vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX. 
XXXX I have reached XXXX XXXX Credit dept and all XXXX credits bureau to remove the delinquent filed by XXXX XXXX XXXX of XXXX, after the account was paid for bogus interests. 

Here 's the scenario, XXXX XXXX purchased XXXX XXXX XXXX XXXX Card. XX/XX/XXXX, I paid the entire balance in full with a due date of XX/XX/XXXX. I always paid my store account XXXX XXXX XXXXXXXX in full and had no issued. 

I was told by XXXX XXXX customer service, because I did not contact them for a payoff after the balance paid I owed interests from XX/XX/XXXX to XX/XX/XXXX in the amount of {$34.00}. 
XXXX XXXX did not attempt to reach me by phone, or my current address. 

First notice received on XX/XX/XXXX contacted XXXX XXXX and paid the amount due on XX/XX/XXXX. XXXX XXXX file delinquency on XX/XX/XXXX and refused to remove it from my credit history. 

I have exhausted all avenues to resolve this issue. XXXX XXXX report is incorrect as there was no balance due on my XXXXXXXX XXXX XXXXXXXX account. XXXX XXXX added an additional interests daily to a XXXX balance account and refused to return the money or remove the incorrect information on my report. 
I am unable to refinance my home because of this delinquent on my credit history. I worked hard to keep my credit current, now due to the greed of XXXX XXXX my credit has been tarnished for seven 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 explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Good afternoon, I am wishing to file a complaint against Frost Bank, located at XXXX XXXX XXXX XXXX XXXX, in XXXX, TX XXXX for unfair banking practices and under the Fair Housing Act of XXXX Earlier this day, I came into the Frost Bank location ( address listed above ) to open a checking and savings account for myself, XXXX old and to establish a new community financial institution for security of my funds and much more. Upon entering the location, I was told to wait, and was pointed to sit in a conference room and wait to be seen. After 30 minutes or so, I was greeted by a representative ( who did not offer to move us to a private office ) but asked for several pieces of identifying information which I provided. After hearing some mumbling between her and another colleague, she returned to me and said, " Unfortunately, we can not open an account here for you. We did not run a credit check, but we use a XXXX, and your score was a little lower than what we accept. '' I asked her, " How is that possible. I've never owed anyone, my credit score is well above average, and all of my banking accounts are with XXXX XXXX. '' She didn't respond, she just nodded her head, as I was speaking and smiled. '' Before leaving, she did not offer any resolution, and no information was given to me to investigate this matter further. Not only was this unfair, but having my son with me, to see how to open an account, and I had no explanation for him, was even more disheartening and embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, dba XXXX has attempted to collect a debt I do not owe on behalf of XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. Today, XXXX XXXX XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( 780+, 800+ ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. Again, my attorney has sent XXXX XXXX XXXX certified letters several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a XXXX speaker system, cleaning fees, etc. which were are fees that I do not owe. I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. I've also attached my FICO scores to include XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. As you can see, my XXXX FICO XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX FICO score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX 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 an 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 or Any other adverse item of information, other than records of convictions 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 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I bank with XXXX XXXX XXXX XXXX ( XXXX ). 
I had written a check ( check # XXXX ) for {$6000.00} dated XX/XX/2023 to a counterparty who banks with Bank of America ( BoA ). 
This check was deposited by the counterparty on XX/XX/2023 at the BoA branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
BoA presented this check twice ( first on XX/XX/XXXX by referencing an erroneous check number XXXX and then again on XX/XX/XXXX referencing the correct check number XXXX ). 
XXXX reversed the duplicate payment on XX/XX/2023 and claims that the counterparty should have received XXXX of the check deposits since XXXX reversed the duplicate. 
However, the counterparty 's account has not been credited for this check and BoA claims that they have no evidence of receiving duplicate funds for this check in order to credit the counterparty 's account inspite of BoA providing a copy of the returned check to the counterparty with reason for return marked as " DUPLICATE ''. 
Both banks are pointing fingers at each other for this error an taking no accountability. 
Both myself and the counterparty have made multiple in person trips to BoA 's XXXX branch to resolve the matter and have had multiple phone calls with XXXX but we get the run around with no resolution insight. 
Essentially, {$6000.00} ( related to check XXXX ) has been taken out of my checking account for which the counterparty has not been credited. 

Attachments : ( 1 ) Email from XXXX stating this is a BoA issue. 
( 2 ) XXXX and XXXX reports provided by XXXX showing duplicate payments and XXXX return. 
( XXXX ) Counterparty bank statement provided by BoA showing no credit of {$6000.00} for check XXXX against counterparty 's account- refer to line items in parenthesis. Please note that the statement also shows {$6000.00} dated XX/XX/2023 which is on hold. However, that deposit is for a different check for the same amount and is unrelated to this issue. 
Letter received by counterparty from BoA indicating return check XXXX for return reason " 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 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I had to claim XXXX  XXXX just so Wells Fargo could not take my home. I am still in XXXX XXXX. They did modify me but my payment did not change. It was just a way for them to charge me all the late fees. I never got any settlement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back in XXXX I tried desperately to save my family 's home and ended up losing it along with my marriage. 

I was stricken with anxiety and my whole life collapsed because Wells Fargo refused to allow me to 1 ) short sale my home and 2 ) refused to answer any of my letters and refused to allow me to save my home. I sent them all documents showing I was employed and was trying to save my home before they ultimately foreclosed my home. I worked tirelessly with XXXX and the Courts to show them WellsFargo illegally took my home from right under me. Of course, taking a " Big Bank '' to court was futile and I lost all of my money and retirement money trying to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo opened accounts without my approval.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo keeps increasing the interest rate on us. As a result, they collected more {$60.00} on illegal rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: TrueAccord Corp.
State: PA

Complaint narrative:
Delete old accounts on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I uploaded a completed XXXX XXXX XXXX XXXX XXXX XXXX Netnet XXXX XXXX. I received a notification that Nelnet had received the loan forgiveness application and would take XXXX days to complete the request. 

I received a letter from Nelnet dated XX/XX/XXXX that my loan forgiveness application was materially complete had been forwarded to the Department of Education for their review. In the beginning of XX/XX/XXXX I received a second letter from Nelnet dated XXXX XXXX stating I needed to resubmit my application. 

To recap I submitted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and received XXXX different replies from Nelnet to this XXXX submission. The first reply found no problems with my application submission and forwarded my application to the Department of Education while the second reply stated my application needed to be resubmitted and my application is on hold at Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX 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 an 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 or Any other adverse item of information, other than records of convictions 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 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 2023-01-20 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: AZ

Complaint narrative:
On XX/XX/XXXX - I received notification of an account entering collection by XXXX XXXX. I canceled service in XXXX after getting XXXX and was not notified an outstanding balance. 

On XX/XX/XXXX, I called XXXX, disputed the debt as inaccurate and called XXXX who corrected the billing on my account, acknowledge that an attempt to collect was never made. I paid the balance as agreed and I was told XXXX would recall the debt I filed an initial complaint on XX/XX/XXXX I heard nothing for days. I called XXXX on XX/XX/XXXX who advised to wait for a response and that it appear paid in full on the credit. 


On XX/XX/XXXX, XXXX XXXX XXXX services responded saying that it will remain on my report despite assurances from XXXX staff that it will be removed. 

Again, I was never notified of an outstanding balance nor was properly notified of an account that was being sent to collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CT

Complaint narrative:
ENHANCED RECOVERY has listed on my credit report, the following information : Sprint with the Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$910.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$910.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$910.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX. 

I have disputed this several times and have had it removed and they continually keep putting it back on my report with a new dates. I have an open an active account with XXXX Acct # XXXX who now owns XXXX and this is the only account that I have or have ever had. I never opened an account with XXXX and any that states otherwise is completely fraudulent. I need Enhanced Recovery to cease from adding this to my account after disputing this and having it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: DISCOVER BANK
State: AZ

Complaint narrative:
Discover is not accepting my request for deletion and are not acknowledging Arizona 's Statutory limits. They are also going against Arizona 's Usury law of 10 %. The original debt was {$200.00} and is now {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Co-signed a lease to start XX/XX/XXXX at XXXX XXXX in XXXX XXXX, Tx XX/XX/XXXX Gave 30 day notice of lease termination XX/XX/XXXX Amended notice of termination notice to 60 days as required by lease XX/XX/XXXX Keys were returned via XXXX and apartment was vacated- have proof of del. 
XX/XX/XXXX Received text from XXXX XXXX  asking if keys were returned XX/XX/XXXX XXXX from XXXXXXXX XXXX sent text back stating that she did receive keys XX/XX/XXXX Was turned over to Columbia Dept Recovery LLC - DBA Genesis collection agency stating that I owed money to XXXX XXXX because we moved out on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I called Wells Fargo mortgage department to get my elderly, XXXX fathers mortgage PMI removed as his remaining balance is about 63.5 % of original LTV on his HARP 2.0 refi. Wells declined, stating the amortized date for him to hit 78 % is in XXXX of XXXX. He has been below the automatic 78 % removal cutoff for about XXXX years and is STILL paying PMI. I was sent to their escalations department and all we are getting is a letter stating details of the HARP PMI signed in XX/XX/XXXX for the refi on the 25 year loan. Not only is this not in accordance with the HPA of 1998, it is against XXXX XXXX own guidelines and is obviously predatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
The amont that is posted is not my wrong doing and Ive been cancelled the account when its was at XXXX and stated that I could pay the amount at the moment too avoid this problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: UT

Complaint narrative:
I have a Cash App account and opened a family account for my minor child. For some reason my childs account was deactivated and they were not able to access their {$85.00}. When contacting support they were told that I ( the account holder ) needed to contact them. I contacted them on XXXX and was told that I had to send in proof of residency. I uploaded that information on XXXX  and then I was told that my case was escalated to the appropriate team. They said that I would be emailed with an update. Since then I have contacted them numerous times ( XXXX XXXX XXXX XXXX XXXX XXXX and just get told the same thing, that I need to be patient and that my case has been escalated to the appropriate team. That I would be contacted in 10 days but as you can see it has been well over the 10 days and is fast approaching 30 days with no contact or update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: TN

Complaint narrative:
My information might have been impacted by the Transunion data breach and may have got into the hands of the wrong person.

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