vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
I was instructed to deposit XXXX fraudulent company-branded printed checks via banking app mobile deposit ( unknown that these checks were fake at the time of the job scam- over 8 days time span ) Then I was to those funds ( via XXXX XXXX gift cards ) to the vendors so we could begin the equipment purchase order for my workstation at-home office Transaction dates and amounts : 1. Zelle {$2500.00} to XXXX XXXX on XX/XX/2023, ( XXXX ) XXXX XXXX. XXXX XXXX {$1000.00} to XXXX XXXX XXXX on XX/XX/2023, ( XXXX ) XXXX XXXXXXXX XXXX XXXX {$2400.00} to XXXX XXXX on XX/XX/2023 I was deceived into a job opportunity with scammers pretending to be real employees at XXXX XXXX XXXX. I was reached out to via email with an invitation to interview. The opportunity was something I had been looking for at the time, as I am struggling financially at the moment. It seemed too good to be true ( because it was ). The interviews and onboarding were conducted via XXXX XXXX  chat feature, aside from a second final interview over the phone in a XXXX minute call. They got ahold of my personal information ( I-9, W-2, etc. ), bank information ( direct deposit form ) after instructing me to hand-sign the offer letter. Upon " onboarding, '' they had me start a wireless plan with XXXX XXXX XXXX as well as purchase an XXXX and an XXXX for " work equipment '' that I would be reimbursed with in my sign-on bonus. Once I paid the {$180.00}, my devices were sent to me and then I was instructed by my " advisor '' to send the devices for proper installation and set up by technicians in XXXX. Devices are now lost/stolen and I am left with disputing this with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I don't have to be responsible for paying a services and device plan that is now a XXXX As part of onboarding next steps, they had me deposit equipment checks via the mobile banking app with XXXX XXXX, so that we could purchase my work equipment for my at-home office since the role was a virtual position. They began having me send money to third parties in different ways once some of the funds became available for withdrawal in my account. Until I saw a post on XXXX by the real XXXX XXXX nearly 8 days later warning about recent job scam at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Multiple complaints to Equifax in regards to an account that is not mine, FTC, affidavit and theft report submitted. Equifax continues to verify information is accurate and failed to respond to request of method verification. None of the other XXXX credit reporting bureaus have this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
on XX/XX/2023 I sent transunion a letter in regards to a XXXX  XXXX  they deemed to be verified. i asked for the written XXXX  with my signature to be provided and i have yet to hear back from this company with any regards to my letter that was sent to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I places and order but never get it and they are charging my acount >> I call so many time and they said that they will give me a credit back this it being couple of month now i call them the first time back on XXXX XXXX ... ... and XXXX  that i being calling XXXX XXXX and all XXXX  time XXXX  said that XXXX is being proces on my account but now they report XXXX  i have not make any payment and my credit it being affect for that XXXX  Order Number # XXXX {$930.00} total I pay {$200.00} on a gift card and the rest on my Kohls card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recall applying for a line of credit but due to the undisclosed fees and interest rates, I declined the loan. I am trying to purchase a home and this loan ( that I declined ) comes up on my credit report as if I owned money on the loan. I have called the XXXX XXXX several times to see if they can remove this horrible and harming debt from my credit report and they refused. I was advised that the bank is unable to locate the loan so they can not remove it. I called again and spoke with several rude representatives like XXXX XXXX ; that gave me a website : XXXX to dispute the line credit but that website wants me to pay {$90.00} to dispute something that should have never been reported. I am at my ends- wit because I am about to lose my lender on my home- if i can not get a letter to show that the debit is not valid or have the company remove the debit before I close on my home on XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
4 times have disputed inaccurate reporting of information to my Credit Bureau, never received any notification or documentation that a medical debt for an insured child was in collections from XXXX by DRS who is the one trying to collect the alleged amount owed of {$680.00}. The Collections agency is reporting that I opened an account in XXXX of XXXX and have been late since which has drastically effected my ability to obtain credit and falsely reported it does not report it is a medical debt and shows as an installment loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/23 at Bank of America, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX. XXXX XXXX XXXX authorized a deposit of my security instrument. Which was duly stamped, scanned and imprinted XXXX banking details to be Credited to account. Was then denied for deposit after it was accepted by the bank after being authorized for deposit by XXXX XXXX XXXX. 
Then went to advise that the bank can not deposit my instrument after duly accepting it for deposit into the trust account we have with Bank of America. Which is direct violation of Federal Banking Laws pertaining to deposits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: CT

Complaint narrative:
There was a recent job scam I had been a victim of which involved two checks ( that are fraudulent ) being deposited through the Charles Schwab mobile app. 
I was given these checks by the scammers pretending to be employees at a real company, so that I could " purchase '' my work equipment for my at-home office for this new job opportunity. Upon depositing via the Charles Schwab mobile deposit app feature, funds became available at the max threshold of the $ XXXX at a time, and over a span of three days, those amounts ( {$9800.00} to be exact ) were used to transfer funds for purposes of " purchasing work equipment '' from the respective " vendors. '' It was only once I realized on XXXX, XX/XX/23, that I had been deceived, I was able to report this information to Charles Schwab regarding the fraudulent activity on my bank account. After opening up those disputes, were the checks ( $ XXXX and $ XXXX ) returned by the bank. 
If this had not been the case, Charles Schwab bank seems to have no way of knowing/ detecting this otherwise ( that the checks were fake ). And now I am currently sitting at a loss of nearly $ XXXX from that money from fraudulent checks lost in transfers via XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  and others. 
Please look into these XXXX checks with the respective banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and routing + account numbers on the checks themselves - you can find them in the zip file folder attachment below. 
XXXX dispute cases that have been opened up in my name ( XXXX XXXX ) : XXXX. Schwab Dispute Case # XXXX XXXX. Schwab Dispute Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I received a letter from Wakefield and Associates, LLC on XX/XX/XXXX stating that I owed {$1100.00}. I contacted my insurance company ( XXXX ) who sent me the EOB ( Explanation of Benefits ) which showed that the original charge was {$1600.00} and the XXXX Member Discount was {$1100.00}. XXXX paid {$420.00} on XXXX which was the difference. I, as the member, did not owe anything else toward this bill. I informed Wakefield of this via phone, email, and letter via postal mail on XX/XX/XXXX and again on XX/XX/XXXX. I filed a dispute with XXXX to have the collection removed but they did not and continue to report this bill fraudulently which is negatively affecting my credit score. This is the email I recently sent to the company : My name is XXXX XXXX. My DOB : XX/XX/XXXX SS # : XXXX I am writing this email to demand that you have this account ( Wakefield XXXX ( # XXXX ) removed from my credit report immediately. I had contact with one of your representatives ( XXXX ) on XX/XX/XXXX and also sent an email with proof of payment from the insurance company on that date as well. I sent the verified information to the email address she gave me ( XXXX ) showing that my insurance company paid this bill on XXXX. I am including the EOB with this correspondence. The amount that you are trying to collect from me is the amount that is contractually discounted between the doctor and the insurance company and XXXX XXXX XXXX XXXX paid the remaining balance which shows that I do not owe anything on this bill. Your reporting of collections of the bill is not legal and is hurting my creditworthiness and reputation. I have written letters to XXXX and the other credit bureaus detailing this information. Again, I am including proof that I do not owe this bill and I request that you please have it removed immediately ( within 30 days ) and update the credit bureaus accordingly. 
Due to the fact that this is my 3rd communication about this matter, I am also notifying the Tennessee Collection Service Board of the Department of Commerce and Insurance and the Division of Consumer Affairs at the Attorney Generals Office at XXXX : XXXX. of your unwillingness to comply with the state law from which you are licensed. I am prepared to and will sue your company for the maximum civil, criminal, and punitive damages available by law. 
Please inform me via email and postal mail when you have deleted this account, updated the credit bureaus, and have rectified this situation that is causing me great harm in this unstable economy. 
Thank you. 
XXXX XXXX XXXX XXXX I also included a copy of the EOB from XXXX showing that the bill was paid and I don't owe anything along with the bill that came from Wakefield with their numerous account numbers on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account has been sold to debt buyer. XXXX is reporting as an open account with XXXX late and 11 monthly past due information to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( Account XXXX ) continues to report the account, despite the fact that New York state law ( New York State 5 Year Purge Rule For Paid Collections/Charge Offs GBL 380-j ) prohibits this after 5 years from the date of the first delinquency, if the account is paid. Credit Bureaus also refuse to remove that account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( Account XXXX ) continues to report the account, despite the fact that New York state law ( New York State 5 Year Purge Rule For Paid Collections/Charge Offs GBL 380-j ) prohibits this after 5 years from the date of the first delinquency, if the account is paid. Credit Bureaus also refuse to remove that account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX the primary on the car loan reached out to Credit acceptance to have a payment plan set up due to a financial hardship. They agreed to the payment plan, and we asked if it would affect the credit which we were told no it would not. I as the co-signer have been monitoring my credit report since XXXX when I got a notification the account went to delinquency. I filed a report with them that this was incorrect not only were we told that it would not affect my credit but also the amount owed. When myself as the cosigner saw the delinquency, I went ahead and paid it fully the total amount was XXXX and some change on the credit report they reported it as XXXX. Which is fully incorrect information. When i filed with Credit Acceptance they claim it is fully correct to report the false information along with a delinquency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I Requested the closure of XXXX XXXXXXXX XXXX  XXXX ( XXXX ) on XXXX XXXX via support live chat, the chat specialist answered me that the account was successful closed. After some time, i saw in my credit report that i had late payment for XX/XX/XXXX and XX/XX/XXXX. After contacting the company, i was told that the account can only be closed by calling the support service, which does not coincide with the conditions indicated on company 's website. The company refused to delete deliberately false records of late payment that were received after i requested account closure. Contacted with company with XXXX ask to removal and trying to dispute, but XXXX XXXXXXXX XXXX  XXXX, refuse delete that inaccurate info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/2023, I opened a Chase Sapphire Banking account and JP Morgan Self Directed investing account. I opened the accounts to consolidate my wealth and deposit a JP Morgan check given to me by a third party. I opened the checking account, and deposited the JP Morgan check, which was put on hold for a significant amount of time. 

I linked my XXXX XXXX XXXX XXXX XXXX account using the XXXX deposit method. After linked, I attempted to deposit {$100000.00} into my JP Morgan self directed investing account. Shortly after, my account was frozen. 

I reached out immediately to Chase phone support, who unlocked the account and told me to resubmit the transfer a different way. They told me the initial transaction was declined. 

I decided the better solution was to initiate the transfer from my previous bank, XXXXXXXX XXXX XXXX instead. I initiated the transfer but the account was locked shortly there after. 

I went to the nearest Chase branch, who helped unlock the account by calling XXXX to confirm the transaction was valid, as well as validating my ID. 

My chase account was locked again after purchasing a Treasury bill on XX/XX/XXXX with the newly available funds in the JP Morgan Self Directed Investing account I spent hours on the phone trying to get an answer, who told me the bank initiated a closure. One representative told me to go back to the bank branch to unlock it. 

I went to the bank branch who were shocked by the developments, and spent several hours trying to get the problem resolved, reducing the investigation from 10 days to XXXX. 

I reached out to Chase executive relations who promised to investigate as well. I did not hear back any details. I reached out to the branch who were under the impression I knew the account was in the funds disbursement phase of closure and I had been notified. 

During this time, I have had no access to my savings and the check for {$4000.00} I deposited and a direct deposit was declined. I had to use my small amount of funds remaining in wealthfront to make minimum monthly payments on cards to hold me until my next paycheck, putting a financial burden on me with interest fees I did not intend of accruing. 

XXXX office case id number # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
I contacted Coinbase about my transaction to a person with the correct address. They informed me that the recipient got the money. Further research revealed they sent it to the wrong person. Despite providing clear documents, Coinbase hasn't addressed the issue despite multiple calls. The amount is {$1400.00}, and the date was XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
OPT OUT OF ARBITRATION LETTER XXXX XXXX XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX nd terrace XXXX XXXX XXXX FL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Whom It XXXX Concern : I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with ( TransUnion, or XXXX ) through arbitration. 
Again, I reject the arbitration clause in the ( TransUnion, XXXX ) interactive service agreement. 
Thank you for noting my account. 
Sincerely, 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 explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After multiple disputes with Experian submission for method verification was sent. Experian failed to respond or correct the ongoing reporting error. 

The other two credit bureaus do not show this information, and the inaccuracy continues with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation