vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between XX/XX/2022 and XX/XX/2022 Wells Fargo Bank sent funds unauthorized on multiple occasions totaling {$6800.00} in {$170.00} increments from my business checking account to an outside company. On XX/XX/2022 I was logged into my online checking account and was startled to observe some of these funds being sent in real time to the outside company. I called the bank and placed a stop order and asked them to reverse the charges. That is when we ( the bank rep and I ) discovered that the bank had been sending funds in the middle of the night to that company on multiple other occasions. 

The bank reversed the in-process {$170.00} each transactions totaling {$2200.00} but claimed there was nothing they could do about the other transactions they had sent totaling {$4500.00} since XX/XX/2022. These were all unauthorized transfers to a vendor whom I had authorized a first of the month {$170.00} single charge ACH. Wells Fargo initiated these transactions and sent the funds. The recipient outside company is not responding. Wells Fargo claims it is my responsibility to attempt to reclaim the funds they sent without authorization. These are not " customer chargebacks. '' I never authorized these transactions. I have submitted multiple claim requests and all have been denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NJ

Complaint narrative:
So my card was used to to book a hotel room off XXXX. Someome copied down my number number. I reached out to cash app to file my XXXX dispute because the other one was still pending. Maybe a XXXX XXXX later they supplied me with XXXX as provisional credit. I then file a dispute for XXXX. I got a email from XXXX stating that I needed to contact my bank to resolve the issue. I sent a screenshot to cash app inside the app. APPERENTLY cash app support act like they don't know how to handel customer complaints. They turn around and closed my account talking about I was in violation of their terms and services and they had no other information. Now just they other day cash app sent me a email telling me the credit that was given was final and permanent. The they turn around and denied my dispute for XXXX. Which to me makes NO SENSE! Both charges were fraudulent. So how do I win XXXX dispute and lose the other. You know the crazy thing is cash app has a history of denying people disputes leaving customers without any real reasons. Now I called cash app and explained to someone in detail and they said that it makes no sense either it to return all my money amd told me to file another dispute and I did. I wanted up today and got a email saying denied??. Look keep the account closed I could careless about doing business with a deceitful company that's all about money and not customer satisfaction. But I want my money. I'm on a fixed income and don't need anyone stealing money from me especially a company like cash app. Please return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was buying something from this guy online for exactly XXXX XXXX we went through paypal. Didnt work, then cashapp, didnt work. Then XXXX, Didnt work. And then we finally landed on zelle. After he sent the money he shipped the item ( he didnt ) and just ate my money I need help ASAP. The bank denied me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My checking account is with Investors Bank, now a division of Citizens Bank as explained on their website. 

Planning to close my account, I reduced my bank account balance to {$0.00} in order to close it. Until that point I had maintained a {$1000.00} balance in the account in order to avoid a {$10.00} service fee. I attempted to reach customer service to close my account and for over a week was unable to connect with a customer service representative. When I finally reached a customer service representative, after the new month had arrived, I saw that my account had been charged the {$10.00} fee for having a low balance. It thus had a negative balance ( {$10.00} ). I was instructed to " zero '' the account ( i.e., add money to it ) in order to close it. 

The obvious difficulty here is that I will never be able to zero the account if I can not reach a service representative and am charged a service fee that brings my balance below XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681Section 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit inquiries on my Experian and XXXX Credit reports I did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX 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 2022-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: GA

Complaint narrative:
This complaint is the result of credit control LLC calling my cellphone repeatedly asking for XXXX XXXX and claiming that my number is associated with that person. I have told them countless times that I have had my phone number since 2004 and at no time has XXXX XXXX ever had my number, as I have checked the records back beyond the 19 years I have had the number. 

I requested to speak to the Owner or Management and some woman came on the phone and stated that I could just leave a message for them - and when I stated that I had done that several times previously with no return call, she just said again, you can just leave a message. 

Two previous times Credit Control LLC called my cellphone a man just simply kept calling me XXXX XXXX and rambling on about owing a debt that needs to be paid right away. 

Another call made was quite threatening after I told the man to quit calling as XXXX XXXX does not and has never owned this phone number and I was told on that occasion, they had acquired a judgment against me ( calling me XXXX once again ) and when I said I am not XXXX XXXX, the man demanded to know my name, as he knows that I am XXXX XXXX so quit waisting his time, and demanding full payment of the debt I owe. 

This company has called my phone today alone, at least five or six times, with a few being hang-up calls. 

This has now gotten into harassment and because the owner or higher-level management continuously refuses to deal with this, I am now DEMANDING to speak to the owner of the record, to settle this matter, including the damages caused today alone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Applied Data Finance, LLC
State: MO

Complaint narrative:
Loan originated with Personify Financial. This company XXXX XXXX XXXX XXXX XXXX XXXX XXXX - advised me that it was sold and they were collecting for the new account owner. Their phone number is XXXX. 

After XXXX contacted BOTH my brother and sister-in-law via phone, I immediately contacted them at XXXX XXXX on XX/XX/2022 and advised that I wanted contact to CEASE - I identified myself so they had established contact and no longer had reason to contact ANYONE ELSE. 

I advised I am on XXXX XXXX  and offered a settlement of {$1000.00}. They refused and even said " just say you refuse to pay '', trying to bait me into saying something that is untrue. 

At XXXX XXXX on XX/XX/2022 they called my mother 's phone number - XXXX - in yet ANOTHER skip-tracing effort. Ihave already established contact, advised C & D, and they STILL called a relative. 

I have enclosed a screen shot of my phone call on XXXX from MY number XXXX, that shows I spoke with them for 17 minutes trying to get something resolved. I was passed to a supposedly more experience person who was just more abusive than experienced - she was the one who kept saying " just say you refuse to pay ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: CA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 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: EQUIFAX, INC.
State: WV

Complaint narrative:
The attached document coming from your agency does NOT MATCH my personal credit file account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
Please see letter attached that my Attorney sent to you and PennyMac Loan Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I reached for classes online for my children. I was called constantly by XXXX that offering classes and discounts for longer sessions. They gave me a trial session for eah child and then I decided to go forward. I opted to choose the 3mth sessions for each child and paid {$190.00} on XX/XX/20. Then he started asking to do trial for another instrument. I said not until I start receiving the classes for which I paid. Then I received a text that was timed at XXXX, " why did I not come line online, if I was having internet issues. '' I advised no such thing. Then was advised to use a link, could not access it, got no help and after that could not reach anyone for help. XXXX then said he quit the company. Then he said there was a server issue, how would he know that if he did not work there anymore. They would send a text when I complained but nothing when I respond. Once I asked for a refund heard nothing and then reached out to Wells Fargo, who gave a temporary credit and then rebilled us. 
I did get one request to close my dispute and then they will credit me but I did not trust that they would really do so. Also how does Wells Fargo accept the response from them, it was not even XXXX months when I contacted then, so even then obviously fee would be for 2 months at least refunded. This was information on XXXX email received XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXX - XXXX || XXXX - XXXX || XXXX XXXX XXXX Headquarters : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: WA

Complaint narrative:
I received a letter from Online Information Services for a bill related to XXXX XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX nor an account with the number listed in this letter. The letter appears to be addressed to " XXXX XXXX XXXX XXXX '' but this address is a residential home, not a company. The letter states that the addressee owes {$480.00} as of XX/XX/2022 for an unnamed service. Further, I disputed the debt on the Online Information Services website but it does not provide any evidence of the complaint I provided ( for ex., it doesn't let me take a screenshot of what I had submitted to show what my submitted complaint states ). 

The debt collection letter is vague on whether it thinks my home is this " XXXX XXXX XXXX XXXX '' entity or who specifically owes this debt, a copy of an invoice for the service that is related to this debt, or when this service occurred. Logging into the Online Information Services website did not provide this information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
My name is XXXX XXXX. On XX/XX/2021, there was an unauthorized transactions for " XXXX XXXX '' in the amount of {$970.00} and " XXXX XXXX '' for {$370.00}. These are unauthorized transactions that were made fraudulently on my account. Chime Bank has denied my claim and hasn't supplied a valid reason for doing so. They also didn't include the second unauthorized transaction for " XXXX XXXX '' {$370.00} in the claim, which was denied anyway. I am entitled to a refund for these unauthorized transactions as they weren't made by me, they were made fraudulently and stolen from my account. Chime is fraudulently withholding my funds for these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: WV

Complaint narrative:
The attached documents coming from your agency does NOT MATCH my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
My information has been compromised and someone has been using my cards and purchasing things online. Last month I began to see unusual charges on my credit card so I called and disputed them charges at stores hookah bars and clubs. Almost {$600.00} on my credit card. I also seen a charge from XXXX for a total of {$540.00} which I also did not make so I contacted the bank and was issued a temporary credit which was taken back from. someone mustve have stolen all of my information and used my cards in order to make purchases. I have also filed an identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My XXXX and I both became very ill with XXXX. After recovering from XXXX I had a XXXX XXXX. My XXXX has recently been diagnosed with XXXX XXXX and is having XXXX on XX/XX/2023. When my lender offered me a forbearance plan while we recovered, we thought it was a godsend. However, my lender did not explain that they would not be helping me afterward. Now I owe a large sum that we do not have or we are at risk of foreclosure. We have been through so much and this is adding to our stress. We would like to pay our mortgage again. Please help, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi did not send any notifications when a payment is due or past due. They went straight ahead and reported it to all credit bureaus for the 30 days past due without trying to contact me about the past dues in any forms of communications. I did make a full balance payment when I was able to log into my account a few days after the due date. I tried multiple attempts to work with the company ; however they refused to work on reporting to credit bureaus when I noticed and even lowered my credit line from {$7000.00} to {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : 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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOHELA
State: MD

Complaint narrative:
YOUR COMPLAINT I closed the account because the credit card company can not validate the debt. I am the original creditor as a result, I have been contacting the merchant to provide the following documentation. certificate accounting statement they have so far went delinquent In this matter. I have sent past due invoices for them to pay my company for the following charges U.C.C. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, A PROPER BILL. {$1500.00} per page. It is my understanding that if no dispute, rebuttal or contest of this NOTICE OF UNDERSTANDING AND CONDITIONAL ACCEPTANCE AND REQUEST FOR A PROPER BILL AND LAWFUL CONTRACT AND FULL RECORD OF ACCOUNTING AND FEE SCHEDULE, Notice of Lien Notice Of Lien, Truth and lending violation, Mail Fraud and XXXX, falsifying records, deceptive and misleading representation, violation of Fair Debt Collection Practices Act. Title 15 USC .1601 ; Title 15 USC 1692 15 USC 1692 ( g ) ( 8 ) ; USC Title 18 2071 and 2073 ; USC Title 18 471, 472, 473, and/or 513 ; Title 18 USC 1341- 1842 Eads v. Marks 249 P. 2d 257 and 260 Title 28 USC 1746 ( 1 ) I am asking for the CFPB to contact them to have my account settled, discharged and close with a zero balance and my invoice paid. Thank you any question call me XXXX

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