vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XX/XX/XXXX ( TUESDAY ) To : CFPB From : XXXX XXXX XXXX : Bank of America Acct. # : XXXX XXXX Denied 1, Refer to XXXX XX/XX/XXXX ( Tuesday ) CFPB Complaint. 
2. XX/XX/XXXX Bank of America retaliated and closed my checking and savings accounts. CFPB closed the complaint # XXXX regarding this issue without it being resolved by Bank of America. I was not informed by the bank of the closing of accounts. 
3. Bank of America Online : Access Denied : XX/XX/XXXX- Present. 
4. Bank of America reinstates account XXXX XXXXXXXX, but, denies me access. Example : XXXX XXXX opening accounts without informing the clients. See attached : Bank of America access denied. 
5. Bank of America : sends out a Bank of America Statement dtd. XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. Note : XXXX XX/XX/XXXX to XXXX XX/XX/XXXX is a month + 1 day. 
6. Bank of America : Deposits and other additions : {$28.00}. XXXX XXXX is not aware of the account ( XXXX ) being reinstated, nor deposits made by Bank of America. 
7. Bank of America : XX/XX/XXXX Withdraws the {$28.00}, FORCE CLOSED ACCOUNT. 
8. Bank of America Email : Your Balance Connect for overdraft protection preferences have been updated. See attached. How can Bank of America have an overdraft protection with my name attached to the account, when informed in XXXX my accounts were closed ( see previous complaints. ) This is fraud. See attached XXXX XXXX. 
9. The fake reinstated did replace the POD. 
9. Bank of America : Has denied my request for bank records for the years : XXXX and XXXX. 
End.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I received a letter from Exeter Finance, LLC dated XX/XX/2024 stating that they have sold my information to a third party, XXXX XXXX XXXX XXXX XXXX. This is a direct violation of my right to privacy as I did not consent to have my personal and private information shared with anyone. First, the definition of a financial institution is ANY institution the business of which is engaging in financial activities, so before this is negated and based on this definition, Exeter does in fact classify as a financial institution ( hence Exeter FINANCE ). Pursuant to 15 USC 6802 ( b ), financial institutions shall not disclose nonpublic personal information to a nonaffiliated third party unless the financial institution clearly and conspicuously discloses to the consumer that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Unfortunately I was never given the opportunity to state whether or not I want my information given to a nonaffiliated third party, nor was I told how I can exercise that right. Pursuant to 15 USC 6803 ( a ), financial institutions shall provide an annual privacy policy disclosure, however I have not received a disclosure from Exeter Finance whatsoever. If the account has just now been sent elsewhere, then I have should have been receiving annual disclosures pertaining to their Privacy Policy while the account was opened. Not to mention, this third party that now has my information doesn't even have a website. How can anyone determine whether or not this is a legit business?? XXXX XXXX XXXX has no legitimate business need to even have my information. Exeter Finance has blatantly deprived me of my natural rights which is a crime pursuant to 18 USC 242.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
In XXXX of 2023 I noticed XXXX accounts in collections from Transworld Systems Inc on my XXXX  and XXXX credit report. I called the company to have a debt validation letter sent to me but did not receive anything. I sent a debt validation letter via certified mail XX/XX/2023 and it was received by the company on XXXX XXXX. I did not receive a responding correspondence from the company. I disputed the account with XXXX  and XXXX and they were both removed from the XXXX  report and only one of the accounts were removed from my XXXX  report. I called the Transworld Systems Inc. again to dispute the account with them and asked for a debt validation letter via email and still have yet to receive any correspondence from the company.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My account with Capital One was never late! I have had exceptional payment History With Capital One and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Capital One never sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule XXXX and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports Capital One - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, my mother and I opened a joint savings account at our local Chase Bank branch to deposit family inheritance from XXXX. The accounts ' purpose was explained to our local branch manager at the time, and it is our understanding that such transactions are authorized under existing regulations ( for example, Section XXXX of the XXXX Transactions and Sanctions Regulations ). I am also an existing Chase bank customer, have been banking with Chase for several years. 

On XX/XX/XXXX the first check for {$35000.00} was deposited ( remotely ), followed by a check for {$33000.00} on XX/XX/XXXX. In all, XXXX checks were deposited totaling {$69000.00}. Given the size of the transfer and the lack of direct banking relationships between the U.S. and XXXX, the funds were sent via several transfers. 

On XX/XX/XXXX, we verified the status of all XXXX deposits and Chase Bank informed us XXXX of the XXXX checks cleared. However, XXXX check was withheld for verification, totaling {$6900.00}. The bank explained this was standard banking practice. 

On XX/XX/XXXX Chase Bank closed our Savings account and froze all its funds, totaling {$69000.00}, again without customer notice or explanation. 

Despite a dozen phone inquiries, XXXX official complaints, and a written letter, we have been unsuccessful in making any progress in understanding where our money is, what the bank plans to do with it or even when/if the bank will return it. 

On a personal note this whole process has been extremely stressful on my elderly parents and myself. My parents are on fixed income and the money was intended for my fathers ' XXXX XXXX 

To date we have had absolutely no official communication from Chase Bank, which is unacceptable. These assets were transferred lawfully and while I am happy to provide additional clarification regarding them, Chase Bank has no right to seize the funds and keep them from our family indefinitely and without explanation. We urge the Consumer Financial Protection Bureau to look into this matter and urge that Chase Bank both communicate with us and release the assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: NJ

Complaint narrative:
In particular, I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX, which solicited me to invest substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. Some transfers were made through my wallet hosted by www.crypto.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
My complaint is with Citizens Financial Group Bank holding Company. 
Headquarters located at XXXX RI. contact number XXXX XXXX XXXX. 


On XX/XX/XXXX, my online banking account was a victim of online banking fraud. I have been denied the proper review process for a fraud claim. My account was charged off without proper documentation in regard to the fraud claim. 

All of these conversations transpired on a recorded line. 

I called the bank on XX/XX/XXXX. I was told that I should receive my money back. I did not hear anything back from the bank for a couple of weeks. When I called back in on XX/XX/XXXX I was told that the claim was discontinued. I asked the bank to change my mailing address as I believed that the information had been in the wrong hands at the old address. I informed them I was not the one who discontinued the claim. I then made a new claim on XX/XX/XXXX and I was informed on a recorded line that prior to the online banking fraud that I had {$450.00} and that I should receive my money back! I received a call on XX/XX/XXXX informing me that the bank saw no error they did not provide me with any supporting documentation for this claim. During this recorded call the representative informed me that she would not be giving me any further information, but she did admit that they had again mailed the information to the wrong address, which I again let them know that was possibly a source of the fraud. They told me they would call me back in two to three business days and never did. 

I have spoken to multiple representatives on recorded lines who confirmed that my account was a victim of fraud and there were promises made to return the funds and for me to receive a call back from the OCC. I have yet to receive any calls back or documentation from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: NC

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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:
I lost my access to my old CFPB account, that is why I created this. I thoroughly reviewed my credit report, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.

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 2024-03-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lost my access to my old CFPB account, that is why I created this. I thoroughly reviewed my credit report, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.

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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Between the dates of XX/XX/2024 to XX/XX/2024 XXXX unauthorized XXXX ACH transactions totaling {$12000.00} from my Arvest business bank account. When I logged into my online account on XX/XX/2024, these transactions were not showing, On XX/XX/2024, I looked back into to my online account and seen the previously mentions ACH transactions had been deducted out of my account. I contacted Arvest Bank on XX/XX/2024 to Inform them of the unauthorized transactions and was told to go into my local Arvest branch the next day and close my account. On XX/XX/2024 | went into the XXXX, XXXX Arvest Branch and closed my account that had the unauthorized transactions and submitted a claim to get my money refunded. Since XX/XX/2024, Arvest Bank continued to tell me that they were reviewing the claim up until XX/XX/2024 when they Informed me that they was denying my claim to refund my money stating that I only had 24hr to submit a claim based on XXXX  regulations. Additionally, on XX/XX/2024 | had contacted Arvest Bank and canceled my debit cards associated with this account due to my XXXX business ad account being compromised and informing then of potential fraudulent activity.

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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This Complaint is against Wells Fargo Bank. As per records on person : Claim # XXXX. 'This Claim was filed on your behalf in dispute of ( XXXX ) transactions made on a Platinum debit card ending in ( XXXX ) totaling {$9100.00} on XXXX XXXX, XXXX through XXXX XXXX XXXX. During our investigation of the claim, it was determined that you did not authorize the transactions. A letter was issued on XX/XX/XXXX. XXXX, stating that the Provisional Credit of {$8800.00} would be made permanent.

The replacement money of {$8800.00} was placed into an account without my knowledge nor approval- into an account not opened by myself, and under the control of the identity thieves- as countless phone calls, Emails, letters, and various communications to W.Fargo, - still W.Fargo would give me no help, nor give me any information on accounts in my name. This is my first experience with identity theft, however I am very ( OCD ) organized, detailed, keep notes on everything. etc. I had accounts disabled and deactivated to prevent all of this, when I first noticed my account Email had been hacked. 
And this is how the identity thieves restole the {$8800.00} again. In addition, the thieves had overdrawn one account for - {$1600.00} and also another of my accounts for - {$760.00} in my name at Wells Fargo. Wells Fargo has been a " XXXX XXXX '' for identity thieves And not to mention the hundreds and hundreds of hours of time and expense on my part.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  / XXXX  || Account Number : 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