vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

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 XXXX XXXX XXXX XXXX XXXX XXXX copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2023-10-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
In XXXX, XXXX, XXXX. I XXXX XXXX XXXX has been hired at XXXX as a crew member Job Opportunity at XXXX XXXX located in XXXX, XXXX. Upon of getting hired of doing my orientation, The Hiring Manager informed me that since it will be my first Job opportunity in my age, The hiring manager informed me I will need to bring two proof of identification on my orientation day! for work. I told my boss okay ; boss I will be bringing it on orientation day of signing my important documents and all etc. Now orientation has been finished so upon catching the city XXXX bus transportation I XXXX XXXX XXXX fell asleep while TheBus was in operating motion, I had missed my stop and told The bus driver stop! I ran out the back door I noticed I turned back it dropped in the bus! I didnt know that it is very important to report my identity and my social card once I loose my personal identities which I have already reported to all important law offices. PLEASS DISPUTE EVERYTHING BACK IN XXXX and to XX/XX/XXXX. If you have Any questions or concerns to ask me feel free to email me or calls, faster response through email 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
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
sessoms and rogers PA in XXXX north carolina sent me a default judgement letter. I looked at it and I tried to call them about this letter but they will not answer my phone calls. ive been making payments to them for the charged off XXXX XXXX  XXXX credit card. i made them stop taking money because they illegally took the money out of my checking account, forcing me to change my account information with my bank. also, they wanted me to sign a confession of judgement. i was going to sign it but i fell ill. i am suffering from major health issues from the XXXX XXXX. so i get hindered a lot from going places and doing things. i guess they took this as a sign that i didnt want to sign it. so they put a default judgement out against me. i called them multiple times, at least 3 days in a row this week but they wont answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Checked my credit report and it was alarmingly low. I reviewed the accounts and showed Comenity Bank as over 180 days past due, opened, used but never paid. In reviewing the other accounts on my report NO OTHER account shows that pattern, everything is in good standing, making payments, or paid off. 

The report also shows an address associated with this Comenity account as not mine ... from a state I have never loved that was opened XXXX. 

I have spoken with XXXX, XXXX, and XXXX about the removal of this from my report. I have also contacted Comenity informing them that it is not mine and nothing associated with this account is mine, so it is fraudulent, along with the steps that I am taking to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
First of all Freedom Mortgage is a scam and should be investigated by CFPB. There are stories all over the internet, XXXX, XXXX reviews, etc concerning this shady company jacking up peoples escrow requirements and refuses to provide any real explanation or accounting. 

Personally on XX/XX/23 I received notice that my mortgage payment was increasing by the substantial amount of {$1400.00} monthly. The letter provided no details outside of their being a " shortfall '' in my escrow account. I call Freedom mortgage 3 times before the end of XXXX and no one was able to provide me an explanation. Multiple times I was promised a call back or that a ledger would be mailed to be and I received nothing. 

I have continued to call Freedom Mortgage every other month when my payment is due to demand an explanation and I have never received anything I have been promised and only have encountered increasing rude and increasingly incompetent representatives who also can not explain this. Including multiple times they just hang up when they cant answer a question. 

Out of 18 calls to Freedom concerning this issue only twice have a gotten someone who tries to find an answer and both of these nice ladies have ended up saying " I don't know what to tell you '' and " this doesn't make any sense. '' I am writing CFPB now because yesterday, XX/XX/23, I received my property tax bill. It is within {$100.00} of last year. My insurance for this year is the exact same amount as I paid last year. Nothing has changed. I just gave a shady mortgage company ( Freedom Mortgage ) a XXXX loan at zero interest this year and I am not the only one they are pulling this trick on.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Transunion for violations of the Fair Credit Reporting Act ( FCRA ) and the specific requirements of 15 U.S.C. 1681a ( 2 ) ( i ). I have attached my demand letter dated XXXX as evidence of the issues I am experiencing.

In my demand letter, I requested the removal of specific information from my consumer credit report, as provided for under 15 U.S.C. 1681a ( 2 ) ( i ). This statute explicitly mandates the exclusion of information solely as to transactions or experiences between the consumer and the person making the report. The specific accounts and transactions that I requested for exclusion are detailed in the attached demand letter. 

Despite my efforts to resolve this matter directly with Transunion, the requested action to exclude this information from my credit report has not been completed. I believe that Transunion is in violation of the FCRA and 15 U.S.C. 1681a ( 2 ) ( i ) by failing to comply with this statutory requirement. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against Transunion for its non-compliance with federal consumer protection laws. I also request assistance in ensuring that the inaccurate information is promptly removed from my credit report. 

Enclosed with this complaint is my demand letter datedXXXX as evidence of my efforts to resolve this issue directly with Transunion . 

I appreciate your attention to this matter and your assistance in resolving this dispute. Please do not hesitate to contact me if you require any additional information or documentation. 

Thank you for your prompt consideration of this complaint.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I mailed roughly XXXX company checks at the local post office in XXXX XXXX, LA on XX/XX/2023 and none of them made it to their intended destination. However XXXX of these checks were cashed for a total of {$260000.00} with a different name/address written on the checks than the original checks. On XX/XX/2023 I got calls from vendors asking about nonpayment. I then looked at the bank records and saw that their checks cleared but after pulling up the image of the checks, I noticed that they were not my checks and had different reciepiant names/address on them. I bank with Capital One and I immediately called them to report the fraud. They opened an internal fraud case and provided me with a case number. I called back several days later and Capital One told me that their fraud team has sent the fraud information to XXXX XXXX, the bank that cashed the checks, and have requested the money be returned to me. Capital One also told me that they have all the information and if they needed anything else that they would call me but that there was no reason to keep calling them because they have told me all they can tell me. They will not tell me the the location of the XXXX XXXX, why these funds were immediately cashed and not put on hold, why their AI wasn't used to see that these were not my checks ( different routing number, different boarders, different wording on the front and back ), or how they didn't catch that my signature was traced because all three signatures are the exact same. Also they could not tell me how this was my fault. I have called back several times, about once a week, and they keep telling me the same thing, that they are waiting on XXXX XXXX  to refund the money and that there is nothing else they can tell me. It is now 30 days since Capital One has opened the fraud case and I have still not been refunded the money. I tried calling the local police but they told me that because the checks were stolen from the XXXX XXXX that it is a federal issue and to call the XXXX XXXX. I called the XXXX XXXX and opened a case with them, however they have told me the same thing as Capital One in that they have all the information and there was no reason to keep calling them. If their fraud team needed more information, they would call me. 
Capital One acknowledges this is fraud and it is obvious the banks failed to do their job to verify the checks but yet they are penalizing me by not refunding me the money. I run a small business and this is really effecting my ability to pay vendors and make payroll.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I Was XXXX  -and then finally XXXX  -by the High Court on XX/XX/XXXX  - I submitted a request with Transunion -with all the court documents -to remove all adverse information from my credit report Nothing Happened i phoned the call center person told me -even if i am " rehabilitated '' the adverse information must stay on my credit report -i consulted with my Attorney and the Advocate -both confirmed -everything must be removed -as per the XXXX High court order i phoned again -lodged an complaint -to ensure that this person does not actually now do this Nothing happened Phoned again -insisted to speak to the team leader XXXXthat immediately told me -they did send my XXXX  order to the wrong place -it has to go to the sequestration department -and she even send me n e mail -stating its urgent Nothing happened -and now this lady was on leave so in order for them to clear my name Transunion work on the same system as the master of the high court i had to wait for all documents to be scanned in onto their system, then they printed it for me, and i send it to the credit br. 

so for them to clear my name -they have to sit -log on -see my details are correct and clear my name -about at most 5min but they tell me they are " waiting '' for feedback -but the information is on their Pc 's why are we now going into week 3 -for this to happen

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 2023-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: VA

Complaint narrative:
In XXXX Title Max gave me a loam on my XXXX XXXX XXXX. After they gave me the loan they raised so many fees and interest on me it was impossible to pay back the XXXX dollars they loaned because the interest was over XXXX percent I think. They came to my house the tow guy damaged the back of the car by just picking it up and dragging it without being fully latched to it. The car had a blue book value of around {$6400.00} and they never gave me a dime when they sold it at auction. I've paid enough payments to them to pay back the XXXX dollars twice as I recall and it just kept going up and going on the interest and loan it was impossible. They stole a {$6400.00} dollar car from me and got paid back around double what they loaned me I think it came out to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX XXXX  PA in XXXX north carolina sent me a default judgement letter. I looked at it and I tried to call them about this letter but they will not answer my phone calls. ive been making payments to them for the charged off bank of america credit card. i made them stop taking money because they illegally took the money out of my checking account, forcing me to change my account information with my bank. also, they wanted me to sign a confession of judgement. i was going to sign it but i fell ill. i am suffering from major health issues from the XXXX XXXX. so i get hindered a lot from going places and doing things. i guess they took this as a sign that i didnt want to sign it. so they put a default judgement out against me. i called them multiple times, at least 3 days in a row this week but they wont answer 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 2023-10-06 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: FL

Complaint narrative:
I had my account set up where if there was not enough money in my account, it would have declined a purchase. they continue with the purchase and left my account overdrawn and applied the fees for the overdraft.

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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I deposit a check in the amount of XXXX and they took it at first saying there was a Lein. I knew this was fraud for I have no children. Or child support. Or contracts with California state. Then they changed the actual deposited amount to XXXX to hide the fact they stole it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

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 copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

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 A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2023-10-06 00:00:00
Product: Credit reporting 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:
I did not give XXXX XXXX XXXX permission to share my personal information with any other third parties. I wrote them asking for disclosures that I signed that gave them permission to share my information with the top three credit reporting agencies. I have not received a response as of yet.

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 2023-10-06 00:00:00
Product: Credit reporting 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:
I did not give XXXX XXXX XXXX permission to share my personal information with any other third parties. I wrote them asking for disclosures that I signed that gave them permission to share my information with the top three credit reporting agencies. I have not received a response as of yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not give XXXX XXXX XXXX permission to share my personal information with any other third parties. I wrote them asking for disclosures that I signed that gave them permission to share my information with the top XXXX credit reporting agencies. I have not received a response as of yet.

Company response to consumer: Closed with explanation