vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
ubject : Delayed Release of Funds and Inadequate Customer Service at Wells Fargo Dear XXXX XXXX XXXX, I am writing to file a formal complaint against Wells Fargo for their handling of a recent transaction. 

Issue : Delayed Release of a Deposited Check Date of Incident : XX/XX/2023 Description of the Incident : I deposited a check for over {$4000.00} into my Wells Fargo account. 
Wells Fargo informed me that the release of these funds would take more than seven business days, which is a significant delay. 
I have contacted Wells Fargo multiple times ( more than 4-5 instances ) seeking a resolution. 

Actions Taken : Contact with Employer and Issuing Bank ( Chase ) : My employer confirmed that the funds were indeed pulled from their account. However, when requested, XXXX stated they do not issue letters of fund release but provided a phone number for fund verification. 
Response from Wells Fargo : Upon contacting Wells Fargo with this information, I was told that they do not perform fund verification. After persistent communication, a representative attempted to contact XXXX but reported being unable to obtain the necessary information. 

Grievances : Lack of Support from Wells Fargo : Throughout this process, the assistance from Wells Fargo has been inconsistent and largely unhelpful. 
Financial Inconvenience : The delay in releasing a significant amount of funds has caused considerable inconvenience and potential financial strain. 

XXXX XXXX : XXXX XXXX of Funds : I request an immediate review and release of the deposited funds into my account. 
Explanation and Accountability : I seek a clear explanation for the delay and mishandling of this transaction, along with appropriate measures taken to prevent such occurrences in the future. 

Your assistance in resolving this matter would be greatly appreciated as I believe that the situation reflects a significant oversight in customer service and transaction handling by Wells Fargo.

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 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX XXXX I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I Want All of these inquiries deleted immediately because I did not authorize these companies to Run my Credit that is Fraudulent!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: DISCOVER BANK
State: CO

Complaint narrative:
I ordered 2 pans from a company XXXX XXXX. It is showing the package was delivered via XXXX on XXXX. I did not get the package. The vendor refused to issue a credit or replace. Discover has taken the position that they do not need to issue a credit stating it is in their service agreements. Discover initially said they would email the information.. they did not. I called again to be told they can not email the information that it must be mailed and it could take 15 days. I filed a police report regarding the missing delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. 

The Federal Trade Commission ( FTC ) makes it crystal clear that when you receive an FTC identity theft report filed with a law enforcement agency ( which is the FTC itself ), your obligation is to comply with the law. 

XXXX XXXX XXXX XXXX This is your final opportunity to process my identity theft request properly, or I WILL TAKE LEGAL ACTION IN A COURTROOM where you will BE HELD ACCOUNTABLE for the damage caused to my reputation, credit, and the emotional turmoil I've endured due to this matter. Rest assured, the negligence regarding MATERIAL facts will become GLARINGLY EVIDENT, and you will be compensating me for your recklessness. 

Ensure this matter is resolved within the XXXX timeframe stipulated by the law.

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 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/ a banker stole my replacement bank card from the mail and as of today XX/XX/XXXX the same group of bankers spammed my original complaint. I spoke with a Chase executive 7 days ago and was informed that a formal complaint was processed and that Chase would be in compliance with the documents provided by the FTC. Not only was the wrong information provided as a comment, my debit card was clearly stolen and the response was given without official letterhead. I am pressing charges for the string of incidents that have occurred. ( XXXX Harassment, Fraud, Larceny, and Criminal Mischief )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
on or about XXXX i sent a notice of dipsute to equifax and they ignored my request so i sent another letter on or about XXXX stating that they ignored my request ... after i sent 2 more letters which have all been ignored on or about XX/XX/XXXX ,XX/XX/XXXX and i will be sending another dispute as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was sold and brought illegally because i was a victim of Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I DON'T HAVE ANY PUBLIC RECORD ON MY CREDIT REPORT, PLEASE REMOVE IT ASAP, AND I'M BEGGING YOU, IT'S HITTING ME AN ANXIETY BECAUSE OF THIS MATTER, PLEASE TAKE AN ACTION.

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 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
Closed checking account on XX/XX/2023. Balance check was mailed on XX/XX/XXXX. Did not receive. 
Check has not been cashed. 
XXXX called customer service. XXXX hour call time. Was promised call back, none received XXXX called customer service. XXXX hour call time. Told to call XXXX XXXXXXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX Spoke to XXXX XXXX. 
XXXX XXXX attempted to contact XXXX XXXX XXXX, XXXX, XXXX called XXXX XXXX branch. Spoke to XXXX XXXX once, no progress made. 
XXXX, XXXX left msg with XXXX XXXX. No call back XXXX Requested telephone meeting with Truist. They never called me for our appointment. 
XXXX called XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX No further progress. 
XXXX emailed supervisor, XXXX XXXX XXXX No response

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 2023-12-06 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: OH

Complaint narrative:
My second time having to dispute this account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2023-12-06 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: OH

Complaint narrative:
My second time having to dispute this account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. XXXX XXXX XXXX XXXX XXXX XXXXXXXX filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: TX

Complaint narrative:
Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I moved to the XXXX in XXXX from another country. I applied to XXXX XXXX XXXX for security credit card and was denied. Then I called the credit department and was told that in XXXX, XXXX XXXX opened a saving accounts in USAA bank and XXXX XXXX XXXX XXXX, maybe somewhere else, I dont know. I found out today that XXXX stole my personal information and used it against me. I physically wasnt at the country at that time as I lived in XXXX. I moved to the XXXX this year. I want you to help me to investigate the case as my credit report and score depends on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2023 Transactions via XXXX in my savings accounts XXXX {$2.00} {$3.00} {$4.00} $ I call my back regarding fraud via XXXX, I report the lady that scam me. My bank coudnt help me they closed the the dispute or the claim. I give them all the information regarding what happen. And they didnt help

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 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Update : Nothing has changed other than having to pay Huge amount of interest. I found my information on the XXXX XXXX XXXX page with all of my records, since the beginning. 
My loans are under the XXXX XXXX XXXX. On page 9 of 13 bottom of the paragraph talks about loans being paid off after 10 years of repayment. The loan service company has violated my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-06 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SC

Complaint narrative:
In XXXX of XXXX, I received notice from Nelnet that my loans were paid in full. The statute of limitations in South Carolina is 6-8 years for reporting loans. This loan far exceeds that. In the last complaint file the company responded with I exceeded poverty level in XXXX of XXXX, yet I have letters from them in XXXX of XXXX that state otherwise. Also, account numbers have been changed multiple times. Company can not provide with me a copy of the contract that was signed. Company has received the funds in full, but changed the account number to try and argue that no funds were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NV

Complaint narrative:
I am writing to bring to your attention a persistent issue concerning an account that is inaccurately appearing on my credit report. The account in question is associated with XXXX. I want to emphasize that this account does not belong to me, and despite my repeated attempts to dispute the information, it continues to be reported on my credit profile. 

I have diligently followed the dispute procedures with your agency, providing detailed information to support my claim. However, despite these efforts, the inaccurate account has not been rectified. I am concerned about the impact this misinformation may have on my creditworthiness and financial standing. 

I kindly request your immediate attention to this matter. Please conduct a thorough investigation into the reported account and take the necessary steps to correct or remove it from my credit report. I am more than willing to provide any additional documentation or information required to support the resolution of this dispute. 

Thank you for your prompt assistance in rectifying this issue and ensuring the accuracy of my credit report. I look forward to a swift resolution.

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 2023-12-06 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: TX

Complaint narrative:
I reached out to the company and reported it as fraud and requested a fraud packet to start their investigation. I have not received it, I can no longer get in touch with the company to rectify the problem and they have sent mail and people to my home.

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 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/23 at approximately XXXX I attempted to withdraw {$3000.00} from a bank ATM inside Chases XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The ATM did not disburse my funds. The funds were however removed from my account. 

I spoke with several branch employees and with the claims department with no success. I've asked repeatedly for them to count the funds and review security footage to corroborate my claims and they refused. They have stated I would need a subpoena.

Company response to consumer: Closed with explanation