vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear XXXX, I am writing to file a formal complaint against XXXX and Wells Fargo regarding their handling of an international wire transfer I initiated on XX/XX/2023. I wired funds to XXXX XXXX XXXX 's account with XXXX XXXX, XXXX XXXX in XXXX, for the purchase of an apartment in XXXX at XXXX XXXX XXXX. However, to this day ( XX/XX/2023 ), the money has not been received by XXXX XXXX, and XXXX XXXX  has confirmed they have not received the funds. 

Despite my efforts to resolve the issue, including requesting the money to be recalled and returned to me, Wells Fargo informed me that XXXX in XXXX XXXX, the intermediary bank, was holding the money and conducting an investigation. However, the nature of that investigation remains unknown to me. I filed a formal complaint through your office ( Complaint ID XXXX ) against Wells Fargo XXXX XX/XX/2023. Wells Fargo responded to my concerns on XX/XX/2023, stating they had reached out to XXXX four times with no response, the case remains open. On XX/XX/2023, Wells Fargo informed me they had made three attempts to confirm credit, but there was no response from the beneficiary bank, XXXX XXXX, XXXX XXXX As a result, the letter stated that Wells Fargo would close the file, and no further action would be taken, which is unacceptable. 

I called the Wells Fargo XXXX XXXX on XX/XX/2023, and requested them to reopen the case. However, they advised me to contact XXXX directly since XXXX was ignoring the interbank Swift messages sent by Wells Fargo. I am not a XXXX client, and I believe it is not my responsibility to resolve this issue. This is a matter that should be resolved by the two banks, XXXX and Wells Fargo and not left to an individual to directly resolve by following up with a bank of which they are not a client. 

Due to this long delay, I am unsure if I will be able to purchase my apartment as agreed upon with the seller. This has caused me considerable emotional distress. Wells Fargo and XXXX have yet to provide a clear explanation as to why my hard-earned money is still being held and not returned to me. I suspect that the banks are ignoring me and not taking my complaints seriously, possibly because I am a minority. 

The mismanagement of this wire transaction demonstrates a profound sense of arrogance and disregard for professional courteousness. Therefore, I am seeking a full refund of the wired amount ( {$33000.00} ), as well as compensation for any additional expenses incurred as a result of Wells Fargo and XXXX 's negligence. 
I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter in a timely and satisfactory manner. Thank you for your attention to this matter. 

Sincerely, 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 2023-05-02 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: OH

Complaint narrative:
I am writing to file a complaint against TransUnion, one of the three major credit reporting agencies, for inaccurately reporting the account status of my XXXX  XXXX account ( Account Number : XXXX ) on my credit report. 

Despite my efforts to rectify the situation with TransUnion, they have failed to update my account status and payment information. Specifically, TransUnion is reporting the account as " derogatory '' and has not updated the payment status to " paid account, '' which is incorrect. I have already provided the necessary documentation to TransUnion that supports my claim, yet the inaccurate information remains on my credit report, causing negative effects on my credit score.

As required by the Fair Credit Reporting Act ( FCRA ), I have attempted to resolve this issue directly with TransUnion by submitting a formal dispute letter. However, TransUnion has not adequately addressed my concerns and has not taken the necessary steps to correct the inaccuracies on my credit report. 

Given these circumstances, I am requesting the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that TransUnion corrects the inaccuracies on my credit report. I kindly ask that you review the documentation provided and take appropriate action to protect my rights as a consumer. 

Please find enclosed copies of my dispute letter to TransUnion and any relevant supporting documentation. I am available to provide any additional information or documentation as needed. 

I appreciate your prompt attention to this matter and trust that your intervention will result in a timely and satisfactory resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
I went into the XXXX First Republic Branch last Friday to review my accounts and to ensure everything was secure. It was recommended I do a partial withdrawal from one of my CD accounts. 

1. Cashier 's Check amount should have been {$120000.00}. When I got home and looked at it, it was for {$120000.00}. I spent the last several days trying to get someone to help me with absolutely no luck. {$120000.00} was debited from my account AND a penalty was taken out in addition to this. 

2. Penalty Amount - I was previously informed that the early penalty withdrawal amount would not go into the principal amount however in this case, this is not what happened. CD was opened XX/XX/22 and all interest was taken away in addition to a penalty being charged. I believe this happened in error. 

3. I was informed it would be best to do a partial CD withdrawal and that if operations were to resume the following week, I could bring the Cashier 's Check back into the branch to deposit back into the CD however I was informed otherwise yesterday which is surprising considering it's " business as usual '' at the branches. 

Thanks and again I am in desperate need of your help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scratch Financial, Inc.
State: UT

Complaint narrative:
Well I got a email from scratch pay saying that it was paid and then something comes in the mail from you because they say that I owe scratch pay Money but I am not any of this I don't understand why they did this and I don't owe scratch pay anything because I didn't do this so can you please stop sending me stuff in the mail you don't have the right address in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, there was ACH fraud in my Coinbase.com account. The attacked did not steal any crypto, but used ACH banking to connect my Coinbase account to two fraudulent accounts XXXX XXXX XXXX XXXX Bank and XXXX XXXX XXXX ( prepaid card through XXXX  ). 

The attacker used ACH transfer to transfer XXXX dollars to XXXX XXXX XXXX  and XXXX dollars to XXXX. I found the same day and I contacted Coinbase. Also I contacted the FBI and filed and FTC report through identitytheft.gov. FBI is working on a subpoena but this will take some time. 

Coinbase was not able to give me any details about those two accounts. Instead they froze the accounts and locked me out. I contacted the two banks and they tried to locate the accounts. It took more than a week for Coinbase to restore access to my account. I found the last 4 digits of those accounts and contacted those banks. Both asked Coinbase to send a letter of indemnification, which they refused. 

I reached out to Coinbase again and here is their response : " XXXX XXXX, Thank you for your response. 

We understand that you need a letter of indemnification for XXXX XXXX XXXX. 

Please immediately report the unauthorized transactions to all applicable law enforcement agencies in your jurisdiction. For Law Enforcement Officers only : Information requests for criminal matters should be directed to : XXXX Coinbase is willing to offer full cooperation with all law enforcement investigations relating to unauthorized activity on your account. Please note that unauthorized transactions are irreversible. 

We also appreciate your feedback regarding the notification. Please know that improving our security is a top priority. 

Online hackers and scammers may utilize malware to steal your login credentials, or remotely take over your device or browser session. If you havent already done so, be sure to scan all of your devices with a reputable anti-virus and anti-malware software, ensure your devices and browsers are up-to-date with the most recent versions and security updates, and uninstall any questionable software or browser extensions, especially any tools that allow remote access to your device. 

Keep in mind that the account holder is responsible for the security of their devices and credentials used to access their email and Coinbase account, and as such, are responsible for any activity that occurs when those devices or credentials are compromised. 

If you have any other questions, please let us know. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-05-02 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 

WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: CT

Complaint narrative:
I believe that the information related to this account is inaccurate and I am requesting an investigation pursuant to FCRA sections 607, 611, and 616. I request that you provide sufficient documentation to verify the accuracy of this account, including a copy of the original contract with my signature, billing statements, or other documentation. Pursuant to FCRA section 611 ( a ) ( 1 ) ( A ), I also request that you forward a copy of the dispute and supporting documents to the credit reporting agency that is reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Someone is trying to make purchases on my debit card and credit card

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 2023-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This in regard to an existing complaint XXXX. This was closed but it was not satisfactorily solved. Wells Fargo septa communication indicating they need more information, but they did not identify the information required. Until I know what they need, I will not contact them. 

I need your help to resolve my complaint. 

Best regards 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 2023-05-02 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: FL

Complaint narrative:
Im honesty stumped. When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Inaccurate Names 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im honesty stumped. When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Inaccurate Names 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 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 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nathan & Nathan, P.C.
State: TN

Complaint narrative:
I left 3 messages for a call back regarding this issue. The company, Nathan & Nathan Attorneys, would not return my calls. I didn't have an email address so I sent a Certified Letter requesting the company contact me or delete the item on my credit report. 
They did neither. 
I have attached a copy of my request letter and the proof of Certified mail being sent on my part and received on their part. 
This information is resulting in a denial for a mortgage to purchase a home. I don't know that the claim is correct. The creditor is XXXX XXXX and I have loans with XXXX XXXX  opened much later than the 2006 date Nathan & Nathan claim this debt dates to. 
I look forward to your reply. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I received a letter from the company confirming if I had changed the address on my credit card. I did not. Someone was apparently using my card. I contacted the bank and they informed me that I had to go to the bench to be verified in person. I learned that the perpetrator called in to their customer service and convinced them that she was me and chandlers the address, e-mail and phone number. Also changed online log in information and proceeded to use my card, which was a XXXX balance for months before this. This all happened in no of XXXX, early XXXX. I went to the branch XX/XX/XXXX and with the help of the branch personal, filed a claim over the phone with the fraud department. Prior to that the bridge person had been in contact with the credit card department Customer Service via chat, and had given them my information so that they could correct it, including phone number address and email. I was told it could take up to two billing cycles to fix. I was also told that they couldnt remove it from my credit report. I waited patiently through two billing cycles, and then had to make another appointment to find out what was going on. Apparently nothing was going on and the information wasnt saved in the system so the account still showed the perpetrators information instead. All I could get was a claim number that would show that I was getting my phone call escalated to a member of management and I would get a call within five business days. This appointment happened Friday, XX/XX/XXXX. I had to make another appointment to find out why I didnt get a phone call and I went in today, XX/XX/XXXX. The branch person got the credit card fraud department on the phone and they told me that the original claim was declined but because the address didnt get change I didnt get the ladder so I had been waiting for nothing the claim number I received play just a number that told me I was getting a phone call from a member of management and they did not start a new claim on me yet, so I have no idea why this wasnt processed in the Beginning. I had gone into the bridge timely in the very beginning when charges were still pending and now this Kriminal has gotten over {$5000.00} of money and merchandise. I have been getting collection calls and my credit report has been affected. I want this resolved immediately and I want my credit restored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 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: TX

Complaint narrative:
iN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 

XXXX : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX FRADULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years. 1 5 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 have reasonable cause to believe that the information is inaccurate.

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