vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was a victim of a fraud and wired {$110000.00} from my TD bank account. I asked the bank to cancel the wire the next day and refund the money to me. The bank did not take immediate actions despite multiple calls and visits to the branch to alert them that this wire was a fraud. The bank is now claiming that the matter is out of their hands and they can not do anything further to restore the matter. 

The wire was sent through the branch in person on XX/XX/2022. I was threatened over the phone while I was making this transfer, I had my headphones on, and was talking to the scammer the entire time. The bank didnt warn me or ask me any questions and went ahead to process the wire. There was no call back from the bank to verify the legitimacy of the wire either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I been overdraft for years and I feel like I didnt deserve to be overdraft XXXX of dolors

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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.

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 2022-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
On Tuesday XX/XX/2022, I checked my Credit on XXXX XXXX and it shows a Derogatory mark. I was confused because I never had any type of debt with WAKEFIELD AND ASSOCIATES or anyone in general. I called them on their direct phone number and no one answered me. The Derogatory mark says " opened '' since XXXX. I never owed anyone and it is impacting my Credit score significantly. These people are scamming me and I need to get this resolved as soon as possible. It claims I owe {$940.00} but I have never payed or owed in that amount. The original creator is XXXX OF ALABAMA XXXX XXXX, I owe no one with this sort of money and I have never received any kind personal phone call or electronic mail or to my address. I am not sure how to dispute this, if i could be helped to get this resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2022 I received a virtual XXXX prepaid gift card with {$75.00} in value. This was sent to me via email. The email contained a link to their website which showed balance, transaction history, and the card number. I was able to spend about half of it over the next two days. On XXXX XXXX, 2022 I attempted to access the card number and balance through the link provided in the email. However, the site gave a " system error '' and instructed me to come back again later. Over the next two days, I checked periodically but received the same error. On XX/XX/XXXX, I called the company and was given a runaround for over 2 hours. They were unable to tell me why I could not access the information nor provide any estimated resolution time. As far as they seemed to be concerned, there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc.
State: CA

Complaint narrative:
I had a credit from XXXX that was sent to North Lane and they issued a refund Master card  on behalf of XXXX in XXXX. 
I called North Lane to let them know I found the sealed envelope with the card in it ( which had expired ) and I would like them to issue me a check. They said that the card had been activated and there is a XXXX balance now because they took monthly fees from the card balance. I asked when the card was activated and she could not tell me when. That they don't have record of that. ( XXXX XXXX at North Lane on XXXX ) I asked to talk to a supervisor and XXXX XXXX came on the line. I asked when it was activated and she said they don't activate the cards so they don't have records of it. I said who does activate the cards so I can find out when it was activated. She said I would have activated the card. I let her know I never activated the card so how could they start charging a fee? She THEN told me that the card was issued in XXXX and that when the card expired in XX/XX/XXXX at that time they started charging the monthly fee!!! 
This whole thing is a complete scam, the address they sent the card to was a combination of 2 addresses. How can they issue me a card on a refund without my consent and then take a fee on a card I didn't even have activated?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SLM CORPORATION
State: GA

Complaint narrative:
My login stopped working XX/XX/XXXX shortly after attempting to establish a link to an new external account. I wasn't able to call them until they opened on Mon, XX/XX/XXXX but they were unable to fix the problem. After waiting XXXX hours I called back on XX/XX/XXXX. They tried some other things but were still unable to fix the problem. The night of XX/XX/XXXX I was surprised to find that I could login, but my accounts ( a XXXX XXXX account and XXXX CDs ) weren't linked to the new login they had had me create earlier. The morning of XX/XX/XXXX the CDs were linked to my new login, but not the XXXX XXXX account. After speaking to a service representative on XX/XX/XXXX I was finally able to see my Money Market account and proceeded to again try to link to a new external account on XX/XX/XXXX, at which point the login stopped working again, so I had to wait until Monday morning, XX/XX/XXXX, to call their support line and they said they would re-open the previous ticket, but I didn't receive a call back as expected. As I prepared to call again on XX/XX/XXXX I received email saying the account had been locked because of the request to link my external account ( several days earlier ), and instructed me to call a different number. After calling that number and answering a number of security questions and the account was supposedly unlocked I still wasn't able to login and was transferred to the standard support, but they were unable to do anything and don't seem to have any interest in helping further, with the ticket open, but the support person assigned to the ticket out for the holidays.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with XXXX accounts that are fraudulent and need to be deleted 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 explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX, I submitted an online application to US bank for Easy Checking account with a promotion of {$400.00}. 

On XXXX, I called to inquire about the account status, and the agent indicated that the application was under review. I called again on XXXX to cancel the application since the promotion expired on XXXX. The agent mentioned that I am still eligible for the XXXX promotion since the delay was on US bank, I am still eligible for the promotion. He placed me on hold and talked with a supervisor. He returned with the same information that the supervisor stated I am still eligible for the promotion. He opened the account with the XXXX promotion and indicated that I would get the promotion as advertised. He apologized for the delay in opening the account. 

Unfortunately, US bank has refused to honor the promotion even though I've met all the eligibility requirements. 

Requested resolution : Please honor your commitment of a {$400.00} new account opening bonus.

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, XXXX  and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing a complaint because I was recently denied a credit card from Discover and know that I was discriminated against and that their decision was based off of information retained from my credit report which is filled with inaccurate and false accounts that I have been disputing with the credit reporting agencies. There were multiple violations of my consumer rights that they are liable for not only civil but also criminal. Attached is a letter I have prepared stating the violations from TILA, ECOA, etc. Congress wrote these laws to help and protect consumers such as myself. I have also submitted a complaint to the Attorney Generals and the Federal Trade Commission. My concerns continue to be ignored and I havent heard anything back from Discover in a week after sending an email to corporate where XXXX XXXX said that she was going to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
- NO RESPONSE TO DISPUTES I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Sometime in XXXX I did not get XXXX auto loan. I got to own a car do also have driver license. I don't got nether I git a i.d . card and personality I XXXX  of getting judged on my report like I opened self and it disappeared when my idebty was being stolen from me in XXXX  year XXXX. If I don't go the no license and I got no car. I got no kebder no XXXX XXXX no nothing this is still against me. I also see that my ex family gif a lol loan in Oklahoma I mean really is this easy to truck a person

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted a letter for Method of Verification Request to Experian in which I have exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : * The description of the procedure used to determine the accuracy and completeness of the information. * Name, address, and telephone number of each person contacted regarding this alleged account. * A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I have requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
They have not comply and provided under the specific time the information required under my rights.

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 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My home at XXXX XXXX XXXX XXXX wachee XXXX was stolen from me in a foreclosure XX/XX/XXXX In XXXX my husband got laid off after the bo. Oil spill so I called wells fargo to apply for a hamp modification. I was told I had to be in default before I could apply. Not wanting to lose my house I continue to pay during that time and it placed in a special account (. Never saw that money again ). Finally at the 3 month they key me apply. My documents for the application were lost although not faxed sent in a XXXX XXXX mailer. Then I received a letter in the mail that I was being foreclosed on. XX/XX/XXXX I was served. ( you have 20 days and I XX/XX/XXXX no lawyer is in their office. Thank XXXX I already had a lawyer we were waiting on me getting served. So I called and the next day we signed on the dotted line and retained a lawyer. 
On XX/XX/XXXX my XXXX case was dismissed with prejudice because wells fargo failed to produce discovery. 
I was served again XX/XX/XXXX ( this time close to XXXX they just love that ) We hired my attorney again. This time I did a deposition, still no discovery but nationstar takes over in XXXX. They offered me a predatory modification I paid months before I learned it was predatory and refused that. Then. XX/XX/XXXX was a set trial by XXXX XXXX judges. The judge sent out a letter wanting to know what everyone was presenting at trial since there was no discovery. XXXX answers ( and its on my XXXX ) they do not have any original documentation so the trial was continued. In XXXX note # XXXX vtrmg mortgage asset trust took over. My original lawyer was disbarred and vtrmg kept calling instead of calling my new lawyer. So my new lawyer started a lawsuit with them for calling me at work. At trial for XX/XX/XXXX. No discovery, no letter from XXXX. The new lawyer i highered stated if we go to trial we will lose!! With no discovery I was forced into a settlement the night before trial. Then I didn't sign for a month When I finally received it a month later which included the dismissal of the other lawsuit we didn't discuss that. All fraud!!!! 
They stole my house XX/XX/XXXX. 
Then to top it off they filed a lost note affidavit the day of trial after I was forced into your settlement. Then they paid XXXX $ at an auction for house that way in my name!!! A XXXX $!!!! If they owned the house now are they buying it for XXXX $ why was i not emailed to buy my own house for XXXX XXXX 
Then the news about the wells fargo settlement https : XXXX? XXXX & XXXX How do I become pay off this settlement and get my money for being a victim of XXXX XXXX I am a Florida XXXX of 36 years Am homeowner in florida since XXXX to go through this horror is rediculous Please help. At XXXX my home equity is fine stolen. My investment gone. I think this was all fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
This is an incident that occurred on XX/XX/22 by an employee at M & T Bank by the name of XXXX XXXX. The description below is the complaint that I sent to the business and I have not heard anything back. 

I am writing today to file a formal complaint about an employee of your bank, XXXX XXXX. I have learned from a colleague of mine that XXXX visited my place of employment and began to berate me and attempt to defame my reputation. In addition, she proceeded to call me specifically discriminatory names and created a hostile environment for my colleague at our workplace. I have been a customer of M & T fka Peoples United for over twenty years. I have several accounts as well as a mortgage and I find it offensive as well as an invasion of privacy that XXXX felt empowered to discuss anything about me personally in any location, but, especially at my place of employment. I hope to hear back for someone regarding this unpleasant experience and I need to understand under what circumstances M & T as a corporation allows its employees, especially someone in management, to bully its customers in a public setting at their place of employment. I feel that my confidentiality has been invaded and I hope that this matter is taken seriously. I am happy to provide any more specific information about this incident, up to and including other witness ( es ) to this behavior as well as video surveillance. Amidst all of the controversy and customer experience debacles that M & T has been experiencing, I can not seem to understand how behavior like this would ever be tolerated. I have been violated and discriminated against as your customer.

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 2022-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I rented a car from XXXX at their Denver International Airport location on XX/XX/XXXX. I returned the car in perfect condition with a full tank of gas on XX/XX/XXXX at XXXX am. That location is not open at that time. I parked the car in the return section and placed the keys in the return box per Budgets policy. I then boarded Budgets shuttle and flew out of Denver International Airport to St Louis. I was then charged over {$4000.00} dollars for not returning the car on time. I did in fact return the car on time and boarded my flight. I attempted to contact XXXX and they would not help me resolve the issue. I then talked with Capitol One about removing the charges. They gave me the run around for several months before saying that I was responsible for the fraudulent charges. All of these cars have GPS tracking. If XXXX looked at this information they would find that the car was at their location on XX/XX/XXXX at XXXX. They would also see me returning their car on their video cameras.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.

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