vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: NC

Complaint narrative:
On XX/XX/XXXX someone that either works at a XXXX store in XXXX XXXX or walked in got a Sim card and cloned my cell phone. Over the course of the next two days they proceeded to completely drain my account. I called the fraud on XXXXXXXX XXXX but it was too late. When I called in and made the claim, the woman said that I would receive a new business debit card in 5 to 7 business days and asked if I would like to connect my bank to XXXXle XXXX  so I can access the funds. I said OK. Unbeknownst to me and having never used XXXX XXXX before the criminals had connected my account to XXXX PXXXX  that day and that is why she asked me if I wanted to connect it. As soon as I agreed to that connection the new card was compromised and the fraud continued. The bank has denied the claim on the grounds that biometrics were used on the phone clearly this level of protection doesnt matter if the criminals have cloned the phone. I have spent over a month trying to get this sorted out it has taken me weeks to figure out what the criminals have done and on top of getting robbed I have been treated like a criminal by my own bank. I have gathered overwhelming evidence and they are just ignoring and denying. There are many more details I dont have room to provide herePlease help wells Fargo is going to hurt more innocent victims, their own customers by not being educated on this new fraud method.

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 2022-03-23 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: CCB Credit Serivces, Inc
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: MAJR Financial Corp
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Acima XXXX XXXX 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section XXXX States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. I currently work from home. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
I had to block the harrasments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Hello. My name is XXXX XXXX. My number is ( XXXX ) XXXX. I have recently been the victim of fraud by the Venmo application. You may or may not be aware of the Venmo application made by Paypal to send money from individual to individual using linked bank accounts and debit cards, similar to XXXX. 

Recently on XX/XX/XXXX, my friend XXXX XXXX was having issues with this application. She had {$300.00} in her account but was unable to utilize the instant cashout option to deposit the money instantaneously into her account for I believe a 1.5 % hit ( this is a service Venmo usually offers ). However, since it was unavailable to her and she needed money immediately, she sent me money through Venmo, I successfully was able to withdraw the money instantaneously into my bank account, I withdrew it as cash, and I gave it to her. I took the 1.5 % hit since I was the one utilizing the instant withdrawal service. 

This past weekend, I received an email from Venmo. I have attached it for your reference. We attempted to debit the disputed amount of a recent chargeback filed by your buyer, but you did not have enough funds in your Venmo account to cover it. Therefore, they froze my account and say I must pay them {$300.00} to recover my account. 

I spoke to this friend of mine - its my best friends sister who also happens to be on her way to becoming a doctor. She stated she did NOT request a chargeback and there is no money in her Venmo account. So they did not give her the money back and they expect me to also pay them {$300.00}. This is completely inappropriate. My friend XXXX has also stated she has been having problems with Venmo. This is a pattern. I am afraid that if I dont pay Venmo this {$300.00} that they do not deserve, that my credit score will start going down. Please help me to fix this situation. I emailed Venmo, replied to their email, I called, I chatted with their agents, and this problem has not been resolved. Everyone I speak to keeps saying they will escalate but I have not received any emails indicating any escalation. I dont know where else to turn. I believe Venmo could be doing this to others as well and want to make sure its isolated at the very least and not a pattern of fraud. Thank you kindly for looking into my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been a capital one card holder for almost 7 years. I have had remarkable success with my interactions with capital one staff members until recently ( 1 yr. ago ). My card was restricted XX/XX/2021 with no warning while I was in EXCEPTIONAL STANDINGS. I have always paid my bill on time, and I was often granted an increase in my line of credit. 

Once my card was restricted in XX/XX/2021, I immediately reached out to the fraud department. They advised that I send a copy of my drivers license and social security card. After 8 attempts, I finally was told they received it but now they needed a copy of my utility bill with my address showing. After going back and forth with multiple representatives, giving false promises that they will call me black after they receive a copy, and after sending my utility bill five times because the first four attempts were not a clear copy ( although they read everything to me, but they still needed a clearer copy! ) Finally, after capital one admitted they received all three requested documents on XX/XX/XXXX, I was advised by three different representatives ( last representative was XXXX XXXX ) he said he need my bank statement. Now this is going too far. I am an ACTIVE, GOOD STANDING CARD HOLDER why do I have to provide my personal bank statement. He was vague and would not give me a reason for requesting my bank statement. 

I feel completely disgusted with the service I have been receiving from Capital One. I do not feel valued, I feel like I am being taking for a ride. I am not satisfied with the service that I have been provided and I am requesting someone please take a good look at my current file and read the notes in detailed. I should not experience what I have been experiencing as a valued customer. I am requesting action and hopefully this will get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heartland Resolution Group, LLC
State: VA

Complaint narrative:
The Heartland Resolution Group called me from XXXX XXXX XXXX on XXXX around XXXX XXXX. My phone rang once and disconnected, so I called them back. They purport to be a debt collector company and alleged I owed a medical debt to XXXX XXXX XXXX. I told them I don't owe them or anyone any debt and none of my medical bills are in collections. They pressed me for personal information to " check my account " and I said no, and they hung up on me. I XXXX  them and they are a scam company that goes by the names Heartland Resolution Group, Heartland XXXX XXXX, and/or XXXX XXXX XXXX XXXX I called XXXX XXXX XXXX and asked them to check if any of my accounts with them are in bad standing or have gone to collections and they told me no, and that furthermore, they have no idea who the Heartland Resolution Group, XXXX or Heartland Group even are. I called Heartland back and let them know that I know they are a scam, fraud company and again they hung up on me. Read the reviews that are written about them online as it shows the extent of their con and fraud. They are basically conning people into setting up debt " payment plans ''. They keep the money you give them thinking you are paying off debt and do not give it to the real creditors. My outstanding bill with XXXX XXXX is around XXXX dollars and still in review with my insurance company so I have no clue how they even knew about it. I am reporting them to the Attorney General of my state for investigation. They are thieves of the lowest kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently checked my credit report and noticed a lot of inaccurate information that has been reporting to my credit. 

Accounts that I don't recognize are, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor, XXXX XXXX XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : FXXXX XXXX XXXX XXXX 

Also I found a few inaccurate addresses as well.

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 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Multiple Accounts on my report I do not recognize

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Multiple Accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
First the identity theft was after scam. I didn't know I was being scammed until the wire transfer was done. And I kept trying confront the person, the account that the money went to had nothing to do with customs, that's how I learned, it was a scam. After that the same person got a hold of my account information, trying to deposit a bad check. So learn the whole story before denying me anything. You did not investigate because you don't even have story correct. Maybe your involved in the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
My phone, license and debit card were stolen Sunday, XX/XX/2022. I got a new phone replaced and a new license ordered. When I called my bank they locked my account. I have gone back and forth with them via email and phone to get my account unlocked. They required I send my social security card in place of my license and a selfie with my card. I sent it several times and they keep asking for more information. I have called them numerous times and each time they direct me no where and now they have started to hang up on me. I have sent them all my info and now I am afraid it will be misused because they now have all of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Someone has my personal information and is using it to damage my credit by opening multiple accounts. I'm not sure what this is or what it could be.

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 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I have checking and saving accounts with USAA and no other types of accounts. I received a message that required me to disclose both my annual schedule income and net worth in order to keep access to my account via the mobile app. Absent investment accounts, which I do not have this is a violation of my privacy as I believe this info is only used to market me other products.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: GA

Complaint narrative:
I was scammed by erroneous rep who had hijacked a friends XXXX page. I dialoged with the erson under the guise of disguising she was My friend and introduced herself to me. Make an investment for a profit. After discussion and asking question abt the program I sent an initial XXXX  transaction of XXXX dollars. Then I was told there was a XXXX fee. I balked at that point but she said bcuz she did not relay the info she would pay XXXX of the fee. She then sent a website with an account page made for me with a XXXX profit. But I couldn't withdraw until paying the fee. So in all 3 XXXX pmts of XXXX each were sent to XXXX ( XXXX XXXX ) who was her manager. Whom she said she didn't want to get fired for not telling me abt the fee. After the last transaction I asked for the withdrawal and kept getting excuses. At that point I said I was going to contact my bank. She stopped communication. 
The company was supposed farm mining cloud and their were names of3men to contact via email which I did but didn't get any answers. 
I contacted Bank of America a d reported it. I received a secure letter from BOA stating they couldnt/would n't help me. They said they would contact the institution w/ the XXXX recipient Institution. They basically said it seemed futile and would take XXXX XXXX possible days. 
I am retired and on social security. This Was my savings. I felt and feel defeated and a fool. PLEASE HELP.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX {$25000.00}, XXXX XXXX XXXX Account # XXXX {$100.00}, XXXX XXXX XXXX {$370.00}. 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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The below are very erroneous and it is impacting my life my credit score. FCRA Section 623 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
In XX/XX/XXXX. 4 couples booked tours with XXXX XXXX XXXX, for which we each paid {$1900.00}. Then 2 months later, XX/XX/XXXX, Covid 19 was surging, XXXX had severe outbreaks and Americans were not allowed to travel there. 
Our payment ( Non-refundable ) was made in good faith with all intentions to travel. In late XX/XX/XXXX, when it was apparent that we could not travel due to Covid I wrote my XXXX billing ( paid through Paypal ) dispute department to request a credit for a trip that we were unable to take. They eventually found against me, because the company, XXXX XXXX XXXX was willing to extend our payment for XXXX. We still could NOT travel in XXXX. 

It is now XX/XX/XXXX, Covid continues to be a problem in XXXX, the XXXX XXXX XXXX is ongoing, we are XXXX years old and have been at a loss of our {$1900.00} for two years. 

I humbly request your assistence as a consumer who is being penalized for something beyond my control to get Paypal and XXXX to reverse this {$1900.00} charge made in XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The below are very erroneous and it is impacting my life my credit score. FCRA Section 623 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit report and noticed a lot of inaccurate information that has been reporting to my credit. 

Accounts that I don't recognize are, XXXX XXXX, XXXX XXXX XXXX Original Creditor, Preferred open XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX  XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ), Also I found a few inaccurate addresses as well.

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 2022-03-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: F.H. Cann & Associates, Inc.
State: NV

Complaint narrative:
The school that I attended, XXXX XXXX XXXX XXXX, has blocked me from ordering my official transcripts. They are saying I owe a debt from 2007 for a private University loan that was received. The total a little over {$3000.00}. However, when I went to go and check and verify the debt, the University has sold this debt to a debt collection agency. I've never received a letter or call from this agency, and I've also tried to contact them several times but no one has gotten back to me. The collection agency is called FH Cann. What's even worse, the University still won't release my official transcripts even though they've sold the debt. I don't know what to do. This is so wrong and very confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I have a hard inquiry on my account From Onemain Financial as of XX/XX/22 I have not applied for any type of credit. I have contacted them and when I get through to them they say the will connect me to someone that will help when the phone call is transferred it hangs up.

Company response to consumer: Closed with explanation