vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 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: MI

Complaint narrative:
To Whom It May Concern, 

I Have Previously Disputed This Item With XXXX  & TransUnion XXXX XXXX XXXX (Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX) & In Response You Verified The Item As Accurate, Stating That You Verified This Information With The Court. 

I CONTACTED THE COURT On XXXX XXXX XXXX & COURT RESPONSE Is Enclosed. 

It Is VERY CLEAR They DO NOT REPORT TO XXXX  OR ANY OTHER CREDIT REPORTING AGENCY! 

Therefore You ORIGINAL RESPONSE Of VERIFYING The Item With The Court Was A Error OR COMPLETE LIE, EITHER WAY The Reporting Requirements Does NOT COMPLY With FCRA 611 (15 u.s.c. 1681) And The INFORMATION MUST BE DELETED 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 non-monetary relief
Consumer complaint received 2023-01-25 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: PA

Complaint narrative:
I am writing to advise I have been a victim of identity theft for the following account XXXX BANK XXXX, XXXX XXXX hard inquiry. I did not authorize the use of my name or personal information to obtain credit loans, goods and or any other services pertaining to this report. I am requesting this fraudulent accounts be corrected as soon as possible.

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 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I chose XXXX items on XXXX to purchase. A small Affirm icon appeared next to one of the items and I opened it see what it was. It was an offer that stated if I paid off the loan within a certain amount of time I would not be charged interest. I decided to apply. In the process there was a place to select how many months in which I would pay it off. I believed I was choosing 6 months without interest because of the offer I had just read. When I checked my account today XX/XX/XXXX I saw that I had immediately been charged interest. I called affirm. The first person I spoke to, XXXX, put me on hold and then hung up on me. The second person listened, gave me a list of some of the reasons I was denied " no interest '' and passed me to a XXXX. That person gave me the same information but could not give me a valid reason for being refused the " no interest ''. My credit score is over 700 and I have an excellent payment history. Other than that Affirm 's representative had no excuse for the deception. 

Affirm was deceptive in it's advertisement, did not state what reasons could negate their offer, and when they gave me the option to select a time limit to pay off the loan, it was not in accordance with the initial offer which I assumed would be XXXX mos no interest, I find this unacceptable and would never Align myself with such a high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have many fees charged on my account. I paid because the bank is not responsible. It was free of charge but I had to pay a lot of fees of {$35.00} USD to be able to use my account. I've complained many times and to no avail.

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 2023-01-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I already submitted a complain with the Equifax regarding the account XXXX and the complain was already closed in my favor and they will delete this account from my credit report because they are violated my rights. As today I don't see any changes in my Equifax credit report and the account still there. 

Complain # XXXX Submitted to the CFPB on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
The CFPB, in conjunction with regulatory agencies, should be working to reduce the number of loan transfers from one Loan Service to another. Loan transfers impact borrowers with the burden of constantly setting up new autopay account for the new servicer creating confusion for the borrower. There should be a penalty of some charge for every time a servicer transfers a loan.

1. if a loan is transferred, the payment arrangements are transferred as well 2. forcing the borrower to keep track of the transfers is an undue burden on the borrower. They make their payments on time. The banking and finance business should not be a problem for the borrower. The borrower does not get any advantage from the transfer, so they should not be impacted.

3. Have a limit on the number of times a loan can be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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 inquiries being reported by Equifax, XXXX and XXXX were not authorized or with my consent. This is a clear violation under the FCRA sec 604. 


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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scratch Services, Inc.
State: CO

Complaint narrative:
On XX/XX/2023 I received via mail a Notice of Default and Demand for Payment from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX that I was in default of payment for a SBA loan that I never applied for. The bank issuing the loan is : XXXX XXXX Banking XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX was transferred fraudulently out of my Bank of America Edd account I reported it made a police report notarized documents showing proof that my money was stolen Ive filed complaints with the bank the denied my claim several times but I keep opening my claim back up last time I reopened my claim was XX/XX/2022 still havent got a decision this has put me in a terrible situation I had to have a program pay my rent and bills and my credit score has dropped from a XXXX to a XXXX because all my money was stolen and the bank has not been any help I even asked for hardship and was denied the this bank has ruined my life

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 2023-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
To whom it may concern.

My loan was sold to Rushmore loan management services since XX/XX/2022. I started sending paperwork to them explaining that I am a veteran rated at 100 % VA XXXX XXXX  and that I qualify for the Illinois homestead exemption for veterans here in XXXX XXXX. The county honor the taxes but i was told that i need to get the refund from the mortgage company. Rushmore does not want to acknowledge this information or if they are they are not in compliance with this law because they continue to refuse to tell me how much and when i can expect to receive the exemption. They failed to pay my property taxes for the year 2022 and are now keeping from earned benefits. They acknowledge they did not pay the taxes otherwise the county would have sent the check but because no payment from them the county can not do anything but tell me to get the refund from Rushmore. I been fighting them since XXXX for the refund and every time is the same excuse '' they just finished working on it and can't tell me how much or when i will be getting the check ''. I appreciate your attention to this matter in advance and i thank you for your time. 
Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have already made a complaint to CFPB as below, the Comenity Bnak did not resolve it till now. The dispute is pending with CFPB and also with Comenity Bank collections, but they keep on reporting my account deliquent, today i.e XX/XX/XXXX, they again reported me 60 days delinquent and my XXXX XXXX fell to XXXX, this is causing severe trauma to me. 




I have received a sanction of {$3500.00} from XXXX XXXX XXXX XXXXComenity Bank referring to an account ending XXXX. I have accepted to get a hair treatment from XXXX XXXX but did not even make my first visit for the treatment. As i was getting bills from XXXX XXXX Comenity Bank , i reached out to XXXX XXXX to refund the money to comenity as i did not start the treatment. XXXX XXXX has ignored all my emails and blocked my email. When i finally informed Comenity, they said that they will initiate a refund and asked me to reach out on XXXX XXXX if do not get any update from them. The customer service was not available and always i was kept on hold. On XX/XX/XXXX I received a notification that my XXXX XXXX has decreased from XXXX to XXXX because of the overdue report by comenity. Upon reaching comenity, they informed that they have recovered the balance from XXXX XXXX, but the late fees are past due. I believe that the late fees should have been collected from XXXX as my liability only starts after i make the first purchase. The fee they have applied is not valid as i did not start any treatment. The customer service XXXX also mentioned the same but she asked me to reach out to collections to get this removed. This wrong reporting has effected my XXXX XXXX and comenity said they would take 90 days to resolve the issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 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: FL

Complaint narrative:
As of today XX/XX/XXXX, I have sent 8 faxes to Equifax with an FTC report, a copy of my driver 's license, and my social security card. I have called more than 5 times for them to remove all the fraudulent inquiries that are on my credit report and all they do is NOTHING. Here is the list of all of them : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: U.S. BANCORP
State: SC

Complaint narrative:
Unauthorized credit inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nd XXXX The date is 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 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal claims they made a money transfer in my name for the amount of {$120.00}. The bank account that was used for the transfer does not exist since I closed it a year ago. So I asked them how they could have accessed a closed account and the reply I got is they pay first and try to collect from the bank later. This is not satisfactory and I am wondering if it is at all legal. 
The transfer was made to Washington XXXX for annual dues, a subscription I did not need since I already have XXXX from my spouse. 

I am sorry if this is going to the wrong section of CFPB but since it involves a money transfer I chose the Money Transfer Option. If need be please direct this to the correct section of CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This company is reporting inaccurate information on my consumer report and it is causing me and my family financial and emotional damage. This is my second attempt to remove this alleged debt. The account is showing two different account numbers on my consumer reports. Please delete this alleged debt.

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 2023-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to Chase Bank ( XXXX CA ) and requested that {$25000.00} be deducted from my Traditional IRA Account and that {$10000.00} be deposited in my saving account, {$10000.00} be forwarded to the IRS ( to prepay XXXX tax ) and {$5000.00} be forwarded to the Franchise Tax Board ( CA ) to prepay XXXX state Tax ). 

The IRS received the {$10000.00} and credited by account and my savings account was also credited with a {$10000.00} deposit. I assumed the XXXX had also received the {$5000.00} and would credit my account. 

In XXXX, XXXX, I filed my California Form # XXXX ( personal Income ) and submitted the IRS Form 1099-R which I received from Chase Bank indicating that {$5000.00} of State Tax was withheld. 

In midXXXX, XXXX, I received an Income Tax Due Notice from XXXX that I owed {$5000.00}. My total tax for XXXX was {$8000.00} and I paid {$3000.00} at the time of filing, believing that the {$5000.00} which was deducted from my IRA account made-up the total of {$8000.00} FTI acknowledge receipt of the Form 1099-R but said that the cash was never received and that the Form 1099-R was just a piece of paper and that I still owed the {$5000.00}. 

When the Final Notice Before Levy and Lien was received ( XXXX ) I pay the XXXX {$5600.00} ( which included a penalty of {$580.00} and Interest of {$100.00}. 

Chase says it sent the money ; IRS says it didn't receive it. 

My XXXX account # is XXXX My SS # is XXXX How do I get my {$5000.00} back?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequium Asset Solutions, LLC
State: MN

Complaint narrative:
Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Sequium Asset Solutions and it is showing on my credit report without my consent.

I have no contract with Sequium Asset Solutions and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty.

Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not provide written instructions or written permission to Equifax or any other credit reporting agency to report any listed transactions with XXXX XXXX XXXX XXXX nor are any of the transactions associated with XXXX XXXX XXXXXXXX XXXX related to any transactions completed by me. XX/XX/XXXX, XXXX contact made by consumer to Equifax regarding identity theft and the fraudulent reporting of account XXXX XXXX XXXX XXXX XXXX and provided FTC Identity Theft Report Number XXXX XXXX XXXXXX/XX/XXXX, XXXX Equifax failed to conduct a proper investigation, but merely updated the erroneous item, without verifiability and validity, nor proper communication with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
UNDER 15 USC 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATIONAND CANT REPORT ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEMENT INC. and attorneys et all. fraudulently created a security bond without disclosure or my consent. MIDLAND CREDI MANAGERMENT mailed a document dated XX/XX/XXXX, postmarked XX/XX/XXXX, and was received by me on XX/XX/XXXX requesting response 30 days from the date in the document. Despite only allowing for n official response in 15 days, per the request, an unrebutted response was mailed to MIDLAND CREDIT MANAGEMENT XX/XX/XXXX, and arrives at the po box on XX/XX/XXXX. XXXX XXXX has no wet signature contract with MIDLAND CREDIT MANAGEMENT, therefore, no debt owed. MIDLAND CREDIT MANAGEMENT has violated ( 17 C.F.R. 205, 18 U.S.C. 8, 12 U.S.C. 1955, 12 U.S.C. 1957, 15 U.S.C.77K, 15 U.S.C . 77w, 15 U.S.C 77x, 15 U.S.C. 77y, 15 U.S.C. 77q, 18 U.S.C. Ch 47, 18 U.S.C. 1911, 18 U.S.C. 1953, 18 U.S.C. 1957, 18 U.S.C. 1962, 18 U.S.C. 1963, 18 U.S.C. 2073, RICO Act, FCRA, FOIA, Securities Exchange Act of 1933, Securities Exchange Act of 1934, 15 U.S.C 1631, 15 U.S.C. 1637a ) among others. I will also be contacting the Texas Attorney General, the Securities Exchange Commission, State Bar of Texas as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello, I fell behind XXXX payments and tried to make a payment and get assistance from XXXX. Well Fargo would not take a payment from me and foreclosed on me before XXXX XXXX program could provide the assistance I was approved for. As a result my locks were changed and I lost my home.

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