vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Monex Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX and I am the business owner of XXXX XXXX  XXXX XXXX XXXX, a small business located near XXXXXXXX XXXX. We have been a customer of a company called Monex/Tempus since XXXX. Their website is XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, Monex/Tempus wired {$34000.00} out of our business checking account. This was followed by another transfer on XX/XX/XXXX for {$43000.00}. These were fraudulent transfers as they were not authorized by me. 

The events started on XX/XX/XXXX, when a fraudster accessed my XXXX XXXX account and sent an email to our contact at Monex. The fraudster requested for Monex to change our vendor beneficiarys bank information and to wire XXXX XXXX to this new beneficiary account. On XX/XX/XXXX, the fraudster sent another email to Monex requesting another wire transfer to another vendor in the amount of XXXX XXXX. Monex then replied to the fraudster and stated that Monex needed to confirm beneficiary account changes over the phone. The Monex rep then asked the fraudster if he was available to speak. The fraudster replied that he would call the Monex rep back during his work breaktime. Monex then sent another email to the fraudster shortly after stating that Monex was trying to call him to verify the beneficiary change but that no one was answering the phone. The Monex rep then asked the fraudster to call him back. This was a big oversight on the part of the Monex rep. He should have never requested the fraudster to call him. Monex should have called me on my office or cell phone to make sure I was the one who requested the transfer. Instead, the Monex rep allowed the fraudster to call him back. The Monex rep then assumed it was me and completed the transactions. 

My bank was able to retract the second {$43000.00} wire because I called them within a 24 hour period. However, the other unauthorized wire of {$34000.00} has not been returned to my account. Monex is offering to return to me only {$10000.00} out of the {$34000.00}. This is unacceptable to me as this transaction was never authorized by me and Monex is responsible for sending the wire. It seems very obvious to me that this loss could have easily been prevented by Monex if they had taken the proper steps to verify the identity of the caller. 

I am writing to ask for your assistance with helping me recover from Monex the {$34000.00} that was taken from XXXXXXXX XXXX XXXX XXXX  business checking account. I believe returning the funds to my account is the right and fair thing to do. I would sincerely appreciate any assistance you can offer me. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C/C Financial
State: NC

Complaint narrative:
I do not have an account or contract with you people. I have been going over the situation with Preferred lease since XXXX/2021. I have been told there is no contract and account. I have visited the local kiosk and confirmed there is no account. I have been told on several occasions the information would be updated with XXXX XXXX to take the fraudulent and erroneous delinquent account on my credit from Preferred Lease would be deleted. it has been 3 months and they have not corrected my report. They report a fictitious payment made in XXXX 2021. Again, I have no account and I never made a payment. Preferred lease will not provide me with a signed contract or validation of debt including said account where this payment was derived. Bottom line Preferred Lease is in violation as they are reporting fraudulent erroneous information to the credit bureau that is not validated. They are violating FCRA and fair debt collecting practices. They are causing unfavorable credit decisions due to the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation
State: GA

Complaint narrative:
My name is XXXX XXXX I have been with SWBC for over 5 years. I have always used SWBC budget drafting and never had an issue until now. In XX/XX/XXXX, I refinanced my property at XXXX XXXX XXXX XXXX XXXX, GA XXXX and set up bi-weekly payments ( via automatic payments ) with SWBC in XX/XX/XXXX. 

Recently, I received a notice that I have a past due amount of {$2200.00} ( which is for the total month of XXXX. ) After speaking with XXXX customer service agents, they can not explain why the budget drafting did not occur. However, everyone sees my payment in XX/XX/XXXX of {$2200.00} which was required to establish the auto-draft to meet the XXXX month payment ahead requirement. 

Since SWBC did not set-up my budget drafting, I now owe {$6700.00} ( this includes XXXX and XXXX payment plus another {$2200.00} to reset auto drafting. ) Because the organization made an error with setting-up the auto-draft, I should not have to pay another {$2200.00} ( to be one month ahead ). I understand I need to pay XXXX and XXXX payments. I asked to make a payment arrangement via auto -draft so that I can pay for XXXX and XXXX. Additionally, I need my auto-draft to start this Friday ( XX/XX/XXXX ). 

I informed the company that I was sending an official complaint to the consumer financial protection bureau. 

I appreciate your attention to the matter and look forward to hearing from you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I over-drafted my account and was charged a XXXX  fee. I blocked the card, as I did not have sufficient funds and was unable to make it to the bank to deposit funds and funds transfers from my other bank werent working- they continued to accrue NSF fees for transactions still hitting the account despite me blocking them. I went to the local branch on XX/XX/XXXX and deposited {$100.00} cash to cover the overdrafted amount and the first fee and close the account, asked for the fees to be refunded, and was told theyd escalate to a manager to see if they could refund the remaining XXXX in bank fees and close the account. I logged into the account the next day to find out that the balance was at {$0.00}, so I assumed they waived the fees and closed the account as I had requested. It wasnt until XXXX of XXXX I received notification that the account had actually been charged off and charged an additional XXXX charge off fee for a total of {$130.00} being sent to collections. Called customer service to figure out how when I had closed the account, they told me to go to the branch. The branch then told me they couldnt do anything and would not give me statements until I demanded that was illegal. They then told me that I would never be able to open an account ever again at any other bank and would never be able to use checks because theyd automatically be blocked at any other bank ever again, having worked in fraud for another bank, I know this is untrue and is illegal debt collection practice. I was given misleading information, and the branch gave me false promises and failed to inform me that the account was going to be charged off on the next business day when I went in for the deposit. This bank is using illegal sales practices and is misleading customers and committing theft with unclear practices and fee structures and failed to communicate with me the status of my accounts when requested :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Trouble using your card — Can't use card to make purchases
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
It has come to my attention that BMW has denied me credit. I the natural person, original creditor, and applicant, am aware that letter I received is a adverse action letter pursuant to 15 USC 1691 ( d ) ( 6 ). As the ORIGINAL creditor, I initiated a consumer credit transaction with my credit card pursuant to 15 USC 1602 ( L ) making BMW an assignee pursuant to 15 USC 1691a ( e ). I FILLED OUT A CREDIT APPLICATION ( exhibit A ), not a loan application because no financial institution can LOAN money pursuant 12 USC 1431. Furthermore i did NOT receive any benefit from that transaction which has negatively impacted my credit ( exhibit B ). This inquiry from BMW proves the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant with such respect to ANY aspect of a credit transaction as congress states pursuant to 15 USC 1691 ( a ). Lastly, congress no credit card shall be issued except in response to a request or application thereof pursuant to 15 USC 1642. It is shocking to me that BMW Takes pride in their ignorance of consumer protection. Regulation Z, equal credit opportunity act and the fair credit reporting act are all publicly available to relief you of your ignorance. Ignorance of the law is no excuse. As a result of the adverse action i have lost faith and confidence in the public banking system. As it has directly impaired me from exercising my right to extend credit. I DEMAND, that you show me the statements of reason for exactly why is denied credit. Keep in mind that the Fair credit reporting act states that any report containing information solely as to transactions or experiences between the consumer and the person making the report. Communication of that information among persons related by common ownership or affiliated by corporate control ; or communication of other information of other information among persons related by common ownership or affiliated by corporate control. And lastly the a consumer report shall not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Commonwealth Financial is claiming that I owe medical debt from XXXX and XXXX of 2017. There was no medical debt owed as I had an HMO plan through XXXX XXXX XXXX. All of my co-pays/deductibles were paid at the time of service. These reports of debt owed are false and are negatively affecting my credit. They placed XXXX separate collection amounts on my credit {$1200.00} {$1100.00} {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2022-02-28 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX we made an in branch withdrawal of {$500.00} and received {$500.00}. About a month later on XX/XX/2022 Wells Fargo automatically deducted another {$500.00} stating the {$500.00} withdrawal was cashed for {$1000.00}. This is false. A week later I received a letter with a phone number to call for questions. I called on XX/XX/2022 to file a dispute and research request. I never heard back. I called again on XX/XX/2022 and provided the reference number. The representative stated a dispute/research request was not filed. A new research request was submitted with a promised resolution of no later than XX/XX/2022. I did not receive a resolution. I called on XX/XX/2022 and was told there was no resolution and was transferred several times and provided several not working phone numbers. The new case manager advised me to call the branch to dispute the withdrawal and provided me with the phone number of a branch in another state. I explained to him that it is the wrong branch ( out of state ) and he insisted that it is the right branch to contact. I tried calling the actual branch several times and no one picked up. My final call resulted in the research team escalating my case and promising a call be Thursday XX/XX/2022. 

A bank should not be able to unilaterally deduct money from accounts without cause.

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 2022-02-28 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo is the issue. I payed them completely off and they show a balance still on my report. Its reporting negatively on credit companys. I have asked XXXX  and XXXX XXXX to update its been payed in full and they wont. Wells Fargo is the complete issue and has put marks on my credit from getting loans or increased credit. I have called and written Wells Fargo multiple times and they do nothing. I have talked to banking employees and get the run around. I have talked to corporate and I get excuses and still reporting negative since XX/XX/2021. I payed a old balance and they wont update with reporting agencys correctly and they told me XXXX XXXX they will remove from file completely, but they keep lying and do nothing.

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: HI

Complaint narrative:
When I transfered funds from a XXXX XXXX account into my US Bank account. I accidentally withdrew from the US Bank account when I had no funds. They fixed the issue but when I tried to transfer the same amount into the US Bank the fraud department thought it was the original transfer out of the us Bank and automatically " fixed it '' by taking our second transfer of XXXX XXXX We called US Bank they said it would be resolved in 10 days. We keep checking on the status and now they don't even have a record for part of the calls. We just want our money back and they would do that. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I purchased a new XXXX XXXX XXXX in XXXX, I put {$2000.00} down I Also trade in my car to tried to lower the principal amount, the Toyota dealership located at XXXX XXXX XXXX, XXXX XXXX VA XXXX offer me a loan with Toyota Motors at the time I did not know what my interest rate was, at the time of signing the loan documents I found out that my payments will be {$730.00} after making almost a year of monthly payments at a very hard interest rate I was not able to continue with the payments, I fall behind for 3 months and, soon after Toyota repossess my car. I got sick and I did not work for a few months so I could not make the monthly payment of the Toyota motor on time.

after they repossess the car they sold it, Toyota motor never disclose to me the amount the car was sold for. they told me that I now owed {$13000.00}. now that I have worked hard and have some savings, I called Toyota motors to request a settlement back on XX/XX/XXXX they told me they will escalate the issue and will get back to me in the next 30 to 60 days. today is XX/XX/XXXX and no one has called or mailed me a letter in response to my request. I'm willing to settle this account with the company but they keep on ignoring me, it is very frustrating while I'm trying to work with Toyota they keep reporting to all 3 bureaus of credit, they don't want to give me the opportunity of getting this situation address. this is been a very frustrating situation to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: IN

Complaint narrative:
I previously sent a dispute about a fraudulent account on my credit report to XXXX and Experian XX/XX/2021. The credit bureaus did not investigate my claim. Instead they sent a letter stating I did not send sufficient evidence, but I did in fact. I sent them a dispute letter notifying them that Im disputing this fraudulent account under FCRA 605B with attachments of my drivers license, social security card, identity theft report, and a copy of the FCRA 605B Disclosure.

Thereafter I sent a dispute to the creditor to investigate the account with supporting documentation and the creditor responded with a letter stating after their investigation they have found that the account is in fact fraudulent.

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
3 attempted purchase at a XXXX in MI on XX/XX/2022. Phone number for location of purchase ( 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