vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My husband transferred XXXX XXXX from his XXXX account in XXXX using the correct account number, name and address of an XXXX Checking account on XX/XX/XXXX. 
The funds didn't arrive for some XX/XX/10 days. 

After contacting XXXX they informed me that their checking account can not receive international transfers and the SWIFT code used in his transfer was for receiving international transfers to their brokerage account. E-trade use Well 's Fargo as an intermediary for international transfers - so the XXXX used for the transfer was Wells Fargo 's. 

XXXX informed me that I should ask the sending bank in XXXX XXXX XXXX XXXX to send through the XXXX of the SWIFT transfer for them to track the transfer, which was then sent to them on XX/XX/XXXX. After following up on XX/XX/XXXX, XXXX said there was no information on the XXXX that identifies XXXX as the intended beneficiary bank - my husband hadn't included a routing number. 

XXXX then told me to ask the sending bank to recall the transfer as it's probably stuck at the intermediary bank XXXX Wells Fargo XXXX. The sending bank ( XXXX XXXX tried to recall the funds but was unsuccessful - they said we need the beneficiary 's approval. But as the intended beneficiary is me, and I didn't receive the funds in my E-trade account, there is no one to seek approval from. 

The sending bank have said they have done all they can & E-trade have also said they can't talk to Well 's Fargo because there is no identifying code on the XXXX for XXXX. 

So the funds appear to be credited to an account that is not the intended recipient and the intermediary bank is not willing to return back the funds to my husband. 

Hoping that with your help there will be some resolution to this. 
I've included the XXXX with the account number removed showing the XXXX XXXX of Well 's Fargo.

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 2021-04-02 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: GA

Complaint narrative:
I am writing to dispute fraudulent charge on my account. I am a victim of identity theft, and did not make or authorize this charge. I am requesting that the charge be removed, and any finance and other charges related to the fraudulent account be credited as well, and that I receive an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV FINXACT CORE
State: MN

Complaint narrative:
Money Network changed their fee terms without informing me. Prior to this ( and I have all the statements and fee structure form ), an account in good standing was charged no fees unless no activity occurred in six months. This changed without any notice in XX/XX/XXXX. They now charge a fee of {$5.00} which I have now paid 6 of them ( {$30.00} ) unwittingly. 

I have sent the complaint to Money Network and I reached Summer on XX/XX/XXXX at XXXX XXXX. They said that the fees could not be refunded as it was my fault that I did not pay attention to the notice. I certainly did not get a revised notice and still have the old one on my desk. I am sending a picture of the relevant page and that as long as I had activity within six months, no fee would be charged. I also send my statements proving that I was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: CA

Complaint narrative:
I have found 4 accounts on my credit report that do not belong to me they are a bunch of different things that I have not signed or applied for. I have sent out a Identity Theft Report and also contacted the bureaus multiple times with letters after letter since XXXX of 2020 4 letters to be exact and they have not done anything about this. Please help me out XXXX XXXXXXXX XXXX  XXXX - Act # XXXXX Amt {$4200.00} XXXX XXXX XXXX XXXXXXXX - XXXX # XXXX XXXX {$4400.00} XXXX XXXX XXXX - Act # XXXX Amt {$180.00} XXXX XXXX - Acct # XXXX Am {$150.00}

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 2021-04-02 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: CA

Complaint narrative:
I have found 4 accounts on my credit report that do not belong to me they are a bunch of different things that I have not signed or applied for. I have sent out a Identity Theft Report and also contacted the bureaus multiple times with letters after letter since XXXX of 2020 4 letters to be exact and they have not done anything about this. Please help me out XXXX XXXX XXXX XXXXXXXX - XXXX # XXXX Amt {$4200.00} XXXX XXXX XXXX XXXXXXXX - Act # XXXX XXXX {$4400.00} XXXX XXXX XXXX - Act # XXXX Amt {$180.00} XXXX XXXXXXXX - Acct # XXXX Am {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have made several attempts to have this debt removed and the agency changed the date of the debt to a more recent date. I have sent them letters requesting proof and validation of the debt and have not received proof, or dates as to when this debt took place. I have reached out to both the collection agency and the credit bureaus and no one seems to have proof of this $ XXXX+ debt. I have made several attempts and at one point, someone at the collection agency said they would remove it by XXXX as they didn't have documentation due to the age of the debt and it has not been removed, it only decreased my credit when they changed the date and then reported late payments when NO PAYMENTS have been made. Please help as I tried getting a home loan and this has affected me greatly. Letters and request for proof were all sent on XX/XX/2020.

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 2021-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
SCAMS YOU VIRTUALLY VIA INTERNET UTILIZING PROMOTIONS MANIPULATING DIRECT DEPOSITS AND HARD EARNED MONEY FROM YOUR PIGGY BANK INTO THEIRS YET HAVING THE MASTER SLAVE COMPLEX FROM THE SIGN OF AGREMENT XX/XX/2021 I SAW A {$100.00} ONLINE INCENTIVE TO OPEN A NEW ACCOUNT WITH BOA. 2 QUALIFYING DIRECT DEPOSITS OF {$250.00} OR MORE WITHIN 90 DAYS. I HAVE HAD DIRECT DEPOSITS OVER THAT AMOUNT, IVE CALLED AND WAS TOLD I WOULD RECEIVE THE {$100.00} IN XXXX OR XXXX. I CALLED LAST NIGHT AND THEY ARE SAYING THAT I WILL NOT RECEIVE THE {$100.00} SIGN ON BONUS BECAUSE I HAVE HAD A PREVOUS BANK ACCOUNT. NO THEY SCAMMED ME OUT OF MY MONEY AND USED THIS ONLINE TRICK TO SCAM ME AND NO TELLING HOW MANY OTHERS LIIKE ME, I COULD HAVE STARTED AN ACCOUNT WITH A MORE CREDIBLE BANK IF I KNEW THEY WAS GOIING TO WAIT 3 MONTHS AFTER I SIGNED AND DONE THE 90 DAYS REQUIRED FOR ME TO GET MY INCENTIVE AND TELL ME IM BOA NOT GOING TO HOLD THEIR SIDE OF THE DEAL, THEY SCAMMED ME I CALL THE BANK AND ALL I HEAR ON HOLD IS PERTAINING OT SCAMMING BUT THEY ARE THE BIGGEST SCAMMERS ... AND IM GOING MAKE SURE ALL OF MY SOCIAL MEDIA KNOW HOW WRONG THEY ARE FOR NOT KEEPING IT XXXX, LITERALLY ... I CANT BEAT THEM BUT I WILL CLOSE NOTIFY EVERYONE I CAN OF HOW THEY USE FINE PRINT TO GO AGAINST PEOPLE WHO GIVE THEM THEIR HARD EARNED MONEY TO BE DENIED FOR LOANS WHEN YOU NEED HELP BUT WE GIVE THEM OUR LIFE SAVINGS AND THEY CANT RETURN THE FAVOR OR EVEN HOLD THIER END OF THE BARGAIN FOR A PROMOTION THEY PROMOTE. ITS LIKE YOU GIVE BOA YOUR MONEY BUT IF ITS AN ISSUE THEY BECOME SIMILIAR TO THE OPPOSING INSURANCE COMPANY WHEN THIS IS SUPPOSED TO BE A POWER THAT WILL BACK YOU WHEN, YOU NEED THIER HELP BUT THEY ARE NOT A LOYAL BANK. AND THE MORE POWERFUL THEY BECOME THE HARDER IT WILL BECOME FOR THE ONES THAT HELPED THEM BY DIRECT DEPOSITS INVESTING THE PEOPLES MONEY NOT GIVING THEY BACK A SINLGLE CENT INSTEAD USING WAYS TO TRAP THEM BY OVERDRAFT AND DESTROYING PEOPLE THAT HAVE MY SKIN TONE ... BOA AUTOMATED SERVICE SAY THEY PREVENT SCAMS NO THEY HAVE MASTERED IT ... ..A DECEPTIVE ORGANIZATION WHO DONT DESERVE TO GET MILLIONS OF PEOPLES MONEY AND MAKE IT 10 TIMES HARDER TO BORROW A SINGLE DIME FROM THEM YET GREET YOU WITH OPEN ARMS TO ACCEPT YOUR MONEY ... YOU, I AND MILLION OF PEOPLE ARE SCAMMED AND PROGRAMMED JUST BY WATCHING A COMMERCIAL OF BOA, THEY GOING INTO THEIR BANK AND OPENING AND ACCOUNT. LET ANYTHING GO WRONG WHERE YOU BENEFIT I GUARANTEE THEY WILL USE FINE PRINT THEN BECOME THE OPPOSING INSURANCE COMPANY WHEN JUST LAST FRIDAY THEY ACCEPTED YOUR WHOLE CHECK..DONT ALLOW BOA TO BECOME RICHER UNLESS YOU THINK BOA WOULD DO THE SAME FOR 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 monetary relief
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have a checking account with USbank. When I opened the account, the banker told me that there's no monthly fee if I have any usbank credit card. The advertisement says the same thing. However they still charge me a lot of monthly fee and they said my business credit card does not qualify.

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 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Total transactions amounts : $ XXXX Date : XX/XX/XXXX Note : I do not have overdraft service and didn't sign up for overdraft service, but Wells Fargo is always in the habit of double posting past transactions and charging my account with fake overdraft fees for no reason. This is the fifth time now Wells Fargo has double posted past transactions in my account and charged my account with fake overdraft fees and made me pay overdraft fees for something I had already paid for with sufficient funds in my checking. 

Transactions : Transaction : {$35.00} Overdraft fee on XX/XX/XXXX for a {$7.00} XXXX XXXX I paid for with sufficient funds in my checking. 

Transaction : Wells Fargo debited my refund of {$43.00} ( credit ) from XXXX on XX/XX/XXXX. 

Transaction : {$35.00} overdraft fee on XX/XX/XXXX for transferring {$28.00} from my savings into my checking with sufficient funds in my savings. 

Transaction : {$35.00} overdraft fee on XX/XX/XXXX for transferring {$43.00} from my savings to my checking with sufficient funds in my savings. 

Transactions : That $ XXXX was deducted from my payroll deposit on XX/XX/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 monetary relief
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection agency by the name of MRS BPO , LLC. 

I received the attached collection letter on XX/XX/XXXX, from this, MRS BPO , LLC, claiming that they are collecting on an alleged debt that they are claiming to have acquired from XXXX XXXX XXXX XXXX. 

They are claiming that I owe an alleged debt in the amount of {$3900.00}, and I want to make it clear to MRS BPO , LLC, that I dont owe them, nor do I owe XXXX XXXX XXXX XXXX this alleged amount of {$3900.00}. 

I had questioned the balances many times on the card that I had been paying XXXX XXXX for, years ago, and I could never get adequate nor accurate answers. 

In XXXX I did have a XXXX XXXX credit card account, and I feel that XXXX XXXX deceived me with the rates, and charges that were being charged onto the account. 
Years ago I had contacted XXXX XXXX many times through their online account messaging center, as well as by telephone calls to them, inquiring about the rates, and charges that were being charged to the account. 

Many times I had made requests to XXXX XXXX for a reduction in interest rate on the account that I had, had, because the balance was going up drastically due to their usury charges, and fees. 
I had also requested if they would transfer the account to a lower interest credit card account that they offered, and each time my request was unanswered, or I had to resubmit my message through the message center, and their answer always came back as a NO. 

I have had no dealings with XXXX XXXX XXXX XXXX since XXXX, and they have been placing false status dates, and information onto my credit files, making it seem as though I have an account that I have been using as of present XXXX, and that is false, fraudulent information, they are doing this so as to destroy my credit. 

This collection agency MRS BPO LLC, has never contacted me to verify if I knew of, or to find out if I even owed this alleged debt, yet even prior to my receiving the attached letter from them on XX/XX/XXXX, they had been making annoying telephone calls. 

I am disputing this debt, and I want MRS BPO , LLC to remove any and all derogatory false fraudulent information that they have placed onto my credit files, and I am requesting that XXXX XXXX XXXX XXXX do the same. 

I have had no dealings with XXXX XXXX XXXX XXXX since XXXX, and it is wrong of them to place false status dates, and information onto my credit files, and I want it all removed. 

If there is an account with a balance due in the amount of {$3900.00}, XXXX XXXX has run that up themselves with their usury interest, charges, and fees. 
Then they pass on false information to the credit bureaus and collection agency without any notice.

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 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I received an escrow statement from XXXX XXXX at the beginning of XXXX, 2021 indicating that I had a shortage in my escrow account and I needed to provide additional funds or my payment amount would increase. The statement indicated I needed a minimum payment of {$390.00} to set my new payment amount at {$1500.00}. I submitted a check for {$600.00}, which was cashed by XXXX XXXX on XX/XX/2021. Unfortunately XXXX XXXX applied the payment to principal. When I saw this mistake on my account on the website, I telephoned XXXX XXXXXXXX around XX/XX/2021 and asked why they had applied the payment to principal when I had submitted the payment with the escrow payment stub. They advised they would correct the problem and their records would be updated by XX/XX/XXXX. When my bank account was drafted for my XXXX, 2021 payment, XXXX XXXX withdrew {$1600.00}, which was the payment amount indicated on the escrow statement if I made no additional payments. I telephoned XXXX XXXX on XX/XX/2021 to again try and correct this issue. I spoke with a representative who said their records did not reflect this payment had been made. I waited over 40 minutes to speak with a supervisor to again correct this error. No one ever picked up the phone.

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 2021-04-02 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I am a victim of fraudulent/inaccurate items of this account reporting on my credit file. I have sent several disputes via mail to try and resolve the problem. My rights as a federally protected consumer are being violated as sated in the Fair Credit Reporting and and Fair Debt Collection Privacy Act. I have filed a complaint with the Federal Trae Commission and my rights are still being violated. My general reputation and my ability to obtain credit is being tarnished. I need to have these account removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I am a victim of fraudulent/inaccurate items of this account reporting on my credit file. I have sent several disputes via mail to try and resolve the problem. My rights as a federally protected consumer are being violated pursuant to the Fair Credit Reporting and and Fair Debt Collection Privacy Act. I have filed a complaint with the Federal Trae Commission and my rights are still being violated. My general reputation and my ability to obtain credit is being tarnished. I need to have these account removed from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please see Attached FTC report. Its a number of inquiries on my credit file that doesnt 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 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian, continue to report inaccurate information on my XXXX XXXX account ending inXXXX for the month of XXXX, 2018. I have provided Experian proof with a copy of a letter from XXXX XXXX multiple times stating that they will contact the credit bureau and have this inaccurate and subterfuge information for XXXX, 2018 delete. Experian is in violating of the Fair Credit Reporting Act because they continue to report inaccurate information after they have been provided information directly from the credit to remove this inaccurate information for XXXX, 2018. CFPB please have Experian uphold the law. Also hold Experian accountable for the violations they continue to comment with this dispute and compensate me for Experian damaging my credit worthiness by reporting this subterfuge information on my XXXX XXXX account. 

CFPB I have attached a copy of the letter As proof I received from XXXXXXXX XXXX requesting the credit bureau to delete this inaccurate and subterfuge information for 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 2021-04-02 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: GA

Complaint narrative:
Please see Attached FTC report. Its a number of inquiries on my credit file that doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I am a victim of fraudulent/inaccurate items of this account reporting on my credit file. I have sent several disputes via mail to try and resolve the problem. My rights as a federally protected consumer are being violated as sated in the Fair Credit Reporting and and Fair Debt Collection Privacy Act. I have filed a complaint with the Federal Trae Commission and my rights are still being violated. My general reputation and my ability to obtain credit is being tarnished. I need to have these account removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: UPGRADE, INC.
State: KY

Complaint narrative:
I am a victim of fraudulent/inaccurate items of this account reporting on my credit file. I have sent several disputes via mail to try and resolve the problem. My rights as a federally protected consumer are being violated as sated in the Fair Credit Reporting and and Fair Debt Collection Privacy Act. I have filed a complaint with the Federal Trae Commission and my rights are still being violated. My general reputation and my ability to obtain credit is being tarnished. I need to have these account removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I received a credit alert from the credit bureau stating that I owed a debt. However, the company didnt send me any communication of the debt prior to placing the debt on my credit. Rather parked the debt on my credit. I lost the offer on the house I was trying to purchase. XX/XX/XXXX I received a letter from the company date XX/XX/XXXX. No where in the letter did it state I could dispute the account. Rather demanded payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation