vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America opened an account online ( savings and checking ) in my name, with no identity documents and no deposit. It was not me- it was fraud. I tried calling twice in XXXX, held 40 minutes and 1 hour respectively. I then made an appointment with the branch at XXXX XXXX in XXXX XXXX, MO. I was there for 50 minutes and no resolution, but I did find out they opened it without identity documents and without a deposit. I only found out about the account when I received a statement in the mail because the accounts were drawn negative by a fee. Somehow they had my address, SSN, and DOB to open the account. They didn't have my current employment nor work number. 

The account representative at the branch stayed on hold with the fraud department the entire 50 minutes I was in the office, to no avail. I left with a number to call the fraud department and called a third time, held 65 minutes and finally spoke to someone that said they would reverse the account fee that drew the account negative and close the account. She would be sending out a fraud packet. This would seem it was taken care of ; however, the fraud packet I received in the mail asked me to send in a copy of my driver 's license, a copy of my social security card, a copy of my social security statement, a police report, etc. Pardon me, but HOW IS IT ACCEPTABLE to request the aforementioned personal identity documents through the mail, and WHY WOULD I TRUST them with such documents after what they did - opening an account with no proof of identity and no deposit? I didn't think it was legal for them to ask for the social security information.

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 2022-09-26 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: VA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My my credit has gone up over 90 points and from a XXXX to a XXXX and I still can't receive a loan I still have the same problems and also they're still the credit reporting agencies are still making it hard for me to get access to my credit file there's something going on with my credit file you have made all these loan companies essential hard for me to get a loan or any kind of assistance. One place says I have fair credit the other says it's poor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My my credit has gone up over 90 points and from a XXXX to a XXXX and I still can't receive a loan I still have the same problems and also they're still the credit reporting agencies are still making it hard for me to get access to my credit file there's something going on with my credit file you have made all these loan companies essential hard for me to get a loan or any kind of assistance. One place says I have fair credit the other says it's poor

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 2022-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2022, I discovered that bank account had unauthorized transfers to some person name XXXX XXXX via XXXX from my Wells Fargo bank account. There were 4 different transfer amounts : {$12.00}, {$290.00}, {$250.00}, and {$190.00}. I contacted my bank the next day I believe and processed a claim. They gave me the claim number # XXXX and also closed my online account information and closed my bank account and gave me a different bank account number. On XX/XX/XXXX, I checked on my account and there were more transferred scheduled for XX/XX/2022. And even though I called Wells Fargo on XXXX XXXX about the situation, they gave me a new case number, Claim # XXXX, and disconnected XXXX from my Wells Fargo account, but they could not stop the scheduled transfers and on the XXXX, more transfers took place, this time out of my new bank account number. This time, in amounts of {$1.00}, {$190.00}, {$250.00}, {$290.00}, {$190.00}, {$60.00}, and {$9.00}. I called back on XX/XX/XXXX and they said I had to go into a bank branch to verify my identity. I did that and they said they would send me a letter about the case in 10 business days. Around XX/XX/XXXX or so ( I don't know when because I had left the country by then ), a letter arrived to my father 's house, which is my address on file with the bank, stating that they had closed the case and would not be refunding the money because I had authorized the transactions. I called back to ask about how to appeal and they shut down access to my online account and I can only do reactivate it by going into the nearest branch. I live and work in XXXX so was not able to do that. They sent me to an international branch that was 2 hours from my home, but that branch no longer existed when I made the trip to that branch. I called back and again said I had to go to a local branch. When I explained I couldn't, they told me I can have my dad who is a co-owner of my account go into a local branch to do that. I asked my dad to do that for me, and when he went to the branch, he was told they couldn't help him. I called the fraud department back and after much " communication '', they finally allowed me to verify my identity through the phone through a series of questions that only I could know. I was finally able to get back into my online banking information. But when I asked about the fraud case, they said I can appeal by proving that I was hacked. I am an ordinary citizen, I don't know how to prove that I was hacked.

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 2022-09-26 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Home Loan Center, Inc.
State: IL

Complaint narrative:
On XX/XX/2022 I received a text from a rep that said he was from The Lending Tree and to advise that I was approved for {$5000.00} loan and to call to go over the details. Advised Rep that I only need to borrow {$1000.00}, he said no problem. So the process was a follow : Rep stated that he needed my credentials from my bank so his accounting department can deposit the money to my checking account. So I did. He then said to go to XXXX and purchase some Gift Cards. Once I am the XXXX parking lot to check my checking account and see if the money was deposited. I did check and the money was in my checking account. I went inside XXXX and advised Rep that there were no gift cards that he was stating. So He said how about XXXX, I said yes, he said at check out chose {$200.00} limit, get 2, next get XXXX and chose {$50.00} which I did. I used my checking account Debit Card and the purchase was made. Next day XX/XX/2022 Rep called me to ask if I had changed my credentials, I told him yes I did, once I saw the money in my checking account, that is when I changed everything. He then said that he would need the new credentals in order to get the actual {$1000.00}. I told Rep that I could not do that as my bank was doing an investigation and would not release the funds until they completed their investigation. Rep was not happy. I told him once my bank has completed their investigation I would call him. On XX/XX/2022 called my bank and was told that they are returning the check the Rep deposited and I was now in the red and would have to pay back my bank. This is how the email heading come thru : From : LendingTree LLC. XXXX To : XXXX XXXX Sent : Tuesday, XX/XX/2022 at XXXX XXXX  XXXX Subject : Approval Letter From LendingTree LLC. 
XXXX XXXX Direct Line- ( XXXX ) XXXX Customer Service- XXXX XXXX ) XXXX XXXX LendingTree LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX # XXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
Fay Servicing LLC. is reporting a mortgage debt on my credit that was discharged from my XXXX  XXXX bankruptcy case on XX/XX/2015. I have no personal liability to this debt. By Fay Servicing reporting this debt on my credit report is a violation of my bankruptcy discharge and has damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: VA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: LA

Complaint narrative:
Chime limited my account for a reason they have not made clear I have over XXXX $ in the account they placed a limit that I can only spend XXXX $ a day and withdrawal XXXX $ a day from ATM I just want to get my money out and move to another bank but they wont let me they keep talking me theyve fixed the issue but it never gets fixed they have stolen my money and its locked up the only option I have is to withdrawal XXXX $ a day till I get my thousands of dollars out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: SD

Complaint narrative:
XXXX XXXX I spoke with XXXX XXXX at First Interstate Bank about the service charge on my account. She informed me it was because my balance was not over {$250.00} when the statement cycle ended. Now, Ive made sure that on the XXXX of the month it is over {$250.00}. 

XXXX XXXX I call First Interstate Bank again as I see that I was charged yet AGAIN another service charge fee. I explained to the CSR on the phone that my account was over {$250.00} on XXXX XXXX and asked why I still got a service charge fee. She didnt know what a statement cycle was and that she had no authority to reverse that fee as she is not a banker. Only a banker was able to do that. I told her I wanted a complaint submitted. As it is not listed on the checking account statement the statement cycle dates. 

XXXX XXXX XXXX XXXX at First Interstate Bank calls me and I asked her when I called her back in XXXX that she informed me the statement cycle was on the XXXX of the month. She said correct, your statement cycle ends on one of those two days. I asked her why I got another service charge fee when my balance on XXXX XXXX was over {$250.00}? She stated that every day it has to be over {$250.00}, and that on XXXX XXXX it fell to {$240.00} so that was why I got a service charge fee. I asked her if my account is over {$250.00} by the end of the statement cycle, it shouldnt matter as it is over {$250.00}. She said that it did matter regardless. She mentioned I could do a direct deposit to the account but I chose not to do a direct deposit to that account because when I started my new position Great Western Bank was in the middle of merging with First Interstate Bank and it was not fair to the finance department to have to figure out where my paycheck was to go to, just because the banks were merging and it would mess everything up due to routing numbers being changed all over again. I expressed that nothing with this merger seems to be good and that I didnt ever have these problems with Great Western Bank XXXX XXXX said well maybe we are more sticklers with First Interstate Bank than when Great Western Bank. I told her I wanted a complaint filled about this as well. 

That isnt right. Even XXXX XXXX is not this bad, in my personal opinion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NJ

Complaint narrative:
My cashapp card was stolen back in XXXX and was used in a XXXX in XXXX, PA. I contacted cashapp support as soon as the I discovered the fraudulent transaction and they wouldn't help with recovering lost funds ( I contacted them the same day the transaction took place ). I contacted them again a few months later now in XXXX to follow up with why they couldn't handle my claim earlier. The representative said she would forward me and email to help with my problem. I never received the email and I'm still missing {$260.00}. Cashapp is in violation of the Fair Credit Billing Act 15 U.S.C. 1666-1666j, This Act, amending the Truth in Lending Act, requires prompt written acknowledgment of consumer billing complaints and investigation of billing errors by creditors. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P.
State: CT

Complaint narrative:
LTD Financial is now stating I owe XXXX XXXX {$870.00}. This debt was paid through another collection agency in 2021 and the check cleared through my bank. I do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Calls daily, seven days a week, from one of two XXXX, VA phone numbers. Calls twice or more, daily, and hangs up. I call back and get connected almost immediately to a call center where they try to force me to pay someone elses debt from creditors with whove Ive never had accounts. They call me multiple times a day, hang up, and then when I call back one of two people answers and they always give me a different random name for who they were trying to contact at my phone number. Theyve tried to get me to pay bills with cable and phone companies that only operate in places where Ive never lived. I receive these nuisance phone calls from these thieves every single day, despite having blocked their number every time that theyve called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In October 0f 2021, I received a phone call from Synchony saying that my Dick 's Sporting Goods credit card was past due, I had not received the paper statement. I called and asked if my statements may have been set to paper only, they assured me that it was not. I paid a late fee and paid the card off, as I always do. I didn't use the card again until XX/XX/22. Again, I was notified my acct was past due, I immediately paid the bill in full, along with another {$29.00} late fee. This time I decided the service is so poor that I would close the account rather than deal with this again. I called and closed the account, the initial person I talked to said she was transfer me to someone that could assist me, I was transferred to the automated system. The fact that they assured me that my account was not set to paperless was a complete lie. They have profited off their practices twice, in addition I was considered past due twice when I never pay my bills late.

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 2022-09-26 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: NJ

Complaint narrative:
I noticed a couple collections on my report I did not authorize

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 2022-09-26 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: NJ

Complaint narrative:
I noticed a couple collections on my report I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/XXXX when a financial company ran my credit report at my request I found out that MIDLAND FUNDING is claming that I owe them money and I reporting a collection on my credit report. I was told that MIDLAND FUNDING is a collection agency who usually handles XXXX XXXX. They're stating that collection account was opened on XX/XX/XXXX on the amount of {$420.00}. During all these years I never received any letters, any phone calls or any form of communication from this company in their attempt to collect the alledged debt from me. All these years I was fully covered by the medical insurance provided by my employer and prior to that I was under Medical. I am unable to provide any letters to support my claim since MIDLAND FUNDING never made any attempt to contact me. This company made no attempt to reach out to me since this is not my account and they are wronfully reporting this on my credit. They are predators taking advantage of people like me who do not know how and that they can fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: NJ

Complaint narrative:
I noticed a couple collections on my report I did not authorize

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