vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
I was BofA 's client for over 40 years and last year I started wiring money for cryptocurrency ( which turned out to be a scam ) over {>= $1,000,000} was wired out of BoFa, after a few months of wiring money, I received two phone calls from BoFa 's employee on XX/XX/XXXX and Friday XX/XX/2023 yelling and screaming on the phone accusing me of being a criminal involved in XXXX XXXX because I am wiring XXXX  of dollars for cryptocurrency, I told her not to yell at me and that I have clients listening to her accusations but she continued with her accusations and threatened to freeze all my accounts and keep all the money, which at the time of the threat I had over {$700000.00}, because according to her it is XXXX XXXX  Both time I had clients with me who were there to sign a purchase contract for a {>= $1,000,000} house but after hearing BoFa 's accusations of XXXX XXXX  they walked away and I lost my clients, my commission and my impeccable business reputation. 

On Monday XX/XX/XXXX, all my accounts were frozen which included personal and business accounts, my credit card and debit card in addition to my not being able to sign in, leaving me stranded with NO money for gas, food, bills, no money to pay workers ... .Checks that I issued to my workers prior to having my accounts frozen could not be cashed, consequently, many of my workers threatened to have me arrested for giving them bad checks, even though I had plenty of money left in my accounts. BoFa traumatized me financially and emotionally. As BoFa kept all my money I filed complaints with government agencies who forwarded to BoFa and made them return my money but weeks later, however, BofA refused to return my credit card rewards in the amount of {$330.00} in violation of the CFPB ruling. In the meantime, I lost business, clients, my impeccable reputation to the point that I could not longer run my business from the shame BoFa put me through. Also, BofA made me lose {$490.00} in a XXXX scam from Bank of America Financial Center also in violation of the CFPB.

Bofa 's egregious actions were willful, wanton, reckless, intentional, malicious, defamatory, utter disregard for my wellbeing causing intentional infliction of emotional and financial trauma followed by cruel insensitive and defamatory remarks only compounded the pain by humiliation and embarrassment that ultimately caused me to stop working in the business that I enjoyed for over forty years. Bank of America must compensate me for over {>= $1,000,000} that they caused me lose in wire transfers to a cryptocurrency scam.

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 2024-02-28 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: NV

Complaint narrative:
Tired of being ignored month after month about inaccurate information which as never been verified to me after asking for proof of the reporting. I am yet to receive proof but still this inaccurate information keeps reporting.

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 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I am a joint owner on a Wells Fargo Checking Account with my mother. My mom is older, on a fixed income, and has XXXX XXXX XXXXXXXX so dealing with stressful financial things is difficult. I am usually her advocate. 

She never completed opening a XXXX Account linked to the checking account. 

In XXXX of XXXX there were XXXX instances of XXXX XXXX : XX/XX/XXXX XXXX to XXXX XXXX Ref # XXXX {$990.00} XX/XX/XXXX XXXX to XXXX XXXX Ref # XXXX Void XXXX {$990.00} XX/XX/XXXX XXXX to XXXX XXXX XXXX # XXXX {$990.00} XX/XX/XXXX XXXX to Case Close Ref # XXXX Close Case XXXX {$990.00} These 4 transactions totaling almost {$4000.00} were all fradulent. 

We have called multiple times and put in multiple claims of Fraud and Wells Fargo has done nothing. I am a complete joint owner on the account. We have also gone to the bank in person ( XX/XX/XXXX ) and filed a claim. In the most recent interaction they closed my claim and refused to discuss her older claim because " the transactions originated from her online account ''.

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 2024-02-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I'm written this letter to complaints long silent zombie 2nd mortgage or debt collectors filed a notice of default and start the foreclosure process on my house after silent for 15 years, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXREAL TIME RESOLUTIONS INC. ) XXXX XXXX  my husband borrow {$89000.00} home equity loan ( HELOC ) from a company known as XXXXXXXX XXXX XXXX security for this loan, in the form as mortgage, the HELOC was transferred to XXXX XXXX XXXX and then some other companies that current beneficiary is XXXX XXXX XXXX XXXX XXXX. In XXXX we ( me and my husband ) filed bankruptcy and discharged we thought the HELOC 2nd mortgage had satisfied, the last payment my husband made to HELOC was in XXXX, XXXX. In XXXX, XXXX our primary mortgage was modified under a governmental program known as the making home affordable program ( HAMP ) the program required that any secondary mortgage had to be satisfied, base upon this requirement that the HELOC was satisfied by the U.S. Treasury Department and can not enforce foreclosure now, The statute of limitation expired long ago we have not made a single HELOC payment since XXXX, XXXX. In XXXX, XXXX, CFPB issued guidance to debt collector 's to protect homeowner from zombie mortgage foreclosure, that who brings or threatens to foreclosure action to collect a time-barred mortgage debt may violate the Fair Debt Collection Practices Act and it's implementing regulation, that's may be unenforceable in court. However they still filed a notice of default to XXXX XXXX on my house. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I had a XXXXXXXX XXXX XXXX XXXX  that I have successfully paid off info and account is not closed. 

There was a second account opened with another user without my permission. I was not aware until I contacted XXXX XXXX and then filed a report for fraud with the company and have reported it as fraud with the credit bureaus. 
My next step is to hire a lawyer to have this removed, because this was fraudulently opened. 

I do not know if they are confusing. My current paid enclosed account with someone elses, but it is affecting me and my credit score and it should be against the law because I had no knowledge of this.. my next course of action is to hire lawyer.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
i reviewed my consumer reports and noticed that i had one late payment on a account that i was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy i have never been late on payments for this account i have included screenshots inside this complaint in or on dates of Mo XX/XX/2023 please investigate and provide proof with statements showing this payment was late if proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. thanks please see screenshot attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
i reviewed my consumer reports and noticed that i had one late payment on a account that i was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy i have never been late on payments for this account i have included screenshots inside this complaint in or on dates of Mo XX/XX/2023 please investigate and provide proof with statements showing this payment was late if proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. thanks please see screenshot attached

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 2024-02-28 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: FL

Complaint narrative:
i have found inquiries i dont recognize on my report and need them removedExperian -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian -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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I thoroughly reviewed again my credit report and I can still see the fraudulent items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had a care credit credit card that I have successfully paid off info and account is not closed. 

There was a second account opened with another user without my permission. I was not aware until I contacted synchrony Bank.. and then filed a report for fraud with the company and have reported it as fraud with the credit bureaus. 
My next step is to hire a lawyer to have this removed, because this was fraudulently opened. 

I do not know if they are confusing. My current paid enclosed account with someone elses, but it is affecting me and my credit score and it should be against the law because I had no knowledge of this.. my next course of action is to hire lawyer.

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 2024-02-28 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: IN

Complaint narrative:
XXXX I found disrepancies on my report with Trans Union, XXXX, XXXX Acct # XXXX the date of last actividy says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
In XXXX my son rented an apartment from XXXX XXXX  ; I was cosigner on the lease. After he moved out in XXXX, XXXX, he was informed that he owed {$750.00}. He paid it. In XXXX, XXXX, I was informed by National Credit Systems, of XXXX, GA that they were attempting to collect an unpaid debt of {$750.00} from XXXX XXXX I contacted National Credit Systems for further information that I passed on to my son. He provided a Paid statement from XXXX XXXX, dated XX/XX/XXXX, acknowledging receipt of {$750.00}, and that he owed nothing further. I sent this statement to National Credit Systems, formally initiated a dispute, and asked if they needed anything further from us to resolve it. They asked for a bank statement showing a withdrawal of {$750.00}. This was provided to them within 48 hours. In spite of a formal dispute, with documentation that the debt had been paid in their possession, National Credit Systems informed XXXX, XXXX, and XXXX that I had a debt in collection, necessitating me to file disputes with all three credit reporting companies. My credit rating dropped XXXX points. I have further provided National Credit Systems with a copy of a Money Order, made out to XXXX XXXX for {$750.00}, and cashed on XX/XX/XXXX. They say that they are investigating the matter. I contacted XXXX XXXX  directly, and received an email saying that nothing was owed, which was forwarded to National Credit Systems. In spite of being provided with proof that the debt was paid promptly in XXXX, XXXX, there is no evidence that National Credit Systems is acting to resolve this dispute and restore the damage to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
i have found inquiries i dont recognize on my report and need them removedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-28 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: FL

Complaint narrative:
i have found inquiries i dont recognize on my report and need them removedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing 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 ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : 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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have noticed that there are inaccurate debts being reported on my consumer report. Under Fair Debt Collection practices, I am asking for the debt to be validated. Please provide me with a breakdown of all charges, dates of service, and procedures. 

I am allowed under the HIPAA LAW to protect my privacy and medical records from third parties. This is also a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports the credit reporting agencies sharing my information. I do not recall giving permission to release my medical information to a third party to the following medical companies below : XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ), HIPPA does allow for limited info about me but anything more is to be revealed with authorization.

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