vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2023, I received an email from XXXX claiming an autorenewal with XXXX for {$410.00} and a phone number XXXX, which I called to dispute this charge. During this call, {$11000.00} was " mistakenly '' transferred to my bank account, of which I was forced to withdraw and told to re-deposit into a bit-coin  ATM located at a XXXX XXXX on XXXX XXXX XXXX  XXXX XXXX, AZ. After this I went home and on my cell phone was prompted to go through a series of apps in order to get a refund of {$500.00}, during which I realized this was a scam. I received a call from my bank during this time and was alerted to a fraud. The scammer, when he realized he was caught, became verbally abusive. 

I have a fraudulent charge on my credit card that has not been resolved and which I am still fighting.

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 2023-03-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XX/XX/2022 XXXX 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 an 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 or 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 2023-03-20 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XX/XX/2022 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 an 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 or 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 explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Since my loans were originated with NewRez, they have been on automatic ACH payment with the company. In XXXX 2022, my ACH was canceled because NewRez was unable to locate my account and NewRez did not notify me of the cancelation. A representative called me to collect the payment and when we discussed the payment history, the representative confirmed that I was not notified of that error or challenge on NewRez 's part, and reversed the late fee. I re-established the reoccurring payment since that time, and payments for 3 of my accounts were withdrawn via NewRez ACH. I have confirmation emails subjected " Your recurring payment has been submitted '' from XXXX and XXXX. On XX/XX/XXXX, all three loans were sold, but no notification was made to me that there was any change in servicing or that my automatic payments were being stopped. ( I was only able to ascertain this informationby reviewing my payment history in NewRez 's portal ). I have still not received any notification of a change in servicer. On XX/XX/XXXX, a rep called me to say the payments were not received. I confirmed that the XXXX and XXXX payments were automatically drafted, and we talked through why my ACH was not taken out, and the rep stated that when the loan was sold, it may have canceled the ACH, but no notification was sent. I requested the late fees reversed, as NewRez failed to notify us that the payment I authorized was canceled and I have not received any notification of a change in servicer. When I called on XX/XX/XXXX, the rep and manager said they had no notes or documentation of a call on XX/XX/XXXX. I was also denied my request to reverse the late fees. I requested that the recording of the XX/XX/XXXX call be pulled for reference and requested an investigation about what occurred between the XX/XX/XXXX payments and the ACH payments being stopped, without notice. The representative told me that no one would call me back andthat nothing could be done. These late fees and any record of late payments on my account are inaccurate and I am requesting full and complete documentation about what has occurred on my accounts. I am very concerned about NewRez inaccurately reporting to the credit bureaus on my behalf or continue to charge unwarranted fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
In XXXX I was sent a notice by CCS Collections that XXXX had submitted a claim. I made a payment agreement with them so that they did not report. It was a bi weekly payment agreement. A month later, after making my payments, the debt was reflected on my credit report. I then paid off the whole balance. The company agreed a pay for deletion. Now I can not get a hold on anyone and they refuse to remove this paid account off of my credit report. the balance reflected {$130.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: CA

Complaint narrative:
I am a victim of identity theft as a result of the Equifax data breach that took place from XX/XX/2017 to present. As a XXXX, this incident has cost me countless opportunities for funding and assistance due to Equifax 's negligence. 

The Equifax data breach exposed my sensitive personal information, including Social Security number, Driver 's License, birth date, and address etc., This information has been used by identity thieves to open fraudulent accounts, make unauthorized purchases, and damage my credit score. 

As a result, I have faced significant financial losses and difficulties accessing financial aid or loans. The consequences of this identity theft have had a major impact on my life, making it difficult for me to pursue my educational goals and causing me unnecessary stress and hardship. 

I have spent countless hours trying to repair my credit, made numerous phone calls to financial institutions and credit bureaus, taken classes on identity theft prevention, and spent significant amounts of money on identity theft protection services. Despite my efforts, I will forever need to look over my shoulder, constantly worrying about the possibility of further identity theft and its consequences. 

As a student, this experience has taken a toll on my mental health and has created additional stress and hardship. It has caused me to miss out on important opportunities for funding and assistance and has made it difficult for me to focus on my studies and pursue my educational goals. 

The Equifax data breach was a result of the company 's negligence and failure to protect the sensitive personal information of millions of people. As a victim of this breach, I demand that Equifax takes full responsibility for its actions and provides me with the necessary support and resources to help me recover from the impact of this incident. 

The time, effort, and financial resources that I have had to spend in order to repair my credit and protect my identity are a direct result of Equifax 's negligence, and I expect the company to take responsibility for its actions and make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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 — Investigation took more than 30 days
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I sent a dispute letter concerning information reporting on my credit report directly to the creditor. I am unsure why they are reporting inaccurate information on my credit report. I have never gave this company the authorization to access my personally information or I never have any services with this company. They have not responded with any solution on why they are reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
1. Opened account to get a sign-up bonus, sometime in XX/XX/22. 
2. Working through steps to meet the sign-up bonus criteria. 
3. Deposited a little cash into the account to establish a bank connection and make sure everything is working smoothly. {$50.00} on XX/XX/22 and {$50.00} on XX/XX/22 XXXX. Went to make the remaining deposit, {$900.00}, to meet the sign-up bonus criteria. 
4. Account gets locked. 
5. Called the number in the Region 's bank External Transfers portal. 
6. Called the help lines. 
7. Talked to the branch manager where my account was set up at because my account was set up over the phone with the help of one of Regions other representatives. 
8. My {$900.00} doesn't get deposited into my Region 's Checking account. 
9. I " miss '' the cut off date to meet the sign-up bonus requirements. 
10. I call and try and dispute that it wasn't my fault that funds weren't deposited. Regions stopped the transfer, therefore I should still be eligible for the bonus. 
11. Regions stiffs me on the sign-up bonus. 
12. Try and get my external transfers unlocked to withdrawal my money. No one can unlock it until I see a banker in person. I have suggested having a notary verify my identity. XXXX  call. Nothing seems to be good enough of a solution. I live 2 hrs. away from the nearest branch. 
13. It has now been long enough that I should be able to close the account with out being charged a fee. 
14. I called to try and see what the closing process would be. 
15. I am informed that the account needs to be at {$0.00} to process a closing. I can't get the money from my account because external transfers is locked. I get the impression that I would have to be in-person to close the account even it it was at {$0.00} which I don't think should be the case. 

What I want : I think I am still do my {$400.00} sign-up bonus. I want to close the account with not penalties, and I want my money that is in the account. I want to end my checking relationship with Regions bank.

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 2023-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Account - XXXX XXXXXXXX XXXX Amount : {$3100.00} This account is a validation made pursuant to the Fair Debt Collection Practices Act. This is a violation against the fair credit reporting act by the agent reporting fraudulent information. I have requested that the following information be sent to me in writing but no proof received .Agreement with your client that grants you the authority to collect on this alleged debt .Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Verification that this debt was assigned or sold to collector. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XX/XX/2022 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 an 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bmo refused to open a dispute for 2 transactions on a credit card account for ach payments not authorized or made by me.

Review statement attached for details.

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 2023-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023 I was the victim of an Internet Fraud Scam. I believed that the people I was dealing with were from Chase Bank and XXXX. They informed me that my financial information had been compromised and that people involved in XXXX XXXXXXXX and gambling had already taken thousands of dollars from my accounts. They told me that the only way to handle this was to get encrypted accounts and that they would help me complete that. The scammers told me that the people who had taken my money were from Chase and therefore I needed to follow their instructions. I then wired {$38000.00} to to a person named XXXXXXXX XXXX at XXXX XXXX XXXXXXXX in XXXX, CA. When I got home, I realized that I had been the victim of a scam and I called the police. XXXXwo police officers came to my home. The police report that was sent to me Indicates that I am the victim of " PL 155 Larceny ; Larceny Petit by False Promise and PL 155.3501 Grand Larceny 3rd Degree, 23H Felony. '' On XX/XX/2023, a detective from the XXXX precinct in XXXX, NY called me to tell me that he was able to contact law enforcement in XXXX, CA and that the recipient 's account was able to be frozen, except for {$10.00}. Thus, {$37000.00} was on hold and did not get sent. He told me to work with Chase to get my money back. Since that date I have been working with Chase to resolve this. I was told by the Wire Department at Chase that if I got a Hold Harmless Letter from Claims at Chase, the money could be sent back to me. Claims at Chase is refusing to do the Hold Harmless Letter because they say I initiated the wire transfer. I contacted Complaint Escalation at Chase but with no success in getting Claims to submit the Hold Harmless Letter. I have tried to explain to Complaint Escalation and Claims that I am the Victim of a Crime, that my money is waiting for me, and all that is needed is this letter allowing XXXX XXXX XXXXXXXX to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I submitted a complaint # XXXX - Capital One responded saying they are looking into the issue, but resolved nothing. CFPB closed the case without any resolution other than they are looking into the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20 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: FL

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. 

XXXX XXXXXXXX XXXX XXXX : ACCT # XXXX, XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX  : ACCT # XXXX and ACCT # XXXX, XXXX XXXX XXXX ACCT # 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 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 response to consumer: Closed with explanation