vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-27 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: GA

Complaint narrative:
I am writing this complaint to inform the CFPB and Experian that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Experian is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. 
Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( Exhibit A ) Experian is in violation of 15 USC 1681b ( 2 ). I never given Experian who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that Experian is a CRA that assumed its roll as congress said they are and elaborate mechanism. Experian has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent.

I hereby demand Experian to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by Experian without authority or consent, to commit fraud and furnish a consumer report on my behalf.

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 2021-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XX/XX/XXXX I made a transfer through XXXX from my bank account at XXXX XXXX to a payee who has a bank account at First Horizon. On XX/XX/XXXX I received a confirmation from XXXX that the money was credited to the payee, however First Horizon never credited the money to the recipient. Transfer trace is XXXX. Both banks have not been able to resolve the issue and my money is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a notice that my account had been temporarily locked and is under review. I received this letter by mail on XX/XX/2021. With this notice came the inability to access my account online, pay bills, or access the account at a branch location ( this includes the ability to withdraw or deposit funds ). I called the fraud division to try to help answer any questions and even went into multiple branches to aid the process. All personal from the company informed me that there was no information they could give me, no time frame, and no one to talk to about the issue. This is still ongoing and it has been 40 days as of XX/XX/2021. I have no way to pay my bills, access my funds, and I can not get somebody to explain to me what is going on.

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 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was scammed on XX/XX/2021 from an unavailable caller telling me my XXXX Account had been hacked for {$990.00}. They took me through a series of steps to protect my account, also having me download the " XXXX '' app on my phone. I spoke to 3 different people. The first person said he had to transfer me to his supervisor, he had me request money through my XXXX and when that didn't work, he transferred me to his XXXX who had me request money and when that didn't work, he had me send {$990.00} from my checking account ( which is now closed ). I was then transferred to the 4th person who told me that he was the hacker and I had been hacked. I immediately called XXXX who said they did not make the call and then I called Bank of America. I spoke to 2 people at Bank of America that Saturday and then I believe 2 or 3 people on Monday XX/XX/2021. I also filed a police report. Last week I received a letter from BOA telling me that my claim had been denied and I have lost {$990.00}

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
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Early XX/XX/2021 I was informed that my checking accounts was restricted and closed and I would no longer be able to access the accounts. Due to a scam for a job that gave me a fake bonus check that was a scam. After much devastating news and all my money being gone. there were still XXXX transactions being drafted from the account and XXXX overdraft protection being used. I received a letter in XX/XX/2021 confirming the closure of the accounts due to the overdrafts that caused charge off. Navy federal restricted my access and this also caused me not to be able to pay my credit cards either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Corporation of America
State: AR

Complaint narrative:
On XXXX XXXX XXXX compliance officer at RMC responded to my complaint stating that they deleted the amount from my XXXX file XX/XX/2021 via the XXXX XXXX. It was deleted and removed but then reported on XXXX. See attachments of the response from XXXX XXXX stating it had been deleted and also attachments of when it was last reported. I would like this to be REMOVE AND DELETED from my credit report immediately. I would also like for RMC to get rid of the file obtaining my personal information because it clear that they are falsying documents. I have the proof. This has hurt my ability to obtain credit and has hurt my character. PLEASE REMOVE AND DELETE. I called RMC but no one has reached back out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH Has Locked My account from making payment to my Mortgage ILEGALLY, I can not make a payment on their Website. 

They Have me in some Mortgage Deferment plan I DID NOT REQUEST TO BE IN, THEY ENROLLED ME WITHOUT MY CONSENT, NOR ANY DOCUMENTS SIGNED BY ME TO THEM, NOR ANY REQUEST FROM ME TO THEM, NOW THEY HAVE LOCKED THE ABILITY TO PAY FOR ME TO PAY MY MORTGAGE FOR NO VALID REASON. 

Get this Company to UNLOCK my ACCOUNT NOW THIS COMPANY IS ATROCIOUS AND TREATS THEIR CUSTOMERS LIKE GARBAGE. 

THEY LOCKED MY ACCCOUNT AFTER MAKING PREVIOUS PAYMENTS ONLINE, I CALLED THEM XX/XX/2021 SPOKE TO EMPLOYEE # XXXX, THEN TO THIER MANAGER OPERATOR ID # XXXX SAYING THAT THEY NEED TO SEND A FORM TO ALLOW ONLINE PAYMENT AND TRIED TO CHARGE A PAYMENT OVER THE PHONE FEE. THIS IS A SCAM. THEY MADE NO EFFORT TO CALL, EMAIL, MAIL, or SEND A NOTICE TO MY ONLINE DOCUMENTS ON THEIR ACCOUNT WEBSITE. THEY SAID THE LAST MORTGAGE PROVIDER REQESTED AN EXTENSION OF MY 90 DAY FORBEARANCE, THIS IS NOT TRUE DUE TO I WOULD HAVE TO SIGN A DOCUMENT OR MAKE A REQUEST, I NEVER REQUESTED AN EXTENSION. THEY CAN NOT PROVIDE ME A COPY OF THIS ALLEGED EXTENSION REQUEST. 

THEY REFUSED TO SEND THE FORM BY EMAIL, OR TO MY ONLINE DOCUMENT CENTER ON THEIR WEBSITE, THEY SAID THEY CAN ONLY SEND IT BY MAIL. 

NO PHONE CALL, EMIAL, NOR LETTER WAS EVER SENT ABOUT A PHYSICAL DOCUMENT NEEDED FOR ONLINE PAYMENTS ; I FILLED OUT THEIR ONLINE CONSECT FORM in XX/XX/2021AND ADDED MY CHECKING ACCOUNT INFORMATION ( https : //phhloansphereservicingdigital.bkiconnect.com/phhm/ # /payment ) AND THEY ACCEPTED IT AND ALLOWED ME TO MAKE ONLINE PAYMENTS FOR XXXX AND XXXX, NOW THEY ARE RENEGGING THEIR AGREEMENT FOR ONLINE PAYMENT FOR NO VALID REASON. 

They Need to STOP THIER ILLEGAL ACTIVITES ON MY ACCOUNT BEFORE I TAKE LEGAL ACCTION AGAINST THEM. THEY ALREADY HAVE A CLASS ACTION LAWSUIT FOR THESE ACTIONS THEY ARE DOING TO 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 explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: DC

Complaint narrative:
Hi XXXX XXXX, We have noticed transactions on your Milestone MasterCard Account ending in XXXX that indicate unauthorized activity may have occurred. Please choose the appropriate response below to confirm whether or not you authorized the following transaction ( XXXX ) or call us immediately at XXXX. 


Date $ Amount Merchant Name XX/XX/26 XXXX XXXX XXXX XXXX null These transactions were performed by me, or someone authorized by me to use my card. 



These transactions were NOT performed by me or someone authorized to use my card. 



If you have already spoken with us regarding this matter, please disregard this email. Please don't hesitate to contact us with any additional account needs. 


You may not be able to make purchases on your Milestone MasterCard Card until we hear back from you. 

Sincerely, Genesis FS Card Services XXXX XXXX XXXX XXXX ( Available XXXX Eastern Time ) *Note : If a dollar amount is not identical to what is shown on a transaction receipt, this may be due to a pre-authorization, which has not yet posted to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 non-monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT : AXXXX XXXX XXXXXXXX

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 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX

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 2021-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was affected by XXXX and was sick for months. When i was strong enough I notified my creditors and they worked with me except for the company XXXX - they have foreign customer service who is only interested in collections and they do not help nor answer questions they give you the run around its a hassle and they lie to you i have asked or Americans, i have asked for supervisors they are all incompetent and they are ruining my life I WANT TO MAKE ABSOLUTELY CLEAR I AM PERFECTLY CABABLE OF PAYING MY BILL NOW THAT I AM HOME, I LOST ALOT OF MY LIFE TO XXXX AND STILL CAN NOT WALK BUT AM XXXX FROM XXXX, SO IT IS NOT THAT I CAN NOT PAY IT IS THAT THEY HAVE TO REMOVE HTE NEGATIVE REMARKS THEY POSTED EVEN THOUGH THEY KNEW I WAS IN XXXX .... i am only XXXX no way should this company even exist if they are not following the rules. i provided them with the USA CREDIT CARE ACT under the XXXX XXXX  protection and this company has don't nothing but ignore it and has been notifying my credit bureau of negs when under cares act if i was on time before i was sick they were suppose to continue reporting positive knowing i was in hospital. I WAS ALWAYS ON TIME UNTIL I GOT XXXX I HAVE NEVER BEEN LATE... I have called fifteen times and they are XXXX that do not speak XXXX they lie and give me the run around I am back at work and capable of paying my bills as usual i need something in writing that i am paying and they are removing these negs due to my affliction from XXXX i can not pay and not have this rectified they will continue to report neg this issue must be resolved and they willl not change it unless i pay them first and i find it so fishy AGAIN I HAVE THE MONEY TO PAY AND HAVE NO PROBLEM PAYING BUT NOT TILL MY NEG IS REMOVED. I SUBMITTED PROOF I WAS HOSPITALIZED THEY EMIALED ME BACK CONFIRMING RECEIPT AND THAT THEY WOULD REMOVE THE NEGS BUT THEY HAVE NOT REMOVED THEM AND ITS HURTING MY ABILITY TO MOVE FINANCIALLY.

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 2021-12-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was affected by XXXX and was sick for months. When i was strong enough I notified my creditors and they worked with me except for the company XXXX - they have foreign customer service who is only interested in collections and they do not help nor answer questions they give you the run around its a hassle and they lie to you i have asked or Americans, i have asked for supervisors they are all incompetent and they are ruining my life I WANT TO MAKE ABSOLUTELY CLEAR I AM PERFECTLY CABABLE OF PAYING MY BILL NOW THAT I AM HOME, I LOST ALOT OF MY LIFE TO XXXX AND STILL CAN NOT WALK BUT AM XXXX FROM XXXX, SO IT IS NOT THAT I CAN NOT PAY IT IS THAT THEY HAVE TO REMOVE HTE NEGATIVE REMARKS THEY POSTED EVEN THOUGH THEY KNEW I WAS IN XXXX .... i am only XXXX no way should this company even exist if they are not following the rules. i provided them with the USA CREDIT CARE ACT under the XXXX XXXX  protection and this company has don't nothing but ignore it and has been notifying my credit bureau of negs when under cares act if i was on time before i was sick they were suppose to continue reporting positive knowing i was in hospital. I WAS ALWAYS ON TIME UNTIL I GOT XXXX I HAVE NEVER BEEN LATE... I have called fifteen times and they are XXXX that do not speak XXXX they lie and give me the run around I am back at work and capable of paying my bills as usual i need something in writing that i am paying and they are removing these negs due to my affliction from XXXX i can not pay and not have this rectified they will continue to report neg this issue must be resolved and they willl not change it unless i pay them first and i find it so fishy AGAIN I HAVE THE MONEY TO PAY AND HAVE NO PROBLEM PAYING BUT NOT TILL MY NEG IS REMOVED. I SUBMITTED PROOF I WAS HOSPITALIZED THEY EMIALED ME BACK CONFIRMING RECEIPT AND THAT THEY WOULD REMOVE THE NEGS BUT THEY HAVE NOT REMOVED THEM AND ITS HURTING MY ABILITY TO MOVE FINANCIALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
The closing date for the XXXX XXXX mortgage was XX/XX/XXXX for loan # XXXX. At the time of closing {$2100.00} for six months of prepaid property taxes was collected. The amount was not credited to the account which is administered by LoanCare. I advised XXXX XXXX on XX/XX/XXXX and escrow ticket # XXXX was opened to address the issue. On XX/XX/XXXX I received an escrow statement showing a short fall in the escrow account because the lender failed to apply the collected funds. I have contacted XXXX XXXX and LoanCare several times and provided documentation ; however they have refused to resolve the issue. I contacted the settlement company, XXXX  XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX XXXX confirmed the tax funds were collected at the time of closing and the funds were remitted to XXXX XXXX. As of XX/XX/XXXX, XXXX XXXX and LoanCare have not yet applied the funds. Instead, the XXXX escrow payment has been raised from {$330.00} to {$490.00} per month to cover the shortfall when there should be an excess of {$780.00} in the 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 explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: GA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation