vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: SC

Complaint narrative:
My debit card was duplicated or had the number stolen. I live in SC, it was used for three purchases and one decline in North Carolinawhere I do not live. On XX/XX/XXXX there was a Transaction at an XXXX  gas station in XXXXXXXX NC for XXXX. Another purchase on the same day for XXXX at a XXXX XXXX XXXX in XXXXXXXX NC. Another purchase on the same day for XXXX at XXXXXXXX XXXX in XXXXXXXX NC. On that same day, another purchase was made for XXXX, but it was declined for insufficient funds. Wells Fargo sent me an email about the decline and I immediately called to report fraud and cancel my card. In the meantime, I contacted the restaurant in North Carolina and spoke to the owner. She emailed me the copies of the receipts where the merchant name, which should be my name, did not appear. She informed me This typically happens when a card number is stolen and was duplicated. She contacted the waitress and got a full description of the people that sat at the table and used my card. We arent the same XXXX or XXXX The manager contacted me to tell me that the people using my card ordered a bottle of XXXX XXXX XXXX for around XXXX and tried to use my card for a bottle of XXXXXXXX XXXX when it was declined. She also emailed me the receipt of how they paid when my card declined. Clearly another fraudulent card with no name for merchant. The restaurant has video surveillance of the the people who used my card. Wells Fargo has denied my claim of fraud TWICE and states my PIN number was used. My account history clearly shows that a pin was NEVER used. It is a clear case of fraud, but Wells Fargo will not handle it and my calls are not being taken. I have proof of my whereabouts in XXXXXXXX SC when these purchases were made in another state. I have XXXX  children to support and I depend on this money to live.

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 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I had a bank account open with current banking online and my bank account was suddenly closed when my account got closed they told me I was going to get a check issued to me because I was receiving my income tax refund to my current account and it was sent to my account on XXXX XXXX Today is XX/XX/2022 I have been sending emails back and fourth since XXXX I had finally received my check and it wasnt for my full amount that it was supposed to be they sent the check and it was for {$640.00} it was suppose to be {$720.00} and the check that was sent was INVAILD!! And I emailed them to let them know the check was invaild and no one has responded to any of my emails since then

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

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 instructions

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 2022-07-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TX

Complaint narrative:
I received a call from a scammer who posed as a Bank of America employee. The person induced me into believing my account had been hacked and fraudulent charges were being made. The scammer then had me verify codes that were sent to my phone and used those to change my account password and initiate a wire transfer. The Scammer then advised me that he was setting up fraud alerts and that I needed to reply yes to one and no to another. The text came in and I replied yes believing this was a test fraud message from a Bank of America employee. I was induced by false means into replying yes to a fraud alert asking if I authorized a wire transfer, which I did not. Under regulation E if I am induced to authorize a transaction by fraudulent means then I should not be liable because I was scammed. I filed a claim with Bank of America and they denied my claim stating I authorized the transaction by text. However the authorization was obtained by fraudulent means.

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 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
I received an email on XX/XX/05 from Dynamic Recovery Solutions regarding a debt that DOESN'T belong to me nor have I ever heard of. I do not owe this debt at all. I have never heard of them, nor the creditor. I don't appreciate them emailing me or contacting me trying collect on a debt that DOESN'T belong to me or anyone in my household. I am a victim of fraud and have been for over 10 years. I typically keep my police report up to date and I have fraud alerts all over my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY

Complaint narrative:
On @ XX/XX/2022 I received a letter from moneygram stating they had a refund and that I had to contact them or the money would be sent to the state of ky. I have spoken to them 5 or 6 times over the next @ 4 weeks, each time they give me a different story. The letter is attached. The original reference number was closed by them and a new number issued XXXX. 
Please help get me the money ( {$3900.00} ) they say they owe me. 
Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Citizens bank one for buisness abs one personal police report was given and the person of interest has a warrant waiting to be caught .. the bank have the perpetrators info about my account with out passing security answer correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Recovery Corporation
State: MD

Complaint narrative:
A notice of cease and desist, as well as a certified proof of contract was sent to Capital Recovery Corp. on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me everyday a couple of times a day, since the date listed on the notification letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX unauthorized inquiries on XXXX XX/XX/XXXX : -XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax notified the apartment community of my credit report. I was declined to rent due to two large accounts turned over to collection agencies appearing on the Equifax report. 
One - XXXX XXXX XXXX in the amount of {$2700.00} and the other was XXXX XXXX XXXX in the amount of {$5000.00}. Since I submitted my disputes on XX/XX/XXXX, XXXX XXXX XXXX amount of {$5000.00} has been deleted/removed off of my report. However, I received notice from Equifax they needed to extend the time to reinvestigate ( to XX/XX/22 ) the collection from XXXX XXXX XXXX. This is outrageous! XXXX has cleared all these bogus accounts that I did not open. I don't understand why this is taking so long with Equifax. I am XXXX on a friends sofa waiting to get approved to rent at a HUD housing community. Can you please check into this for me? I understand CFPB has help many others and I hope to be another success story. One last important piece of information, there are several people that have stolen my personal information ( CA ID, Social Security number, birth date, full name, where I was born, and employment history ). 
There are so many inquiries on my report that I never initiated. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been receiving promotional physical mail for credit card approval from Capital One bank for years. And throughout the years, Ive called to remove my name and address from their list. I continue to get mail which I shred and throw away. This mail has all my personal information on it, along with a reservation number, bar code to easily apply for a line of credit online-a fraud 's dream. I am now moving out of my current residence. I call again today ( XX/XX/1922 ) Capital One again and plead with them to please remove my information from their database. They said it takes 45 days for that process to complete. When I said that Ive attempted to remove my name and address in the past and it did not stop mail from them, they advised me to " monitor my credit report ''. What type of operation puts the responsibility on the individual ( I am not a consumer of their products ), in the event they get scammed? I am requesting for this company to be held accountable for their role in persistently sending unwanted, unsolicited mail to individuals who've made attempts to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Contacted EQUIFAX on XXXX at XXXX pm went through all the prompts and verification once rep came on the line asked if I could be mailed an election form which pursuant to 15 USC 1681b I can elect to have my name and address excluded from any list provided by a consumer reporting agency I was told to hold on only to be put back into the que so I hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I have made multiple calls into the care center trying to resolve a payment issue. On XXXX my auto payment of XXXX was made but the escrow account had been adjusted so the payment was now short by XXXX. I sent that payment in on XX/XX/20 when dealing with the mortgage company as requested and thought it was good. I have never missed a payment or had a late fee as I pay extra every month. I now pay {$1800.00} a month to cover all issues. Despite calling multiple times the issue is still not resolved and I get a late payment every month for the last 3 months and get calls from there collections agency despite paying extra every month and calling in every month.

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 2022-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Informed this debt collection company that my only source of income is social security. On XX/XX/2022, I received a document from this debt collection company labeled ( XXXX XXXX ), suggesting this is an official document.I also asked this collection company to provide a detailed amount of this debt of which they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: PA

Complaint narrative:
WITH DATE XX/XX/2022 I SEND MONEY TO THE COUNTRY OF XXXX {$620.00} ; WITH A VALUE OF {$9.00} IN VALUE CHARGED FOR AN EXPRESS TRANSACTION THAT IS TO SAY IMMEDIATELY, IN THE REMITLY PLATFORM THEY INDICATE ME THAT THE FUNDS WILL BE DELIVERED ON XX/XX/XXXX AT XXXX, WHICH DID NOT HAPPEN. 
on tuesday, XX/XX/XXXX, i called the REMITLY COMPANY TO CANCEL THE TRANSFER WHICH WAS CANCELLED WITH AN E-MAIL TO MY E-MAIL XXXX AT XXXX AND THAT MY MONEY WILL BE RETURNED WITHIN 10 BUSINESS DAYS. 

MY SURPRISE IS THAT TODAY XX/XX/2022 I RECEIVE A MAIL FROM REMITLY WITH TRANSFER NO. 
XXXX, THAT THE FUNDS WERE DEPOSITED TO THE ACCOUNT I REQUESTED TO CANCEL YOUR TRANSACTION. 

I PROCEEDED TO CONTACT THEM BY TELEPHONE AND THEY TOLD ME THAT THEY CAN NOT REQUEST THE RETURN OF SAID MONEY AND THAT THEY DO NOT HAVE A TOOL THAT CAN GIVE ME A SOLUTION TO MY REQUEST. AND THAT THEY ARE VERY SORRY THAT THIS HAS HAPPENED AND THAT THEY SUGGEST THAT I CONTACT THE PERSON WHO RECEIVED THE MONEY AND SEE HOW TO SOLVE THIS DEPOSIT. 

FOR THIS REASON, HAVING HAD AN INADEQUATE RESPONSE, BY IGNORING NOT TO CONTINUE WITH THE TRANSACTION, I REQUEST YOU AS THE GOVERNING BODY OF THE FINANCIAL INSTITUTIONS OF THIS COUNTRY, TO TAKE THE NECESSARY MEASURES IN ACCORDANCE WITH THE LAWS AND REGULATIONS ESTABLISHED AND THAT THE COMPANY SHOWER MAKE THE RETURN OF MY MONEY SENT ABROAD WITHOUT MY APPROVAL. 

GREETINGS, Translated with XXXX ( free version )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Commenity bank 's website went down sometime in the last two weeks of XX/XX/2022. I was unable to login and retreive account information. About a week later, that issue was resolved and I was able to view most of my account information online. On XX/XX/2022, my first transaction was declined. I figured it was due to their ongoing site/conversion issues and did not use my card for a few days. I have tried to use my card several times up to today 's date - XX/XX/2022 and the card continues to be declined. I do not have a balance on my account and have a credit limit of almost {$18000.00}. I have tried to call in to the customer support number but each time, I get a message that tells me customer support is closed. My calls are during normal business hours. I have tried to call mid-morning and mid-afternoon but get the same message each time. Additionally, I am unable to redeem rewards during this outage. This disruption of business has lasted longer than three weeks with no word from the bank on when it will all be corrected. I have also submitted a message to the bank about the matter via their online messaging system but have not yet received a response.I have several XXXX of dollars in cash back credits that I'd like to use but am unable to do so if I can not use the card to make purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 
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 instructions

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 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In the month of XXXX I became a victim of fraudulent transactions. These unauthorized transactions were placed onto my checking account with Wells Fargo. Usually notifications of all transactions are immediately sent to my phone, but for these transactions no alert was sent at all. I called Wells Fargo to dispute these transactions which totalled {$1000.00} dollars. I asked why was I not sent any alerts on these transactions and they could not explain why, but they provided a temporary credit to my account until the investigation was complete. I declared that I did not authorize those transactions and thought my account would be protected, but I was let down. My bank sent notice when the investigation was complete stating I authorized those transactions, which is completely not true. The credit that was issued has been removed and I am held liable for unauthorized transactions which should be reversed. Please help with ensuring the bank does the right thing and issue the rightfully due credit to my account, I am not a fraud.

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 2022-07-20 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with XXXX XXXXXXXX Bank XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from 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 non-monetary relief
Consumer complaint received 2022-07-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with XXXX XXXXXXXX Bank XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.

Company response to consumer: Closed with explanation