vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For XXXX  BofA did not send my RMD for an inherited IRA from my XXXX  father. Now BofA is saying they can do nothing to adjust or correct this matter. This is clearly a BofA mistake............... We have received normal payments until now.

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 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I did send in a report to CFPB along with proof telling them of the fraud and theft identity that I went through and they open an investigation which was done with in XX/XX/XXXX along with XXXX, XXXX, XXXX, XXXX XXXX and Federal Trade Commission. 

They all admitted there was a fraud and it wasnt my fault but Well Fargo did a deduction of {$2600.00} that was deposited into my account and said that the investigation came back that I dont owed them 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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have photos of all these scam charges in my heart I wanted to believe this was true but as soon as I realized I reported to PayPal right away. First they claimed I got half of the money back which was XXXX but then they told me yesterday it was redebited I have an old statement. With this credit balance but every time I called I have heard different stories all lies. I think they are worse than the scammers who take advantage of people. Terrible feeling and horror for me but they dont care at all.the account number I gave you was the old account where the disputes were made but they were still scams. My heart is breaking and I am horrified. I dont know the new account number by heart. But I hope they dont give you stiries I got it seems like half the money but nothing was ever credited to my new account all I have is the statement I sent you I I screen shorted I hope all the charges some say refunded or cancelled but was never refunded anything not by transferring to the new account a paper check absolutely nothing I also have concerns for even the one statement here says what it says I never had any of this back in my possession then they said the dispute did not go in my favor Im crying for if you look at all the XXXX  is more like over XXXX something. I just cant walk away from this. Also it seems strange they could not transfer the money they said I got back but means nothing since I never had it. I also think they are scamming me as bad as the scammers we cant let this test for it is too much money. Scammers are going to jail forever and they need to be but I need my money first. But when you contact the old account number is what you have .. they said it was closed but I dont believe that for how could you add or minus money from a account that doesnt exist. But according to the PayPal credit statement it says a credit of XXXX went into the account that was closed. Unless this statement was from the scammers but after the 5 bad charges according to that statement came off it says negative. This is all too crazy I can not talk to them anymore for it is always more lies and phony information

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC
State: MD

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2023 I received a wire request from what appeared to be my real estate attorney 's office for funds due on a closing. It was fraudulent. Once I realized what had happened about 48 hours later I went straight into my local Wells Fargo branch office and explained what had happened, showed the girl all the paper work even showing what bank account to which the money went. They launched an 'investigation ' but have offered no updates and when I call about every two weeks to check on it I just get told that it is still under investigation and no guarantee I will get my money back. This was over {$6000.00} that I lost. My bank is doing NOTHING to help resolve this.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was sent an email about earning extra money by using affiliate marketing by a company names XXXX XXXX. They advised me that I could withdraw my money at anytime and supposedly anyone who clicked on the site had to pay a fee and the fee was placed in my account with the company. I attempted to withdraw my earned amount and my payment of {$5000.00} which was charged to my credit card. When the company refused to give me by money back, I contacted Fifth Third Bank my business credit card holder. I requested paperwork from Fifth Third Bank to dispute the charge and an employee refused to send me any paperwork. This company was a scam and the phone number on the charge XXXX is located in XXXX according to XXXX I was also charged an international transaction fee of {$150.00}. If the company is in the XXXX. there should have not been charged an international transaction fee. Fifth Third Bank refused to assist me with this dispute while refusing to send me dispute paperwork. This transaction was never investigated by Fifth Third Bank. I want my dispute investigated and my {$5100.00} returned to my credit card for failing to investigate this charge. I have never made an international transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted the credit bureaus multiple times and all of them except Transuninon and resolved the issues. It's going on 90 days that I have been trying to remove an unauthorized XXXX  XXXX from my account and it is still there showing open with a high balance that is affecting my credit rating. This issue is causing server damage and it needs to be resolved ASAP.

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 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OR

Complaint narrative:
This was a long time ago so my memory is sketchy. In 2014, I think, I bought XXXX phones under a 2 year contract from a XXXX store. I made regular payments and finishing the 2 year contract and stopping my automatic payments. XXXX then came back and claimed I owed them another near {$400.00}. I disputed this and asked them over the phone for the original contract document to verify their charge claim. They said they send them. They did not. They continued to contact me with calls and increasing bills up to around {$600.00} after I'd canceled my phone plan with them. I went into their satellite and corporate store to personally ask for the contract documents. They informed me they did not have them there and could not access the digital copy but that they would retrieve them and contact me when they were available. I never heard from them and the bills and calls stopped. At least I think. I do not answer spam and scam call from unknown numbers so I can't be certain they tried to contact me further. Then, XXXX weeks ago I saw an attempt from a collection agency, JEFFERSON CAPITAL SYSTEM, to collect the Sprint charge claim. I tried to contact them but with XXXX callers ahead of me I did not wait the necessary hours to finally, hopefully communicate with a person. If JEFFERSON CAPITAL SYSTEM can produce the original purchase contract and my history of payments with which I can verify I in fact do owe the charges I will make an immediate payment. But I will not be threatened to make payment nor have my reputation and good credit rating XXXX further damaged by money hungry corporate entities. Reputable businesses, no matter how large, must keep and make readily available, accurate transaction records and contract documents or they risk being at fault when filing claims. In this case, and until those documents are produced, I refuse to pay any amount when XXXX, has multiple times agreed to produce them, but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to file a formal complaint against Wells Fargo Dealer Services ( WFDS ) for violations of the Fair Credit Reporting Act ( FCRA ), specifically sections 12 CFR 1006.34 and 15 USC 1681-S2 ( 7 ) ( A ), as well as my rights as a consumer under the FCRA and other relevant laws. Additionally, I am a victim of identity theft, further complicating this matter. 

It has come to my attention that a collection agency, acting on behalf of WFDS, has placed a collection account on my consumer report without providing the necessary validation information as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, the collection agency has proceeded to report this account, depriving me of the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Such actions by the collection agency constitute a clear violation of my consumer rights and the provisions of the FCRA. 

Furthermore, it is evident that the collection agency has engaged in misleading, misrepresentation, and deceptive practices, which are expressly prohibited by law. This not only undermines the integrity of the credit reporting system but also infringes upon my rights as a consumer. 

Additionally, the collection agency lacks the authority to furnish any account to consumer reporting agencies without providing the requisite disclosures, as stipulated by 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Their failure to adhere to these legal requirements further compounds the issue at hand.

I hereby request that the Consumer Financial Protection Bureau re-investigate these accounts and verify their accuracy. I also request full debt validation, including the purchase agreements between WFDS and the original creditor, to be provided to me for my records. 
Furthermore, I remind the Consumer Financial Protection Bureau of its obligation under 15 USC 1681i to conduct a fair and thorough investigation into the matter, rather than placing the burden solely on the furnishers of information. 

the following item ( s ) To be FRAUDULENT Fraudulently REPORTING WELLS FARGO Account Number : 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 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
In XXXX I opened an account with Santander Bank I deposited a XXXX dollar check. Ive been getting so much different information about my funds being available and four months later still have not received my funds. Santander has been holding my check for four months now with no accurate information. For the last time I entered the branch today which they told me to do when I called today to receive my money and they still have given wrong and mislead information on receiving my check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal 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 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
12 CFR 1006.34 ( D ) : This regulation mandates that consumer reporting agencies must provide a notice of dispute to the furnisher of the information within five business days.I must highlight that I did not receive the notice within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
I have read the terms and conditions of all of my credit accounts and have learned they will not share my non-public personal information ( per 17 CFR 248.3 the definition of non-public personal information includes personally identifiable financial information, which is account balances or transactions ). I have contacted the companies in which I have accounts with and have asked to opt out of any disclosures of my non public personal information to non-affiliated third parties. The protections of 17 CFR 248 require a clear and conspicuous opt out opportunity for the disclosure of Non public personal information, which I did not receive. Of course, where these laws overlap, the Fair Credit Reporting Act supersedes these laws. The definition of a Consumer Report per the Fair Credit Reporting Act is : any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living and specifically does NOT include transactions and/or balances. XXXX obtained this information in a non compliant disclosure of my information and I requested they remove this specific information from their systems and my consumer report and they did not comply.

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 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NY

Complaint narrative:
I stayed at a hotel ( XXXX XXXX XXXX ) from XX/XX/XXXX - XXXX, 2024. The hotel made a mistake on XX/XX/year> which caused my card to be charged over {$1000.00}. I called management and they attempted to resolve the issue and gave me some credits. The following day on XX/XX/XXXX, I extended my stay XXXX extra days ( XXXX ) which should have costed {$290.00}, however they charged my card {$290.00} AND XXXX payments of {$140.00} which total the same amount. 

At first, the XXXX XXXX XXXX claimed that they understood and can see I was double charged. I spoke with two managers ( XXXX and XXXX XXXX as well as a XXXX XXXX XXXX over the phone ( Claim # : XXXX ) then I had told me that they needed to speak to accounting and the general manager ( XXXX XXXX ). I followed up for XXXX weeks with no response until management told me that I needed to speak to a specific manager ( XXXX ). I called for an additional week and left messages, and he did not return my call until XX/XX/year>. XXXX ( manager ) then made up a story saying that he has no idea what im talking about and that he UNDERCHARGED me on XX/XX/year> so that is why they charged my card several times even though that is not true. I noticed that they tried to edit and fix my hotel bill to show the charges as if they were supposed to charge the amount. 
I contacted my bank XX/XX/year> whom I have called several times during this process in which I spent an hour on the phone with them explaining what happened and they were so sure that I would win my claim and I provided all the evidence that I could. CHIME ( Bank ) gave me a temporary credit. 
They closed my dispute and said there was no error and charged my card the {$290.00} AGAIN, even though it was clear that I was charged twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm asking you to remove these unauthorized requests from my credit report without delay. They've caused considerable distress, and I sent evidence of their authenticity. In this matter, please hurry up your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I consistently make payments on time for this account, which makes me extremely anxious to see incorrect late payment records. I have always kept my word to pay within the time limit. The impact of this error on my mental well being is significant, which affects sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2024-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
My XXXX XXXX  opened this credit card without my knowledge. Telling me it was a payment plan. When I realized what happened, I had them reverse it but there was a {$40.00} late fee which these refused to pay. Informed Comenity Bank who has now sent me a bill for {$590.00} in late charges

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau : I am writing to file a complaint against American Express for failing to honor the welcome offer for a credit card I opened on XX/XX/XXXX. 

The specific offer I was promised was the welcome offer of XXXX membership points after spending {$3000.00} in the first 6 months of card membership ( account opening ). I met all the requirements of the offer by spending more than {$5000.00} in the first 3 months. However, I have not received the promised bonus points/travel credit/etc. 

I have contacted American Express on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try to resolve this issue, but they have not been helpful. I also spent time on the phone calls to contact American Express customer service for resolution but nothing was done to make things better. I have attached copies of my communication with American Express as documentation. 

I believe I am owed XXXX XXXX XXXX XXXX ( or {$600.00} when valued at XXXX XXXX  per point ) in compensation for the unfulfilled offer. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My identity has been compromised since before 2008 when I was XXXX  for XXXX XXXX  and people were opening accounts in my name and it has not stopped since. I really noticed the extent when I went to file taxes and they said someone already filed in my name. Also XXXX benefits, and who know what else that I have-not found or seen yet.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My identity has been compromised since before 2008 when I was XXXX XXXX XXXX XXXX and people were opening accounts in my name and it has not stopped since. I really noticed the extent when I went to file taxes and they said someone already filed in my name. Also XXXX benefits, and who know what else that I have-not found or seen yet.

Company response to consumer: Closed with explanation