vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2023 I called Wells Fargo and explained to them that someone had stolen my phone and had all my banking details and mobile walkers and were going XXXX around taking money out and that my phone had went missing a week or XXXX prior to me making the call and once I realized they were in my accounts I called and reported it and made a police report with XXXX police department about the people in my accounts and paying people through pay pal and also using my phone to take money out at stores etc. Wells Fargo gave me a temporary credit for what was lost and then upon the investigation found I was at fault and reversed the credit which made my account go to negative XXXX dollars where it stands today. I did everything I was supposed to do in reporting. I XXXX was not at all responsible. I need help because Wells Fargo said theres nothing I can do even if I made a police report. This has made my Wells Fargo account in a bad way and Ive been a loyal customer for 14 years. I would like my credits back to my 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 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I cant open checking accounts anywhere because of using my information without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, around XXXX or XXXX XXXX I received a call from someone claiming to be from the 5/3 bank fraud department saying my account was compromised. I asked to block my account. They said they would have to send a code to my cell phone to verify my identity. They send me the code and I read it back. 

Shortly after I noticed that I could not log in to my account. Had to reset my password. I also noticed 2 fraudulent money transfers on my account - 2 XXXX transfers to someone I did not know. I was NOT logged in to my account when it happened, I DID NOT authorize the transaction and I DID NOT initiate it. 

On Monday morning I went to the 5/3 bank branch to notify them about it. The XXXX transactions were still 'pending ' but they said they could not stop it. 

The bank closed my account and canceled my XXXX and XXXX cards. there were some other strange charges on my credit card ( shortly after ) as well, but since the card was canceled they did not go through. 

The bank has denied to give me the stolen money back - Case # XXXX The bank did not issue a provisional credit within 10 business day ( according to the E-Regulation ). I do not think the bank did a proper investigation. Otherwise they would see that a different IP address was used by criminals to log in to my account to steal the money and the phone number was spoofed. 

I am an elderly XXXX XXXX XXXX man on XXXX. 

The bank is violating the federal law which states : " On XX/XX/2021, the Consumer Financial Protection Bureau ( CFPB ) published eight Frequently Asked Questions about Regulation E and unauthorized electronic fund transfers ( EFTs ) and error resolution. EFTs and error resolution procedures have grown in importance as more errors are asserted by members and more complaints are being lodged by consumers against financial institutions. The FAQs clarify if a third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT from the consumers account, that does meet the definition of an unauthorized electronic fund transfer under Regulation E. The FAQs also point out a financial institution may not consider a consumers negligence when determining liability for unauthorized electronic fund transfers under Regulation E. In addition, the FAQs state a financial institution may not require a consumer to file a police report as a condition of initiating an error resolution investigation ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
I have diputed this claim before. I have provided information to back my statements. I at no time recived : A explination of the claim, evidence or invoice explaining the claim amount, a right to cure. This fraudulent charge was added to my credit with no prior warning and 4 years later i still zero information besides the amount. The CFPB has looked into this, has sided with the creditor yet without giving me any explination. This is fraud plain and simple. I was charged 2 months rent after I moved out. I had no lease therfor no agreement to break which would be the only reason I would owe anything to these fruadulint scumbags.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: MO

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK 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 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Accts ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Bank of America has been deducting money from my available balance every time they decline a charge. Even though the money is in my account they find an excuse to decline the charge but still take that money out of my available balance. When it's time to credit the money back to my accounts, I also notice every time Bank of America does this the money is never re-deposited back into my account the transactions just go away. Also, B of A charges its customers {$50.00} each time they use a none Bank of America ATM. I was never informed of this until I saw {$50.00} dollars being deducted twice in one day and I ask the customer service rep what was that fee for, which if I never asked or noticed it I would not still know.

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 2023-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
Currency exchange rate is outrageous. around 25 % higher than rate quoted one day earlier under promotion. the exchange rate for the country of XXXX has been stable for decades around XXXX. 
Western Union gave me a reasonable rate of XXXX XXXX XXXX USD = XXXX AED on XX/XX/2023 this transaction failed because of the name being misspelled. when I attempted to correct the name I was not able to and was directed to cancel and make new transaction at this time I was quoted Exchange Rate of a ridiculous XXXX!!!! 
I called attempting to correct and the answer was Western union sets up the rate on daily basis. 
I find this practice to be unfair and deceiving. and will never do bussiness with XXXX again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NM

Complaint narrative:
On XX/XX/2023 chime bank got a SSI payment in the amount of {$910.00} to my account prior to this I almost lost my life to a drunk driver I was XXXX XXXX XXXX in the hospital for over two weeks and then after that I was in the hospital for eight days before being released when I was released I found out that my wallet was missing in my phone with missing from the hospital I got a new phone a new phone number I contacted Chime bank and told them about my situation because I have no money in my account I ordered a new card put a temporary freeze on my card and disputed the transaction because I didnt have the {$910.00} in there I contacted XXXX they said I am under a XXXX fraud liability I told this to them I told him that I almost lost my life and that I need my credit right away if not I would be homeless in less than 10 days they contacted me and said they would have a resolution by XXXX XXXX which is way outside that mark I told them that I qualify for XXXX for liability and then I need my provisional credit right away I almost lost my life and they are not doing that and now me and my child are gon na be homeless they can issue visa said that they can issue my provisional credit right away because this is a top of an emergency situation XXXX XXXX XXXXAnd having a kid become homeless because they want to put an extra nail in the coffin and make me wait because I was a victim put in a report with identity theft.gov I did everything I was supposed to do but theyre not giving me my {$910.00} and when I disputed it they only did it for {$500.00} and not the whole XXXX I ordered new cards I need my money right away I told himI told him if you guys hold his money you guys will be held liable if I become homeless for damages that I suffer in between the XXXX XXXX said that Im under a XXXX fraud liability and that theres no investigation that needs to take place in order for me to get my provisional credit but now I only get paid once a month and they want me to wait for over a month for my pay I will get another Social Security check before they give me my provisional credit this is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
As of XX/XX/XXXXXXXX XXXX XXXX I talked with executive team about my matter regarding falling behind with Mortgage because of family becoming ill. They ignore on helping me and can't reach the party that was supposed to help me. This problem has been going on too long now and just want to resume my mortgage at a timely matter but there customer service dept at so many level is HORRIBLE PERIOD and also in closing they have been reported to the media on how they treat there customers including us

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 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I made an electronic payment of {$1100.00} to pay off my credit card balance to American express but the credit card company keeps sending me unrelated emails giving maiiling address and sending checks but are not checking the electronic payment made to them even after I furnished them with the transaction trace ID from the XXXX XXXX ( XXXX or XXXX digit number ) and continue to insist that I send them the details of check. 

They want me not to pay off so that I can keep paying interest. 

This is unfair practice and American Expressed must be banned doing business in credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased a custom made sectional from XXXXXXXX XXXX on XX/XX/XXXX using my CITI AAdvantage credit card. 

My couch was quoted at 18-22 weeks, it should've been delivered between XX/XX/XXXX- XX/XX/XXXX. Couch was never shipped to me and never received. I started reaching out to XXXXXXXX XXXX in XXXX of XXXX for information and updates, I was told I would receive a partial refund for continuing to wait for my couch until XXXX. I never received any kind of refund or money back from XXXX XXXX. XXXXXXXX XXXX then went into XXXX in late XX/XX/XXXX and I initiated a dispute with CITI on XX/XX/XXXX for merchandise never received. 

CITI has now denied my dispute twice saying that I am still in my expected delivery window for my merchandise. As you can see from the attachment my delivery window has passed and the new company that purchased the XXXX XXXX brand has told me that they CAN NOT deliver the custom made couch I purchased. 

I need help getting CITI to recognize that this is a valid dispute and that I should receive my money back as I did not receive my product and never will. 

*IMPORTANT, my name has changed since the original purchase. The purchase was done under XXXX XXXX, my name since changed to XXXX XXXX in XX/XX/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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am trying to get rid of all these hard inquires and late payment accounts and anything in collections that I bringing my credit score down. 

In the past I have applied for car loans but not as much as what appears on my credit report. There are a total of maybe XXXX hard inquires ( if not more ), on my credit report and I no longer have a car nor have I gave dealerships the authorization to send my information to numerous lenders. As far as I was concerned, it was only through " in house financing '', and it seems as if the dealerships did not comply. 

I also recently just paid off a old credit card that had an outstanding balance, and it is still showing up on my credit report as open and more than 90 days late. I received a confirmation from XXXX XXXX stating they did receive the {$120.00} I paid to them to close the account and have it up to date. 

I also had a XXXX XXXX XXXX loan open which had an outstanding balance of over {$1500.00} due to my gap insurance at the time not covering the full balance left. For XXXX years I was able to buy XXXX other cars without the dealerships noticing that open car loan. I showed proof of a total loss letter to dealerships and that is how I got passed that and was able to drive off with a car. 
However, now I am seeking to buy another car, this " open loan '' that I did pay the settlement offer too of {$320.00} ; it is still being showed as open and that I owe {$1500.00}. 

I really want all of these removed from my credit report. I find the inconsistencies absurd, I do understand that credit reports are updated every month, but it just seems as if my credit score has not made any major changes. 

Any hard inquiries from almost XXXX years ago should be removed and fall off. 

In accordance with the Fair Credit Reporting act, I feel as if my rights were violated / 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 also 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 non-monetary relief
Consumer complaint received 2023-04-16 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting ACT, The list of accounts below has violated my federally protected consumer 's rights to privacy confidentiality under 15 U.S.C 1681 section A. States I have a right to privacy.

-15 U.S.C 1681 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions. Period.

15 U.S.C 1681c. a ) section 5 ). States : no consumer reporting agency may take any consumer reports containing any of the following items of information, any other adverse item of information, other then records of conviction of crimes which outdated the report by more then 7 years.

15 U.S.C 1681 1s- 2 a ) States : a person shall not furnish any information relating to a consumer to any reporting agency, if the person knows or has responsible cause to believe that the information is inaccurate. 


XXXX XXXX # XXXX in amount of {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Loan # 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 2023-04-16 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:
I disputed XXXX tradelines from XXXX XXXX XXXX XXXX Equifax in XX/XX/2022 and they verified items were accurate. I also filed a complaint with the CFPB in 2022 and Equifax claimed they were working on the issue and items were verified with no proof of the Method of Verification under the Freedom of Information Act as shown below. They deleted these items without my knowledge where I just recently found out these items were removed that initially caused me financial stress and there has been no letter to indicate the changes sent to me. The credit reporting agencies have a duty to the consumers to report accurate information therefore, they did not do this instead they claimed someone verified when in fact they were not. Please see original complaint with the CFPBXXXX They failed to provide the Method of Verification under the Freedom of Information Act see below when I initially requested the information & I am requesting compensation for their failed negligence. 

XXXXThe contact number and name of the person verifying this debt, XXXX. This persons position, XXXX. All the information pertaining to this debt, XXXX. All evidence that this debt exists, and XXXX. How you verified this debt I have attached the old report for review where these tradelines were there and now deleted without a letter sent showing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a letter on XXXX XXXX XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the credit report and here I listed the tracking numbers of the letters I sent out to the credit bureaus # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. 
Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 
- Authentic Persona information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Employer : XXXX XXXX  - Accounts : XXXX XXXX XXXX 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 non-monetary relief