vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANK
State: MS

Complaint narrative:
We bank with Cadence bank ( XXXX XXXX XXXX and have : Checking, XXXX, and Mortgage with this bank. Recently we logged into our online banking site and then to our mortgage account to review some details. We were astonished to see XXXX other individuals accounts ( along with mine ) appearing. I was able to see their personal details ( address, phone, last XXXX ssn ). We called the bank and they remove those accounts after several hours but offered no assurances that the exposure had been rectified and offered no free fraud protection. We took photos on our phone of the website pages and the bank instructed us to delete those and have brushed off any accountability and our concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was trying to cash cheques I did not know the cheque was fraudulent and I sent the money via XXXX back to the person who gave me the cheque, the cheque then was returned after funds had cleared and took all the money I had in my account and that I had saved for, XXXX only XXXX and XXXX realised what was happening until {$1700.00} was gone. I told the bank and filed a police report and the bank now says theres nothing they can do as it wasnt fraud and that I willingly transferred the money but if the cheque hadnt have cleared I would have known it was fraudulent. Surely its partially the banks fault for letting the cheque clear

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 2022-12-21 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: TekCollect Inc.
State: PA

Complaint narrative:
XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In XXXX XXXX XXXX, I contacted each of the 3 agencies and requested that my credit score be changed to zero ( 0 ). I have not had any open accounts or credit balances in over 3 years and I have frozen my credit inquiries with all 3 bureaus.. 

I do not used credit any more and would like my score to reflect that. After 3 years, I believe it has been a sufficient amount of time to adjust this number.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XXXX XXXX XXXX, I contacted each of the 3 agencies and requested that my credit score be changed to zero ( 0 ). I have not had any open accounts or credit balances in over 3 years and I have frozen my credit inquiries with all 3 bureaus..

I do not used credit any more and would like my score to reflect that. After 3 years, I believe it has been a sufficient amount of time to adjust this number.

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Approval email from the Wells Fargo Autograph card said it would arrive in 5-7 business days. After 7 business days, I called and inquired about where the card is in the process. However, the customer service representative said it might take another 2-3 weeks, and the supervisor said it might take another 1-2 weeks. Then, they said they are backlogged for over a month for some customers. Then the supervisor said " oh wow, it just changed to in process just now. '' When I called again, the customer representative said " in process just means when you were approved. '' This is a huge lie from the supervisor to get me off their back by saying it's in process/moving forward when in reality there is NO movement. This is directly contradictory to the " 5-7 business day '' email they sent, and they declined to expedite the card when asked multiple times. However, there is still no definitive date as to when I will get my new credit card as it has not even been made/shipped yet. A colleague of mine I recently found out took over 1 month to get his new credit card.

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 2022-12-21 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.

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 2022-12-21 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: FL

Complaint narrative:
XXXX, TRANSUNION, and XXXX  XXXX  XXXX  are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 15 USC 1692g as well as 15 USC 1692j, I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXXXXXX XXXX XXXX, they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between us. They have not provided any judgements made or any original notes .This is directly impacting my life as I have been denied for credit because of them.

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 2022-12-21 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX, XXXX, and PROFESSIONAL DEBT MEDIATION are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 15 USC 1692g as well as 15 USC 1692j, I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with PROFESSIONAL DEBT MEDIATION, they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between us. They have not provided any judgements made or any original notes .This is directly impacting my life as I have been denied for credit because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: AR

Complaint narrative:
This is in reference to XXXX. You state you closed the file as you have already responded. I don't have a copy of that and not sure what it stated, however, nothing must have been done since it is still on my credit report. I don't understand how some who steals your personal information opens checking accounts, credit cards, cell phone accounts, electric accounts, rental agreements and many more is able to just skate free while I pay for his wrong doing. I have filed a police report and they have sent the file to the Proscuting Attorney and a warrant has been issued for his arrest. I have submitted the police report and the FTC form to show as best I can that this account does not belong to me yet you have done nothing. You have ask for no proof that I didnt live at the address or anything else. You have just taken the word of the collection agency. I have spoken with them and they don't have anything with my signature or anything else to proof the account belongs to me. They just assume that since they were told it is a valid account that it is. So that means that you assume that it is a valid account. I thought this company was to help us that are in need. NOT to support the business that has wrong doing in mind.

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 2022-12-21 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 — Investigation took more than 30 days
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. I was not notified of the investigation status if there is one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
( NOTICE See uploaded files! ) Adverse action in accordance with equal credit opportunity act to proclaim an adverse action against a consumer pursuant 15 U.S.Code 1691 ( a ) ( 3 ) .Pursuant 15 U.S.Code 1691a ( e ) I am a Creditor as defined in equal credit opportunity act and Capital One has assumed civil liability pursuant 15 U.S.Code 1691 ( e ) .Capital one bank has violated my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I made an agreement with and individual to buy a XXXX XXXXXXXX XXXX XXXX XXXX We were to use a broker/shipping company to do the transaction. I sent {$13000.00} to the account given to me by the company ; XXXX XXXX, from my bank XXXX XXXX XXXX XXXX, to HSBC UK. XXXX XXXX was to arrange for shipping and when I received the car I would inspect it and then notify XXXX XXXX and HSBC that it was in acceptable condition and they could release the funds. The car was supposedly destroyed during shipping and XXXX XXXX said they would tell HSBC to refund the money to me. There were delays from them on the return of the money that they said was caused by multiple things but in the end there was no refund. I was in continuous contact with them and the seller but then after a couple of weeks there was no response. I tried to contact HSBC directly but they would not give me any information about the account and told me to have my bank contact them. I contacted my bank and they worked through XXXX XXXX ( the wire transfer company ) to get the refund back. Today, my bank said XXXX XXXX closed the case because HSBC already released the funds to the recipient ( without my permission ) and there was nothing else they could do. My bank ( XXXX  ) says there is nothing more they can do since XXXX XXXX is the transfer company. I have been trying for over XXXX months to get my funds returned. The agent at XXXX XXXX was XXXX XXXX and the seller was XXXX XXXX and the bank was HSBC UK.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I placed an order with XXXX XXXX in XXXX and they use Affirm as their financing company. I have been making payments on time, but there have been substantial issues with ID neglecting to meet timelines promised and continuously pushing dates of delivery back while not paying their vendors etc. This is well known on the internet and in groups I am a part of, so I ended up having the order cancelled by ID with the assurance Id get my money back in full ( over $ XXXX ). That was at the end of XXXX. Their system shows its cancelled, but Affirm is still hounding me for a payment even though I filed a dispute AND submitted documentation that the order was cancelled. I will not keep making payments on something I will never receive, especially when theres no guarantee that if I DO make new payments Ill ever see my money come back to me. This is unethical. I should not be expected to make payments when I have proof the order is cancelled and no product in hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: MoneyLion Inc.
State: PA

Complaint narrative:
XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We experienced a flood in our home in XXXX, XXXX. As a result, our insurance company XXXX sent us two checks in XXXX ( each over the amount of {$40000.00} for a total amount of {$100000.00} ) for reimbursement of costs we paid to various contractors for construction work, repairs etc. Then, we began the painstaking process of working with Freedom Mortgage to release our insurance money to us. FYI, we did not select Freedom Mortgage as our mortgage lender, our original refinance lender, XXXX, sold them our loan. XXXX XXXX incompetence started at the outset with the excessive hoops they made us jump through just to get the release process started which XXXX purposely makes complicated and burdensome on the homeowner. Finally, after numerous phone calls and emails we were able to get an inspector out to our home on XX/XX/XXXX when, per the adjustor, 99 % of the work was completed. Since then, we've filed the inspector 's report and have requested XXXX  to release our money since we are out of pocket in excess of {$100000.00}. They continue to hold our money for NO reason and we're going into the holidays without {$100000.00} of our money. We have no recourse against them other than filing this complaint. We fully understand why Freedom Mortgage has had to pay hefty fines in both XXXX & XXXX for various regulatory violations. Freedom Mortgage should not be allowed to operate as a mortgage lender.

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 2022-12-21 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: AZ

Complaint narrative:
The following 3 Company 's did not have approval, permission or authority to run my Credit. Nor do I have any credit with these Company 's. On XX/XX/XXXX and XXXX and XX/XX/XXXX and XX/XX/XXXX I contacted TransUnion Credit Bureau and requested these Inquiries be removed as these Companies did not have permission, approval or authority to access my credit report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation