vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a collection account on my credit report from XXXX XXXX XXXX which lists XXXX XXXX  as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. It is also important to note that the account number on my credit report is not an accurate account number further violating FCRA regulations. I will need to see the original contract bearing my signature because my information was compromised in the Equifax data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the Equifax data breach claim when I have already provided my claim number, then please contact the collection agency and Equifax, and have them remove this account due to inaccurate reporting. If this information is not removed within 30 days, XXXX XXXX  has the possibility of being taken to small claims court per violation of the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
XXXX I Called Mariner Finance To Lower Payments I also asked for a settlement theyve denied me both theyre saying I owe XXXX but I only owe XXXX it shows on my credit history that I only owe XXXX theyve charged the loan off as bad credit but theyre still sending late payments to my credit report theyve been very disrespectful to me settling this loan out I really want to pay it so it gets off my credit they send late payment every month Ive called The XXXX XXXX XXXX and XXXX they will not work with me at all on resolving this they keep making my account balance go up with the late payments every month which is making my credit score go down every month they will not help me regarding this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My account appears to be locked and I am unable to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
This company is a third party debt buyer that purchased " Uncollectable Debt ''. The originator, XXXXXXXX XXXX XXXX, violated the TCPA and fair debt collection practices, and was sent a demand for validation of debt. The originator, XXXXXXXX XXXX XXXXXXXX, failed to validate the debt in a timely manner and pursuant to Federal laws and regulations, the became No Longer allowed to collect, report, or bring litigation as a result of their own failure 's. The third party collector or debt purchaser has obtained " uncollectable debt '' as a result of the originators failures, and does NOT become collectable just because it is is new hands. 

I Demand that any and all derogatory information be removed from my trade lines immediately as the collector has NO legal grounds to report or collect any debt from myself. I intend to bring litigation against both collector and originator if the matter is not resolved in accordance of Federal Laws and regulations regarding a creditors failure to validate a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: LA

Complaint narrative:
In XXXX XXXX XXXX I contacted discover card to confirm that my auto pay was canceled. it was confirmed by the wreck as well as my app that it was canceled. a few days later out anyway through auto pay. I contacted them and they refunded me the {$200.00} that was not supposed to come out. I recently wanted to confirm again that it would not be coming out after I spoke to a rep in the executive office in reference to making sure this didn't happen again. we confirmed it I have an email that shows that it was done. however, another autopay payment went through again in same amount of {$200.00}. 
In addition to recent mishandling of my trust. I have no choice be to file complaint here and with Office of Attorney Generals office. I don't trust Discover anymore. They also allowed for a debt transfer check to be used without any security measure for identity theft that took place last year. 
I make 2 substantial payments a month to get debt paid off. It's is disgraceful how greedy Discover is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I fell victim to a XXXX scam on XX/XX/XXXXXXXX A tree fell on my family 's house, and we were working with a contractor we did not know to clear it. After he left with checks, he began e-mailing that he could not cash them, and asked if we could pay via XXXX. This was because the real contractor 's e-mail had been hacked. We lost {$3500.00} to this scam. 

We realized we'd been scammed on XXXX XXXX, and immediately contacting Bank of America. We also filed a police report that day. 

On XX/XX/XXXXXXXX Bank of America notified me via letter and e-mail that they could not cover the claim. 

My understanding is that under Regulation E of the Electronic Fund Transfer Act, Bank of America does have to cover the claim because the transaction was obtained fraudulently.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
Hello, My identity was stolen, their was incorrect address on my credit report that Ive never lived at I lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My parents do everything for me. I dont own a XXXX I XXXX XXXX, let alone have a XXXX  card, there is a XXXX  card and XXXX  loan thats in my name. That I have no knowledge of, when I went to file a police report I got turned down because I didnt have the information thats on the accounts but I dont know the information thats on the account and I tried to get them Over the phone with the companies but had no luck, Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
As of XX/XX/XXXX the principal for my loan was {$4600.00} the escrow balance was {$4300.00}. 
Due to a family illness, I was unaware of Rushmores intention to place my house into foreclosure. When I became aware of the foreclosure status, I was asked to pay XXXX to relieve the foreclosure. My principal balance at the time was {$4600.00}. 
{$4600.00} principal bal XX/XX/ {$4300.00} escrow balance XX/XX/ {$7000.00} payoff foreclosure as stated by Rushmore agent XX/XX/ {$2400.00} ( {$7000.00} - {$4600.00} = {$2400.00} ) over payment of capital {$6700.00} ( {$4300.00} + {$2400.00} = {$6700.00} ) Amount to due to XXXX According to my records displayed above Rushmore owes me {$6700.00} any fees deducted from this amount has not been disclosed. I have been waiting over 90 days since the date the wire has been sent to pay off the loan. I have made several long and time-consuming phone calls to Rushmore and continue to hear incorrect information and unreasonable excuses as why this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I pulled my credit report and found numerous credit inquiries that i didnt make. My report has multiple versions of my name and multiple out of state addresses. I have lived in XXXX XXXX, Maryland for 20 years at the same address. I will attach documents

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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My wife and I are holders of a MerrillXXXX XXXX credit card administered by Bank of America . We are listed as XXXX XXXX because we spend more than $ XXXX per year using this card. This entitles us to XXXX XXXX up to {$200.00} per year for incidental travel expenses including airline baggage fees. ( See EXHIBIT A : MERRILL XXXX XXXX CREDIT CARD BENEFITS AND REWARDS GUIDE ) ( SEE EXHIBIT B and EXHIBIT C : Website references to the XXXX XXXX ) On XX/XX/XXXX using our credit card, we paid XXXX XXXX XXXX fees each in the amount of {$30.00} totalling {$120.00}. ( SEE EXHIBIT D : Our credit card statement showing the XXXX {$30.00} charges ) Previously during 2023 we had received a credit of {$120.00} for payment of other baggage fees. Therefore, based upon the {$200.00} annual credit limit, we are still entitled to a reimbursement of {$80.00} which we have not received to date. Despite repeated phone calls to various customer service departments within Merrill Lynch and Bank of America, we have still not received our {$80.00} reimbursement. We have been repeatedly directed to different departments each of which continued to direct us elsewhere. We even had one representative say the travel credit program has been discontinued in XXXX even though no notice was ever given and the benefit still appears on the cards website. We went through similar difficulties with the earlier {$120.00} credit mentioned above, necessitating a complaint with your bureau ( Case # XXXX ) which resulted in a payment of {$120.00} to us. We believe that this situation is either fraudulent or is a gross mismanagement of a benefit publicly offered to the Banks MerrillXXXX XXXX XXXX cardholders. We are requesting a correction of this situation and receipt of our {$80.00} credit.

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 2024-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX To CrossCountry Mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Whom this may concern, I am writing to formally the revoke the security interest associated with my Mortgage Account number # XXXX. I, XXXX XXXX XXXX, XXXX the beneficiary of the promissory note linked to this loan. 

Correspondence has been Sent to XXXX XXXX, XXXX Indentured Trustee. As the indentured Trustee of XXXX Mortgage, XXXX XXXX has lawful duties that they must abide by. XXXX XXXX XXXX being the beneficiary, needs XXXX XXXX XXXX XXXX by their lawful duties. According to the securities exchange act of 1934, it is the obligation of the indentured trustee to handle the discharge and cancellation of debts. 

XXXX XXXX, your indentured trustee received my registered securities via registered mail and the record is documented. I am formally instructing you to wire my securities through my Treasury direct Account, where they were intended to be in the first place. 

XXXX Account BANK NAME : XXXX XXXX Number : XXXX Account Number : A - XXXX - XXXX - XXXX I am the beneficiary of the promissory note and I kindly request that you take the lawful steps in Discharging this debt and wiring my securities to me, where they were intended to go in the first place. 

Being that my promissory note is a 0 % certificate of indebtedness, I understand that it is not being registered with the SEC, and that is how the securities fraud is going undetected. 

Please take the necessary steps in revoking your security interest as per my request, wiring my securities through my XXXXXXXX XXXX  Account, and take the lawful steps in Discharging this debt promptly. 

Your prompt attention to this matter is appreciated. Please confirm in writing once the revocation is processed, the securities are successfully wired to the provided XXXX Account and this debt is successfully discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I reached out, via certified mail to the credit bureau, on XX/XX/2023 and XX/XX/2023 regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within four days of receiving the necessary documentation from the consumer. Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. XXXX  v. XXXX XXXX XXXX XXXX  This block must be implemented within four days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. XXXX v. XXXX XXXX XXXX XXXX. If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA XXXX v. 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 2024-01-08 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I am filing a formal complaint against the creditor Nissan regarding the inaccurate and inconsistent reporting of an account on my credit reports. Despite multiple attempts to rectify these errors with both the credit bureaus and Nissan, the issues persist. The account details, as reported by XXXX and XXXX, exhibit discrepancies and inconsistencies that remain unresolved. The account in question is outlined below : XXXX and XXXX report conflicting information for the same account : - XXXX indicates the payment status as 30 days past due, while XXXX states Paid account/was delinquent 60 days past due date. 
- Discrepancies exist within the 2-year payment history, with numerous months showing unreported data. 
- XXXX reports the date closed as XX/XX/2022, but XXXX does not provide a date of closure. 
- XXXX indicates the terms of the installment account as 39 months, while XXXX does not provide any information in this field. 
- There is a discrepancy in the reported high balance : XXXX lists it as {$26000.00}, whereas XXXX reports it as XXXX. 

For your reference, I have enclosed a copy of how the account currently appears on my credit reports as supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
i have been having this dispute going on for months now and its about the company called the real real, i had made a purchase of {$1900.00} on the app the real real. it had came to the day that i was notified about the arrival of my package was through my cellphone, but i came to realization that i have in fact not received anything to my household, i had argued for a week with the merchants support chat about my package, to them in chat confirming and granting a refund process to me due to my missing package on XX/XX/XXXX at exactly XXXX. then they never actually sent me a single penny since them saying that in the support chat, in that case i took this up with the credit card apple chat on XXXX XXXX  to dispute the charge from the real real since they never sent me the package i paid for or the refund they granted me. then barely today XX/XX/XXXX the apple credit company did in fact not grant the refund my dispute. so i reopened the dispute XXXX XXXX XXXX with apple credit and filing it up with you guys.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO MY CREDIT REPORTS. I NEVER RECEIVED XXXX  NOTIFICATIONS IN REGARD TO THE INVESTIGATION RESULTS. I FILED A XXXX  DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO MY CREDIT REPORTS. I NEVER RECEIVED XXXX  NOTIFICATIONS IN REGARD TO THE INVESTIGATION RESULTS. I FILED A XXXX XXXX  DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: PA

Complaint narrative:
These inquiries was created on the listed dates and is not a open account on my credit 15 usc 1681b permissible purposes please send me the documentation that u have use to open these 3 accounts and the documentation with my signature on them that i applied for these accounts 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 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo overdraft fees were excessive and abused common practice stating a one day grace period. Balance inquiries went to far when checks where pending longer than the reasonable amount off time statements failed to represent wire transfer to creditors causing accounts to go into collections, statements showed overdraft fees were applied to items returned unpaid when they where charged or I would have to rely on statements inconclusive after the fact, account was in exclusively narrated to hide the mistakes making the account hard to understand the balance from month to month over the entire year as I waited months being transfered to corporate to bank.at one point being told in an interview that I should bank somewhere else and that I wouldn't ever get my money back Wells Fargo had an answer for everything wrong when they where in the wrong. I have been brushed off with my creditors XXXX notices to have collections come after me. Wells Fargo is a bully and falls short of the practices I banked with them to begin with. I have enough of the record to prove the duplications overdraft fees inquiries and the account closed stoping direct deposits to other accounts being held up this compliant deserves to be on one of the worst experiences I ever had to in counter about {$4000.00} worth if that even touches the time spent and financial ruin.

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