vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
Hi from XX/XX/XXXX to XX/XX/XXXX I was making payments to Fedloan for {$330.00}. 

However, I was in XXXX school the year before and did not take in any income over {$10000.00}. My payment should have been {$0.00}. 


I remember calling Fedloan to resolve this a few times. Waiting hours sometimes to just get through to verify. They gave me incorrect information in the beginning of repayment and said I could not get my payments back. 

Now with the department of education correcting things, I want to advocate for my money back. My federal tax returns and payment history would show that I was mislead into making these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
While I was behind on my mortgage payments, I applied to HAF. I notified my servicer, Rushmore, that I had applied to HAF and was trying to apply for modification. I submitted several applications for a modification because my loan was given to Rushmore by my old servicer XXXX XXXX who had not submitted my modification application. Therefore I had to start the application process again. Later I was told I had not submitted the application completely and had to reapply. I did inform Rushmore that I had been notified by HAP and provided them with my application ID number. 
Unfortunately, when HAF contacted me to provide assistance, Rushmore had placed my loan in foreclosure. I feel this was correctly done having informed them of my HAF status. Currently Im in the process of waiting for my modification approval and HAF can not help unless my loan is out of foreclosure. 
I dont know the reason I was placed in foreclosure since Rushmore was aware that I was working with HAF. I hope you will be able to assist as I believe this was done in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Monterey Financial Services LLC
State: GA

Complaint narrative:
Consumer reports have been falsely reported. Consumer report has been shared without permission, Debt verification has been falsely produced ( i.e no original promissary note with live signature, no original instrument of indebtedness ). FCRA law has been violated as consumers can not owe a debt, Pursuant to hjr XXXX one can not demand any certain form of currency that would like to receive if it is dollar for dollar. 

Company : Monterey Coll XXXX XXXX allegedly owed : XXXX Reports that have been falsely reported on : XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Yes I filed a report her with the cfb again wells Fargo refuses to do a correct investigation .I was called when they received the report from here by the agent he didn't seem very interested on what I had to say didn't care to investigate the issue I had to ask him were you going to look into it he said yes and was ready to hang the phone up I stopped and said are you going to get. My details he said I am looking at the notes on the account. I stated you still need my version he I will call you if I need to I then asked about another dispute I had on my account he said you have to go back and make another complaint I only investigated what is on the 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 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
On XX/XX//22 around XXXX, I attempted to deposit cash {$2600.00}, into my Fidelity account using an ATM at a PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX The ATM accepted the cash, gave a screen display acknowledging the breakout of the dollar bills and asked for my acceptance of the transaction. I accepted. The machine then sent a message that the transaction was being cancelled and that I would receive the cash back. The return of cash was {$1600.00} and no receipt was provided. Early morning XX/XX//22 I called PNC customer service and was advised that my call required the aid of a XXXX and to call back on XX/XX//22. I called early morning XX/XX//22 and was advised by 2 different representatives that since the card was not a PNC card, that they would not be able to assist me and that I would need to file a dispute with Fidelity. I filed the dispute with Fidelity, work item XXXX. On XXXX/XXXX/22 I was advised that they would not be able to help me, as they showed no transaction on my debit card. I did also return to PNC on XX/XX//22 and spoke with a XXXX XXXX who contacted the ATM company who advised that I would need to file a complaint with Fidelity. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: NC

Complaint narrative:
This is NOT a duplicate report and is not filed by a 3rd party. 

In accordance with the Fair Credit Reporting act XXXX these accounts below 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 a account without my written instructions. 1. Account Name : XXXXXXXX XXXX  XXXX Account # XXXX 2. Account Name : XXXX XXXX  XXXX Account # XXXX 3. Account Name : XXXX Account XXXX XXXX 4. Account XXXX : XXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX 8. Account Name : XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX XXXX Account # XXXX 10. Account Name : XXXX XXXX Account # XXXX 11. Account Name : XXXX Account # XXXX 12. Account Name : XXXX Account # XXXX 13. Account Name : XXXX XXXX Account # XXXX 14. Account Name : XXXX XXXX Account # XXXX 15. Account Name : XXXX XXXX Account # XXXX 16. Account Name : XXXXXXXX XXXX  Account # 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 2022-08-26 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: NC

Complaint narrative:
This is NOT a duplicate report and is not filed by a 3rd party. 

In accordance with the Fair Credit Reporting act XXXX these accounts below 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 a account without my written instructions. 1. Account Name : XXXXXXXX XXXX  XXXX Account # XXXX 2. Account Name : XXXXXXXX XXXX  XXXX Account # XXXX 3. Account Name : XXXX Account XXXX XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX XXXX  Account # XXXX 10. Account Name : XXXX XXXX  Account # XXXX 11. Account Name : XXXX Account # XXXX 12. Account Name : XXXX Account # XXXX 13. Account Name : XXXX XXXX Account # XXXX 14. Account Name : XXXX XXXX Account # XXXX 15. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lien Receivables LLC
State: CA

Complaint narrative:
Complaint is to unfair collection actions by the above named company. On XX/XX/XXXX, my husband received a call after XXXX XXXX from XXXX about a balance owed from our son. The collector gave private, personal information about our sons debt. My husband relayed on XX/XX/XXXX that our son did not live with us and to stop calling us. 

Today, XX/XX/XXXX, I received a call from XXXX with the same company in regards to my sons debt. He did not correctly identify himself. He told me about an accident my son was in, a debt he owed, and a balance owed. I explained my son did not live here and to please stop harassing us. He told me he was allowed to call me repeatedly. I discontinued the call. 

XXXX immediately called from the same number to my husbands work and proceeded to laugh into my husbands voicemail without identifying himself or the company. He just menacingly laughed into the phone and its the same phone number that XXXX called from. We find him leaving voicemail recordings of him laughing to be threatening, harassing and menacing. 

This company most certainly is harassing myself and my husband. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
I have applied to assume a mortgage for the home I live in. This home was my father 's who passed away without a will. I hired an XXXX to take care of the " Transfer of Property '' and/or " deed '' for the home. In the state of Indiana the legal document is a " Affidavit to Transfer Real Estate ''. This is due to not being able to go to probate court ( not enough money in estate ), also my father is not alive so he obviously can not quit claim the deed to me. 

The Mortgage Company Select Portfolio Servicing , Inc. ( SPS ) underwriters are not accepting this legal document in the state of Indiana for the " Transfer of Property ''. 

They are now foreclosing. My XXXX has been in contact with their ( SPS ) XXXX  he asks for the same docs the XXXX ask for, I have sent them numerous times. 

I have submitted every document needed many times. I have called the Mortgage company 100 's of times, I have contacted the ombudsman several times in regard to the XXXX not accepting this legal document that is my Transfer of Property, and/or deed. 

XX/XX//22 Spoke to supervisor XXXX XXXX came on she stated below : Need following documents : Underwriting needs Document transfer of property- In order to get a Transfer of Property my father would have to have done this before he passed. Father is deceased without a Will I can not get for obvious reasons. 
XXXX told me the only way is to refinance b/c I can not get the above document SPS = They do not refinance They will not assume without the document transfer of property. 

Law States I can assume the property. REGARDLESS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I did not open this account with Bank of America. How do I get it off my credit report? 

Account name BANK OF AMERICA Account number XXXX Account type Credit card Responsibility Individual Date opened XXXX/XXXX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$75.00} Balance updated XXXX/XXXX/2022 Recent payment $ 0 Monthly payment {$35.00} Credit limit {$14000.00} Highest balance {$75.00} Terms NA I did not make any authorization for this type of credit.

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 2022-08-26 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Consumer reports have been falsely reported. Consumer report has been shared without permission, Debt verification has been falsely produced ( i.e no original promissary note with live signature, no original instrument of indebtedness ). FCRA law has been violated as consumers can not owe a debt, Pursuant to hjr 192 one can not demand any certain form of currency that would like to receive if it is dollar for dollar. 

Company : XXXX XXXX XXXX XXXX allegedly owed : XXXX Reports that have been falsely reported on : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer reports have been falsely reported. Consumer report has been shared without permission, Debt verification has been falsely produced ( i.e no original promissary note with live signature, no original instrument of indebtedness ). FCRA law has been violated as consumers can not owe a debt, Pursuant to hjr 192 one can not demand any certain form of currency that would like to receive if it is dollar for dollar. 

Company : XXXX XXXX XXXX XXXX allegedly owed : XXXX Reports that have been falsely reported on : XXXX, Experian, 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 2022-08-26 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've been trying to get a mortgage loan. The company I used says they used XXXX to pull all 3 reports. I was tod that that Experian report was locked because I was XXXX military. It also showed my date of birth as XXXX, my date of birth is XX/XX/XXXX. It had many other mistake as wll. Every time I found a new issue it would start the clock over on their system to update. I made at 10 calls to correct issues. Finally on XX/XX/XXXX I was told everything was corrected. I checked today and still can not access my score, and information is incoreect. I don't want to call them again because they will start a new dispute and the clock stars over again. I've never been in the military. I called Experian and was told that these issues were corrected and it would take about 30 to 45 days to reflect my report. I don't know what else to do. Interest rates are going up. PLEASE HELP. 
The other 2 bureaus are showing updated accounts.

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 2022-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

1

5 usc 1681 section 602 states i have a right to privacy. 15 usc1681 also states a consumer reporting agency can not furnish a account without my written instruction. 15 usc 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report credit inquiry/inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
Wakefield and associates has contacted me numerous times to collect a debt of {$740.00} for a hospital visit from XXXX/XXXX/2021. At this visit, I checked in and waited 45 minutes then left. I never had any services performed or anything. When I requested an itemized receipt they sent me name, account number, address, Social Security number for a different person. This not only violates that individuals privacy and compliance but did not provide me any proof of my visit. 

They did provide me something that said the {$740.00} was for emergency med visit but I didnt have anything done, I just sat in the waiting room so I dont believe its fair to charge me for services that were never performed. The address tied to my name is also incorrect, Ive never lived in Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX//2022 - was sent a supposed cashier 's check in the purchase of something I was selling on XXXX. Deposited for {$1700.00}. It is listed as cleared that same day. 
XX/XX//2022 - I sent {$1600.00} by XXXX, to a third party that was supposed to be movers. 
That same night, I realized I had been scammed, and called Bank of America to report fraud and submit a claim to have the {$1600.00} reversed. I also reported the fraud to FTC.gov and ic3.gov XX/XX//2022 - the {$1700.00} is returned as a chargeback as the cashier 's check was not legitimate. 
XX/XX//2022 - Bank of America Claim is not approved.

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 2022-08-26 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: Next Level Finance Partners  LLC
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act The XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX 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 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX 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 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Initiated a wire transfer Wednesday afternoon XX/XX/24. Was told wire transfers are behind and allow XXXX XXXX hrs. Now nearly XXXX hours and no transfer and now being told this may take till the XXXX. Whats th epoint of a wire transfer?? Could have done a regular transfer and it would alreday be in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief