vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
Caine & Weiner did not respond to my verification request within thirty days. I challenged the Caine & Weiner to provide proof that we have a contract for any services rendered or compensation which gives the debt collector the right to do. If Caine & Weiner cant provide such proof, the companys acts are considered false and misleading pursuant to 15 Usc 1692e ( 2 ) ( B ). According to 15 USC 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Didnt Caine and Weiner purchase this debt or was it referred? 15 USC 1692e ( 6 ) ( B ) states that the false representation or implication that a sale, referral, or other transfer of any interest in a debt shall not cause, I, the consumer to be subject to part of the FDCPA. I challenge you to prove that you not violating the FDCPA under penalty of perjury. I have sent a cease and desist letter and demand you to cease all forms of communication immediately pursuant to 15 USC 1692c ( c ). Again, communication is the conveying information to person directly or indirectly through any medium. You are reporting an alleged debt ( conveyed information ) to a person ( consumer reporting agencies through a medium ( consumer report ) medium. My consumer report is my reputation in commerce to which you are inducing injury. Caine and Weiners failure to comply may result to litigation under 15 USC 1692k

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CoinZoom, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I transferred {$7000.00} from my CoinZoom Debit card ending in XXXX to XXXX. 

A few minutes later, I meant to send the {$7000.00} to my XXXX XXXX Checking account, but instead sent the money back to my CoinZoom Debit card ending in XXXX as that was the payment source that was currently linked to my XXXX account. Please note that the amount sent from XXXX to CoinZoom was {$6900.00} ( the bank statements show {$7000.00} as there was a {$100.00} fee to transfer the cash out to CoinZoom ). I've attached an XXXX file listing all transactions going in and out of my XXXX Account. I've also listed a snapshot of my XXXX and XXXX activity showing the transaction leaving my XXXX account on XX/XX/XXXX at XXXX MST and never being returned. 

XXXX confirmed that the {$6900.00} was sent to CoinZoom and provided the Retrieval Reference Number : XXXX to help trace the deposit. 

Then After multiple follow-ups and over a month of waiting I finally received the missing {$6900.00} on XX/XX/XXXX deposited in my CoinZoom account. 

Then on XX/XX/XXXX, when I logged into my Coinzoom account, CoinZoom made a " ACH Adjustment '' for a negative - {$6900.00}. They removed my {$6900.00} in funds and never provided an explanation as to why they credited my missing funds and then decided to take it away a week later. 

I've reached out over XXXX times in the last XXXX  months and they still have not resolved this problem. I've also sent XXXX messages in the past 60 days requesting them to provide an update and they haven't responded. I even provided them with a Business to Business phone number that XXXX XXXX provided me ( XXXX ) XXXX to work with them on locating the funds and they haven't made any attempts to remediate the issue. 

I'd like to have my {$6900.00} in missing funds returned to me immediately.

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 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
I received collections notices from them for charges that were fraudulent and not mine. Back on XX/XX/2022 I was a victim of identity theft. Someone Hacked into my email and my bank account, as far as I know no other accounts as of yet just those two and they made each transactions payments to XXXX XXXX. They used my information name, address and bank account to make these act payments. I immediately let my bank know via phone as soon as I saw the compromised activity, they immediately blocked the payments and did not pay out. I had to then go to branch and open new accounts and they suspend the other accounts to prevent more fraud and protect my money. I thought it was solved once I did that back in XX/XX/2022. I then received yesterday 6 notices with my apartment missing so it got to me late from TRS Recovery services, letting me know that I owe all this money for lyft. The letter states I can call, mail or fax or process a fraud dispute online. So I called them, spoke to several representatives that let me know I can process the dispute online. I went online and the site was asking for my social, date of birth and drivers license. I don't know why that was necessary. I told them I would fax my information over with proof from the bank that it was fraud charge and not paid. I explained over the phone to them I was doing this and said it would take 30 days. This incident happened on XX/XX/2022 and the letter was send out on XX/XX/2022 to the wrong address missing my apartment number so I didn't receive it. Explaining over the phone it was not me and I had bank proof wasn't enough they wanted me fax or mail. I feel they seemed very XXXX  and I'm worried by me faxing this information to them, my information will be compromised some more, so I limited the information that was sent and sent them the fraud form they provided and had it notarized with my bank statement. I want them to please stop harassing me I had sent everything they needed and I also wanted to make sure they are a legit company. I also tried making police report but they stated since my bank never paid they can't do a police report because I lost no money and I changed my bank account and login bank information they told me the bank statement and letter from bank was enough.

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 2022-02-03 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: Happy Money, Inc.
State: CA

Complaint narrative:
I have XXXX credit inquires that did NOT come from me. 

The days are XX/XX/22 for all three. 

1. XXXX XXXX Phone # XXXX 2.XXXX XXXX PHONE # XXXX 3. Happy money inc Phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2022-02-03 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: LendingPoint Holdings LLC
State: CA

Complaint narrative:
I have 3 credit inquires that did NOT come from me. 

The days are XX/XX/22 for all three. 

1. Lendingpoint llc Phone # XXXX 2XXXX XXXX  PHONE # XXXX XXXX. XXXX XXXX XXXX Phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Noticed unrecognized XXXX  transfer on Capital One 360 accounts, called Capital One to report on XXXX XX/XX/2022. Had no additional contact until receiving a suspicious email claiming to be from Capital One on XXXX XXXX. Tried to access accounts and found them locked. Called Capital One and was informed they did so because I " did not respond to their inquiries '' ( of which I had received one, ten minutes before the call ) and that they wanted additional info regarding suspect charge. After going through possible causes agent informed me that my checking and savings accounts would be closed immediately as I was " a risk to the bank '' ; however they refuse to transfer remaining funds out of account until their investigation into the suspicious charge is complete. 
Venting to a family member revealed that they had tried to place an order on my behalf that was never received. Supporting documents were given to me, I called Capital One back to give them additional information but my funds are still being held pending their investigation on money *I lost*. I do not have atm or branch access to satisfy their requirements for any kind of withdrawal. Only after the two phone calls did I receive any kind of written notification in the form of an email stating they *may* close the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX utilizing my CHASE XXXX XXXX Credit Card, I purchase two tickets to XXXX valued at {$6400.00} and shortly after that, the pandemic hit and all travel to XXXX .was denied to Americans. At that time XXXX advised me that I will have a credit to use until XXXX, I asked for a refund and they told me that was not an option. Since my intent was to travel to XXXX I left it as a credit. Well here we are in XXXX and XXXX is still closed to Americans and I no longer have a need to travel to XXXX. I've tried to work with XXXX and they told me that my ticket was non refundable. I reached out to my Chase XXXX  and they told me that the 60 day time limit had passed for me to dispute a charge. I'm confused as to how I am being held to this timeline when in fact the pandemic has been going on for two years and I will not be able to travel to XXXX and eventually lose my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had a deposit to put my account in a positive balance, the next day they showed me over drafted because of a fee for something that shouldn't have been added the fee because I brought it back current before anything cleared. I tried to call and speak with them because this was an error adding on their part and they wouldn't help me. I mean the guy i spoke with works for a bank but doesn't know what CFPB is.

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 2022-02-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am hear to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to XXXX, XXXX, Equifax, and related companies XXXX & XXXX XXXX  to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXX # XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I dug deep to find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: GA

Complaint narrative:
I am hear to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to Experian, XXXX, XXXX, and related companies XXXX & XXXX XXXX  to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXX  # XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I dug deep to find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.

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 2022-02-03 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I was divorced in XXXX of XXXX. My ex husband & I were joint on a CareCredit Credit Card that was taken out in XXXX of XXXX for said ex husbands dental bills. 
In the divorce decree, it states that the respondent ( ex husband ) shall pay the stated debts to the Care Credit Card. The XXXX shall hold the XXXX harmless from any obligation to make payments on the same. The ex husband charged off the account with an amount of {$2600.00} in XXXX of XXXX & it is affecting my credit & ability to obtain any type of loan. 
I have disputed with the credit bureaus to have this removed & they are still saying I am responsible for the debt. I have contacted Synchrony Bank & they have not done anything to correct it.

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file and listing incorrect payment history ( late payments ) without my permission is a consumer law violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are accounts opened that are either not mine or reporting incorrectly in the negative. There are several unauthorized hard inquiries that I have no knowledge of nor did I give consent for that either.

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 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I opened a new checking acct at Chase Bank located at XXXXXXXX XXXX XXXXXXXX XXXX in XXXX XXXX, CA. On XX/XX/XXXX, I made two check deposits via mobile app to my Chase checking account. One was a cashiers check in the amt of {$2300.00} from XXXX XXXX XXXX XXXX XXXX and the other was a personal check from XXXX XXXX in the amt of {$1200.00}. A few days later, I noticed a message on my Chase checking acct indicating these funds would not be available until XX/XX/XXXX. I called the Chase branch at XXXXXXXX XXXX XXXXXXXX XXXX to inquire about the unusual delay in accessing my funds. The teller by the name of XXXX saw that my checking account was marked as 'restricted ' but was unclear as to why this was happening. I've since made several calls to the XXXX XXXX / Account Closures call center for Chase and visited numerous Chase branches to try to resolve this issue. By XX/XX/XXXX, I learned my Chase checking account had been closed. On XX/XX/XXXX, a banker at the Chase branch located at XXXX XXXX XXXX in XXXX XXXXXXXX, CA informed me that my funds have been mailed to me and would arrive shortly via USPS. By XX/XX/XXXX, I was still missing {$3500.00} and again reached out to the bankers at XXXXXXXX XXXX XXXXXXXX XXXX, where I initially opened my account. After countless hours on the phone and speaking to Chase bankers in person, I finally received a check for {$2300.00} on XX/XX/XXXX. After filing a complaint w/ the Office of the Comptroller of the Currency , I also received a call from the Chase executive office. As of today, XX/XX/XXXX, I am still missing {$1200.00} and the Chase executive I last spoke to said the {$1200.00} was still 'processing '. There has been no explanation for the extreme delay in verifying the two checks or the account closure or the delay in returning my money to me. There has been no recognition of the hardship one faces when missing thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank XXXX. opened a fraudulent checking account in my name. XXXX unlawfully sent via XXXX XXXX Mail falsified checking accounts statements for XXXX MONTHS : XXXX, XXXX and XX/XX/2021 to my home address. 
Wells Fargo is aware of their intentional fraud, corruption and ongoing illegal behavior against the victim. See XXXX XXXX XXXX states : Line XXXX ) The " Deposit Account Agreement '' was opened XXXX XXXX effective XXXX XXXX. 
Line XXXX ) All aspects of agreement remain the same and update language will control XXXX XXXX ) redirect payments to another account. 
This is the XXXX time Wells Fargo has falsified my name on bank account documents, fraudulent assignments and its still ongoing. I reach out to CFPB and its the same XXXX letters from Wells Fargo saying nothing. Will you enforce the PATRIOT ACT? 
In closing, I am a victim of many unlawful violations of Consumer Protection, XXXX XXXX XXXX XXXX, Federal Laws and Privacy Laws and a senior abuse. I AM REQUESTING YOU TO PLEASE TAKE ACTION AND STOP WELLS FARGO UNLAWFUL PROFIT!

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 2022-02-03 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I tried reaching out to SYNCB bank and explain to them that I dont recall applying for any credit limit with them on the dates of XX/XX/XXXX and XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
in XXXX an account was opened with the company XXXX XXXX XXXX a loan company, and a loan of $ XXXX was taken out using my name, social security number, and date of birth. I was unaware of this account until XXXX of XXXX and since then have tried to dispute the account with XXXX to no avail. I have also contacted the debt collection agency, ( CREDIT CORP SOLUTIONS, IN ) that is now in charge of the account and they have only offered to reduce the balance owed forcing me to pay off a fraudulent account in order to have it removed from my credit report. 

Contact info for CREDIT CORP SOLUTIONS, IN Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation