vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I HAVE FRADULENT ACCOUNTS & INQUIRES ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE COMPANIES TO ACCESS MY CREDIT REPORT OR OPEN THIS ACCOUNT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I had perfect payment history, they got new hires and new management and one of their new hires leaked my personal I formation and account information to a stranger on the internet who I didnt even know who they were. When I called the store to ask about It and get clarification I was told Id be called back because I wanted a settlement and be done with them due to my personal information being given out and privacy laws being broken. I never heard anything back about a payment or about the situation. Now I got a call from an attorneys office stating they are trying to serve me with legal paperwork for the remaining balance. Western Finance in XXXX Texas are unprofessional, leak personal data and information and do not communicate at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OR

Complaint narrative:
I was trying to contact chime for a issue on my account I spoke with a man who said he was costumer service went into my account took all my money XXXX $ and when I finally got in touch with customer service they told me I couldn't get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
On XX/XX/XXXX, I got an email from Chase Bank that I had opened a new business checking account. Upon receiving this email, I immediately called the company to try to fix the issue. I told them I did not do this. They needed my social security number, and I did not feel comfortable giving it to them, so they told me to go to a local Chase bank. I did not have any other account information. Today, XX/XX/XXXX, I was able to get a hold of the right department and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
Freedom Mortgage Corporation has denied me access to their online portal, because the loan I have is an assumed loan. This was not disclosed in any documentation from Freedom Mortgage during the loan assumption. This included online access to my account information, my tax documentation, online payments, and auto-payments. I have done nothing to violate their TOS. 

After loan my VA assumption in XX/XX/2024 that took 8 months to complete. I attempted to sign up for the online account to manage my loan. Six attempts to create an online account with Freedom Mortgage either by the app or website, with 2 customer service calls. One made XX/XX/2024 instructed me to use the website rather than the app to sign up. This was incorrect information and the website directed me to call customer service. During phone call with their customer service on XX/XX/2024, the customer service rep informed me that loan assumption accounts will not be able to have online account access with Freedom Mortgage. I asked if I would be able to get one later, and the same line was repeated, offering no 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 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Data Search NY, Inc.
State: TX

Complaint narrative:
The company continues to contact me repeatedly, I have blocked their number but they keep calling me from spoofed numbers from all over the XXXX so my blocking does nothing. It is a bot that is leaving me messages about a debt that I do not believe exists. I have requested information but I've never been able to speak to a real person, and there is no place on their website to get information about any debt I may owe. All the bot-voicemails say they sent me a letter but I have nothing. Additionally, I have checked my credit report and have found nothing that they could be calling about. 

Company : XXXX XXXX Website : XXXX XXXX XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I reached out to Lennar Mortgage and Lennar Title regarding a loan my wife is trying to close in her name only as we are in the process of getting a divorce. 

I asked Lennar Title to work with the lender to update the Mortgage so my name is not listed as a Borrower on the mortgage. 

Here 's the inital respose I recieved from Senior Escrow Closer/FL Licensed Title Agent, XXXX XXXX XXXX XXXX Please note, they are not showing you are borrower. They are showing your spouse as borrower and you are showing as joined by. 

Thank You! Have a wonderful day! 

Lennar Title XXXX XXXX Senior Escrow Closer/FL Licensed Title Agent XXXX Main Number : XXXX Direct Line : XXXX Fax : XXXX " This is a misrepresentation of the truth. I showed both of them a loan I had recently completed on a house I purchased in XXXX and the loan officer XXXX XXXX XXXX XXXX lied again when he said : " We saw this document yesterday and it was explained to me that the difference is how different states operate. The documents you are being asked to sign are what every non-borrowing spouse signs here. Ive been here for nearly 8 years and helped hundreds of people in your same situation and they have all gone smoothly. Get the verification you need from your attorney but this information is accurate. '' This is also a lie, because the lender I worked with with my loan used paperwork specifically for the state of Florida. 

This is unethical and unprofessional and is an example of how Lennar employs dishonest employees who will lie to customers in order to close loans before the end of the month. I have all emails and will attach them to this case. Please look into this matter so this does not happen to more unsuspecting 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 2024-07-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I was not aware of the 4 % interest cap for military members in Louisiana

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
Wakefield and Associates reported to my credit account a {$1400.00} balance for an ambulance ride in Illinois somewhere????!!! I live in CALIFORNIA. I told them it wasnt me and they told me to file a report. This is getting outrageous with all the fraud thats going on in the U.S

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681 Account Name Credit Card Account number XXXX Account Name Credit Card Account Number XXXX Account Name Credit Card Account Number XXXX Account Name Credit Card Account Number XXXX 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received an email from XXXX confirming my {$750.00} purchase on a credit card I did not use, I called immediately Bank of America and reported fraud. They investigate but when the merchant confirms the sale ( to some unknown person ) they reject the claim, twice. This is for a Spanish language concert XXXX I dont speak XXXX XXXX XXXX miles from my location ( it was in XXXX and I was in XXXX XXXX XXXX XXXX 

I did not make the charge, I instantly reported it but BOA insists on charging me.

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 2024-07-30 00:00:00
Product: Credit reporting 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:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 2024-07-30 00:00:00
Product: Credit reporting 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 have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: OK

Complaint narrative:
Loan origination date was 2004. I borrowed {$30000.00}. To date, I have paid back {$85000.00} ( {$44000.00} in principal ). I have paid back almost triple the amount that I have borrowed. Loan is still showing that I owe {$21000.00}. When I call the company and ask questions, they do not provide answers. How am I supposed to ever pay off this debt? Seems like very unfair collecting practices to have paid back almost triple what I borrowed and still owe over $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting 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:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been 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 explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to express my ongoing concern and disappointment with your handling of my previous dispute regarding several inaccuracies on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to express my ongoing concern and disappointment with your handling of my previous dispute regarding several inaccuracies on 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 explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting 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:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS GLBLNDSVCS Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I had credit card debt with XXXX XXXX. I never received notification from Midland Credit stating that they took over this debt from XXXX XXXX, Nor have they even tried to contact me. They sent this to their attorneys who have recently have XXXX complaints from me on this matter about how this bill turned into an XXXX credit card debt that was originally a little over XXXX. If this debt is truly over XXXX, they need to send me the bill of sale of this information or an itemized letter showing exactly as to how this has been turned into what it is. Including the interest they added onto it. 
They never let me dispute nor even talk to them before they sent it to their attorneys office who is just as crooked as this company is. They had their attorneys sue me regarding this matter. I was never served by anyone and then the next thing I know it I received a garnishment. They attorney 's have all ready taken over XXXX bucks over the time frame. This debt should be considered satisfactory and paid or is this company that greedy? If they expect me to sit quite over this matter they have another thing coming. I know they expect people to not know their rights and is why they and their attorneys have had many class action lawsuits against them. They have me under XXXX XXXX which was my maiden name. Not only that I was in the process of a XXXX situation at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My husband and I have been banking with Wells Fargo for 7 years. We have been trying for months to turn off ( NSF ) overdraft payments, they have turned it off multiple times, and somehow it keeps getting switched back on, to no error of our own. They have been billing us for overdraft fees, repeatedly after we have made it extremely clear we do not want that on our account. After speaking with the company they said once the overdrafts posted, as they were still pending at that time, to contact them and have them removed. They have yet to remove them, and are refusing to do so. I have filed a complaint with them.

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 2024-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
On XX/XX/XXXX at XXXX I went to my bank at XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma and resolved my debt that pertained to my overdrawn checking account through the drive thru. I brought my account to a positive balance. XXXX XXXX at my bank told me my account was resolved and in good standing. She the proceeded to turn my account over to Transword Systems Inc for collections for {$150.00} after she tacked on a {$15.00} late fee at the time I made my payment to bring my account current. I got the {$15.00} fee waived after I paid the balance owed of {$140.00} on XX/XX/XXXX. Transworld Systems Inc. generated a collections letter and sent it to me on XX/XX/XXXX. On this letter there was not the disclaimer of " this is an attempt to collect a debt, any information obtained will be used for that purpose ''. I called this company but was put on terminal hold and decided to file a complaint for fraudulent collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've recently checked my credit report after living abroad a noticed I've had several fraudulent accounts reporting to my bureau. I've reached out to Experian regarding this and have heard nothing back. The following accounts are result of my information being compromised : XXXX. XXXX XXXX XXXX Account XXXX XXXXXXXX ( {$30000.00} ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ( {$2900.00} ) XXXX. XXXX XXXX XXXX Account XXXX XXXXXXXX ( {$17000.00} ) XXXX. XXXX Account XXXX XXXX ( {$6800.00} ) XXXX. XXXX XXXX Account XXXX XXXXXXXX ( {$980.00} ) XXXX. XXXX XXXX Account XXXX XXXXXXXX ( {$62.00} ) XXXX. XXXX XXXX Account XXXX XXXX ( {$170.00} ) XXXX. XXXX XXXX Account XXXX XXXXXXXX ( {$18000.00} ) XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX ( {$9400.00} )

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