vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CA

Complaint narrative:
I XXXX XXXX do not owe this company any money. I do not have a contract signed. Im dispute this account before they try to place it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I received a check in the amount of {$2500.00} from the California state Controllers Office, which I received as I was a recipient of the XXXX XXXX education and training grant program. I deposited that check via the Bank of America app the same day on XX/XX/2023. XXXX XX/XX/XXXX I was notified that there will be a hold on the deposited check and the hold would be released and funds available on XX/XX/2023. On XX/XX/XXXX Bank of America sent me a letter that explain that they decided to close my account, which was because of suspicious activity related to the {$2500.00} check deposit. They claim that the check was invalid, and that I committed fraud. Bank of America finalized my account closure on XX/XX/2023. My balance is over {$2200.00} but Bank of America is claiming that the {$2500.00} check was deemed invalid and fraudulent, and therefore Bank of America will not be giving me the rest of my funds in my account. I contacted the California state controllers office, and they verified to me that the check was indeed cashed. The check is legitimate, and I have provided many alternatives to verify the check including providing documentation of me being awarded, physical copy of the check, the California State Controllers Office ( which is the agency that issued me the check ) to no avail of resolving the problem. Bank of America is illegally withholding, my money, and I demand that my money be given to me immediately.

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 2023-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/2023 : owned accounts between Wells Fargo Bank-checking and XXXX XXXX XXXX XXXX XXXX were linked for electronic transfers per Wells Fargo process . 
XX/XX/2023 : {$1000.00} transferred to XXXX from Wells Fargo. Transaction credit never acknowledged by XXXX. Trace ID provided by Wells. 
XX/XX/2023 : Spoke with XXXX on-line help to see why the deposit was not reflected in my savings acct. Spoke with Wells Fargo on-line transfer help line to see why deposit to XXXX was not made. Initial claim generated with Wells Fargo Claims Dept. Claim XXXX XXXX 
XX/XX/2023 : Wells Fargo closed claim per " miss-applied funds '' by XXXX. Wells went into my XXXX savings account and transferred {$1000.00} back to Wells account to close the claim. The original {$1000.00} transfer was never shown as a credit to my XXXX. 
XX/XX/2023 : FDIC Case XXXX XXXX filed on-line via the FDIC web site. 
XX/XX/2023 : Wrote a claim letter to XXXX at their XXXX XXXX XXXX Claims office for the missing {$1000.00} electronic transfer deposit from Wells Fargo. 
XX/XX/2023 : FDIC Case XXXX XXXXXXXX was referred to : The Office of the Comptroller of the Currency - complaint completed on-line Case XXXX XXXXXXXX. 
XX/XX/2023 : received a dated letter from the OCC Consumer Assistance Group referring my case to : Consumer Financial Protection Bureau. 
XX/XX/2023 : completed a complaint on-line with Consumer Financial Protection 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 2023-03-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX put us on a payment forbearance plan that started XX/XX/22 and ended that XXXX. We were advised that due to a medical hardship, we did not have to make any payments during that time ( see attached documents ). When the time came to pay, rather than the payments just picking up again, XXXX XXXX now considered us as months past due. Whereas they had, in writing, advised that no payments were to be made, they actually were counting each of those agreed upon months as past due. We have disputed both through the credit reporting agencies and with XXXX XXXX  to have the past due payments removed from our credit report, but XXXX XXXX  continues to say their reporting is valid.

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 2023-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HARTFORD FUNDING, LTD
State: FL

Complaint narrative:
It all started in the summer of XXXX. I was referred to XXXX XXXXXXXX at Hartford Funding. He sent a pre approval letter for in XXXX of XXXX. 

We found XXXX XXXX in XXXX FL in XX/XX/XXXX and planned to sell our home. It didn't, and we decided to go through XXXX for a mortgage and rent our home instead in XXXX of XXXX. The sellers gave us an extension to XX/XX/XXXX. We put down {$5000.00} for a deposit to buy the home. 

The entire month of XXXXXXXX XXXX had all of our documents, and never submitted them to the underwriting. My realtor XXXX ended up getting in touch with XXXX XXXX boss, XXXX XXXX, in order to get things expedited. Now everything ends up being submitted to the underwriters. XXXX was upset. Yet another extension from the sellers. 

The sellers agreed with another {$5000.00}, and we had to agree to forfeit the deposit if the loan didn't go through. I agreed due to the fact that both XXXX  and the supervisor insisted that we would get the loan. 
Ira emailed us a closing disclosure within days of the final closing date of XX/XX/XXXX. 

Then at the last minute XXXX  and XXXX told us we couldn't close due to the investors guidlelines. In order to get our {$10000.00} deposit and {$95.00} for inspection/appraisal that we lost XXXX told me that I should put a lien against the property. I sent the sellers several letters to ask for the money back. They would not return the money. My lawyer said I can't put a lien on the house. 

Coincidentally on XX/XX/XXXX XXXX  sent another pre approval letter for more money than before, after it was too late. He had found a new investor that would approve us, and he asked that I not involve his supervisor. Once again, no loan. Then again in XXXX of XXXX XXXX again sent us a new pre approval letter. Once again, no loans were provided. 

I want my {$10000.00} deposit and {$960.00} appraisal/inspection back. They are not competent, and I would like for the licensing department to be aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a loan online. Filled out my personal information, REPEATEDLY. Then, they said they needed my credit score and said if I didn't know it, I could get it for FREE, here .... and they had a link to click on that took me to Equifax. Again, I had to give all my personal information. I finally get to the last page that says they have my credit score ready, but before they will give it to me, I must give them my credit card # and info and get membership and pay {$1.00} now. That is not free. I don't want membership in anything, especially anything to do with Equifax because this is the 4th time I've encountered their fraudulent and deceitful *get your score for free* scam. The same with XXXX saying they will raise my score by XXXX points if I download their app. I don't get how this is even legal. It's so deceitful. Giving me a higher score for merchants to see and believe my credit rating is higher than what is should be is so dishonest. If people don't deserve a certain score, giving it to them because they downloaded an app is just shocking to me. I'm not sure about XXXX, but all 3 are always listed on the *free-not free* free credit report page.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
My account was hacked and someone was able to change my pin number. They also emptied my savings account into my checking account. They spent XXXX dollars at XXXX in XXXX New York. I live in XXXX Texas so that is about XXXX miles away from me. They also spent XXXX at XXXX XXXX  and tried to spend XXXX dollars at XXXX. Chime ( XXXX ) declined the charges at XXXX and also refunded the XXXX from XXXX XXXX. They recently sent me a email saying they denied my dispute of the XXXX dollars at XXXX. I have never even been to New York and I actually made a purchase on my credit card I have with chime less than XXXX minutes before these charges occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: NV

Complaint narrative:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
The total balance is {$5500.00}. I sent out a VALIDATION OF DEBT on XX/XX/XXXX23, a NOTICE OF FAULT / OPPORTUNITY TO CURE on XX/XX/XXXX, and a NOTICE OF DEFAULT / CERTIFICATE OF DISHONOR on XX/XX/XXXX23 along with an AFFIDAVIT OF TRUTH. I requested validation of the alleged debt made pursuant to the FDCPA laws, listed my terms in my documents, and they provided no proof that there is a valid debt owed. I received a notice from the company on XX/XX/XXXX23, which simply stated that they had conducted their own investigation and the debt was valid. The credit card company closed my account on XX/XX/XXXX2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 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: FL

Complaint narrative:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Hi. Im filing this complaint in reference to my loan that I reinstated and had a lot of outrageous charges. Since pandemic i struggled to make payments. I tried loan modification several times but SLS says they never got a complete package. The fees, attorney fees amount was extremely high for the reinstatement. Even though foreclosure never happened those fees are outrageous. I talked to a rep in XXXX and the amount to reinstate was $ XXXX, they attached alot of unnecessary fees to make it over {$17000.00}. Im requesting that SLS reduce all those unnecessary corporate fees, attorney fees and other fraudulent fees and credit that towards my principle balance or send me a check for the fraudulent charges that was added to my account. I borrowed over {$170000.00} from family member to reinstate my loan. None of that went to my principal balance because its still the same as it was when I fell behind due to the pandemic. after I made a XXXX payment. Those funds should have brought my principle down from what it was in XXXX of 2020. My balance is still the same.

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 2023-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  ( XX/XX/XXXX ) and XXXXXXXX XXXX ( XX/XX/XXXX ) made a hard pull on my credit report of TransUnion without my consent.

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 2023-03-28 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2023-03-28 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: FL

Complaint narrative:
TODAYS DATE:XXXX  XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 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: FL

Complaint narrative:
TODAYS XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX Consumer Solutions, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA co

uldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

SANDS, MICHAEL SOC SEC # 59XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation