vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received the following notification on XX/XX/XXXX : As we previously communicated to you, we applied a temporary credit* to your account during the week of XX/XX/XXXX for {$270.00}, and {$410.00} on the week of XX/XX/XXXX to help you have access to your stimulus payment since your account had a negative balance on the day before it was deposited. On XX/XX/XXXX, we will reverse the temporary credit and deduct the amount from your account. It is important that you prepare for the reversal of this temporary credit. 

Upon notification from Wells Fargo, I made multiple calls for an explanation for these unauthorized transactions. They could not even explain the when, what or why justifying this proposed action. After 6 exhausting calls to Wells Fargo Customer Service, I learned these aforementioned credits were given without my knowledge, prior authorization or request on XX/XX/XXXX and XX/XX/XXXX. 

I was never informed of this action. Nor was I ever advised or consented to the preconditions surrounding the proposed bank remedy. And when these funds would be withdrawn from my account. 

Now, with only a few days advanced noticed, I will have {$680.00} debited from my account without prior authorization or permission from me. 

I am a XXXX veteran living on XXXX, and on a strict fixed income and can not survive if these funds are withdrawn from my account without prior approval, permission, or any memorandum of understanding or agreement previously approved for Wells Fargo Financial to access my account at their will. 

In addition, the transactions that occurred on XX/XX/XXXX, XX/XX/XXXX and the pending withdraw scheduled to occur on XX/XX/XXXX are all unauthorized transactions executed by Wells Fargo and never consented to. 

Lastly, two unrelated transactions are scheduled to be debited from my account on the same day 5 months later? This is not an ethical banking practice. And attempt to take these unauthorized funds at this time will have dire consequences for me. Thank you for your attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
Experian AND XXXX XXXX needs to follow the consumer Protection Law. I disputed XXXX XXXX XXXX XXXX XXXX services. I filed a complaint against both companies with the superior court of Alameda County based on reporting incorrect information on my credit file and negligence. in XX/XX/2020 XXXX XXXX XXXX attorney reached out to me and we settled because both companies were at fault on a proper loan modification and making correction to my credit file by removing 120 days late. I have asked experience in the past to properly investigate this account. the outcome of the dispute was that's XXXX XXXX XXXX and XXXX XXXX  or reporting it correctly. I believe Experian did not investigate or talk about this matter seriously. I am providing Experian with a court document and settlement with both Banks agreeing to remove the incorrect 120 days late. I'm expecting Experian to follow the law and make corrections to my credit file according to my call document. I was not selected as a XXXX XXXX customer so there is no reason select profile recessed can report me 120 days late. XXXX also refused to take my payments which is clearly stated in my complaint against the company. any of these leads showing on my credit report are not my fault actually I was damaged by XXXX Bank financially by reporting incorrect information on my credit files.

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 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I withdrew XXXX in cash but the atm only had XXXX left. It dispensed XXXX and went offline ( physical BoA atm ) Called and opened claim because account showed XXXX withdrawn instead of the XXXX. 

Claim denied and the rep did not notate the account. Reopened claim and it was denied again with no evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: VA

Complaint narrative:
My credit was pulled back in XX/XX/2020 10 times dates being XX/XX/20 twice on XX/XX/2020 twice in XX/XX/2020 once XX/XX/2020 once XX/XX/2020 once XX/XX/2020 once XX/XX/2020 and once XX/XX/2020. I found this out by checking my credit report ( in which I do twice a year ). After seeing that, I put a lock on my credit. 5 Months later I get a notification on my report stating I owe {$8000.00} from a company named XXXX XXXX XXXX XXXX. Ive never heard of this company before! I called the collections ( IQ DATA INT ) and got there information for a dispute and they told me I owed this money immediately for an apartment with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX! I told them I went through identity theft and do not live in that area at all and have a police report! they told me that it doesnt Matter I signed papers etc ... ( XXXX was the representative I spoke to ). I explained that I never signed anything Ive been living at my current address for 3 years. I got their information which is XXXX XXXX XXXX  XXXX  XXXX. XXXX XXXX XXXX  XXXX XXXX, WAXXXX ( XXXX ) XXXX ) is XXXX XXXX XXXXXXXX address. I then proceeded to call experian and they told me to contact this website for fraud reporting. Please what can you do to help remove this fraudulent activity off of my credit and restore my points?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im hoping someone can help me with the violations against me. I have sent several letters to TransUnion and XXXX  and my most recent letter has been over 60 days without a response, XXXX  and TransUnion are in violation of FCRA 15 USC 1681a ( 2 ) ( b ).

I never gave any written instruction or consent to furnish this information. Pursuant to 15 USC 1681a ( 2 ). No consent is identity theft, this is a violation and this violation can be fined up to {$1000.00}.

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 2021-05-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
The foreclosure auction was cancelled until further notice. I received statements from the mortgage company stated I can submit a hardship application So I submitted a hardship application on XX/XX/2021 through the mortgage company loss mitigation email address for process but I have not received a response. I've called the Fifth Third bank mortgage company foreclosure / loss mitigation representative three times and no response about my application. I resubmit a second application and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
XXXX  AND TRANS UNION needs to follow the consumer Protection Law. I disputed XXXX XXXX XXXX XXXX XXXX XXXX. I filed a complaint against both companies with the superior court of XXXX County based on reporting incorrect information on my credit file and negligence. in XX/XX/2020 XXXX XXXX XXXX attorney reached out to me and we settled because both companies were at fault on a proper loan modification and making correction to my credit file by removing 120 days late. I have asked experience in the past to properly investigate this account. the outcome of the dispute was that's XXXX XXXX XXXX and XXXX XXXX  or reporting it correctly. I believe XXXX  did not investigate or talk about this matter seriously. I am providing XXXX  with a court document and settlement with both Banks agreeing to remove the incorrect 120 days late. I'm expecting XXXX  to follow the law and make corrections to my credit file according to my call document. I was not selected as a XXXX XXXX customer so there is no reason select profile recessed can report me 120 days late. XXXX also refused to take my payments which is clearly stated in my complaint against the company. any of these leads showing on my credit report are not my fault actually I was damaged by XXXX XXXX  financially by reporting incorrect information on my credit files.

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 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management LLC, kept contacting me, mail & phone trying to identifying me using an incorrect name, to collect on an XXXX XXXX XXXX debt. Then mailed & phoned my parents. Finally placed collections report with the credit bureaus using the wrong name again. 

Filed a dispute and arbitration request with XXXX XXXX XXXX in XXXX of 2020. Additionally mailed Credence Resource Management LLC a cease and desist no contact letter. 

XXXX XXXX XXXX contacted me, and we resolved the issue. Collection reports with credit bureaus were removed. 

3 months later, Credence Resource Management LLC calls me on the phone trying to collect on the XXXX XXXX XXXX resolved debt, after having received a contact cease and desist letter. I claimed fraud to get Credence Resource Management LLC to send me some sort of documentation identifying Credence Resource Management LLC. 

Received documentation identifying Credence Resource Management LLC, and in turn sent Credence Resource Management LLC a demand letter for willful and reckless violations of the Fair Credit Reporting Act as follows ; 1 ) For continued harassment after a cease and desist letter was received by Credence Resource Management LLC. - Harassment - 2 ) Continued collection attempts on a case that has been resolved and forgiven by XXXX XXXX XXXX. - Negligence - 3 ) Heynis misrepresentation, distortion of money owed, to commit extortion and fraud. Outstanding balance was {$260.00}. Credence Resource Management LLC per documentation, was trying to collect {$1100.00}. Over 4 times the original amount. Violates the Fair Debt Collection Practices Act. - Deception - The part that really makes me mad is violating a persons right to privacy, when calling and mailing family members, purposefully causing uninvolved family members duress and conflict as a whole.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 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: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
This is the second time that I have filed this report. I have reached out to the mortgage company regularly and it never gets fixed. I keep getting told that it take a couple of months to get fixed, and to just wait. It has been escalated to a higher level, but it still does not make a difference. My credit report shows that I have never made a payment, when in fact, I have made them. As a result, my credit score keeps declining, and my family and I are trying to move, but because my credit score has become so low, we can not move. 

I am simply asking that the mortgage company make sure that my payments correctly link to my account, and also to go back and have my credit score to reflect the true payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I opened up a secured business card which required XXXX in a cd .was told that when the cd mature which it did on XX/XX/XXXX that it will automatically turn into unsecured. That not the case. Found that it has to go through A '' REVEIW " AND IF I QUALIFY ONLY THEN IT WILL BE UNSECURED. THAT IS NOT HOW IT WAS EXPLAINED NOW I AM CLAIMING FRAUD ON BANK OF AMERICA PART NOT PROPERLY EXPLAINING HOW THE CREDIT CARD REALLY WORKS.

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 2021-05-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
Because I am XXXX and they would not take my payment out of my Debit Card, like the last three mortgage servicing companies, I was forced to leave my home , drive to the bank, stand in line, get a cash advance from my other bank and either buy a USPS Money Order, or a Cashier 's Check , drive to the post office, stand in more lines and mail off a certified letter with the payment inside! All the while in excruciating pain!

When I told them I was going to refinance at a lower rate, they lost the next payment! They claimed that I missed two payments on my VA secured home loan about three years ago, but I did send the money to them in Certified letters that they signed for, but never credited to my account. They hounded me for over a year until I finally filed a law suite against them. They continued to report me late and hounded me for almost three years, and refused to deliver the materials he requested. Their actions caused me great physical and mental distress, huge expenses in both direct costs due to higher interest rates and lost opportunities. I was forced to sell my home to try to get away from them, which I did at a great loss. I could not buy a second home because of their malicious and false credit reporting. If they had not destroyed my credit, I could of had dozens of homes to choose from at then bargain basement prices, but which are now much more expensive, some even double as much! 
If you doubt any of this, call my Lawyer! He has a file two inches thick with my proofs AND all of the exact dates of this entire episode of their terrible actions!

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 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Our home was burnt down due to the California fires. the 1st mortgage insurance paid to fix the home. we offered to short pay the 2nd mortgage and was recently denied ( I was informed XX/XX/2021, as of XX/XX/XXXX I was told that my appeal was under review ... and today I received notification that SPS has put my home up for foreclosure sale on XX/XX/2021. Please help me deal with these people. they told me I was under appeal..and that I was still under covid forbearance protection and now they put my home for sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$0.00}, {$0.00}, {$0.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: LA

Complaint narrative:
Since XX/XX/XXXX I have been trying to get Transunion to simply follow the FCRA laws and ACCURATELY report the information that creditors send them. Unfortunately they are mishandling a system built on ACCOUNTABILITY! 
There are 7 student loans from XXXX XXXX XXXX that remain on my account. All of which look like a special XXXX student reported it. I have proved screen shots with accounts numbers so you can go back on your own and double check. 
XXXX XXXX and XXXX are the only Two late payments that are reporting and they are wrong. How the XXXX can I go from being on time one month to 90 days past due in ONLY 30 days! Then the very next it states I was 120 late. This is done on all 7 accounts and is damaging my score only because XXXX XXXX XXXX isnt reporting correctly AND TRANSUNION IS ALSO REPORTING THE SAME NEGATIVE INFORMATION!!!! 
Each time I submit a complaint they claim they will open an investigation and it only buys them another 30 days because they always respond with the same answer. 
This is my final set before I pursue legal action against BOTH COMPANIES because just because one made an obvious mistake doesnt mention the other gets to lie about verification of a debt! Unless they are above the law! Its been 120 days since my first complaint and response. 
If you read the comments on my Report which I screenshot and enclosed they tried to be a smart XXXX and put that FCRA investigation performed consumer disagrees and thats basically a slap in the XXXX face. How did you verify it if its humanly impossible for time to move that fast? Make it make sense or follow the law and remove this still since I have not received ONE signed agreement Or statement of an account that would prove I was ever late paying this company. It even says NEVER LATE on the credit report. Im sick of them playing games.

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 2021-05-25 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: Fay Servicing, LLC
State: FL

Complaint narrative:
This loan with Faye servicing belongs to XXXX XXXX. XXXX XXXX did not sign the promissory Note or mortgage. Please remove from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My most recent report contains unauthorized inquiries that I would like to get remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: DISCOVER BANK
State: FL

Complaint narrative:
Ive been a victim of identity theft several times. Ive explain that to discover numerous times. They still sending Back letters stating that is valid. This debt from identity Theft is hindering me from acquiring apartment and gaining new lines of credit. Its so unfair to me that Im being forced to pay a debt that I didnt acquire. I wasnt showed a signature or copy that I gave consent to open account with them. I had a fraud alert on my credit report prior of this account been open. The thieves were able to by pass that.Ive submitted the identity affidavit to this complaint please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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:
This loan with XXXX XXXX belongs to XXXX XXXX. XXXX XXXX did not sign the promissory Note or mortgage. Please remove from my 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 explanation