vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I've noticed that I had received a few email communications and marketing information for " XXXX ''. We share a last name but my name is not XXXX, and I do not know anyone with his name. Because of this, I deleted the emails considering them junk/phishing emails without really looking at them and believing it was a fluke that would resolve itself soon enough. Today I just happened to read the information in the email and realized the email had the customer 's full name, the last 4 of their credit card number, available card balance, and referenced his birthday. In my opinion, this PII is a great starting point for identity theft. 

So today, I contacted Lowes Credit Services/customer care ( Synchrony Bank ) to advise them of the issue and share my concern that if they are sending his information to me that I felt my information may be compromised as well... I spoke with XXXX at approximately XXXX XXXX XXXX who told me it couldn't happen. Well obviously it can because I'm getting his email which has a lot of his personal information. 

I conceded that maybe she might not have the tools to investigate further but I was extremely concerned that she wasn't even considering escalating this issue or trying to identify the correct person to which the issue should be passed. As a database programmer, I felt fairly certain that the 'correct person ' could search by email address ( since I'm receiving his information via email ) and find out whose account information I was receiving. I offered to provide my email address so they could search by email and find the account but she expressed no interest. I didn't want her to confirm his information with me... I wanted her to identify and fix his information and verify that mine isn't being sent to someone else.

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 2023-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Mr cooper accepted my modification allowed me to make 3 monthly payments and I did this on time each month, then at the end of the trial period they said congratulations we will send you out paperwork to sign and then 3 days later they denied me. 
They are now telling me to resubmit all the paperwork again only for me to be denied again. 
According to my lawyer the investor would have had to agree to the modification to allow me to have a trial period and as I made the payments on time I should never have been denied. 
If the investor had any concerns they would never have allowed a trial period. 
I've been trying to work this out with Mr Cooper and all I get is stumbling blocks that is forcing me further behind on my mortgage. 
I will be reporting Mr cooper to the BBB and contacting my attorney General regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
3 XXXX  transactions were made on XXXX to three different individuals ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ) each for {$1000.00}. Two additional XXXX transactions were " cancelled '' on XXXX by Wells Fargo ( one to XXXX XXXX for {$1000.00} and one to XXXX XXXX for {$500.00} ) Then on XXXX Wells Fargo fraud detection department left me a voicemail. Then also on XXXX charged two separate fees related to these transactions : one for {$4700.00} for " deposited item retn unpaid fee '' and one for {$12.00} for " cashed/deposited item retn unpaid fee '' A total of {$7700.00} was taken from my account due to the unauthorized/fraudulent transactions and related fees. I called to open a claim to recover the funds taken and received a letter from Online Fraud Claims dated XX/XX/XXXX saying they researched and found the transactions were authorized. I called to escalate the claim and was told to gather evidence it was unauthorized to fax in. I wrote a cover letter establishing I don't know the receivers and do not use XXXX  services also that their fraud department was triggered by the activity supporting the fact that these were not authorized. I faxed the letter along with info about police report, ic3 claim and FTC report on XXXX.

After not getting any reply I called to follow up on XX/XX/XXXX and WF customer service said I had no claims attached to my accounts and would open a new claim that I would get a mailed letter about in 7-10 business days. 

I never used XXXX, I don't know the individuals, I didn't give out my password, I didn't grant access to or authorize anyone to use my account. I have completed a police report, ic3 complaint, and contacted FTC to 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Kept charging me overdraft fees and sometimes they were not accurate so eventually the account was charged off

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 2023-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio recovery contacts me a minimum of 6 times a day from various numbers but this number at least 3 times a week. Ive asked them to send verification of debt Ive never received anything. Ive asked them to stop calling but it continues. Attempts to block the number they call from spoofed numbers. At this point it is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Remitly, Inc.
State: CA

Complaint narrative:
I have filed several legitimate disputes about issues with purchases but XXXX has not always properly investigated them or says that they have done so but actually have not. I have asked for information on how they came about these decisions but they have not provided information. I believe XXXX is violating my XXXX XXXX rights to dispute transactions for some reason and this isn in violation of both federal law and state laws for California.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Okay here 's my complaint my original Wells Fargo account check it and service was open last year at that time you guys charge me fees non-sufficient fun fees and etc and I had not bought anything or use the account and then the money I did deposit that disappeared and then account ended up being close and when I tried to deposit more money that's how I became the knowledge that the account will close so I said well I'm open this account back up and I sent documents and everything proven who I was several times and you still denied me but you gave me no reason for your denial you gave me no reason why you close my 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 explanation
Consumer complaint received 2023-01-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Had a Gap Visa Synchrony credit card with an outstanding {$6000.00} refund. Once they were bought out by XXXX XXXX never got the credit! 

Claim Numbers : Synchrony # XXXX Previous Credit Card Numbers XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX XXXX # XXXX and # XXXX XXXX Complaint # 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For consumer financial scandel since there is a lawsuit and I had them in XXXX  to see if I was charged fee XXXX I should not have been charged.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, a call came to my wife 's cell phone from Chase Bank Fraud Protection stating that her debit card ending in xxxx ( correct numbers ) had been attached to a XXXX XXXX. The automated voice assistant said to press 1 to authorize and 2 to deny ( or something like that ). She pressed 2 and then the automated assistant stated a code would be sent from Chase via text and to enter those digits. My wife had issues understanding and following the instructions but the phone kept ringing and the texts kept coming. Finally she entered the code which then initiated the fraudulent withdrawals from our Chase account. Chase was contacted by phone immediately to stop the withdrawals. {$4800.00} was taken before it was stopped. The card was cancelled and new usernames and passwords created. Chase initiated the investigation and we were provided a preliminary repayment on XX/XX/XXXX. On XX/XX/XXXX, the refunds were reversed by Chase Bank. I contacted the Claims department and was told that because my wife provided the code to the fraudulent Chase caller, this was not considered an Unauthorized Electronic Fund Transfer. After researching Regulation E and visiting the local branch, I was told the same thing and that claim was closed. I filed a police report and then researched the definitions in Regulation E further ( XXXX ( m ) specifically ) and online legal opinions. I called the Claims department back and Chase returned the refunds to my account. I'm left feeling that if not for my pushback, Chase would not have returned the money that is clearly protected by Regulation E.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 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: FL

Complaint narrative:
MY IDENITY WAS USED TO OBTAIN A RENTAL FRAUDULENTLY! 
IN ADDITION TO OTHER UNAUTHORIZED TRANSACTIONS VIA CREDIT CARDS AND LOANS.

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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY IDENITY WAS USED TO OBTAIN A RENTAL FRAUDULENTLY! 
IN ADDITION TO OTHER UNAUTHORIZED TRANSACTIONS VIA CREDIT CARDS AND LOANS.

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 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Back in 2011 I was only behind XXXX XXXX dollars and I asked if they could allow me to make up the money in future payments. They said no so they foreclosed on me.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I previously banked with Truist bank where I used the account to receive a portion of my work direct deposits for savings purposes. XXXX sat pending for several days so on XX/XX/22 I attempted to access the account online and access was restricted trying to login to my account. I then contacted Truist customer service line and spoke with XXXX mentioned to call back in 24-48 hours for an analyst to review my account. 

On XX/XX/22 called and spoke with XXXX who mentioned no email was sent and the account was closed for XXXX weeks and no check had been issued. Advised I call back later in the day. 

Later that day I spoke with XXXX and was told this was an early warning service regarding fraud and the account was not closed. After being on hold for over an hour the line was disconnected. I called back and spoke with and spoke with XXXX and XXXX who said they cant help and to go to a branch. This was not acceptable as I had never been in a branch as everything was opened online. 

I spoke to XXXX and the a supervisor named XXXX who claimed Someone else is using the account and Fraud was evident. I ended up being disconnected after being on hold for XXXX hours. 

On XX/XX/22 I went to the XXXX XXXX branch and spoke with XXXX who told me the account was closed and a fraud warning from new accounts was present. He stated he would respond back when he heard something. 

I received no contact and called back XX/XX/22 and spoke with XXXX in the branch and was told XXXX was out of office and she would look into this. She returned my call XX/XX/22 and left a voicemail stating XXXX would reach out to me. 

I then reached out a few days later, but did not write down the date. I spoke with XXXX, a supervisor, and was told the account was in fact closed and she could not provide any further details but assured me a letter would be mailed as well as my funds distributed. 

No mail or phone contact was made by Truist and on XX/XX/22 I contacted the branch and spoke with XXXX and was told XXXX would reach out to me today. He did not return my call, but sent an E-mail at the very end of business hours stating Back on XX/XX/XXXX, I received an email back from our fraud department and they said that we can not reopen the account, can not give you the funds, and they could not give me a time frame on when they would be done with their research. They said that we are exiting the relationship with you and that you will be receiving a letter. There is nothing else that we can do at the branch level. 

I have not received a reply. At this point the bank is admitting my account is closed, but refusing to return my funds which I currently need to pay taxes and other end of year essentials that I was budgeting for.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Hi, my account was overdraft for absolutely no reason. The funds were there to cover the transactions but my account was still overdrawn. This happened to me twice. With my card being put into the negative state, I was short with my checks and everything else I had to pay. This was very inconvenient for me.

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 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: ID

Complaint narrative:
In XXXX of XXXX an account was opened with XXXX XXXX using my identity ( personal information ) in XXXX, Illinois. I have never lived in XXXX nor have I purchased products or services from XXXX XXXX The account became delinquent and the {$1300.00} balance was sent to the first collection agency in XXXX of XXXX. In XXXX of XXXX, my wife and I were trying to get a loan to build our house and that is when I was first made aware of the debt as it negatively affected my credit report. I disputed the claim with XXXX XXXX, the collection agency, and the credit bureau. I was told by XXXX XXXX the account was being processed as identity theft/fraud and would be closed. The debt collection was removed from my credit report a month or two later. Fast forward to XX/XX/XXXX and I get a letter in the mail from a second collection agency stating I owe them {$1300.00} as a result of debt with XXXX XXXX. The amount of the debt is lower by roughly {$13.00} but the account number is the same from the first collection agency. I called the collection agency and explained the history of the situation. They advised me to call XXXX XXXX I proceeded to call XXXX XXXX where I was on the phone for over an hour and transferred at least 4 different time to another department. The final person I spoke to stated " the account was too old to view and I need to be transferred to debt collection. '' They transferred me back to the collection agency I had already spoken to. I was definitely frustrated and had been given the runaround by XXXX XXXX. I then called XXXX and formally disputed the debt collection. I was told that some companies, like XXXX XXXX, are able to sell the debt to another collection agency when the amount is changed and the company then offers no help to resolve the situation. This is a terrible practice and has wasted valuable time. XXXX XXXX, or any other company, shouldn't be allowed to resell debt especially when it wasn't mine to begin with. XXXX XXXX 's customer service, specifically the identity theft/fraud department XXXX were of no help and definitely aren't taking identity theft seriously!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: PA

Complaint narrative:
I have received a letter in the mail on XX/XX/2023 and the document says it was sent XX/XX/2023. 

The letter claims I owe the amount of XXXX of medical debt from XXXX years ago. The company is attempting to collect the debt for XXXX XXXX XXXX XXXX in XXXX XXXX. The debt collector is Capio Partners LLC I believe I do not owe this debt as I always pay my bills on time and correctly. This notice does not say I can dispute the debt or anything about how to discuss correcting other than paying online or over the phone. 

I tried calling them on the number listed and it is just a robot answering service. The call dropped halfway through and then again when I called again. It was an automated answering service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I believe that I am included in the Wells Fargo class action suit.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
AT YHE TIME I HAD MY ACCOUNT MY WIFE AND STARTED TO NOTICE THAT OUR ACCOUNT WAS IN THE NEGATIVE OF XXXX XXXX OF XXXX AND WE WOULD HA E TO PAY IT WHEN EITHER HER OR I RECEIVED OUT CHECK

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