vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
My tenant deposited 2 money orders Wells Fargo cleared one for {$100.00} but did not clear the other deposited at the same time for {$720.00} Bank stopped payment for {$720.00} Said fraud or suspicious Only reason I found out I looked online I called spoke to several people No one can tell us why Bank in XXXX fl Accepted deposit without question Bank telling me I have to redeposit Certified copy of check Its been 5 business days I have not received copy of money order In the meantime I have given my tenant a pay or evacuate notice Which cost me out of pocket {$200.00} Bank has no answers as to why it was flagged as suspicious my tenant always pays by money order this is not an unusual Occurrence My complaint number with Wells Fargo is ID XXXX This money was deposited in my escrow account XX/XX/2023 was date of return actually deposit on XX/XX/2023 Bank saying its my issue

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 2023-02-14 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:
Account states it was opened XX/XX/XXXX Last Reported XX/XX/XXXX Payment Status Collection/Charge Off Amount {$1500.00} Company Name : XXXX XXXX Attention Fraud Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on my credit report is a direct violation of the no surprises act. I don't know who they are, and I never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report which is clearly a direct violation of the No Surprises Act and needs to be deleted 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 non-monetary relief
Consumer complaint received 2023-02-14 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: 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 # XXXX, XXXX : # XXXX, and Account name 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 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 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 2023-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I already filed a complaint to the CFPB and put a fraud alert on my credit report, and, despite this, Kohl 's STILL approved the credit card, where the person made expensive purchases affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had all 3 credit bureaus unfreeze my accts on the same date in XX/XX/XXXX. I only needed 3 days. XXXX and XXXX refroze the account w/I the 3 day timeframe just as I had asked. I discovered this today XX/XX/XXXX through the XXXX website. 

I immediately contacted Equifax to have the account refrozen. However, I am unable to access the Equifax account. I no longer have the email address or the phone/phone number. My physical address isn't the same either. If Equifax had done what I had asked it to do in XXXX, this problem today would be non-existent. I jumped thru Equifax demands, answered it's questions correctly. My cell phone was unable to grab the XXXX nor upload my XXXX. It had something to do with opened apps that have camera access. I have denied camera access yet learned that for the most part the apps with camera access are grayed out which means that as a consumer, I have absolutely no control over those apps. I am a XXXX XXXX customer. Those XXXX apps were predetermined by XXXX. At best, I can merely disable them. There is no way that I can delete them although I have done my best to do so My interest here is for Equifax to Freeze access to XXXX acct. 

Thank you CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Account states it was opened XX/XX/XXXX Last Reported XX/XX/XXXX Payment Status Collection/Charge Off Amount {$1500.00} Company Name : COMMONWEALTH FINANCE Attention Fraud Department XXXX XXXX XXXX XXXX company, CommonWealth Finance on my credit report is a direct violation of the no surprises act. I don't know who they are, and I never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report which is clearly a direct violation of the No Surprises Act and needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: CA

Complaint narrative:
XXXX was hacked and getting sued as of this letter meanwhile my credit suffers XXXX point drop which caused a collection agency to report have a debt of {$110.00} total from XXXX joke I have perfect credit for last 5 Years. Now I have to suffer with a lower credit rating. I've had XXXX for the last 3years always paid on time never a problem now because of a fraud who has stolen my social number and personal identity has destroyed my credit. XXXX XXXX manage are the collectors they're already trying to collect before I dispute they are trying to LINE there pockets from the innocent.

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Foursight Holding LLC
State: NC

Complaint narrative:
XXXX, XXXX, XXXX & FOURSIGHT CAPITAL fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given FOURSIGHT CAPITAL, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Was sent a letter that they are looking into it. 
However I sent inf to the identify fraud please see attached paperwork the card was used for transferring money in a XXXX scam.the info was sent to the FBI cyber unit. And the XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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:
There are 3 different collection accounts reporting to my Equifax consumer report from the collection agency XXXX XXXX XXXX. I have disputed all 3 accounts with Equifax and in return they were deemed Verified and Accurate which is false. I am currently in violation of my rights because XXXX XXXX XXXX is currently UNLICENSED in the State of Florida to operate as a collection agency and I am Resident of Florida. I verified this information by first visiting website https : //flofr.gov/sitePages/verifyalicense.htm where i found that the company is registered in that State of Georgia. I then went to website XXXX XXXX XXXX  to see what states they were registered as a collection agency in and they are NOT REGISTERED/UNLICENSED as a collection agency in the State of Florida. I have attached the screenshots of the webpages with the licensing information that was listed on sites.

The FCCPA, requires all debt collectors to be registered with the State of Florida. Florida Statute 559.553 states 559.553Registration of consumer collection agencies required ; exemptions. ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. ( 2 ) Each consumer collection agency doing business in this state shall register with the office and renew such registration annually as set forth in s. 559.555 Referenced from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached my drivers license photo as well to show Florida residency. 

Per Florida Statute XXXX XXXX XXXX is not allowed to collect any debts in the state of Florida and is illegally reporting these 3 accounts to my Equifax Consumer Report.

I have also attached my drivers license/id card and utility bill as proof of residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was a victim of a mortgage related wire transfer fraud. I was scammed to send {$10000.00} to the scammer. 

- Day of the scam : XX/XX/23 - Amount : {$10000.00} - Scammer 's Bank and account they use : XXXX number : XXXX Account Number : XXXX Account Name : XXXX XXXX The wire transfer was initiated by me, from my bank XXXX, to the scammer 's bank i.e. Bank of America. My bank XXXX is in the process of trying to get my money bank and I do not have any issue with them. 

My complaint is against Bank of America. I called BoA to create a BoA case to report fraud occur with their account number. I was pretty much told by the rep the originating bank XXXX XXXX XXXX will handle all fraud complaints with BoA. I, as the offended party, could not create a case, or some sort of record with BoA. 

When I asked, what if any steps, are going to be taken against the account, I was told my local police had to call BoA. In short, I, as a consumer, am not able to create a case with BoA. 

- I was deeply upset that BoA is not interested in preventing fraud. 
- They appear to be fine with being complicit in fraud. 
- I have no hope or expectation BoA will take the next steps to close down this fraudulent account and stop or prevent this activity moving forward. 

Either # 1 the scammer is XXXX XXXX, and BoA are knowingly aware of this fraudulent activity, or # 2 scammers can simply open fraud accounts with BoA under false names and BoA systems are so poor they can not detect this fraudulent activity. 

Details - BoA complain - I called this number ( XXXX ) which is Bank of America Fraud department. 
- I called on XX/XX/23 at XXXX XXXX CST - I spoke with the BoA rep : XXXX no last name, ID number : 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 2023-02-14 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: IL

Complaint narrative:
Charged on XXXX XX/XX/2023 for the amount of XXXX. Contacted Wells Fargo credit card fraud department and was assisted in resolving the issue. Questions were asked regarding recent activity and the transaction was removed. Two weeks later I receive a letter saying the " charge was authorized due to the card being in my possession at the time of purchase ''. I contact the fraud department again today, the XXXX, and am told that they reached out to me on the XXXX of XXXX and the XXXX of XXXX to validate additional claim information. The number used to contact me was connected to a phone I had broken in the midst of things, but I have since replaced and recovered said number. After two failed attempts to reach me regarding additional information, it was decided that that was enough to have the charge placed back onto my account at a new amount of XXXX. Last thing I heard from the fraud department was that I would receive a determination via mail in 15-25 days. 

I have three issues with the way this was handled. 
Firstly, the letter saying I had the card so therefore I made the purchase is lazy and naive. There are a number of ways to have card info stolen. 
Secondly, the information I was told on the phone today by the fraud department is inconsistent with the letter I was sent. 
Finally, the amount recharged to my account is greater than the amount of the original transaction.

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 2023-02-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB On XX/XX/2022 I sent a letter regarding inaccurate and unknown information on my credit report. 
To this day, over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored regarding my disputes. Section .611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these Items from my Credit Report. It has been over the 60 days so they should have been deleted or corrected already. I demand these accounts deleted immediately or I will file for litigation due to the stress and financial burden you have caused me. my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: FL

Complaint narrative:
CFPB On XX/XX/2022 I sent a letter regarding inaccurate and unknown information on my credit report. 
To this day, over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored regarding my disputes. Section .611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these Items from my Credit Report. It has been over the 60 days so they should have been deleted or corrected already. I demand these accounts deleted immediately or I will file for litigation due to the stress and financial burden you have caused me. my information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-02-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a mortgage loan from XXXX XXXX XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXXXXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Equifax, and XXXX XXXX XXXX  with no successful resolution. Equifax reporting me 30 days late in XXXX of 2022. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
When I got to know about the debt collection via credit karma notification, I immediately called the debt collector company TSI ( trans world systems inc ) to get more information on the debt. 

On XX/XX/XXXX, I called TSI and was informed to me that there is a debt on my account and if it is cleared, this will not be reported to any of the credit bureaus and the account will be closed. 
I was given a discounted price to pay of the debt and I was under the impression that by paying off, I will be safe as they will not report it to any of the credit agencies. So I settled the account on the same call and thought everything is settled per my community with the TSI agent. 

On XX/XX/XXXX when my loan officer tried to pull the scores, I got to know that the debt collection has been reported on your credit history and I was shocked to see that. I was under the impression that the account will be settled and it will not be reported to anyof the credit agencies but TSI has reported to credit agencies even after me settling the amount.

Please look into this at the earliest as I was almost about to buy a home and die to this unexpected reason, I had to hold off from buying a home for my family.. I got penalized even after settling the account.

I also reported this to TSI and they are doing an investigation on this from there side. 

Paid off the account on XXXX XXXX, XXXX XXXX reported to credit agencies : XXXX XXXX, XXXX ( as paid status ) where they told me they will not report after me settling the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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:
During boarding on the flight airport check-in kiosk requested to pay charges for luggage otherwise I would be denied boarding. When complained to airline ( XXXX XXXX XXXX ), the airline confirmed in the official email that the charge was a mistake since the luggage fee was included in the ticket price and my charges should be reimbursed. I tried multiple times to contact the company that made charges during check-in ( XXXX XXXX XXXX ) but received no responses. Chase credit card did not help me to reverse charges and refused to help with the dispute resolution after I faxed all necessary proofs ( letter from airline ) that charges were mistaken and I should not be charged in amount of {$150.00} on XXXX XXXX. So I was charged for a service that I did not receive. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XX/XX/XXXX I deposited a check for {$15000.00}. to wells Fargo Savings. ten months later ON XX/XX/XXXX Wells Fargo reverse the deposit stating not endorsed. My account is now MINUS {$15000.00}. I HAVE SAT ON THE PHONE 5 HOURS. NO RESOLUTION, I HAVE OPENED SEVERAL CLAIMS REGARDING THIS MATTER. NOTHING. THIS CHECK CLEARED ALMOST A YEAR AGO. I DID NOT RECEIVE ANY WARNING THIS WAS HAPPENING, NOR HAVE I RECEIVE ANY NOTICES FROM WELLS FARGO 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 2023-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
I got the car on XX/XX/XXXX and I have tried since XX/XX/XXXX that they cancel contract. Because I can't make 184 a month and I told them that plus I am a patient at XXXX XXXX XXXX i bipolar manic depressive and classified XXXX XXXX XXXX XXXX and I did not understand the contract fully a person that is unable to pay debts can not enter into a contract and a person with psychological disability can not enter a contract the credit acceptance corporation will not listen I tried telling them my medical condition but they still won't void the contract i did understand the contract and not able to pay I have someone that helps with my bills and won't pay a car payment when the buyer is mentally disabled I need this contract voided and I need my car back I was on medication when I. Went to dealership and I went there to find out if I could get my XXXX fixed then all sudden I'm signing papers I don't remember doing

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