vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Original claim filed on XX/XX/XXXX with XXXX  for inflating interest charges, charging interest to principle only payments, and not applying principle amounts correctly. 
I have been in touch with XXXX XXXX ( Office of the Chairman ) ( XXXX ) XXXX I last sent her some documents on XX/XX/XXXX with questions, and have not heard back from her. I have left several messages for her to contact me, & she is ignoring my calls. 
I have been trying to get this account straightened out since the beginning, and have been getting the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX of Texas. On XXXX went into Bank of America at XXXX XXXX XXXX XXXX XXXX TX XXXX, I ordered wire transfer in the amount of {$21000.00} including service fee of {$45.00} total paid $ XXXXThis wire transfer made to this company by name XXXX, XXXX, Account # XXXX XXXX XXXX XXXX, XXXX XXXX for purchase of stock .XXXX. On XXXX XXXX I filed a claim with Bank of America to recall the wire transfer back claim # XXXX indicated that I believed that I have been scammed .Thereafter Bank of America sent me papers to be signed and also needed all transactions papers pertaining all the communications with the said company. All the texts and emails communication were sent to Bank of America and was confirmed received by the officials. I was informed by Bank of America that it will take 60 business days to finished the investigation. Now the last time I called l was Bank of America that they will not disclose the out come of the investigation, I was told that they could not recover or recall the money. I demanded the information about the scammer company information and I was told before they will not release the information, that I have to get a court order signed by a judge they will before they will release the out come. Bank of America have not officially notified me about their investigation out come .According to the Federal Law and regulation Bank of America supposed to refund me the {$21000.00} back. See Electronics Funds Transfer Act, also called Regulation EXXXX Also see Bureau of Consumer Financial Protection ( XXXX U.S.C 1693 et. seq ) 44.U.S.C 3501 et. seq. and have been assigned XXXX XXXX XXXX. All versions of 12 CFR part 1005 ( Regulation E. XX/XX/XXXX XXXX ( current regulation.

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 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am a Federally protected Consumer. I am initiating this complaint in order to address the unfair, impartial, and inequitable behavior of the consumer reporting agency EXPERIAN in regards to a recent Fraud Alert which was added to my consumer credit profile without my expressed written instruction, consent, or authorization. After providing specific written instructions pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information was authorized to be furnished on my consumer credit report, an agent, authorized representative, or employee of EXPERIAN elected to place a Fraud Alert on my account, and subsequently notified XXXX, and XXXX that a Fraud Alert was requested by the consumer. IT IS A FACT THAT I DID NOT AUTHORIZE A FRAUD ALERT to be placed on the account and I DID NOT PROVIDE ANY PERSONAL STATEMENT regarding a Fraud Alert to be added by EXPERIAN or any other credit reporting agency. EXPERIAN as a repeat offender and violator of the FCRA, continues to habitually demonstrate its disregard and lack of respect of my rights as a consumer by deliberately and willfully failing to comply with its obligations under the FCRA. I have attempted multiple times to address this issue by directly calling the EXPERIAN Fraud Department, however each attempt has been unsuccessful. EXPERIAN as a consumer reporting agency governed by the FCRA has no authority under Federal Law to willfully and deliberately ignore the specific written instructions of the consumer made pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information is authorized to be furnished. EXPERIAN is once again willfully and deliberately reporting INACCURATE INFORMATION on my consumer credit report in violation of the Fair Credit Reporting Act by failing to furnish information in accordance with the written instructions of the consumer. It is hereby required under Federal Law that this agency immediately remove or delete the unauthorized Fraud Alert and the Unauthorized Personal Statement pertaining to the Fraud Alert.

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 2022-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
In XXXX of XXXX I lost my husband to XXXX XXXX XXXX. I was very overwhelmed not only by losing my husband but also by switching his military retirement and social security income over to me as a surviving spouse. I utilized the forbearance plan to try to get everything together and have a break from mortgage payments. I was informed that my forbearance was ending and I called Amerihome to explain my situation. I was told that due to the passing of my husband a form would be sent to the VA requesting an extension on my forbearance. I was also told that an extension would be 3 months. I went back to getting everything settled. I then asked for a partial claim from my lender and was told I was denied because it had been too long since my forbearance ended. I then spoke to a foreclosure attorney who agreed to help me. On XX/XX/XXXX they sent a letter to my lender and never received a response. Phone calls were made to my lender requesting a response on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The refused to answer the letter. At this point, we are sending in the letter requesting research that was sent to my lender. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
The debt is disputed ( see attached letter sent ) and asked to not contact me again. Not only did Debt collector called again, she left voice mail lecturing me on how I need to pay this purported debt. Then she called again ( this time I saved an image of the call and voicemail to evidence the abusive practice - see attached ). 

Please help make this abusive behavior stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: NC

Complaint narrative:
Equifax is reporting a negative charge off and loss. Reporting that it is paid and not current. This is incorrect information. According to 15USC 1681, The banking system is dependent upon fair and accurate credit reporting. This Inaccurate credit reporting, it has directly impaired my credit profile and reputation. I would like for this to be removed immediately. I have sent numerous letters requesting removal. I have sent the letter that was sent via XXXX. XXXX. I demand that this be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I've been attempting to make payments on accounts with Comenity Bank including XXXX and XXXX XXXX since XX/XX/XXXX, the web-sites for both accounts are being updated, according to rep spoken with today, XX/XX/XXXX. I attempted to make a future payment for XXXX, when payments are due for both accounts, was told to speak with collections... However, the collections rep advised she can not make a payment due to update ... It is not clear when sites will be operational, which is not my error, should not be charged late fees..Payments are due in two days, it does not appear site will be up anytime soon..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am a Federally protected Consumer. I am initiating this complaint in order to address the unfair, impartial, and inequitable behavior of the consumer reporting agency XXXX in regards to a recent Fraud Alert which was added to my consumer credit profile without my expressed written instruction, consent, or authorization. After providing specific written instructions pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information was authorized to be furnished on my consumer credit report, an agent, authorized representative, or employee of XXXX elected to place a Fraud Alert on my account, and subsequently notified XXXX, and EQUIFAX that a Fraud Alert was requested by the consumer. IT IS A FACT THAT I DID NOT AUTHORIZE A FRAUD ALERT to be placed on the account and I DID NOT PROVIDE ANY PERSONAL STATEMENT regarding a Fraud Alert to be added by XXXX or any other credit reporting agency. XXXX as a repeat offender and violator of the FCRA, continues to habitually demonstrate its disregard and lack of respect of my rights as a consumer by deliberately and willfully failing to comply with its obligations under the FCRA. I have attempted multiple times to address this issue by directly calling the XXXX Fraud Department, however each attempt has been unsuccessful. XXXX as a consumer reporting agency governed by the FCRA has no authority under Federal Law to willfully and deliberately ignore the specific written instructions of the consumer made pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information is authorized to be furnished. XXXX is once again willfully and deliberately reporting INACCURATE INFORMATION on my consumer credit report in violation of the Fair Credit Reporting Act by failing to furnish information in accordance with the written instructions of the consumer. It is hereby required under Federal Law that this agency immediately remove or delete the unauthorized Fraud Alert and the Unauthorized Personal Statement pertaining to the Fraud Alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: DE

Complaint narrative:
Finance of America has lost XXXX of payments that I have sent them within a few months time. The most recent one is XXXX payment of 2022. The payment was sent by my back on XX/XX/XXXX and was delivered on XX/XX/XXXX. Finance of America lost the payment and is charging me late fees for there mess up. I sent them documentation of a bank statement copy showing the payment was made on time to the Mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Automotive Management Services, Inc.
State: NC

Complaint narrative:
I contacted Automotive Management in XX/XX/2022 in regards to sales contract and repossession information pertaining to a balance of {$7000.00} remaining on my credit report, however I was unsuccessful. Under the laws of the State of North Carolina and State RISA and MVISA statutes, a deficiency can not be claimed {$7000.00} unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Consumer never received any documents and the remaining balance being reported is now questioned due to the laws required not followed. Also From information gathered 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined ( PLEASE READ ) there should have been no exchange of cash on the credit transaction therefore I am demanding a refund of the down payment amount {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
About four weeks ago I called TransUnion about a credit account freeze and ended up subscribing to the TransUnion Credit Monitoring News Letter which I was told could be cancelled within 30 days with no charge. I quote from a letter dated XX/XX/2022 : " If you don't cancel your membership within the XXXX trial period ... '' On XX/XX/2022 I called TransUnion and in a completely garbled and difficult conversation with a service representative cancelled the Credit Monitoring Service and asked that a cancellation notice would be sent to me by mail. As of XX/XX/2022 I hadn't received a notice. So on XX/XX/2022 at about XXXX XXXX  I called again. The first person I talked with spoke with clarity and then transferred me to a person I could not understand because her speech kept breaking-up into unintelligent blurs. With customer service like this how can TU call itself anything other than a flop?

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 2022-06-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX and 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 2022-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY Thank you for your help in this matter.

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 2022-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The company promised to mail a cashier 's check in a letter to me. Now they refuse. The attached documents further explain the situation.

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 2022-06-30 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: TN

Complaint narrative:
According to the Fair Credit Reporting Act, XXXX XXXX XXXX is in violation of my rights, this corporation is reporting transactions on my consumer report. According to 15 U.S.C 1681 2A states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. I have contacted this company to remove this account from my consumer report and they have not fulfilled my request. 15 U.S.C 1681 also states that an account can not be furnished without my written consent. This account is currently on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief