vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
To whom it may concern, My wife and I were trying to do a loan modification with our lender, Schools first Federal Credit Union, after receiving forbearance. My wife was laid off and we were getting behind on our payments. We still are behind on our payments and last year when we reached out to Schools First we believed that the Loan Modification was going through the process. Well come to find out all that Schools First did was defer the payments. When we talked to our lender and mentioned to them that we really wanted to do the modification so we can lower our payments. Schools first told us to start the process all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with customer service over fraudulent charges to my account. They said it had been filed and I would need to go to the branch. I went to the local branch and the assistant bank manager ( whose name I can not remember ) said they had indeed filed the dispute but they missed on transaction so she filed the dispute on the XXXX charge. I asked when I spoke to customer service about my incoming deposit on the XXXX and was assured that I would be able to get the deposit out. I also asked the assistant bank manager who told me that I would be able to get the deposit as well. On the morning of the XXXX, I called the bank to make sure that I would be able to get the deposit and was told that the original dispute by customer service was never done and the over {$1400.00} I had in my account at that time was taken and applied towards the negative balance. I was also told that the deposit that I was assured I could get was also taken and applied to the negative balance. I had to refile the dispute on the 7 transactions of fraud again since it was never done to start with. The last lady I spoke to said she talked with another department to " try '' to expedite a refund of the over {$1800.00} deposit but it would take 24-48 hours before I would know anything. This isn't the first time I have had to change my debit card because of fraud. I have to change it ever 3-6 months because of their laxed security. They have put my family in a financial bind and we are at risk of losing everything because of this. I spent XXXX hours on the phone with the bank and nothing has been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have been a victim of identity theft, since my social security was compromised, so I'm sending this complaint because of fraud item s on my report. I'm not using any third party for this matter and represent myself by myself.

I have filed FTC report for hard inquirers that I have never authorized.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX these items above should be removed from my report 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 2023-02-15 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:
THE XXXX ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT DOES NOT BELONG TO ME. I NEVER REQUESTED THIS ACCOUNT TO BE OPENED. SOMEONE STOLE MY INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE XXXX ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT DOES NOT BELONG TO ME. I NEVER REQUESTED THIS ACCOUNT TO BE OPENED. SOMEONE STOLE MY INFORMATION AND OPENED THIS FRAUDULENT 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 2023-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We had our Wells Fargo ( WF ) checking and savings accounts hacked by scammers. We first reported the transactions to WF and they investigated the issues and returned our monies. At no time did they change our accounts or have us update the passwords. In 6 weeks time this issue happened again wiping us out again. I reported it again to WF and this time upon their direction all accounts were reissued and new usernames and passwords were completed. However, in receiving no direction as to the current investigation conducted by WF did they return the money. According to them I completed this, which I never did commit this heinous act. The scammers had full access to our accounts. No matter what I did the money was taken out of our account. WF has yet to provide any information about who or where the money has gone. I can not get anywhere with WF and they refuse to return our hard earned money. The amount that was stolen from us is {$22000.00} USD. There is sever security issues with WF and they can not provide consumers with safe and secure protections of hard earned money. This has been an ongoing issue for over 2 years now. The courts have recognized the errors committed by WF and have since ordered WF to make restitution to consumers. All if the transactions were made via XXXX and wire transfers. As soon as we observed the transactions via online banking I would immediately phone WF fraud dept. These calls were to no avail, as they always fail the consumer and side with the scammer. I was never given any information as to who or where the money went to, I would be told that is proprietary information, and they can't release it.

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 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I received a call in XXXXXXXX XXXX XXXXXXXX stating that my Chase Saphhire XXXX card was past due. I told them it was a mistake because I hadn't made any charges and I hadn't received an email stating I had a payment due. They looked over my account, and my partner had used the card without my knowledge. I did not receive an email stating a payment was due. The phone call was the first notification I had. I paid the full amount on the card on the phone that minute. The representative waived the late fee because I haven't had late payments or issues on my account. They assured me that everything was fine and my account was completely paid off. On Saturday, the XXXXXXXX XXXX XXXXXXXX, XXXX, I was working with a loan representative and was notified there was a 30-day late notice on my credit report. I immediately called Chase and explained I had talked to someone in XXXX and paid the bill immediately. I told them the representative assured me everything was fine because of my excellent history. The representative tried to connect me to the Credit Bureau Department. Because it was Saturday, they were closed. I called back on Tuesday, XX/XX/XXXX, and was told by XXXX in the Credit Bureau Department that they make XXXX exceptions with credit bureau reports. The payment was 38 days late, which is 8 days past the reporting time. I explained the situation to him, and he said it didn't matter. I asked for a supervisor, and he stated he was a supervisor. He was very rude, offered no help, no suggestions, no directions on where I could go from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Early Warning Services, LLC
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Early Warning Services, LLC
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
The Mortgage provide Shellpoint is illegally/ intentionally bankrupting consumer I bought an investment property in Michigan , and I was informed that there was a XXXX XXXX on the property due to my tenants ' misbehave. I have retained an attorney immediately and informed the bank the XXXX XXXX is being removed ( please see attachment ) Then the bank has charged me many months of " litigation fee '' in sum of {$6800.00} without explanation. They continue to post " litigation fee '' on my account even after the XXXX XXXX was removed. Now I am forced to sell the property because I can not afford to make payments. The house has been under contracted and the TITLE SEARCH came back clean, yet the bank continues to charge me " litigation fee '' not to mention that my own attorney has taken care this matter months ago.

I am attaching the Release letter, clean title search, contract of sale of the property. Theres were another 2 houses involved in the incident, the other parties bank did not even charge a penny for such event, given the fact that the owners are also the victims of the incident and have retained attorney at their own cost.

Please have shellpoint explain 1 ) the break down of the litigation fee 2 ) what was done on the bank end to solve this matter 3 ) i am attaching everything my attorney has done, and the release letter he resolved 4 ) why do Shellpoint continue to charge " litigation fee '' even after the title is clear?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
Date of services XXXX at XXXX XXXX at XXXX XXXX. My insurance was billed and radiology partners/singleton associates alleged mailing me a statement for {$260.00} that I never received due to mailing statement to the wrong address. I paid all other services I received from other entities, but never received anything from singleton associates. XX/XX/2022 I received a letter from the law offices of XXXX XXXX XXXX, debt collectors. I attempted to call and find out more information- since I am a victim of fraud and identity theft - I requested proof of alleged debt. They sent me a vague statement with wrong address and I called and spoke with two individuals that were rude and accusatory- I hung up due to conversation was not going no where- they didnt want any explanation, they wanted to bully me into paying debt. I called singleton associates directly to explain situation numerous times and was told by many employees that my situation was documented and I would receive either a phone call, email or correspondence in the mail. Ive Never received any correspondence of any kind from anyone to reach resolution. 
I placed a complaint with XXXX  and singleton associates avoided resolution. Meanwhile, law offices of XXXX XXXX XXXX has sent a derogatory message/comment on me and my husbands credit report. I would appreciate any assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 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: MI

Complaint narrative:
There are accounts on my credit report which do no belong to me. I contacted the credit bureaus report this incorrect information and made an identity thief report. I did not include the report in the letter I sent but listed the accounts in which I did not recognize.I also put a freeze on my account to be notified if anyone tries to use my information.

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 2023-02-15 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: IL

Complaint narrative:
Please see the attached documentation. XXXX XXXXXXXX XXXX has systematically and unethically continued to attempt to extort money from me by violating my rights including : unfair and inaccurate reporting to credit bureaus, attempting to extort money by negative reporting incorrect information to agencies, attempting to add exorbitant additional fees after the fact of {$6400.00} ( house closing and payoff as of XX/XX/XXXX, court case dismissed as of XX/XX/XXXX ), charging exorbitant and unethical fees ( including a one month XXXX % fee of {$3000.00} ), etc.. The loan is paid in full and I have NO CONTRACT, NO STATEMENTS/DOCUMENTATION FROM XXXX XXXX XXXX XXXX 
PLEASE INVESTIGATE XXXX XXXX XXXX, FDIC CERT # XXXX, COLLECTION AND FEE PRACTICES.

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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please see the attached documentation. XXXX XXXX XXXX has systematically and unethically continued to attempt to extort money from me by violating my rights including : unfair and inaccurate reporting to credit bureaus, attempting to extort money by negative reporting incorrect information to agencies, attempting to add exorbitant additional fees after the fact of {$6400.00} ( house closing and payoff as of XX/XX/XXXX, court case dismissed as of XX/XX/XXXX ), charging exorbitant and unethical fees ( including a one month XXXX % fee of {$3000.00} ), etc.. The loan is paid in full and I have NO CONTRACT, NO STATEMENTS/DOCUMENTATION FROM XXXX XXXX XXXX XXXX 
PLEASE INVESTIGATE XXXX XXXX XXXX  FDIC CERT # XXXX, COLLECTION AND FEE PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please see the attached documentatioXXXX XXXX XXXX XXXX has systematically and unethically continued to attempt to extort money from me by violating my rights including : unfair and inaccurate reporting to credit bureaus, attempting to extort money by negative reporting incorrect information to agencies, attempting to add exorbitant additional fees after the fact of {$6400.00} ( house closing and payoff as of XX/XX/XXXX, court case dismissed as of XX/XX/XXXX ), charging exorbitant and unethical fees ( including a one month XXXX % fee of {$3000.00} ), etc.. The loan is paid in full and I have NO CONTRACT, NO STATEMENTS/DOCUMENTATION FROM XXXX XXXX XXXX XXXX 
PLEASE INVESTIGATE XXXX XXXX XXXX, FDIC CERT # XXXX, COLLECTION AND FEE PRACTICES.

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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NV

Complaint narrative:
I had applied for a loan using XXXX XXXX, I got approved and when I try to use the card it was unable to be use, the debit card so I reach out to the credit karma bank to figure out why my account is locked and I can't use my available balance, they said I would need to send proof that this account belongs too Me.which was strange because this is my XXXX XXXX  refund ..account which I Have use XXXX XXXX for over 10 years I usually do a direct deposit using my personal bank account but XXXX XXXX make u deposit it on the credit karma card who won't allow you too use the money .it 's been over 3 weeks and my account is still locked and they keep sending me this same email that my account is under review and they can not and will not release my funds until.They feel like it after I submitted all of the requested documents my us passport my Bank statement and my light bill they .have done this in the pass to other people and never release there money at all my tax return will be deposited into this account as well that money they are holding is half of my tax refund I have call them over 30 times and email them 50 times to get the same responds absolutely nothing I contract the Irs they stated it's nothing they can do .I would need to wait on a resolution From credit karma money account I even asked if they would close my account send Money in.a form.of a check they have know right to hold my refund it's my Money and there card I don't have to use there card Send me my refund in.a form.of a check they entire amount they saying they can't close my account out since it a issue in there security department which I have submitted all forms of proof they will not Give me in additional information and my funds are there but I can't use not a penny of it they are breaking the law they don't have a right to Freeze any payments from your tax return they are not they irs and not sending you your tax money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I took out a loan from XXXX XXXX XXXX for my furnace. I missed 1 payment on this loan in the 2 years I had it ... and paid that in under 30 days. However, they continued to claim I missed the payments passed the 30 day period. I have since paid off the entirety of this loan and they have yet to report this payment, which would increase my credit score. I need help on my credit score ASAP... they have destroyed my credit score number with their inaccurate statement of neglected payments.

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 2023-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I do not know these people who they are or what they want. My debts are all paid or on time and the one which someone ran up without my permisssion and i decided to settle it. It had has been settled byXXXX as of XXXX 2023. I have gotten a phone call that I answered and they wanted a relative ( niece ) who I do not have contact with. I have no outstanding debts that are late or any negative debts.

Company response to consumer: Closed with non-monetary relief