vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XXXX, I had over {$5000.00} in fraudulent charges taken from my bank account. I had been to a medical appointment earlier that day near XXXX, WA and lost my debit card. Almost all of those charges happened via XXXX XXXX or XXXX XXXX. Prior to that, my information was involved in a data leak and I had just purchased a new device through XXXX. Once I recognized the charges were on my debit card, I submitted a claim to USAA about this as soon as possible. The only alert I received from USAA is if I spent money at my local library ( which I did a day prior ). Now, USAA is saying that these are in-fraudulent claims and I will be forced to pay back all provisional credit when I never made the Apple Cash payments to people I do not know. 

Whats most frustrating about this situation is that I have referred business to USAA for over 8 years and been a loyal customer. I did the right thing in reporting fraudulent behavior. If this is not made right, then they will lose my business. Why would someone spend nearly their entire bank account via XXXX XXXX to someone they do not know? Its absurd and frustrating. Frankly, Im surprised that USAA doesnt have humans to speak to in the fraud department because I havent spoken to one person about this issue who works in fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/2023 Wells Fargo was contacted to add an Authorized User to my account with the expectation of the Users information being submitted to XXXX XXXX The information has never been submitted. I am asking that both of these companies be investigated. 
Thank You

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i never had credit and i want to set up for a credit card but it shows i have or had one and it's not showing any application for a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: CL Holdings LLC
State: WI

Complaint narrative:
My rights were violated by both XXXX and Jefferson Capital Systems LLC. I have reached out via mail and email multiple times explaining the violations under The Privacy Act of 1974. I never gave any consent to share my information with a third party. This is also a violation under 15 usc 1681 ( b ). I have also received an email from Jefferson Capital Systems LLC which states that they will remove the false report and close the account, however they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX I recieved a wire transfer from my lawyer via XXXX XXXX  to my savings account with NAVY FEDERAL which was a settlement from an auto accident. At or around XXXX XXXX the remaining funds from my settlement was frozen, I was able to see the funds in my account bu unable to access said funds. I went to the NAVY FEDERAL BRANCH XXXX XXXX XXXX, XXXX XXXX, TX XXXX and spoke to a banking rep, I was told that the funds were " ON HOLD '' for possible fraud, and the investigation would take up to XXXX  days to be completed, I was told once the investigation was complete then said funds would be released. XX/XX/XXXX the money was eradicated from my account completly, meaning I could no longer see the frozen funds on my account, I spoke the online banking rep who informed me that those funds were sent back to XXXX XXXX  and XXXX would have to re-distribute funds back to me via the original sender. 
I asked for a tracking number of the funds that was sent back, I recieved nothing. I contact my lawyer who arranged a meeting with XXXX XXXX  to have the funds re-distrubeted. XXXX is claiming that they never recieved the funds from NAVY FEDERAL. The money was never wired to Chase but left my account via an " adjustment '' I have made NUMEROUS CALLS to NAVY FEDERAL about this issue, I keep getting different stories, empty promises of call backs, The last information I have been supplied with as of XXXX that it is now under investigation ... ... ... .AGAIN I am a XXXX VETERAN and every XXXX that I have counts. Please Assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
FCRA XXXX says they should remove incorrect accounts from reports. Could you please look at the documents? The accounts on my report are wrong, and it's upsetting and worrying 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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I made an ATM deposit on XX/XX/2024 at the Bank of America branch - XXXX XXXX XXXX Massachusetts for {$1000.00}. Counted the cash twice prior to entering the back to ensure the amount was correct. I put the cash in the machine and the screen said only {$500.00} was deposited and asked if this was incorrect type in the correct amount which I did for {$1000.00}. Then it asked if I wanted to paper receipt which I got showing {$800.00}. I was shorted {$200.00}. I immediately called bank from the bank to file a claim on XX/XX/2024. Noting has been resolved 5 business days later.

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 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
Greetings. 

I was traveling in the XXXX XXXX. When I was then set up and robbed at XXXX. They then XXXX me and took me to a remote location. Where they then forced me to log into my banking applications, and transfer them money to their account in the United States. They then transferred {$2000.00} to XXXX XXXX around Sat, XX/XX/XXXX XXXX XXXX. I have been trying to work with Chime to get this issue resolved but all my disputes and rebuttals have been denied. I have submitted the police reports multiple times. Please help me resolve this issue and return my funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$4500.00} XX/XX/year> XXXX XXXX XXXX - XX/XX/year> 15 U.S.C, 1681section 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX, the co-owner of one of my accounts and I tried to make transactions on behalf of our children using our shared checking acct ( ending in XXXX ). The transactions declined. When I went in to move money from the associated overdraft protection account ( ending in XXXX ), the option and account disappeared from my account dashboard. However ; XXXX was able to see it on his end and had to move the money, manually, into the shared account to cover the transactions. 
I called US Bank on XX/XX/XXXX to find out what happened. They tried to tell me that only XXXX was associated with that OD account. Asked if I was associated with the account it fed to, they confirmed I was. I asked them why I could have this account and no longer have access the associated OD account. When they were looking into, after an hour on the phone, the line went over to Credit Card Services. They tried to transfer me back and I was hung up on. 
I need to know why, in the last week, I was suddenly dropped for an OD account associated with a checking account I co-own. Also, we both need to understand why OD is not rolling over automatically to cover transactions. As this was not happening, we were charged OD fees. XXXX and I recently paid off the balance of our OD account and have been having issues with this account since then. 
I do not see a way to get assistance directly from US Bank as I have been trying with no success. Furthermore, I do not see a Compliant and Grievance number I can call to assist.

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 2024-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: NV

Complaint narrative:
Pro Collect Collections ACCOUNT NUMBER XXXX HIGHEST BALANCE {$170.00} CREDITOR INFO PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX BALANCE {$170.00} LAST REPORTED XX/XX/year> ORIGINAL CREDITOR XXXX XXXX XXXX XXXXXXXX

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor ( USAA ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a a credit account under an open end consumer credit plan as late for purpose.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This complaint is an addendum to complaint # XXXX with additional new information. 

Since filing the previous complaint I received a postcard in the mail from Equifax indicating the death notice was finally placed on my wife 's account as requested, however, since then, I have also received no less than 4 canned form letters from this pathetic company requesting in order to add the death notice I would yet again have to submit the same information I have already submitted to them. As one can see, dealing with this disgusting company is like dealing with a tree stump. As they continue to outsource their customer service to XXXX foreign untrained scriptreaders this is what consumers must put up with, IS THE DEATH NOTICE ADDED TO MY WIFE 'S REPORT OR NOT??? HAS THE OTHER TWO CREDIT REPORTING AGENCIES BEEN NOTIFIED OR NOT??? What is it going to take to get a straight, accurate reasonable response from these clowns??? And when is the CFPB going to take action against them so as to prevent other consumers from having to deal with such gross irresponsible behavior from a credit reporting agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Per the FCRA, as a federally protective consumer, I am now opting out any and of all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal per 15 USC 6802.

THE PRIVACY ACT OF 1974 ( 15 USC 1611 ) Criminal liability for willful and knowing violation, whoever gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year or both.

( 15 USC 1681 ) Accuracy and Fairness of Credit reporting ; IT IS ILLEGAL TO REPORT TRANSACTION HISTORY ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( 15 USC 6802 ) Obligation with respect to disclosures of personal information.

( 15 USC 6805 ) The enforcement of the regulation prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission, with respect to financial institutions and other person subject to their jurisdiction under applicable law.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Per the FCRA, as a federally protective consumer, I am now opting out any and of all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal per 15 USC 6802.

THE PRIVACY ACT OF 1974 ( 15 USC 1611 ) Criminal liability for willful and knowing violation, whoever gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year or both.

( 15 USC 1681 ) Accuracy and Fairness of Credit reporting ; IT IS ILLEGAL TO REPORT TRANSACTION HISTORY ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( 15 USC 6802 ) Obligation with respect to disclosures of personal information.

( 15 USC 6805 ) The enforcement of the regulation prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission, with respect to financial institutions and other person subject to their jurisdiction under applicable law.

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 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
We sent a bank wire to Citibank for {$19000.00} with a wrong account number for the customer who was supposed to receive the wire. 

Citibank sent the money back to XXXX XXXX but with no account information on where to deposit the funds so the money was returned to Citibank. 

Citibank still has the funds and has not returned them to XXXX XXXX. 

All documentation from XXXX XXXX is included in this complaint. 

This is the second complaint to try to get the funds sent back from Citibank to my XXXX XXXX account. 

This is the account where the funds of {$19000.00} need to be returned to : XXXX XXXX XXXX, XXXX Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va. XXXX Account # XXXX Routing # XXXX XXXX XXXX has assembled the timeline, requests for returning the funds sent to Citibank and a confirmation funds have not been sent back. 

If anything is needed on my end in addition please email me at XXXX. 

Thank you, 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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
HIGHEST BALANCE {$170.00} CREDITOR INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX BALANCE {$170.00} LAST REPORTED XX/XX/2024 ORIGINAL CREDITOR XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
FCRA 605B says they should remove incorrect accounts from reports. Could you please look at the documents? The accounts on my report are wrong, and it's upsetting and worrying 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