vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I opened a savings account with Discover Bank on XX/XX/2022. I made a deposit of {$300.00} into the savings account on XX/XX/2022. I made another deposit of {$400.00} into that same account on XX/XX/2022. This brought my total balance in the account to {$700.00}. 

However, on XX/XX/2022, I was notified that my savings account was suspended due to " unusual activity '' by Discover, and the account was closed soon after. Because of this account closure, I was unable to view messages from the bank in my account, or other information about the account such as the account number or account statements. 

I made repeated calls to the bank regarding this, and was only ever told by customer service XXXX and supervisors that Discover has the right to close accounts without warning for " business purposes ''. 

Upon request that my {$700.00} be returned, I was first told that the funds would be sent to me within 30 days. After this time frame passed, I was then told the money would be dispersed within 90 days. It has now been over 190 days since the account was closed and I have still not received my money. 

Despite repeated attempts to resolve the issue, Discover now maintains that there was no money in the account at the time of closure and that I should contact the XXXX XXXX XXXX  ) that transferred the money into the account. I have called XXXX  to confirm the money sent was in fact cleared, which is also verified by emails XXXX  sent to me and in my statements that I am attaching as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: LA

Complaint narrative:
On XX/XX/2023 an hard inquiry appeared on my credit report from XXXX XXXX. I did not give consent for this inquiry. I submitted a dispute through XXXX but was told they can not remove a hard inquiry. There is no contact information for the company listed, when conducting an internet search. This may be fraud or done in error. But Id like to prevent any further fradulent activities or lines of credit that I have not given consent for being established.

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 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted cfpb before on this matter with chime bank and they agreed to write it off and closed account but now I see that they have placed it back on my credit reports and not let them know that you can not report write off and in credit reports cause its considered income and according to regulations can not be reported. So why is it they resolved the issue by writing it off then go back to change it to still reporting is crazy and I want it completely removed from all credit reporting agencies

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 2023-01-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted cfpb before on this matter with chime bank and they agreed to write it off and closed account but now I see that they have placed it back on my credit reports and not let them know that you can not report write off and in credit reports cause its considered income and according to regulations can not be reported. So why is it they resolved the issue by writing it off then go back to change it to still reporting is crazy and I want it completely removed from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted cfpb before on this matter with chime bank and they agreed to write it off and closed account but now I see that they have placed it back on my credit reports and not let them know that you can not report write off and in credit reports cause its considered income and according to regulations can not be reported. So why is it they resolved the issue by writing it off then go back to change it to still reporting is crazy and I want it completely removed from all credit reporting agencies

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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: TX

Complaint narrative:
On XXXX last year I received my bonus ( {$1800.00} ) and deposited via mobile bank using the Comerica XXXX ( XX/XX/XXXX ). The deposit failed due to a glitch and decided to use the auto bank in the nearby Comerica office ( XX/XX/XXXX ). Looked in the bank statement from XX/XX/XXXX to XX/XX/XXXX, and certainly the deposit from the mobile app showed on XX/XX/XXXX. Nothing on XX/XX/XXXX. Waisted a month to receive the bank statement from XX/XX/XXXX to XX/XX/XXXX, no duplicated depot is shown. 

On XX/XX/XXXX, a withdraw shows on my mobile of {$1800.00} with the following description : XXXX XXXX Ref # XXXX XXXX XXXX. Called the bank a couple of times and they said that it was an adjustment. 

On XXXX XXXX, I received the letter stating that it was an allegedly duplicated deposit. Be aware that is AFTER XXXX called them to dispute the transaction. 

Furthermore, On XX/XX/XXXX, {$560.00} showed on my bank with the description : XXXX - miscellaneous. Afterwards, a letter came explaining that Comerica Bank was overcharging for Comerica Web Bill Pay fees from XX/XX/XXXX to XX/XX/XXXX. No explanation on what has been charged and furthermore nothing on the bank statements for XXXX  years. 

On the other hand, Comerica Bank charges {$34.00} per overdraft transaction. Without a grace period. I have communicated this to the bank on several occasions, but no answer was given. 

After almost XXXX years with the same account, I have decided to make a complaint since I certainly believe that Comerica has shown no transparency in their transactions with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: SC

Complaint narrative:
Wells fargo has repeatedly denied claims of fraud for a total of XXXX dollars even though we have established that the transfer of some of the funds was fraudulent after repeated times reaching out to the XXXX office we still can get no where the money was withdrawn from a wells fargo atm in XXXX  over XXXX hrs away while i had just gotten home from work with the card still in our house i am tired of being called a liar and that we couldn't have had the card here and the card was used on XX/XX/XXXX at XXXX am when i had gotten home at XXXX am when XXXX days prior the card was supposed to have been canceled on XX/XX/XXXX Due to people trying to use it in XXXX XXXX  once again

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 monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
This compliant relates to the recent Wells Fargo lawsuit affecting mortgage holders during the period XXXXXXXX XXXX  XXXX ( mortgage loan number XXXX ). I just became aware of this suit as of XXXX. 
I'm not sure if there is any compensatory element involved in my case but wanted to at least explore that possibility. 
I have not been contacted by Wells Fargo, or received any compensation, as of XXXX. 

Thank you, 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 2023-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2022 my phone was stolen. I immediately called the police and filed a police report with the XXXX XXXX Police Department. The people who stole my phone gained access to all of the information on it and used my Cash App to empty my bank account and send unauthorized payments to themselves. They made XXXX transactions, a total of {$1500.00}, all going to the same account : $ XXXX. The first payment they sent was {$10.00}, the second was {$1.00}, the third was {$450.00}, the fourth was {$670.00}, and the fifth was {$420.00}. I went to my bank the next day, XX/XX/2022, as I was out of town when the theft occurred and closed my accounts and disputed the charges to Cash App with my bank. I called Cash App on XX/XX/2022 to dispute the charges with them and provided them with the police case report number and images of the card the police gave me with the number on it. After roughly XXXX hours they responded saying they determined the payments to have been authorized by me. After my bank determined that these charges were fraud and not made by me they credited me back the stolen funds. After this my Cash App balance went to - {$1500.00} and I have since opened multiple cases but they send same message after XXXX hours saying they determined that I authorized the payments. I did not authorize these payments and my phone was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I co-signed on a loan with XXXX XXXX for my ex-husband, he got into an accident with that car loan and the car was fully covered by insurance company so it should have paid off the loan. My husband and I separated and I found out years later that the loan company only paid everything but one payment. Since they were unable to locate my husband they charged off the account, then they located me years later and has been reporting as open and late payments years later. I agreed to pay off loan with them marking account paid as agreed on my credit. I sent certified letter for this and spoke with someone on XX/XX/2023 and XX/XX/2023 when I made final payment agreeing that they received the letter and would mark account as paid as agreed. There are also several inaccuries being reported on my credit with this car company and this has been reported to all 3 major credit bureaus. This is still listing with an open balance of {$390.00} to spite it being paid on the XX/XX/2023 and all late payments are still reflecting. Every time I contact XXXX XXXX they state they will remove them and they are still not removed.

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 2023-01-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I co-signed on a loan with XXXX XXXX for my ex-husband, he got into an accident with that car loan and the car was fully covered by insurance company so it should have paid off the loan. My husband and I separated and I found out years later that the loan company only paid everything but one payment. Since they were unable to locate my husband they charged off the account, then they located me years later and has been reporting as open and late payments years later. I agreed to pay off loan with them marking account paid as agreed on my credit. I sent certified letter for this and spoke with someone on XX/XX/2023 and XX/XX/2023 when I made final payment agreeing that they received the letter and would mark account as paid as agreed. There are also several inaccuries being reported on my credit with this car company and this has been reported to all 3 major credit bureaus. This is still listing with an open balance of {$390.00} to spite it being paid on the XX/XX/2023 and all late payments are still reflecting. Every time I contact XXXX XXXX they state they will remove them and they are still not removed.

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 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Harmon Law Offices, P.C.
State: MA

Complaint narrative:
I was just approached by a person claiming to be the new owner of my home and days ago I received an Unsigned letter from XXXX XXXX Offices letter stating that XXXX XXXX is the new owner and is recorded in the Reg of Deeds XXXX XXXX, XXXX  as such on XXXX. This man just moments ago, came to my door and told me that it is his business and that I will be served next week. This claiming of my home of XXXX yrs being XXXX yrs old and XXXX is seriously making me ill especially with my XXXX XXXX. I am also asking the CFPB please forward this complaint in its entirety to the FBI, IRS, XXXX for possible racketeering whereas XXXX XXXX is also involved with this XXXX XXXX and the XXXX XXXX XXXX and etc.. I am concerned for my physical safety and my home being compromised by these criminals. Please frwd this complaint as I have requested to the parties mentioned above before my life and home is in danger. I need this matter to be investigated for many possible crimes possibly violating XXXX act of 2001?? Please see received letter from XXXX XXXX, XXXX  and business card for supposed new owner. There is a reason that this is changing hands days apart please investigate and forward this as I have requested to those agencies for investigations. I feel my life and home is in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) reported a collection on all XXXX credit bureaus incorrectly for {$240.00} in XXXXXXXX XXXX XXXX for myself and my spouse/co-borrower. I was never contacted by XXXX XXXX, but I did call them several times and offered to pay for the damaged carpet. They told me I would receive an invoice, which never came. 

However, since I am in the process of applying for a home mortgage with XXXX, I paid the debt in full since they agreed to send me a paid in full letter and would contact each reporting bureau and request the item to be removed. As of today, they have not contacted any agency. I have contacted all XXXX, uploaded disputes, Paid in Full Letter, DL and utility bill. XXXX removed the collection within XXXX hours. XXXX and Equifax have not. 
I have worked hard on my credit and this is the only collection noted in years. I wanted to fight the remarks, but my loan XXXX said to just pay it. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I read about a lawsuit in which Wells Fargo was to pay consumers for wrongfully applying payments and fees etc to auto loan borrowers. I was a customer of Wells Fargo with an auto loan during this time period. I was never contacted by Wells Fargo but if they are-were partaking in such practices I dont understand how my loan wasnt affected if so many others were. I would like my loan to be looked into as well and if they acted unlawfully would like to be compensated as well. Again, if this is what they were doing during that time, I dont see how they werent doing it to my account as well

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
I have some inquiries from unknown companies that show up on my credit report. Please remove these asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want you to update this account as I am never late in this account.

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 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was informed by letter that I had a XXXX XXXX period to respond to a final notice of debt collection before legal action was taken. Before that XXXX XXXX  period was over, my case was remanded to a legal team. In response, I reached out to the company, in an attempt to verify my debt. They declined to do so and reported my account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've tried multiple times to contact Experian to delete multiple names/variations from my account, and either they have denied or made false promises. The first attempt was over the phone, and I was denied. The second attempt was through letter ( which included my Identification card and bank statement ). They denied my request and said it was someone speaking on my behalf. The third time I called them to confirm it was me wishing to change my personal information, and they agreed to remove it. They showed me they removed it, but did not. 
I believe they also have multiple names on my record that I'm not able to see.I received a credit report to someone of a different name/possible strange spelling to my residence. 

I have tried multiple times to remove this information in a kind manner, but the information is now damaging. I also has a debt collector coming after me under XXXX of the false names ( XXXX XXXX XXXX ''. When they removed XXXX name, the debt collector changed the name to " XXXX XXXX '' and sent it to my residence. 

Please, help me get these names off my credit report. I only go by the name 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 2023-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: PA

Complaint narrative:
I applied to my Mortgage XXXX, New Day USA, to refinance my Mortgage, pay off some debts, with a cash-out of approximately, {$24000.00} to add a basement toilet and repair some plumbing. This personalized financial plan proposed by New Day USA, would have reduced my monthly Mortgage by {$540.00} and yearly by, {$6400.00}. I agreed and signed all the disclosures to move forward. The last step was the XXXX of our home at XXXX XXXX XXXX XXXX XXXX XXXX Pa. 
The XXXX was, XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX Fed. I.D . # : XXXX I recognized XXXX as the same XXXX that appraised the home when we purchased the home. XXXX XXXX was rude, unprofessional with no politeness. 
He took photos. I asked him to photograph the large amount of property attached to our home. He replied sarcastically, " do you want to be in the photo also? '' He swiftly ignored the amazing work we had done, removing and refinishing the floors, which were stapled with carpet XXXX XXXX XXXX. Without addressing this description further, I am sending you a copy of XXXX XXXX 's, " so-called '' XXXX. The XXXX is Sloppy, XXXX & White Photo copies, fuzzy and unrecognizable as the home I live in. A professional XXXX company can not seem to afford to give XXXX, clear photographic description of my home, which is used to base an important decision on the financial future of a 100 % Service Connected Veteran and family. This XXXX is " ludicrous '' and insulting. After being denied a Cash Out by New Day USA, which they based the denial on the XXXX 's " old school '' XXXX appraisal antics, I asked my Mortgage company for a different XXXX. I was declined and told to wait another 6 months. While New Day Mortgage determined that I didn't have sufficient " Equity '' to approval the proposal which they had given me, New Day never considered that I am a 100 % Serviced Connected XXXX Veteran and I pay XXXX Taxes on my property. That fact should should bear more positively on such an important financial decision, than this disgusting, sloppy, XXXX and White non-professional, old school XXXX XXXX. I am prepared to send you XXXX photos of my home and property and you determine yourself how deceptive this so-called XXXX is and possibly fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation