vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2019 I was approached online via email from a person wishing to purchase art from me. I agreed to create art for them and they sent me a check in the mail. The check had several security features and appeared to be from a reputable source. I deposited the check into my Wells Fargo checking account. Part of the money sent was to be for a shipping agent who was supposed to pick up the art from my home. Once the check cleared ( or appeared to clear ), I sent {$1800.00} to her shipping agent via online payment services. I also ordered her canvases from my printer. She then canceled her order and asked for a refund. Since the funds had appeared to clear, I processed her refund for about another {$1000.00} total. The check bounced after I paid her the refund which resulted in my account being overdrawn in excess of {$3000.00} including fees. Im on social security XXXX and only make about {$700.00} a month. The bank never should have made the funds available if the check was bad. I went into the bank and asked what I could do and they said there was nothing I could do but pay the {$3000.00} to get my account back in good standing. They are also charging daily overdraft fees. Its an unfair banking practice. I did nothing wrong, in fact they said they made the funds available because Ive never bounced a check and have been a good customer. Im scrambling trying to open a new account for my XXXX benefits to be deposited into each month. Until I can do that I have to have social security send paper checks, a major inconvenience when I did absolutely nothing wrong. I have also reported the person of the transaction that scammed me to the consumer protection agency.

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 2019-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hi. I am submitting a complaint in regards to Capital Ones application process. I submitted an application for a card. I got a denial but it didn't seem like it processed. I called and spoke with a rep, but she was speaking from a script. I feel like I was denied because I have a 7 year extended fraud alert on my credit across all 3 bureaus. I would like someone to reprocess my application and verify my identity. There is no reason why I should have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I received a letter by mail under my name but wrong spelled from Convergent Outsourcing Inc where it says I old money to XXXX XXXX XXXX XXXX ( a company I have never heard of ) also, the letter said that if I pay within 3 days I will only have to pay 60 % of the debt. I believe this a scam.However, I called them and asked them to know more information about it, and notified them the name was wrong spelled, they asked for my name but I didnt wanted to give them my information as I dont know if this is legit or a scam, so they refused to give information about the case.

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 2019-10-17 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XX/XX/XXXXThe affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT : {$650.00} XXXX XXXX XXXX ACCT : UNKNOWN AMT : {$5500.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/XXXX/Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XX/XX/XXXX The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT : {$650.00} XXXX XXXX XXXX ACCT : UNKNOWN AMT : {$5500.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX  via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-17 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX HEY! FIX THIS XXXX NOW! 

Equifax/XXXX/XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XX/XX/XXXX The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT : {$650.00} XXXX XXXX XXXX ACCT : UNKNOWN AMT : {$5500.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I was never contacted by the company and told my account was in arrears. When I contacted Opportunity Financial on XX/XX/2019 and spoke with representative XXXX. I was told the last payment was XX/XX/2019 and my account was {$400.00} past due. I attempted to make a payment on XX/XX/2019 and no longer had online access to the account. The representative XXXX told me my account was being written off and I would no longer have access. 

I have not received one call or email from the company providing me with a status of my account. I asked the XXXX why I was not contacted and he communicated I responded STOP to a text message in XX/XX/2019. This was from a prior account with OPPloans which was paid in full. 

During this same phone call, XXXX communicated to me the account would be taken out of charge off status and I would gain access. I no longer trust this company and feel the company is highly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
XX/XX/2019 {$780.00} XX/XX/2019 {$1000.00} the collection agency keep calling and harassing me when I have told them it wasn't me and I didn't owe them and tht I was a victim of identity theft..and tht I don't owe them anything and they continue to harass me about it..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: NY

Complaint narrative:
I am filing this complaint because XXXX, XXXX and TransUnion has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: NY

Complaint narrative:
I am filing this complaint because XXXX, Experian and XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2019, I went into Bank of America, in order to open a representative payee account. We discussed with the Banker a broad range of topics to meet my family 's future financial goals, including, but, not limited too, plans to purchase a home, plans for my children 's college educations and plans regarding my business. I am a business owner who has recently become XXXX and desired to know what the bank offered as far as business financial services. 
XXXX XXXX, Relationship Manager Business Owner Specialist is the Banker that opened the account. He opened the account in XXXX, GA. Unfortunately, XXXX treated me in a discriminative manner. I bought a Representative Payee with me to open the account. I requested information about mortgages. To this day, no help has been provided from the equal housing lender. 
The representative payee has not given me the debit card for the account, instead has done something else with it.

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 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE AND REINVESTIGATE SO THEY CAN BE IMMEDIATELY REMOVED OFF MY CREDIT BECAUSE IT HAS CAUSED SERIOUS HARDSHIP TO MY FILE.

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 2019-10-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
A few years ago I was a victim of identity theft. I was able to freeze my credit with all three agencies, but somehow, XXXX XXXX my calling them and telling them the credit inquiries constituted fraudopened an account for the thieves anyway. I learned this in XX/XX/2019 when collection agency accounts started appearing on my credit reports. I have disputed the accounts with the collection agencies and they understand that this is a case of fraud. But despite at least half a dozen calls to Experian, I can not get the latest one removed from my accountand now they have included the thieves ' address as one of my mine.

The problem is that Experian 's website never works properly and never allows to handle anything onlineeven after they send me emails telling me to check the results online. I get constant error messages. Then I call the company and wait 45 minutes to an hour each time. Inevitably, as soon as I describe the problem, I'm told I have to be transferred to another department and put on hold again, for another 30-46 minutes. Twice, I've asked to be transferred to a supervisor ( once because the representative had the gall to ask if I was really disputing something ), and after waiting 15 minutes more on hold, have been told each time that there were no supervisors available and someone would call me. No one ever did. 

The incompetence, the constant technical problems, the complete lack of empathy and the repeated mistakes are absolutely outrageous and unacceptable in an agency that's supposed to be " helping '' the public. All they want to do is sell their " protection '' productwhich I wouldn't trust for a second. 

I still have a collections account and a thief 's address on my credit report and no way to get rid of them.

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 2019-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Travelex NY, Inc.
State: IL

Complaint narrative:
Hello, I am writing to inquire about acceptable business practices and fees for currency exchanges. I recently visited XXXX, and exchanged USD in cash for JPY prior to taking off. I later realized the rate I was given in the airport was notably different from exchanges elsewhere, and began looking into this more prompting this message. A receipt from my transaction is attached for reference. This was a currency exchange counter in the XXXX airport near the XXXX XXXX international check-in counter. 

My initial intention was to exchange {$500.00} USD for JPY so I would have cash in-hand prior to landing. The individual behind the counter encouraged me to exchange more money, as I would receive a better exchange rate in this circumstance. I can not recall what the difference was exactly. 

On reviewing the rate I was given, in addition to the fees that were imposed : XXXX XXXX XXXX I received XXXX JPY. When dividing this by the exchange rate that day ( XXXX ) = {$500.00} USD. I was charged a total of {$610.00}. This a total loss of {$110.00} on an intended conversion of ~ {$600.00}!

I am writing as I naively assumed a currency exchange in a major US airport ( XXXX ) would provide a fair rate/fees. After auditing this I am realizing I am sorely mistaken and feel rather foolish. But I am guessing this occurs to many individuals systematically. I am not sure if this is considered to be a fair business practice, or if there are limits to the rate an exchange can give compared to what is being traded that day. In any case, as a consumer, I would advocate that these fees be much more clearly stated as I would not have taken that action had I realized the financial loss associated with the transaction. 

Thank you for your attention to this matter. Please don't hesitate to reach out with any further questions/clarifications. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: NY

Complaint narrative:
I am filing a formal complaint against Wells Fargo Bank for improperly protecting my accounts from fraudulent debit card transactions and then attempting to accuse me of the fraudulent transactions in order to avoid covering the lost funds caused by their negligence. 

On XX/XX/2019 I opened a checking account with Wells Fargo in order to deposit funds that were raised as part of an effort to produce an independent film for which I had developed the screenplay. Through XXXX XXXX we were successful in raising {$5200.00}. A portion of that money was directly deposited to the new Wells Fargo account. 

In the interim, Wells Fargo mailed a new debit card to my address as well as a PIN code in a separate mailing. Both were stolen from the US Mail and the access was used to take cash as well as purchase items from XXXX and others. I only detected this fraud when I logged on to deposit additional funds on XX/XX/XXXX raised through another investor. I reported fraudulent activity to Wells ( Claim # XXXX ) and to the XXXX XXXX XXXX Police ( case # XXXX XXXX Precinct, overseen by Detective XXXX XXXX ). 

The initial response from Wells Fargo was that the issue would be corrected in 10 days and funds replaced. Not hearing anything further I contacted Wells to understand the delay and was informed that they had no intention of refunding the money and then falsely accused me of either taking the funds myself or sharing the information with another to take the funds. Neither of which is true.

According to Wells Fargo, they consider the matter closed. As such I am formally filing this complaint in order to be reimbursed by Wells Fargo for their negligence and inadequate delivery and/or security measures for delivering a new Debit card in an urban area. 

I would like to discuss this further and understand my protections in such a situation and what the State of New York can do to protect me from the flawed practices of Wells Fargo. Please feel free to contact me at 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 2019-10-17 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE AND REINVESTIGATE SO THEY CAN BE IMMEDIATELY REMOVED OFF MY CREDIT BECAUSE IT HAS CAUSED SERIOUS HARDSHIP TO MY FILE.

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 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
PORTFOLIO RECOV Associates reported on my XXXX Credit Report that a Credit Card Account was opened under my name in XX/XX/2019 which is false, they have not submitted any document ion to verify this debit or give the ability to dispute this account.

Company response to consumer: Closed with explanation