vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX, at XXXX, I received a text from Wells Fargo Bank Fraud Dept asking if I had made a XXXX transfer for {$1000.00} to XXXX XXXX. I replied no. The message said a customer service representative would contact me soon. Shortly thereafter, I received a call from the Wells Fargo number on the back of my debit card. 
The person told me that money was scheduled to be transferred from my account to XXXX XXXX and I needed to go into XXXX to put the money back into my account. I questioned this but since I had never used XXXX and was somewhat panicked, I went into XXXX and proceeded to enter my phone number as directed. A scam notification came up and the caller said he had just put that on the page to stop any scams. 
He said we would do {$500.00} first and then we would do the other {$500.00}. When I hesitated, he told me to check the number on the back of my card. Thinking this was someone from Wells Fargo, I entered the amount. 
At this time, I asked if he could hold for a moment. I called my husband, who is a retired Wells Fargo employee, on my landline and just as I started to talk, the caller hung up from my cell phone. My husband came in and we immediately called the Wells Fargo number to report the scam. 
We were told that it would take 10 days to be resolved. 
Ive called several times only to be told after 10 days that the recipient institution had been contacted asking for a refund. On XX/XX/XXXX, I was told the claim had been denied and closed but could be sent to an escalation process. A customer service representative asked if I wanted to talk to someone in the executive office. I held for over an hour only to find out that the office had closed for the day. The following day, I spoke to someone in the executive office who asked me what did the original claim rep tell me about the provisional credit. I told him I wasnt offered it and he said he had no authority to give me a provisional credit or refund my money and that I should be receiving a letter in the mail. I have spoken to so many different people and all have transferred to someone else that I had to explain over and over what took place.

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 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX at XXXX XXXX I sent by accident XXXX from my cash app to my XXXX XXXX card ( XXXX XXXX XXXX XXXX XXXX ) well my bank said that I was over my limit and the network declined it saying they never received the money and it was sent back. Cash app says the network said it had been successfully sent. Ive called cash app and my bank.numerous times with several different attempts to.give my bank retrieval codes they said they never got.it so they couldn't use the code and they gave me a declined code for cash app well they said they wouldn't take it. Both places claim to have escalated my case to find out where my money was but noone seems to know. I have pictures where cash app told me that my money has went to 3different banks. I have 3 different retrieval codes.. This has really hurt me in paying my bills because this was all my money. Please help me find my money. Cash app charged me XXXX for it.to be instantly deposited to my bank so its actually XXXX that is lost.I 'll send more photos if I need to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: NJ

Complaint narrative:
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$990.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/2021 are reporting on my personal credit file with ( Equifax/XXXX/XXXX ) credit reporting agency . These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the account completely from my Credit Report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX Repossession XXXX XXXX - Charge-off XXXX XXXXXXXX Charge-off XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX Charge-off

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 2022-03-07 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: CITIBANK, N.A.
State: HI

Complaint narrative:
Upon reviewing my credit report, it shows a credit card from Citibank ( cbna ). I own no such card, nor made purchases on card. 

Report indicates a beginning date of XX/XX/2020, and purchase made, then not paid for and my name now has this negative credit history- unresolved. 
It is very ironic this card appeared in my name at the very same month I had to forcibly evict a mother and daughter from our residence. The mother and daughter had both both previously stolen my information and made fraudulent charges. 
The womans name is XXXX XXXX XXXX XXXX the daughter is XXXX XXXX XXXX both from SC.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under the Consumer Financial Protection Bureaus website there is an article on loans and the differences between a retail installment sales contract and a loan. The article addresses some confusions that the credit reporting agencies have on the difference between the two the article states " A retail installment sales contract agreement is slightly DIFFERENT from a loan '' See EXHIBIT A. A LOAN is a transaction between a consumer and a bank or other lender for MONEY, where you use the money to purchase a vehicle and agree to repay the loan balance plus interest I never received any money from anyone. A RETAIL INSTALLMENT SALE CONTRACT, on the other hand, is a transaction between consumer ( me ) and the dealer to purchase a vehicle where I agree to pay the dealer over time, paying both the value of the vehicle plus interest. I have provided proof showing my transaction was not a loan but retail installment sale contract see EXHIBIT B, you can clearly see the amounts and monthly payments match from exhibit B to exhibits C and D. Exhibit C provides the inaccurate credit reporting being done by Transunion where they have mislabeled the type of transaction that occurred to an AUTO LOAN. You can see the same inaccuracy being done by XXXX where they have labeled the transaction that occurred to an AUTO LOAN as well. Both XXXX and Transunion are reporting inaccurate which is a violation pursuant to federal law and must delete the accounts from my reports 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 2022-03-07 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: NY

Complaint narrative:
I was given a loaner car by XXXX XXXX XXXX ( XXXX ) from XX/XX/XXXX to XX/XX/XXXX while my car was in for service. On XX/XX/XXXX, my Chase credit card was charged {$130.00}. I spoke with XXXX, the loaner car manager at XXXX, who said it was due to toll charges. When I told him that I should not have any toll charges, he said he would look into it. I received another charge for {$58.00} on my Chase card on XX/XX/XXXX and again spoke with XXXX, who again said he would look into it. The next day, XX/XX/XXXX, I received another charge for {$50.00}. I called XXXX yet again and he again said he would look into it. I never heard from XXXX again despite leaving multiple voice mails. To reverse these incorrect charges, I filed a dispute with Chase. I was told by Chase that the charges were valid and to file a fraud claim if I disagreed. I did this and had to obtain a new card # as a result. When I received a notice from Chase on XX/XX/XXXX that I was still responsible for the charges, I called XXXX again. I was made aware for the first time that the XX/XX/XXXX {$50.00} charge was for a speed zone camera violation on XX/XX/XXXX. I take full responsibility for this charge and do not dispute it. I do however continue to dispute the charges for {$130.00} and {$58.00}. On XX/XX/XXXX, I sent Chase an email with extensive documentation proving that I could not have made the toll charges claimed by XXXX  as I was either at work or out of state at the time the highway toll charges were made. In a letter dated XX/XX/XXXX, I was told that the charges were valid and that I was still responsible for them despite sending them documentation that it would have been impossible for me to be passing through the toll plazas at the times indicated on the toll statement. As attachments, I provide a copy of my email to Chase giving a line by line explanation ( " email to Chase '' ) for why each of the toll charges ( " XXXX  toll invoices '' ) could not have been made by me. I have attached the in and out log for one of the parking garages I use at work showing that I was parked in a garage during some of the charges ( " XXXX parking log '' ). I have also attached : my work schedule for a day that I parked in a different free parking lot where I do not have to swipe a card to go in and out ( " XXXX office schedule '' ), a receipt from yet a different garage where I was parked all day when one of the toll charges occurred ( " XXXX parking receipt '' ), and two credit card app screen shots showing that I was in CT or MA on days that NY-NJ toll charges occurred ( " XXXX XXXXXXXX XXXX XXXX '' and " MA gas receipt '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$990.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX Balance : {$0.00}, CXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX are reporting on my personal credit file with ( XXXXExperian/XXXX ) credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by 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 non-monetary relief
Consumer complaint received 2022-03-07 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: NJ

Complaint narrative:
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$990.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00}, XXXX XXXX XX/XX/2020 are reporting on my personal credit file with ( XXXX/XXXX/TransUnion ) credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by 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 non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Bank account # 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 account can not furnish a account without my written instruction

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 2022-03-07 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Bank account # 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 account can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX Repossession XXXX XXXXXXXX - Charge-off XXXX XXXXXXXX Charge-off XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX****- Charge-off XXXX XXXX  XXXX Charge-off XXXX XXXX XXXX Charge-off

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 2022-03-07 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: TX

Complaint narrative:
Collection is not from original creditor. I do not owe Americollect- account # ( XXXX ) in an amount of {$250.00}. I never heard of Americollect. Americollect does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a follow-up complaint regarding Capital One response letter on XX/XX/XXXX to the CFPB Complaint ID : XXXX. I am still requesting Capital One to actually investigate the missing fund of a {$2000.00} check I deposited on XX/XX/XXXX via Capital One mobile app.

First, I tried to call the number provided in the letter three times ( as I was told to call it if I wanted to discuss in details ) between XX/XX/XXXX and XX/XX/XXXX. Nobody picked up and I left voice messages as instructed every single time. There is still no calls back ever since. 

Second, in the response letter, Capital One asked for the source information of the Paid Cash Letter from the paying bank. Please find the Paid Cash Letter from XXXX attached. Please note, I also attached the same letter to my original CFPB Complaint ID : XXXX, so I dont understand why I was asked to provide again. If it is not forwarded, please provide an email address or mailing address in your response letter this time, so I can mail it directly. 

Third, Capital One responded that my check deposited on XX/XX/XXXX was rejected due to a missing signature. Attached please find the check e-image on the paying bank app on XX/XX/XXXX where signatures could be seen on both front and back with the XXXX bank stamp showing Capital One as the receiver. Again, I also did provide this image in my original CFPB Complaint ID : XXXX, so not sure why it was not being looked at.

Company response to consumer: Closed with explanation