vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Frost bank called and informed me of a banking account that was opened fraudulently. I have a credit freeze on all 3 credit bureauxs and this last week I lifted the freeze because me and my husband are applying for a loan for an RV. I received an email from frost bank stating an account was opened and I thought it was spam so I didnt look into it further. I received the phone call today from frost bank. I was told the account was opened using all of my information including social. I am concerned about this because when I lived in XXXX, Tx my car was stolen along with my identity a police report was filed but Im not sure if they found the people and I never got my stuff back. I had left my wallet in the car so my social and drivers license and passport were all in the car when it was stolen. This happened in XXXX of 2018. The banker said they used my XXXX address to open the account. I am concerned that the people who opened the account are the people who stole my car. The banker encouraged me to file this report. The account opened was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My daughter died. I contacted EQUIFAX to place a deceased notice on her file. I sent hard copies by mail of the death certificate, my appointment as administrator from the probate court, a copy of my driver 's license, my address, her social security number - everything EQUIFAX requested. I received a letter from them indicating they needed a death certificate- which I had already sent. I called again and was told the death certificate was uploaded by their mail room as a blank page. I sent another death certificate. I received another letter that they needed a death certificate. I called again. Keep in mind, when one deals with the company via phone especially, the call center is in XXXX. I spent at least 40 minutes on hold before I got a supervisor. This time they wanted my social security number, too. I refused and asked for a supervisor. I refused because I had already sent a copy of my driver 's license for verification. Finally, I was connected to someone in the XXXX who easily found all the information was in place after all. She placed a deceased notice on my daughter 's file and initiated a credit report on her. I do not understand why it took from XX/XX/2023, XX/XX/XXXX to finalize this issue. The American agent was professional and competent, handling the issue quickly. So, the problem has been addressed - finally- but it is important to lodge this complaint because the XXXXXXXX  of their call center goes beyond the acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
The collection amounts in question are {$490.00} and {$490.00}. These amounts are under {$500.00}, which falls under the guidelines provided by the Consumer Financial Protection Bureau ( CFPB ). According to the CFPBXXXX XXXX debts under {$500.00} should not be reported to credit bureaus. Therefore, I request that these accounts be removed from my credit report immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
This email is intended to report Wells Fargo involvement in a fraudulent transaction back on XX/XX/XXXX, in the amount of {$14000.00}. 

A Wells Fargo banker name XXXX XXXX had advised me several times that I could qualify for a HELOC, and I would have small payments, Which I declined every time he offered me this HELOC. On XX/XX/XXXX, I was approached again by mention banker " XXXX XXXX '' regarding a HELOC, and then I decided to request a HELOC in the amount of {$10000.00} which it was approved and deposited into my Wells Fargo checking account. 

In XXXX of XXXX, I was in the process of selling my house, and i noticed that my HELOC unpaid principal balance was still {$9800.00} " Approx. '' I went to the Wells Fargo branch, and I was told that it was accurate, they brought up to my attention about the " suppose '' HELOC that was processed on my behalf " UNAUTHORIZED. '' I proceeded to file a claim with Wells Fargo and waited for their investigation outcome. 

Weeks after, Wells Fargo responded and made me aware that on XX/XX/XXXX, there was a HELOC application in the amount of {$14000.00}, the application also had a co-borrower named " XXXX XXXX '' which I have no relationship nor involvement what's so ever with mentioned person. Wells Fargo also provided documentation where the HELOC application was signed by this individual and me " supposedly '' and for Well Fargo convenience, it was notarized by same banker that processed the HELOC application " XXXX XXXX. '' On that document, you can clearly see that my signature does NOT match my actual signature, I made Wells Fargo aware of this and their excuse always is that it was notarized by a Public Notary. Wells Fargo has not provided records or proof of this funds being paid out either by check, cashier 's check or direct deposit just like the actual and legitimate HELOC that was processed on XX/XX/XXXX, for the amount of {$10000.00}. 

Wells Fargo banker " XXXX XXXX, '', their Public Notary, processed a HELOC application for the amount of {$25000.00} when I had only requested {$10000.00}. Their intention was to pay off the UNAUTHORIZED and FRAUDULENT HELOC created on XX/XX/XXXX, in the amount of {$14000.00}. Therefore, the amount deposited into my account was {$10000.00} after the fraudulent HELOC was paid off. 

It's unethical and no fair for me as a consumer that Wells Fargo is trying to take advantage of me as a consumer for their own benefit. It is also OBVIUOS that their own Notary/Banker processed and notarized all documents such as applications and everything else.

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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF HAWAII CORPORATION
State: NC

Complaint narrative:
When depositing my cash into Bank of Hawaii 's atm, I received a printed note that stated that there was an issue with the ATM and that I needed to contact the bank. I deposited a total of {$1500.00} into the ATM and my account did not reflect any of these transactions. I called the bank and created a claim while giving the banker all of the information off of the ATM slips that I had received. I later got the compensation into my account while they reviewed the ATM transactions. A couple of weeks later, the bank withdrew a total of {$1100.00} out of out my account with then made my account ( - ). When contacting the bank, they stated that in dispute they did not see any transactions that I had made threw the ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I have sent several request to XXXX to correct this credit error but have not received any response. This is affecting my credit and I am not able to purchase my home. This needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Recently with Ollo Credit Card CompanyXXXX XXXX XXXX Then Ollo went to XXXX a few months ago. 

Then Ollo changed over to Ally. 
who is now telling me my interest charge is XXXX I called and asked them to lower it and some woman name XXXX who said she was a finance manager told me No.

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 2023-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover Student Loans is taking payments out of my account on the wrong dates that I have created over the phone with loan specialists. Most recently on XX/XX/XXXX, and XXXX, I spoke with specialists to discuss lowering my monthly payment. I currently pay {$680.00} a month. However, this payment increases often as my interest rate goes up. I have been told by multiple specialists through Discover Student Loans that there is nothing that can be done for me. I have asked to lower my monthly payment, increase my 15 year plan to pay them off to lower payments, consolidate the loans, as well as line up the dates closer to my pay days ( biweekly ). 
On XX/XX/XXXX, the company took out {$350.00}. I did not agree to XX/XX/XXXX, I consented for them to take out on XX/XX/XXXX, my payday. This caused me to pay an overdraft fee through my bank. My next loan was supposed to be taken out on XX/XX/XXXX. However, on XX/XX/XXXX, they took out {$420.00}. 
As a XXXX this takes so much out of my income that I am struggling to pay for day to day expenses like groceries, gas, medical bills, car payment, etc. It seems that every time I talk with them on the phone to try to get things fixed, it ends up worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 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 2023-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: PA

Complaint narrative:
This collection agency does not stop calling me after many times that I have told them, I've been a victim of identity theft and this account does not belong to me. It's been several years now and they as the company refuses to take it off my credit report and does not stop calling me. I have tried for them many times to stop calling me, take the collection of my three credit reports and nothing yet. Please assist with this matter. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I got involved as a victim of a big scam pretending to be people from XXXX and XXXX 's customer service. 

It started with me listing an item for sale on XXXX XXXX. The buyer said he could pay via XXXX, asked for my phone number and email, and then a fake XXXX email ( " XXXX '' ) and him started asking for more and more money to be transferred via XXXX, Venmo, PayPal, and XXXXXXXX XXXX for my account to become a " Business Account '' among other requirements, saying that they will refund all the money back once this is all done. This continued until I did not have enough money and I realized that this was all a scam. 

So, I have reported on these transactions through the apps too and to the XXXX XXXX XXXX XXXX. On PayPal, I have had XXXX transactions to these scammers ( XXXX pending ), and I wanted to at least cancel the XXXX " Pending '' ones because, as we have realized, they are to scams. 

Please, cancel those XXXX pending transactions and unable my money to be moved. Also, I have already filed a report on XXXX of the completed transactions on PayPal ( case ID : XXXX XXXX XXXX please get it processed, PayPal, and get my money refunded. 

I will be eternally grateful. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX I sent a dispute letter to all three bureaus ( XXXX, Equifax, and XXXX. XXXX My XXXX XXXXXXXX and two collection accounts from XXXX XXXX are hindering me from the home-buying process and they are not being reported accurately. I have tried to communicate with the bureaus, and the Creditors to no avail. They each send me from one of them to the next and I've been involved in a countless cycle of this is not our doing, contact the other to resolve. No one has been able to verify these accounts as accurate, and yet they have not been deleted off of my credit report. 

Attached is photo proof from my credit report that XXXX XXXX is inaccurately reporting my account. An account that I have paid on time, every single month since XXXX. I have had perfect payment history on all of my accounts for years- and somehow it is reporting I was on time all three years up to XX/XX/XXXX, and then magically in XX/XX/XXXX I'm suddenly 90 days late. This is literally impossible and reporting wrong. I immediately requested that this entire account be removed from my credit report and have received no response. 


Attached also below is proof that two XXXX collections are inaccurately being reported as well I called in to the collection company and they told me they no longer have my collection and they had sent it back to spectrum and I was to reach out to them for further assistance. When I reached out to XXXX they had NO record on file of that particular collection and collection amount. It's as if it literally doesn't exist. I was told to go to the physical store for help and they told me it was outside their jurisdiction and it's best to contact customer service again. I did and again they were unable to find said account!! I also have sent dispute of this account and failed to receive request verification of this account! 

The other account has been disputed as well and again it's not reporting correctly, and it's failed to be verified as mine but it is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have used Bank Of America Bill Pay service for years, with almost no problems. However, last Year Their Bill Pay service mailed two checks to my church that were never received. I contacted Bank of America promptly after discovering the issue, and opened cases with them about these missing payments. The bank discovered the checks had been presented " somewhere '' for payment, and both had been honored with no endorsement. Per their requirements, affidavits were sent to the church, where they certified the church had never received these checks. The bank then informed me this issue would be pursued with the " XXXX XXXX XXXX XXXX ''. I have attempted to follow up with the bank multiple times to determine where these cases stand, and I'm told to " be patient since these cases sometimes take up to a year. '' The first check in question was issued in the first week of XX/XX/2022, and the second check in question was issued the first week of XXXX XXXX. I have copies of almost all electronic communications I have had with Bank of America, and have spent several hours in the local office of Bank of America, with no resolution. My latest communications from the bank indicates they are still awaiting followup from the 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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

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 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 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect 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 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023, I went into my local Chase branch near my home to do a international wire transfer of {$200.00} USD. There was no email or notification on the status on my international wire transfer. I called Chase on XX/XX/2023 to inquire about the status. Chase told me that the recipient bank XXXX rejected the transfer. I paid {$50.00} to Chase for this service. I got {$160.00} USD from the initial {$200.00} USD that was wired. I called Chase and Chase said it is not their problem. 
Chase wanted me to do the international wire transfer. I said no I can't afford to use their unreliable international wire transfer service. I instead used XXXX with the same info that I gave Chase and had no problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
I've received multiple phone calls from TrueAccord Corp regarding an old debt which was due to XXXX XXXX XXXX on behalf of XXXX, XXXX in the amount of {$600.00}. This debt was settled many years ago with a settlement, for which I no longer have the paperwork. The rep I spoke to today, XXXX at TrueAccord ( XXXX XXXX ) is aware that this debt is NOT valid and stated that they do not report anything to credit agencies but is unaware if XXXX does any reporting to any such agencies. She suggested I contact you as I've learned that TrueAccord has a horrendous record of reporting false information on old, no longer valid, debts. I've requested a current copy of my credit report as well. Would you suggest any other steps I could or should take? Please let me know. My email is XXXX and my cell is XXXX. Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to inform you that I have already contacted TransUnion, XXXX, and XXXX regarding the charge-off accounts that are persistently appearing on my credit report. According to the 15 USC 1601 of the Fair Credit Reporting Act ( FCRA ), these accounts violate my rights. I kindly request your assistance in ensuring that these accounts are removed from my credit report to rectify the situation. Your attention to this matter is greatly appreciated. Thank you.

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