vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
On XXXX XX/XX/XXXX I sent the dispute letter to the collection agency and I still have not have not heard from them, so In addition I want to write another letter as shown below to dispute the debt. 


YOU ARE IN NONCOMPLIANCE OF THE FAIR DEBT COLLECTION PRACTICES ACT It is a fact that Congress enacted the Fair Debt Collection Practices Act ( FDCPA ) to eliminate abusive debt collection practices by debt collectors and to protect consumers like myself against debt collection abuse. Your company is using abusive, deceptive, and unfair debt collection practices which has contributed to the invasion of my privacy. 
I did not give your company consent to communicate with any person including the consumer reporting agencies any of my private information which includes information on the above referenced account. It is not permitted by law for your company to communicate with the consumer reporting agency as I did not give written instructions for you to have permissible purposes to furnish any of my information. 
Since, I did not consent to you have my private information which includes identifying information such as my name, address, and account number, your company has committed aggregated identity theft which is punishable under 18 U.S. Code 1028A.

You have invaded and breached my privacy which violates The Privacy Act of 1974. 
I am instructing you to delete my private information from your company files, delete this account from my consumer report with XXXX, XXXX, & XXXX and cease all abusive and deceptive collection attempts immediately. 
You have 10 days to request for this information to be deleted from my consumer report. 
Failure to do so will result in me taking legal action against your company for damages, willful noncompliance, privacy breach and much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX, I reached out to Wells Fargo, to work out a loan modification, because we were about to be unable to make our mortgage payments moving forward. They advised me that I did not qualify for a loan modification, because I was not behind on my payments. They then instructed me to make partial payments for 3 months, through a mortgage forbearance plan, in order to fall behind on payments, in order to qualify for a loan modification. We agreed and did what they instructed. Then, after the 3 months, they asked for us to catch up the full amount that we were behind, which we clearly could not afford to do so. They then began rotating me around so many representatives that all promised me that our loan was being reviewed for a loan modification, that it honestly made me lose sleep for months. What we did not know at the time, is that they were moving full steam ahead to foreclose on our home, and sell it at auction, which they did in XXXX of XXXX. I believe this is what is referred to as " dual tracking '' which is 100 % what happened to us. The speed at which they did this with, really caught us off guard, and was devastating. We wound up having to scramble to find a place to live and lost all of our down payment and money invested in improvements to the home, which was a significant amount. We dealt with Wells Fargo in good faith, but that was never reciprocated. We were plain and simply never offered a loan modification, which we had a right to. I made numerous attempts, even as recently as XXXX to correct this wrong, but Wells Fargo to this continues to act like what happened, really DID NOT happen. Please help make this right.

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: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
In XXXX of 2022 - I paid my mortgage on time. A couple of days later - my mortgage was transferred to a new servicer - freedom mortgage corporation. The mortgage was paid from an old checking account - and the amount was deducted from the account - however they are saying this is not the case. I have provided proof - however they are not accepting it and calling me a liar. now my account is showing past due because when I make a payment towards the end of the month for the coming month ( like I always do ) they are applying that towards the current month. I have recently gone ahead and paid it because they have destroyed my credit- my credit has gone from being XXXX to now only being XXXX. I am very upset and repeated phone calls and messages to this institution have gone unresolved- and I am also out an extra {$1400.00} and they are also trying to assess late charges.

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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have made a complaint with CFPB, with the right result to remove/delete XXXXstudent loan from off my credit report due to improper use. If CFPB agreed that it should be remove why is it still on my report..Here is the complaints ID XXXX XXXX, XXXX Experian and XXXX XXXX which is still open. This is the same student loan that was supposed to be remove and not renamed. 
I Have never sign anything I have no knowledge of that account and never made a payment like they have stated. Wrong and inaccurate information is a cause to be remove again..

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received a letter XXXX  from equifax in regards to my request for re-investigation sent off on XX/XX/2022 to remove an account that does not belong to me. Equifax has violated my rights to providing accurate reporting and proof of this account as mine nor did they provide anything. Credit reporting laws ensure that bureaus report only 100 % accurate credit information FCRA 611 ( a ) ( 6 ) and ( 7 ) and 15 U.S.C. Sec.1681i ( a ) states if proof is not provided the account disputed must be deleted. Equifax did not provide no documentations ( with my signature, ID, Agreement and ECT ) or evidence at all. as seen in the attachment. there was no effort put forth in this re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
My account was a victim of fraud. I informed Bank of America of this and after long calls the funds were returned to my account. I've since learned that XXXX other individuals, who have completely unaffiliated accounts, were a victim of the same exact fraud as I was. 

Bank of America did an investigation to determine that this was fraud. I requested details of what was discovered during the investigation and was informed that if I wanted any information I would need a subpoena. 

I believe Bank of America was hacked in some fashion and is not informing their customers. My finances, personal information, etc, XXXX be at risk. In addition, other customers likely had money extracted from their accounts as well through this fraud but since Bank of America isn't announcing anything, they are unaware.

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 2022-12-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HW Holding, Inc
State: FL

Complaint narrative:
I was extorted to pay {$1000.00} + interest to Hunter Warfield ( Collection Agency located at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ) for fraudulent claim. I received a phone call XXXX, but the message left did not indicate it was from a collection 's agency, so I did not respond. I then received an email from Hunter Warfield XX/XX/XXXX, indicating I owed {$1000.00} to XXXX XXXX XXXX. I proceeded to call XXXX XXXX XX/XX/XXXX regarding the email I received. They did not return my call. I then emailed them and called XX/XX/XXXX and sent certified mail to the office. I still did not receive a response. I then called the office multiple times since, one time speaking with office staff at XXXX XXXX who stated she would talk to the manager and get back to me. I also spoke with Hunter Warfield who stated that I had to pay the balance in full by XX/XX/XXXX or else it would go as a derogatory mark on my credit report. XX/XX/XXXX, I physically walked into XXXX XXXX to find out what I am being charged for. I never received a move out notice and was sent to collections 55 days after moving out, never notified XXXX time that I was being charged with anything. The staff member at XXXX XXXX could not find a move-out notice uploaded. But promised the manager would get back to me. I did not hear from her. I called Hunter Warfield and disputed the charges. They then proceeded to tell me that I even though the charges are being disputed, it would still be reported to the credit bureau and show up on my credit report. I emailed XXXX vista again XX/XX/XXXX, received a quick response from the manager stating she would get back to my Monday, of which I still, Wednesday XX/XX/XXXX, have not heard anything from her. I was forced to pay Hunter Warfield XX/XX/XXXX, so as to not have the charges sent to the credit bureau. According to the Fair Credit Reporting Act the abovementioned collection agency abandons its statutory duty by enforcing a bad collection without proof ; even though, this matter was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA

Complaint narrative:
I have a mortgage with Carrington Mortgage my account number is XXXX. I have made payments and they don't show on my account when it was paid thru XXXX XXXX they claim they received a payment for {$220.00} yet no payment for {$940.00} which was made in XXXX. I been in touch with XXXX XXXX and they said they were suppose to send all the documents that Carrington was asking for since they already had the information. I called today XX/XX/XXXX to check on the statice of when I called XX/XX/XXXX to Carrington Mortgage and I get the run around again. They asked if I put the Account number on the money transfer. I have never had any problem with prior mortgage company 's until I got with this one. It's like they act like your a liar. All I want is too know where my money has went since it wasn't applied to my Mortgage.

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 — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I deposited {$2900.00} in the chase atm and never received the money in my account I filed a claim the next day and have not been given my money back. I have provided the receipt to chase fraud department and to their executive team I have reached out to XXXX XXXX as well and received no help.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/2022, I was unable to open a bank account due to the permanent freeze Experian has placed on my credit. 

A few months ago I ask them to remove the freeze permanently, but apparently it was for only 30 days. 

Although I appreciate the protection, I can not log onto account or reach them by phone ever.

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: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
I have been trying to work with Citizens Bank for well over a year to resolve XXXX fraudulent lines of credit that were opened in my name. I have called numerous times and I keep getting told that they will send me a fraud packet, but I never receive anything. I have filed a police report and sent them everything they have asked for, but no one ever gets back to me. This has negatively affected my line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
I alerted Citibank and my bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  about a fraudulent Citibank account that scammed me of {$21000.00}. I sent them all the information about the account with dates, name, routing/account numbers. They have promised to do a full investigation but have went silent to me and my bank. Banks such as Citibank are required by federal law and applicable regulations to know their customers and understand their banking activities and conduct. They failed. I have offered them plenty of time to conduct an investigation.

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I am a Massachusetts Resident. The MA Attorney General Has Sued Credit Acceptance Corp, which informed me that the loan company is current committing a criminal act by charging a MA residency over XXXX XXXX for an auto. This is XXXX XXXX. I have reached out to XXXX  on XX/XX/2022 to submit a payoff payment to end this illegal contract with Registered mail Number RE XXXX XXXX XXXX XXXX, XXXX, no response, I sent another letter to them on XX/XX/2022 Certified mail : XXXX XXXX XXXX XXXX XXXX incase there were some type of error. Again, no response, I used a Notary as a witness to the transaction and sent the final letter on XX/XX/2022. Again no response. This corporation is Boldly Violating a multitude of laws that was developed to prevent this very situation right here. Credit Acceptance is not following the Truth and Lending Act, they are not follow Generally Acceptance Accounting Principles, and they have violated Massachusetts General Laws : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX. 

I have also reach out to XXXX XXXX XXXX the Chief Legal Officer on XX/XX/2022,

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL OF THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE AND FRAUDULENTLY BY VIOLATING MY RIGHTS IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. 


XXXX XXXX XXXX XXXX Account number XXXX THEY HAVE VIOLATED MY RIGHTS I 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 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 have 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I have sent Equifax letters to verify XXXX accounts and also correct the way the are reporting the accounts since XXXX of XXXX. I have yet to receive actual verification and the accounts are reporting inaccurately. 
The Account status are reporting as open- collections are NOT open accounts, The payment status is inaccurate- they are both reporting 120 days late - this is inaccurate on a collection account the past due amount should be XXXX the XXXX year history and the last payment are incomplete and inaccurate on both accounts equifax has said the accounts " verified '' but I have yet to see anything to verify all this inaccurate information Ive included all letters and the copies of my credit reports showing that EQUIFAX IS REPORTING THESE INACCURATELY NOT THE FURNISHERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2022, I attempted to complete a XXXX XXXX of {$100.00} from my account to my daughter. The bank froze my debit card for possible fraud. I reached out to the fraud department as well as several other representatives at the bank and no one is able to help because they have the incorrect telephone number. I am placed on hold for long periods just to be told they cant help or they will call me back. No one ever calls back. I explained to the bank that I cant come to the bank in person because I am now in Wisconsin and there is no Region Banks in Wisconsin. I explained that I have XXXX and I XXXX XXXX. The banks system is not able to generate security questions to confirm my identity, which has nothing to do with me. My social security is my only source of income and without this income, I am not able to pay my rent in Wisconsin or pay co-payments for my XXXX medication. At this point, I am in desperate need of assistance so I can be able to take care of myself.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I transferred XXXX XXXX Amex rewards points ( XXXX and XXXX ) to XXXX XXXX XXXX account last XX/XX/XXXX. I got a confirmation message and it was deducted from my account. I waited until XX/XX/2022 but it still hasn't post to the XXXX XXXX account. I reached out to Amex to check on it and they opened a case. It's been XXXX now but still no resolution. 
I keep on calling to follow up but Amex just keep on saying that the case is still in process.

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 — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
trying to open a new bank account denied because of a report from chexsystems containing fraudulent information of credit or bank inquiries not me but identy theft preventing me from opening a new bank account with applications for bank accounts and credit not by me therefore blocking me from opening a bank account as tey say deny to the banks

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
N ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 


XXXX : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 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 have 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