vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I have contacted Current [ Current.com - Banking services provided by XXXX XXXX XXXX, Member FDIC ] about an issue with a transaction that I had originally authorized but due to the business committing fraud, false advertising, breach of contract, and not providing the service as presented I wanted to revoke/de-authorize and reverse it. Current is not being helpful with their canned replies to my report and their somewhat human responses seem like copy/paste replies with no value. They have also stopped responding to my messages. Here is my message that I had sent to Current ( Banking services provided by XXXX XXXX XXXX, Member FDIC ) : " Hello, XXXXXXXX  is a Money Services Business ( XXXX # XXXX ) whom I had previously authorized an ACH Transaction in $ USD in the total of {$2900.00} ( Shown as XXXX XXXX # XXXX ) from my Current account to my XXXX account deposited there on XXXX and was held as $ USD and gained a % on it as interest. I would like to revoke/de-authorize and reverse it ( Code : XXXX ) for false advertising, breach of contract, and services not provided as presented. They stated, " Access to Funds Easily : There are no lock-up periods. Withdraw your funds any time and keep the interest you earned. '' and also stated in the advertisement I found them through on social media that also stated, " Withdraw Funds anytime. '' On XXXX ( a few hours after initiating the deposit ) they locked the option to withdraw via ACH $ USD for ALL their users. This is both false advertising and breach of contract on their part as I can not withdraw any of my money and do not have access to my funds which goes against what they stated in the ad and on their website. I also did not receive the service as presented. I have attached the proof. Also, XXXX announced on XX/XX/XXXX that they will be shutting down and discontinuing their service at the end of this month ( XXXX, XXXX ). So my funds are stuck in my account there and I can not get it out by withdrawing via ACH. They are not responding to support emails from me and other users that are trying to get in contact with them. Please help me get this resolved. 

Thanks, XXXX XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  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 agency can not furnish a account without my written instructions

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 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX, their calling from XXXX, saying for Wells Fargo, saying I owe them {$6000.00} from {$2000.00} because of interest. Haven't dealt w/wells fargo in at least 10 years, my wife does. Have no idea who these people are, received nothing in the mail. 

Thanks XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX, AZ 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 explanation
Consumer complaint received 2022-06-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX and XXXX BANK 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.

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 2022-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
CashApp has a mobile app as well as a physical card. My entire ( physical ) wallet was stolen on XX/XX/22, including my XXXX-branded CashApp card. A number of fraudulent purchases totaling more than {$600.00} were made on XX/XX/22 at XXXX using the CashApp card. I attempted to dispute via the app, which is standard protocol for CashApp. My request was denied based on the fact that the " card was present '' for the transaction. I called CashApp on the phone and explained, yes, the card was present because the physical card had been stolen. They resubmitted the dispute on my behalf and today it was rejected again for the exact same reason. I called them and they said there is nothing else they can do in this matter except to send me information regarding how to avoid theft in the future which is not particularly helpful in this situation. 

It is very difficult to get in contact with anyone at CashApp who will listen to the specific circumstances of your dispute and follow up accordingly. A police report has been filed in this matter, and similar fraudulent transactions on other cards that were also stolen have been resolved with the respective card issuers. CashApp is the only holdout in this regard ( and of course it's the one where my losses were the largest! ) Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Technology, Inc.
State: CA

Complaint narrative:
Unauthorized inquiry done by Credit Tech on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
" I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed inaccurate and fraudulent address on my credit report with XXXX, Transunion, and XXXX credit bureaus. I have had identity theft and fraud in the past and on XX/XX/2022 I disputed these fraudulent addresses and phone numbers and to this day they are still there. I have mailed in a copy of my drivers license which has my correct and current address along with a utility bill. I have asked that all previous addresses listed be removed as they are inaccurate, fraudulent, and or undeliverable. As of today I have had no response from any credit bureau and the information is still there.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed inaccurate and fraudulent address on my credit report with XXXX, XXXX, and Experian credit bureaus. I have had identity theft and fraud in the past and on XX/XX/2022 I disputed these fraudulent addresses and phone numbers and to this day they are still there. I have mailed in a copy of my drivers license which has my correct and current address along with a utility bill. I have asked that all previous addresses listed be removed as they are inaccurate, fraudulent, and or undeliverable. As of today I have had no response from any credit bureau and the information is still there.

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 2022-06-13 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: MI

Complaint narrative:
I got emails stating I had a New Account that has been opened and also, got another email stating an account in my name shows a different address. So I went and did a credit report and it shows a new address that is not mine and a new account opened which is not mine.

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 2022-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
Bought a Vanilla visa card. 3 purchases made on card already. Before ot could be used. Vanilla customer service is unusable. Keeps sending the customer to different number that don't work. Also, card numbers when called are not identified as Vanilla either. Unable to get any help at all. Funds are stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: National Credit Adjusters, LLC
State: NC

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/22 XXXX online transfers totaling {$5900.00} was made from my XXXX bank of America XXXX  card without my authorization, I notified Bank of America right away they supposedly opened an investigation that concluded that no posting error had occurred in my account therefore they denied my claim. Bank of America refused to provide me with any information about the person or account that the money was transferred to, other than the last four digits of the account number, which does 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 2022-06-13 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:
There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collections companies do not not have a contact with my signature.

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 2022-06-13 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: TX

Complaint narrative:
There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collections companies do not not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: U.S. BANCORP
State: IL

Complaint narrative:
My wife XXXX XXXX and I had separate traditional IRA/CD accounts with State Farm Bank XXXX US Bank recently took over State Farm Bank 's XXXX accounts effective XX/XX/2020. With State Farm Bank, there were no annual fees. But we both just received notice from US Bank that we each owed a {$30.00} annual fee for our account because US Bank charges that annual fee for all accounts containing less than {$25000.00}. XXXX called US Bank twice today and twice was told that the bank could not offer a waiver of the {$30.00} annual fee because of its policy on accounts with less than {$25000.00}. The bank representative said the annual fee was waived last year, during the first year of the account transfer, but now US Bank is sending out notices of the fee. XXXX and I are not aware that we ever received any prior notice of an annual fee. We have XXXX accounts with a number of other banks, and we have never before been charged an annual fee even for similarly small accounts.

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 2022-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
My husband and I have been denied the XXXX  consolidation because we have a spousal consolidation loan. We did what the loan advisers told us XXXX  years ago. Had we not, my husbands loans would qualify for the XXXX  consolidation loan and would then qualify for the XXXX program. We just followed the rules and are now being penalized. Currently Spousal Consolidation loans can not be re-consolidated into a XXXX consolidation loan, and therefore these public servants, after a lifetime of service, can not avail of the XXXX program. This condition raises financial risk for married and divorced borrowers in low paying public service. We seek fairness and equal treatment. 

The Joint Consolidation Loan Separation Act should be moved into law this year as it is the antidote to the blanket risk posed by any type of spousal consolidation loan. It installs integrity in the short term XXXX  waiver by allowing public servants who have sacrificed to be treated equitably and be given the same opportunity of credit towards forgiveness as their colleagues. We ask for support for the Joint Consolidation Loan Separation Act and the ability to make these loans into federal direct loans by the XX/XX/2022 deadline as the precursor to allow lifelong public servants access to the newly expanded relief measures in the XXXX XXXX XXXX XXXX ( XXXX  ) program. Many of us have performed public service for XXXX years, yet we are still facing the crushing debt of student loans/interest and a foreboding fear of never getting out from under them as we move towards the end of our working careers and lives. 

Please consider those of us that qualify and are being denied because we consolidated as we were advised to do. We desperately hope to separate our loans, so those of us that qualify for forgiveness can be forgiven, rather than punished just because we were guided down the wrong path.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized inquiry done by XXXX XXXX on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX, XXXX XXXX I have reviewed my Experian credit report and noticed a few hard inquires that I did not ask for. This is a written request for the following hard inquires to be removed. I have called Experian and the creditors and was given the run around about this situation. If not resolved in 30 days I will have to contact the Consumer Financial Protection Bureau once again. If you have any questions or concerns, feel free to contact me at XXXX or email at XXXX Thank you, XXXX XXXX XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of 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 explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ClearOne Advantage, LLC
State: NY

Complaint narrative:
In 2020 I consolidated my debt with clear one advantage. After paying XXXX monthly I realized that they received more money than my creditors. I called to cancel and shortly after that was hit with a law suit. The lawsuit came from XXXX on behalf of XXXX XXXX. I only received the letter in my mail box and was never served and never signed for anything. This company clear one advantage too advantage of me. Im a XXXX who got overwhelmed with debt and they preyed on me. I looked up to s of information and found out according to 15 usc 16921b that it is illegal. Second, they have put the items that should have been paid back on my consumer credit file. They are taking me to court over this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I purchased a used tractor online on XXXX for {$15000.00} via wire transfer. The company I bought the tractor from was XXXX XXXX XXXX in Alabama. They had over XXXX pictures and a video listed for this ( and other tractors ). After negotiating and communicating about the tractor I agreed to purchase the tractor ( via signed contract ) and sent payment via wire transfer from my savings account. When the tractor was never delivered and I was unable to get in contact with the seller I filed a fraud claim with Wells Fargo on XX/XX/XXXX, which was the day the tractor was supposed to be delivered. On XX/XX/XXXX without any attempt to figure out what actually happened, I received a letter in the mail saying they would not reimburse me and that my claim was closed. Wells Fargo never asked any follow up information and to the best of my knowledge their only attempt at getting the money back was by asking for the wire to be recalled. When I called and asked why it was unable to be reimbursed they simply said because I authorized the transaction. I was deceived by a seller who scammed me out of {$15000.00}.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I reached out to the credit bureaus about a problem on XX/XX/XXXX and they have yet to respond. my biggest issue is that the bankruptcy there roporting doesn't belong to me I even reached out to the bankruptcy court and they sent me a letter saying that they do not report so how this information is on my credit I have no idea but i would like it to be removed right away

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