vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XXXX I sold a washer and dryer through XXXX on XXXX. The buyer transferred {$1300.00} to me through Zelle. Zelle emailed me saying the transfer was too much since I was not a business and to refund the buyer {$500.00}, and they would then in turn send me {$1800.00}. 
I did that and received another email to send {$700.00} and they would then in turn send me {$2500.00}. My bank would only allow {$200.00} for a max additional transfer on the same day. So I sent that. The buyer had asked for the additional {$500.00} the next day because his account was already deducted {$2500.00} I was already suspicious but since the emails came from Zelle I believed they were legitimate, and this was the first time I had used Zelle. When I contacted Zelle about this the first time, their automated system said I needed to speak to my financial institution. And it was impossible to get a live person on the phone. 
I called XXXX XXXX XXXX XXXX ( my bank ) and they instructed me to contact Zelle. 

On XXXX I spoke to my CU a 2nd time and was told this sounded like fraud and to reach out again to Zelle. I called Zelle and was finally able to get someone on the phone who did in fact confirm the emails were not from them and it was all a scam. XXXX XXXX XXXX union could not reverse the withdrawals, and Zelle told me they could not do anything about this as well. 

When I informed the buyer of this, he disappeared from XXXX. 
I am attaching the emails from Zelle, the conversation between myself and the buyer, and my account transactions from XXXX showing the funds being withdrawn. 
Is there anyway to recover these?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
There has been an account opened in my name as a result of identity theft. This account has been open according to XXXX Credit Report since XXXX. I have sent XXXX several dispute notices by mail. This issue has not been resolved so I contacted the actual creditor ( AFFIRM INC ). AFFIRM INC Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX I have no financial ties to this company, as I have stated this was a result of identity fraud. They have yet to send me the original contract with my signature on it, nor have I received the itemized billing associated with this account. Lastly they have yet to send me proof of ownership from this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TN

Complaint narrative:
Castle Credit calls twice a day using two phone # 's. XXXX leaves voice mail to call XXXX call back #. I've had my cell # since XX/XX/XXXX. XXXX XXXX falsely gave my phone # to Castle Credit. These phone calls and messages have been going on approximately 8 months. XX/XX/XXXX spoke with XXXX XXXX at Castle Credit again. He stated he would get with their IT department to take my phone # out of their computer. The problem calls are still continuing twice a day, every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and did nor recognize inquires or authorize use of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma presented several offers regarding a loan so I looked at them. On XX/XX/2022, I received an email regarding a decision on a loan with XXXX XXXX but I did not give permission to pull my credit report. Credit Karma did the same with credit card offers guaranteeing approval which was incorrect. 
On XX/XX/2022, I lifted the freeze on my XXXX report for another company and XXXX XXXX pulled my credit while unfrozen XX/XX/2022. Credit Karma and XXXX XXXX must work together to get customers for companies. I am a Identity Theft customers that lead me to freeze all the Credit Bureaus. In addition, any company should call me before any processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act the following XXXX  accounts have violated my rights under the following laws : 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 instruction. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # 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 2022-09-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit score dropped XXXX points overnight. I paid for my credit report but only saw genealogies nothing specific to indicate what was affecting my score by almost XXXX points. I called customer service but after collecting all my personal information was told they can't discuss my report over the phone just wanted to sell me credit reporting. I don't know what to dispute because I'm not sure what to dispute or what is affecting my credit based on what I can see.

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 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
XX/XX/2022 i applied for a wyndham credit card the card i applied for i applied fo was denied i was given a card that had less favorable rates and a very low credit limit i have excellent credit according to XXXX XXXX  XXXX on XXXX XXXX and XXXX on XXXX i feel the only reasioon i was denied is because of my 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 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2019 I filed a police report ( # XXXX XXXX ) with XXXX XXXX XXXXXXXX XXXX XXXX ) regarding a wire transfer in the amount of {$26000.00} for a purchase of a house through XXXX XXXX / Randolph Brooks Federal Credit Union. The wire transfer appears to have gone to a fraudulent account. XXXX XXXX instructed me to contact the XXXX Fraud Department. 

Eventually I was able to only recoup approximately {$1500.00} after my wife, who has since passed away, was the looking into the lost funds. I was able to locate the original XXXX  report ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent several letters to the credit bureaus in regards to this matter and have received no response. There is fraud showing on my current credit report and it needs to be removed immediately. 1 loan account listed as XXXX XXXX XXXX XXXX XXXX  credit card with a {$26000.00} balance. I have attached my FTC report, listing the accounts as well. Please removed immediately!

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 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/2022 : I entered the Wells Fargo branch in XXXX XXXX, XXXX  off of XXXX XXXX and I authorized a wire transfer of {$13000.00} to be sent to a recipient. 30 minutes later on XX/XX/2022 I called and canceled the wire transfer over the phone with a branch representative. The representative said they will intercept and cancel the transfer as the delivery date would not have been until XX/XX/2022. 

On XX/XX/2022 my money was deducted from my account against my request to cancel the transaction.

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 2022-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have 25,000 on my credit from an auto loan with 24,000 from added fees. The main items i believe to be incorrect are listed below along with a report I have created outlining the timeline/data and documents repeatedly submitted to Security Service Federal Credit Union as Proof of Insurance . 

The vehicle i purchased was insured before I left " XXXX of XXXX XXXX ''. The creditor " Security Service Federal Credit Union '' applied " Forced-placed insurance from the initial date of the loan and throughout the contract. The insurance company and I submitted proof of insurance to the creditor various times via email, fax, and certified mail throughout the contract starting from the original purchase date. 

The insurance companies have supplied the certified letters sent to the creditor as proof of insurance. The contract I signed included " Gap '' insurance in the total finance amount. The " Gap '' insurance provider was paid out by the lender and immediately added to my credit. The " Gap '' insurance provider agreement states full coverage only when the vehicle has insurance. I had insurance during the theft and when the applied " XXXX XXXX XXXX '' was on my account every month. 


The fraudulently applied XXXX XXXX XXXX  '' amounts added drastically change the balance by 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 monetary relief
Consumer complaint received 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-20 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: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
Important Your XXXX  will be canceled on XX/XX/2022 Dear Member : We've paused your available credit. because of an unusual activities. 

While your credit is paused, new charges for you and any additional Members may be declined. New charges on any other membership you have may also be declined. 

Visit XXXX Have your card handy, logging and follow the simple steps to start using your card instantly. 

Thank you for your Card Membership, XXXX  XXXX XXXX IF YOU DON'T RESPOND IN TIME. 
Your account may be cancelled.

You may lose any rewards you have pending with American Express.

Your personal account will be reported as past due to the credit reporting agencies if we don't receive the total amount due for two or more consecutive billing periods. 


XXXX XXXX  XXXX Recieved this email. Did not respond as I do not have an American Express account. 
I simply do not know where to report this scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: NY

Complaint narrative:
According to 15 usc 1666b ( a ) It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose. 

And also if I was not notified 21 days before the due date.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. 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 XXXXXXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent several letters to the credit bureaus in regards to this matter and have received no response. There is fraud showing on my current credit report and it needs to be removed immediately. 1 loan account listed as XXXX  and a XXXXXXXX XXXX  credit card with a {$26000.00} balance. I have attached my FTC report, listing the accounts as well. Please removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent several letters to the credit bureaus in regards to this matter and have received no response. There is fraud showing on my current credit report and it needs to be removed immediately. 1 loan account listed as XXXX and a XXXX XXXX credit card with a {$26000.00} balance. I have attached my FTC report, listing the accounts as well. Please removed immediately!

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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank Amount : XXXX Date : XXXX XXXX I made the report that there was a transaction that was done in my account that I have no idea about. They said they will investigate the case with the case number of XXXX. I asked them if I need to report to the police but they said there is no need for the case is under investigation. I made a follow up call after 3 days and they said that it is still under investigation. I have to wait for 10 business days to receive my funds back. So, I called XX/XX/2022 and I was just shocked that they denied my claim. The reason they gave was too vague and that I asked them what is this company that made withdrawals of my money. I made a few phone calls and was treated rudely. I was directed by one of the calls I made and told me to report it to the Police and they will re-investigate. The name of the merchant is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: NY

Complaint narrative:
I opened a XXXX account with 3 phone numbers. Unbeknownst to me, a fourth number was added to the account. ( I learned later that the XXXX agent made additional commission from this added number ). I closed the account after a year and half, in person, paid the amount that I was informed was owed and left. Collection notices began several weeks later. I returned to the XXXX branch and discovered that they had not closed the account completely, but left the fourth, unused number active. when I informed them that not only did I not request a fourth number, that I had no knowledge of a fourth number and one could see that the fourth number had never been used, they assured me they would " take care of it ''. Collection notices continued and I attempted to explain but to no avail. I received this collection notice for {$160.00} today. 
The reason I never saw the fourth number was that the bills were on autopay.

Company response to consumer: Closed with explanation