vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I received the wire details from the lender for the closure on a property I was buying in XXXX FL. 
On XX/XX/XXXX I went to Wells Fargo XXXX XXXX in XXXX GA XXXX and I initiated the wire with the bank details I received on the email. The manager of the branch is the XXXXne who did the wire, she didnt confirm the bank details or account. Two hours later the secretary of the real state lawyer called me asking about the wire transfer, at that time I realized my email account was hacked. I contacted the manager of the WF bank and she initiated a recall process. Due to the long holiday the fund seated in the account but they were not refunded. The following Monday the manager of the bank contacted me with the information that the XXXX bank the recipient bank acknowledge the wire as fraud because of a name discrepancy. I was suppose to be credited back with all the money in 7-10 business days since the funds were on hold. 
By XX/XX/XXXX the money departed the XXXX and the fraudster was able to close the bank account. The Criminal investigation of the XXXX XXXX XXXX  confirmed the details of the person who opened the account which it was different to the one I intended to sent the wire and with all the details and clear proofs the XXXX bank still released the funds. I am being trying to recover the money and both bank are liable. The Wells Fargo bank FAILED to verify the bank details before sending the wire transfer, and the XXXX bank released the fund and lift the hold to an account that it was mark as fraudulent. The Wells Fargo as my bank is responsible for protecting my rights as a consumer and they should be liable to refund the money to me and charge the XXXX for the mistake, the XXXX  is ignoring this crime because I am not their customer and the Wells Fargo is leaving me unprotected, with this report I am here to request Wells Fargo to protect my rights, stand for me for this crime that took a place over 18 months and recover the money that the bank shouldve not allow to depart the account after the mistake of the branch manager. 

I have all legal documents including, police reports and investigation results showing the mistake of both banks, the XXXX bank did opened and allowed a fraudster to opene an account and relsewd the funds that were on hold marked as with fraud alert, but the Wells Fargo failed in verifying details with the XXXX bank before allowing the wire transfer to take place and did not stop the funds in time to be transferred to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: FL

Complaint narrative:
Fradulent activity occured on my credit report that should not be there. These accounts need to be deleted and taken off my report. I have contacted the creditors and the credit bureas and both are giving me no response.

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 2021-10-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Fradulent activity occured on my credit report that should not be there. These accounts need to be deleted and taken off my report. I have contacted the creditors and the credit bureas and both are giving me no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX**** To remind this company of this law I have included it here. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. I have attached a description of the tradeline that should be excluded from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: TX

Complaint narrative:
hello I am wanting to file a complaint on experian for there continuous inaccurate reporting and for there illegal practices by changing the date of first delinquency, charge off date and Last Payment on a account on my credit report. 

XX/XX/XXXX I sent experian a letter based on there inaccurate reporting stating they are reporting a active payment history on this account when it is closed. 

XX/XX/XXXX I viewed my results online and they claimed the information I disputed has been updated. they didn't remove the active payment history of charge offs every month that I requested and they changed the Last Payment from XX/XX/XXXX to XXXX XXXX they changed the date of 1st delinquency from XX/XX/XXXX to XX/XX/XXXX. They changed the charged off date from XX/XX/XXXX to XXXX XXXX if I am not mistaken experian illegally re-aged this account and this a major violation. 

XX/XX/XXXX I responded with a letter stating all of the information as stated above from my results XX/XX/XXXX experian sent me results STILL reporting a c/o monthly and they changed the Balance Updated and Status dates from XX/XX/XXXX to XX/XX/XXXX?? they completed this investigation in 10 days. they still did not remove the active payment history as I originally requested. experian is in non compliance and doing illegal procedures.

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 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America representative kept me on the phone on and off hold for almost 1 and half hour, their billing system was not functioning. I have tried since XXXX to set up auto pay and their system has not been functional. They charged me late fees as a result and refuses to refund the fees even after confirming that there was in fact an issue with their billpay system. 

The manager I spoke with XXXX XXXX XXXX transferred me to her manager XXXX who hung up on me after talking to me as though I was his child. The overall customer service experience was very sad and distasteful. Our account inappropriately charged a late fee after confirmed issues with their system.

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 2021-10-25 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Please see attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: CA

Complaint narrative:
Please see attachments

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 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
We have contacted Select Portfolio Servicing numerous times regarding the attached 1099-C. As you are aware all loans associated to each of our properties are fraudulent. 
Our information was taken for the purpose of obtaining loans for others self profit. We DEMAND SPS delete both 1099 C. It's bad enough we never received a loan as it pertains to the property located at XXXX XXXX XXXX XXXX XXXX SPS has issues TWO Separate 1099-c 's in the amount of XXXX each the two of us, This is Fraud and THEFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: GA

Complaint narrative:
Experian has repeatedly refused to correct and delete fraudulent information from my credit report. They have been sent the proper documentation, including a valid and verifiable police report and yet continue to " investigate '' the situation with no results. This has been ongoing for months. XXXX and XXXX have deleted these items. Experian is causing distress because of the continual nature of their responses. I wait the allotted time for their results to find nothing has been done. 

THE EXPERIAN LATEST REPORT # XXXX ON XX/XX/2021

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 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: VA

Complaint narrative:
I made a few corrections Your case # is XXXX I am part of a group in my church which a few weeks ago required that I download Cash App on my phone so that I can transact business on its behalf. The leader of this group deposited {$200.00} on this App. A representative from Cash App contacted me a few days after the aforementioned deposit was made and informed me the App I downloaded had been hacked and that the hackers could have access to all my personal information including my bank accounts and convinced me I needed to withdraw all my funds from my bank accounts and transfer these funds to Cash App so they could protect my funds and ensured me I would get all my funds returned to me as soon as possible. On XX/XX/XXXX I withdrew {$2400.00} from my XXXX  XXXX XXXX  account and withdrew {$1000.00} from my XXXX XXXX XXXX XXXX account and transferred these funds to Cash App. Days went by and they never returned my funds to me. I complained to them about returning my money and XXXX XXXX a XXXX there assured me my money would be returned to me as well as an additional {$360.00} to compensate me for inconveniencing me. I have called and texted and still no money. In the last conversation XXXX XXXX said he would call me back on XX/XX/2021 and no mention of when they would return my money to me. I have a copy of his texts assuring me my money would be returned to me promptly. I need my money ( {$3800.00} ) asap along with {$200.00} my church deposited on the App. Please help me get these funds returned to me asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: OH

Complaint narrative:
I, XXXX XXXX, ( a natural person ) I do not owe such debt and this is a clear violation of my rights under Title 15 U.S.C 1692 ( e ). Thru U.S. Postal Service Via certified mail on XX/XX/2021 I sent them a letter to Cease and Desist their fradulent activites and they still failed to do so and still continued to use this false information against me. I also requested that I be provided with validation from XXXX XXXX and XXXX XXXX  of these alleged debt and it was not provided. I left over 7 messages for a manager with the company and received no responses. They continues to willfully keep the false debt listed on my credit report. They are unable to validate the debt and still did not remove it. This is affecting my life I am undergoing extreme stress and emotional damage due to this nightmare. It is affecting my personal and professional life. I am unable to operate in the financial system properly with this false debt on my consumer report. I deserve justice for the loss of income, troubles, and mental stress this company is causing me by being complicit in violating my federal 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 non-monetary relief
Consumer complaint received 2021-10-25 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: FL

Complaint narrative:
I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX**** To remind this company of this law I have included it here. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. I have attached a description of the tradeline that should be excluded from my credit profile.

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 2021-10-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX*** To remind this company of this law I have included it here. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. I have attached a description of the tradeline that should be excluded from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I was refused service at the XXXX XXXX  XXXX, XXXX, TX XXXX PNC Branch by the branch manager XXXX XXXX. XXXX refused me service, telling me, " we will not serve you here ; you will have to go to a different branch. '' This is all after I came to this branch multiple times spending hours at the branch trying to get my money with multiple different tellers and with XXXX herself. 

Furthermore, the tellers refused to get any amount of money from any of my checking accounts. 

I did what XXXX said, left the XXXX XXXX  XXXX branch, drove to the XXXX XXXX XXXX, XXXX, TX XXXX branch location and was able to get all of my money out in less than 30 minutes from the teller.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: OH

Complaint narrative:
I, XXXX XXXX, ( a natural person ) I do not owe such debt and this is a clear violation of my rights under Title 15 U.S.C 1692 ( e ). Thru U.S. Postal Service Via certified mail on XX/XX/2021 I sent them a letter to Cease and Desist their fradulent activites and they still failed to do so and still continued to use this false information against me. I also requested that I be provided with validation from XXXX XXXX  and XXXX XXXX  of these alleged debt and it was not provided. I left over 7 messages for a manager with the company and received no responses. They continues to willfully keep the false debt listed on my credit report. They are unable to validate the debt and still did not remove it. This is affecting my life I am undergoing extreme stress and emotional damage due to this nightmare. It is affecting my personal and professional life. I am unable to operate in the financial system properly with this false debt on my consumer report. I deserve justice for the loss of income, troubles, and mental stress this company is causing me by being complicit in violating my federal 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