vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 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: WI

Complaint narrative:
Hard pulls on credit

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 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: MI

Complaint narrative:
On XX/XX/XXXX there were fraudulent charges made on our credit card. An account was set up with automatic payment to XXXX for {$78.00} weekly to deliver food. Other fraudulent charges were also made. We finally resolved the issue with the credit card in XXXX and got those charges credited back. This was difficult to do as the credit company kept issuing new credit cards and allowing the new numbers to be given to the automatic pay for the XXXX account. We were told that even if we close the account, the dinnerly company can still charge us on the credit card. 
In XXXX we were charged with a {$110.00} charge from XXXX that is also a fraudulent charge. We reported that on XX/XX/XXXX. The Charge was supposedly made on XX/XX/XXXX. The credit card company gave us a provisional credit on XX/XX/XXXX and then reversed the provisional credit on XX/XX/XXXX. My credit card statement for XXXX has a provisional credit for {$110.00}, a charge ( dated XX/XX/XXXX ) for {$110.00}, and a reversal of the provisional credit for wordpress for {$110.00}. Thus I have been charged 2 times for the fraudulent charge. 
I am unable to convince the credit card company that this is a double charge of a fraudulent charge. 
I had a representative from XXXX insurance on the line with me for over 3 hours today to try and straighten this out. We spoke to 6 different people, none of whom could explain what the charges were for. One person actually told me that the reversal of the provisional credit appears as a debit on my account but that is is not a charge and not added to my balance. There is not one person who can help us clear these charges. 
I have personally spent over 80 hours on the phone since XX/XX/XXXX trying to get fraudulent charges taken care of and we still have no resolution. The company has NEVER returned a phone call, even when they say they will and say they have record that they did. I searched my phone calls and there is no call from them. 
As of right now, someone is going to look over the account ( after 6 people already have today ) and determine what happened. Supposedly someone MIGHT issue a credit. I have asked to be called, emailed, and a letter in writing that this account is zeroed out. The account has been closed since XX/XX/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 2022-12-16 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: IL

Complaint narrative:
On XX/XX/XXXX I called Equifax because I noticed unauthorized inquiries on my report. I gave the rep a list of all of the inquiries that I had no recollection of applying for credit. I also informed the representative of the Fair Credit Reporting Act that requires all unverified and unauthorized items must be removed from my report. The rep told me that there was nothing he could do and that inquiries would be on my report for 2 years. 

XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX  XXXX. 
Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a customer of Wells Fargo since XXXX and I have been a victim to a cyber attack. 

The morning of XX/XX/XXXX I logged into my Wells Fargo Account and noticed 4 unauthorized XXXX transfers totaling {$2100.00} The amounts and details listed for the XXXX activities were : {$500.00} to XXXX  XXXX, {$660.00} XXXX XXXXXXXX, {$500.00} to XXXX XXXX, {$490.00} to XXXX XXXX. I did not authorize these transactions and neither did my husband who is also an authorized user on this account. I immediately hopped on a call with Wells Fargo customer service and they canceled my old account and opened a new one. I was sent a new debit card and checks as a result of this happening. Initially it felt like Wells Fargo was working on canceling the XXXX transactions, to later learn that my claim was denied. 

I have since opened a case with my local Sheriff department and submitted a complaint with the FBI : XXXX XXXX XXXX XXXX. The letter I received as part of my case being closed was very vague and does not give any insight on what Wells Fargo did to investigate this issue. Our research shows that the transaction was made through a secure online banking session ... What was the research conducted? What is a secure online banking session? ... by you or someone you had your authority ... Apart from my husband and myself no one has the authority to make transactions on this account. Neither my husband nor myself has authorized these transactions ; as mentioned while opening the case, these transactions are fraudulent. ... no other processing errors occurred. How would processing errors affect the authenticity of the transactions? ... based on this information, we determined the transactions was authorized To reiterate, these transactions were not authorized. After I sent my physical letter ( everything that was written above ) to Wells Fargo they denied me once more, on a letter dated XX/XX/XXXX stating that someone who was authorized made 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 explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bepensa Capital, Inc.
State: VA

Complaint narrative:
The company and I agree to a payment of XXXX when the car was repossessed I paid {$500.00} was going to pay in payment for the repossessed fee will be applied every month and I needed to pay XXXX extra a month. now they are reporting on my credit report that I am XXXX days behind with a XXXX balance I tried to talk to them to correct this and they still have not my car was damaged in the repossessed process and they still haven't done anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 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: GA

Complaint narrative:
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. 

These accounts have violated my rights ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

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 2022-12-16 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: TX

Complaint narrative:
Incorrectly reporting information to credit bureau and not in a timely fashion. Reported no activity to Experian for the month of XXXX when balance was paid and there was a XXXX balance. Then updated for XXXX to XXXX when balance was XXXX. Multiple times XXXX XXXX XXXX has not reported payment and balance information that I have had to call and resolve after many many attempts and complaints. My credit score is inaccurately reflected and this is multiple times now that I have to call and dispute to get resolved in which they require me to send a mail to them with my credit report and the error which I shouldnt have to do because its their fault. Also I submitted a dispute with Experian about the inaccuracy and XXXX still doesnt respond to the dispute with ACCURATE information AND Experian isnt following up on the innaccuracy of the report. I made a complaint with Experian that XXXX was incorrectly reflected for XXXX and they closed the dispute without making any changes. I was going to buy a car today and their inaccurate reporting has caused my credit to drop and therefore higher interest rates.

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 2022-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied for a mortgage with Wells Fargo and never agreed to allow sharing of my information but Wells Fargo has shared my personal information and I have been receiving non stop phone calls from other lenders

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 2022-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have been dealing with synchrony bank for a year. During a home loan a sewing and more card showed up on credit. I was going to be denied for mortgage so I had to pay it and report it fraudulent. They have taken a lot of the money off due to fees but still owe me XXXX and will not give it back. They keep telling me different stories and finally told me no. It's started as a card called XXXX something and that's the original number that's on the following page. It is XXXX. They sent me another card and account number after I reported it fraudulent. Not sure why but this is the other account number XXXX. I had positive balance of XXXX then they took fees out of that abd got it down to XXXX. I want all money I paid out as well as compensation for all my troubles. I've lost XXXX in work worried and communicating back and forth over MY MONEY. I've talked with XXXX lawyers and they assured me they could get money back plus some but this would be faster. They also have in XXXX on my statement that they sent me a check its posted as " customer settlement '' in XXXX for XXXX but never sent it out. They are trying to keep my money.

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 2022-12-16 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: CA

Complaint narrative:
Hi, i am the living breathing man XXXX. i hereby am filing a formal complaint against XXXX XXXX Credit Card, for violating my consumer rights under the authority of the fair credit reporting act in an extension of credit transaction. XXXX XXXX credit card furnished my non public personal information to XXXX, XXXX and Transunion without my written consent which is enforced under the Fair credit reporting act and the Gramm leach Bliley act for my rights to privacy. Furthermore, i would like the inquiry removed from all credit reporting agencies immediately. I am aware my consent is required for such information to be furnished. I do not give consent or power of attorney to act on my behalf to any party above-mentioned. Please take notice XXXX XXXX, Transunion, XXXX, and XXXX can be held civilly and criminally liable. This is my good faith attempt to resolve these matters. 

XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved SEAL

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 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
As stated on XX/XX/2022 per complaint number XXXX Midland Credit Management contacted me saying they will Cease and desist contacting me. But on XX/XX/2022 They sent yet another threatening letter. They are frightening me. I lost hours at my job I'm a XXXX mom of XXXX this is causing stress that they are not following laws set forth by congress or by your CFPB v Encore lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
{$230000.00} Tried to wire money from money in account! 

They called next day wire had been stoped! 
All my accounts are closed All credit cards canceled All loans closed All debit cards closed 22 years service No bad checks Paid loans on timel

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: GA

Complaint narrative:
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. 

These accounts have violated my rights ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2022-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I dont agree with their decision and documents provided by them i lost money and didnt help me they are very cold

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 2022-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Apex Processing
State: MA

Complaint narrative:
I was scammed by a company by the name of 'Apex Processing Center '. They had called me towards the end of the day to immediately call them back while I was on my way home from a very long day work. They were very convincing since they already had most of my information, including my SSN, which I had never given.They had me agree to sign a XXXX XXXX XXXX XXXX ' to pay back my student loans, which would have lowered mine from {$27000.00} to {$13000.00}. They also claimed to have found 8 separate loans and merged them into one new loan from the XXXX XXXX XXXX. I would pay this back over the course of 240 months, being charged {$160.00} for the first XXXX months, then {$53.00} for the remainder after that, and would be charged on the XXXX of every month. They also said I would have to recertify every year. They had also charged my bank account an additional {$500.00} through a different entity that I had never agreed to.I had also gotten an email from XXXX to my work email address, which I had never given them. They had also changed the password for my XXXX account. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX of 2022 a fraudulent charge appeared on my Wells Fargo checking account. On the same day XX/XX/22 I reported the fraud to Wells Fargo and asked that they close the account ( attempt XXXX ) they informed me the pending fraud MUST be addressed prior to the account being closed, which would take XXXX days. I waited the XXXX days, when Wells Fargo notified me that the fraud was not posted, so they finished their investigation. At this time I called the bank to close the account ( attempt XXXX ) and I was told there was a pending charge, and they referenced the prior fraud charge, which I told them had been addressed. I got XXXX different responses ; XXXX ) The is the SAME fraud as before, and it should not have been closed. XXXX ) It was fraud again on the same account, same amount, XXXX days later. I don't know what statement is true, but I was unable to close the account again. I waited for the fraud to be investigated again, and then on XX/XX/22 I made an appointment with XXXX XXXX at Wells Fargo to close the account ( attempt XXXX ). I let him know about the fraud and the issue, and he assured me he would be able to provide me the available balance of my account, and close the account same day. He told me the account would be closed, XXXX days later I received an overdraft notice, and understand the account was NOT closed out, and now additional fraud charges and fees are adding up on the account. Wells Fargo has not address the issue at all, and this is becoming unnecessarily difficult to close an 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 monetary relief
Consumer complaint received 2022-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I noticed a credit card account from Bank of America on my credit report with an address that I do not now nor have ever lived at. I filed a complaint with XXXX report number XXXX on XX/XX/2022. Bank of Americas response was that they were reporting accurate information, which is absurd since the address on the account is in Massachusetts and I live in Ohio. I filed another complaint through XXXX report XXXX XXXX on XX/XX/2022 and received the same result. On XX/XX/2022, I called Bank of America directly and after being on hold for an inordinate amount of time, spoke to a representative who had no clue how to resolve this and ultimately cut me off the phone line. I did not open this account and I have never lived in Massachusetts and there is no reason that this account remains on my credit report other than the incompetence of Bank of America. I would appreciate any assistance you can give 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 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: MA

Complaint narrative:
This company contacted myself and four family members last evening around XXXX. They would not identify what type of company they were calling from and all they said is they needed to know my " location ''. They not once stated that they were attempting to collect a debt they just repeated the name of their company and would not answer what type of company this was to ensure my safety before advising my " location ''. Collectors should be calling to attempt to " contact '' a consumer, never to LOCATE them. I just left an abusive relationship involving a restraining order and the fact that this company called late at night and ALL of my family asking for my location made us contact authorities thinking it was related to this domestic assault situation. Even when I called today and stated it was me, they would NOT tell me what their company does or why they were looking for me ( again IE if they were attempting to collect a debt ) unless I told them my DOB and home address. Of course they were nasty on top of it, absolutely no customer service on their part which caused EXTREME distress and frustration on my end. They stated their script of stating they are looking for a consumers " location '' and calling multiple family members was provided by the CFPB so it was legal. This tactic is scary and inappropriate for the consumer, as you never know what a consumer 's situation is, just like my situation explained about above. I hope this never happens to another consumer or their family again.

Company response to consumer: Closed with explanation