vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This information reporting agency, is reporting inaccurate information of my behalf, it is a defamation of character, and a hinderence of me getting approved for loans, credit card, utilities, etc. It is not an accurate reflection of my true credit worthiness. I have tried to resolve this issue with the agency multiple times, I have sent two seperate letters before filing this complaint on this matter. They will not comply with the law. They will not cooperate with me to resolve this matter. I wrote a letter to this agency stating that the followings items were reported inaccurately on my credit report- account- Bank XXXX XXXX {$3200.00}, Bank XXXX XXXXXXXX {$10000.00} XXXX Bank XXXX XXXX {$1300.00} XXXX They said it was verfied as accurate reporting which is false, then I wrote a second letter asking them for the method of verification which under 15 U.S. Code 1681i - Procedure in case of disputed accuracy they must provide that information to me, and they refuse to not provide this information and still will not remove the unveriable items.

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 2022-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
I was approved for the Homeowners Assistance Fund on XX/XX/2022. I was approved for all my past due and forward payments for 18 months. The mortgage company has had the funds from HAF since last month. They have the past due funds of {$25000.00} and at least one month of forward payments of {$1300.00} but have not credited my account yet. I just looked online and now it says I was referred to foreclosure. Why would I go into foreclosure when they have the money I was awarded. I'm scared. Please Help!

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 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a email notification saying that my banking information was changed via my online banking account for my BofA account. I also got an email notification that somehow, my debit card info was added to another account not related to me. Later on in the day, {$1400.00} was moved out of my account and I immediately called BofA on XX/XX/XXXX. I stated that money was moved out of my account that was not mine as the account numbers were not any I owned and the representative told me that my email was in fact changed and someone had my login credentials and thats how they were able to move money out of my account. I told them I wanted my information changed and they helped me. They opened a claim and said I would get a letter notifying me of the outcome. 

On XX/XX/XXXX, I received a letter notifying me that BofA deemed the transaction legit and was done by me when it was not. Even when I told them that the account number it was sent to was not mine and to check the IP addresses that were used to see where it came from as XXXX sure everything done is digitally recorded, I was still deemed liable for fraud that was done on my account. 

On XX/XX/XXXX, I called and asked for information as to why my claim was denied and the representative told me that BofA deemed it was I who did the transfer. When I reiterated the information I had ( emails I got, logs, etc ) they told me I had to wait 30 days from the day the letter was created to refile a reconsideration. I had to wait until XX/XX/XXXX to do that. 

On XX/XX/XXXX, I called again to put in my reconsideration and was told that the previous representative that helped me failed to even note down on my file what I said and gave me false information saying that I had to wait a month to file for a reconsideration. 

I am still without my {$1400.00} that was taken away from me due to fraud. BofA has been previously found negligent in protecting their consumers prepaid cards and have been sued already for it. They do not honor their policy of zero liability for fraud and do not protect their consumers. I have already began preparing documents to serve BofA in small claims court if they deny by reconsideration. I have done my due diligence by calling to put in claims in an orderly fashion, gathering information, and giving relevant information.

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 2022-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This information reporting agency, is reporting inaccurate information of my behalf, it is a defamation of character, and a hinderence of me getting approved for loans, credit card, utilities, etc. It is not an accurate reflection of my true credit worthiness. I have tried to resolve this issue with the agency multiple times, I have sent two seperate letters before filing this complaint on this matter. They will not comply with the law. They will not cooperate with me to resolve this matter. I wrote a letter to this agency stating that the followings items were reported inaccurately on my credit report- account- Bank XXXX XXXX {$3200.00}, Bank XXXX XXXXXXXX {$10000.00} XXXX Bank XXXX XXXX {$1300.00} XXXX They said it was verfied as accurate reporting which is false, then I wrote a second letter asking them for the method of verification which under 15 U.S. Code 1681i - Procedure in case of disputed accuracy they must provide that information to me, and they refuse to not provide this information and still will not remove the unveriable items.

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 2022-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA

Complaint narrative:
I applied for a mortgage with Sun West Mortgage via XXXX XXXX XXXX ID XXXX. 

XXXX denied my application to submit to underwriting stating I did not meet FHA guidelines because I did not have a home I own and will be renting out via a lease appraised and that should could not accept the lease I had. 

Per FHA guidelines a current lease can be used to estimate rental income. 

XXXX is not an underwriter so she should not be preventing people from applying for FHA loans. 

I am now at risk of my contract falling through due to her and her companies negligence and incompetency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I became aware that my rights were being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I first noticed this fraudulent loan on my XXXX XXXX recently, I sent the company a letter and XXXX and XXXX a letter on XX/XX/2022. Up to today ( XX/XX/2022 ) I have heard back from no one. I have never applied for such loan and want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My account was compromised on XX/XX/2022 My account contact information was changed. A XXXX account was made and 2 {$500.00} transactions were taken from the account. I contacted the bank the account was frozen until I was told I needed to go to the bank in person and order to have it unfrozen. On XX/XX/2022 I received another email that my contact information had been changed again and two more XXXX accounts were set up. I went to the bank and spoke with XXXX XXXX, explaining to him the situation we closed the original account opened a new one as well as changing the username and passwords. The two {$500.00} transactions were refunded to the account. On XX/XX/2022 the account contact information was changed once again. I called the fraud hotline they said that the only thing they would be able to do for me would be to change my information back. On XX/XX/2022 another notification was emailed to me that my contact information was changed again. I went to the XXXX XXXX sheriff 's department and filed a complaint 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 2022-08-11 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: PA

Complaint narrative:
I'm a victim of identity theft and on XX/XX/2022, I submitted a letter to all 3 credit reporting agencies XXXX, Equifax and XXXX disputing a XXXX  account that was opened fraudulently. I sent a letter requesting that the credit reporting agencies investigate this matter along with my police report, my FTC report and verification identification. XXXX deleted the account as well as XXXX and Equifax. XXXX and Equifax proceeded to put the account back on my credit after the deletion. I contacted both and asked how did they decided to add this fraudulent account back on my credit profile, and I was told " because the creditor state that it was mine '' and that the creditor did not have to submit any verification documentation. This is unfair, because the credit bureaus have a vested interest, they are paid by the creditors to report information, therefore, the creditors can say and report anything. 

Please investigate and remove the fraudulent account from my credit profile. I have attached my supporting documentation. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Moved out of Apartment in XX/XX/2022 In XX/XX/2022 Received Letter from Debt collector for {$2300.00} but never received bill or list of what charges were for. I was in a month to month lease and left due to apartment was vandalized while I were away from home and wrote letter to Landlord letting them know i was vacating for fear for my safety. 

email sent from me : Sent : Wednesday, XX/XX/2022 XXXXXXXX XXXX To. XXXX XXXX I would like to give immediately notice that I have vacated the apartment, My apartment was broke into and vandalized I could not lock my apartment due to lost keys and lock repair never completed I fear for my life. 
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 

Thank you XXXX XXXX I Forwarding Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I closed my Truist bank account and attempted to collect my {$500.00} bonus for opening said account, Truist did not pay the bonus and that is why they currently have two open complaints regarding that issue. 

Today they finally attempted to reach me, not by email as I've explicitly stated was my preferred method of contact, but rather they decided to call me again .... And during this call Truist Bank proceeded to admit that they actually never closed my account back in XXXX and Truist was trying to charge me fees even though they were refusing to return response to my complaints in which case they could've resolved all issues, instead, today they've created yet another complaint for not closing accounts when asked to. 

XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX did my account closing and told me he would not be able to close it immediately because they had to wait 24 hours to close accounts but that he would have it closed the next day. 

When XXXX didn't call me then next day I did go into the branch and asked him if the account had closed and why I hadn't received my bonus, he said he would look into it, nobody from Truist every looked into it. 

Now Truist wishes to charge me fees for closing my account when they legally owe me {$500.00} ... .. CFPB, what exactly do you do?

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I first noticed this fraudulent loan on my XXXX XXXX recently, I sent the company a letter and transunion and XXXX a letter on XX/XX/2022. Up to today ( XX/XX/2022 ) I have heard back from no one. I have never applied for such loan and want it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I first noticed this fraudulent loan on my XXXX XXXX recently, I sent the company a letter and XXXX and equifax a letter on XX/XX/2022. Up to today ( XX/XX/2022 ) I have heard back from no one. I have never applied for such loan and want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
Complaint # XXXX was only concerning the first mortgage. I was referring to the second mortgage. It was bought from XXXX by Ocwen and there is no record that it was paid off but it was discharged in the bankruptcy in 2013. This loan was was released and discharged but there and there is no record that I owe the XXXX. I need a release so I can refinance. It only shows that I owe XXXX but we need written release so I can refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I recently filed a credit report dispute against USAA. First and foremost, they took longer than 30 days to provide a response as documented on my previous CFPB complaint. A direct violation of the FCRA. Secondly, they provided ZERO evidence on the investigation and just claimed they " conducted a thorough investigation ''. They also lied on the investigation report. 

" After making telephone calls and sending you notices about the past-due payment, no payment was received. '' " After making telephone calls and sending you notices about the past-due payment, no payment was received. '' " It is important to note that there was no record of you contacting USAA FSB to request payment assistance or to report fraudulent activity on your account. '' " ... our Bank XXXX XXXX staff conducted a thorough review of your credit card and confirmed that USAA FSB handled your account within established policies and procedures. '' -Let me explain how false these statements are. When I initially realized that I wasn't getting paid from the XXXX, I called EVERY SINGLE financial company that I had a loan out with. I contacted XXXX XXXX, XXXX XXXX, AND USAA. I am in the process of collecting logs from both XXXX and XXXX to prove my claim. If I called these 2 companies that I was going through a financial hardship, why wouldn't I call USAA? I even got on the XXXX financial hardship program. Secondly, the lies about the phone calls are absurd. Where is the proof that I answered the phone? I was in XXXX XXXX with a XXXX XXXX SIM card in my phone. Why wasn't an email sent? Lastly, they took over 30 days to conduct an investigation, almost 60, where are the results of this " thorough review ''? What were the procedures used? Please provide a detailed description of the procedures used. 

If this does not get resolved with this CFPB complaint, my next action will be to partner with a lawyer to pursue legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: GA

Complaint narrative:
I have several hard inquires on my credit report that I did not authorize and that I do not recognize. These inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX of XXXX - XXXX XXXX care XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of 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 2022-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THIS ACCOUNT IS NOT MINE AND I DIDN'T APPLY FOR ANY CREDIT CARD UNDER 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 2022-08-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously disputed several inquires with experian due to fraudulent activity. The company denied my challenge and then agreed to remove 2 of them in a previous CFPB complaint. This never happened and I was never supplied a new credit report via USPS as promised by Experian in their response. Not only did the company fail to remove the inquires, but it was vague in its response, not indicating which ones would be removed. I Further demand that all challenges be removed as the Experian never provided proof that these inquires were valid. The burden of proof remains with Experian as stated in the FCRA that credit reporting companies must prove information reported to be factual. This has not occurred within the 30 day requirement per the FCRA so I demand that all of the challenged inquires be removed immediately! 

Regards, 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 2022-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
A FRADULUENT NON-STATUTORY LIEN WAS FILED WITHIN THE XXXX XXXX XXXX DATED 2017 FOR NON PAYMENT OF HOA DUES. THE DUES WERE PAID. WE BASICALLY, PAID THE DUES A SECOND TIME. THERE ARE NO HOA DUES OUTSTANDING FOR THE PROPERTY LOCATED AT : XXXX XXXX XXXX XXXX XXXX GA XXXX WE SUBMITTED AN EMAIL REQUESTING A RELEASE IF LIEN AND HE WILL NOT RESPOND. THIS IS CAUSING MORE HARM AS IT RELATES TO OUR MORTGAGE FRAUD ISSUES. ALSO, HE COLLECTED THESE DUES WHILE MY WIFE WAS STILL IN BANKRUPTCY. SHE WAS DISCHARGED ON XXXX THE FIRST SET OF DUES WERE PAID TO XXXX XXXX  XXXX XXXX WHO STOLE THE MONEY AND DID NOT TRANSFER THE MONEY TO.

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