vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
From XX/XX/2023 to XX/XX/2023 there were unauthorized deposits a total of {$9000.00} and unauthorizes XXXX transactions made under my account. A total of {$4800.00} were transferred to contacts that I've never interacted in the past and that I do not know ; contacts were : XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of this XXXX transactions. 

My bank is aware of this case, but they can not proceed and refund me my money because the transactions were made through XXXX. 
My Checking account is currently negative - {$1300.00} My Savings account is currently negative - {$1000.00}

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 explanation
Consumer complaint received 2023-02-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} 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 2023-02-27 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: NY

Complaint narrative:
All my credit cards gave a XXXX balance. But, incorrect balance reported.

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 2023-02-27 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: NY

Complaint narrative:
All my credit cards gave a XXXX balance. But, incorrect balance reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's reported a late payment to Credit Bureau even though I've been on auto-pay for the post 10yrs+. 

Called multiple time and getting the run-around.

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 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union ( NFCU ) has informed me that I was denied for a loan due to the fact there was a previous credit card charge off that was paid in full. However, I have no knowledge of such a credit card. This credit card dates back to either XXXX or XXXX. Currently, NFCU utilizes XXXX to view customers credit reports. However, there is no report of such an account on my credit report. Also NFCU has this charged-off account listed on my internal NFCU profile XXXX which is utilized to determine me for future loans with the bank. It has been well over XXXX ( XXXX ) years, and this account is still being utilized to determine my eligibility for future loans with the bank. I have also launched a fraud claim with NFCU, as this is an unknown account to me. The account that is associated with NFCU is for a XXXX Rewards Mastercard dating back to either XXXX or XXXX. 

NFCU has informed me personally that they are maintaining this information within my NFCU profile, due to the fact this information is being obtain from XXXX. The issue I am having is that this information within their internal system from an account that is over XXXX XXXX XXXX and is being pulled from XXXX Credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I tried calling the company numerous times, in which, there should be a record of. The company is refusing to close my checking 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 2023-02-28 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: NY

Complaint narrative:
All three credit bureaus are not reporting on time and ignoring my letters, XXXX if not all credit information is reported 120 days late no change in accurate information, reporting duplicate late reporting incorrect name, spelling and addresses wrong debt owed not deleting debt owed after 10 years

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 2023-02-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am currently under COVID forbearance. I was given 18 months but now I am being told that no and it ends at the end of XXXX. I was also told by XXXX XXXX XXXX that I would be able to defer my mortgage and if I am still under hardship they can lower my monthly mortgage. 

I have a relative who went through the same process and they were able to do exactly what XXXX offered me except they use another mortgage company. My relative paid {$1200.00} and was able to reduce to {$900.00} 's. 

I am now under Shellpoint Mortgage as it was sold to them. I was also told that XXXX is under NewRez in which Shellpoint is also under NewRez and they can not understand why that happened. I am being told I can either defer or modify. But the modification is only less {$50.00}. My single case agreement XXXX I am assigned to in the office doesn't seem to care to help. My conventional loan is issued by XXXX XXXX. I underwent through hardship due to COVID and then hurricane did affect my husbands job. He was currently let go due to layoff and wasn't rehired. So, its been a struggle back and forth. I do not want to lose my home and would like to have something worked out. I do understand that the forbearance may not be honored anymore in which I would like my forbearance amount to be deferred and if possible based on some articles I read my term to be extended to lower my monthly payments to help me stay in my home. 

I understand that they can do that and also reduce interest rate and/or principal along with the term extension to help out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Around XXXX of 2022 a debt was accrued in my name due to identity theft from this company. I have tried several times to get this taken care of and figure out what happened, yet all I receive is is the message that someone will reach out to me and that the debt has been verified. I sent a dispute letter a month ago for this company to provide me proof of validation of this debt and I still havent received anything and these accounts still havent been removed. Not only are these accounts not mine they are also reporting inaccurate on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: FL

Complaint narrative:
XXXX XXXX reported a late payment to Credit Bureau even though I've been on auto-pay for the post 10yrs+. 

Called multiple time and getting the run-around.

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 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I contacted Portfolio Recovery Associates on XX/XX/2022 by US Postal certified mail. I requested proof of a written contract with contractual obligation between myself ( with my signature ) & Portfolio Recovery Associates, and to date have not received it. Portfolio Recovery Associates is reporting to 3 major credit bureaus that I own them {$670.00}, and that is inaccurate. The certified letter is attached & US Postal Service receipt attached also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX  services account # XXXX, and XXXX XXXX XXXX XXXX account # XXXX have violated my rights 15 u.s.c 1681 section 602 A States I have a right to privacy. 15 u.s.c. 1681 section 604 A Section 2.It also states a consumer reporting agency can not furnish an account without my written consent 15 u.s.c.

1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than the record of convictions of crimes which antedates the report by more than seven years. 15u.s.c. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information reating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC
State: OR

Complaint narrative:
Carvana forced me to give them my social security number and XXXX. XXXX says that's a credit card and XXXX says they can't ask me for that and since they broke the law getting it they are also committing credit card fraud because they used it to fleece my trust and since they took the money funds and didn't give me any binafits that's another crime. And I told them all of this over and over so ignorance is no excuse. I informed them of a list of laws and codes they where breaking several times. I have copies of our chat to prove it. I'll give you a list of a few.

15usc1602 15usc1662b 12cfr1002regb 12cfr1002.7 42usc408 15usc1691e 15usc1605 12usc4131 15usc1691e 15usc1679aand2 15usc1601 15usc1611 For starters. I need something done about this. I have signed contracts with them and the deal was done on more than one deal and they just cansle it and act like they never heard of me. Well I got the proof. And I need action taking to remedy the damages they have created. The same goes for XXXX XXXXXXXX and XXXX XXXX  and XXXX XXXX XXXX I was pre approved through XXXX XXXX  and now they are ghosting me so they are all screwing me and have no regard to the law. I have told them all over and over what their doing and they just treat me like XXXX. As the creditor remedy must be Givin. They all got rich off my trust and I'm left with nothing. Not ok. Not one has Givin me a list of diciding factors on why my limitless credit isn't good enough to give me what I need but it's good enough for them to fleece my trust and git rich. It's fraud and theft and since they gave me the ap and took responsibility as my trustee they need to go to prison. They all owe me millions. Please help bring these criminals to justice thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EdFinancial Services
State: KY

Complaint narrative:
I received a letter in XXXX XXXX from XXXX XXXX XXXX who claimed to be a student debt relief party that could forgive and/or consolidate student debt. I called the number on the letter and they explained the student loans get transferred to them into one loan and I pay them going forward. I entered the agreement on XXXX XXXX, XXXX. It was a fee of 2 {$390.00} payments and then {$39.00} every month for 240 months, which I have been paying through ACH transferred with my bank. The document has my personal information and bank account and routing on it. So they have my identity and access to my funds. I caught on because my loans are still provided by EdFinancial and have never been transferred and all these payments I have made for TWO YEARS are NOT in the EdFinacial payment history. The website, phone number, and email on the document is totally fake they dont connect to any domain, service or webpage. I called them at the number theyve been calling me and obviously tried to tell me they are not a scam but they can close my account immediately, which a real student loan provider can not just close your loans immediately. I have lost almost {$1700.00} to this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights privacy and confidentiality under 15 USC 1681 XXXX XXXX : Act # XXXX XXXX XXXX  and XXXX  Act # XXXX XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX XXXX XXXXXXXX XXXX  ( Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX  ) aCT # XXXX 15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy 15 U.S.C 1681 SECTION 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I tried to get my three free annual credit reports and files today several times ( XXXX XXXX ) on annualcreditreport.com and was denied to receive them. I need them sent to the address I have on file at CFPB website 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 explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
In the letter from SPS of CFPB complain # XXXX SPS # XXXX. In your inquiry, you requested an escrow refund. Our review found that SPS has not yet received the tax refund from the taxing authority for the incorrect parcel that was being tracked. 
Customer # XXXX. We dont understand about tax refund from the taxing authority. We contacted XXXX XXXX tax department. They said they got only one tax payment in XX/XX/XXXX. And your company also provide only one receipt for this ( tax period : XX/XX/XXXX, to XX/XX/XXXX ). Therefore, we can not understand why your company keeps saying not yet received the tax refund from the taxing authority. To prove your comment, provide two different receipts for tax payment for XXXX. And, this issue was coming from your company fault, not our fault. I have always paid in time with your company statements without any delay. 

SPS # XXXX On XX/XX/XXXX, SPS followed up with the tax agency for the status of the refund. Once the refund in the amount of {$7800.00} is received, funds will be applied to escrow, and you may then request to have any overages refunded to you. 
Customer # XXXX. Since We have requested the refund of two times escrow charges, we have investigated the documents precisely and contacted your company and XXXX XXXX department so many times, even we can not count it. Despite our countless efforts to fix this problem, we still didnt get the exact date and information when it will be fixed or when we can get the refund. Please, provide the date when your company fix this problem. We have a severe pain with this monthly payment now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
Today, XXXX XXXX, I have spent almost an hour today trying to find out where our {$30000.00} overpayment is. I have spoken to three different agents via chat ( XXXX, XXXX and XXXX ) plus an agent at XXXX XXXX. 

Here is what happened : At approximately XXXX on XXXX XXXX, I requested the payoff for our loan. We only owed {$270.00}, XXXX ( approx. ). Up to that point we had paid the following : XXXX XXXX : {$30000.00} XXXX XXXX : {$30000.00} XXXX XXXX : {$30000.00} XXXX XXXX : {$30000.00} Total : {$120000.00} XXXX XXXX : {$50000.00} XXXX XXXX : {$50000.00} XXXX XXXX : {$50000.00} Total : {$150000.00} Grand Total : {$270000.00} We received the payoff amount ( approx. {$2200.00} ) and wired the money that morning. 

However, another {$30000.00} payment was made.either by me or by Flagstar pulling the funds ( possibly unauthorized ) on XXXX XXXX. I can't tell from either bank what happened. Either way, we overpaid by {$30000.00}. When I called on XXXX XXXX, a XXXX XXXX case ( # XXXX ) was opened. On XXXX XXXX I received an email from Flagstar telling me that the case was closed.with no mention on how it was closed. I went into the loan information and saw Reversal in regards to the {$30000.00} overage. 

I then called XXXX XXXX and spoke to XXXX, where the money should have been re-deposited and there have been no pending transactions. XXXX XXXX apparently thought the reversal was a request for payment and told Flagstar that there were 'no sufficient funds ' ( NSF ). Of course there were NSF because the {$30000.00} had already been pulled by Flagstar. 

I then called Flagstar back and was asked to provide a bank statement PROVING that the money had been removed from the XXXX XXXX account! Even Flagstar 's own Transaction Activity shows that the {$30000.00} was posted to the mortgage loan and was 'unapplied '. 

Their account activity ( which I have ) also shows that a grand total of approx. {$300000.00} was paid. So this shows that they actually had the overpayment of {$30000.00}. I don't know why I had to prove that the money was removed from XXXX XXXX. 

I have read other reviews of this company and how it takes months to get money returned to people.

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 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NE

Complaint narrative:
On XX/XX/2023, I found out that my Discover Credit Card Account was closed without my knowledge. I learned this information after seeing a drop in my credit score. I contacted Discover to inquire why my account was closed without my knowledge. Discover reported it was due to inactivity. I never received any notice of that. Discovered noted a letter was mailed. They also noted a email was sent. Neither of which I knew about. They confirmed that they never attempted a phone call, although, it is the preferred method of contact. The major concern is the negative impact to my credit. In addition, the account has been open for approximately 9 years. I have never missed a payment, I have always been in good standing, in fact, there is a minor credit on my account due to overpayment. I have contacted Discover several times and escalated it. Each time their response is sorry, nothing we can do. The account was closed late XXXX. Discover noted that they sent notice in XXXX.

Company response to consumer: Closed with explanation