vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 while flying home from XXXX Maryland ; I received an email from XXXX Bank stating that I changed my email address. I then called XXXX and stated that I didn't change my email address, i then began to query and ask questions about the balance of my account. The employee stated an incorrect balance, I then asked about any unusual transactions, and the XXXX employee stated that two wire transfers went out in the amount of XXXX, and XXXX dollars to Bank of America. I then conveyed to the XXXX employee that I didn't authorize those transactions. I was then told to close my current account, and open a new account. I was then told to fill out an affidavit, and other miscellaneous documents to fulfill the prerequisites of the claim. I was then told that it would take 10 days to complete an investigation, and upon follow -up I was told it would take a month. I asked for a provisional credit so that i wouldn't be XXXX during the investigative process but was denied, subsequently on XX/XX/2022 i was contacted again by XXXX asking if i wrote a check for XXXX, XXXX i said no they then stopped payment on the check but whats baffling is this was the new account the Bank set me up with after my initial account was compromised. If I would have a receive an alert on the 2 wire transfers I would have stated I didn't authorize those, so know I have to wait on Bank of America to release those illegal wire transfers that came out of my account which I didn't authorize and I can not finish business projects because my assets aren't available to me. Please assist me in this matter. Thank you

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 2022-08-24 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: SC

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts as they are not mines due to identity fraud. 1. XXXX XXXX account # XXXX 2. XXXXXXXX XXXX  account # XXXX 3. XXXXXXXX XXXX  account # XXXX 4. XXXXXXXX XXXX  account # XXXX 5. XXXX XXXX XXXX account # XXXX 6. Account # XXXX 7. XXXX XXXX XXXX account # XXXX 8. XXXX XXXX XXXX Account # XXXX 9. XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: OR

Complaint narrative:
I had logged on tried to " schedule '' a payment with Discover.com. 
The payment was charged early, and while the money was in the account, it had not been transferred over yet, because it went as scheduled. 
The {$29.00} fee did not show up until the end of the month and is not disputable. Which is incorrect, I am formally requesting arbitration per the customer agreement, with the CFPB as a witness. You may have your {$29.00}, but you will earn it. I dispute this charge as unreasonable. I look forward to working in person to address these issues. 
It is unfortunate that we live in world where corporate America is so greedy they would XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if they could charge for it! God Bless America though!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank had someone elses payments and transactions posted on my account on XX/XX/XXXX. I called them but the CSR could not understand what I was telling him. He kept asking me if it was fraud. It was not fraud, it was an account problem where what I was seeing online was not my information. He finally gave me the IT department number. Of course, no one would answer the phone. I finally resorted to contacting Comenity Bank through their online Secure Messaging. I had a very generic response within 24 hours stating the request had been forwarded to the correct department. I have received no communication from them since XX/XX/XXXX. As I am very concerned about the state of their online security I assume someone else was able to see my payments and transactions I started requesting them to close my account on XX/XX/XXXX through their " secure '' messaging. They will not allow you to close an account online. I dont have hours to spend waiting on hold, so I have requested they close my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have had no response from them nor has my account been closed. I am very unhappy with this bank. I have had the Sony credit card for years and closing the account will reduce my credit score. However, when the card was transferred to the control of Comenity Bank there have been constant website outages, the inability to access my account online, and the card declined at various brick-and-mortar stores ( where the card was presented in person and I had a large available credit balance ) with no explanation when I called the number on the back of the card, etc. Their customer service is non-existent. I can no longer tolerate the ineptness of this bank. I am upset my personal information may have been compromised ( with no explanation or even an apology ) and my credit score has to take a hit because of their incompetence. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24 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: TX

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXX XXXXave 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 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXXXXXX have 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 explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
In XXXX Rocket Mortgage/Quicken Loans provided a first mortgage to a consumer. Rocket Mortgage sent {$58000.00} to pay off the previous consumer 's first mortgage so that their mortgage would be in first place. Quicken collected funds fromthe consumer for a Lender 's Title Insurance Policy. In XX/XX/XXXX, the consumer is set to close on the sale of her home only to find that Quicken Mortgage failed to secure a Satisfaction of Mortgage on that prior first mortgage. So the consumer has been paying on this new Quicken/Rocket Mortgage and her funds have been used to pay off that prior first mortgage, but that mortgage has never been satisfied. I have spent days with email after email from client specialists at both Rocket and their title insurance underwriter, but they incredibly say that the consumer must obtain the release of the mortgage. Rocket has been entirely unwilling to help, and the title insurance company has been insulting and confrontational, refusing to provide any help whatsoever. There is clearly a problem with an out-of-state mortgage lender originating and closing loans, collecting insurance premiums and then failing to fulfill the obligations of that title insurance policy. 

Below is email from title company and contact info for their title insuror : Rocket has a lender policy to protect their lien position and they can file a claim. 
No title company chases releases except for in LA and MA if it is paid in their transaction.Rocket legal will address if a claim is needed on Rockets behalf. 
Thank you, XXXX XXXX - Executive Client Resolution Specialist XXXX XXXX XXXX XXXX XXXX | XXXX, MI XXXX ( XXXX ) XXXX ext. XXXX toll free XXXX XXXX Rocket Mortgage XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX I filed a fraud complaint with Bank of America on my business debit card. I had checked my account that day and realized there were many charges that were not made by me. I called the bank immediately. 

I was give a case # XXXX XXXX XXXX XXXX and told they would be doing a thorough investigation and be getting back to me. I was also told an immediate credit ( for not the full amount but some would be on my account ) and after the investigation was complete the total would be credited. I also requested my card canceled and a new one sent to me. 

Two and half weeks later I heard nothing and called bank of America on XXXX to get an update. I was told my fraud case was denied because I did not report in a timely manner and because the purchases were within my normal spending habits. 

I can affirm that I did not make these multiple XXXX charges that appear on my business debit card starting XX/XX/2022. 

I can affirm it is not in my normal purchasing behavior to spend $ XXXX {$850.00} at XXXX  day after day and sometimes multiple times in a day. 

I can affirm that any XXXX purchase I have ever made on my business debit card is from my XXXX account and goes to one address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX I can affirm these purchases were not made on my XXXX account and DID NOT go to any address I associate with or ever shipped items before. 

I can affirm I called B of A within minutes of seeing what was going on. 

I am asking thorough investigation to be done because Bank of America did not do one, at all! Their lack of regard for this situation is terrifying as the amount is {$8500.00} + charges that ARE NOT MINE! 

Bank of America is not willing to look into this and I have been tossed off to the side and told they arent going to do anything more. 

I will be filing a police report as well. Please help me with this situation. 

Here is the second claim # they gave me when I called on XXXX XXXX XXXX XXXX I also found they did not cancel my debit card as I requested and did not send me out a new card. I had to ask again on my call on XXXX. 

XXXX XXXX XXXX and 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 monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2022 at XXXX XXXX, I logged into www.myequifax.com to view my credit report. I noticed that my credit report and freezing/unfreezing of my account were unavailable for viewing. I called in on XX/XX/2022 and was told that I need to fax over my driver 's license and social security card in order to view my credit report. I found that was odd ; when I'd reviewed my report on XX/XX/2022 without issue. However, I faxed the requested information over to XXXX. I was told to wait 24-48 hours to have it updated. On XX/XX/2022 I logged into myequifax.com and I was able to see the outdated addresses listed and started disputing for removal. Some of the addresses listed, I was unable to remove and given a phone number to call. I called in and spoke with a guy that stated he removed the 3 addresses. I waited several and logged back in and now I was back to square one, where I'm unable to view anything. Called back and advised the rep what was going on. She stated that when documents are faxed it takes up to 5 business days to be processed, not 24-48 hours. Fine! I was given the option to send her my driver 's license and social security card, via email. She then stated that my account has be verified and that I can now login and view my credit report. That was not the case! I advised her that I'm still getting the same errors as before. The rep advised that I wait maybe a few hours. Needless to say, today is XX/XX/2022 and... Nothing! 

Lastly, I have no problems viewing my reports from XXXX and XXXX. Even attempted XXXX to get Equifax, the message states to directly contact the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: NC

Complaint narrative:
I went to the bank to get a business capital loan from XXXX XXXX XXXX  and i was denied a XXXX loan because of fraudualent information on my report dropped my score down dramatically I filed an FTC REPORT which is attached to this complaint. I NEED THIS REMOVED ASAP. When I called into XXXX and i spoke to the fraud dept, with an agent name XXXX at XXXX XXXX  XX/XX/XXXX Who refused to help me. when i asked to speak to a supervisor he denied me and said that they will only tell me the samething. I then asked to speak to the supervisor again. He put me on hold for over 20 minutes and hung up the phone i never spoke to the supervisor. I am disputing this fraudualent infomation with all Credit reporting agencies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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 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 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

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 2022-08-24 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: NC

Complaint narrative:
I went to the bank to get a business capital loan from XXXX XXXX XXXX  and i was denied a XXXX loan because of fraudualent information on my report dropped my score down dramatically I filed an FTC REPORT which is attached to this complaint. I NEED THIS REMOVED ASAP. When I called into XXXX and i spoke to the fraud dept, with an agent name XXXX at XXXX pm XX/XX/XXXX Who refused to help me. when i asked to speak to a supervisor he denied me and said that they will only tell me the samething. I then asked to speak to the supervisor again. He put me on hold for over 20 minutes and hung up the phone i never spoke to the supervisor. I am disputing this fraudualent infomation with all Credit reporting agencies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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 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 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

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 2022-08-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX  XXXX account # XXXX, originally a XXXX XXXX  account is not mine. Per 15 U.S.C sec. 1681i ( a ) the laws states that a thorough investigation must be conducted providing accurate proof that this account or debt belongs to me and all information including signature must be accurate otherwise this MUST BE DELETED TO AVOID FUTHER DAMAGE TO MY PERSONAL CREDIT AND NAMESAKE! This account is illegitimate and was NOT my doing. Also it is someone else signatures.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint against Wells Fargo financial services for student loans that they have apparently charged off because it is showing up on my XXXX XXXX credit report even though I am making monthly payments. The loan numbers are # XXXX and # XXXX I would like Wells Fargo to send me all the documentation on these loans including all of the phone transcripts of our conversations during this time. The loans were put on a Covid deferment since I was a physician helping during a very stressful pandemic. The loans can not be charged off unless there was not a payment for six months and this was not the case because I was in a Covid deferment or forbearance for three of those months. They stated on the phone that it was my responsibility to contact them every week during a pandemic mind you and let them know what was going on. This is absolutely ridiculous! I have contacted them numerous times about having these charge offs removed and they are refusing to do so. 

Keep in mind during this whole time I did not speak to Wells Fargo one time. My wife may have but these are not her loans, these are my loans. I never received a phone call and I never received anything in the mail regarding these loans. I have a lot of student loans out there because of medical school. I have never defaulted on anything! It was due to poor communication on their part and it is completely unacceptable. The charge-offs need to be removed from my credit report immediately. 

Again I am requesting all documentation pertaining to these loans as well as phone conversations that my wife XXXX XXXX and I have had regarding these loans. I can tell you that if I ran my practice the way that Wells Fargo runs their business I would have no patients and I would not be successful. They should be ashamed of the way they have handled the student loans. Especially when someone is obviously willing to pay them and then instead of them working with that person during a pandemic they decide to submit these loans as charge-offs. Like I previously stated I have student loans with many other service providers and I have never had this issue.

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 2022-08-24 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/2022 a inquiry was made on my credit was not authorized by myself by XXXX XXXX I myself did not ask for this or know anything about it. 15 U.S.C 1681i ( a ) states that all information be correct by finding of thorough investigation if not this must be DELETED from my credit report! Furthermore 15 U.S.C 1681 states to credit bureaus that I have a right to privacy as well as confidentiality as they have an obligation to fair and accurate credit reporting.

Company response to consumer: Closed with explanation