vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I'd like to formally file a complaint against Bank of America. While trying to recoup funds that I transferred in an international wire transfer, a Bank of America employee in the wire department gave me wrong information, and they failed to file my case with the fraud investigation team. I believe Bank of America has impeded the refund process and is partly responsible to possible irrevocable loss of funds. 

The international wire transfer was initiated on XX/XX/XXXX at XXXX XXXX. I realized it was a scam shortly after, and attempted to reverse the wire at XX/XX/XXXX at XXXX XXXX. I was transferred to the wrong departments, and eventually got a hold of XXXX at the XXXX Department at XXXX. XXXX told me that he saw my transfer was in a " compliance review '', and he couldn't update the status of the transfer. He told me that Bank of America would need more information before approving the transfer. He assured us the transfer would not go through without Bank of America getting more information. 

On XX/XX/XXXX at XXXX XXXX  I received an email from Bank of America that my wire transfer had successfully gone through. I didn't see the email until the afternoon. I immediately called XXXX at XXXX XXXX  and was on hold for XXXX minutes before I got a hold of XXXX. I told him what happened, and he said that usually Bank of America would need more information, but for some reason they didn't in this case. This was in direct opposition of what he told me 3 days before. I asked to get a recording of our call on XX/XX/XXXX because it was the complete opposite of what he told me. He said he couldn't give those records but he could have a supervisor listen to the call and contact me. I was never contacted by a manager or supervisor. 

Also, Bank of America failed to alert the fraud investigation team of my case until XX/XX/2022. It was only when I gave them the police report file number that they realized no one had initiated my case with Bank of America 's fraud investigation team. That was XXXX weeks after I called attempting to cancel the transfer, which again, was the same day the transfer was initiated on XX/XX/XXXX. I believe Bank of America is partly responsible for the loss of funds due to wrong information given to me, and a lack of action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: KY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, US DEPT ED : # XXXX, XXXX/DOFED : # XXXX, XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
FCRA 604 Permissible Purpose FCRA 609 Disclosures to consumers AD Astra Recovery is not licensed as a collection company in VA or MD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A fraudulent invoice was sent to me through paypal.com. This triggered an official email from paypal to be delivered to me which included a seller 's note which was the scammer 's number. After I was unable to dispute the charge through paypal app and paypal.com I called the number on the seller 's note which began the process of identity theft. Believing I was on the phone with customer service, I followed their instructions which was to first download the XXXX XXXX  and then gave them remote access to my cellphone. They told me someone had opened credit cards on my account and that I would need to start the process of opening up a credit card to cancel all fraudulent activity. A card was then opened through the Venmo mobile app ( card issued by Synchrony Bank ) and the scammer pretended to cancel fraudulent charges by sending money to themselves. This was about an hour on the phone, then the scammer instructed me to send money through other XXXX XXXX XXXX. We signed up for an account on XXXX to begin the scam cancellation of wire transfers and we also sent money through XXXXXXXX XXXX XXXX  on the chase mobile app. By this time I had already given the scammers my full information including my name, address, account numbers, card numbers and social security since all that was necessary in issuing the credit card. 

{$500.00} total was sent through XXXX XXXX pay on the chase mobile app which directly came from my account. {$740.00} total was sent through Venmo for the Synchrony Bank card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Comenity Capital Bank recently refused to honor the following payments from my Comenity savings account : Date Initiated : XX/XX/XXXX Recipient : Financial Industry Regulatory Authority , Inc. ( FINRA ) Purpose : Registration Fees Amount : XXXX Date Initiated : XX/XX/XXXX Recipient : XXXX XXXX XXXX  XXXX. ( Chase ) Purpose : Credit Card Payment Amount : {$130.00} With regard to the FINRA payment, on two separate occasions I spoke with a Comenity customer service representative ( XXXX is her name I believe ) who incorrectly told me that the payment to FINRA was honored but that FINRA returned the payment to Comenity with no reason given. I incorrectly relied on this completely bogus information in my conversations with FINRA.

Comenity provided no reason for blocking these payments other than to say my savings account is a non-transaction account. It seems completely arbitrary that Comenity should block these payments. Since opening my savings account on XX/XX/XXXX, XXXX has processed payments to a wide variety of recipients, including : XXXX XXXX XXXX XXXX credit card XXXX Internal Revenue Service tax payment XXXX XXXX credit card payment Commonwealth of Massachusetts tax payment XXXX XXXX credit card payment XXXX XXXX credit card payment As a result of Comenity blocking the payment to FINRA, I was late in paying my investment advisor registration fees, which put my employment status at risk and forced me to initiate a wire transfer to complete the payment. Similarly, as a result of Comenity blocking the payment to XXXX, I am late in paying my credit card bill, which will cause me to incur late charges and fees. I have spent an immense amount of time and suffered much XXXX  and stress during my attempts to resolve these payment issues. 

I have never previously had a payment blocked by Comenity and there seems to be no rhyme or reason why one payment request would be honored while another is not. More troubling, neither at the time of opening the account nor at any time subsequent to opening the account was it disclosed to me that Comenity may block a valid and legitimate payment for no apparent reason. Comenity has provided no specific guidance as to what payments will be honored and what payments will not be honored, which is completely unacceptable. The only reason Comenity should be allowed to block a payment is if it believes the payment is fraudulent or unauthorized. And in this case it should only be allowed to block a payment if it has made a reasonable attempt to contact me in an attempt to verify that the payment request is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got 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 non-monetary relief
Consumer complaint received 2022-12-15 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a store credit card through BJs with comenity bank ( newly updated to bread XXXX  ) and they have not reported any of my payment or balance updates since XXXX. 
I have been repairing my credit and processing a refinance loan and this impacted my debt to income ratio and continues to impact my XXXX XXXX. I have a XXXX balance and it displays as a XXXX  % usage last reported in XX/XX/2022. I sent a dispute to all XXXX credit reporting agencies and submitted an update request directly to comenity. The response I received is : We recognize that you've recently made a payment, but it is not reported to the credit bureaus. I understand how this can be frustrating for you. 
Because of a recent system update, we are not reporting account updates to credit bureaus while our processes get aligned for accuracy. We have our customers ' best interest in mind, and will soon resume our standard practice of providing updated account information to the consumer reporting agencies with each account billing. 


Is that even legal? They are purposely withholding updates to credit reporting which can both positively and negatively impact scores used for consideration in financial transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I'm a victim of bank fraud because of transactions that occurred at the Wells Fargo XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX located in XXXX Texas XXXX I checked my account-activity the XXXX of Saturday XX/XX/XXXX and noticed on Friday XX/XX/XXXX, XXXX in-branch bank withdrawals were made out of my accounts. The branch teller at this location handed over approximately {$11000.00} of my savings to someone else ( not me ). I do not live in XXXX Texas, nor have I ever visited the state of Texas. I live in another state approximately XXXX miles away. Upon discovery of these erroneous disbursements out of my accounts, I contacted Wells Fargo and asked for reimbursement. I was informed they would conduct an investigation and was given XXXX case numbers. I requested reimbursement right away, but was then told they needed to go through the investigation process, and it could take up to XXXX business days to receive reimbursement. Needless to say, I received reimbursement after multiple calls speaking with supervisors and whoever else I needed to contact further up the chain to get my funds returned to me before their " 10 day window ''. No one at Wells Fargo could/ or would inform me as to the location the theft had occurred because all it stated in my account detail activity next to each withdrawel was " in-branch transaction '' - no location, no identification, no indication as to where the transaction took place. You know how I found out it was the XXXX Texas branch? I received an automated emailed-survey from the XXXX branch asking how my visit was and to give them a XXXX star rating. Upon receiving this email, I contacted the XXXX Texas branch and spoke with the branch manger. I demanded to see every detail on record related to these fraudulent withdrawals, including signatures, id 's, teller information, receipts, video, and if police were notified. But the branch manager would only tell me that the matter is being investigated. I asked the branch manager I needed to speak with her supervisor, but no one else contacted me from that location. I reached out to an attorney who sent a letter to Wells Fargo requesting the above information. Wells Fargo 's legal team responded that providing any documents without a subpoena is against Wells Fargos corporate policy. Also stating Wells Fargos compliance with my request is strictly voluntary. " XXXX '', to me, means they can give the information I seek, but they choose not to - what are they hiding? I need answers - not a word salad. Except for a small balance remaining in my checking account, I moved the rest my funds to a more reputable institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/22 i went to USPS Service to do my daughter passport i gave a check and the check came back with non sufficient fund. so i would like to know what to do now because i tried calling the place called XXXX to try to see what my next step is i called like 20 times and left 3 XXXX  no one has gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: IN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got 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 non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Applied for a loan and gave all my important information to scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: MO

Complaint narrative:
I previously disputed these inaccurate accounts below and XXXX and Equifax to be specific keep sending me and my husband computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ). I have 9 of the same account reporting on my Equifax with no name attached which is completely inaccurate in itself. Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. Under 15 U.S code 1666 ( b ) Billing error i always paid as agreed and never late. 

Accounts Being Disputed : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I previously disputed these inaccurate accounts below and XXXX and XXXX to be specific keep sending me and my husband computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ). I have XXXX of the same account reporting on my XXXX with no name attached which is completely inaccurate in itself. Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. Under 15 U.S code 1666 ( b ) Billing error i always paid as agreed and never late. 

Accounts Being Disputed : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. BANCORP
State: KY

Complaint narrative:
notice of multiple fraudulent charges on contract

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