vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I made a mortgage payment via the payment portal on the XXXX website. 
The payment was due XX/XX/2023. 
The payment should have broken down as follows : Principal & interest : XXXX Escrow : XXXX Additional principal : XXXX This is a simple payment made via the bank 's website payment portal. I didn't request anything out of the ordinary. 

The follow day the bak applied the entire payment to principal. 

This is the 5th time this has happened. 

I'm not sure why this bank insists on not applying payments properly, but it appears they are attempting to make me late on payments and default on the loan. I'm not sure what other conclusion can be drawn after continuing to make payments in a timely manner and continuing to have them misapplied. This is intentional. It is intentional fraud. It is intentional theft, and I will not STOP until Fifth Third bank is out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Subject : Dispute and Resolution Request Incorrect Reporting by Credit Reporting Agencies for XXXX XXXX XXXX : Personal Loan ACCOUNT NUMBER XXXX To Whom It May Concern, I am writing to formally file a dispute and resolution request regarding inaccurate reporting by credit reporting agencies, specifically related to a debt cancellation event supported by a 1099-C Form. This dispute centers around an account for which I have received a 1099-C Form for the cancellation of debt from the bank that identifies itself as the loan servicer. However, the outstanding balance on this account has not been correctly reported as zeroed out, despite the debt discharge. 

Account Information : Company : XXXX XXXX XXXX Account Holder Name : XXXX XXXX Account Number : Personal Loan ACCOUNT NUMBER XXXX Date of 1099-C Form : XX/XX/2023 The issuance of the 1099-C Form by the bank that claims to be the loan servicer signifies the cancellation of the debt associated with the aforementioned account. However, credit reporting agencies have not accurately reflected this significant event in their reporting. I believe that these agencies need to demonstrate a good faith effort to display the XXXX balance as the debt has been duly discharged. 

Enclosed with this complaint is a photocopy of the 1099-C Form for your reference. It provides clear evidence of the cancellation of debt associated with the account in question. Therefore, I respectfully request that the CFPB intervene to facilitate the following resolution : Resolution Request : 1. Immediate Removal or Correction of Reporting : Credit reporting agencies must promptly remove or correct the reporting of the account in question to accurately reflect a XXXX balance, consistent with the debt discharge as indicated on the 1099-C Form.

2. Cease Negative Reporting : Credit reporting agencies should cease any negative reporting associated with the discharged debt, including but not limited to late payments, defaults, or other derogatory remarks related to this account. 

3. Confirmation of Corrected Reporting : Credit reporting agencies must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a XXXX balance and that negative reporting has ceased. 

I firmly believe that this dispute and resolution request will lead to a fair and accurate resolution of this matter. I kindly request that the CFPB investigate this issue and ensure that the credit reporting agencies comply with the applicable regulations and guidelines governing accurate and fair credit reporting. 

Thank you for your attention to this matter, and I look forward to a swift and accurate resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX Report of Fraud Dispute With Chase Bank In XXXX of XXXX I discovered that my Chase credit card had been fraudulently charged to an XXXX account on a ongoing basis from XXXX. I identified the charges by comparing my bank statements with a list of transactions from my XXXX account. I found 107 charges on my credit card that I did not make and did not appear on my XXXX account transaction list. The charges are listed and attached. 

All of the charges were made to Chase # XXXX. That account number was closed by Chase ( without explanation ) in XX/XX/XXXX and replaced with # XXXX. Fraudulent charges to XXXX made on XXXX continued to be paid by Chase from my XXXX account through XX/XX/XXXX even though XXXX was closed. 

A fraud report was made by me to Chase. They claimed to have investigated and determined that all charges were legitimate. I asked them to reopen the investigation which they did and they came to the same conclusion. I then contacted XXXX and asked them to investigate one of the charges selected at random. They determined that the selected charge was indeed fraud made by someone else using another account shipping the product to another location ( see attached email from XXXX ). I asked Chase to reopen the investigation in light of this new information from XXXX. They reinvestigated and determined that the charge was legitimate. 

I believe that Chase is not acting in good faith. They are claiming that charges that are clearly fraudulent are in fact legitimate. They give no explanation for their conclusion and they do not report what they did to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: KEYCORP
State: PA

Complaint narrative:
These inquiries are unauthorized. 

KEY BANK XXXX XXXX XXXX XX/XX/2023 KEY BANK N.A. XX/XX/20XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: TX

Complaint narrative:
I HAVE RECIEVED ANY VERIFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANYS ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS.

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 2023-09-30 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: TX

Complaint narrative:
I HAVE RECIEVED ANY VERIFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANYS ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I received an email from Affair on XX/XX/XXXX regarding my billing address being updated and adding a XXXX XXXX XXXX XXXX As I did not recognize the action, I decided to call and confirm what was happening. I was hit with the news that I had requested a loan to pay a vendor by the name of XXXX XXXX. I was beyond surprised and immediately advised them to stop everything as this was not me. They explained that they would investigate and stop all processing. According to them I would hear back within 3-5 days. I called back XX/XX/XXXX to confirm that the loan was not processed and that the investigation was still running its course. However, I was hit with another shock, the loan was processed and funds were sent to the vendor. I asked why this happened if I had called and requested a cancellation/stop as this was 100 % fraud. The person on the phone explained that although the investigation was opened it was also closed on the same day without an outcome. The account was also supposed to be locked but that also did not take place. Their excuse was that this person did not know what they were doing. After I expressed my frustration and requested to speak to someone else, I was told by this person that they didnt have a supervisor as they were the supervisor and they stopped speaking but remained on the line. No matter how much I spoke they remained silent. I disconnect and called back, I spoke to a supervisor to try and understand why this loan was still processed and what were the next steps. He said he couldnt verify me because I couldnt verify the email on address ( which was changed by whoever attempted to get this loan ) but after placing me on hold, he came back and said that he was able to confirm that an investigation was opened on XX/XX/ and that it could take up to 30 days to complete. I asked what would be the impacts to my credit if this fraudster decided not to pay and he didnt really answer. After I began expressing my frustration to the fact that they allowed this loan to process despite being told that it was fraud, this person disconnected my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
My loan payment count is incorrect by 14 and 15 qualifying payments. Mohela has undercounted each loan between 14 and 15 qualifying payments. I have made several attempts over the phone-sometimes waiting up to 2 hours on hold. I have also made several written attempts, including another written attempt today, XX/XX/XXXX. Mohela has failed to answer any written attempt. The count has not been corrected and Mohela has provided no reason as to why they have failed to correct it, or why they believe the 14 and 15 payments ( for each loan, respectively ) are not qualifying. 
To note : documentation has been provided annually, re-certifying my employment eligibility since payments began XX/XX/XXXX. Mohela has provided no information and no correction, even in light of annual re-certification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Report of Identity Theft and Fraudulent Account Openings by Bank of America and XXXX Dear CFPB I am writing to report a case of identity theft and fraudulent account openings perpetrated by Bank of America and subsequent reporting to XXXX. The events transpired in XXXX, where three accounts were opened by an individual using the name XXXX XXXX and my social security number, albeit with incorrect personal information. 

The fraudulent account openings occurred as follows : XX/XX/XXXX : First account opened XX/XX/XXXX : Second account opened XX/XX/XXXX : Third account opened All accounts were closed in XXXX. Bank of America accepted the applications and facilitated the account openings despite the provided incorrect personal information, including the discrepancy in the name not belonging to me. Furthermore, Bank of America reported these fraudulent accounts to XXXX, and XXXX consistently accepted and reported this false information every month. 

My attempts to gather information regarding the reporting party to XXXX were met with resistance from XXXX agents, who declined to provide any details or disclose the identity of the entity that reported these fraudulent accounts. 

This situation has had a significant impact on my financial wellbeing, credit standing, and overall peace of mind. I have taken steps to dispute and rectify these fraudulent entries, but the lack of cooperation and transparency from both Bank of America and XXXX is deeply concerning. 

I kindly request that the Federal Trade Commission investigate this matter thoroughly and take appropriate action to rectify the harm caused by this identity theft and fraudulent reporting. Your assistance in resolving this situation and ensuring such incidents do not recur in the future would be greatly appreciated. 


[ 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 explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of my credit report. The INQUIRIES, I am disputing do not relate to any transactions that I made or authorized. Please remove or DELETE THIS INFORMATION FROM MY CREDIT FILE. I dispute these INQUIRIES : XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX Inquired on 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 explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Someone reported a number of inquiries on my credit reports. I have no knowledge of them and would like to file a complaint to have the credit bureaus remove them. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Someone reported a number of inquiries on my credit reports. I have no knowledge of them and would like to file a complaint to have the credit bureaus remove them. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On Friday the XXXXXXXX XXXX XXXXXXXX, i filed a complaint to Wells Fargo about a scam I was part of. I was looking around for a dog that I wanted and I found one on this website. The website is known as XXXX XXXX XXXX I had messaged this person asking for information about the dogs he was selling and he was asking me questions about my lifestyle and such. I had then agreed with him to purchase the dog and that would include airfare as well since the dog was not from my state. He sent me proof of his breeding license and his ID so I thought it couldnt be fake. I had also gotten proof of purchase as well with both of our signatures. I also received many pictures as well of the puppy. I then realized later that he had taken XXXX dollars and I was out money and a dog then had sent me to a transportation company that took more of my money adding up to a total scam of XXXX all together. The transportation company took XXXX for a thermal crate because on the day I had bought the dog, it was hot outside. The company for the transportation company is : XXXX XXXX XXXX I then asked for a refund from from wood transport and they wouldnt give it to me until the puppy showed up and they then tried to get more money from me for asking for another XXXX dollars for paperwork for the puppy and threatening me saying if I dont purchase this and that, they would report me to whoever. I then reached out to Wells Fargo right away and they then told me that the payment was processed as requested and no errors occurred. They never reached out to ask me more information about the scam when I had told the original person who I was talking to on the phone I had proof of everything. I had been waiting for them to call and email and I gotten nothing in return.

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