vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Hello- This Complaint is being filed for Wells Fargo Bank and XXXX XXXX XXXX. I would like Wells Fargo to return the money to me that was taken by the fraudster. 

I went to pay an invoice to XXXX XXXX for a lift in the amount of {$22000.00}. Communication Started on email XX/XX/XXXX. My email was intercepted by a fraudster ( XXXX & also XXXX - XXXX  doc attached ). The fraudster claimed to be XXXX XXXX and gave me wire info for the deposit. I sent a wire to pay and obviously now went to the fraudster vs XXXX XXXX 

The wire went to an account at Wells Fargo out of Oregon. 

It was XX/XX/XXXX When I figured out what happened as XXXX called and again asked for my payment. XXXX said the payment was never made and we re-traced the steps. I contacted my Credit Union XXXX XXXX XXXX XXXX- where the wire was sent from ) to explain what happened and initiate steps to get the money back. 

XXXX told me I needed to engage XXXX XXXX XXXX XXXX ( conversation/agreement attached ) to get a Trace and obtain the account at Wells Fargo it wenXXXX to and reverse the funds. There were no funds available. 

The next step was to open a Police Report with XXXX XXXX XXXX, MN and forward info to XXXX ( which was done ). Officer XXXX was to obtain a warrant to the account info associated with the fraud and get back to me. See attached document for correspondence. The police department has not communicated with me since they mentioned they were getting a warrant. I've email asked for follow up XX/XX/XXXX. 

I have also reached out to Wells Fargo and was told by customer service the only people that could contact them was XXXX XXXX XXXX and the police. Wells Fargo has a " Know Your Customer program '' - which requires a photo ID to open an account. The fraudster had to show an ID to open an account. Wells Fargo knows about the fraud and is currently doing nothing about it. Wells Fargo has not communicated with XXXX Fraud Department after being contacted by XXXX several times. 

My hands are tied and need the money back - {$22000.00} dollars was taken and is causing major hardship paying bills and buying necessities.

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 2022-04-14 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: TX

Complaint narrative:
IN REVIEWING MY CREDIT REPORT FROM XXXX AND EQUIFAX, I FOUND UNAUTHORIZED ACCOUNTS AND INQUIRIES. I MADE NUMEROUS ATTEMPTS TO RESOLVING THIS MATTER AND NO SUCCESS. THESE ACCOUNTS DOESN'T BELONG TO ME AND I NEED THIS REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My homeowners insurance company XXXX XXXX, the last resort provider for the state of Florida ) dropped me from coverage at the end XXXX XXXX due to not having water in my newly constructed pool. The pool building process took one year from contract and it was literally not possible to have water in the pool due to ongoing COVID related delays in materials, manpower, sub contractors, etc. Without a proper electrical hookup, they could not complete the job in a more timely manner. The mortgage company Chase sent me a letter advising that insurance was required or else they would buy it for me. I called them immediately upon receiving this letter, telling them about the predicament, and asking how long I had before they purchased a policy for me. I was told eight weeks. Six weeks later, the pool company completed their job, water was in the pool, and I was covered once again by XXXX with the same prior policy details. 

In mid-XXXX, I received another letter from Chase advising that I need to provide proof of coverage for the six week period I was without or else they would buy a policy for me in the exorbitant amount of {$1100.00}. As providing such a proof of coverage is impossible, I called Chase on three separate occasions asking what could be done. If nothing could be done from a relationship perspective, then the policy is what it is and I am left with no recourse. However, all letters received indicate that insurance MAY be purchased for me, at no point does it ever indicate that insurance WAS purchased. Despite this, apparently such coverage was purchased on my behalf and this {$1100.00} ( for SIX weeks ) will be taken from my escrow account over time.

At no point did Chase ever 1 ) Tell me that insurance was actually purchased 2 ) Who the insurance was with 3 ) What was actually going to be covered by this completely retroactive policy. The fact that a lender is able to use my money months later to purchase a policy and provide absolutely zero insight into the details of this policy or at least even be able to clearly confirm that such a policy was even purchased is appalling since their last letter continues to indicate that I may be charged. Without being provided such details in a more timely manner, it becomes more unlikely and less plausible that I would even be able to utilize this policy to file a retroactive claim against, thus making this practice seem unfair to the consumer. Again, my lack of coverage for this period of time was completely involuntary and since the insurer of last resort for the state of Florida dropped me explicitly due to the lack of water being in a pool, it does not seem likely that another provider would overlook this, thus another reason why obtaining insight into these phantom policy details would be of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All other reporting agencies al have deleted XXXX XXXX system from my report. I have no contract and agreement with this entity. However Transunion has not. XXXX XXXX XXXX, has been deleted and the reappears in hours on my credit report, for Transunion, XXXX, and XXXX, although I have acknowledged this is a fraudulent account. This first appeared over 10 years ago, however now says opened XXXX. Ive never had an account with this entity or the company they purchased or were sold data from!

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 2022-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
Yes, I was going into fortclosure in XXXX. The mortgage company was giving me a second chance threw loss midagation. The company they put me with is XXXX XXXX XXXX XXXXI spoke with XXXX XXXX at first then I was on a personal level with XXXX XXXXI was to make XXXX payments of {$950.00} at first as well as sending multiple paper work. This was the beging of the covic. XXXX XXXX sent me a email saying that the mortgage company was going to get back with me to let me know when I was going to start my regular payments of {$600.00}. It had been months I never heard from anyone no phone call, no emails, as well as no mail .I called XXXX XXXX and she stated that they had sold my house .I didn't understand why the mortgage company did that when I was going threw the people freedom solutions company as well as me paying {$2800.00} where did that money go and I'm so confused about that hole situation.I have been here in my house for 6 years 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 I help the homeless people with any information they need or make copies of paper work they need food or clothing, help setting up a bank account, what ever there needs are this is also a non profit organization. I recently got a paper on my fence it was from the XXXX XXXX saying they demand possession of property. I did give the courts a answer but my paper work said motions to appear by telephone. So I called the courts that morning and they gave me a phone number as well as a extension I was on hold for, XXXX minutes. I called the courts back and they said I didn't show up so they gave them my property.I am doing an appeal And taking this to district court .I also received a paper that was a writ to leave my house so I m appealing that as well .I 'm also going to file an appeal for the sale date of my house due to the mortgage company saling my house from under me with out me having any knowledge.This had been so upsetting, stressful and I'm having a real hard time mentally to handle all of this I hope you folks can help me out with this situation.I have up grated my house I added a swimming pool as well as a hot tub XXXX trees, black molch it's looking beautiful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Very unpleasant experience yesterday ( XX/XX/2022 ) closing out a few of our Citizens Bank accounts at the XXXX XXXX XXXX location ( branch XXXX ). What would typically take 5-10 minutes to complete this transaction took in excess of an hour ( probably even longer! ). Exacerbating matters was the fact XXXX, the Citizens teller was completely unprepared to transact this closure of our accounts hence we decided to forgo our other Citizens pending transactions and instead schedule a visit to an alternative Citizens bricks and mortar location just so long as we didnt have to deal with either XXXX and especially XXXX XXXX XXXX the branch manager. I am pretty much laid back but when I voice concern how long this transaction was taking, XXXX XXXX rudely and condesceningly suggested I take our business anywhere other than at his branch. Normally, the customer should always be right and when they simply voice displeasure to how long it takes to transact business it should never be taken personally. XXXX XXXX, the branch manager stated we should take " all '' our business to any competing bank just so long as it wouldnt be with Citizens. I am still livid and upset the way Citizens Bank treated my spouse as I was patiently waiting over a hour while this banking task dragged on and on infinitum. This was the very first time weve used Citizens at XXXX XXXX XXXX ( branch XXXX ) and rest assured I will personally never ever use XXXX XXXX XXXX or branch XXXX in the foreseeable future. I wish I had personally recorded the way my wife and I were treated as it would clearly document why this branch manager should undergo, at minimum, remedial training or even possibly replaced or terminated. I've served during war in the early 70 's, been cut open 4 times during my lifetime, and no one especially senior citizens should ever been treated in such a fashion. The last thing I need is for a ignorant rude branch manager giving me the " bum 's rush out the door '' for whatever reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence Resource Management is attempting to collect on a debt that was already proven to be fraudulent by both XXXX XXXX XXXX and a previous debt collector. The account date is inaccurate, the debt was already pulled off my credit report by the previous debt collector, and now we have credence resource management repeatedly posting negatively towards my credit and attempting to collect said money from a fraudulent charge. Company has never contacted me at any point, not via email, mail, or telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-04-14 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: NC

Complaint narrative:
Ive submitted multiple request supporting my reason for removing these inaccurate entries on my credit profile. The Fair Credit Reporting Act States that XXXX XXXX and Transunion has to report 100 % accurate meaning that all three credit reporting agencies must report identical information and if one credit reporting agencies removes the account then the others should as well. I will be attaching all supporting documents even my credit report showing those accounts that are not reporting to all three credit reporting agencies. I request that you validate this inaccurate information and remove the negative accounts. This is my last request. Pursuant to XXXX5 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If you don't have proof that I've sent written instructions then remove these accounts. Pursuant to 15 USC 1681a detention and rules ( d ) consumer Report ; The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS

Complaint narrative:
I have this old account still listed on my personal credit file and it has been years, this is past the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My previous complaint needs to be re opened. Bank of america and clearly you guys don't know peoples name. I do appreciate being send wintworth and oreal hudsons personal bank statements though. Get it together. RE OPEN MY CLAIM

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Ive been a new home owner for 3 months and it still doesnt reflect on my Credit Report. XXXX  is always the lowest score across the board..why when same information reflects on the other 2 reports by XXXX and Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 Convergent Outsourcing has been absolutely destroying my staggering reputation by reporting false information for years. I have reached out to them numerous times about this situation. Convergent Outsourcing Still hasnt fixed there mistakes. In accordance with the fair credit act Convergent Outsourcing Account # XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. Convergent Outsourcing has used my report improperly for long enough XXXX already deleted this account from my report now its XXXX XXXX XXXX still reporting false information for years.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
On XX/XX/2021, I was scammed by group of fraudsters : XXXX XXXX and XXXX XXXX ( the Company ) and lost XXXX USD. 
I advised Charles Schwab Bank  of this fact on XX/XX/2021 and I havent received any satisfactory response so far. 
I would like to say that I am a XXXX citizen vulnerable to scams, and the bank never took that into account. 
Since XX/XX/XXXX, I have been attempting to resolve this matter with Charles Schwab Bank, but they have failed to settle this matter satisfactorily. I have been dealing with Charles Schwab Bank in good faith and am deeply disappointed in how they have handled this matter thus far. 
I find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates their principles, which call me to defend my rights. This is poorly thought out and vaguely defined nonsense. I doubt they care however since nonsense is what renders unscrupulous businesses financially successful. 
Accordingly, I respectfully insist that Charles Schwab Bank covers all overdrafts ( XXXX USD ) on the account. This is fair and reasonable given I was given no appropriate warning about the possibility of a scam. I have been a loyal customer of Charles Schwab Bank and have never had any difficulties of this kind before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
I HAVE SENT A DISPUTE TO AFFIRM AND XXXX AND WAS NEVER TREATED AS A VCITIM OF IDENTITY THEFT. THEY DID NOT HELP ME AND HUNG UP ON ME MULTIPLE TIMES AFTER FOLLOWING THE FCRA SEC 605B 15USC LAWS

Company response to consumer: Closed with explanation