vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Monday, XX/XX/year>, I attempted to make a time sensitive purchase totaling {$790.00} for my upcoming birthday trip. I was then prompted to complete an additional verification, which I did. I was prompted to complete this verification 5 more times with no purchase approval given. I responded yes to all additional automated texts inquiring if I was making the purchase. I checked my account to find it was debited almost {$2000.00} and I had yet to make a successful payment. Out of the 6 attempts that I approved, the following day BOA decided to release one of them. Due to this purchase being time sensitive the package I attempted to purchase was no longer available but BOA sent the funds AFTER the deadline, although I attempted to make the purchase PRIOR to the deadline. This was the last and most important purchase of my trip ( lodging ). Now due to this hardship not at my fault I have to cancel and restructure my entire birthday trip. This is EXTREMELY inconvenient and financially disheartening as I have lost a substantial amount of money due to the negligence on BOAs part. I am writing this complaint in hopes of finding a resolution. I also find it extremely disheartening that when I attempted to get in contact with the fraud department, the team lead I spoke to gave me the President of retail bankings information instead of another staff that could resolve this one a consumer level. I attempted to go to a physical location where they told me It could be a million reasons why it flagged it and gave no other information, then told me to call fraud department. I am looking to lodge every complaint, close my account and get legally involved with this. Now I am out of thousands of dollars, I have to wait for the payment to post and go through the whole dispute process with a merchant in another country and can not access my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX of XX/XX/year>, I found a XXXX market place add for a rare used book about XXXX. I've paid seller {$300.00} and expected him to ship it the same day. Later that day the seller started asking for more money before he will ship it. I asked to refund it and cancel the deal. They refused and kept insisting on sending more money. At that point I realized it was a scam- they likely never had the book and had no intention to ship anything. On XXXX of XXXX I contacted Venmo about it. They refused to assist with anything claiming it was personal transfer ( or something like that ). The seller 's Venmo account also disappeared right after I contacted Venmo ( which suggests they took an action against the seller, since seller still was trying to extract more money from me at that time ). 

At no point it was prominently mentioned on the screen of the app that transaction is non-reversible in case of the fraud. Venmo also clearly was aware it is fraud right away and could stop the transfer, since it was under XXXX hours between the transaction and the report. Yet they refuse to refund, assisting fraudster. If it would be clear upfront about risk of such transactions, I would never use Venmo in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Upon checking my credit report, I have found out that the account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraudulent XXXX I have no association with the above mentioned accounts and address. They do not reflect my factual information and area a breach of my personal information. Please investigate and remove these fraudulent accounts and address from my records immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Well they denied me credit, even though Im the creditor. Then when I called and requested a reconsideration the banker, though very nice, was completely unaware of what was going on. I hope this can be handled outside of court!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Termination of Lease Due to Negligence and XXXX XXXX XXXX XXXX XXXX XXXX Filed eviction when they Moved me to Back of Apartments For Rat infestation and Management was Not in Office to Accept Payments 3 Months After They Moved me. 

Offered Pay and Stay They Accepted.

1. **Rat Infestation** : I endured a documented rat infestation for six months in my initial unit before property management decided to relocate me. The infestation was a serious health hazard and was not addressed in a timely manner. 

XXXX. XXXX XXXX : Upon moving to a new unit, I discovered that the HVAC system was non-functional. Despite repeated requests, this issue remained unresolved from XXXX until my departure in XXXX, making the unit uninhabitable, especially during extreme weather conditions. 

XXXX. **Lack of Security** : The security gate has been non-functional for over XXXX years, compromising the safety of all residents. Additionally, the lack of on-site security has led to multiple break-ins : - My unit was broken into twice, with police reports documenting both incidents. 
- Squatters occupied the unit above mine, resulting in theft and additional safety concerns. 
- During my recent visit to pack up my apartment, I discovered a squatter had taken residence due to the unrepaired window from the first break-in, necessitating another police call. 

XXXX. **Safety Concerns** : As a single woman living alone, I was the only resident in the entire XXXX buildings at the back of the apartments. This isolation, combined with the aforementioned security issues, has made me feel extremely unsafe and vulnerable. 


Due to these conditions, I have been forced to vacate the premises for my safety. I am also concerned about my credit and rental history. I have a balance from the time between reporting the rat infestation and the time I was moved. I intend to pay this balance and have made a {$2300.00} payment today, XX/XX/XXXX. I will return on XX/XX/XXXX, with {$1200.00} more. However, I request that this lease termination does not negatively affect my credit or rental history given the documented negligence and safety issues. 

Please note that I am returning my keys on XX/XX/XXXX. I have been unable to complete a move-out walkthrough with the property manager as they have not been available since XX/XX/XXXX. I would appreciate confirmation of the receipt of this notice and the keys, as well as the outstanding balance and my payment. 


XXXX XXXX ( XXXX ( XXXX ) XXXX ) XXXX Received last Payment on XX/XX/XXXX XXXX balance is satisfied Please contact for question and Answers XXXX XXXX account ( XXXX ) Paid Confirmation ( 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 2024-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Spoke to XXXXXXXX XXXX XXXX in Account Resolution Dept transferred to the foreclosure dept spoke to XXXX XXXX XXXX stated the foreclosure sale date is still set for XXXX 
She advised there was no application for mortgage assistance. Again I'm being misled asked to be transferred to the XXXX XXXX to XXXX he advised my application is now being reviewed by the underwriters. He advised me to call back I asked about postponing the foreclosure sale date while it's in review, because CFPB rules says if a mortgage assistance application is in review all foreclosure action is to be put on hold and because sale date is not canceled this is a violation. He advised Wells Fargo foreclosure dept will not postpone foreclosure sale date. The review is nearing the complete stage for mortgage assistance. I have not received foreclosure letter from Wells Fargo or the foreclosure attorney with the foreclosure sale date. Why was I not notified of the sale date for my home. I am not being treated fairly by my mortgage servicer I don't want to lose my house to foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I opened an account with Marcus by Goldman Sachs online bank through a link from my brother so we both got a higher interest rate on savings accounts for a period of time. I linked 5 of my savings accounts with Lakeland Bank to 5 accounts with Marcus and transferred a total of {$28000.00} between the XXXX accounts. In XXXX I received an email that something was changed with my Marcus account, but I knew I had not logged in and done anything in some time, so I logged in to find a message that I was temporarily locked out of my account. I called Marcus and was told my accounts were closed, they could not tell me why, and my money would be transferred back to where it came from within XXXX business days or a check would be mailed to me. I never received the money so when I called after the XXXX business days, they told me it was still being reviewed. At the end of XXXX I received statements for each account showing interest received. At the end of XXXX I received statements for each account showing interest received and then letters for each account saying my accounts were closed, but still no money was returned to me. They tried to tell me in a XXXX way call with my bank that I needed to recall the funds. I have been told each time I call either that the money will be transferred back to me or that they are opening a case and I will receive a call from Marcus and neither ever happens. On XX/XX/XXXX, I was told they will not speak to me or answer any questions about my accounts or money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Reviewed My Consumer Reports Recently and Found That My Rights Were Being Violated Under the FDCPA. There Were Debts On My Report That i Did Not Give Permissible Purpose to Furnish My Information, which is in violation of the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number : XXXX, a collection account XXXX XXXX XXXX ( original creditor XXXX XXXX for a fraudulent credit card ) on XX/XX/XXXX under the account number : XXXX, and a credit card collection account XXXXXXXX XXXX  on XX/XX/XXXX under the account number : XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud. FTC identity theft report for all of the 3 mentioned accounts is in the attached document. I have also included a related local police report from XXXX XXXX POLICE DEPARTMENT whereas an individual used a fake ID with my information and their picture to fraudulently open a bank account in person, this is suspected to be the same individual who has stolen my identity with the aforementioned accounts. I have included a copy of my Drivers license and Social Security card to validate my real identity. All of the mentioned information is included in the attached PDF document.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
I am writing to bring to your attention a concerning matter related to unauthorized inquiries on my credit report. On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I received notifications of inquiries initiated by auto loan providers, despite being pre-approved for respective financing arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I get calls from Portfolio Recovery multiple times a day from early in the morning to late at night and they continue to call me from multiple numbers and harass me daily

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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.

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 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 informationisinaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXas violated my rights. 

15 U.S.C. 1681section 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 conviction 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 imformation 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