vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
In XXXX, after several attempts to contact me about debt collection, I sent Midland a certified letter telling them to stop contacting me. 

They abided until on XX/XX/XXXX my husband was called by someone looking to collect on a debt under my name. When I called back, I spoke to a gentleman from Midland who told me that the firm had tried to contact me and that since I had not responded to the mail they had sent, they had sent my case to the courts for judgment and I would be served. Then the gentleman asked that if I had received the letter, that it offered a settlement amount of {$1100.00} and would I have been interested in taking that settlement, that if I had, he said, he " might be able to catch the clerk before he filed ''. I said no and hung up. The debt, he said, was from XXXX and sold off by XXXX XXXX XXXX in XXXX. That it was for clout for a little over {$5000.00}. 

Today, XX/XX/XXXX, I received another call from Midland and spoke with XXXX. She also tried to go into the same script of they " had tried to reach me by mail and I had not responded ''. I stopped her to verify she had my correct address, which she repeated. I told her that was my address, that I had received nothing, and that they had tried to do this call on me before several months ago. She tried to say " there is nothing in our records showing another call ''. I stopped her there and told her to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
To Whom It May Concern, I have been Scammed into transferring {$3500.00} by XXXX to a potential scammer, who posed to be a recruiting agent at a Company located in New York. 

On XX/XX/XXXX, I received an email from XXXX offering me a role of a XXXX XXXXXXXX XXXX at XXXX XXXX. They sent me an offer letter in which they mentioned they were sending me a check for {$4.00}, XXXX to buy equipment from their accredited vendor and instructed me to make a mobile deposit to my bank account, so I did. Next morning XXXX XXXX ( as he introduced himself ), told me the equipment was shipped to my home address and that I had to transfer {$3500.00} via XXXX { " Here is the vendors manager XXXX XXXX : XXXX XXXX XXXX Kindly go ahead and {$3500.00} to the XXXX and get back to me with the receipt. 
So, I will be able to forward the receipt to the vendors manager for confirmation Kindly go ahead and do that and get back to me with the receipt Got it? '' } in advance to make sure the equipment was sent and they asked for the transfer confirmation. When I checked my bank balance that morning the funds were made immediately available to my account from the deposit I made earlier, so I transferred the money without realizing it was fraud. Not, only that, XXXX requested that " Here is the XXXX information : XXXX XXXX XXXX XXXX XXXXXXXX him the balance amount of the check to another person which thankfully failed. 
I was then given an option to wire transfer money to : " Send it to this same account : XXXX bank Account Type : Checking account Account number .. XXXX Routing number .... XXXX Account Name... XXXX XXXX XXXX : XXXX old XXXX XXXX, XXXX GA XXXX " After which I asked him to join in on a virtual conversation, which they denied immediately. That's when I understood I was scammed. The check turned out to be fraud and my account was charged back. 

PLEASE NOTE THAT I HAVE MADE SEVERAL ATTEMPTS ON EXPLAINING THIS MATTER TO SEVERAL BOFA AGENTS, I REPEATEDLY XXXX I HAD COMPLAINED THE POLICE AND FBI, HOWEVER THEY NEVER ASKED FOR THE COMPLAINT NUMBERS. SO I HAVE ATTACHED THE COMPLAINT DETAILS AS CAN BE FOUND BELOW. 

ALSO ATTACHING THE XXXX CHAT CONVERSATIONS I HAD WITH THE SCAMMER - ALL TRANSFER CONFIRMATION SENT TO HIM. 

* THE ATTACHED LINK IS THE XXXX XXXX LINK WITH THE IMAGES COMMUNICATED AND HANGOUT CHAT HISTORY IN XXXX FORMAT https : XXXX? XXXX I have been going back and forth with Bank Of America, they just said they can't help recover the money I lost. I am extremely disappointed. 
Attached are the letters sent by Bank Of America as well.

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 2023-02-03 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: PA

Complaint narrative:
I did not open this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called Wells Fargo to tell them my account is in the negatives and if I could get a pause on my overdraft fees. Was told they can not do anything and I am continually charged

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 2023-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX I received a {$200.00} XXXX  card from my parents ending in XXXX to Best Buy. I tried using that card on XX/XX/XXXX ( see attachment ) to buy a set of XXXX XXXX XXXX, best buy order number ( # XXXX ). I selected courier shipment for same day delivery. My order was not delivered. On XX/XX/XXXX I received an email stating that my order could not be delivered and it was returned. See attachment for email and receipt for return transaction taken place on XX/XX/2022 at XXXX. 

Note the email states : " Unfortunately, XXXX was unable to deliver your package so they're returning it to us. 

We'll begin processing your refund for the item ( s ) included in your package as soon as we receive the return. For more details, see the What You Need to Know section below. '' Then under the " What You Need to Know section '' it states : " If you used a Best Buy gift card, it will be credited with the refund amount ; if you no longer have your gift card, contact us and we'll send a replacement '' The original gift card ending in XXXX has a balance of {$0.00}. 

On the return receipt it shows that a gift card with {$200.00}, ending in XXXX, was issued. This return was performed by the store, I was never there ( as I elected courier shipping via XXXX ). 

I tried contacting best buy customer service ; they stated I had to contact a third party at XXXX. That third party could not find the order using the full XXXXXXXX XXXX card number ; they said without the original order number of the gift card they can not help me ; I do not have this as it was a gift. I tried calling Best Buy 's XXXX  card center at XXXX. They state that without the original order number they could not help me ; they could not look up the order with my email address as the recipient. This is rather frustrating and I feel Best Buy is harming consumers by requiring a gift card recipient to have the order number for the gift card, it's a gift! Why would the recipient have that!? 

I find it very frustrating to be pushed from XXXX call center to the next ( XXXX in total ) and no one can help me. I feel like someone at the store issued a gift card ending in XXXX to someone who was not me and stole the {$200.00}.

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 2023-02-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a dispute against XXXX XXXX with all XXXX of the credit bureaus for reporting inaccurate/ unverifiable information on my credit report certified mail. XXXX XXXX reported XXXX inaccurate/ unverifiable debts on my credit report trying to claim the same debt. The XXXX XXXX XXXX Partial Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XX/XX/XXXX-OK, XX/XX/XXXX-OK, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX and then reports no other data for any of the other months or years. The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I asked the Credit to delete be information was inaccurate/ unverifiable information. The XX/XX/XXXX Partial Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XX/XX/XXXX-OK, XX/XX/XXXX-OK, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX came back with the remarks that this item remains unchanged from our processing of your dispute in XX/XX/XXXX. This Account continues to report inaccurate/ unverifiable information with missing data on my credit report and needs to be REMOVED and DELETED PERMANTLY. The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX Came back Verified and they updated the status of my account to : The XX/XX/XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I have never had a contract with XXXX XXXX nor have I ever made any kind of consideration to pay XXXX XXXX. So, it is illegal for them to keep updating this account as past due. I also received a form XXXX Cancellation of debt from XXXX XXXX stating that {$7200.00} had been discharged but XXXX XXXX continues to report to the XXXX credit bureaus that I am still past due {$9700.00}. after it reported a XXXX-C to the IRS for the { {$9700.00} } as income. Income is no longer debt as taxes are paid on income. I have tried to reach out to XXXX XXXX to resolve the matter but got the run around and hung up on several times. In accordance with the Fair Credit Reporting Act, everything has to be % XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these R accounts listed below are in violation of not reporting % XXXX accurate and need to be DELTED and PERMANTLY REMOVED from my credit report : XXXX XXXX Partial Acct # XXXX ... 

XXXX XXXX Partial Acct # 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 2023-02-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a dispute against XXXX XXXX with all XXXX of the credit bureaus for reporting inaccurate/ unverifiable information on my credit report certified mail. XXXX XXXX reported XXXX inaccurate/ unverifiable debts on my credit report trying to claim the same debt. The XXXX XXXX XXXX Partial Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XX/XX/XXXX-OK, XX/XX/XXXX-OK, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX and then reports no other data for any of the other months or years. The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I asked the Credit to delete be information was inaccurate/ unverifiable information. The First Regional Acceptance Partial Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XX/XX/XXXX-OK, XX/XX/XXXX-OK, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX came back with the remarks that this item remains unchanged from our processing of your dispute in XX/XX/XXXX. This Account continues to report inaccurate/ unverifiable information with missing data on my credit report and needs to be REMOVED and DELETED PERMANTLY. The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX Came back Verified and they updated the status of my account to : The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I have never had a contract with XXXX XXXX nor have I ever made any kind of consideration to pay XXXX XXXX. So, it is illegal for them to keep updating this account as past due. I also received a form XXXX-C Cancellation of debt from XXXX XXXX stating that {$7200.00} had been discharged but XXXX XXXX continues to report to the XXXX credit bureaus that I am still past due {$9700.00}. after it reported a XXXX-C to the IRS for the { {$9700.00} } as income. Income is no longer debt as taxes are paid on income. I have tried to reach out to XXXX XXXX to resolve the matter but got the run around and hung up on several times. In accordance with the Fair Credit Reporting Act, everything has to be % XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these R accounts listed below are in violation of not reporting % XXXX accurate and need to be DELTED and PERMANTLY REMOVED from my credit report : XXXX XXXX Partial Acct # XXXX ... 

XXXX XXXX Partial Acct # XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX ( XXXX ) XXXX is reporting these fraud inquires on my account please remove from my credit report as per consumer privacy law thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA Violation: address and name not mine
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX  
FCRA Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA  Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: TX

Complaint narrative:
FCRA Violation: address and name not mine
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX  
FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX  
FCRA Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA  Violation: hard enquiries not mine
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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I understand there is a consumer class action lawsuit against Wells Fargo for overuse of fees/overdraft fee and NSF fees XXXX I am very much affected by this and would like to be added to this class action case.

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 2023-02-03 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
XXXX would not allow me to cancel my service because I was on month past due. After i informed them I will not pay until they cancel my service they decided to charge me for 2 additional months. Franklin collections sent me nothing in writing like the 2 other collection companies prior and was removed. I paid {$330.00} of the debt I owed for the month I admit was my responsibility. This is the 3rd debt collection that has not notified me in writing and therefore is in violation of the FRCA. XXXX again shows blatant disregard for consumers rights. If others have experienced this we need to get together and file a class action lawsuit.

Company response to consumer: Closed with explanation