vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Met a guy named XXXX on XXXX while I was very vulnerable. I ended her relationship of 14 years shortly before the scam. We started chatting, he was really patient because he waited until that friendship grew into a romantic feeling. That is when I started investing. He taught me everything about crypto and trading and gave me detailed instructions on how to do everything. I even took XXXX USD in personal loans in order to start investing. The total amount invested and lost is XXXX USD. My first transaction happened in XXXX this year and the last one around XX/XX/2023 from my account and through the intermediary XXXX to the scam company XXXX The scammer went to great lengths since he even allowed me to withdraw my profits once, just so I dont get suspicious. I was completely unaware of what was going on and genuinely believed that I was making money. As it turns out, not only did I lose the money, I am now in an indescribably worse situation than before the scam, with monthly installments for the loan. I have to find a second job because of all this.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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 of 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 non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion Information Services violated the FCRA 15 1681 ( a ) ( 1 ) ( 4 ), by furnishing my credit file to lenders without my permission. I have several inquiries on my credit file, that has been recorded under my social security number, and furnished to lenders of whom I have not done any business with, or do I have account with. I am asking Transunion Information Services to remove the fraudulent inquiries from my credit file. Attached is an FTC Statement that outlines the information that is fraudulent.

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: TX

Complaint narrative:
{$3000.00} was fraudulently withdrawn from my Comerica bank account using a withdrawal slip from its branch in XXXX on XX/XX/XXXX. 
We found out on XX/XX/XXXX, ( this is an auto payment in and auto payment out type of account, we do not monitor it daily/weekly ) called Comerica branch immediately. 
They called back on XX/XX/XXXX and gave us 800 number to call. Called that number, and it was their fraud investigation department. They emailed an affidavit form. I filled it out and emailed them back on same morning. 
Last night I received a letter from Comerica bank that says I did not report it within 30 days hence " I waive right to contest payment of any item '', no refund will be given. 
I am amazed, that much of an amount can be withdrawn using a withdrawal slip ( withdrawal slips are available in bank lobbies to anybody ), and bank issues payment without checking ID of the withdrawer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
The use of the wrong address on my report as well as fraudulent accounts reported on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX/XXXX  Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX inquiries to be removed : XXXX XXXX XXXX XXXXXXXX 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 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I get 1-2 phone calls a day about an alleged debt I owe. I contacted them and informed them that they can not call me more than 7 times within 7 days. They continue calling even while apologizing over calling so many times

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I contacted Equifax because they are NOT updating my credit score or reflecting any of my history for the last 2 years. I legally changed my name 2 years ago and have updated all XXXX Credit bureaus. They do reflect my legal name on their respective websites. I have been unable to get any financial institutions to talk to me because they say my credit history is blank. I have called Equifax 4 times and each time they said they would elevate a ticket to a specialist and they will contact me in 2-3 days via phone or email. NO contact. That has been 3 MONTHS of calling and waiting with no resolution. Ive looked it up and found other complaints similar to mine and they say its likely a split file whatever that means. I'm frustrated that customer support of Major Credit bureau that affect my life cant be bothered to fix the score they are assigning to me and causing me stress. I need help from someone at Equifax that WILL ACTUALLY do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
On the XXXX XXXX I sent XXXX sterling to XXXX XXXX via a Citibank account XXXX XXXX XXXXXXXX XXXX XXXX  ). I had been provided the wrong account details ( US $ ) so the transfer was rejected. Since then, I have waited over six weeks for the funds to be returned to my account. 

Citibank have said the funds were returned on the XXXX XXXX, but have not provided confirmation the transaction occurred despite being asked to do so several times. My bank, XXXX have confirmed the funds have not been returned. 

All parties involved are blaming each other and I am left without my money. I feel extremely let down, stressed and XXXX about the situation and each additional call to XXXX XXXX and XXXX provides no further information as to when I will receive the money. ( I can not contact Citibank, the main culprits, directly as I am not their client ).

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 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
Name : Discover Credit Operations Team Address : XXXX XXXX XXXX XXXX DE XXXX Phone : XXXX Reference Number : XXXX I, the consumer and natural person, was denied credit by Discover Credit Operations Team when I applied for a insert whatever you applied for the credit card ( Reference Number : XXXX ) due to you following key factors : -serious delinquency and public record or collection filed -too few accounts currently paid as agreed -Time since delinquency is too recent or unknown -Number of accounts with delinquency According to the Equal Credit Opportunity Act adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. 
Due to the response I received by Discover Credit Operations Team are subject to criminal liability for violating 15 USC as I have proof that I was discriminated against due to the response I received. 
Discover Credit Operations Team is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not offered. 
Furthermore, because my social security number which according to 15 USC 1602 ( l ) is defined as a credit card was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Discover Credit Operations Team.

If Discover Credit Operations Team fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit credit card ( Social Security Number ) I will indeed make Discover Credit Operations Team criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

I will also follow up with an invoice for said violations ( {$1000.00} per violation ).

Without Prejudice. 
All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: UT

Complaint narrative:
I opened a new bank account and accidently made a principle only payment with the old account. I was charged a {$20.00} return payment fee. This is my first incident and Roundpoint refused to wave the fee. This is not common practice as I have never had an issue with my previous mortgages. In addition, I am not able to reach a human when I call ( please try it yourself ), and there is no phone app, this company seems like a scam.

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 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
AidVantage student loans taken out in my name. Not my loans and have no knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Realized that I was a victim of identity theft on XX/XX/XXXX. Since then, I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The letter that I have attached was the last letter mailed out on XX/XX/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 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WI

Complaint narrative:
My student loan was transfer from great lakes to this company NelNet The website does not work and you are not able to access your account at all. The page has constant error failures even after inputing all your information. 
Customer service phone line will not provide you with a representative to talk to. 
Tried to email customer service and they say the email volume is to large for them to respond to my email. So i have no way to access my account and pay my student loan. Payment is due in XXXX. How am I going to pay my loan and not have them absolutely ruin my credit if i have no way of accessing my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I paid for an event, XXXX XXXX XXXX, in XXXX XXXX and I used different payment methods to pay for the event, which was roughly {$5500.00}! The event was cancelled due to negligence on behalf of XXXX XXXX  and we were informed the day before the event! XXXX XXXX gave us the option to either transfer our package that we paid for to a different event and they would credit us or receive a refund! They provided us with a form that allowed us to select our bank or their company to apply the refund to our accounts! I chose my banks that I used and I did receive credit from my XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX! My Barclays card gave me temporary credit for the charges, but came back later and reapplied the charges to my account! I tried numerous times and provided the evidence that these charges should have been reversed and the merchant gave permission to reverse these charges, but later came back and fraudulently sent information that wasnt signed by me saying I authorized a No refund policy! I never signed a No refund policy and I never received any credit from the merchant! Im requesting that the remaining {$2400.00} be refunded back to my Barclays card!

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX I tried to access my account online but it said too many attempts and account was locked I called customer service and eventually they got me to the fraud area XXXX. The rep told me my account had been compromised and that they would need to issue new account numbers. This would take 3-5 days and I would not have access to my funds. 

I told the rep that I needed access to my funds to pay bills and provide lunch money to my kids. 

XXXX received an email stating my old capital one accounts have been closed. I called back in hopes of my funds being available. Rep and manager XXXX told me still not available and they would not expedite Please help me resolve access to my funds. Need to buy food and give my kids lunch money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized accounts must be removed. 

All dates were XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 a payment to the capital one credit account was returned by the bank in error. Capital One credit reported the payment as late. This was not the case, The bank provided a letter and I provided it to capital one stating it was an error therefore the payment was made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Real Time Group, Inc.
State: IL

Complaint narrative:
sometime around XXXX they bought my 2nd mortgage from wells fargo they hold deed to my house - cant refinance or sell without them taking my home. 
XXXX XXXX was trying to foreclose on my home and I had to hire a lawyer to stop proceedings- they said they would refinance with new company so I had a new loan. Paid on it for years and then found out they had deed on my house- they dont show up on my credit report. they are just lurking in the background waiting for me to pay more on my house and then take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXXXXXX  I report to fraudulant charges for {$23.00} and {$24.00} that were made on my account to an out of country XXXX ( XXXX ) account. My debot card was cancelled and I was sent a new one and those charges were reversed by XXXX on XX/XX/XXXX and an investigation was opened. On XX/XX/XXXXXXXX  XXXX reversed their decision and charge me the {$23.00} and {$24.00} stating they found no fraud. I called XXXX on XX/XX/XXXXXXXX  to dispute the charges. They told me that they denied the claim because I had past transactions with the merchant that had gone undisputed. I asked for the exact dates of these alledged charges and they could not provide them and I was unable to find them in my transaction history myself. They allegedly reopened the investigation because they could not explain the denial, but on XX/XX/XXXXXXXX  recieved a letter stating it was still denied. I called XXXX again on XX/XX/XXXXXXXX  and asked for further explaination. I spent an hour on the hold while the customer service representative went back and forth with his supervisor to " get an explaination '' for the denial. At first he said I was denied because of past transactions with the same merchant but could not give me dates of these transations. After another 40 minutes on hold he came back and said it was denied becuase " the transaction was made from a device I had used before ''. This is because my card number was stolen from a fake website that I thought was legitimate, but was not. I reported it minutes after is happened and it was clear that the charges were foreign as they had foreign exchange rates attached them. I asked XXXX to send me the detailed investigation documents and they representive on the phone kept saying " The letter was already sent to you ''. I explained that I do not want the letter saying I am denied, but I wanted to investigation paperwork. He kept saying it was sent, and I have not received anything of the sort nor is their reasonly for denying my claim reasonable. I am asking the CFPB investigate this situation seeing that XXXX is unable to give an adquate explanation for their denial of my claim nor are they providing me with any doucmentation with details. I can be contacted by phone at XXXX or my email at XXXX. Thank you in advance for your assisitance in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting 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:
Realized that I was a victim of identity theft on XX/XX/XXXX. Since then, I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The letter that I have attached was the last letter mailed out on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
ou provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).

Company response to consumer: Closed with explanation