vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wallet and a cell phone were stolen from my car 2 months ago. I immediately reported to credit card companies. The thief used my cards to purchase expensive items. I filed a police report soon after. There were 6 credit cards/debit cards in my wallet. All companies gave me credit back for the fraudulent usages but Bank of America Mastercard has refused to give me credit for the charges totaling {$17000.00}. They said they did not approve my claim because the charges were made " by the guarantor and/or authorized user ''. I am the only such person and I did not make the purchases nor I did not authorize such usage to anyone. I provided all necessary information including the police report. I went through this struggle with the credit card company 3 times already and they do not seem to budge and they are trying to force me to pay for the obvious fraudulent charges. I need help from your bureau.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I contacted Transunion via phone on XXXX XXXX to confirm the request to remove fraudulent inquiries that I have reported several times in writing. They stated these inquiries would be removed yet they were still present as of XX/XX/2023. I called to reinstate my request these inquiries were fraudulent.

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 2023-03-09 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: V and H Portfolio
State: CA

Complaint narrative:
This account does not belong to me. XXXX XXXX XXXX are trying to collect money in a fraudulent way. I have no knowledge who they are. They have threated me in the past and im already fed up with them I will be pressing charges on them for Personal Abuse and Threating and Intimaditing People. I would like for this account to be removed from my Credit Report please. They only affecting my Credit score with their false statements and information against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
See attached

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 2023-03-09 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: FL

Complaint narrative:
Not long ago, I obtained my credit report and discovered that my identity has been compromised. This regrettable occurrence has had an adverse impact on me, given that I am presently in the middle of purchasing a new residence for my family. I feel deeply distressed by this experience and am seeking your immediate aid to eliminate the fraudulent accounts from my credit report. All the necessary documentation has been provided for you perusal. Thank you. Please see attached

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Not long ago, I obtained my credit report and discovered that my identity has been compromised. This regrettable occurrence has had an adverse impact on me, given that I am presently in the middle of purchasing a new residence for my family. I feel deeply distressed by this experience and am seeking your immediate aid to eliminate the fraudulent accounts from my credit report. All the necessary documentation has been provided for you perusal. Thank you. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
Upon checking my credit reports I found a new collection from Caine & Weiner on behalf of XXXX XXXX XXXX, XXXX. I never received notice to dispute this collection as it is a fraudulent charge and would have immediately disputed it. Caine & Weiner is likely aware of the dubious nature of the company and their charges and that is why they conveniently failed to send the proper notice before preceding to damage my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Lockhart, Morris & Montgomery Inc.
State: NM

Complaint narrative:
On XX/XX/23 I submitted a complaint through CFPB on XXXX and have not received any closure on the complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: TRUIST FINANCIAL CORPORATION
State: WV

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 usc1666B : 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 explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
I have a usda mortgage with planet home lending. This company removed my option to make a payment online. As I was trying to make a payment the portal said I had a payment scheduled ( which was also false information ) this company intentionally took my right to pay so it could be reported late. My rights where violated because I wasnt allowed to make a payment. They Reported it to the credit bureau as a late payment. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
To Whom It May Concern, Thank you for taking the time to review this formal complaint against Lennar Homes, Lennar Mortgage, and Lennar Title for fraudulent, dishonest, and misleading information in my home purchase and mortgage process. 

I purchased a new construction townhouse that was built by Lennar and located at XXXX XXXX XXXX ; XXXX XXXX, FL XXXX in a community called XXXX on XX/XX/XXXX. 

During the home purchase process, in the Closing Disclosure, and beyond, we were provided inaccurate figures for HOA and neighborhood dues that would have changed my buying decision. I would have purchased elsewhere if I would have known the full scope of the fees. These are the fees that were disclosed to me : Club membership : {$3700.00} one-time fee Yearly Community Development District Fee : {$160.00} monthly Homeowner 's Association dues for townhomes : $ 240 monthly Homeowners Association dues for lagoon maintenance : $ 100 monthly In addition to these fees, there was a $ 115 monthly fee ( which has since increased to $ 187 monthly ) that was never disclosed to me. 

When my husband and I went to get the amenities keys from the neighborhood amenity center, the associate on staff asked us to meet the director. The director told us that they would not provide us with amenity keys because we did not make a payment. We told her that we did the HOA payment, but she told us the missing payment had nothing to do with HOA. There was an additional {$180.00} per month payment for amenities that we were never informed of ( it was {$110.00} in XXXX and increased to {$180.00} in XXXX ). 

The director told us this fee was mandatory whether we had been informed of it or not, and she took our credit card details. 

We were totally surprised as we at no point were informed about this monthly {$180.00} payment by the builder, mortgage company, or title company - all of whom were Lennar.

We honestly already thought the fees were extremely high and would not have bought this property if we would have been informed about the additional funds we are having to pay now. This is adding a financial burden on our family.

With Lennar being the builder, lender, and title company, I don't know how we would have possibly known about these additional fees, and that is truly fraudulent, dishonest, and misleading on their part. The director at the neighborhood amenity center said that other Lennar customers are facing the same issue, and they have left the amenity center crying and upset. 

I've attached supporting documentation for this. I was under the impression that all fees have to be disclosed in advance, prior to closing. Would you please advise if this is the case? If so, how can this be rectified financially with Lennar? 

Thank you, 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 explanation
Consumer complaint received 2023-03-09 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: TX

Complaint narrative:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 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: OneMain Finance Corporation
State: TX

Complaint narrative:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: MI

Complaint narrative:
I hired XXXX XXXX XXXX XXXX to ghost my credit from XXXXXXXX XXXX while theyre lawyers worked to get myself and XXXX XXXX out of a fraudulent timeshare, and XXXX and XXXX both cooperated but Experian , even after speaking with them over the phone, refused to remove the XXXX XXXX account from our credit report. Ive submitted multiple disputes with information regarding the litigation and how the timeshare is to be removed. I just tried submitting another dispute but Experian is not allowing the dispute to go through - our lawyers were successful in removing the timeshare account from our names, so the account is no longer our responsibility. We have been relieved from past due/future payments and fees. I need Experian to accept this because we need to buy a house for our little one to live in soon, and I am sick of battling Experian. I already went through a year of battling the timeshare company for being lying, manipulative, fraudulent crooks. Please correct/remove this account from Experian.

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 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Me. XXXXoper mortgage company has failed to pay my property taxes. I have called me copper 4 times and they had the wrong parcel number. I have provided emails with copies of my tax statement and they still have failed to pay my property taxes. 

I have received a delinquent tax form from my city. Mr cooper said they paid the taxes but could not prove payment and provided the wrong tax amount. 

Mr cooper then told me that the county was responsible for paying the late fees and that I would have to dispute the late fees with my county. 

I then was transferred to the compliant department on XXXX and hung up on while on hold twice. 

Mr cooper is now saying the taxes will be paid 3 months late and I will have to dispute the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
first collection resources is attempting to collect alleged debts owed on behalf of XXXX XXXX. XXXX XXXX has informed me that a third party was used to gather my personal information. no transactions between me and XXXX XXXX ever occurred. no transactions between me and first collections ever occurred.no transactions from me and XXXX XXXX  ever occurred. The policy was written by XXXX XXXX, underwrritten by XXXX XXXX XXXX. By XXXX XXXX own admission they used a third party ( XXXX XXXX  ) to collect my information and now is using a fourth party ( first collections ) to attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed XXXX XXXX XXXX, Date : XX/XX/XXXX inquiry with Equifax and XXXX, Date : XX/XX/XXXX inquiry with XXXX as I did not authorized the inquiries. The first dispute letter was sent on XX/XX/XXXX and the second on XX/XX/XXXX. Afterwards, I disputed the same inquiry online. They responded to the online dispute by stating they were able to verify this inquiry. 
But how is that possible? 

1 ) I did not apply for credit from XXXX and/or XXXX on XX/XX/XXXX. 

2 ) I did not receive nor was I denied credit from XXXX and/or XXXX on XX/XX/XXXX. 

To assist the bureaus ' further investigation, I attached the screenshots of my customer account with XXXX, which clearly shows that I do not currently have and never had any credit account before with this company. Moreover, the screenshots also show NO pending or NO DENIED applications for any credit product they currently have. 

Moreover, on the same day of the inquiry, XX/XX/XXXX, I contacted the XXXX XXXX Department ( XXXX ) and informed about the unauthorized inquiry on my credit report, telling them that I did not apply for a credit card with their company. Since then, they havent done anything, thus violating my rights under FCRA. 

Please see attached the disputed inquiries as well as screenshots from my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: CA

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 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : XXXX XXXX LL XXXX, Account name : XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 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 2023-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: IL

Complaint narrative:
Requested verification of debt. Did not receive any response within appropriate time. I told them that I have not received the verification of debt, but they keep on harassing me. 
At TrueAccord Corp., we understand that money might be tight right now. Just tell us about your circumstances or set up a payment plan that works for you to pay your {$1600.00} balance with XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX ( XXXX ) account ). 

Even if you can't pay, we need to hear from you soon. 


Do what you can This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Please read below for important disclosures. 


Copyright 2023 TrueAccord Corp . 

XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ( XXXX ) XXXX ( XXXX XXXXXXXX ) Office Hours XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXXXXXX Your TrueAccord account number is : XXXX Click here for more information about your balance Not ready to pay? Get help managing your debt. 
Unsubscribe Dispute this debt Privacy Policy Log in to your account We collect personal information to provide our services. We do not sell personal information. Most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. For more details on how we use, share, and delete personal information see our Privacy Policy. 

This was originally an account with XXXX XXXX XXXX ( XXXX ), account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url : http : //go.trueaccord.com/XXXX_glb

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Someone wrote a fraudulent check in my account for XXXX $ i inform after 5 days tha bank by phone and they promise me they will open an investigation After I didn't receive any action I call again XX/XX/2023 and they send me a letter that they will not credit back the fraudulent charges because the claim is reported after 30 days The claim number with Citibank is XXXX XXXX I need to credit back this money asap I was a loyal customer of Citibank for more than 20 years

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