vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
The financial institution, Bank of America, overdrafted my account on or around XX/XX/2023. There was a cash deposit in the amount of {$600.00} made on XX/XX/2023 to cover a hotel expense in XXXX. The deposit made was the amount needed and then some to cover it. However, when I returned home my tax return posted and I transferred the money from the checking account into my savings account. All together there should have been a total of approximately {$3200.00} between the {$600.00} and the {$2600.00} tax return received. On or around XX/XX/2023, when I checked the balance on my checking account it was {$470.00} overdrawn. When I contacted customer service to investigate, I was told that there was a teller hold on the cash deposit and that I would have to go into a branch to discuss it with a banker. I did that and the banker could not understand why I was disputing it. In either case none of the customer service representatives knew what was going on. They also did not seem to want to look into this further. It appears the Bank of America is once again trying to swindle people out of money by overdrafting their customers ' accounts for no reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Around early XXXX I contacted the Experian fraud department to update some inaccuracies on my credit report. There seems to have been a mix-up on the agent 's end as he deleted my current residence in error as there were multiple addresses similar to my current address. This was made in error my current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX AL XXXX Since then, I have not been able to access my current credit reports and scores. I have provided the documents that were requested by Experian to verify my identity. I am in the process of purchasing a home, this is affecting my purchasing. 

There are also fraudulent items that do not belong to me, and I have included my FTC in my previous complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
On XX/XX/XXXX, my elderly mother, who suffers from XXXX, XXXX XXXX ( email : XXXX ) was a victim of fraud, made possible by the services of Moneygram. 

On this date, she was experiencing issues with her XXXX account and used her phone to XXXX XXXX customer service number. For some reason, the first hit of the XXXX search provided a phone number, which she called. Later that day, when we reported this to the local police, the police officer was able to replicate the issue on my mothers phone but not his own. Upon my own research, I have learned that this is a known scamming practice that the FTC has been warning consumers about. 

Please see here XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX for more information. 

When my mother called the number, she was connected with the scammer agent, who said that in order to help her, he needed to verify her information. He requested all of her personal information and then said, that when he reviewed her XXXX account, it looks like she is a victim of a scam and that she would need to Moneygram {$4500.00} in order to resolve this. My mother, again, who suffers from XXXX, fell for this trick and provided all information necessary. She was quite confused but kept falling back on the fact that this was the XXXX customer service number AND SHE HAD CALLED THEM. 

Due to her mental illness, my mother lives with me. I happened to walk into her room just as the transfer was taking place. I realized that something seemed off and we IMMEDIETELY contacted her bank ( XXXX XXXX ) to report the fraud/scam and to hold/freeze the transaction and her account. At the time, XXXX XXXX was extremely helpful and assured us that because we had called immediately, we would be safe. However, after the investigation concluded on XX/XX/XXXX, we were notified that because it was my moms fault, they could not fix the issue and she lost {$4500.00}. 

During this call, XXXX XXXX was able to disclose the name of the Moneygram account user and all of their information. The name listed is XXXX XXXX. This is the name of a famous actor and not a real person. I have opened claims with Moneygram and they said they can not provide any information, as they need to protect the privacy of the recipient. 

It kills me that Moneygram is a platform that allows scammers and evil people to access their systems to conduct elderly fraud and does NOTHING to stop it. 

My mother, who has little savings, is now down {$4500.00} ( XXXX moneygram fee ). I am so saddened by this and didnt know if you could offer any advice for fixing this. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
The original debt was with XXXX XXXX ( XXXX XXXX XXXX XXXX  and from there last record the debt was paid off completely for {$29.00} on XX/XX/XXXX and I asked them to close my account due to me no longer needing the credit card. Now months later they've sold the debt to Midland credit, it was charged off XXXX and sold on XX/XX/XXXX to midland credit XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23 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: PA

Complaint narrative:
Fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXXXXXX 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
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ASSURANCE FINANCIAL GROUP, LLC
State: LA

Complaint narrative:
My home was totaled in hurricane IDA. The extent of my damages were over XXXX. My insurance company payed XXXX which doesnt even replace the roof. So I hired a lawyer. We successfully settled for XXXX. The checks went to the mortgage company now they will not release the checks for the lawyers and a contractor I had hired. And I put money in my home out of pocket. No one would help me so I couldnt pay mortgage and the repairs and I had no where else to go so I put what I could into the house changing Sheetrock and windows and floors. So they currently have 2 checks for a total of XXXX and are not releasing the funds. Idk what else to do. I need to get this roof finished so I can do the interior. Its been XXXX years Ive been dealing with this camping out Im basically homeless because without those funds I cant fix my home. I am living in it but its poor conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
Money Network has agreed to issue final credits to my account as per the fraud claim I had filed back on XX/XX/2022. However, they left out XXXX transaction, which was for XXXX, {$34.00}, charged on XX/XX/2022. Not really sure how they missed it, as it was the first transaction disputed on the claim form...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
On XX/XX/XXXX I paid XXXX Mortgage payment, the XXXX Wells Fargo took my check to XXXX XXXX Bank Alaska for payment and first payed the first ask, but not the second ask as Wells Fargo did a double presentment. The second has sent Wells Fargo into removing my payment and claiming that my Bank did not honor the check. 
XXXX XXXX payed the check and there is no sign of a return of money to the account. 
Wells Fargo is now claiming " Return to Maker '' Wells Fargo has the money, they are having a real problem in Finding the funds that they still have, and are Sending notices that I am behind and that they are getting close to starting the paper work on foreclosure..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Grain Technology, Inc.
State: GA

Complaint narrative:
The below items do not belong to me. Please assist me in getting these items removed. I have sent in a police report to the XXXX and XXXX with regards to this account not being mine. XXXX XXXX XXXX XXXX - bal : {$22000.00} ( XXXX XXXX XXXX ) The following items are reporting incorrect late payments on my credit reports. Please investigate this matter and remove the following accounts : I have noticed the day of activity does not match. I have tried resolving this issue with XXXX ( XXXX XXXX XXXX, XXXX ), GRAIN TECH ( XXXX XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX & XXXX ). I havent had any luck fixing this issue. I have asked them to please provide on many occasions, documents verifying that I own these accounts at question and they have not. Please investigate this matter and remove the following accounts. 

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The below items do not belong to me. Please assist me in getting these items removed. I have sent in a police report to the XXXX and XXXX with regards to this account not being mine. Navy Federal Credit Union - XXXX : {$22000.00} ( XXXX XXXX XXXX ) The following items are reporting incorrect late payments on my credit reports. Please investigate this matter and remove the following accounts : I have noticed the day of activity does not match. I have tried resolving this issue with UPGRADE ( XXXX XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX XXXX, XXXX ), XXXX NAVY FEDERAL ( XXXX & XXXX ). I havent had any luck fixing this issue. I have asked them to please provide on many occasions, documents verifying that I own these accounts at question and they have not. Please investigate this matter and remove the following accounts. 

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TX

Complaint narrative:
This account was recently owned by another company and i had it removed from my report, so the original creditor had to sell it to another company and the have now also added it to my report without my permission. This was my original complaint to the last company that responded and deleted : YOUR COMPLAINT Submitted to the CFPB on XX/XX/2022 In accordance with the Fair Credit Reporting act XXXX XXXX, ( Original creditor XXXX XXXX  ) Account # 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. 

And this is the last companies response : Company 's Response Company responded on XX/XX/2022 Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collections Collection XXXX XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you may visit XXXX With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

So therfore : In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX Original creditor : 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 a 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 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 explanation
Consumer complaint received 2023-02-23 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: TX

Complaint narrative:
This account was recently owned by another company and i had it removed from my report, so the original creditor had to sell it to another company and the have now also added it to my report without my permission. This was my original complaint to the last company that responded and deleted : YOUR COMPLAINT Submitted to the CFPB on XX/XX/2022 In accordance with the Fair Credit Reporting act CREDIT XXXX ( Original creditor XXXX XXXX ) Account # 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. 

And this is the last companies response : Company 's Response Company responded on XX/XX/2022 Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collections Collection CREDIT XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you may visit XXXX With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

So therfore : In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX Original creditor : 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 a 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I would like to see this case re-opened! American Express is in possession of all documents that were originally submitted. According to XXXX, Funds in an American Express Personal Savings account are insured by the Federal Deposit Insurance Corporation ( FDIC ) up to {$250000.00} per depositor. You can also link external bank accounts, allowing you to transfer money in and out of the account as needed. FDIC means the bank is insured, not that the customer is insured. I had an external checking account that was hacked. I gave no authorization for any funds to be withdrawn, yet, {$250000.00} was withdrawn by hackers who used my internet protocol ( IP ) address to move t hose funds into my XXXX XXXX XXXXXXXX checking account. From there, they created their own XXXX XXXX XXXXXXXX checking account, moved the funds into that account and out it went. The American Express investigation was limited to the fact that my IP address was used to move the funds to my account. American Express closed the case, and left me with {$1000.00}. The investigation was shoddy, negligent in the facts, cursory in its desire to understand what happened. When XXXX XXXX tried to explain how these actors had invaded my accounts, they indicated there was no need for them to understand. Not one penny, of those funds that were withdrawn, was ever authorized by me. I would expect that as a long-time account holder, there would have been a real investigation. More than likely, those funds were laundered to fund terrorist activities. Does American Express care? 
American Express should do a thorough investigation. They have refused to contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Mobile : XXXX XXXX XXXX  The Consumer Sentinel Network details several similar scams with the same names of XXXX XXXX and XXXX XXXX who used a computer program called XXXX which was used to secure my computers and phone. That there is a criminal investigation ongoing with case number XXXX, and American Express is not doing their due diligence in contacting the detective working the criminal investigation is a nationwide scam, and there could be liability on their part by not completing a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: PA

Complaint narrative:
Fraudulent accounts and inquiries appearing on my credit report. 

Accounts 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 non-monetary relief
Consumer complaint received 2023-02-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: PA

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I'm reaching out regarding these fraudulent items for assistance to REMOVE them from my credit report immediately.

Company response to consumer: Closed with explanation