I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory item that I was not aware of. I found fraudulent charges and account with inaccurate information, such as payment history, status,, balance, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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