vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This all started when I noticed an unauthorized charge : XX/XX/XXXX there was an unauthorized charge for {$180.00}, I called it in, Old Navy made the adjustment that same day. I requested a new card for my protection. 
XX/XX/XXXX old navy transferred my balance from the previous card, {$220.00}, to the new card-I am fine with that. But I was under the impression that it only takes ONE balance transfer. The balance carried from XXXX ( Old card ) matches the XXXX balance c transfer. 
XX/XX/XXXX I make 4 returns in person in the amounts : - {$83.00} - {$19.00} - {$25.00} - {$96.00} Since I pay off my entire balances every month I expected to see a credit of those 4 returns in the amount of ( {$220.00} ) On XX/XX/XXXX I make another 2 returns in person : - {$47.00} - {$12.00} Old navy / fraud department/investigations department ( 3 different departments ) can not tell me why on XX/XX/XXXX somebody posted 3 of my 4 returns from XX/XX/XXXX as balance transfers ( charges ). These charges ate into what was suppose to be an overpayment or credit of at least {$200.00}. 
I have made 4 calls maybe 5, each call lasting about 1-2 hours. I keep getting transferred between departments, at the end of all of this, only {$19.00} was returned. The last manager I spoke to was XXXX from Old navy customer service. He said Old Navy had double credited me those 3 quantities from XX/XX/XXXX in the previous billing cycle. I explained that's impossible because I returned those items in 4 different transactions ( because they were from 4 different orders ) on XXXX, so how could they process those credits in XXXX? How did they know what I would be returning? My statements do not reflect double credits. 
The unauthorized charge from XX/XX/XXXX led to this disaster of accounting, they keep telling me the 3 transfers on XX/XX/XXXX are not charges, yet a transfer is a charge in any statement. They tell me they double credited me, but have no statement reflecting double credits. All they did was postpone my minimum due payment, and only credited me {$19.00} out of the 3 returns from XX/XX/XXXX and the 2 returns from XX/XX/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 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was involved in the XXXX  bank scam it has been on the news. I have XXXX though Wells Fargo. On Friday XX/XX/XXXX I received a phone call from the online fraud department. The phone number the person was calling from was a legitimate number from Wells Fargo. Because when I called the number back the next day I was talking to the real Wells Fargo. So they called me on the phone claiming to be the online wells Fargo fraud department saying " did I attempt to XXXX ( send money ) to someone in the amount of XXXX dollars '' I then said " NO ''. Then they said " Ok let me help you '' Lets send the money back to yourself before it gets to the other recipient. First we are going to add yourself as a recipient by using your phone number. so I did that. Then he said lets send the money back to yourself now. So that's what I did. But the money did not go back to myself it was GONE it went to somebody else that I do not even know. They went into my online banking session and hacked it.t They linked my phone number to someone elses account. Just like that the money was gone. I have been making numerous claims to wells fargo and reached the higher escalations department hours and hours on the phone and I just keep getting denied. Its just horrible I just want my money 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 explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OZK
State: AR

Complaint narrative:
On XX/XX/2022 two debit card transactions were made with XXXX XXXX XXXX that had no relation to us. The transaction descriptions are as follows : XXXX POS PURCHASE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$420.00}, and XXXX POS PURCHASE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$110.00}. Both transactions were noticed before they were completed, the bank was contacted immediately, and the account was put on hold. All other accounts were also put on hold immediately, and all debit cards were cancelled. We verified with XXXX XXXX XXXX directly and confirmed that neither of the charges were related to us. A quick XXXX search shows that this is an extremely common fraud method that has happened thousands of times to others, in exactly the same way. After investigation, the bank explained that we have no ground to stand on, and that the charges would not be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am making a complaint against XXXX XXXX XXXX XXXX because in XXXX of 2019 my account was compromised. I was aware that I had 2 lines on the account and then my phone was shut off due to lack of payment. I traveled to my local XXXX XXXX XXXX XXXX to find out why the phone had been shut off and why the monthly bill was now way higher than the normal. After speaking with a representative at my location I found that there were now 22-23 lines on my XXXX XXXX XXXX  account. I was shocked and so was the representative, solely because I had a personal account, which should have only allowed for a total of four lines. I was then advised to leave the account as it was and open a prepaid line so that I could have use of my phone until I could get to the bottom of everything. After another call to XXXX XXXX XXXX I was told that these lines were added to my account on XX/XX/2019 in XXXX. I was in XXXX, Florida at the funeral of my grandfather and could not possibly have added lines to my account that day. The only names on the account were my own and another gentleman of whom did not have authority to make any changes on my account. I, in some way, was still deemed at fault even given this information. I had no part in these lines being added to the account and have no idea how or who added them and should not be held at fault for these fraudulent acts.

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 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I was served a lawsuit by Midland credit management Inc for a debt collection amount of XXXX, XXXX dollars. I immediately hired an attorney to settle the case. Midland credit management Inc responded with a settlement offer of {$500.00} dollars with the agreement of the amount being dismissed in court and reported to the credit bureaus as paid in full. I signed the agreement and paid the {$500.00} dollars settlement on XX/XX/XXXX in which the amount was cashed by the company. On XX/XX/XXXX a updated credit report in my debt collection showed a decreased of {$500.00} dollars to my Midland management account. I Immediately contacted Midland credit management and told them about the settlement agreement along with the the inaccurate debt still showing on my credit and they advised me that there is still a balanced owed on the account and that the court agreement signed by the courts and a Midland credit management representative is not valid will not be honored. I stated to Midland management I will be following up with my attorney regarding this scam and inaccurate reporting to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests to TRANSUNION, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( LATE/CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00XXXX XXXX COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}

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 2022-02-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: FL

Complaint narrative:
RE : XXXX I called one month before the lease was expiring and explained to the person that I will be traveling and telling him the day I will be returning the car, he told me that I have some grace period. 
After several calls on XX/XX/25 I went to the dealer, and they provided me an invoice that was printed from the system, it says {$28000.00} and was valid for ten days ( please see attached ) .when I requested an explanation, I was told that it was from the system and if I wanted the details, I have to call Audi Financial directly. Same day, I called and was told that they can not provide me with that information. 

In my initial agreement the residual value was {$28000.00} and it was in my right to know why there was a difference of {$280.00}. However, neither XXXX XXXX XXXX that was the dealer nor Audi Financial provide me the information. XXXX XXXX told me that they received a statement from Audi Financial and Audi Financial told me that they can not provide that information and the dealer should tell me. My right is to know what I am charged for. 

Since this was a complete nightmare and lose a lot of time from my job, I decided to purchase the car and pay for it with a personal check, however, I was required to get a cashier 's check and it was already XXXX so, I told the salesman helping me that I will return the next day with the cashier check. I returned the next day with a cashier check for {$31000.00}. That amount includes the taxes and registration fee. However, the salesman explained to me that the amount due changed and I had to pay an additional {$21.00}. Again, when I asked for an explanation, he just said that it may be interest, however, he told me to call XXXX AgainXXXX XXXX, according to the person, was unable to tell me over the phone. So, once more and to finish the nightmare, I paid that amount, not knowing what I was paying for. 


At that point, I decided to stay quiet even though I know my rights. What was my surprise when I received a new invoice for {$700.00} charging me interest and disposal fees when I did not even return the car, I purchased it. 

After that, I have written two letters and called once, but according to them, they have not received the letters. According to the lady that answered my last call, XXXX  XXXX XXXX purchased the car and if I have an issue call them. 


I paid off the lease 3 months before and I did not receive a credit for that. Also, leased several cars with them and never had felt so aggravated with the way they conduct business. 

I want a reimbursement of the {$280.00} + XXXX that paid the next day and a complete reversal of the {$700.00} invoice Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02 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: NC

Complaint narrative:
On XX/XX/2022, I started receiving emails thanking my for joining TD bank with numerous accounts, CD account, checking and savings accounts. I had never in my life tried to open an account with TD Bank. I had never heard of this bank in my entire life. I immediately called the bank 's customer service number and was shunted to the fraud department. I was asked for my SSN which I did not give out as this seemed very fishy to me. On the XXXX I drove to the nearest branch of TD bank in the adjoining state. I provided my social security card, passport and driver 's license. I was treated harshly and was told my SSN was not involved in said accounts and I was to told to not worry about this fraud. I was told that this is a normal clerical error. 
Today, XX/XX/XXXX, checks from this account were mailed to my prior address, and I assume an ATM card is to follow. I find it very strange that my XXXX name XXXX prior address XXXX email address associated with this account could be the result of a clerical error. I again called the Fraud Department at TD BANK and was assured that there was nothing wrong with this scenario. I need help to end this nightmare of inefficiency perpetrated by TD Bank. This is obviously a case of fraud but they are not the ones to face the problems this will create. Please help me in this matter as I have no one else to turn to. 
Thank you, III

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent to TRANSUNION. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX ; XXXX Inquiry Date XX/XX/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 2022-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, Bank Of America placed a hold on my account for " fraudulent transactions ''. I cant remove the hold because I no longer have access to the phone number I registered my account with, and I was told I'd have to visit the branch I opened my account with, the problem is it temporarily closed. They refuse to let me update my personal settings regardless of me providing my personal information. They also havent sent my new debit card in the mail and it's been over 3 months. So I can't enroll in online banking neither. The hold is unneccessary, they flagged me for transfering money to my XXXX XXXX XXXX XXXX card, because that was the only way of me accessing my Funds I've been needing since they have failed to send me a new debit card. I need help updating my personal settings

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 2022-02-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While checking my credit recently, I noticed a few items that doesnt belong to me. The following accounts are fraudulent. 

XXXX XXXX  {$6400.00} XXXX {$750.00} XXXX XXXX {$600.00} Please see attached FTC report submitted by myself.

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 2022-02-02 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-02 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I made an offer on a property and the offer was accepted. The lending officer advised that I would need to pay for the appraisal. I was quoted an appraisal price of {$500.00} which was debited from my bank account on XX/XX/2022. The deal fell through and I have found funding with another mortgage company. My new mortgage company asked for the appraisal receipt from the old mortgage company. I reached out to them today for the receipt and was told I owed them an additional {$210.00} before they will release my receipt. This is the first time I have heard this. I asked them if I owed this why haven't they sent me a bill? I mentioned that I paid the requested amount and the inspection took place on XX/XX/2022. If I had not asked for the receipt of the appraisal would they have even mentioned this additional {$210.00}? I believe they used my {$500.00} towards other administrative costs which caused my appraisal fee to become short. At the time, none of this was made clear to me. I believe they are acting in bad faith and have misrepresented the entire situation. I asked RocketMortgage if they could provide proof that I was made aware of this. They sent a Deposit Statement ( which I have attached ) which I thought was another document in the process of buying the house. I did not equate this to the appraisal fee since this was the only fee discussed with me at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
NCA claims that they could not find and records of my dispute. I have complete numerous web application via NCA Disputes and Debt Validation webpage. I will attached the latest submission to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TX

Complaint narrative:
I have sent multiple letters to this credit reporting agency to remove/delete accounts and inquiries in their systems that they did not get my written, oral or verbal consent to report this is information. They are in complete violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Congress also makes it clear that the banking system is dependent upon my consumer report being fair and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). Which is not because they are reporting things that is not accurate to me at all. In fact, in 15 USC 1681 ( a ) ( 3 ) they were not given this role. They assumed this vital role and because of their assumption they have negatively affected my life and those around me causing me severe hardship, XXXX XXXX, and XXXX because of you assuming this role. Pursuant to 15 USC 1681 ( a ) ( 4 ) they are unfair in reporting this erroneous information without first consulting with me the actual consumer!!!!

This documentation was sent this credit reporting agency on XX/XX/2022 with a delivery date via certified mail & received on XX/XX/2022. 
certified mail tracking # XXXX

Company response to consumer: Closed with explanation