vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A vicious scam happened to me from XXXX XXXX XXXX. I was deceived into a fraudulent investment scheme about XXXX XXXX. I was skillfully duped to transfer my personal savings from my checking /saving accounts at Bank of America to some international institutions used by fraudsters to fund my investment account. The funds were stolen as soon as leaving my bank accounts through wire transfers. 
The following were the dates and amounts on these wire transfers. 
XXXX XX/XX/XXXX XXXX $ XXXX Claim # XXXX {$72000.00} XX/XX/XXXX Claim # : XXXX {$60000.00} XX/XX/XXXX Claim # : XXXX I contacted Bank of America through OCC as well as CFPB last XXXX XXXX There is no formal response from Bank of America and my concern/questions were not addressed except brief statement about unsuccessful attempts of these wire transfer recalls. There was no details about where my funds went and the identities of recipients ( or fake identities maybe ). In my previous complaints to Bank of America, I listed some points of negligence and lack of fraud protection in handling my wire transfers from Bank of America. The total amount of {$330000.00} were stolen from this vicious scam. Its my life time savings and retirement funds. The authorized wire transfers were not legitimate because its a scam and fraud. I sent my money and thought it went to my investment account but instead, it went into fraudster accounts. 
I request Bank of America to investigate these transactions and provide the detailed information about my previous inquiries. What did your fraud protection department do when larger amount of funds were transferred in such short periods repeatedly? There was one wire transfer was blocked on XX/XX/XXXX by fraud department but the same receiving account were used next week without any issues and wired funds went through. Why there was no alerts and warnings, if there was suspicious activities in that checking/saving accounts previously?

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
Hello, I previously contacted Zelle and XXXX about this issue multiple times through 2022, but I was never able to get a resolution. My XXXX checking and savings accounts have since been closed, yet I still am unable to access Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: PA

Complaint narrative:
I have been trying to have my funds distributed from Charles Schwab for the past XXXX weeks. ( It states on they're site to call if it is a time sensitive matter, so I did. ) Below is a summary... 

After I sent my paperwork in the first time, they said 3 to 5 business days for distribution. I get a status update on XX/XX/XXXX, telling me they're missing paperwork. I call, they tell me I am missing 3 pages - I was actually missing 1 of the 3 pages, the other page was for an IRA which did not apply. ( Regardless, I still resent the missing page, even though I can see that I already sent the page in my message center in their portal. I also provided that message ID to the rep. ) I sent the what they requested that day on XX/XX/XXXX. The rep told me everything looked good, and the distribution would be transferred and I can expect funds soon, processing time 3 to 5 days. 

The days passed and I never got the funds. I call XX/XX/XXXX. They're still processing my request. Give it until the end of the week. 

No funds received. I call again, and I am told again I am missing paperwork. I resend the same pages, as requested. I am told it takes 4 hours for them to see the pages, ( but the prior time I resent pages, the rep confirmed they were received while on the phone. ) Each time I am on the phone I tell them I need part of the funds rolled over to another account with my current employer, and it needs to be via check and received by XX/XX/XXXX - AT THE VERY LATEST. ( I have 30 days from XX/XX/XXXX to rollover some of my funds from this savings account ). Mail time is 7 to 10 days. IF they send a check today on XX/XX/XXXX I can be rest assured that it will be received in time... .but that's probably not going to happen, hence the reason for my complaint. 

Each time they tell me they're marking my case as urgent .... 

I call XX/XX/XXXX. The request is either waiting to be processed or it is being processed, is what I am told. 

I call XX/XX/XXXX. No updates on the account. A manager says he is going to watch my account. 

I call today, I am told it is either waiting to be processed or is being processed. They don't know why it's not processed and they'll add another note.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: LA

Complaint narrative:
I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-19 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: LA

Complaint narrative:
I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive been disputing my account with TransUnion, XXXX and XXXX for quiet sometimes now and they still have not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

TransUnion Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX I have sent and screenshot of my credit report as long with my credit report and this debt has been canceled you can see it on the comment section. If Im not mistaken canceled means that the debt has been written off to the IRS so I have every right to have this account removed 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 2023-04-19 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: NY

Complaint narrative:
Ive been disputing my account with XXXX, Equifax and XXXX for quiet sometimes now and they still have not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

XXXX Account # : XXXX Equifax Account # : XXXXXXXX XXXX Account # : XXXX I have sent and screenshot of my credit report as long with my credit report and this debt has been canceled you can see it on the comment section. If Im not mistaken canceled means that the debt has been written off to the IRS so I have every right to have this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: NY

Complaint narrative:
Ive been disputing my account with XXXX, XXXX and Experian for quiet sometimes now and they still have not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

XXXX Account # : XXXX XXXX Account # : XXXX Experian Account # : XXXX I have sent and screenshot of my credit report as long with my credit report and this debt has been canceled you can see it on the comment section. If Im not mistaken canceled means that the debt has been written off to the IRS so I have every right to have this account removed 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 2023-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had {$4000.00} on my Citi bank savings account XXXX. 
On XXXX, XXXX XXXX Citi bank made transfer from this account {$19000.00} to my Citi savings account XXXX to cover it's overdraft ( this account was overdrawn because of unauthorized transaction and currently under investigation ). As a result of this transaction my account XXXX become overdrawn {$15000.00} and Citi bank close this account.

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 2023-04-19 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: NY

Complaint narrative:
This problem was fixed a couple of months ago XXXX XXXX XXXX keeps reporting fake fraud credit card info to my credit report. Went to court as well this is Banking Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Virginia XXXX XXXX {$24000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TX

Complaint narrative:
I had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023 I called XXXX, Experian and XXXX credit reporting agency and informed them I pulled my consumer report and realized there were inaccurate information being reported on my consumer report. I initially spoke to the reporting agency to have this matter corrected. I have mailed in supporting documents. I am hereby notifying you that on those dates or similar dates I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given the credit reporting agencies permission to furnish this information. Have understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

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 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I paid off my Wells Fargo Auto Loan on XX/XX/XXXX of this year. Wells Fargo has yet to report that its been paid off to the 3 credit bureaus. When I called Wells Fargo they said it should have been reported to the bureaus on the XXXX of XXXX and they couldn't see anything on their end that would have prevented it but they weren't 100 % sure.

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 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
THE SYNCHRONY BANK IS THE CREDIT CLEARING BANK FOR AMAZON. 
ON XX/XX/2022 I BOUGHT A PAIR OF SUN GLASSES TO AMAZON WHICH CHARGED {$380.00}. THIS SUN GLASSES WERE RETURNED AND RECEIVED BY AMAZON ON XX/XX/2022. THIS AMOUNT HAVE NOT BEEN CREDITED TO MY ACCOUNT. THE BANK DECLINE THE CREDIT WITHOUT EXPLANATION ; ALTHOUGH AMAZON ACKNOLEDGE THE RECEIPT. 

ON XX/XX/2022 ; I CONTACTED THE BANK AND INQUIRY FOR A {$210.00} CHARGE THAT DID NOT MADE. THE BANK CLAIM THAT WAS MERCHANDISE DELIVERED TO MY ADDRESS. I REQUEST RECEIPT OF DELIVERY SIGNED; BUT THEY DID NOT PROVIDE THAT EVIDENCE TO ME. BY MISTAKE I PAID THE 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 monetary relief
Consumer complaint received 2023-04-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
A few weeks ago I sent letters to all 2 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-04-18 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
A few weeks ago I sent letters to all 2 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My SSN is inaccurate ending in XXXX. 

The following Names are not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-18 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a battle with XXXX a few months ago and missed a payment beyond 30 days. This was since credit reported. I sent a written request explaining the hardship as a result of falling ill to XXXX  and landing in the hospital for a few weeks causing my payment to be missed. I have and have great payment history otherwise. The request was denied and negative credit reporting continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation