vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
I had been looking on XXXX to rent a house in XXXX, Arizona for XX/XX/XXXX. A reply was received from the homeowner that the house was booked for my dates. Later on the same date, XXXX XX/XX/XXXX, I received a reply from the same person " XXXX, Please read my answer in the attachment of this message as I have great news for you. '' Signed, XXXX who is the homeowner. 

The attachment was as follows " Dear XXXX, I have great news for you but more information, booking process, discounts, and further details please contact me only directly by email XXXX I did not give this a second thought as I know owners will sometimes book off the XXXX website and offer better deals or discounts. All of the correspondence I received was then via email, including a request to send a money transfer for the home 's cost for XXXX. That cost was {$3300.00} and the wire transfer was done to Bank of America in XXXX, Texas. After the wire transfer was received, I then received via email all the necessary documents that showed my booking contract, Rental booking form, and payment complete. 

Just in the last few days, I have begun to feel uneasy about this transaction, especially as I search within XXXX and see the reminders about not paying off site. Today I reached out to the homeowner with questions. She states our last communication was when she told me the home was not available. She had never heard anything else from me, nor did she receive any money from me. I immediately knew I had been scammed. 

My financial institution, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND, told me they could not do anything, since in essence, this was a cash transaction, and it was gone. I still had the address of the Bank of America in XXXX, Texas where the money went. I then called there and was given a phone number for the Bank of America Fraud Department When I phoned them, because I do not have a Bank of America account, they stated they could not help me. I did have the account number of where the money went, and I asked if they could tell me if the account was still open. That was the only information they could provide, and it is still open. 

I do have all the documentation that I received from this person, that was very official looking with the XXXX letterhead. I am devastated and at the very least, would hope to have this Bank of America account flagged, as you can be sure other fraudulent money has been heading that way. 

I don't know what else I can do other than file a police report. 

I have not attached documents because I am XXXX years old and not very tech savvy. I do have things to show/share via another media such as email, if needed.

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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a claim on XX/XX/2023 in the amount of {$8300.00} due to the transactions being fraudulent. I spoke with the company via phone about the transactions to try and receive a refund and was told Id have to file a fraud claim. Some one used my card multiple times to purchase bitcoin on a website named XXXX. I have no idea how bitcoin actually works, and was talking to the company to figure out what could be done to help get my funds back. I then reached out to my bank and told them about the situation and how this was a lot of money and very important money as well. They helped me to submit the claim and told me within 10 business days id have a temporary credit or some kind of answer. I then called again to see if I could get the credit sooner because this was a ton of money that had been taken from me. I was told that the claim will be escalated and ill receive the claim in 24-48 hours. A few days go by and I hear nothing! I was told if I call again, the rep would have to update the notes on the claim which would restart that 24-48 hours and essentially prolong receiving any credit. So I then waited and waited and heard nothing. Finally I decided to call back to get some kind of update and was told the claim had been denied!!! I asked why and was told id hear something soon. I asked could the claim be re-opened and was told no it couldn't. A few days later I get a message on my BofA message portal saying the claim was denied due to an agreement that I had with the company!! I was so confused!!!! I have no idea who the company is and never had any contracts with them. During that time I had just moved to XXXX from XXXX after transitioning out of the XXXX. I did not get a fair investigation at all!! My claim was completely rushed and closed just so I wouldn't be given any credit. I had XXXX issues with BofA prior to this. All of my direct deposits were sent there. Now I have lost all trust after being treated unfairly. I am demanding a new investigation! That money was very much needed and not fair that it was just taken away from me and the ones I trusted to help me, did the complete opposite. 

Claim ID : XXXX Amount : {$8300.00}

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 2023-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
On or about XX/XX/2023, I submitted a loan application to XXXX XXXX  and was denied. Shortly after I received an alert from my XXXX XXXX app that I had a Collection on my file with XXXX. I was surprised because I had no negative accounts with XXXX. I then receive an adverse Action letter sent to me via email stating that XXXX showed a collection within 90 days ( letter enclosed ). I later discovered that Amsher also furnished this same information to XXXX. 

Further research revealed that the culprit was Amsher Collection Services. Amsher had no Permissible Purpose and no consent from me to park this account on my credit file. I never received a phone call, nor any electronic communication as well as any written communication from them. They recklessly and willfully violated the rights given to me that are established under CFPB. As a result of Amsher 's deliberate action, this is what I suffered : 1 ) Damage to my character and consumer credit worthiness.

2 ) Harmed my ability to obtain credit.

3 ) Caused me great distress.

4 ) Injured my general reputation.

5 ) Damaged my mode of living in which I expected to establish credit to be used for personal, family, household, or business purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I have {$37000.00} left in student loans, originally serviced by XXXX XXXX. The balance was then transferred to XXXX. On XX/XX/XXXX, I applied to turn my loans into the new SAVE repayment plan, as well as check for PSLF eligibility. On XX/XX/XXXX, I received an online message from XXXX stating my loans would be transferred yet again to MOHELA, to be finalized " on or about XX/XX/XXXX. '' This didn't happen. I have an online account with both XXXX and MOHELA now, and they both show me as having a {$0.00} balance. I chatted with both XXXX and MOHELA customer support, most recently XXXX with MOHELA on XX/XX/XXXX, and she told me that interest would be accruing despite the fact that there is no possible way for me to pay, and despite the fact that I had already requested XXXX to start my auto-payments in XXXX instead of XXXX ( XXXX was chosen as the default day to resume payments for all borrowers, even though interest accrued starting in XXXX ) So, basically, now there is no way for me to pay my loans, I am forced to accrue interest I don't want, and no one can give me a timeline as to when this will be fixed, or if interest will be waived while the servicers attempt to fix their mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
My bank account became frozen on XXXX XXXX suddenly and i got noticed from my bank that my bank account is restrained by debt collection judgement .After couple days i got letter from the debt collector agency XXXX XXXX XXXX XXXX XXXX XXXX Showing Palisade Collection llc has a court judgement order given on XXXX XXXX. I am confused after such a long period they can still sue for the debt where its like time barred or expired statue of limitation.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I had a credit card account with Citibank which went into collection. The collection was assigned to XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) to collect on behalf of Citibank the last XXXX digits of the account are XXXX. The amount of the debt was {$4200.00}. I made monthly payments to XXXX from XX/XX/XXXX in the amount of XXXX until XX/XX/XXXX. The total amount paid to XXXX is XXXX. 
Citibank reassigned to account to XXXXXXXX XXXX to continue with the recovery of the debt. I have paid XXXXXXXX XXXX {$2700.00} at the rate of {$98.00} per month from XX/XX/XXXX until XX/XX/XXXX. The total paid to both collection agencies is {$4200.00}. These funds were sent to Citibank. 

In XX/XX/XXXX I called client services to check on the remaining balance. The told me at the time that the remaining balance was {$1600.00}. They had no records of payments made to XXXX. I was instructed to contact Citibank Resolution Services at XXXX to investigate what happened to the payments made to XXXX. XXXX does not appear to be in business any longer. Citibank has no records of payments made before XX/XX/XXXX. I have been paying on this account since XX/XX/XXXX. 

Citibank has been called several times about this and all they will tell me is that there is a dispute.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Experian it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/ date of first delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/, XXXX has XX/XX/, Experian has XX/XX/. All three can't be accurate or correct. FCRA requires you to fix it or delete it, or blocked it.

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 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed by XXXX on XX/XX/2023. I supposed to purchase a chihuahua puppy but I didn't receive a puppy. I paid {$820.00} to XXXX XXXX ( XXXX ), I used XXXX to send my payment for the puppy ( XXXX to XXXX XXXX - XXXX - REF # XXXX - I LOVE XXXX ). I communicate with him thru text messages at ( XXXX ) XXXX and email : XXXX. I paid {$1700.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the Air Conditioned Pet Travel Crates Rental ( thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX ). I communicate with him thru phone ( XXXX ) XXXX and email : XXXX. He said that it is 95 % refundable upon the arrival of the puppy at home. Later, XXXX XXXX informed me that the puppy is put on hold because the pet needs insurance at XXXX XXXX XXXX XXXX. I paid {$1500.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX XXXX XXXX XXXX ( {$700.00} - thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX and {$800.00} - XXXXXXXX XXXX to XXXX REF # XXXX ). He said that it is 95 % refundable upon the arrival of the puppy at home. It's too late for me that my relatives and friends told me that XXXX is a SCAM and it is included in the list of XXXX Scams at the websites. Again after XXXX hours, XXXX XXXX informed me that the puppy is put on hold again because the pet needs Vaccination and Rabies Shot at XXXX XXXX XXXX XXXX. I need to send {$1300.00} and It is refundable also upon the arrival of the pet. I didn't send a money anymore because I learned that it is a SCAM. I tried to call him for the refund of the money that I send but he refused to give my money back. According to him that the puppy is already at XXXX XXXX XXXX XXXX. He said also that if I don't send a payment, FBI will arrest me for the abandonment of a puppy at the airport. I lost for the total of {$820.00} + {$1700.00} + {$1500.00} = {$4100.00}. This is a big lesson for me. As of now, many online websites are fraud. I need to be careful next time especially when I send the money. I tried to contact my bank, Wells Fargo to dispute or reverse my payments thru XXXX and XXXX XXXX. Since those apps are considered as cash payment, they can't reverse my payments and the money that I send to them are totally lost. Sadly, the address of the breeder, XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, Texas belongs to the real owner, XXXX XXXX. The address of XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX belongs to XXXX XXXX and XXXX Co. I would like to request for your help. My bank told me that the payment transactions that I did will be reversed if I have a police report and FBI reports. I hope that you can help me to arrest the scammers and help the victims of 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 2023-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Reel Time Capital LLC
State: CO

Complaint narrative:
I ( XXXX XXXX ) received a XXXXspam ' call from phone number # XXXX. In a voicemail left on my phone, this individual identified herself as XXXX XXXX. I saved the voicemail due to its threatening nature. In the voicemail, she immediately said she was a Compliance Officer w/ the State of Colorado , formerly serving me by telephone voicemail. When leaving a call-back number and " case number '' information, she said it almost too quickly for me to be able to identify it. She left a " case number '' of XXXX. She left a call-back number of XXXX. This is for Reeltime Capital, which I did not find out until after I called XXXX XXXX to verify. XXXX XXXX acknowledge they sold the debt and that this individual violated FDCPA by threatening to take me to court for intentional fraud with no proof of that. In fact, I am able to prove that I lost my employment of 11 years in XX/XX/XXXX  and was unable to pay at that point. I did stay in communication and was current, up to that point. There was never any deception, on my behalf. This is completely unacceptable. She was extremely rude to me and tried to collect the debt personally, herself, when she's a process server, and not a collections agent. In addition to that, I do not believe it is legal, in the state of Colorado, to " formally serve someone over the phone ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
There are hard inquiries from XXXX that I do not have acknowledged off or did to show up on my credit report. I have called the credit company for these application and accounts they have closed it and have done an investigation. The hard inquiries and credit card accounts are still showing on my credit report.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
There are hard inquiries from XXXX that I do not have acknowledged off or did to show up on my credit report. I have called the credit company for these application and accounts they have closed it and have done an investigation. The hard inquiries and credit card accounts are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I was led to believe that I could not receive a loan without signing up for an add-on product, and I was never able to remove it. I was also mislead on the payment process - whereas I made payments that totaled {$8400.00} - some of those payments were made early ( as I was told that would lower my principal if my goal was an early payoff ), but my principal only went from {>= $1,000,000} to {$8100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I mailed in my payment for XXXX around the first of the month. Comenity Bank never posted it & claims they never got it. I've done everything they've asked me to do and they still claim that I haven't provided them with proper documentation and they consider this grievance closed. They are charging me overdue fees every month. My bank, XXXX, gave me a photo copy of the front & back of the electronic check they sent showing the transmittal info that Comenity asked for yet they won't accept it. It shows the check was cashed on XX/XX/2023. A month after I mailed it to them! They held it till it was past the due date before cashing it & did not post it to my account. Today I received a form letter stating that this issue is now closed because I didn't provide them with their requested documentation. And I also got a bill from them for {$230.00}. The original bill was for {$190.00}. Every time I call Comenity I get a different agent. No-one knows what the other agents are telling me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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