vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A friend who lives at a previous address of mine received a statement from Bank of America for an account I did not open. He sent it to me and I contacted Bank of America to close the account. It had no activity but it had maintenance fees. 

Bank of America told me the account was opened in XXXX of 2021 but has refused to provide any additional information. Bank of America has canceled the maintenance fees. 

I would like to know what mailing address ( es ) email address ( es ) and other contact info was associated with the account and how/where it was opened in order to help protect myself from future fraud. This is especially important if any of the information belongs to someone I know. 

I believe Bank of America is refusing to share this information because they opened the account to charge me fees. 

I have twice requested confirmation that the account has been closed and fees waived and all I have received is a generic email about protecting yourself from fraud. 

After a second call with customer service they told me my request has been received and I would get a response after XXXX business days. 

I receive frequent correspondence from Bank of America regarding an employee credit card and a business checking account I am on. I have never received any correspondence regarding this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 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: CT

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX is reporting fraudulent accounts on my credit file I have never entered into a credit transaction with either person l. Therefore reporting these accounts as a tradeline is a violation of 15 USC 1692e the information furnished to my credit file is misleading it appears that I entered into a credit transaction with XXXX XXXX XXXX and XXXX XXXX XXXX. Also reporting these fraudulent tradelines to my credit file with extortionate intentions to blackmail, abuse, and harm me is a violation of 18 USC 894 lastly the Equifax, XXXX, XXXX is conspiring with XXXX XXXX XXXX and XXXX XXXX XXXX. See attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I reported a scam to XXXX for a {$230.00} transaction. Within minutes of the transaction, I attempted to cancel it but XXXX wouldn't allow me. I attempted to request a refund the next day, but that didn't work either. When reporting the XXXX user as a scam, it automatically blocks the account so I can't see if it's still active on XXXX. I tried contacting customer support, but they only had a chat bot. I asked the chat bot for a phone number numerous times and was never provided with a number for a live agent. 
I then disputed the transaction where the money transmission came from - my Wells Fargo checking account. I sent Wells Fargo all of the chat transcripts, logs, and receipts, but never received confirmation that they received the information or reviewed it. Several days later, I called Wells Fargo claim support and asked numerous times if they received the email where I sent every detail about the dispute. I was told it doesn't matter because they won't honor XXXX transaction disputes. I asked to speak to a manager, but was transferred to an escalation call center where the agent repeatedly only said, " we won't honor this dispute. '' I spent a ton of time and effort doing my due diligence to have to follow up myself and simply be told no one will help me. 
I was dismissed by XXXX and I was dismissed by my bank ( Wells Fargo ) despite having FDIC insurance that is supposed to protect me from scams and fraud like this. If Wells Fargo won't even submit a chargeback for blatant scams such as this, they are encouraging the proliferation of scam artists on these apps because there's no repercussions.

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 2023-01-03 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: TX

Complaint narrative:
I have several hard inquiries that were not me Id like to get rid of by the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Agencies report info does not reflect credit denials in recent inquires. XXXX credit rating XXXX. But have been denied any credit time and again. Info exchanged with me is not reflected with info to creditors. XXXX wanted {$310.00} to clear it all up. I refused because I believe it to unethical even in XXXX, XXXX, XXXX and texas. ( unregulated states where all these Agencies come from. Is there no agency north of XXXX in this country ). This shakedown and retaliation would be illegal anywhere else. They have XXXX whitewashed me. Please could use any help. My mortgage lender says I have no history showing there at all. Even though I just paid off loan with them 3 years ago. This I believe is happening because of independent contractors shaking down customers. Don't know if XXXX works. Phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Agencies report info does not reflect credit denials in recent inquires. XXXX credit rating XXXX. But have been denied any credit time and again. Info exchanged with me is not reflected with info to creditors. XXXX wanted {$310.00} to clear it all up. I refused because I believe it to unethical even in XXXX, XXXX, XXXX and texas. ( unregulated states where all these Agencies come from. Is there no agency north of XXXX in this country ). This shakedown and retaliation would be illegal anywhere else. They have XXXX whitewashed me. Please could use any help. My mortgage lender says I have no history showing there at all. Even though I just paid off loan with them 3 years ago. This I believe is happening because of independent contractors shaking down customers. Don't know if XXXX works. Phone XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Friday, XX/XX/XXXX between XXXX and XXXX XXXX I went to the bank and withdrew {$3000.00} from my XXXX XXXX business account to pay myself at Truist my personal account which is right across XXXX XXXX. While at the atm location XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX # XXXX I was trying to deposit my {$3000.00} into the machine however, the machine accepted the bills until the screen read ERROR and it prompted to dispense the bills back to me because the transaction was not complete. The machine then behaved as if it would return the bills it did NOT. I left my card in the machine and put my car in park while I entered the inside of the bank. I told the banker inside my money was never dispensed back to me so I could complete my transaction after the screen read ERROR. The banker followed me outside to the atm where my car was still parked in front on the machine. He observed the machine was not following any prompts and told me there was nothing he could do since the manger was not on duty that day. He gave me the number to call Truist customer service and file a complaint. I spoke with a representative while I still sat in front on the machine in my car. After explaining the issue that occurred the representative told me a provisional credit would be applied to my account. The representative filed my claim and told me they would investigate the claim number XXXX. I waited to hear from someone from Truist regarding my claim until I called XX/XX/XXXX at XXXX. I was told my claim was denied however, I did not received anything in writing. I was then directed to speak with the supervisor of centralized fraud department XXXX she again stated my claim was denied and they can not reopen the case. She said she would file another complaint with the department on my behalf and request a analyst call me about their findings during their investigation. Complaint number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lewis, McDonnell & Associates
State: IL

Complaint narrative:
The debt on my credit was fraudulently put on that was not me I was a victim of identity theft and I would like it fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A charge was made on our Chase XXXX card in the amount of {$10000.00} to The XXXX XXXX on XX/XX/XXXX. The service was for a time share exit. After several communications with The XXXX XXXX, and their agent, XXXX XXXXXXXX XXXX, it was apparent that they were not able to assist us. Their delay cost us an additional fee increase of {$700.00} to exit XXXX XXXX XXXX XXXX through their XXXX program. On our own, we finished exiting the second timeshare on XX/XX/XXXX, thus avoiding membership and maintenance fees, totaling {$2900.00}, due XX/XX/XXXX. We requested a refund from The XXXX XXXX, but they refused. We contacted Chase to dispute the charge as Chase claims to protect from fraudulent vendors. The charge was disputed in XX/XX/XXXX and documentation explaining the incident was submitted. In XX/XX/XXXX, Chase CLOSED the dispute with the following comments : " Dispute outcome -- Credit issued. We reviewed your dispute with the merchant and decided in your favor. We closed this dispute and changed the temporary credit we issued your account while your dispute was still under investigation into a permanent credit. '' XXXX was made on this statement and the permanent credit. I placed reliance upon Chase Cardmember Sevices written decision, and spent that earmarked $ XXXX money on a home irrigation system. Legally, promissory estoppel should prevent Chase Cardmember Services from changing their written decision, on or about XX/XX/XXXX. Chase rebilled the charge to our closed credit card account and charging interest on the {$10000.00} twice reversed charge. Chase Executive Office investigator XXXX ( no last name provided ) has not returned my telephone calls, and no manager was available today to answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I reported a scam to CashApp for a {$230.00} transaction. Within minutes of the transaction, I attempted to cancel it but CashApp wouldn't allow me. I attempted to request a refund the next day, but that didn't work either. When reporting the CashApp user as a scam, it automatically blocks the account so I can't see if it's still active on CashApp. I tried contacting customer support, but they only had a chat bot. I asked the chat bot for a phone number numerous times and was never provided with a number for a live agent. 
I then disputed the transaction where the money transmission came from - my XXXX XXXX checking account. I sent XXXX XXXX all of the chat transcripts, logs, and receipts, but never received confirmation that they received the information or reviewed it. Several days later, I called XXXX XXXX claim support and asked numerous times if they received the email where I sent every detail about the dispute. I was told it doesn't matter because they won't honor CashApp transaction disputes. I asked to speak to a manager, but was transferred to an escalation call center where the agent repeatedly only said, " we won't honor this dispute. '' I spent a ton of time and effort doing my due diligence to have to follow up myself and simply be told no one will help me. 
I was dismissed by CashApp and I was dismissed by my bank ( XXXX XXXX ) despite having FDIC insurance that is supposed to protect me from scams and fraud like this. If XXXX XXXX won't even submit a chargeback for blatant scams such as this, they are encouraging the proliferation of scam artists on these apps because there's no repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. XXXX5 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 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 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 2023-01-03 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: NY

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact.

As defined by the IRS Even if you didnt receive a form 1099-c you must report canceled debt as gross income on your tax return.

The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition the IRS Clearly says a Cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate 15 U.S. Code 1681s2 Says you XXXX XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately. 
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact.

As defined by the IRS Even if you didnt receive a form 1099-c you must report canceled debt as gross income on your tax return.

The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition the IRS Clearly says a Cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate 15 U.S. Code 1681s2 Says you XXXX XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately. 
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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 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 2023-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have my Mortgage finance with Navy Federal Credit union. Every month I pay extra principle and extra escrow to make sure that I don't fall short in my escrow. I paid extra escrow for the 2022 year. A total of {$390.00}. 

I paid on line and each time I paid, I made sure that the escrow box was completed with the amount extra I was paying. 
Each time Navy took my extra escrow and put it in as principle. Not as extra escrow. 

Each month my reflected that I paid 2 extra principle payments instead of 1 extra principle payment I talked with about 5 Navy federal Credit representatives, they put the information in my account records, but still did not credit me the extra that I had paid. 

I even sent an email to XXXX XXXX about a week ago. I did not get a response. 

Today XX/XX/2023, I received a letter stating that I was short {$330.00}. Making my new mortgage payment {$890.00}, up from {$840.00} Why should I absorb this new amount when I paid the extra escrow throughout the year and it was misapplied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
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 XXXX XXXXXXXX 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 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 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Collection Agencies, Inc.
State: ID

Complaint narrative:
Company states they have tried calling and mailing me letters. I never received any letters and they are suing me. But when they were serving me they went to the wrong house and served the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have several hard inquiries that were not me Id like to get rid of by the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX 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 non-monetary relief