vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
On XX/XX/2022, I made a payment from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX through Zelle. The payment of {$550.00} was going to the business XXXX XXXX XXXX XXXX XXXX XXXX ) for a XXXX tree, which was supposed to be shipped to me. It appears that XXXX XXXX  XXXX received the funds, but has been scamming a lot of people, offering XXXX trees for sale and then disappearing. I believe ( from having talked to several other scammed consumers, that Zelle was aware of the scam from XXXX XXXX XXXXXXXX, since others had made complaints before mine. It looks like I was one of the last people to order. 

I have tried multiple times to contact the business, to no avail, and I have not received any product. I have asked XXXX to refund my money, and to disallow Zelle from being allowed to cheat future customers, since they apparently have no protections in place for scammed consumers. However, my credit union refuses to accept responsibility since the transaction was 'authorized. ' I also filed a complaint with Zelle, and they are pointing to their Terms and Conditions, saying that they aren't liable for any fraud or scams. 

Apparently, if I had used my credit union debit/credit card, I would have had protection since I never received the product purchased. Why is Zelle allowed to operate without consumer protections in place? Also, why is my credit union allowed to deny liability by using a 3rd party ( on the credit union website ) to circumvent a fraudulent transaction? 

I will never use Zelle again, and I urge the CFPB to take action against them, since they are aware that scams and frauds are taking place using their unprotected service. Further, I urge the CFPB to take actions against banks and credit unions who are using 3rd-party companies, like Zelle, XXXX, XXXX, to avoid liability that they would have if I used my debit or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please see attached file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Money was fradulently taken from my chase account on XX/XX/2022, in the form of ACH and wire transfer on XX/XX/2022 I received a credit of {$5000.00} for the ACH claim, until this date, I still have not received no credit for the wire claims of {$10000.00} and {$5000.00} totaling {$15000.00}, Chase send me a letter stating they approved the claim on XX/XX/XXXX and I will receive a check within 10 day, today is XX/XX/XXXX and I still haven't receive my money back. I called multiple times, had multiple escalation and complaints but I'm still being ignored and no resultion since XX/XX/202XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18 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: MO

Complaint narrative:
Please be advised that as of today as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : CXXXX XXXX XXXX XXXX ( XX/XX/ ) XXXXXXXX XXXX XXXX  ( XX/XX/ ) XXXX XXXX XXXX ( XX/XX/ ) XXXXXXXX XXXX XXXX  ( XX/XX/ ) * XXXXXXXX XXXX ( XXXX  ) I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian the right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless they can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries. It is Experian 's duty to accurately report information and as of now they are not doing that. I look forward to someone resolving this matter with this initial communication.

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 2022-11-18 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:
on XX/XX/2022 I spoke with a rep at Equifax about my identity theft and potential fraud. I was advised to fax or mail in copy of my drivers license and social security card along with a copy of my police report. I also sent them the documents I was able to get from one of the creditors that advised the inquiry was fraudulent and sent previously to Equifax months prior.I called back 5 days later to confirm if my documents were received, I was told yes and that my request would be processed. On XX/XX/2022 I received an updated Equifax report advising that the inquiries I stated were fraudulent were in fact valid and will remain. I called on the same day and the rep had advised me that an internal process was not completed properly and she would have to resubmit my dispute again and I will get my results within 30 days. On XX/XX/2022 I receive another updated report from Equifax and this time it shows where they deleted the items in question and at the same time validated the items as accurate within the same report. I called Equifax and on rep XXXX advised he couldn't do anything about my file because he couldn't see documents I faxed in only my driver license and social security card. I asked to speak to a supervisor name XXXX, she advised that she could see the documents i sent in but could not validate them to update my account she said another department called the specialty department handled those issues. XXXX could not explain why on my same report the items shows deleted and then the same items showed valid and accurate. XXXX told me I would have to submit a FTC report along with the same documents I sent on XX/XX/2022 that are currently available on Equifax system in order for them to reinvestigate my dispute. So now I have to resubmit this request for a third time because it appears Equifax is not willing to review any of the previous documentation sent. On the updated Equifax report you will see on pages 3 and 4 were the items in dispute were deleted and also validated at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: FL

Complaint narrative:
RE : XXXX XXXX opened on XX/XX/XXXX incorrectly shows {$440.00} was written off. On XX/XX/XXXX - {$440.00} I paid XXXX XXXX XXXXXXXX ''. Please see attached bank statement. ( bottom of page XXXX ) Please update the account as PAID in full, with nothing written off or delete the account in it's entirety. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18 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: FL

Complaint narrative:
RE : XXXXXXXX XXXX  opened on XX/XX/XXXX incorrectly shows {$440.00} was written off. On XX/XX/XXXX - {$440.00} I paid " XXXX XXXXXXXX ''. Please see attached bank statement. ( bottom of page XXXX ) Please update the account as PAID in full, with nothing written off or delete the account in it's entirety. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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:
RE : XXXX XXXX  opened XXXX XX/XX/XXXX incorrectly shows {$440.00} was written off. On XX/XX/XXXX - {$440.00} I paid " XXXX  XXXX ''. Please see attached bank statement. ( bottom of page 1 ) Please update the account as PAID in full, with nothing written off or delete the account in it's entirety. Thank you.

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 2022-11-18 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: DC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2022-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
I believe my income was to low for the mortgage payments and it was pushed through even with that being the case. currently my mortgage is {$890.00} per month while my monthly income is {$1000.00} from XXXX. My family did suffer a hardship due to XXXX as my grandson was working and able to assist me, he was out of work due to covid for several months. During that time other family members did help out when they could however everyone in my family has been suffering due to the cost of living being extremely high-we cant seem to catch up. 
As I was speaking with a lady I befriended she made mention that I should have never been approved for the mortgage with no more income than what I had and I should look into the reason I was approved.

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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 non-monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I scheduled my permanent payment for mortgage. every XXXX of every month. XXXX  was paid normally for 5 years, but The lender, XXXX XXXX XXXX, started the practice of intentionally not charging me in due day, and then charge me late fee for not paying in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I participated in the government sponsored Covid Forbearance program due to lack of work and struggle to pay mortgage. The lender offered solutions to pay back the monies owed once the Covid program was over - Modification, Deferment & paying back arrears. Now that the program is over they are demanding payment of everything owed and will not allow me a modification nor a deferment. They are sending me confusing letters and will not work with me to achieve a reasonable solution to keep my home. I have owned my home since XXXX and have always been able to work with my previous lenders if there were any issues making payments. My mortgage was sold to my current lender almost a year ago and since that time I've received misinformation, lack of communication and refusal to assist with my issues as a borrower. I also filed a complaint with the XXXX XXXX XXXX when they reported my account to the credit bureau claiming I didn't make payment when in fact I was in the Forbearance program and their terms stipulated it would not be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: FL

Complaint narrative:
RE : XXXX XXXX - showing an outstanding balance ( charge off ) of {$7700.00} There is no more outstanding balance as the leased property was returned to the company and the contract terminated. This company has failed to produce any evidence of a left over balance despite many written and verbal requests. This balance must be updated to {$0.00} or the account deleted in entirety. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: TX

Complaint narrative:
XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX are unverified unauthorized accounts, I am a victim of identity theft and found these reported on my file and since then Ive filed a ftc report and reached out to creditor and Equifax to have them removed but they still reflect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
a lot of information is invalid on my Equifax credit report. I am interested in disputing all inaccuracies on my credit report to help my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
9 unauthorized ACH withdrawals from my account contacting bank : XX/XX/2022 phone call about unauthorized ACH withdrawal XX/XX/2022 phone call about unauthorized ACH withdrawal XX/XX/2022 branch visit about unauthorized ACH withdrawal XX/XX/2022 branch visit about unauthorized ACH withdrawal XX/XX/2022 secure center message about same per info I received from bank I have authorized all transactions. I have requested documents / proof I authorized transactions and bank refused to provide this document on several occasions- in person / at branch and also by secure message

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: OH

Complaint narrative:
I ordered 2 items from XXXX I thought these items were tried and true items which are free for doing surveys but XXXX charged my Capital One credit card XXXX. I have talked to XXXX and Capital One and they both say the other one is responsible for the refund meaning XXXX says to contact Capital One and Capital One says to contact XXXX  we have been doing this for about 3 months This was XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
THIS IS MY FINAL ATTEMPT TO SETTLE THIS WITH WELLS FARGO VIA CFPB. 

Regarding complaint # XXXX on XX/XX/2022 & Regarding complaint # XXXX on XX/XX/2022. 

I submitted an affidavit which I will re-attach and showed proof of my consumer rights being violated in the transaction, XXXX XXXX  from WELLS FARGO responds back with a contract was signed which was on my 1st exhibit. We are all aware agreement was signed. HOWEVER That does not give WELLS FARGO, OR XXXX  XXXX, XXXX ANY REASON TO DISOBEY THE LAW & VIOLATE MY CONSUMER RGIHTS I'VE STILL HAVE NOT GOTTEN ANY RESPONSE regarding : EXHIBIT XXXX : XXXX swears that WELLS FARGO XXXX XXXX XXXX XXXX XXXX are Violation of 12 CFR 1026.4 & 15 USC Section 1605 ( DETERMINATION OF FINANCE CHARGE MY FINANCE CHARGE WAS SUPPOSE TO BE THE SUM OF ALL CHARGES WHICH WAS NOT THE CASE. ( fees, service fees, loan fees, insurance premiums was suppose to apart of my finance charge and it was not ) EXHIBIT 7 - why I NEVER FULLY my material account opening disclosure in accordance to 15 USC 1602v & which is a violation EXHIBIT 9 : XXXX swears that WELLS FARGO XXXX XXXX XXXX XXXX XXXX are in Violation of REG V & FCRA - Fair Credit Reporting Actin reference to exhibit 5 - I was never offered the choose to opt out of sharing or reporting of my private information as the consumer as the right to privacy EXHIBIT 10 : XXXX swears that WELLS FARGO XXXX XXXX XXXX XXXX XXXX are in Violation of - XXXX5 U.S. Code 1662 - Advertising of down payments and installments. {$5000.00} of a downpayment was taken as XXXX XXXX of XXXX XXXX Wells Fargo said they needed skin in the game which is a violation EXHBIT 13 : XXXX  will be exercising their rights according to REG Z, & 1026.23 Right to Recession & Title 15 U.S. Code 1635 ( a ) & Title 15 U.S. Code 1635 ( f ) NONE OF THESE WERE ADDRESSED BECAUSE IT WAS ALL VIOLATED BY XXXX  XXXX XXXX XXXX  XXXX XXXX WELLS FARGO ALSO I AS THE CONSUMER HAVE THE RIGHT TO RESCIND A TRANSACTION BEING WELLS FARGO VIOLATED MY CONSUMER RIGHTS UNDER REGULATION Z, 1026.23 Right to Recession & 15 U.SC 1635, IVE NEVER WAIVED MY RIGHT TO RESCIND NOR WERE 2 COPIES OF MY RIGHT TO RESCIND EVER SENT TO ME. 

I'VE RE ATTACHED MY INVOICE FOR WELLS FARGO TO PAY FOR VIOLATING MY CONSUMER RIGHTS WELLS FARGO NEEDS TO RESPOND AND PAY INVOICE ACCORDINGLY

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 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: T.S. Holdings
State: GA

Complaint narrative:
Dear All, I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX, regarding a debt charged to me, which I do not recognize and do not owe. 
I am receiving some calls requesting me to pay this debt, and my name is already in collection with credit bureaus. 
I called them today ( XX/XX/18 ) requesting proof of debt and this was refused. IQ associate told me that this document would be provided only if I pay my debt in full. 
In addition, I have never received any official letter or any other document via mail, informing me about this debt. 
This debt there is no origin, nor documentation, and I Q is just assuming that I owe and not proofing it, which means, this debt does not exist. 
Again, my name is in collection, jeopardizing my financial life, without any reason. 
I kindly ask for the CFPB to contact I Q requesting appropriate behavior, as well as ask them to remove immediately my name from the collection status. 
Many thanks in advance, Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: IL

Complaint narrative:
On XXXX ( additional dates/ tracking numbers are attached below ) l sent letters to the credit reporting agency and creditors regarding inaccurate and unknown items on my consumer report. To this day over 30 days later I have not received a response yet I feel like Im being ignored and taken advantage of my disputes Section 611 ( a ) states that failure to investigate items within 30 days gives reason to delete. Delete these items from my consumer report immediately. The credit reporting agency/creditors also violated 623 ( a ) ( 3 ) - 15 USC 1681b - 15 USC 1681e ( b ) - 1681a -2 ( A ) ( i ) - 623 ( a ) ( 1 ) ( B ) ( ii ) ( 5 ) - 15 USC 1681c ( a ) ( 1 ) They were also supposed to complete investigations before the expiration period under section 611 ( a ) ( 1 )

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