vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In response to CFPB complaint # : XXXX. My name is XXXX XXXX and I am a federally protected consumer. I am once again making this complaint against Equifax because they have continued to fail their requirements as outlined in the Fair Credit Reporting Act ( FCRA ) of providing completeness and accuracy of an item of information on my consumer file. I asked the company to supply a description of the procedures used to determine the accuracy and completeness of the information they received from the debt collector XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, if I, the consumer, request this description of the procedures used, they are obligated to give me this information, no later than 15 days, after they have received it. They failed to provide me this information when they first received my letter on XXXX, and in my initial complaint made on the CFPB on XXXX. They have blatantly ignored my rights as a protected consumer to provide this information to me. I have reason to believe and do so believe that the accuracy of the 'information ' they 'verified " can no longer be verified or any notation as to disputed information because it seems that they have a hard time answering simple questions on the procedures they used to determine the accuracy and completeness. Because of this, this information needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$620.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # 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 a account without my written instructions. I submitted and complaint about this and few days latter the informed me that the re-investigation was complete. They did not do any investigation or produced any document with my signature at all.

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 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My ex wife and I were victims of predatory lending in XX/XX/XXXX with XXXX Bank. Divorced in XX/XX/XXXX. She deeded the home to me in XX/XX/XXXX. Unable to pay on my own I was almost in foreclosure XXXX. The home was upside down in value. I finally modified ( XXXX ) the home in my own name in XX/XX/XXXX. New servicer (  XXXX ) came in at the end of XXXX putting my ex wife back on the note. I finally had to stop paying since the new servicer refused to take my ex of the note. When the old servicer agree to take her name off. XX/XX/XXXX I had no choice to take the servicer & trust ( XXXX ) to XXXX XXXX  court. Upon further research after filing summons & complaints, I've come to find out that the mortgage has been paid in full by XXXX PMI insurance. This means that the servicer is now trying to double collect. I have a quite title on my property. Of course I am running out of funds fighting against the big banks. XXXX has already been awarded by XXXX XXXX Court against XXXXXXXX XXXX XXXX  XXXX XXXX the end of XXXX for over a XXXX dollars. In turn my ex wife has taken me to court for contempt over the same issue. My lawyers bill are surmounting! I have tried to refinance but the derogatory remark is still on XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My intent was opening an account with CIT Bank which already I have an account with them and I was opening a Certificate Deposit with No Penalty Account. XXXX redirected to CITI Bank, I opened the account and realized it was penalized if I Have to with draw early. 

I called one week after opening the account immediately and explained the situation XXXX redirecting CIT Bank accounts to CITI Bank. There were no proper explanation all they were saying account opened online, to with draw it will be penalized. 

Now I have situation I have to pay my daughter tuition fees, there are penalty. 

All CITI Bank associates spoke to me are rude. 

I would like to escalate to this bureau to investigate on XXXX and CITI Bank and close my Certificate Deposit with interest incurred with out any penalties.

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 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Related to CFPB XXXX I see Bank of America showing a payment was made on XXXX XXXX. However XXXX doesn't show it as part of processed transactions. I don't know who is benefiting from this outright manipulation.

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 2023-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
My grandmother was a victim of ransomware scam that resulted in fraudulent activity in multiple accounts of hers in XXXX of XXXX. The issue we are having is with Discover. A total of XXXX attempted Wire Transfers, but only XXXX completed Wire Transfers were made fraudulently out of her XXXX Discover accounts. 
XXXX XXXX Wire Transfer from Discover  XXXX Account for {$22000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX for {$30.00}. 
XXXX XXXX Wire Transfer from Discover XXXX Account for {$25000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX The XXXX Wire Transfer on XX/XX/XXXX was reversed into the Discover XXXX Account, credit {$22000.00}. 
XXXX XXXX Wire Transfer from Discover XXXX Account for {$39000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX XXXX Wire Transfer from Discover Checking Account for {$6900.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX A deposit from a XXXX Bank account was made to her Discover Checking Account for {$21000.00}. 
XXXX XXXX Wire Transfer from Discover Checking Account for {$21000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX The XXXX Wire Transfer on XX/XX/XXXX was reversed into the Discover Checking Account, credit {$21000.00}. 
XXXX XXXX Wire Transfer from Discover Checking Account for {$20000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
This leaves us with a total of {$91000.00} that was Wire Transferred out of Discover accounts and has not been reversed back, and {$180.00} in Wire Transfer Fees that was taken from her account. 
On XX/XX/XXXX my Grandmother informed me of what had been happening and after I did some research and found that who she had been talking to were not the companies she thought ( Discover, XXXX ). We reported all of the fraudulent activity on XX/XX/XXXX to Discover. We were told that they will really only be looking into the XXXX wire transfers that had gone through and not been reversed back into the account. I was told that they would refund the transfer fees, although I have not seen evidence of this myself. We were told that all of this is under investigation until further notice with no time line of completion. We asked Discover if we should make a police report, and we were told that it would probably make no difference. They also gave us no advice on how to further report this fraud to any kind of authority. In a later phone call we were told that while the investigation was not complete, they had located the accounts that the money was transferred to, but they were empty, and that we are not guaranteed to get any of the wire transferred money back. We have called back several times with no real updates and most times confusion about what is actually in being shown in their system as fraudulent activity. 
After researching myself of what to do I was recommended to make a report about it to the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In response to CFPB complaint # : XXXX. My name is XXXX XXXX and I am a federally protected consumer. I am once again making this complaint against TransUnion because they have continued to fail their requirements as outlined in the Fair Credit Reporting Act ( FCRA ) of providing completeness and accuracy of an item of information on my consumer file. I asked the company to supply a description of the procedures used to determine the accuracy and completeness of the information they received from the debt collector XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, if I, the consumer, request this description of the procedures used, they are obligated to give me this information, no later than 15 days, after they have received it. They failed to provide me this information when they first received my letter on XXXX, and in my complaint made on the CFPB on XXXX. They have blatantly ignored my rights as a protected consumer to provide this information to me. I have reason to believe and do so believe that the accuracy of the 'information ' they 'verified " can no longer be verified or any notation as to disputed information because it seems that they have a hard time answering simple questions on the procedures they used to determine the accuracy and completeness. Because of this, this information needs to be deleted immediately.

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 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I see XXXX XXXX XXXXXXXX showing a payment was made on XXXX XXXX. However WellsFargo doesn't show it as part of processed transactions. 

I don't know who is benefiting from this outright manipulation.

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 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
This issue pertains to my a ability to use my phone numbers ( XXXX ) and e-mail addresses ( XXXX XXXX ) with Zelle at XXXX and XXXX XXXX  where I have my personal and joint checking account, respectively. On XX/XX/2022, my numbers and emails were flagged by Zelle seconds after switching wireless providers. As soon the porting of my numbers was completed, I received an email from XXXX indicating that my number and e-mails had been removed from my XXXX profile. I tried re-adding both my number ( XXXX ) and e-mail addresses ( XXXX XXXX ) but continued to get an error message indicating that neither my number nor e-mail could be used with Zelle. I tried adding a different email but received the same message. I contacted customer support at both XXXX and XXXX XXXX, and they both indicated that Zelle had blocked my ability to use their service with my accounts but were not able to elaborate on the reason. Instead, they referred me to Zelle customer service. I contacted Zelle customer service in numerous occasions but all they do is refer me back to XXXX and XXXX, and once I called my financial institutions, they say that the issue is with Zelle and transfer me back to Zelle, where I am transferred back to the banks. XXXX of the many agents I have spoken to XXXX have mentioned that my numbers and emails XXXX have been flagged due to a violation of Zelle 's terms, but he did not specify which one, nor has Zelle contacted me with an official reason why my information is flagged. I have no idea what triggered this problem ( other than me switching wireless providers ) but would like to have an opportunity to address whatever the problem is. Zelle customer service, unfortunately, is unreachable and seems to be unable to provide with any information of what is happening. This problem has effectively crippled my ability to fully use my bank accounts at both XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Because PayPal had to honor their Buyer Protection Program and they are refusing to give us working XXXX XXXX as they did in the past, it would appear that now they feel that THEY ARE ENTITLED to SHUT OUR BUSINESS DOWN without any explanation whatsoever. This complaint is to add to the contemporaneous record. Please see the screen video that I have attached. 

***Since this is a matter that may involve discrimination all communications should be in writing at the address listed on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MD

Complaint narrative:
As a consumer affected by XXXX XXXX covered major disaster period that is still ongoing, I have recently become aware that my consumer rights have been violated on several occasions. According to XXXX XXXX Sec XXXX, no person XXXX furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during a covered period. Sec. XXXX also restricts collections on consumer debt during a national disaster or emergency. Debt collector means a creditor and any other person or entity that engages in the collection of debt, including the Federal Government and a XXXX government, irrespective of whether the applicable debt is allegedly owed to or assigned to such creditor, person or entity. Discover Bank has closed my credit card account, furnished adverse information to my credit file and also caused me to lose other credit opportunities by damaging my credit score/financial reputation. The president has not declared the XXXX XXXX to be over therefore this is still in effect. Discover Bank is noncompliance with federal law and has willingly and intentionally harmed me. I demand all adverse information to be removed from my credit file immediately, for my account to be reopened and a new card sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
As a consumer affected by XXXX XXXX covered major disaster period that is still ongoing, I have recently become aware that my consumer rights have been violated on several occasions. According to Title IV Sec 110401, no person may furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during a covered period. Sec. 110402 also restricts collections on consumer debt during a national disaster or emergency. Debt collector means a creditor and any other person or entity that engages in the collection of debt, including the Federal Government and a State government, irrespective of whether the applicable debt is allegedly owed to or assigned to such creditor, person or entity. Capital One has closed my credit card account, furnished adverse information to my credit file and also caused me to lose other credit opportunities by damaging my credit score/financial reputation. The president has not declared the National Emergency to be over therefore this is still in effect. Capital One is noncompliant with federal law and has willingly and intentionally harmed me. I demand all adverse information to be removed from my credit file immediately, for my account to be reopened and a new card sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 non-monetary relief
Consumer complaint received 2023-01-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 response to consumer: Closed with explanation