vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-15 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX ( a Wells Fargo Credit Card / Financial product ) runs a fraudulent " rent payment '' program via its mobile application platform. For now two months in a row, I used their platform to issue a rent payment to my landlord. The rent in question is {$6500.00}. 

- On XX/XX/2023, I initiated the {$6500.00} rent payment on the XXXX XXXX. XXXX withdrew via ACH, on XX/XX/2023, from my XXXX bank account, the amount in full. 

- On XX/XX/2023, XXXX charged my XXXX credit card, without my consent and authorization, and fraudulently, for {$6500.00}. I noticed the charge a few days thereafter, reached out to customer service and they agreed to remove the charge. Had I not noticed the charge, XXXX would have enriched itself fraudulently by double charging me for rent. 

- The additional, fraudulent charge of {$6500.00} on my credit card statement caused a precipitous decline in my credit score, for overusage of credit lines ( the document attached shows my credit score being reduced by over XXXX points, and my credit usage at 333 % due to this charge ). Since this charge is fraudulent, and not my responsibility, I demand that XXXX rectify the disastrous effects this has placed to my credit score, my ability to secure credit, and the work it will require to rebuild my credit to satisfactory levels. 

- On XX/XX/2023, I initiated a the same {$6500.00} rent payment on the XXXX XXXX. XXXX withdrew via XXXX, on XX/XX/2023, from my XXXX XXXX account, the amount in full. 

- Unbelievably, on XX/XX/2023, XXXX charged my XXXX credit card again, without my consent and authorization, and fraudulently, for {$6500.00}. I am in the process of getting this charged removed. 


It is clear, based on two months of evidence, that XXXX operates a fraudulent " rent payment '' scheme and the CFPB should intervene, stop the program, and ensure that every person who used it has not been double charged. The CFPB should demand full accountability, and damages to every renter affected.

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 2023-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: KS

Complaint narrative:
I GENUINELY dont know if this company is run by idiots, or if they really are the way that they act, but I just think that it is EXTREMELY funny that Ive contacted these people numerous times, to no avail EXPLAINING TO THEM THAT I DONT OWE ANY DEBT TO THEM OR WHOEVER XXXX XXXX IS XXXX!!!!!!! I dont know how many times Im going to have to say this to where they get it through their minds that I HAVE NO DEBT WITH THEM!!!!! And that because of their negative trade line that theyve just added to my credit reports, I will be having correspondence sent to their company detailing that as of XX/XX/XXXX they are hereby notified that litigation has begun against them and their subsidiaries. For falsely placing an erroneous debt against me on my credit, which has severely dropped my score and is preventing me from having financial freedom, so this is a notification that you all are being sued to the fullest extent of the law, and that my attorney has advised me to extend this one last offer before proceedings against you all commence. Stop trying to collect on this erroneous debt, as well as remove your fraudulent trade line from my credit reports ( XXXX, XXXX, & XXXX ) immediately. As well as any other parties involved, or you all will be sued for restitution, as well as for damages, leading to me missing out in past credit opportunities due to you all reporting a false debt, along with covering my legal fees as well. This is not a game or a joke anymore as legal proceedings will commence XXXX, XX/XX/XXXX if this is not rectified by then. This is your last chance to make this right, as my attorney has been guiding me through this process, detailing every step so that way when it comes time to seek judgment against you all, every attempt has been tried. This is your choice.

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 2023-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
Me and my wife were XXXX from XX/XX/2023 until XX/XX/2023. During this time our LOCKED filing cabinet was broken into and ALL of our personal banking information was taken and used to deplete our checking account of roughly {$36000.00} that was part of a Workman 's Compensation settlement. I'm sure M & T Bank will be able to look on their database and see everything that has been brought up about this case, including ALL the information and documents we have been sending to verify all of this fraudulent activity. We have been claiming this fraud case since XX/XX/XXXX XXXX XXXX, which is the day after we were released. Ive gone in person to file the claim and explain everything that happened and why its fraud. Ive filed with the XXXX  XXXX Police XXXX XXXX XXXX XXXX XXXX XXXX for the culprits that broke into our locked filing cabinet and stole our banking information. We even had a family friend call and notify M & T Bank of the fraud that was occurring and M & T Bank did the BARE MINIMUM to prevent it from continuing. We gave the XXXX XXXX Police XXXX Report to an M & T Bank branch in our area and even uploaded a copy to the CFPB complaints. EVERYTHING HAS BEEN DENIED BY M & T BANK. M & T Bank has acknowledged around {$1000.00} as fraud, but my family is still robbed of {$35000.00} FROM FRAUDULENT ACTIVITY. If nothing else is done on M & Ts then we will take M & T Bank to court. We willl acquire a lawyer and M & T Bank will also be responsible for our lawyer fees. We will subsequently file additional reimbursements for time and all additional expenses, including time required to take off work. This case is obviously fraud and we dont understand why M & T Bank would cause such a headache for a family that has been banking with M & T for over a decade. I look forward to a response. Thank you for your time.

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 2023-04-15 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose therefore kindly maintain the accuracy and correct it as paid on time.

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 2023-04-15 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: WI

Complaint narrative:
PayPal refuses to give me my {$1000.00}. They have placed it on hold and have marked my account as risky without any evidence to suggest their claim. All of my customers received their items and as described ( all orders are tracked and were delivered ). I was able to receive my first payment of {$1300.00} but they refuse to give me my remaining held funds. I am told I have to wait 180 days and then will be given instructions on how to withdrawal or transfer my funds. They have permanent disabled my account. I need my money now, not 180 days from whenever they think I can have it. It is not their money, it is mine. They can not tell me when I can have my money. My buyer paid me {$2300.00} on XX/XX/2023. On XX/XX/2023 my deposit transfer of {$1300.00} was completed. My {$1000.00} is currently being held from me. I can not afford to have this withheld for 180 days. I have messaged PayPal daily demanding my money be released immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-15 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: Affirm Holdings, Inc
State: LA

Complaint narrative:
Notified company that accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: NM

Complaint narrative:
My grandma was sick and I needed money for the bills so I took out a title loan for XXXX $ ( @ 175 % APR ) in XXXX of XXXX now. on XX/XX/XXXX my grandma passed away and I'm left with all the bills, I'm a XXXX XXXX XXXX XXXX that was hit hard by COVID and I explained this to the title loan company but they towed my car when I was visiting my friends apartment after 2 missed payments that is XXXX total but when I called them they are trying to charge me XXXX to get it back and that's not paying the tow fees and if the car gets sent to auction they said there will be more fees. I got a letter in the mail saying my car would be sent to auction after XXXX but when I called them to retrieve my belongings on XXXX they said my car was sent to auction already..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery calls me on holidays, weekends, and violates my rights by the Fair Credit Act. They have repeatedly called me before XXXX and after XXXX. They do not follow the rules. They harass me on a daily basis, even after blocking the number every time. I have proof of times that they have called by taking screenshots that were outside of XXXX. I'm sick of them breaking the law. They need to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15 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: Radius Global Solutions LLC
State: LA

Complaint narrative:
Notified company that accounts do not belong to me.

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 2023-04-15 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Notified company that accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingUSA
State: TX

Complaint narrative:
I received this email saying this : XXXX XXXX Thank you for showing your interest in the Loan with us LENDING USA and this is the confirmation Email to let you know that the loan application has been approved Please call us back on our number or reply to this email so that we can call you and explain the terms and condition of this loan. 



Also we have mentioned below the monthly installment plan for the loan of amount from which you can choose any of the following you are comfortable with and you can pay up your loan back with easy monthly installments. 





To know more about monthly installment plans for this loan amount please call us back on the number below. 



Furthermore, we would like to share that once the loan is transferred into your account the first monthly installment will be due within the first 30 days on the date you will give the authorization for. 



For more information you can get back to us on our number given below or reply to us on this email. 



We look forward to hearing from you. 



Please find the attachment. 



Thanks and regards, XXXX XXXX Sr. Loan Officer, LENDING USA XXXX phone number : XXXX ( XXXX ) XXXX XXXX LENDINGUSA So when I called to the main office they said that my loan doesn't exist and to report it because a lot of people are getting scam from this same 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 2023-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XXXX XXXX  2023, I opened 2 online account via Citibank online, transferring XXXX and XXXX respectively to checking and savings accounts, waited 5 days for the funds to clear and then tried to create 2 Certificate of deposits to 90 days and 30 days, which I Attempted to fund but was unable to fund for some unknown technical reason. I called Costumer service and someone explained that those CD were faulty and were going to disappear after a few days and he created another for XXXX which was to be funded in 5 days, he also transferred all the monies in the savings XXXX back to checking. On XX/XX/XXXX, I intended to complete all the features of checking account and created a XXXX XXXX to myself and attempted to transfer back XXXX to my XXXX account, at this time I got locked out of the account, claiming security reasons. I spent 2 hours on the phone and was able to unlock. Next morning, Friday XX/XX/XXXX I attempted to log in and was completely blocked again, I called and was informed that the accounts were in process of being closed and it would take 6o days to get a check in the mail. I went in person to a nearby branch and Costumer service XXXX XXXX attempted to unblock the accounts unsuccessfully and online Security and Fraud Prevention dept were unable to give a reason for the closing or a legal basis for not disbursing the funds immediately. 
Manager, XXXX XXXX intervened and after a 3 HOURS was able to unblock and I was instructed to create a new username and password, issuing a temporary ATM. We verified that it was unblocked at the bank. I received an email from Citibank indicating all was good and the attempted XXXX transferred funds to my XXXX account was released. 
This morning Sat XX/XX/XXXX, I attempted to access my accounts and I am again blocked, I called the number indicated and they claim no know nothing of the reason. 
At this time they are holding XXXX in a 9 month CD, a credit card I had for 7 years and XXXX in a checking account. I am unable to access my accounts or get information about it.

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 2023-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Ive been communicating with this company since XX/XX/XXXX trying to get them to remove this fraudulent account off my credit file. They have given me the run around have not been honest. They told me the proper steps to take to get this resolved. I did all the proper steps and no one has responded back to my request. They recently told me that if I wanted this debt removed I would have to pay it and once its resolved they will work with me to get my money back. So I paid this debt because I wanted it off my credit report which I never received a receipt for. Since then this item is still on my report and No has did anything in helping getting this off My report or get my money back to me

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 2023-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
THE LAW 15 USC 1681 SECTION 604 A SECTION 2. states a consumer reporting can not furnish any information relareing to a consumer or to any consumer reporting agency if the person has reasonable cause to belive that information is inaccute. 

this acct is inaccurate XXXX XXXX  XXXX acct # XXXX if this acct is a charge off why does it show i just missed a payment why does it show a balance under federal law my rights where volited by this company and i plan to seek damages

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 2023-04-15 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates has been and currently is reporting a closed/old account as an open/newer account on my credit report. This account was opened in XXXX and was closed in XXXX. Portfolio Recovery is reporting that this account was opened on XX/XX/XXXX and shows that the account status as " open '' on my credit report. 

At first I thought it was fraud because of the dates they have listed on my credit report along with the " open '' status so I disputed it as fraud. Once the credit bureaus declined my dispute, I looked further into it and realized that it is my old XXXX XXXX ( XXXXXXXX XXXX XXXX credit card account that is being reported as a newer opened account. I continued to dispute Portfolio Recovery on my credit report for incorrect dates and it keeps getting denied. 

I called XXXXXXXX XXXX  directly and they told me they no longer have any information on this account and that I need to contact the debt collector to obtain information/documentation. 

I called Portfolio Recovery Associates and asked for any documentation showing the original opened date for this account and I was told they do not have such documentation and that they can not send me the original account information showing when the account was actually opened even though they confirmed to me on the phone that the account was in fact opened in XXXX and closed in XXXX. 

I then contacted Portfolio Recovery Associates a second time by email and asked them for my disclosure file. I also specifically asked them for the date the account was opened and the date of delinquency. Portfolio Recovery has not responded to my email. They refuse to give me this information in writing, they will only confirm the dates verbally over the phone so I do not have proof/confirmation of the true account information. 

I need help. I have attempted every avenue to get this information from Portfolio Recovery and to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose therefore kindly maintain the accuracy and correct it as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank sent me a letter stating that they needed additional information 'regarding my application ' on a card that I didn't apply for. 

When contacted them with the number provided, they just approved the card with no way for me to dispute it. 

I tried to contact their fraud department, but was caught in a Catch-22 because they want my card number, which I don't have -- because I didn't apply for 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 2023-04-15 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: VA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request of block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : Are you familiar with something called : 15 U.S.C. Sec. 1681i A? I heard that if you cant provide proof, these accounts must be deleted. Equifax is governed by 15 U.S.C. Sec. 1681i A. You have violated my rights numerous times. According to 15 U.S.C. Sec. 1681i A : I have the right to privacy, I havent not given XXXX written permission to furnish these accounts. So, could you please check on these and get back with me? I saw on the Virginia Attorney General XXXX XXXX Website Board that you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Hard Inquiry A ). XXXX XXXX XXXX

Company response to consumer: Closed with explanation