vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX Consumer Complaint I have the following complaint with Bank of America : 1. On XX/XX/XXXX, I wired {$2000.00} to a Bank of America account of a vendor I have wired funds to before and subsequently.

2. Bank of America rejected the wire and returned it with the reason that the address was incorrect. 
3. Bank of America returned the funds and deducted {$45.00}. 
4. Bank of America subsequently accepted a wire to that account from my same sending account at XXXX with the same instructions. 
5. The sending instructions at XXXX are registered on my account and were not changed. 
6. I called Bank of America and they said charges on returned wires are not refundable even if their error. 

I think this is completely unfair and inappropriate. When a banking institution makes an error with a non-customer, they should return a fee they have taken. I suspect this situation occurs many thousands of times a year and is a source of significant loss to consumers. 

Details are below. 

I ask the XXXX to investigate this on my behalf, and ask Bank of America to return the {$45.00} fee to me and all similarly situated banking consumers. 

Kind Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wire Data Bank account data showing sent wire and wire received less {$45.00}. 

XX/XX/XXXX Incoming Wire Transfer WIRE FROM BANK OF AMERICA {$1900.00} XX/XX/XXXX Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to Seart - {$2000.00} Bank account data showing subsequent wire sent to same address and accepted. 

XX/XX/XXXX Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX - {$6600.00} - {$6600.00} Wire instructions to vendor from my XXXX account BANK OF AMERICA N.A. 
US Send to this Account Account Currency US Dollar ( USD ) Account Number XXXX Routing ( ABA ) Number XXXX Wire instructions from vendor Bank of America XXXX : XXXX XXXX XXXX XXXX Account : XXXX Routing number : XXXX ( for wire transfer )

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
Have been on the phone with USAA trying to get a dispute resolved. I had two disputes filed with them which were from the same vendor. I filed two claims with them from transmission work I had done. The first one was the deposit before work began and the second the balance when van was complete. My issue is I am getting two different stories about their investigation. The first claim looks to be closed out and was put back on my card on XXXX which made me investigate why? The reason they gave in their letter to me was that the merchant refused to issue a credit and they could do nothing. This made no sense to me since if it was left up to the merchant they would never issue credit. The second dispute I received a letter dated XXXX saying the merchant would credit the amount back if I returned the transmission. The merchant knows this is not an option since I had to replace the transmission less than one month later at another XXXX dealer and that dealer retained it when they replaced the poor workmanship of the first dealer. After many attempts to explain this and to USAA people they escalated it to their Member Resolution Dept. who was no help and shut both of the claims down as of today XXXX. How can two investigations for basically the same transaction come up with two answers from the merchant and then just decide that he is telling the truth and my claim is not valid. The Member Resolution Team shut the second claim down even though I had till the XXXX to respond to the XXXX letter which I did. I was also told last week by the USAA credit card division that they woudl reopen the case. Less than XXXX hours later they said their decision stands. I was told that I would have to resubmit and start the process all over again via mail, which also makes no sense. I tried to get back to the Member Resolution team a second time and after waiting almost XXXX minutes on hold they answered and I was disconnected. I feel abandoned and left to fend for myself when the whole reason we all use credit cards is to have some type of protection from poor workmanship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MO

Complaint narrative:
Yet again for the 3rd time today experian emails me another lie saying disputes are ready but of course they are not

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
These accounts are not mine and for a long time I have wanted them to be removed from my credit. It is something that has hurt me for a long time. 


Bankruptcy XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These accounts are not mine and for a long time I have wanted them to be removed from my credit. It is something that has hurt me for a long time. 


Bankruptcy XXXX XXXX XXXX XXXX XXXX

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 2024-01-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I received a special pre-qualification letter in the mail to respond by XX/XX/24. The offer was to renew my existing installment loan from {$12000.00} to {$15000.00}, payoff current loan with one main financial and have up to {$4000.00} cash available. My current monthly installment loan for XXXX was {$300.00}. My new loan provided {$500.00} cash available, paid off the current loan, but increased the monthly payment to {$340.00} ( with the extra {$500.00} ). This also triggered another hard pull inquiry on my credit profile ( negative impact on score ). My complaint is specifically related to the mis-leading pre-qualification letter I received in the mail. The letter comes from their corporate home office ( not local branch ). To have an existing payment increase from {$300.00} to {$340.00} for {$500.00} when already had a good payment history on prior account seems excessive. I am set up on XXXX, took another hard hit on my credit profile, because of this misleading pre-qualification solicitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: FL

Complaint narrative:
i have sent disputes to this company to verify these accounts reporting on my credit report, no response and the unverifed accounts have not been deleted!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One continues to show this account on my credit report, I always claimed that this account was NOT mine, even so they never listened to me, well this account has already expired, it has been more than 5 years since the last transaction, plus it is an account from 2011 for more. Letters that I have sent to Capital One have not removed this report from my credit and it greatly affects me. It also says that it is in a supposed collection, which is not correct. Other thing the only Capital One Card i own is Capital One Silver and is in good Standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

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 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC
State: OH

Complaint narrative:
They have called and left a voicemail to a person I share a home with. on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. I submitted a request on their website to not contact a specific phone number. They proceeded to call that number. I called them today and told them to not contact that number anymore. They did not confirm they will stop, and proceeded to attempt to get more information out of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: GA

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment reported on XX/XX/XXXX and XX/XX/XXXX for my Calcon Mutual Mortgage Account Loan # XXXX. I want you to know that I understand my financial obligations, and if it werent for my medical episodes and lack of work, Id have an excellent repayment record. Also, I was under the impression at that time I was under credit suppression due to be being misinformed by a number of customer service representative form Calcon advising me that I am. I believe there should be some type of leniency because I was misinformed until now I made a mistake in falling behind, but since then I have been employed I was able to catch up on payments. 
Since then, Ive had a spotless record of on-time payments. Im planning to apply for a refinance of my home, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late 60-day payment on XX/XX/XXXXXXXX  and XX/XX/XXXX due to being misinformed from Calcon and the medical issues that affected me tremendously Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: 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.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
XXXX  XXXX is furnishing inaccurate information to Early warning services. XXXX XXXX has been notified that the information is inaccurate and due to fraud that has been being reported and is a direct violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies which states : Reporting information with actual knowledge of errors 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. 

This account was created due to fraud and not my authorization. It is affecting me opening an account at other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  Account Number XXXX THIS ACCOUNT HAS BEEN CLOSED SINCE 2019, WAS PAID IN FULL AND I ASKED TO CANCEL THE ACCOUNT BEFORE LATE PAYMENTS HAVE WOULD BE PLACED. THIS NOT A CREDIT BASED IT WAS A SAVING CD CREDIT BUILDER ACCOUINT. THEY RECIVED ALL PAYMENTS AND REFUNDED MY TOTAL DEPOSIT. BUT LEFT 3 LATE PAYMENTS. THIS IS A VIOLATIUION OF 15 U.S. Code 1681i I NO LONGER OWN THIS ACCOUNT AND DID MAKE LATE PAYMENTS, PLEASE HAVE THIS ACCOUNT REMOVED AS IT IS HOLDING ME BACK FROM BE ABLE TO GET A AUTO LOAN AND I REALLY NEED MY CREDIT AT THE MOMENT. 

THE ACCOUNTS REPORTS XXXX DIFFRENT LAST USED DATE WHICH ARE ALL FALSE AND VIOLATION OF 15 U.S. Code 1681i PLEASE REVIEW THE DETAILS ON THE CREDIT REPORT ATTACHED AND OTHER DOCUMENTS TO SUPPORT PROOF OF THIS THEY CONTINUE TO UPDATE THE DETAILS INCORRECT ALSO WITH WRONG STATUS AND DATES DIFFRENT ACROSS ALL 3 COMPANIES ANOTHER VIOLATION OF MY RIGHTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
For billing period XXXX my Adjusted New Balance as shown on my statement reflects {$520.00}. This was incorrectly calculated as the full adjusted balance was paid in the previous billing cycle and new purchases totaled only XXXX. The discrepancy appears once more in the most recent billing statement with interest fees added to the balance. The Adjusted New Balance on the statement for billing period XXXX is once again incorrectly calculated. 

I called Citi customer service 2 separate times on the morning of Friday, XX/XX/XXXX and spoke with 3 separate representatives. After several hours, I was not offered any explanation as to how the balance was calculated and was promised a call back from a supervisor within 24-48 hours. We are well beyond that timeframe and there is still not response from Citi.

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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to you today because I do not know where to turn for help. We are in desperate need in obtaining our money back to pay our rent that was due XX/XX/year> because of the incident below : My husband allowed our son to play on his tablet. My XXXX, who is XXXX XXXX XXXX and XXXX purchased {$10000.00} in XXXX XXXX XXXX and XXXX is refusing to credit us. My autistic son got hold of my husbands passcode to make the purchases but he never used any of the downloads. Frankly, our XXXX  son did not know he was causing any harm. 
I was on the phone with XXXX on XX/XX/year> for XXXX hours trying to explain the situation and they said the maximum they can credit us is {$800.00}. They said to dispute it with our bank, Wells Fargo. 
My husband and I have reached out to Wells Fargo since XX/XX/year> and as of XX/XX/year> they said they denied the claim. The escalation team said " no '' they did not approve it. When my husband asked Wells Fargo what the criteria was for rejecting or accepting the claim, they said they would not answer that question. We, of course, gave the bank full details about the issue that our son, who has XXXX, purchased these charges erroneously. Our son does things repetitively. So when he clicked the button and saw numbers, he simply thought it was a game so to speak. Our son loves numbers so the higher the number, in his eyes the better it is. He takes pictures repetitively, he speaks repetitively. I don't know what to say except we can not pay our XXXX rent nor put food on the table. This is heinous. Big banks and Big Corporations such as XXXX just want to squeeze the money out of the consumer. 
I am sickened. I have the denial letter if you need me to upload it. 

The claim # is : XXXX and their reason for denial : " They didn't find any evidence of wrong doing. '' So, they basically took our money and accepted the charges as is. 
Bottom line, Wells Fargo and XXXX won't take any action to give us our money back. The claim is for the amount of {$10000.00} Please, can you help us? 
Sincerely, XXXX XXXX and XXXX XXXX ( XXXX and XXXX to our son, XXXX XXXX )

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