vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX Someone broke into my husband 's work truck and stole his wallet. We called right away and got our cards turned off and new ones sent out. I went to the ATM XX/XX/XXXX to get money out. I realized that somebody had withdrawn {$3500.00} from my account my account. And there was a XXXX deposit not made but myself or husband. I called Wells Fargo right away and told them there was fraudulent activity. They basically told me that it was impossible for someone to withdraw that kind of money that wasn't a cardholder or account owner without ID. I told them about my husband 's wallet. He was treating me like I was lying and some sort of criminal trying to claim Fraudulent actions. He submitted a claim and froze my account and supposedly put a hard lock on it so nothing was able to act or 2 access. Over the next 3 days from branch to branch the thief was depositing bad checks and withdrawing anywhere from a {$1000.00} to {$3500.00} A-day. The XXXX and XXXX of XXXX there was withdrawing of XXXX, XXXX, XXXX, another XXXX with a more bad checks. They closed my account and transferred all of what I had left for money into a new one for it to continue to happen. I kept calling Wells Fargo and telling them this and and it continued to happen.. When I was told this this was taken care of they drained my account down to XXXX. All I could do is cry. Then all of these bounced Checks started coming through and made my account negitive and then they dipped into my Wells Fargo credit card for the overdraft which went over my {$1500.00} credit limit which Now its going to affect my credit negatively. This is any persons worse nightmare. I had to borrow money for the XXXX time in my life from my father because I had no gas in my car or food in my fridge for my children..Wells Fargo refused to give me A-line of credit until this was taking care of. I have never been treated so badly being called a liar and basically a criminal. Every time I was under the impression that this had stopped and been taken care of on their behalf it continued to happen. They literally drained Everything I had to my name. I haven't received a phone call, feedback or an update as far as to what is going on on. I have try to call them and they just keep telling me that I need to be patient for a 10 day investigation. I have filed 3 different police reports in 3 different cities for these all happened in. I am defeated, anxious and scared. Wells Fargo has been zero help. I have been a customer of theirs since 2003 and I'm absolutely disgusted with how they have handled this. I am looking into hiring a lawyer in dealing with this otherways.

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 2021-09-13 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: MS

Complaint narrative:
XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX PORTFOLIO XXXX-XXXX  PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX-XXXX  PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , XXXX Telephone XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
i went to get my car appraised and the guy ran my credit to al these creditiors after i respectfully asked him not to do such!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
i went to get my car appraised and the guy ran my credit to al these creditiors after i respectfully asked him not to do such!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: AL

Complaint narrative:
i opened a suntrust bank account XX/XX/XXXX & the online app didnt work so on XX/XX/XXXX i called and they told me my account was closed for review, with no email, letter in the mail or call notice. they said my funds would be sent via check 7-10 business days, I called again XX/XX/XXXX & was told my account was closed on the XXXX & that i had to wait 5-7 business days for a check in the mail. 11 business days later XX/XX/XXXX i call and they tell me that my account was closed on XX/XX/XXXX and a check will be mailed on 7-10 business days. it has been 15 business days since the account was supposedly closed and they keep telling me different days and to wait 7-10 business days each day i call. still to this day i have no received a letter in the mail, an email or phone call regarding my account being closed for any reason or any explanation.

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 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo has allowed for the creation of scam/fraudulent accounts. I fell victim to a wiring scam on XX/XX/2021 for my housing down payment where the beneficiary account ( scammer ) had a Wells Fargo account. The scammer was able to make an account with the same name as my attorney even though that's not their real name. Wells Fargo also accepted a wire to an account where the account details did not match up exactly. Wells Fargo has delayed freezing the funds in the scam account, which decreases XXXX  XXXX XXXX ability to recall the wire. Wells Fargo has allowed for the creation of scam accounts under fake names and has caused delays in getting the money back to the victim of a scam.

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 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
i tried to send a domestic transfer. i am out of the states. the bank flagged the transaction and asked me a verification number as to where my social security was issued. the information stored in their system is wrong and accordingly I always got a wrong answer, and thus they would not able to process my request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I sent out a letter on XX/XX/2021 with my ID and identity theft statement as well as a police report for an account someone took out fraudulently in my name. SECU failed to remove it. I called to ask why and they said it is correct but it is not. I also have never lived at the address they are saying I have and I provided that proof as well. 

I also called the credit reporting phone number XXXX and was not given any help by XXXX or XXXX. I had to ask for the supervisor. I was transferred to XXXX and he disconnected the phone line. I have not been able to get help since and they have seemingly blacklisted my account so no one provides help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below was the account that is reporting on my Credit Reports : XXXX XXXX Balance : {$45.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2021 I was shopping on XXXX XXXX for a XXXX XXXX XXXX. I came across an offer at the following link XXXX XXXX XXXXXXXX  XXXX The ad specified the item was nearby and brand new for {$520.00} + XXXX shipping. I reached out and began corresponding with the seller. I submitted an offer via credit card using XXXX XXXX check out. They cancelled the offer and insisted on using XXXX instead. I don't use XXXX to often but it is offered by both of my banking institutions so I agreed. I sent a payment that was requested in the amount of {$450.00}. I asked if this was accurate and they acknowledged. Then I received a text saying I didn't send enough it was {$540.00}. I knew this was more accurate so I sent an additional {$90.00}. Then they responded saying their mom wouldn't allow it sold for that price and it asked if {$100.00} more was ok and I agreed because price was still reasonable. Shortly after they asked if I wanted to pay {$100.00} more for all the accessories they bought with it because they would not have a use for them if they sold the XXXX. They furnished a receipt that included a charger, a remote and a wireless headset. I agreed but insisted this was all I felt comfortable spending and that if it was going to be any more then I wanted a refund. They insisted that was all and they would send me tracking number. Today, XX/XX/2021, I requested the tracking number and they said they needed another {$100.00} to pay for tariff increases. I asked what tariffs there were between California ( which is where the receipt was from ) and Washington? The told me " Trust them, no XXXX I promise. '' I refused to send any more payments till I receive a tracking number or a refund and have since heard nothing. I reported a scam to XXXX XXXX, XXXX and my bank, Chase. I was told by both Chase and XXXX that I sent the payments so there is nothing they could do. I feel that this is an unfortunate answer from both my bank and XXXX seeing that my bank offers it as an option through their banking app. Why would they offer something that they don't help or protect their members from. I rarely if never use XXXX XXXX and hardly use XXXX except to lend my daughter money but now I less inclined to use either and feel that is my bank is not willing to protect me as a member then they shouldn't offer something that allows their members to be so vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
This is an online money market account AXOS Bank, also operating as XXXX XXXX, sent me a threat lettter, that if there was no activity on my account, they would report it to the government. 

I then attempted to log in. My password did not function. After a long time dealing with their customer service people, they said they would e mail me a password change request. It never came. ( all my other e mails reach me and I had nothing in spam filters ) Finally, I called back to close the account. They said I had to log in to close the account. Again, a long time on hold. I explained I CAN'T LOG IN TO CLOSE THE ACCOUNT because the system won't let me log in. 

I do online banking with other money market places, and no such problem. 

I have attached their little threat letter. 

All I want is to close this account without having to log in to their shabby website, which I can't do. 

Now, they are saying they will send me a message that I have to respond to in order to verify it, so I can close the account. However, to see the message, I have to log in to their website, which has been impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
GOLDMAN SACHS BANK USA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My ex-girlfriend added me as authorized user on her Bank of America credit card, when we broke up I returned the card to her and asked her to remove me as authorized user. Now I am trying to apply for a loan but I can't get the loan because she never removed me as authorized user and the account is in charge-off collection status. I have no clue about her or I don't know where to contact her to request again the removal. I called today Bank of America and I explained them I DON'T WANT TO BE AUTHORIZED USER OF THIS ACCOUN, however they said I can't request that and the primary user of the account should request it but how if I can't get a hold of her.

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 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
( original complaint - This account opened XX/XX/XXXX and closed XX/XX/XXXX ending balance of {$6900.00}. Amex put a lien on my home and refuses to discuss this with my attorney. We have been sent to three different law firms who were " handling '' this and have yet to speak to anyone that can rectify it. My attorney XXXX XXXX and his staff have been reaching out the AMEX attorney listed as handling this several times over the past three weeks. No response. This has caused the sale of my home to cancel and I've lost {$120000.00} in equity. ) AMEX has sent the same response twice, and we've tried to call the AMEX attorneys today. We have eight weeks of records showing our attempts to discuss this with the AMEX attorney. They have YET to respond to our calls. We will file for a jury trial in XXXX County Georgia on XX/XX/XXXX unless we hear back from them. AMEX doesn't take this seriously because they/ve not replied with anything different after all of these complaints. All information contained within our complaints here will be used as evidence in our suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I received a notification from my credit card ( XXXX ) that I had a derogatory mark on my credit report. I reviewed my credit report and there was an outstanding debt balance from IC System. I called IC System ( spoke with XXXX, ID # XXXX ) and explained that I was never notified of debt or given an tracking number. I asked for their documentation that they attempted to notify me of debt and they said that they attempted 1 call and could not leave a voicemail due to privacy and they could not mail a notice because my address was out of date, and no other attempts were made. I asked why other calls were not made before they submitted the debt to my credit report and XXXX states it due to having thousands of accounts and being understaffed.

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 2021-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Care Credit contacts me at least 5 to 7 times each day and on the weekend. I have been repeatedly harassed by them on a daily basis multiple ways and after asking them to stop, I started getting harassed more. They call 2-3 times a day, email 2-3 times a day, and also text me 2-3 times a day. This is illegal and is harassment. I want the CFPB to understand that they DO NOT STOP and if you say something, they make even more attempts to harass you. I can't tell you how many times I have opted out of texts and asked that they stop calling multiple times a day. I will get an attorney next if this isn't taken care of.

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 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
I receive these phone calls for an account of XXXX. Have received for several years using my cell phone number, which I have owned for 20 years. I have asked repeatedly for them to delete and to notify the debtor that the number does not belong to this party. I am told that the number has been deleted but constantly get phone calls. I took the action to the Attorney General 's office in MO from an agency in MO. The agency admitted that they had contacted me several times. The calls have stop there. However, I keep getting these calls from a particular company out of TX and have for years. I have been assured many times that the number has been deleted. Today, I received another. It is time for this harassment to stop and never call again.

Company response to consumer: Closed with explanation