vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and I noticed there were inquiries listed that I did not recognize. 
I contacted ( XXXX XXXX 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  ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My university email server was hacked and emailed me a job opportunity saying apply now. I thought I was hired as an administrative assistant and was told my task was to purchase toys for an orphanange and mail them. I was sent XXXX checks to pay for this and was told to send XXXX to the orphanange. I quickly learned that this was a scam and cancelled the checks. Instead of being given a list for toys and such I was only told to handle money. I alerted BANK OF AMERICA of this and quickly placed a stop on these checks. BOA told me they would dispute and investigate the XXXX transactions and attempt to recover my funds and that it would take up to 45 days. XXXX days later I called to update BOA with a police case number for the investigation and was told the claim was denied and I would not be reimbursed. They also told me XXXX transactions are never investigated. I asked why I was told it would be investigated to begin with and all they could say was sorry and that they would not reimburse the funds regardless of fraud or scam. I explained that I was told their would be an investigation and that I was lied to and passified. They did not care, nor was there person higher in the chain of command to speak to. This is so demoralizing and frustrating. If there was never going to be an investigation why was I told there would be? Very distasteful and I have lost my trust with BOA and their standards of practice. In fact, BOA has still not sent an email stating anything or updating me about my claim even though in their system it has been denied XXXX ago. This is the same thing as fraud. Lying is fraud and scamming. I should have been informed the day I called to file this fraud claim that XXXX transactions are never investigated. This has caused me to relive a horror that could have been avoided. Lying to me and saying there would be an investigation when there never was is cruel. I have lost complete trust in this bank and will be taking my funds and banking elsewhere.

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and I noticed there were a inquire listed that I did not recognize. 
I contacted ( XXXX XXXX XXXX XXXX  ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

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 2022-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Reach Financial LLC
State: TN

Complaint narrative:
Dear Sir, madame, I don't have a loan with Liberty Lending LLC. There was some kind of correspondance with them in emails pre pandemic back in XXXX. The took out {$340.00} fro my bank account in XXXX of XXXX. I have had that reverse. I have spoken to them 3 times. I stated that i don't have a loan with them from XXXX. I have zero disclosures, paper work period. They even have my first name wrong. i am afraid they are going to injure me more. I have no relationship with them except I have spoken to them with never a mention of any loan, in fact they have told me there is no loan. i told them to cease any and all efforts to injure me. They were supposed to call me back on XX/XX/XXXX after XXXX and never did. I am reaching out to you to help me with I feel a fraudulent claim on me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: GA

Complaint narrative:
My name is XXXX XXXX and I am a victim of identity theft! Please remove these inaccurate accounts immediately. I did not authorize these accounts. I'm unable to get a job in the career I worked hard for. This is starting effect my goals with purchasing a home and effecting what I'm able to do and provide for my family and as I have a baby on the way. This is defamation of character.

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 2022-01-29 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: GA

Complaint narrative:
My name is XXXX XXXX and I am a victim of identity theft! Please remove these inaccurate accounts immediately. I did not authorize these accounts. I'm unable to get a job in the career I worked hard for. This is starting effect my goals with purchasing a home and effecting what I'm able to do and provide for my family and as I have a baby on the way. This is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: TX

Complaint narrative:
My claim is that TRANSUNION has violated the FCRA and they may be civilly liable for these violations. I came home after a long day of work, only to open a letter from TransUnion stating that my Federal Trade Commission ID Theft report was not valid ( Please see attached proof of my claim, I underlined it ). I submitted a CFPB complaint less than 14 days from today, XX/XX/2022. Now I'm not the sharpest, however from my understanding of what I read in section 605B of the FCRA, specifically 15 USC 1681c-2 ( c ) ( 1 ) ( A ) ( B ) ( C ). I included my Social Security Card, Passport and a communication from XXXX XXXX XXXX XXXX, in addition to the FTC ID Theft Report ( Please see previous CFB Compliant submitted on XX/XX/2022 ). 

( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I submitted everything prescribed in Federal Law under the FCRA and TransUnion willfully avoided responding through the CFPB to dodge lawful responsibility of blocking and removing the account I clearly listed on my FTC ID REPORT as, XXXX XXXX XXXX account ending in XXXX and inquires etc. 

" The request provided is missing essential personal identifying information or account specific information that would allow us to complete your request... '' - TransUnion Attached in this complaint : Social Security Card, Unexpired US Government Passport, Most Recent Bank Statement, FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT, CFPB COMPLAINT - XXXX, TransUnion willful communication violating the Fair Credit Reporting Act by not blocking the fraudulent account.

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 2022-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
This debt is not mine I requested validation of debt and the bureaus could not provide that to me I sent out letters to the collections company and they never responded to my letters.

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Your company is reporting the below referenced accounts on my credit report as a collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank I have disputed these items with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Upon reviewing my credit report, I recognized unauthorized reports on my account. I reported to JP Morgan Chase that they have broken the law of reporting late payments to CRAs WITHOUT my written consent. They could not verify the alleged debt and the CRAs are all reporting something different on this account. I have reached out to the CEO of Chase as well as the credit reporting agencies and neither parties have fixed this issue in as timely manner. 

My initial attempt was taken place on XX/XX/XXXX. 
My second attempt was XX/XX/XXXX. 
My third attempt was XX/XX/XXXX. 

In addition, I have been harassed MULTPLE times in attempt to collect alleged debt. This receiving multiple phone calls at inappropriate times which also is in violation of Fair Debt Collections Practices Act 15 USC 1692g violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have been paying on this Navient loan since XX/XX/XXXX and the amount hasn't changed at all. This Navient loan started in the amount of {$19000.00}. Through the life of this loan, I have made payments in the amount of {$36000.00}. On the web site they don't give you an option to pay on the principal only. Therefore, I can not pay off this loan. I have asked to settle this loan and they will not settle. 
Here are the current totals as of XX/XX/XXXX. 
Original principal {$19000.00} Adjustment Total = {$600.00} capitalized interest = {$0.00} disbursement = {$28000.00} disbursement fee XXXX forbearance payment = XXXX Late fee XXXX Payment = XXXX Repayment Fee = XXXX Resale XXXX School Refund = XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was suppose to receive XXXX points on XXXX XXXX XXXX for purchases paid on XX/XX/XXXX. When I did not receive these points I call Wells Fargo. They told me that those points were being held up because I had disputed a credit charged to my credit card. I waited until the despite was settled. After the dispute was settled I noticed that they had awarded me the points I had coming for XX/XX/XXXX but not the ones they owed me for XX/XX/XXXX. I called them and discussed the matter with them several times. All they did was give me the run around. On the final call to them ( XX/XX/XXXX ) they kept putting me on hold and this went on for about an hour. Finally they just hung up on me without giving me a reason. I know that what I am saying is true because I was watching my point totals very carefully in anticipation of the rebate kicking in. I am wondering if they have cheated me out of points on other occasions when I wasnt watching my point total so carefully. I am also wondering if then can do this to me whats to keep them from doing the same thing to thousands of other customers.

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 2022-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was manipulated out of {$100.00} through a fake XXXX email and believing that I was working with XXXX, not a scammer. 

Date : XX/XX/2022 I received a scam email from an individual posing as XXXX customer service via email. The individual pretended to send me money for a purchase and {$100.00} extra to upgrade my account to a XXXX business account for purchases. 

Scammer proceeded to send an email impersonating XXXX with branded logos used as his profile emblem and in the email address itself. The email directed me to send {$100.00} through XXXX Chase in order for my payment to be released. I was told to send money to account : XXXX XXXX XXXX Transaction XXXX The email utilized XXXX XXXX logo and XXXX in its email name and was very convincing in appearing to be a legitimate customer service email from XXXX XXXX 

After the scammer was sent {$100.00} directly out of my checking account, he proceeded to harass and call me for hours demanding I send him another {$500.00} in order for XXXX to release his supposed funds. 

After realizing that the entire transaction was a scam, I quickly called Chase to open up claim # XXXX to stop payment on the pending transaction. 
I saw that the transaction was pending to an account also from Chase. Chase failed to stop the pending payment allowed the criminal to keep my money. 

Date : XX/XX/2022 Was denied the {$100.00} credit because Chase claimed I allowed for the payment to happen. However it was the fake email from XXXX that Chase did nothing to close down the scammer 's bank account or return my money. 

I was manipulated out of {$100.00} through the fake XXXX email and believed that I was working with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Your company is reporting the below referenced accounts on my credit report as a collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed these items with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Your company is reporting the below referenced accounts on my credit report as a collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have disputed these items with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

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 2022-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: NY

Complaint narrative:
During this pandemic I found myself asking for a forbearance with the mortgage company I had at the time, which was XXXX XXXX. Before the three months was up, XXXX XXXX sold the loan to Gregory Funding LLC. The dates involved are XXXX, XXXX, and XXXX of XXXX. From XX/XX/XXXX up till XXXX of XXXX, I was paying on time. I was not able to pay XX/XX/XXXX, which made me then 4 months total behind. I have since gotten another forbearance from XXXX and have been paying the mortgage every month since then. I have spoken with several people at XXXX and XXXX operator XXXX, who I spoke with today, Friday XX/XX/XXXX. I was asking if they could put the four months on the back of the loan of which she informed me that they are not doing anymore deferments at this time. I have been asking all along if I could have the 4 months put on the end but to no avail. My escrow is very high, and I really need help with this matter. They are also saying the I owe almost XXXX, when I know that there was not supposed to be any interest accrued during the forbearance months. Now my last forbearance is up on the XXXX, of this month, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am disputing Amex and Account numbers 1. XXXX 2. XXXX Amex has re-aged this account. The current information is inaccurate and is reported as a later date from the date of first delinquency. Please delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I have a XXXX XXXX available for the claimant of the information the I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Americor Funding, LLC
State: MD

Complaint narrative:
from XX/XX/XXXX to XX/XX/XXXX, credit9/americo financial draft over {$21000.00} from my bank account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I recognized unauthorized reports on my account. I reported to XXXX XXXX XXXX that they have broken the law of reporting late payments to XXXX WITHOUT my written consent. They could not verify the alleged debt and the XXXX are all reporting something different on this account. I have reached out to the CEO of XXXX as well as the credit reporting agencies and neither parties have fixed this issue in as timely manner. 

My initial attempt was taken place on XX/XX/XXXX. 
My second attempt was XX/XX/XXXX. 
My third attempt was XX/XX/XXXX. 

In addition, I have been harassed MULTPLE times in attempt to collect alleged debt. This receiving multiple phone calls at inappropriate times which also is in violation of Fair Debt Collections Practices Act 15 USC 1692g violations.

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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I recognized unauthorized reports on my account. I reported to XXXX XXXX XXXX that they have broken the law of reporting late payments to CRAs WITHOUT my written consent. They could not verify the alleged debt and the CRAs are all reporting something different on this account. I have reached out to the CEO of XXXX as well as the credit reporting agencies and neither parties have fixed this issue in as timely manner. 

My initial attempt was taken place on XX/XX/XXXX. 
My second attempt was XX/XX/XXXX. 
My third attempt was XX/XX/XXXX. 

In addition, I have been harassed MULTPLE times in attempt to collect alleged debt. This receiving multiple phone calls at inappropriate times which also is in violation of Fair Debt Collections Practices Act 15 USC 1692g violations.

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