vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had approximately {$61000.00} of fraud against my Bank of America credit card in XXXX and in XXXX for some one using my credit card numbers for purchasing XXXX XXXX online, a publicly traded company our of XXXX Ohio.I originally thought this was a subsidiary company for my property and casualty insurance as they often bill under separate corporation. I was forced to speak to more than 25 people over a 3 month period as no one would engage with me beyond taking information. I also had my card terminated for fraud and was issued a new card.

For the next 2 months with the new card, there were additional {$10000.00} charges against my card. I finally spoke to an " XXXX  '' in the Delaware fraud office after they convened a meeting with XXXX XXXX. They agreed it was a fraud and covered only {$20000.00}. After multiple appeals, I was told by XXXX that the underwriters found merit in my case and please leave 2 billing cycles to see the balance covered. That was XX/XX/XXXX. 
I waited. On XX/XX/XXXX, I got a letter that was dated XX/XX/XXXX, that my claim was denied in full. They will no longer consider covering the fraud they acknowledged occurred. 

It appears they are adopting a deny, delay and defend posture. However they advertise fraud protection and I should have to take legal action because i am the victim, first of the fraud, and now from Bank of America Credit 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 monetary relief
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: PA

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
I was using Zelle to receive money for chairs that I was selling. The buyer told me she sent the {$250.00} using Zelle to my Zelle account. I then received an email from Zelle saying my account was not a business account so my {$250.00} was on hold. It said I needed to contact the sender and that the sender would need to send me an additional {$250.00} ( for a total of {$500.00} ) to upgrade my account. The sender says she did this. Then, I get another email from Zelle saying that I now have {$500.00} pending in my account. The email said that to receive my full {$500.00}, I would need to refund the {$250.00} to the sender, send a picture, and then the money would come to my account. I did this, however it did not work. This then prompted me to call XXXX XXXX. I explained the to XXXX XXXX what was going on. They said that everything was fine and that it seems like the transaction was canceled and to try it again. So I did, with the ladies different account. The {$250.00} was sent, and I never received my {$500.00}. The lady then scammed me again into believing that I did it wrong. She made me send her an additional {$250.00} ( {$500.00} total ) to her. I never received any of my money. I called XXXX XXXX  anf Zelle. They said nothing can be done since I authorized the transaction. However, I was scammed by Zelle and misinformed by XXXX XXXX that the transaction was safe and that it was ok to continue. Zelle and XXXX XXXX are at fault and wont help me get my {$500.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
Simon 's Agency has been reporting a debt/charge off ( {$34.00} ) that has never been verified as mine. As of XX/XX/XXXX the company has been reporting a medical collection that they never contacted me about. Then on XX/XX/XXXX the company reported it as a new account which means it was reporting double. It is negatively affecting my credit and harming my reputation. And then when I disputed it, they verified it with the consumer reporting agency. There is also a statue of limitations on this type of debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: FL

Complaint narrative:
I recently checked my credit report and noticed that there are accounts opened in my name that I didnt authorize or consent to and inquires

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 2022-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I live off a monthly benefit check which is directly deposited in my Wells Fargo checking a count. I have been a customer since XXXX. Apparently. Wells Fargo gave me a temporary credit due to having a negative balance prior to receiving the XXXX  tax credit. Yesterday, the bank reversed the temporary credit in the amount of XXXX which is more than my monthly benefit check, leaving my account in the negative {$300.00} and no money to pay utilities, for gas, groceries, to pay car payment or live on. I do not have food to eat or gas to even leave my driveway. I can not survive, already have XXXX and struggling.

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 2022-05-28 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have XXXX with my credit monitoring company or with the bank involved. In fact, my credit monitoring company XXXX XXXX XXXX ) picked up and alerted me to an attempt to open an account in my name at a bank ( Wells Fargo ) which with I have no prior or current relationship. I have spoken to Wells Fargo and they have " frozen the attempt '' - they have been helpful and responsive. I have also frozen my credit bureau reports ( XXXX, XXXX, XXXX ) on line and the fraud team from XXXX XXXX is apparently also to follow-up on this. So I actually have no complaint but was advised to report this occurrence to the CFPB since it appears to be an example of attempted identity theft

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 2022-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I attempted to pay off my outstanding balance of XXXX. I was successful which should have brought my balance to zero. Bank of America keeps taking XXXX from my checking account. Theyve taken over XXXX. I called they told me to stop the payments. They keep taking it out. And they wont even let me use the money on my now negative balance card. They decline all charges.

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 2022-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Midland Credit Management informed me that I have debt from XXXX XXXX XXXX that has been transferred to them, then I made requests that they sent me debt validation documents to establish their claim which they declined give me couple of time and were just routing my calls to different department. ( The sign agreement is the basis of every transaction which I'm entitled to see ). 

Then in XX/XX/XXXX, I received a summon from conciliation court to appear because MCM represented by XXXX XXXX has sued me on the alleged debt. The hearing was scheduled for XX/XX/XXXX. Again I immediately made effort twice to write both parties to send me signed agreement on the card to valid their claim but all they sent was bill of sale, and statement. Also, I called both entities but was been pushed around and told that they don't have the document I requested. 

During the cause of my call to Midland Credit XXXX, I discovered someone in XXXX has access to my Personal Identification Data ( Name, Address, DOB, SSN ), through their organization mismanagement of data of which I confronted the individual. That individual quickly hung up the phone when I told her i will file a complain about the breach. I wrote 2 letters to MCM to explain why my data is in XXXX through them and to establish the debt again but they ignored my concern. 
I have received a lot of phishing, scamming attack and scammer calls since from the period that MCM notified of the alleged debt. 

At the hearing, I mentioned to the judge all the efforts I made to MCM to validate their claim to furnish me with the agreement on the alleged debt and the breach of my PII but the judge quickly shut me down and gave the plaintiff the opportunity to bring in statement, bill of sale denying me the chance to defend myself as specified by the law, I'm planning on vacating the judgement because the hearing was bias. 

I have attached the letters of validation I sent to MCM and XXXX XXXX I will like FTC to assist me in this matter because I'm financially handicap, I lost my job for over a year during the pandemic, I'm currently going to school, got sick thrice and just getting back on my feet after I escaped from my abusive spouse. 

thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX has locked my account, I have called them several times. They arent willing to assist and are claiming that my account isnt locked. I really need EQUIFAX to update my profile and make it accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
As per the credit reporting agencies, the date this account was opened with Southwest Credit Systems was on XX/XX/2022 ( in the amount of {$550.00} ). There was no correspondence sent to me from this company explaining my rights or steps to take concerning this alleged debt. On XX/XX/2022 this account was posted to my credit file harming my reputation and dropping my score more than 20+ points. I have reached out to the company in reference to this account and their violating of federal law 15 U.S.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have been with the state employees credit union for more than 20 years, since I was a teenager. Around XXXX, I had some issues with them trying to apply for a mortgage loan. They gave me the runaround from branch to branch until I started complaining about the services and misinformation I was receiving. Then, I requested that my wife and I open an additional share ( savings ) account to start saving money together. It was denied to me for reasons unrelated to my credit or banking history. When they tried to fix their mistake, I refused to do business with them. 
In XXXX I bought my home with no problems and got financing through my builder. Within this year, I tried to refinance my home with the credit union and was denied, despite the fact that my credit score exceeded their " qualification '' expectations. 

Prior to all of this, I also had a personal loan to consolidate my credit cards, and I paid that loan off on time and early. On XX/XX/XXXX, I tried to consolidate them but was denied again. 
I am filing a complaint because I believe the secu has retaliated against my previous complaints against branches and executives. I can not retrieve those prior messages from the portal because their system limits the amount of time before deleting them. 
Filing this complaint is only step to show how the credit union has discrimination and I can say with several other people that I know personal, of color, have experienced this with the credit union. 
I am disgusted that I have always tried to keep a upstanding credit and payment history with the bank, only to express my concern about the miscommunication with trying to purchase a home and they credit union decided to black mail me from any future lending services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I was searching for a portable AC unit online using XXXX XXXX options popped up I chose a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when I made the charge using PayPal I press the button for the amount and the charge came out to a different company the XXXX XXXX XXXX XXXX I immediately knew something was wrong with that so I contacted PayPal and filed a complaint about to charge within 20 minutes PayPal did their investigation and said that the purchase was in line with my searches and it was an authorized purchase to check my receipt I don't know how they came to this conclusion because I have no receipt after I made the purchase the company disappeared all I saw was that foundation I mentioned before and I can not get in contact with him at all and I have no receipt for no product I don't know how PayPal come came to their conclusions of the product information they said they say the charge went to a an email address. XXXX so they know that the charge went to this email address instead of i the company and there investigation was flawed or fraudulent because I can find no information on the purchase and they say that it was authorized and if I purchased from this company first and the charge came back to another family this foundation and some God knows where country I think they're investigation which was completed in about 15 minutes or must have been a complete fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid company XXXX XXXX in settlement and experian will not remove, even though they removed another account XXXX XXXX XXXX  ) which was paid in a settlement as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit reporting agency failed in completing an investigation for incorrect accounts on my credit report. They failed to do nothing and according to the FCRA inaccurate reporting on a credit report needs to be removed because its violating the FCRA laws.

FCRA section 807 violation. Misleading false reporting. Remove accounts immediately. This account is reporting a past due amount. I don't know what this is. Remove immediately. Late payments are being reported after the account was charged off. This is a FCRA violation and you can be fined upto {$1000.00}. Remove immediately. 

In accordance with the Fair Credit Reporting act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

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 2022-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Due to the current pandemic of covid, cable, satellite and communications companies allow people to open accounts online and because anyone can easily manipulate an identification care, i.e., drivers license, passport, etc., these companies have made it easier for fraudsters to open accounts under anyones identity at any mailing address without proof of residency, i.e., electric bills, lease agreement, deed of trust, cell phone bill, etc. 

When these fraudsters open an account, they dont pay the balance, then the balance is reported to the credit bureau as a default of payment. The companies listed above that allow this, now ask the person whose identity was stolen to provide proof of their identity in literally an 812-page affidavit with copies of proof of residency in order to stop the collectionsthis should be the other way around, these companies should ask the applicant to provide proof of residency. 

Bottom line, the companies above should have some form of regulation if they are going to make it easy for anyone to open an account. I have asked the collection companies and XXXX, the account Ive been reported to open, which I did not nor have I ever done business with XXXX. They refuse unless I provide an 11-page affidavit and provide proof of my residency that I have never lived at the address in question in the outstanding debt. 

They should require some type of two-factor authentication, i.e., a cell phone where they call you and verify the cell phone registered/opened under your name. Something besides fill out our online form with a picture ID that can be forged/altered. They make it easy for anyone to open an account but make it extremely time consuming and difficult along with an inconvenience for you to prove the account was never yours that they opened. This is outlandish and should be addressed through new legislation to help prevent identity theft and consumer anguish. 

In my case, apparently XXXX opened an account through an online application sometime in early XXXX and began collecting on it in XXXX XXXXand I only found out because I monitor my credit report. That said, when they opened the account, they do not report it to the credit bureaus that the account is openedso I could have caught it thenno, they report it to the credit bureaus only when it becomes delinquent. 

In my case, the first report was in XXXX XXXX, and when I disputed it, it was removed only to reappear in XXXX XXXX through CCS Collections and then reverify it on XX/XX/XXXX after I reported it as disputed. I have disputed it again and they refuse to remove it and refuse to provide documents to demonstrate proof that I opened this account.

Company response to consumer: Closed with explanation