vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I mailed a check at the Post Office in XXXX on XX/XX/XXXX. I went inside the Post Office to mail it. The check was stolen from the Post Office and washed by a Thief. I have filed a Police Report with the Postal Service. 

The check was " washed '' from {$30.00} to {$3000.00} and cashed on XX/XX/XXXX right before the XXXX XXXX XXXX. I checked my account the day after XXXX XXXX and noticed the fraud check. I immediately called the bank to report it. 

I never heard anything back after a week so I called them back. They said it was coded as a 'check dispute ' and not as a 'check fraud ' and they would be in touch. I never heard back. 

I called them again and they said they would send me an affidavit. They suggested that I go to the branch and have their Banker assist me with completing it, having it notarized and faxed over to them. I did that on XX/XX/XXXX. 

I never heard back so I called them again. They said they received the affidavit but they needed more supplemental information. I gathered it all and faxed it over to them 3 different times. I never heard back. 

So I would call back each week and inquire about the status and each time I was given little bits of information. If I did not call them I would not have known that the faxes were not received/ not readable. 

Each time I called I asked for an InvestigatoXXXX to call me and update me since the Customer Service reps only had limited information. The last 2 times I've called I filed a customer complaint and was told that someone from the Executive Team would call me back. 

I called them back again on Friday XX/XX/XXXX and asked why I have not received a phone call. They said they tried to call me and could not reach me. That is a lie, no one has every called. 

I've called them for 8 weeks in a row and have never gotten a phone call back and am always told I will receive a call in XXXX hours. I never have. 

I did receive a letter from them saying that they are requesting the money back from the Thief 's bank and that will take XXXX days. 

I am in need of my funds right away as I have an XXXX parent that I support and can not go without the funds much longer. The bank ( s ) made an error in cashing the check. It looked horribly fraudulent and sloppy and had my account number from the utility company in the memo line. I have never written out a check for that amount to random person in the 30 years I've used this bank. 

Please offer any assistance you can since the bank has ignored me for 8 weeks.

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 2023-10-23 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:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OH

Complaint narrative:
I had an issue with the my paycheck feature that allows you to borrow what you have already earned before your paycheck hits. I have used the service for 3 months and now it says I didnt receive my direct deposit into the system, which I did and it is cleared through the bank, and it isnt allowing me to use the feature. When I call they say Im over the limit of amount to borrow but I have not borrowed anything. Nobody can fix the issue, they continue to push me off saying it cant be fixed. I will be going to a different and more reliable banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2023 my credit score with Experian decreased XXXX points from XXXX to XXXX, when I called and was able to speak with a representative on XX/XX/2023, he said that the company ( Experian ) could not give me the specific reason, only possible reasons, none of which applies to me. I have nothing negative on my credit report that should have caused my score to decrease. Are these credit reporting agencies allowed to do whatever with no control from anyone?

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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting

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 2023-10-23 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: VA

Complaint narrative:
Equifax put me in a hard place during its data breach. I have spent hours trying to make sure my report was frozen and it seems it didn't work as there are accounts on my report I do not recognize that were open recently in last few years. For there data breach I see where the CFPB reached a settlement with Equifax but I have got nothing from nobody. Just the cost out of my own pocket trying to clean up Equifax 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
XXXX XXXX received 2 emails from PayPal about an invoice and 2nd email with this : " Your account shows an unauthorized charge for XXXX. Call us for details at + ( ). To canceled your invoice ''. I looked up PayPal phone # and call an illegitimate one by mistake. Gave info that was used to Create the fraud I'm reporting. I have another number I called also, speaking with a " XXXX '' for " PayPal '', who was the fraudster. As soon as I realized I was scammed I contract both PayPal correctly and XXXX XXXX to alert them and trying to disputed the pending transactions. They said there was nothing to be done until the transactions posted as they were still pending went through which happened sometime on XX/XX/22 or XX/XX/22. I call back to both PayPal and XXXX XXXX who told me there was nothing I could do because the transactions went through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
I have never done business with this company and do not owe {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: IL

Complaint narrative:
I was notified by CMG Financial on XX/XX/XXXX, regarding an escrow shortage of {$1600.00} due to a property tax increase from XXXX to XXXX. The shortage created an increase in my monthly payment from {$1500.00} to {$1900.00}. 
I replied via US Mail and CMG messaging center on XX/XX/XXXX, pointing out an obvious error in the projection due to CMG Financial using the incorrect real state tax amounts for the XXXX escrow projection. 
I sent a message follow-up on XX/XX/XXXX, asking about the status of the review of the escrow analysis. No response was received. 
On XX/XX/XXXX, I received another escrow analysis regarding a new escrow shortage of {$180.00}. 
On XX/XX/XXXX, I paid over the phone the shortage of {$180.00}. 
However, my XX/XX/XXXX payment in the amount of {$1900.00} has not changed, and according to customer service reps on XX/XX/XXXX, that payment will not change even if the escrow analysis was corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: Nicholas Financial Inc.
State: GA

Complaint narrative:
Subject : Formal Notice of Intent to Pursue Legal Action for FCRA Violation Dear Nicholas Finance, I am writing to express my deep disappointment with your response dated XX/XX/XXXX, in which you have chosen not to provide the information I have requested obviously you enjoy going against the law. This information pertains to unauthorized credit inquiries made by your company, which, in my view, constitutes a violation of XXXX compliance and a clear breach of the Fair Credit Reporting Act ( FCRA ). In your response, you refer to certain credit inquiries initiated by me, indicating that on XX/XX/XXXX, I submitted an application to XXXX XXXX XXXX, and on XX/XX/XXXX and XX/XX/XXXX, I submitted applications to XXXX XXXX XXXX. However, I must emphatically state that I have neither provided consent nor authorization for these credit inquiries. Your company 's decision to absolve itself of responsibility by redirecting me to the dealerships for application verification is deeply unsatisfactory and evasive. I have made a legitimate request for the general or specific certification that was sent to the consumer reporting agencies, as per my rights under Rule 1002 of the FCRA. It is essential to remind your organization that FCRA Section 619 imposes criminal liability on those who knowingly and willfully obtain consumer information from a consumer reporting agency under false pretenses. Your company 's actions have caused me significant harm, ranging from the invasion of my privacy to disruptions in my financial and emotional well-being. As a direct result of your company 's willful violation of the FCRA, I have been unjustly denied access to new credit and increases in lines of credit. In compliance with FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ],

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Hello I am filing this claim because I've noticed something unusual when I recently reviewing my credit report. Its implying that I have something in collections by a company named of Midland Credit Management. I have no idea of what it is and why it is on my report. I was made aware of this information on XX/XX/2023 and I do not need anything affecting my credit while making any worse than what it already is. I have absolutely no knowledge of who this company is by the name of Midland Credit Management at all. I want proof of who this company is and not some random bill that can be from anywhere due to fraud, which I have been a victim of before. I have never received anything from this company nor do I know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Hard inquiries are Not a matter of Fact. The list of unauthorized Inquiries below are Not a matter of fact, and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681.You are obligated verify this information, or not report it to your users.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 : States a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc.
State: MO

Complaint narrative:
Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from UPSTART Account number : XXXX Reported XX/XX/2022 on my consumer report. Ive called Upstart and sent a letter out certified mail green return receipt signed from them and still no reply, asking them on the phone for the 1099c that they filed the taxes on, so I can report it as income and they told me that they do not have it. THAT IS TAX FRAUD and I am demanding this account to be deleted from my consumer report. They also said that they sold the account to XXXX XXXX XXXX, however XXXX XXXX did not furnish the inaccurate information on my consumer report, UPSTART did, So Upstart must delete this inaccurate information from my consumer report. Not only did Upstart get a tax break they've also sold the alleged obligation to another company XXXX XXXX XXXX which is a benefit to Upstart. I feel used. This company have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXXThe IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something As Defined by The IRS. 

I'm demanding this account to be deleted from my consumer report, because they're reporting it as a Charge Off. This reporting is inaccurate and must be deleted.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
was this company and location that to my knowledge shouldn't have opened the account. It was stated by representatives at the CheckSmart location that the account shouldn't have been allowed to be opened because it was purposely misled. The representative that processed the account opened it with in accurate information. How is it that this was allowed to happen from the very beginning? This account was forced and the representative that opened was openly told that they it should have never been processed. It is your establishment that works with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Got a text saying it was from Bank of America that someone would be calling me about XXXX ( that is promoted on the banks web site ) about fraudulent transactions. They called on The BOA customer service line and and said to approve three transactions to reverse the fraudulent transaction. I questioned it and was told to look at the phone number called in on and it was BOA number. Three transactions went through for a total of {$3500.00} and boa denied my claim saying it was my fault. 
They have been no help. Please help. I have called many times to the bank fraud dept with no help. Bank of America promotes and has this service on there web site. They also will not give me the payment id that is 12 alpha numeric numbers that XXXX requests to file with them for a fraud dispute. XXXX says on there dispute documentation to go to the bank to get 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 explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, account : XXXX, from XXXX XXXX XXXX XXXX, has violated my rights, 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 1692b acquisition of location information by debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: DISCOVER BANK
State: DE

Complaint narrative:
One several occasions late payments were listed on my credit reports. I had to do some digging to determine the company since there are only initials listed. The credit card company name is XXXX XXXX I had a XXXX for Discover in 2022. The account was closed XX/XX/2022 because I never used the card. 

I would like for this issue to be resolved as quickly as possible. The erroneous information listed on my credit report is unsuitable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
I have been fighting with this collection agency for the past 6 months. SECURITY CREDIT SERVICES has reported to the 3 credit bureaus that I owe {$5500.00} with an account # as XXXX. I asked for proof and was provided some contract that does not have my wet signature & has some forged signature as well as a bogus payment history from my bank debit card that was reported stolen. My bank card/debit card was compromised and reported stolen which is the same card this company is showing was charged for their merchandise. My bank XXXX was able to refund me the money stolen from my account as it was investigated and proven stolen. I have tried several times to reach out to the company both written and verbally. I have also been harassed by this company with phone calls. Because of this being placed on my report It has ruined my life as I am not able to purchase a home. I have not been able to sleep and am suffering from XXXX due to the harassing phone calls. I am presently seeking legal action against the collection agency thus why I have filed a complaint with you the CFPB. I have exhausted all attempts at rectifying this situation.

Company response to consumer: Closed with explanation