vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I Received a check in the mail That was addressed to not even my real name I contacted the company and went in because they offered me a certain amount of money at the time I was XXXX  being forced to give up the baby fir adoption because of financial stress with my fiance sentenced to prison was being evicted and had XXXX  and the post office losing 12 packages of mine at once costing me my savings my XXXX account which was my onluly income source and i hsvent gotten XXXX back from usps over that and was the only reason i took the loan then to not e en recieve the entire loan. When i noticed the paperwork and the insurance policies i contacted tower immediately where i had to go sign papers that were to opt me out of these iklegal practices and i would recie e my money back. Nay nay i havent recieved a XXXX back and they want me to pay back what .the amou t they stole from me to buy these bogus unwanted unwarranted policies wouldve canceled out the amount i did recieve. when I went in there and they asked me some questions basic questions and then when it was time to sign the woman told me that it was just a reiteration of everything that she had just went over because I told them that I could not read and needed her to explain everything to me and come to find out they took half the money and bought bogus insurance policies for life Auto and collateral that had nothing to do with the loan I have never received a loan in my life I did not ask for this loan I did not apply for it nothing my credit was great before this the fact is they are practicing predatory behavior and phishing and picking two scams they've been brought to court over. They had not refunded me any of the money that was put towards these policies. I dont feel I should have to pay monies back on a loan that I did not receive nevermind their illegal practices including harassment showing up at my residence calling me and my family non stop when I've already contacted the company to express my concerns and was met by attitude profanity and unprofessional behavior like being hung up on. I don't have any money my bank account was closed because of this situation and identity theft as well as excess overdraft fees from my bank im dealing with. I filed for XXXX  and have no income im sorry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America hired XXXX XXXX to appraise a home. She was incompetent and made large discrepancies on her report. I sent Bank of America two appraisals one done 1-2 weeks prior and 1 week after the one they hired XXXX to do to show them the incompetency of the appraisal done by someone they hired. Bank of America denied me the refund based on merchant cam charge for services rendered Bank of America did not want to refund me the money for an appraiser that they hired who appraised the home at a 40k difference than the other two appraisals that were done.

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 2022-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2022, my wife and I transferred {$100000.00} from my wife 's checking account at XXXX XXXX  to our joint savings account at XXXX ( Webster Bank ). The money left my wife 's XXXX checking account on XX/XX/2022. 

The transfer didn't go through because we used my online profile with XXXX instead of hers ( she has no online profile with XXXX ). For security reasons, our savings account at XXXX was put on hold and our external transfer capability was suspended. 

We send XXXX the documents they required, i.e. our diver 's licenses as well as the most recent statement of my wife 's XXXX checking account. Our account was reinstated as well as our external transfer capability. 

However, as of XX/XX/2022, our money has not yet been returned to my wife 's XXXX checking account. And it is not in our account at XXXX. 

We have been in contact with XXXX multiple times over the phone ( ~ 6-8 times ) and via XXXX 's online message system ( online account ). They are not being helpful. 

On the transfer page, the transfer is not marked as " declined '', " rejected '', " canceled '', or " failed ''. It is marked as " manual '' ( whatever that means ). 

Among our many calls, I spoke with a representative at XXXX on XX/XX/2022. The gentleman I talked to said the transfer was started on XX/XX/2022. My wife contacted XXXX on XX/XX/XXXX, who confirmed that no letter of intent was received. 

We have been misled and lied to by XXXXWebster Bank for the past 2 weeks. Our money is nowhere to be found. 

By any reasonable standard, the situation is unacceptable. We believe XXXX is not following the regulation pertaining to funds availability. 

We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: KY

Complaint narrative:
This was an old loan and was paid and closed in full back in 2013. I did have issues with the balance and paid the payments biweekly until paid and then closed. I had to dispute this a long time ago and the last credit report that I had did not list that on there so this just popped back up. It has already been paid, closed, disputed, removed and now it's returned back on there again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I mailed a payment in the form of a check to XXXX  XXXX for {$120.00} in the mailbox in front of the XXXX XXXX Illinois XXXX XXXX. The Mailbox was broken into and my check was stolen, altered and cashed for the amount of {$8900.00}. When I noticed this was taken out of my checking account I contacted XXXX XXXX BMO Harris bank and then proceeded to fill out a report with the XXXX XXXX Police Department. We went to BMO Harris bank to fill out the paperwork for the fraud process. For the past 6 months we have been contacting BMO Harris with no answers on our case. We have been told we may not ever get out money back. They said that they have to get the money back from the bank that cashed the check and if they had to pay everyone involed in this mailbox breakin that BMO would be out of alot of money. We ask details as to where and who cashed an altered our check and they will not tell us. We ask to have people call us back and no one does. We go into the bank and they just say its in process. 

Below i am attaching documents that include the Police report Number, the affidavit to the bank, The forged Check, a copy of my check book balance for the check i wrote to XXXX  XXXX and a email from BMO saying that they are at mercy of the other bank.

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 2022-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I tried to apply for an account with XXXX XXXX  and was denied because of XXXX XXXX. I reached out to XXXX XXXX  in regards to the matter. I was sent a letter stating that I had an account with Bank Of America in the past and I owe {$350.00}. I never had an account with them but my ex husband did. He put me on the account in case if anything ever happened to him that I would be able to access anything I needed of his. I never put any money in there or did anything with the account. I was told in XXXX during the divorce that my name was removed from all his accounts. Fast forward to XXXX, I applied for this new account and now I can not open an account with them because he left a balance on that account and I had no idea. Because my name was on it when it closed they are trying to tell me I am co responsible. I contacted Bank Of America on XX/XX/XXXX And was told I am responsible for something that I had no idea about and would not have known because evidently in XXXX they put this on me and if I didn't try for the XXXX account I would have never known. I feel as if I am not responsible for someone elses debt because I was told one thing and the case was something else. I would like for them to remove this from my account because I am not the primary account holder and I have never even used this bank or step foot in there except under the false pretenses that it was for if anything were to happen to someone I would be able to take care of their affairs with no issues.

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 2022-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: ROBINHOOD MARKETS INC.
State: RI

Complaint narrative:
On XX/XX/2021 I issued a check from my investment company Robin Hood in the amount of {$4700.00} to be made payable to XXXX XXXX XXXX XXXX XXXX. This check was made payable to pay off my auto loan In full. The money was successfully deducted from my investment account. On XX/XX/2021 the check was returned unpaid from XXXX XXXX. The money was never returned back to my Robin Hood investment account. Robin Hood stated when I asked them what happened to my money upon review, we verified that youve attempted to deposit the check multiple times. The check was endorsed twice and the first one was successfully deposited by XXXX XXXXXXXX XXXX on XXXX while the second endorsement was returned by XXXX XXXX finance. I retrieved a copy of the sequence from Robinhood and the money was successfully deposited into a bank account through XXXX XXXX  XXXX on XX/XX/2021. I have the sequence number the bank account number but when I called XXXX XXXX XXXXXXXX they would not disclose any information to me as to where my money went. I have been in contact with Robinhood, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX but nobody will trace what happened to my money. I have lost {$4700.00} and can not receive any assistance from anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: CT

Complaint narrative:
UPDATE TO CLAIM # XXXX EQUIFAX HAS VIOLATED ME THE CONSUMER AND ORIGINAL CREDITOR IN NUMEROUS WAYS AND I HAVE TRIED TO SETTLE THE MATTER IN GOOD FAITH AND THEY HAVE IGNORED ME AND NOT SETTLED AS REQUESTED. A NOTICE OF DEFUALT AFFIDAVIT OF TRUTH HAS BEEN SENT TO EQUIFAX ALONG WITH A 3949 IRS FORM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient called me several times In reference of a student loan debt that is not mine and I dont know nothing about it but they keep calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I recently reviewed my credit report and seen that Portfolio recovery LLC was trying to collect an alleged debt from me and reflected on my credit report. I disputed the account through XXXX and nothing was done it only updated. Pursuant to 15 USC 1681b ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave portfolio recovery LLC any written instructions to furnish anything on my credit report. This is a violation of the Fair credit reporting act. This account should be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13 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: WA

Complaint narrative:
I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: CBC Companies, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX- XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX FACTUAL DATA- XX/XX/XXXX FACTUAL DATA- XX/XX/XXXX XXXX XXXX CO -Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date. XX/XX/XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX date. XX/XX/XXXX XXXX I have reached out to the company they said that I have given authorization to pull my credit i did not. I am not aware of the inquires that are listed above. Therefore I have disputed several times with the credit bureaus and they refused to remove the unauthorized inquiries listed on the report. 


I have disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: Cascade CISS Holdings, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX  XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  -Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date. XX/XX/XXXX XXXX  - XXXX date XX/XX/XXXX XXXX XXXX date. XX/XX/XXXX XXXX I have reached out to the company they said that I have given authorization to pull my credit i did not. I am not aware of the inquires that are listed above. Therefore I have disputed several times with the credit bureaus and they refused to remove the unauthorized inquiries listed on the report. 


I have disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my 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 2022-07-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: ND

Complaint narrative:
On XX/XX/XXXX a deposit of {$37.00} was made to my Credit Karma spend account from my minor child 's employer for his payroll. Credit Karma locked my account and sent me an email notifying me the account was locked due to the deposit. I provided the requested documentation to verify identity including mine and my XXXX  child 's state issues identification. After multiple requests for an update, I received a response on XX/XX/XXXX stating my accounts had been closed and they would be sending the funds to my address. To which I notified them after multiple attempts to update my address since XX/XX/XXXX, it still reflected my prior address. I received an email on XX/XX/XXXX stating that the check had been returned on XX/XX/XXXX. I again notified Credit Karma that the address they are sending to is not my address. I was told I needed to provide proof of address with limited criteria or the address needed to appear on my credit reports. I verified the address does appear on my credit reports and provided proof of address with multiple copies of medical bills, a copy of my divorce signed by a judge with the correct address, and additional bills verifiable with my credit report. As of XX/XX/XXXX, Credit Karma is still refusing to send the funds to me regardless of what proof I provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I submitted a complaint XXXX XXXX  ) on XXXX in regards to inaccurate or wrong personal information displaying on my credit report. Experian responded on XXXX stating they were in the process of removing and updating inaccurate employer information. As of today XXXX employer XXXX transportation, XXXX XXXX and outdated or inactive phone number XXXX still remains on my credit report after several requests to remove the information has been made both via mail and phone. Addresses XXXX XXXX XXXX and XXXX XXXX XXXX are addresses I've never resided while none of the creditors currenlty reporting on my credit report are attached to these addresses for any reason therefore they should not be reporting on my credit report. I don't understand why Experian continues to ignore my request and continue to report inaccurate information violating the Fair Credit Reporting Act.

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 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo reps claimed to have addressed issue ( s ) pertaining to non-receipt of payment from their remediation department, payment for damages caused by unauthorized accounts opened by Wells Fargo reps under my name including checking and savings.. I can assure the CFPB Wells Fargo extent to addressing issues includes referring to check as cashed in my name, in which case, check was cashed fraudulently by someone using my name, not addressed by Wells Fargo reps ... Further, check in amount of {$5100.00} was sent to old address after I moved, in which case Wells Fargo reps have not addressed this fact as well. Also, address was not verified which is an error on end of Wells Fargo, not addressed prior.. Another issue not addressed includes IRS reporting of payment, in which case Wells Fargo reps refer matter to a tax professional whom in turn advised IRS reporting including 1099 form needs to be corrected to show no payment received or I will have to pay taxes on amount not received.. A second option would be for Wells Fargo to reissue check ... In closing, Wells Fargo reps opened another checking account as well as savings which was recently closed out, overdrawn in amount of {$190.00} which includes two external funds transfers in amount of {$50.00} as well as a provisional credit reversal in amount of {$290.00}. The provisional credit was issued due to a debit card dispute in this amount, a purchase from XXXX which was not received, package lost/stolen. Further, the signature for package shipped via XXXX was forged, signed as " XXXX XXXX '' in which case I have never signed my name like this. Wells Fargo rep ( s ) refer me to account recovery to make payments in which case, there are not payments to make as I do not pay for item ( s ) not received. As stated before, account was opened by Wells Fargo reps, not myself, which is fraud and needs to credited amount of {$290.00}.

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