vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Summary : I am a victim of an elaborate job posting scam that began XX/XX/2022 which led to me sending a recipient two XXXX  transfers using the XXXX service offered thru my bank Wells Fargo on XX/XX/2022, to pay for training materials and a laptop. Note the scammer had sent me a check for XXXX the day before, to cover the XXXX XXXX transfers however it turned out to be stolen. 

1st XXXX transfer was done XX/XX/2022 at XXXX EST. 
2nd XXXX transfer was done XX/XX/2022 at XXXX EST. 
At XXXX the scammer then requested I locate a " XXXX XXXX '' ATM right away to exchange XXXX cash for XXXX. I did not complete this request and I called Wells Fargo at XXXX to report the scam transaction and to have the XXXX transfers reversed. They left me with the impression I should get the funds back in about 10 days but that didn't happen. 

Notices I received days later via us post office from Wells Fargo : 1 ) Notice dated XX/XX/2022 acknowledging fraud claim XXXX submission and that they are looking into the matter. 

2 ) Notice dated XX/XX/2022 stating they determined the payments were processed as requested however as a courtesy they will continue to attempt to assist with a resolution with the receiving financial institution. 

3 ) Noticed dated XX/XX/2022 stating the two XXXX transfers have already been approved and processed and they are unable to stop or reverse the funds. Also they notified the receiving financial institution and XXXX Network about the scam and they submitted a request to have the funds returned however it is not guaranteed. They have closed the claim. 

It is a very poor business practice to process XXXX transactions without a reasonable window of time to reverse the transaction especially with the number of scams happening these days. Note these ( 2 ) transactions were to purchase a laptop and training materials and even though it was under fraudulent pretenses, I paid for something I didn't get and Wells Fargo and XXXX should provide a form of purchase protection if not like one receives with credit card purchases. 

I have a lot of support documentation to provide if needed : Initial text offering to engage in an interview with a link to access the scammer Chat history using XXXX application with the scammer Image of stolen check and the XXXX envelope used to send it to me. 
Wells Fargo notices received in the mail as described above. 
Documents provided by scammer : Job Offer Letter, Code of Business Conduct, I-9 form and W-4 Screen shots of the XXXX transactions Screen shot of the call time to Wells Fargo to report the fraud Emails between myself and scammer and more. 

Thank you kindly in advance for any help you could offer in getting my XXXX back.

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-12 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: FirstPoint Collection Resources
State: NY

Complaint narrative:
I reviewed my credit report and I see data being reported about me from Firstpoint Collection Resources. I never gave Firstpoint Collection Resources permission to receive my data nor to furnish it to consumer reporting agencies. Please remove this information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Acct # XXXX, XXXX XXXX, and XXXXcardXXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2023-01-12 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Acct # XXXX, XXXX XXXX, and XXXXcardXXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is the most dishonest company I have ever found myself mixed up in. They are continuing to violate FCRA standards by reporting a dissolved account. 
The involuntary repossession took place over XXXX ( XXXX ) years and they continue to renew.

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 2023-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
As indicated by the attached copies of letters and mailing receipts, I have disputed the following alleged debt to no avail. I have request Ford Motor to provide validation of debt, proof that I have a legal obligation to pay this debt, proof of their right to collect this alleged debt, contractual evidence bearing my signature obligating me to pay their company, explain and show me how they calculated what they say I owe, provide copies of any papers that show I agreed to pay what they say I owe, and prove the Statute of Limitation has not expired on this account. To date Ford MotoXXXX have not done their duty as mandated by law. As of this moment, there is no question that they willfully violated my rights. Their non-compliance with federal law is unacceptable, your disregard for it contemptible. Please note that I can seek remedy due to FCRA and FCDP violations if a negative entry is placed on my credit report with XXXX, XXXX and XXXX from a debt I do not owe. Furthermore, I have a legal right to sue to seek redress in civil action, for recover of damages, cost, and attorney fees should they continue to deliberate obstruction of the law. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
suggesting to damage my credit by reporting to the creditors without allotting the 6 month window to dispute the transaction and then reporting to the creditors when medical debt under {$500.00} per Consumer Financial Protection Bureau should not be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX I was never late with this company, the credit bureau ( Transunion ) are ignoring my disputes. 

Date updated shows XX/XX/2019. Which indicates there was not an investigation. 


I have sent disputes XXXX consecutive months now. Still nothing. 

Failing to Follow Debt Dispute Procedures is a violation of this FCRA. 

I have attached my last dispute with Transunion in regard to this account alongside the certified mail recipient.

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 2023-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Ive received a property tax exemption for my home mortgage due to being a XXXX  % XXXX XXXX, after submitting my updated information multiple times to PHH mortgage, XXXX XXXX XXXX XXXX XXXX nj, multiple phone calls which get disconnected or transferred out to call centers as well as the operators hanging up, lacking proper information about my account, and unable to assist me, as well as a reimbursement check from The previous end of year quarter never received. 
This company has over 430 one star negative reviews, and yet continue to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
Hi, I've tried to fix this false reporting with XXXX last month and they didn't update the late payment/debt collection I had. I need this late payment that is being reporting on XX/XX/2022 to be update I was never late. I have attached the letter I sent them, and they have no proof of this error they are reporting. This has dramatically affected my life and has me getting denied for cars and apartments. Which has me homeless and car less. I need this fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX XXXX XXXX I tried to buy stocks through my Chase XXXX XXXX account. I could not. A customer representative said I would get a letter from Chase as to the reason why I could no longer buy stocks through the platform. 

A few days later I got a letter by Chase informing my personal checking account ending in XXXX  would be closed due to unexpected activity. I had less than a month to move my money elsewhere with no explanation. I was given until XXXX XXXX XXXX  to move my money out before my account would be closed. In addition, all of my Chase credit cards and debit cards were going to be closed. Furthermore, my safety box at the XXXX XXXX branch was going to be closed out as well. 

No one could not give me an answer as to why my account was closed. I was told that I was permanently barred from opening a Chase account. I talked with XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. XXXX would not disclose his last name but he stated he was a supervisor with client services and part of escalation department. 

In a letter dated XX/XX/2022, my business ending in XXXX was going to be closed on XX/XX/2022 due to my association with a Chase credit card, deposit or investment account that was previously closed. Furthermore, my debit and credit card associated with the bank account ending in XXXX was closed on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to be removed : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XX/XX/20 I was given a XXXX XXXX Notice to Vacate my apartment by my landlord. Complying with this request I was not allowed a final walk through of my apartment. The management of the XXXX at XXXX XXXX located in XXXX Florida, made a decision to falsify a final bill of {$1700.00}. This bill charge me for water for 15 days at a crazy amount of {$170.00}, however my normal bill for water, sewer, and trash was {$45.00} per month, apartment damages {$330.00} and insurance {$50.00} NSF fee {$50.00} just to give you an example of their erroneous charges. This is in retaliation for filing a complaint with the XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX  came back with finding in my favor of Racial Discrimination. Which discredited some of these charges. In an act of further retaliation they have had a collection agency place this derogatory information on my credit and screening report so that I can not rent another apartment, I hired a credit repair group, who had this item removed from my credit report only to have it immediately put back on my credit report. Due to these behaviors H.U.D. has started a new case on my behalf for further harassment. I will go into detail further once I am contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received two letters stating that there was an account with insufficient funds and was under my name this account is not mine. I call TD bank fraud department they will send me a letter via mail with their results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 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: AL

Complaint narrative:
these items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Our prior management never transferred control or signature authority of CapitalOne XXXX XXXX Account # XXXX to any of the current management. We have no way to regain control of the account and our funds have been effectively stolen. 

I am the Controller, CFO, Secretary and XXXX for XXXX XXXX XXXX XXXX XXXX. I am empowered by our Board of Directors to gain administrative access to all of our financial accounts and records. 

I have access to the prior Controller/CFO 's email address which sends me notice that a statement is available for our corporation 's bank account. However, I have no way to gain access to the account or statements. 

I have called customer service and was escalated to a supervisor who said that they had no process to transfer control of the account without the participation of the retired signees on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: OH

Complaint narrative:
I am a natural person, I am a living human being. I have the rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 


CREDIT CARDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My mortgage was purchased by XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) and they notified the credit reporting agencies that I was XXXX XXXX late on a payment. My XXXX  account is set to automatically make the payment on the XXXX of the XXXX and processed normally. My payment amount increased, and I was not notified so rather than processing the partial payment they held it. When my next payment arrived XXXX XXXX later, they applied it to the principal but kept holding the XXXX payment and reported it as XXXX XXXX past due. They finally contacted me, and I made the payment and adjusted my autopay. XXXX XXXX ( Company ) indicated that they applied the XXXX payment to the principal because it was in the same XXXX  My payment history clearly shows this is not their standard procedure because if the XXXX falls on a weekend or holiday the payment is processed the day before and this happens frequently. I believe they should have released the payment being held ( without notification ) and I would not have been XXXX XXXX late. When I contacted them, they reversed the incorrectly applied principal payment and the one being held after I made the additional payment to cover the difference in the new amount. I contested the negative entry as my credit score dropped over XXXX points. I reviewed the comments on XXXX XXXX XXXX XXXX page, and they appear to consistently have poor business practices.

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 2023-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I XXXX Capital one Bank is a good Bank but I have not Authorized them to pull my credit. I have sent XXXX, XXXX, and XXXX XXXX different disputes notifying them of Impermissible.Purpose. 

Yet, have the inquires.been removed nor have i been given an details or explanation. 

I've never had a Capital One account nor have I applied for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: LA

Complaint narrative:
I woke up this morning and checked my Cashapp account to be met with a message from the company. The message stated I violated their terms of service with no explanation as to how and my account is now closed. Upon calling the company, I was once again told my account had been permanently closed but once again would not provide an explanation. 

I am very confused as to how this could happen because I have never had a bank account closed on me. Secondly, I have never used my account outside the scope of services provided by the app and bank. The last time I used my account was on XX/XX/10 at around XXXX at my local convenient store. A store I have visited numerous times in the past using my Cashapp debit card. 

If they are going to close peoples accounts, then an explanation should not only be provided but also appealed. To close my account without notice, an account I rely on to help my family is unacceptable.

Company response to consumer: Closed with explanation