vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK
State: MS

Complaint narrative:
I reached out via XXXX in an investment group I am apart of, i got several responses. had been in communication with a person named XXXX XXXX We spoke on the phone, and text about how his process works I requesting funding for fix and flip in the amount of $ XXXX I was then asked to fill out an application, then to send over bank statements which I did, ID typical loan request, The company then sent over an agreement and text stating Once I Sent over {$1700.00} and sent them proof of wire confirmation which was done on yesterday XX/XX/2023 they would wire me $ XXXX shortly after that did happen I then was told by company they needed to make sure the funds hit their account then around XXXX XXXX the person inboxed me through whatsapp which before we were only communicating via phone or cell text. they started i needed to pay {$17000.00} insurance fee to get the funds, however they wound up sending the $ XXXX through an app called XXXX which i never heard the bank info on the agreement and where we sent the funds to was a domestic account through XXXX XXXX. once I told him i am sending any moe money he cancelled the transaction through XXXX, and then he texted me saying getting money from me was too easy and to call the fbi, he said he wasnt giving my money back although he has agreed to, I called the bank about 20 mins ago and spoke to a lady who said there was nothing they could do because the funds already left my account, I am requesting for my bank to request thefunds back from XXXX due and flag this guy as a scammer. the wire was sent to XXXX XXXX XXXX with XXXX XXXX, person name is XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
i recently found some inquiries that arent mine on 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 2023-06-27 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
The summary of this complaint is about the troubling experience that I am having with the Goldman Sachs administered Apple credit  card. It raises questions about systemic problems about Goldman Sachs account management practices, which are negatively impacting consumers like me. On XX/XX/2023, Goldman Sachs restricted me from making any purchases on my Apple credit card. There was no notification via email, text message, call or mail to let me know that has occurred. The only reason why I became aware of the situation was when I tried to use my Goldman Sachs administered Apple credit card to make a purchase. Based on my online searches, there are many people over the years who have run into similar situations, where Goldman Sachs essentially froze their Apple credit card and where it failed to provide any notification via email, text message, call or mail. Once I became aware of this issue, I contacted Goldman Sachs on XX/XX/2023, to find out what is going on. They stated that it was due to some security issue but that they could not provide me any information for security reasons. Such as what caused the issue or how long it would take to solve the issue. Over the past couple of weeks, I reached out to Goldman Sachs to find out what is going. According to my web searches, there are many others who have had the same experience. In all my years, I have never come across a company as incompetent as Goldman Sachs, in terms of their lack of transparency that they say is in the name of security. One of my XXXX devices was financed on a monthly basis that I put on the Goldman Sachs administered Apple credit card, not knowing of their reputation with such issues until my recent web searches to see if others have had the same type of issue. The response of Goldman Sachs is that they stated in the contract that it is essentially their right to freeze accounts indefinitely and that they are not required to provide me transparency. This is in violation of US Federal, State of XXXX XXXX  ( where Goldman Sachs is based ) and State of XXXX ( where I am based ) consumer protection regulations. Goldman Sachs has failed to provide proper notice and it makes me wonder whether this is perhaps in retaliation for an application of refund for a XXXX XXXX that was less than {$12.00}, which I requested back in XX/XX/2023. Due to their lack of transparency and proper notice unlike other credit card companies, it is hard to know what is going on with the company and whether things have gotten out of control with the way they run their credit card business. As an Apple customer and shareholder, it is troubling to see what is going one with the Apple credit card under Goldman Sachs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I possessed a Financial loan from Wells Fargo auto from XXXX until XX/XX/XXXX when they unfairly repossessed me. They were recently sued for unfairly repossessing. Throughout the course of the loan I tried more than 10 times to change my payment arrangement date. Every single time I would sign the paperwork and mail it back in they would lose it. This is exactly why they were sued. I attempted to make a change to my payment date almost every month and they would never allow me to do so even though I followed the parameters of Wells Fargo 's forms and time frame. I am exactly entitled to the settlement of their recent lawsuit being sued for this exact reason. They're making it worse while trying to call them currently XX/XX/XXXX. They're trying to fight me tooth and now rather than pay what they owe for treating me wrong as a client and unfairly repossessing me while never letting me change the payment date for the entire term of the loan from XXXX until XXXX I requested a payment arrangement due date change almost every month and they did nothing. Exact terms of being sued. And then as I call them I meet with resistance with their specialty Department stating that I'm being written emails on their secured website Wells Fargo auto. A multitude of times I've attempted to create an account and am continuously denied the ability to start the account when I called Wells Fargo customer service I was told I'm not allowed to have an account because my car was repossessed. So why are they writing the emails that I'll Never See and their company knows that they're responding on their own website that I don't have access to and they will not gain me access? I am entitled to unfairly repossession settlement funds. And I hope that your company can help me resolve this. My car should have never been repossessed because the month that I was repossessed was like every single other month that they were unfairly tacked on late fees because I get paid twice a month working in XXXX and have tried to change my payment arrangement due date since the start of the loan in XXXX. Wells Fargo has practiced unethical business practices losing my forms and repossessing my vehicle and it's no wonder they were sued.

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 2023-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/2022, my name and credit card number were stolen. The card itself wasn't stolen. The Bank of America XXXX XXXX XXXX alerted us about possible fraud on XXXX XXXX. I looked at the transactions and there were several XXXX dollars worth of charges that I had not made. 

Another part of the identity theft/scam was that the thief was sending XXXX XXXX and XXXX XXXX people to pick up packages and take them to XXXX or another mailing service and send the stolen packages to them. We encountered 4 different delivery people including 3 on XXXX XXXX and intercepted 2 or 3 packages. I filed a police report on XXXX XXXX and even called them to the house because one of the XXXX XXXX people wouldn't leave. 

I talked to Bank of America fraud department several times. They refunded some of the charges we disputed. However, others weren't considered fraud because they were delivered to our house. I was out of town at the end of XXXX when they would have been delivered. I suspect the thief was using XXXX XXXX to pick up and send packages to them similar to what we experienced in XXXX. Some of pending charges were to businesses that I have never patronized. These pending charges are from the same companies that Bank of America has canceled. I don't understand why these are different. 

I haven't heard from Bank of America since XXXX regarding the claim. Online it says the claim is active, but they haven't updated me. The credit card company has started to charge us late fees and interest on the pending charges that I disputed.

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 2023-06-27 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: Chime Financial Inc
State: NY

Complaint narrative:
Multiple disputes filed with my financial institution Chime for transactions that weren't authorized. Multiple times I have called to dispute unauthorized transactions on my account to only be told that the transactions were authorized a d I had lost the disputes. No information is provided how they determine the transactions were authorized. I can promise you they were not and I never recoup my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: LA

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: DISCOVER BANK
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, DISCOVER BANK, XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXXXXXX XXXX/ XXXX, DISCOVER BANK / XXXX, XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: KY

Complaint narrative:
XX/XX/XXXX I was contacted by XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX stating I was approved for a loan of {$3000.00} which I was looking at for medical. We went over the information and then it got hinky. They requested ( 5 ) reversals on my bank acct totalling {$640.00}. He said not to worry about those, they weren't important. Said they had to connect their bank to my bank to transfer the loan. Kept saying the money would be there shortly - never arrived. Then said he had been to the doctor and was going home, we would finish tomorrow. DID MORE RESEARCH! 
XX/XX/XXXX He contacted me this morning and wanted me to transfer {$630.00} via XXXX  then Western Union. I asked why and he stated that this was how the {$640.00} would be recovered to my account. He walked me thru the process and had me wire the {$630.00} to XXXX / XXXX XXXX. When I ask why XXXX he replied it was to avoid a {$150.00} charge from the US. Informed me the {$3000.00} would hit my account in @ 30 min - never deposited. I contacted the local XXXX XXXX when it opened and they found no loan application with my name on it - non existant in their records. 
Now I sit here in a very panicked state, surviving as a XXXX Veteran on not enough XXXX  to survive on and owing {$630.00} to my bank. 
I have completely closed the account- too little too late. I also have emails w/documents WU tracking XXXX XXXX Loan ID # XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was only browsing through the credit card benefits but never submitted an application. Chase checked my credit score without permission and kept sending documents to fill out the rest of the application, which was accessed by mistake. Although I asked them to cancel everything they did not follow through, and when I called the second time they denied application instead of acknowledging that this application never really has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I mobile deposited a check on XX/XX/2023 for {$2100.00}. They put a hold on the check and did not deposit the funds to my account. Then Chase, without warning, closed my account. They sent me a check for the amount of funds in the account but not for the check I had deposited that they were holding. They have withdrawn the funds and they have cleared from the check issuer 's bank but they will not release them to me or back to the check issuer. Chase says they need to verify a phone number with the check issuer business. They said they can not verify a number but will not tell me how or what they need to verify the number. They are just holding the funds and will not release them to me or back to the check issuer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
Called XXXX ( DISCOVER ) to cancel card. Clerk refused simple closure request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Tried by company several times no statements ever sent went back to furniture store to tell them they couldnt find my account called again girl on phone couldnt find account and then it appeared on credit bureau as defaulted and I tried to clear it up for over 2 years

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 2023-06-27 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: MO

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. 

XXXX, XXXX XXXX- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX- XXXX XXXX, XXXX, XXXX, XXXX, XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am Filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed, Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
1. Bread Loan denied my {$5000.00} Credit line without a proper reason, 2. also in this email they say in one paragraph, that i was and i was not approve which is very confusing, so when i called they confirmed i have not been approved and they made up an excuse that they were unable to verify my identity, although i offered to upload my ID and other proof of identity so they can verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
ON XX/XX/2022 WELLS FARGO FAILED TO PROTECT ITS ELDER CUSTOMER!! I AM A XXXX OLD WIDOW AND I HAVE BANKED WITH WELLS FARGO FOR OVER 40 YEARS AND HAVE NEVER WIRED MONEY TO XXXX XXXX I DONT KNOW ANYONE IN THIS COUNTRY. I RECEIVED AN EMAIL STATING I WAS BEING CHARGED FOR XXXXXXXX XXXX. I THEN CALLED THE NUMBER LISTED TO CANCEL THIS TRANSACTION. THE MAN NAMED XXXX XXXX THEN SAID HE NEEDED TO ACCESS MY COMPUTER TO CANCEL THE CHARGES. HE THEN SAID HE ACCIDENTLY WIRED ME MONEY ( {$35000.00} ) AND THAT I NEEDED TO WIRE IT BACK IMMEDIATELY. HE STATED IF I DIDNT I WOULD LOSE ALL MY MONEY. I WENT TO WELLS FARGO AND XXXX XXXX HELPED ME. HE ONLY ASKED ME ONE QUESTION IF I PERSONALLY KNEW XXXX. HE CLEARLY SAW HOW DISTRAUGHT I WAS BUT FAILED TO TAKE SECURITY MEASURES TO MAKE SURE THE WIRE TRANFER OF {$34000.00} WAS LEGIT. HE SHOULD HAVE CALLED MY DAUGHTER TO VERIFY AND HE DIDNT. I LOST ALL MY LIFE SAVINGS DUE TO THIS LACK OF SECURITY PROTOCAL. I HAVE SPOKEN TO A PREVIOUS CHIEF EXECUTIVE STAFF FROM WELLS FARGO AND SHE ALSO STATED PROPER SECURITY PROTOCAL WAS NOT FOLLOWED. XXXX AUTHORIZED A WIRE TRANSFER OF {$34000.00} TO XXXX. THIS TRANSACTION WAS FRAUDULANT. WELLS FARGO FAILED TO PROTECT ITS ELDER CUSTOMER. THIS IS ELDER ABUSE!!

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 2023-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
My insurance was supposed to pay for this remaining bill because I already paid my part but I dont know why the clinic keeps collecting charges or keep reminding me if I already paid my portion.

Company response to consumer: Closed with explanation