vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2023 I received a spoofed phone call from a scammer using the Wells Fargo phone number. He proceeded to see if I authorized a {$2000.00} XXXX transaction someone was trying to complete using my checking account. I said no, and stayed on the phone to make sure it was resolved. In the meantime he asked if I had received any notifications via text or email letting me know of this unauthorized transaction, which I said no to. He worked to find out why I wasnt receiving the notifications. Once he got a notification to come through he was then able to hack into my account. He then locked me out of my account, hung up on me and then proceeded to make {$7500.00} worth of transactions to his own XXXX account from my checking account. At this time, I realized what had just happened and immediately called back to Wells Fargo and spoke with a real agent. He informed me frantically that I just been scammed! He locked my account, changed my account numbers, canceled my checking account debit cards and I was sent new ones, and we made the necessary fraud claims. I was told they had the information they needed and the claim would go into the hands of an investigator who would have 1-10 business days to complete the investigation. I was also told he would reach out to me for further information. I called Wells Fargo everyday for 10 days. I asked for managers and was never able to speak to one. I never received one phone call from an investigator and found out when I called on Friday, XX/XX/XXXX that my claim had been denied. The Wells Fargo Fraud department agent would not give me any information as to why it was denied. I completed a complaint to Wells Fargo and did a request to have all the investigators documents he used on my case to be sent to me so I could review them. I was told that could take up to 30 business days. Wells Fargo has not done anything to communicate or protect my money in this situation. I have filed a police report and all of the necessary steps reporting the fraud. I need to know how to move forward to get my money back. I am not going to take no as an answer for {$7500.00} being stolen from account and Wells Fargo doing nothing to help me get it back!

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 2023-07-11 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: NJ

Complaint narrative:
In XXXX, my discovery revealed XXXX, XXXX XXXX, Equifax, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. Identity thieves exploited a security weakness in the website of Experian. Experian requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of 2022, Experians website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XXXX, my discovery revealed Experian, XXXX XXXX, XXXX, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. Identity thieves exploited a security weakness in the website of Experian. Experian requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of 2022, Experians website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.

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 2023-07-11 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: GA

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 U.S. CODE 1681, 15 U.S. CODE 1681B, 15 U.S. CODE 1681C-2, 15 U.S. CODE 1681 S-2. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S. Code 1681b A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) The person who obtains such report from the agency certifies to the agency that ( i ) The person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) The consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1681 C-2 Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

15 U.S. Code 1681 S-2 ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I was robbed and my belongings were stolen from me. I filed a ftc and police Report I dont have the police report on me at this time. I can provide the report number if needed. FTC Report reference number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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:
Bank of America. 
I closed my checking and savings account I had with the Bank in person at a bank branch. I was told the ONLY way to cancel the credit card account was online or on the phone. They have no online method to cancel the card, so I have attempted to call them. They do not answer the phone for over half an hour. 

I later decided to keep the credit card for a little longer. The system they use to pay the credit card off is 'bill pay. ' I have tried to set up an external account to via this bill pay system. However, it will not allow me to individually set up an external account, and states I am ineligible for bill pay. 

I was told then I need to contact another account to set up explusively to make payments from an external account. So I did this. 

In my opinion, this is an egregious use of delay tactics and substantially burdens the consumer. The entire 'bill pay ' fiasco very clearly shows that the Bank wants you to set up a checking account to make it easier for the consumer to pay their credit card bills -- obviously beneficial for the Bank to have a checking account to force unfair fees upon the consumer. Not to mention, the only way to achieve my method of paying a credit card bill is through their slow and inefficient phone service ; my calls in total took over 2 hours to solve the propblem.

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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: LA

Complaint narrative:
My bank did not refund/credit my account after someone had stolen my money. I filed a police report and emailed it to them. They didn't give a written response as to why they didnt refund the money. The date of the transaction was XX/XX/2023 at XXXX for the amount of {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My divorce was just recently final and I was in a very toxic, XXXX  marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
Since XXXX  I've been trying to resole this account with the company, Bridgecrest is still reporting to the credit bureau as derogatory/delinquent.I have made numerous attempts to resolve this issue, and have been given the back and forth with the company saying they will get back to me .The account is in a bad state and I need this to be rectified as soon a possible so that I can increase my credit score and have this account taken out the system and the account status updated.

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 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
My divorce was just recently final and I was in a XXXX XXXX XXXX marriage. I had zero control of bills, emails or anything of importance. After I XXXX  and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
In XX/XX/XXXX I deposited {$1900.00} into my landlords Chime account which was XXXX rent which included late fees for XXXX as well as XXXX. I bank with Chime and have for more than 2 years without any problems. I have paid my rent this way previously without any issues. On this occasion my landlord was unable to retrieve the funds and after several attempts Chime closed his account. Both my landlord and myself have made several calls on speaker phone to resolve the issue as well as via email, several emails and they refuse to refund my money. There was no nefarious activity on the the part of myself and as far as I know of none in the part of my landlord. I have supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My wife and I were part of XXXX breach of 2022 and Capital One knows this and refuses to take off charges that are fraud my wife was in and out of hospital during this time and she handles all the bills so that's what took so long before it was noticed this was explained to her Capital One as well as Mine we sent medical records for proof and they still won't take care of this my wife thinks we are being discriminated against because we are poor this is horrible the stress it has put on both of us identity theft is horrible and will follow us the rest of our lives it is not my fault I refuse to pay for fraudulent charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
See attached letter to Genesis, dated XX/XX/2023. A letter was received from Genesis on XX/XX/2023. However, the Genesis letter was dated XX/XX/2023 ( two weeks before my letter to Genesis ) and it referenced actions and changes, but failed to specify what those actions and changes were. Hence, the Genesis letter was unresponsive, unsatisfactory, and not in accordance with the telephonic conditions that Genesis agreed to on XX/XX/2023 and XX/XX/2023 respectively. I have not received any communications from Genesis in response to my letter dated XX/XX/2023. I provided a copy of my letter ( dated XX/XX/2023 ) to the XXXX XXXX XXXX XXXX XXXXXXXX of the Attorney General. The XXXX XXXX XXXX XXXX XXXXXXXX of the Attorney General sent me a letter on XX/XX/2023, which stated it would forward a copy of my complaint to Genesis and request a statement of Genesis ' " position and possible adjustment. '' I haven't received any subsequent correspondence from any party. When updating my FTC Identity Theft Report on XX/XX/2023, it prompted me to file a complaint with the CFPB ( since my letter to Genesis did not solve the problem ). Hence, this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: PA

Complaint narrative:
Account Number : XXXX I refuse to pay this debt or any other debt that you have in or associated with my name. 
Once again, I am informing you to cease all contact with me or anyone else about this claimed debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-11 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
I am writing to complain about how Axos Bank, doing business as XXXX XXXX, acted in bad faith by not alerting me to important changes regarding the rate of return of my Savings account. 

In XXXX of 2022, I opened a Savings account at XXXX XXXX. There was only XXXX savings account offered, and it was called XXXX XXXX. My online statement was simply labeled Savings, not XXXX XXXX. Even as I write this letter, nowhere on my online statement does XXXX XXXX appear just Savings. 

As the XXXX  started to raise interest rates, XXXX  website continued to herald their increasing Savings account rate which, I assumed, my account was earning. But in an obvious slight-of-hand, at some point as rates were increasing, they changed the name of their XXXX account from XXXX XXXX to XXXX XXXX, which was the only savings account paying the advertised interest. I was never alerted to this and neither the name XXXX XXXX or XXXX XXXX appears on my statement just the word XXXX. 

I had no way to know that even though the bank did not even offer XXXX XXXX accounts to new savings clients, they simply kept my account as a low-interest XXXX XXXX account, earning only a little over 2 % ( the rate when the account was opened XXXX months ago ) instead of the ever-increasing rates of return they offered on their newly named XXXX XXXX accounts over the last XXXX months. As rates have almost doubled in that timeframe and with almost {$250000.00} consistently in that XXXX XXXX account from the start -- the lost amount of interest I should have been paid is significant. 

Changing the name of the savings account which paid the ever-higher interest rates without alerting me or making it obvious on their website is deception of the worst kind. It was both deceitful and unethical. The least they could have and should have done is to alert me to this change, and give me the opportunity to switch to the higher yielding XXXX XXXX. 

When I recently discovered all of this, I demanded they retroactively pay me the interest I was entitled to and they refused. I believe Axos bank, XXXX XXXX XXXX, should be held accountable for their actions and ordered to pay me the interest my account rightfully should have earned.

Company response to consumer: Closed with explanation