vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I recently filed a complaint, number XXXX, against XXXX XXXX  regarding the return of funds that XXXX XXXX was holding after diverting money from a fraudulent account that I had wired {$23000.00} to. The transaction was stopped by XXXX XXXX  because they saw the funds were going into a fraudulent account. They want to give the money back but Wells Fargo Bank, my bank, the account that the funds came from, won't cooperate with the process that XXXX XXXX  wants to use. XXXX XXXX wants a Hold Harmless Letter from Wells Fargo to release the funds but Wells Fargo doesn't recognize a Hold Harmless Letter and offers no alternative to resolve the situation. XXXX XXXX  wants me to have the money, but Wells Fargo has made it impossible. XXXX XXXX  has closed their case because they have run out of options to come to a resolution. Wells Fargo won't work with them to return my {$23000.00}.

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 2022-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
This is an additional a new issue with Mariner Finance! I already filed one complaint about them not working with me after I had to have emergency XXXX XXXX costing me {$5000.00} in XX/XX/XXXX and so had to give them a promise to pay as they immediately sent me a letter threatening to sue me a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has never been late before and living on XXXX modest income!!! 

Today after my car payment and {$650.00} payment on my surgery came out I did not have enough left to pay the {$800.00} I had told them I would try to pay, so I went online to try to set up a payment for my next payday XX/XX/XXXX and it would not allow me to set it up and told me to call the office if I could not pay the full {$1200.00} that is behind today so not even allowing me to pay the {$800.00} they lied to you and said they would accept on my last complaint!!! 

I then called the XXXX IL office and the call went directly to voicemail do I left a message telling them all and asked them to return my call. No one called back and the last time I left a message in XX/XX/XXXX on the voicemail they denied receiving it. I then called again a few hours later and talked to the manager and she claimed there was nothing she could do and that that was a 15 day notice that they sent me before and I know this right? So basically after asking her if they could wait until I get my W2 from the State of IL and file my taxes or until my next check that I can use mid XXXX all she did was threaten to sue me and bully me and claim to add note to account!!! I am tired of them bullying and harassing me and not allowing me to pay later and work with me!!! Please contact them and enforce the laws!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/XXXX my house was visited by XXXX women XXXX of which was identified as XXXX XXXX. She attempted to forcibly enter against my XXXX mother she attempted to damage private property and she made threats on both me and my parents lives on a recorded car in addition she made mention that she had all of our Social Security numbers that she obtained from her job and that she was going to end us. I dont know this person however when I looked her up I assume that she worked for XXXX Bank I contacted them they confirmed that she did not work for them somehow someway in her LinkedIn profile it said that she worked the Bank of America XXXX contacted them back in XXXX or XXXX of XXXX. They had an investigator contact me regarding the matter saying that this person does not work at their establishment and assured me That no information of mine or my mothers was breached however on XX/XX/XXXX to the party disclose she does work for Bank of America and also verbalize that Bank of America informed her of my contact. She relayed she works for Bank of America and works from home. So Bank of America lied to me when they said that this person was not employed with them. In XX/XX/XXXX my identity was stolen where someone attempted to take out a loan in my name. in XX/XX/XXXX again a fraudulent claim came across my credit card with XXXX. This party who works for this banking institution has been relentless in sending me numerous threatening text emails and voicemails indicating that she has connections to be able to see all my information and in my life. We are currently an active court proceedings because this person is relentless in her harassment and threats

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 2022-01-25 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 was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of 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 non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
i am a regular consumer with several regular credit cards, a postal address, etc. I purchased a prepaid mastercard from XXXX 's ( XXXX ) in XXXX. I put {$200.00} on the card. I wanted to make a discreet online purchase, so I wanted to pay using the prepaid card so that it wouldn't show up on my bank account for other family members to see. 

Only once I open the card packaging, it informs me that I have to register the card online ( at XXXX  ). fine! that's okay, as long as they don't send me anything to my address. I put the 16-digit number into the webpage and it says there's a problem. I try again. I try again. I call the customer number. I wait 30 minutes on hold. the customer services representative informs me that the number has been used in a fraud and the ONLY possible way they can remedy the situation is to SEND a physical card to my address. Obviously, that's not an okay solution for me. To be clear, I don't mind giving my address to the website, but I absolutely don't want anything sent to my physical address. I discuss options with the customer services person. I speak to a supervisor. Nothing. it's as if they have had this conversation a hundred times before. 

I give up. I fume for a few days at my lost {$200.00}. Then I go and buy another card ( this time for {$150.00}, I found a cheaper online test ). I purchase from a different XXXX store, and use XXXX rather than XXXX. guess what? SAME THING HAPPENS. 

I'm now {$350.00} out of pocket ( plus purchase fees ) with the feeling that the gift card company knows exactly what's happening and loves taking my money and not giving it back.

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 2022-01-25 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: TX

Complaint narrative:
These unfair mechanism has broken plenty of laws and taken advantage of me the consumer by not taken my claim seriously, This has caused me an financial burden, financial injury and defamation of character because of a 30 day no response

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 2022-01-25 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: TX

Complaint narrative:
These unfair mechanism has broken plenty of laws and taken advantage of me the consumer by not taken my claim seriously, This has caused me an financial burden, financial injury and defamation of character because of a 30 day no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
I'm trying to apply for a Mortgage/Home loan. While my lenders perform credit check, they come back stating that the credit history doesn't exists and few come back stating FICO doesn't exists. Request you to help me in adding my credit history/FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I'm trying to apply for a Mortgage/Home loan. While my lenders perform credit check, they come back stating that the credit history doesn't exists and few come back stating FICO doesn't exists. Request you to help me in adding my credit history/FICO score.

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 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I returned a large purchase on my Chase XXXX XXXX XXXX VISA on XX/XX/XXXX. This resulted in a credit balance of XXXX. I called on XX/XX/2022 at XXXXXXXX XXXX  EST to discuss my balance being refunded to me. I was told an electronic refund was quickest. I would receive an email in the next 23-72 hours to process this request. 
On Monday, XX/XX/2022 at XXXXXXXX XXXX EST, I called again because I had not received the email. After 12 minutes the agent returned saying that because I had made charges the new amount would be credited. I would receive an email within 24 hours and once I responded to the request for information, it would be credited to my account within 3 business days. I have yet to receive the email. I called Chase XXXX XXXX XXXX customer service on XX/XX/2022 and was told it was processed and there is nothing further they can do. I would have to wait for it in the mail. Which means they have been using my money interest free for over 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 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: WI

Complaint narrative:
I XXXX XXXX XXXX have disputed this situation for years with Trans Union and XXXX Credit Bureau. Pertaining a bankruptcy, a chapter XXXX and a chapter XXXX I have submitted forms from the US Bankruptcy court and from XXXX XXXX stating their information was deleted. The courts told me that they do send the credit bureau no one information or verify. But when i dispute it, they come back and tell me that the US Bankruptcy courts verified it and it's a lie. So please help me clear this bankruptcy off my credit report. 

contact me at 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 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
Upon recent review of our credit reports we discovered a collection account being reported for XXXX XXXX. I immediately submitted a dispute to all 3 credit bureaus for both my husband XXXX and myself. I also sent FCO a request for verification. FCO sent us a huge packet dated XX/XX/2021 with information from XXXX XXXX attempting to collect {$910.00} In response to this newly discovered information, I sent both companies a certified letter contesting these alleged charges. Neither company has responded. Yet, FCO continues to verify this account as accurate on our credit reports. Per the FCRA it is illegal for anyone to furnish inaccurate, unverifiable information to any credit reporting agency. Which they are doing. NO debt is owed. In fact XXXX XXXX is committing Fraud. By attempting to charge illegal fees which they know to be false with no proof. XXXX XXXX failed to comply with the AZ landlord tenant and owes us a refund of our security deposit. If they continue to pursue this invalid claim against us we will pursue damages in XXXX court for their willful violations of the FDCPA and FCRA, As well as seek compensatory damages for two times our security deposit. Consumer protection laws exists to prevent companies from taking advantage of consumers. Both companies need to be held accountable for their illegal business practices.

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 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc.
State: MD

Complaint narrative:
Good Day I received a letter from the Sentry Credit about an alleged debt received on XX/XX/XXXX. I responded with an dispute onXXXX with a certified return request letter from the US Postal Service asking Sentry to validate the debt. this was my second time I requested Sentry to validate the debt. This company has failed to validate this account on multiple occasions. Sentry failed to provide legitimate proof to include a signed contract as requested on my original letter to Sentry Credit. 

I received a return letter from Sentry Credit on XX/XX/XXXX providing a statement that I have attached without an exact amount listed, I did not receive a copy of a contract with my signature that this debt is indeed mine. A bill is not proper validation of the debt and they are not the original owners of the debt. I have to protect my financial interest to assume that any debt, bills, or any other financial obligations indeed are indeed mine during this time of so much fraud and malice. I also have a right within the FDCPA to request a copy of a signed contract to assume responsibility of a debt ; as this ensures that this creditor has the right person and a method of validating the debt. Sentry credit also did not remove the alleged debt from my credit file during the 30 day verification process a violation of 15 USC XXXX  ( 1000.00 ). 

This company has knowingly violated 15 USC 1692g ( 1 ) the exact amount of debt owed. 

15 USC 1692i ( a ) signed contract.

15 USC 1692k ( a ) Creditor still reported on my credit file during debt validation process. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: TX

Complaint narrative:
On XXXX XXXX I realized that my debit card with Netspend had been hacked and XXXX  XXXXwas withdrawn from my account. It looked like the hackers were using my card at different stores getting cash back or using ATMs but the only problem was my card was on my possession and I had not been to any of these stores. I immediately contacted Netspend and they advised me I would need to send an email to their fraud department with a list of the unauthorized transactions and someone would get back with me in 10 days. Well today XX/XX/2022 is the tenth day, I did not receive anything back from Netspend so I called them and was told by a representative that no error was found and the dispute was closed. The representative said they had not reached out to me because they had 10 more days to let me know of the decision. I stayed on the phone for over an hour with two different representatives to only be told there was nothing they could do, that they could not tell me how the money was taken or what they found in the investigation nor was I provided with their corporate offices number so that I could file a complaint or get more information. This is the worst experience I have ever had with a bank, I am out of {$710.00} with rent due in the next few days. What can I do to have the bank investigate this issue more deeply because I work too hard for my money and it not even be protected.

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 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I received a check of {$1100.00} on XX/XX/2022, from an individual who bought my item on XXXXXXXX This individual overpaid for the item in excess of {$920.00} and for that reason he asked me to refund him the balance after I deposited the check. I made the deposit through Navy Federal Credit Union app on XX/XX/2022 and an amount of {$220.00} was made available pending the clearance of the check. The remaining funds was made available after the next business day which was XX/XX/2022 which made me to believe the check was good because according to their mobile check deposit " Funds are available within 1 to 5 business days ''. However, this individual asked me to send the excess amount to two individuals on their XXXX account. First transfer to XXXX was an amount of {$220.00} and the second was {$690.00} after the check was cleared by Navy Federal Credit Union. 
On XX/XX/2022, Navy Federal withdrew my funds of {$1100.00} from my checking account so I called their customer service and also went to their branch in XXXX for explanation and according to them the check was bad. 
I am filing this complaint because my bank could not protect my funds in this situation since they allowed the check to be cleared in the first place and could not detect the check was a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
about 1 week ago I got 2 letters from Bank Of America stating they were lowering available credit limit because of some past due amount. I don't use the card but checked into it.. it turns out some scam company ( XXXX XXXX Service out of California ) charged {$16.00} for what looks like a credit bureau report XXXX Bank Of America chose to wait 1 year ( XX/XX/2021 ) of compounded late fee 's until the amount surpassed {$500.00} before notifying me... They made sure to state that my XXXX score was XXXX and that it would be a shame to have a delinquent mark on my credit history that would lower 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 2022-01-25 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have told this company in many letters that were certified that my address is XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX is the ONLY address that is accurate and that should be on my report. I also stated my current employer is XXXX. XXXX XXXX. They had corrected the addresses, then added these ones back : XXXX XXXX XXXX XXXX, MA XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX type XXXX family This account is FRAUD : Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXX, so I know they did not do everything that they can to make sure that my account was actually verified and they have yet to get back to me within 10 days of the METHOD OF VERIFICATION that I requested.

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