vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XXXX XXXX, XXXX I received a notice from my credit monitoring service that they detected new activity on one of my financial accounts. 
I looked at their information and saw that it indicated an Account was being opened with Well Fargo. 
Since I had not opened any accounts with Wells Fargo, I immediately contacted Wells Fargo along with my Credit Monitoring service and opened Fraud cases. 
I requested that Wells Fargo freeze and close out all accounts in my name and social security number given I did not have any banking with them. 
I also contacted all 3 credit bureaus and requested my credit to place a fraud alert on my credit and lock my credit. 

Wells Fargo opened Fraud Case Num : XXXX. 

In XXXX XXXX I was surprised to receive a checking account statement from Wells Fargo. 
I called the Wells Fargo Fraud line several times. Their wait times are VERY long... Waited well over an hour one day and had to hang up due to other commitments. I did eventually get back through and talked with a representative. 

I am concerned in that the representative would not share any of the findings from the fraud investigation. The rep. claims that the account has not been closed. I requested written confirmation to be sent to me showing that all accounts in my name and social security number have been closed. 

It concerns me that Wells Fargo did not close the account sooner since I reported the fraud immediately ( XXXX XXXX, XXXX ) and the account was still open end of XXXX, XXXX. 

Am I entitled to learn the findings of their fraud investigation?

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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This problem is with Synchrony Bank, the partner of XXXX and XXXX operates Paypal Credit. 
XXXX Paypal Credit XXXX : XXXX On XX/XX/30 I purchased on XXXX a plushie using Paypal Credit. 
I was charged {$160.00} for a fullbody cat plushie and after additional discussion with the seller to upgrade the size agreed to pay {$450.00} more. 

A month later, seller came to me with just a small plushie. When I became upset as it was fraud of purchase terms, they said they will produce the large one. Another month later they provided one that was far subpar to their store quality purported and refused to fix the situation. 

XXXX XXXX XXXX XXXX XXXX XXXX What the business XXXX committed to provide XXXX Buyer Protection How XXXX  is involved : They are directly in charge of Paypal Credit and in collaboration with XXXX. Basically, both teams XXXX and Synchrony Bank refused to read my evidence provided and jointly participated in attempting to put debt on me when I should have qualified for buyer protection. 

Nature of the dispute : I never received the items ( neither the small one nor large one ), seller attempted to dispatch randomly a package few days into the dispute process. 

I asked XXXX how this will affect and XXXX said to expect to be automatically ruled against, that they will not give me buyer protection even though seller provided not as described items fraud. So I was forced to open with Synchrony Bank, who also refused to investigate. 

Has the business tried to resolve the problem : No, XXXX denied me buyer protection even though I should have been covered. I have asked XXXX to contact their international office to return the shipment to origin but could not accept the package or pay for its return when it was forcibly sent out by the seller. 

Tracking # for {$160.00} shipment : XXXX XXXX Tracking # for {$450.00} shipment : One doesn't exist at all, seller uploaded the same # and XXXX says they just going to presume to accept that.

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 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I began contact with Chase at the end of XX/XX/2022. Approximately XXXX XXXX, XXXX XXXX, and a few times in XXXX. I made contact with regular customer service and the military customer service representatives. One man in the military department was extremely misleading in that he stated I must open my account before my orders start to be eligible to XXXX benefits. I did so, and I got approved, and my Title XXXX activation orders were under review for XXXX ( which it will be approved ) ; However, Chase then told me I would still have to pay the annual fee BECAUSE I opened it before my orders started. If I get XXXX benefits, which include waiver of annual fee, and they do not apply that, they are in violation of the service members rights and protections under XXXX. 

I then stated I was basically lied to and backed into a corner. If I knew they were going to do this just so I would pay the annual fee, I could have indeed waited for the orders to actually start, and apply for the card to get the annual fee waived under XXXX. 

They would not help me in any way shape or form. Not regular customer service, and not the military section customer service. The sad part is I was approved for the Chase Sapphire Reserve card at a great limit, and ironically it came in the mail that same day they told me they weren't waiving the fee for me. 

I am so upset. This is added stress that I am supposed to be relieved from... 

To say I am extremely disappointed in Chase would be an understatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The banking system is dependent upon fair and accurate credit reporting pursuant to 15 usc 1681 ( a ) ( 1 ). My consumer report isnt accurate! And thats not Fair! You have violated my rights for the last time. The injured party has been in the dispute process for these inconsistencies, inaccuracies and outright fraud on my account for too long with no compliance. 
Disputes have been sent to eliminate the inaccurate account because the date the account was allegedly opened ( which is still reported incorrectly ), the high balance of the account, which is a direct cause for my interest rate being XXXX higher than the nations average. The injured party has exercised their consumer rights to dispute inaccuracies and you have failed to provide maximum possible accuracy in your reporting pursuant to 15 usc 1681e ( b ). Part of the dispute process is disputing with the original creditor and once the injured party did follow through with the process ; XXXX XXXX XXXX XXXX sent me proof of the inaccuracies by stating we noticed inconsistencies with the reporting if the person furnishing the report can notice it why didn't the Credit reporting agencies? This is a direct violation of my consumer rights as you EXPERIAN and XXXX purposely failed to follow reasonable procedures to assure maximum possible accuracy. ( 15 usc 1681 ( i ) ) Experian and XXXX you have pushed the duty to verify onto the furnisher and never did your due-diligence to reinvestigate. Your failure to be fair and equitable with reinvestigations is proof that you have shown neglect in regards to consumers rights privacy. ( 15 usc 1681b ) You will be held accountable!

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 2022-02-18 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: IN

Complaint narrative:
Unauthorized Inquiry transactions. I have contacted most lenders directly to speak to them and ask for information regarding credit inquiry. I was directed by lender to contact trans union immediately and start a dispute. The trans union fraud team directed me to the CFPB to file an FTC Report. 

Inquiry - XXXX XXXX via XXXX XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - IXXXX XXXX XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX XXXX XXXX  ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX XXXX XXXX ; Date XX/XX/XXXX ; Ph Phone number not available Inquiry - XXXX XXXX XXXX via XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX ; Date XX/XX/XXXX & XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - SXXXX XXXX ; Date XX/XX/XXXX ; Ph ( XXXX ) XXXX Inquiry - XXXX ; Date XX/XX/XXXX ; Ph ( 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 2022-02-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I

sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-02-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc.
State: IL

Complaint narrative:
Hello, I first contacted National Credit Management on XX/XX/XXXX of XXXX after noticing a collection account on my credit report. At that time I had informed them that I had never received a notice letter informing me of my right to dispute the debt. They had updated my contact details after this initial contact and had claimed I will be receiving an email with the details. I waited for XXXX  months, I never received notice. 

I then contacted this company again on XX/XX/XXXX after disputing the charge with XXXX. I asked again, for a formal notice informing me of my debt and requesting a debt validation after verbally diputing the charge. I was told I will be receiving another " email ''. I still have yet to receive something. 

They have violated my rights under the FDCPA and I will proceed with filing a lawsuit if I do not receive verification/validation of the debt within 30 days. I am now sending this company a written dispute. Since I was also told over the phone that " We do not accept verbal disputes ''. Which I also believe is a violation. As per my knowledge most debt collectors have to respond to verbal or a written dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX GROUP XXXX {$51.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX at XXXX, our payroll processing entity sent the following email to me with respect to my split payroll check ACH deposit ; Co : XXXX Dear Client, We just received notice from our bank that funds in the amount of {$25.00} were returned to us. These funds will be returned to your company bank account. Please be sure to check the direct deposit setup prior to sending over your next payroll. 
Employee ID # Return Description Bank Account ( Last XXXX ) Routing # Amount Deposit Date XXXX Account Closed XXXX XXXX {$25.00} XX/XX/XXXX Sincerely , Finance Department. 
Phone # : XXXX Fax # : XXXX Upon review, I discovered it was my Wells Fargo Checking account in which I deposit, XXXX XXXX {$25.00} into my checking account with Wells Fargo. 

At XXXX AM on XXXX I contact Wells Fargo customer service at XXXX and spoke to CSRXXXX " XXXX XXXX who stated a new law went into effect on XXXX that all dormant accounts with NO activity for XXXX years would be closed based on Escheatment Law, ( sp? ). I stated that a XXXX-XXXX  deposit of {$25.00} has occured for the last XXXX years into this account and various withdraws have been complete twice for the year XXXX, how is this account considered inactive? The CSR did not know, I asked to escalate my call to a supervisor. The csr did at XXXX XXXX on XXXX. 

I spoke to XXXX next, who represented to be the supervisor. She asked if I would like to file a complaint. I state, please, as I am missing close to $ XXXX in my checking account which seems to have vanished. She was puzzled why that happened and stated that she was not able to take that complaint. She then transferred me to another CSR, " XXXX '', this time. This call was transferred at XXXX on XXXX. 

XXXX stated that this should never have occured and that the funds were still with Wells Fargo and were not turned over to the state of Arizona unclaimed property division and that it would take until Friday, XXXX to have the account re-opened and my funds available. It is XXXX AM on XXXX and my account and funds are still not available and the account is not open. 

Should a national bank, federal chartered bank, notify a customer of the intent to close a consumer account that has been open since XXXX, when the bank was XXXX XXXX? How is a bi-weekly direct deposit of {$25.00} not activity to keep the account current?

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 2022-02-18 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: TX

Complaint narrative:
The following companies obtained a copy of my credit report without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-18 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: TX

Complaint narrative:
The following companies obtained a copy of my credit report without my authorization : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX EQUIFAX MTG - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX IN - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation