vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/2021, I ( the seller ) was selling a product. The buyer, interested in the product, wanted to complete the payment through XXXX Banking. This was my first time using XXXX Banking, in which I used it through the Wells Fargo Banking app, thinking it would be a safe choice. The total for the buyer came to {$1000.00}. On XX/XX/2021, the buyer said she processed this payment. I received an email minutes later from an imposter. I thought this email was valid and reliable as it was sent using XXXX 's email and had their logo. ( Refer to Attachment # 1 for the first email received ). This email stated that my account should be updated to a business account, but a minimum of {$2000.00} is required. The difference of {$970.00} was 'paid ' by the buyer, and I would refund that account. Once all payments have been made from both parties, both parties would receive their money. This fraudulent email forced me to take action. 
I stated to the buyer that I did not want to follow through with this, however, she said it was too late, she had already paid the {$970.00}, and we need to follow through. ( Refer to Attachment # 2 ). The next day, XX/XX/2021, I received an email from the fake XXXX email saying the buyer was charged {$970.00} XXXX times, and I would need to send it once more to refund her account. Once again, once all parties have paid, I would get my money refunded, and she would get hers. Therefore, the fraudulent email made me take action of paying {$970.00}, again. ( Refer to Attachment # 3 for the second email received ). 

In all, this means I lost a total of {$1900.00} toward fraudulent activity. 

I asked the 'buyer ' to please send back the money since it was a fraudulent attack. The buyer refused to comply with the request. 

After discovering this was fraudulent activity, I immediately contacted Wells Fargo and explained my situation. They filed each claim ( each payment as its own claim ), as told me it would be credited in XXXX to XXXX business days. The tenth business day came, and I have heard nothing from Wells Fargo. When I called the bank to ask the status of my claims, the banker answered they were closed out because " there was no banking error. '' Minutes later I contacted the claims department directly to get more answers. I later found out that Wells Fargo reached out to XXXX to let them know there was fraudulent activity using their banking and the receiving financial institution asking for the funds to be returned. I was told that if the 'buyer ' had already withdrawn the funds, there was nothing else that could be done, despite any type of consumer protection.

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 2021-11-29 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: NY

Complaint narrative:
After XXXX i logged into to XXXX XXXX and noticed on my credit report 3 new hard inquiries on my transunion credit report from XXXX and 1 inquire on XX/XX/XXXX that i have no knowledge of i called transunion to dispute the claim and i was notified i had to make a ftc report along with sending in documents. 

XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On my XX/XX/XXXX statement from Citi, I was charged {$40.00} in interest, without any explanation. 
When I called Citi 's customer service, the agent agreed that the interest charge was an error. 
But I was told that I must pay my full balance ( including the {$40.00} incorrect interest charge ) in order to have the {$40.00} refunded to me. 
That's ridiculous.

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 2021-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My credit report on XXXX is showing that a credit card account was opened with Capital One Bank on XX/XX/2021 with my name added. Also Capital One Bank reported to the credit bureau that I live in XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX while my address is in XXXX XXXX XXXX 
After talking to Capital One Bank, they have indicated that they do not have any records of a credit card under my name or social security number. 
I also spoke to XXXX who informed me that will do an investigation with Capital One Bank and request to straighten the records

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: IL

Complaint narrative:
My credit report on Experian is showing that a credit card account was opened with XXXX XXXX Bank on XX/XX/2021 with my name added. Also XXXX XXXX Bank reported to the credit bureau that I live in XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX while my address is in XXXXXXXX XXXX XXXX 
After talking to XXXX XXXX Bank, they have indicated that they do not have any records of a credit card under my name or social security number. 
I also spoke to Experian who informed me that will do an investigation with XXXX XXXX Bank and request to straighten the records

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 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be XXXX XXXX accurate and verified. As by XXXX requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2021-11-29 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:
As a XXXX who just got is social security this XX/XX/2021 I was taking advantage of by some of this companies and most of them where actually more of like a deceit pulling hard enquiries where they indicated that it wont affect my credit but ended up been a hard pull and some I didnt even give my information. In such a short period of time how could I possibly have all this hard enquiries it dont even make no sense They are as follows with dates and descriptions : 1. XXXX XXXX  XX/XX/2021. Was suppose to be a soft pull to check if I prequalified and instead they ran an hard pull. 
2. XXXX XXXX XXXX XX/XX/2021. This I have no idea of I remembered shopping from XXXX on that day if that was how they got my info I dont have a clue but I didnt request nothing from them 3. XXXX XXXX XX/XX/2021. This I have no idea of in its total entirety I dont know them 4. XXXX XX/XX/2021. Yes am an XXXX shopper but I requested nothing that has to do with credit from totally disputing this too. 
5. XXXX XX/XX/2021. Yes I have shopped in XXXX couple of times but I never requested no credit card to warrant this please am disputing that. 
6 And last XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/2021 respectively. I did apply for a credit card from them but they never replied back either I was approved or unapproved so why would I have a double hard pull on my credit at those two separate dates thats totally unofficial as I wasnt even approved so even if there should be a hard pull from XXXX it should one out of me been sincere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Removed these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all accounts of XXXX XXXX and all inquiries immediately. 

IM THE CONSUMER PURSUANT TO 15 USC 1692 I don't not owe any debts because I'm to consumer. And I'm not obligated to pay I'm administrator agent pursuant to 15 usc 1602o, I'm the administrative agent I'm not the owner the social security card belongs to the social security administration I have to give it back upon request, so therefore, I'm not the owner. 

I don't own any debt attached to 18 USC 8 will provide that information to you I don't own any debt. 
They never validated any debt. To validate a debt is to assess an action, I'm the only one who can validate a debt and it not mines and it's not yours. 
15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with " neighbors, friends, or associates '' of the consumer reported on or with others with whom he is acquainted or who may have knowledge.

15 USC 1681a ( e ) it stats you have to do personal interviews with neighbors, friends or anyone associated with the consumer which is myself '', they didn't do 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 non-monetary relief
Consumer complaint received 2021-11-29 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: FL

Complaint narrative:
My credit report looks not good. XXXX XXXX XXXX XXXX Where are these accounts came from. Im pretty sure that someone got my personal information. I dont know what to do now. My family is crying.

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 2021-11-29 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: FL

Complaint narrative:
My credit report looks not good. XXXX XXXX  XXXX XXXX. Where are these accounts came from. Im pretty sure that someone got my personal information. I dont know what to do now. My family is crying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: U.S. BANCORP

Complaint narrative:
I am not a resident of the XXXX and was making a motorcycle purchase from overseas. 

On XX/XX/XXXX I contacted the seller XXXX XXXX XXXX XXXX regarding purchasing his motorcycle. We agreed I will send him a cashier order of XXXX {$5000.00} as payment for the purchase. 

On XX/XX/XXXX I purchased a cashiers order of XXXX {$5000.00} from my local bank XXXX XXXX  XXXX XXXX XXXX XXXX ). 

On XX/XX/XXXX I sent the cashiers order by XXXX to the seller and has been confirmed it was received. 

On XX/XX/XXXX the seller has notified me his bank ( US BANK ) suggested this could be a scam and should use the collection method with a fee of XXXX {$30.00} to collect the funds from cashiers order issuing bank. I ensured him the cashier 's order is legit and funds will be available. 

Between XX/XX/XXXX XX/XX/XXXX I had kept in contact with the seller and ensure him the funds has already been withdrawn from my local bank before they can issue me the cashiers order. I had also provided prove to the seller the funds have been deducted from my bank account. The seller said he has already sold the motorcycle to someone else and has ensured me he will return me the funds once it has been deposited into his account. 

On XX/XX/XXXX I submitted a request to cancel the cashiers order from my local bank. I also asked the seller to provide me with the contact person at US BANK branch. 

On XX/XX/XXXX the seller provided the US BANK XXXX, XXXX  branch XXXX XXXX XXXX contact details and also informed her I will contact her to discuss the situation. 

On XX/XX/XXXX my local bank confirmed the funds has already been withdrawn on XX/XX/XXXX. 

On XX/XX/XXXX I called branch manager of the US Bank XXXX XXXX. She confirmed the cashiers order has already been sent in for collection. She couldn't answer me why the funds have still not been deposited into the seller bank account. She said she will look into the situation and contact me by email. 

As of the day of submitting the complaint, there is still no contact from the branch manager. 

I have all the conversion records with the seller and can be provided upon request.

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 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Earlier this year I opened a secured credit card with Capital One after closing another account with a lower credit limit. The reason I closed the latter account was because Capital One constantly stopped me from being able to use my credit card because I was paying the balance on the card via my brokerage account. The first time the account in question was restricted by Capital One, I submitted them the paperwork to prove the account I was paying the card from was indeed an account owned by me. After waiting the two weeks to get the account unlocked, I continued to use it and pay the balance from the same account. 

Not much time passed and Capital One again locked my account from being used for the sole reason that I was paying the balance off. Instead of constantly proving my account was mine, I decided to close that account and open another one, this time a secured credit card. The security deposit for this credit card was {$840.00}, and I paid the balance from the same account, this time using the debit card associated with that account. Not too long after paying the balance on the card, Capital One again locked the account because they wanted to verify the account I was paying from was mine. I submitted the paperwork to them, again, to prove I was the account owner, and waited two weeks for them to validate it and unlock my credit card. After two weeks of having a locked credit card against which I had submitted an {$840.00} deposit, I decided to close the credit card. I had already gone through verifying the account I was paying from was indeed mine, but apparently Capital One decided to ignore that and have me jump through meaningless hoops to be able to use the credit card again. 

The credit card was closed on XXXX XX/XX/2021, I was told XXXX XXXX XXXX, XXXX  days after the card was closed, I would be sent a check for the security deposit, less the balance on the card ( {$35.00} ). No such check has been sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. The accounts that does not belong to me, are constantly reporting on my Credit Report. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off : XXXXXXXX XXXX XXXX - Balance : {$0.00} XXXX  XXXX - Balance : {$450.00} XXXX XXXX - Balance XXXX {$11000.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX - Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX - Balance : {$250.00} XXXX AXXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX - Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$120.00}

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 non-monetary relief
Consumer complaint received 2021-11-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau from XX/XX/XXXX, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the XXXX should provide to the client 's requests. Here is the concerned account : XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: Early Warning Services, LLC
State: FL

Complaint narrative:
You continue to ask me for information regarding this account when the law states that EarlyWarning must share documentation with me verifying the reporting of this account. Anyone or any company could put anything they desire on my consumer reports. Without proper verification, I can be responsible. 

According to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). You must provide me ANY original documentation ( a consumer contract with my signature on it ) as required. You have violated this law. ( {$1000.00} fine ) According to the FCRA Section 611 ( a ) ( 7 ), Furthermore you have failed to provide the method of verification as required. Your company has violated this law. ( {$1000.00} fine ). 

Since you have not properly and lawfully verified this account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Company response to consumer: Closed with explanation