vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2021 - I approached a Wells Fargo ATM outside my local branch in XXXX XXXX, California to deposit {$5100.00} to cover a check I had just wrote in the same amount. 

The machine displays a sign warning the machine can only accept XXXX bills at a time at which point I inserted XXXX {$100.00} bills into the deposit compartment, something I often utilize. 

The machine sounded different than normal while counting the money and promptly showed an error machine jam message. It then asked how much did I deposit? I entered {$3000.00} and the machine gave me a receipt showing {$200.00} available now and the remainder the following day. 

The following day I logged into my online account portal only to learn there were additional issues. It reflected {$1000.00} deposit and a WITHDRAW of {$2000.00}!! 

This made absolutely no sense to me at the time so I called into Wells Fargo Customer Service Line and after working my way through the extremely frustrating automated system I finally get a human to look into it and after a few on holds and a chat with his supervisor I was informed that it would show the correct information by XXXX ( the following calendar day ) That leads me to today, I checked yet again and yet again it has not changed. I called in and spent more than 2 hours on the phone to speak to 3 different people. 

All three shred the same information, the only I can do now is make a claim and wait up to 10 business days for them to review and investigate and if they determine a credit is owed they will at that time issue a credit for the money that they currently have in their possession. 

I feel this is unethical and possibly illegal. There is no warning anywhere on, near or within the ATM that warns this can happen. I had no way of preventing this from happening. Had it been warned that the ATM machine WELLS FARGO owns and operates could do this! Moreover, if I had know the ramifications I would experience if their machines malfunctioned I would never had used it. 

I was assured the claim is NOT FAST! I was told Wells Fargo gets thousands of complaints " just like this '' some for merchant issues and some are for fee complaints etc.. I was dismayed that the people they have in claims and dispute resolution feel a situation like this is comparable to that of a complaint against a merchant or a customer complaining about a fee they probably owned.

This bank is a JOKE! FRAUD! WELLS FAGO CRIMINALS!

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 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid producer XXXX XXXX for music production service through Venmo, in the amount of {$1500.00} ( {$1000.00} for producing, {$500.00} for mixing and mastering ). However, due to contract breach, the mixing and mastering service were terminated and {$500.00} refund was expected. Due to the disappearance and unreachable of the producer, I'm requesting a refund through Venmo. However, Venmo stated it was a transfer between friends rather than a merchant service and refused to provide a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: ND

Complaint narrative:
I used the MoneyGram mobile app to send some money internationally. Within an hour of sending the transfer, the recipient received a XXXX call from a company named XXXX stating that they worked on behalf of MoneyGram, and they had all the information pertinent to the transfer, including all my personal information and banking information. They stated they only needed her information to verify the transaction. She declined and immediately let me know. Next morning when i woke up to call MoneyGram to complain, I noticed I had a couple fraudulent transactions on my account for a couple grand. I followed the appropriate channels to let my bank and MoneyGram know of the situation. MoneyGram stated there was no one with that company name that worked for them, but somehow those people had access to all the information from the money transfer and all my banking information, so theres either a huge flaw/ security exploitation within the app or theres people within the corporation getting unauthorized access to peoples information and using that malignantly. Either way, its a huge deal. And this is sure to be affecting many other people and its a dire issue that needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX, 2021, fraudulent wire transfers were initiated by cyber criminals from our Wells Fargo accounts and all our funds and life savings from our savings and checking accounts in the amount of {$64000.00} was wire transferred to XXXX XXXX XXXX XXXX. 
We found out on XX/XX/2021 that all of our money is gone, we immediately reported it to the fraud department of Wells Fargo, the bank did not get our money back with a swift recall in a timely manner and informed us the the money is gone from the recipient, XXXX XXXX XXXX, and also denied our claim for wire transfer fraud. 
We have no idea how our Wells Fargo accounts were breached, why the bank did not inform us of suspicious activity in our accounts? What IP address was used by the criminals to access our accounts? No money transfers were ever initiated by us throughout our 15 year banking history with Wells Fargo., All of a sudden all our money is being transferred and the bank did nothing to alert us and no red flags were raised? 
No one at Wells Fargo has bothered to answer any of our questions, what investigation have they done for fraud? 
Why we didnt receive any warnings, emails or texts to alert us on the transactions in a timely manner? All we got from Wells Fargo is denial form letters with no signatures, we are confused and distraught and they are giving us a run around and treating us, their customers, in a very unfair and condescending manner. 
We are disputing and appealing the denial, we hope that Wells Fargo will do the right thing and investigate this fraud. Their own bankers have told us that wire fraud is an ongoing issue at the bank, why there was no cybersecurity services to proactively safeguard our accounts and improve our security posture. We trusted our bank to safeguard our money and they failed us.

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 2021-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dont recognize/ old sold vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: U.S. BANCORP
State: TX

Complaint narrative:
Dont recognize/ old sold vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us bank- 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 explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I opened a Paypal Business Account on XX/XX/XXXX. I have been a customer of Paypals since XXXX -- almost a decade. I have previously had both a personal account as well as a business account and have never had any prior issues. I decided to open a new business account since I have started a new venture and would like to separate the finances from my other account. 

On XX/XX/XXXX I received an email with the following subject line : We need some information regarding yourPayPalaccount. ( Ref ID XXXX ). The email read that I needed to provide some documents and my account is limited and I won't be able to send payments or withdraw my funds. On XX/XX/XXXX through XX/XX/XXXX I uploaded and provided them the requested documents ( Passport, SS #, etc ) as well as tracking information from the first three purchases on my website. On XX/XX/XXXX I received an email with the subject line : You can no longer do business withPayPal ( Ref ID - XXXX ). Immediately after, on XX/XX/XXXX at XXXX XXXX  EST I called Paypal Customer Service and had a 58 minute phone call with them. I asked for the reason why my account was permanently limited. The representative told me that they can not tell me the exact reason, but that the decision is final and can not be resolved. I asked them if this was a misunderstanding and if I had potentially uploaded a file wrong or if they needed any additional information. They said no and said that my information was high risk or possibly fraudulent. I asked for specifics so I could simply fix the issue, but they said no and assured me the decision is final. I asked to be transferred to someone higher up in their department. I was transferred to a man named XXXX who is a department lead and he told me all the same things. He told me that an individual from his team had reviewed the information I had submitted and that I was flagged as a potential risk. I got off the phone with no additional answers or explanations and I am at a loss. 

I am very frustrated because I have been a customer of Paypals service for literally a decade. I have never once had an issue. I have never made a fraudulent purchase or sale. I have always provided the information they needed from me at the time it was requested, and I have always had the same bank account. There has literally never been an issue. 

There is {$69.00} stuck in the account and I can not withdraw the funds for 180 days and Im not sure I can after that either. Paypal is keeping me in the dark on this decision and process. I have stopped taking payments through PayPal on my website until this is resolved. Paypal also conveniently took their fees out for themselves before shutting me down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX XXXX  was fraudently withdrawn from my checking account. They were all unauthorized tranactions. This person. Withdraw XXXX $ into their XXXX XXXX account. I filed a police report. Stating there were unauthorized transactions my first complaint to citi bank was rejected then i rifled an appeal XXXXXXXX XXXX  XXXX it was denied too!

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: AES/PHEAA
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Pennsylvania Higher Education Assistance Agency violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: The Best Service Co.,Inc
State: CO

Complaint narrative:
I have been receiving letters and calls from " The Best Service Company '' regarding an invalid debt. They have it on my credit report and refuse to remove it even though the original debtor removed their complaint. XXXX XXXX XXXX XXXX messed up on a closed account, leaving it open and collecting fees. They then turned it over to these shady credit collectors. I disputed the original XXXX XXXX XXXX XXXX claim and they agreed and removed their claim from my credit. The Best Service Company has been given the same information and is refusing to remove their claim from my credit reports. I have received a new letter from them saying I have to give them more information or they will continue reporting until I satisfy their inquiry. XXXX XXXX XXXX XXXX removed the original charge and are no longer reporting it! These people are scammers. I have tried calling and each time, get disconnected. Their website is NOT at all helpful, only allowing you to pay or inquire by giving tons of excess mandatory info to submit. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 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: College Ave Student Loan Servicing, LLC
State: IL

Complaint narrative:
I have a loan inquiry for a college loan I didnt authorize so I called the loan Institute and got no where Im XXXX and I didnt apply for a loan to go to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
This is a medical bill collections. But, my health insurance company covers ALL medical costs at 100 %, no matter the procedure, what the visit is for, etc. I DO NOT owe this money. My insurance COVERS IT. I tried to dispute through XXXX and nothing was done about it.

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 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: AL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: WI

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Last year because when I was going thru a rough time due to going thru a divorce my accounts where closed after years of being with Chase for overdraft fees.

Company response to consumer: Closed with explanation