vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
To whom this may concern, my XXXX XXXX was hacked and money was fraudulently transferred out of my bank account into " XXXX XXXX  '' then wired from apple pay to another account that lists " cash card '' which is a XXXX XXXX card. I do not have a XXXX XXXX  account and the card they sent it too was added it the account and then immediately removed. XXXX XXXX ( XXXX XXXX  Bank ) should have been able to recover that information to get the card holders name and billing address because in order to even add a card to XXXX XXXX  that information is required. I have a contact that specialize in computer and science and a name of " XXXX XXXX '' of Georgia was recovered. My name is XXXX XXXX of XXXX, NY so why XXXX XXXX allowed someone to add a card with a different card holder name and address is beyond me. I then did my own investigation and found a social media account that clearly shows is scamming people. The phone number on the social media page is a number that was found in my text messages saying " ok ''. I did not authorize none of my money let alone ALL of my money to be removed from my account. XXXX XXXX  refuse to reimburse my money back so I filed a dispute with Chime XXXX XXXX XXXX  ) because that's were the funds initial came from. Chime also denied my dispute. I sent over a police report along with the screenshots of the social media account and they also have the history in account showing I NEVER move all of my money out of my account as soon as I get paid. I pay my bills through my account as well as store money in my savings. For them to not see this is unusual activity is beyond me. XXXX {$1000.00} payments were transferred they even moved the money out of my savings account! This was 4 days before XXXX! Chime is not thoroughly investigating as they deny the despite within a couple hours of it being submitted and refuse to provide documentation being used to where they are coming up with the conclusion that " no error occurred '' same for XXXX XXXX. Someone should not be able to successfully steal all of my money and get away with it. After this complaint I am also filing a complaint with the XXXX XXXX XXXX as well as the Federal Trade Commission and if no resolution I will go to XXXX and file a lawsuit against these bank companies who are covered under FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery obtained a judgement for a debt I do not believe is mine in XXXX of XXXX. They have the last name XXXX on the debt, that was a former name from a prior marriage. They did so without ever notifying me they were suing. I have worked for the same employer from XXXX  to present. Portfolio has sent several communications to my employer in XXXX   demanding my wages be garnished pending suit for garnishment, copies of which I now have. I contacted Portfolio in XXXX, upon receipt of the copies provided to me by my employer. I was told the debt was for a XXXX XXXX credit card. I explained I have a XXXX  XXXX credit card in good standing and I use it often, I told them I didn't believe the debt was valid. I drafted a letter asking for proof of debt and sent it with tracking on XX/XX/XXXXXXXX  to two addresses. XXXX  to XXXX XXXX XXXX, XXXX VA and XXXX to XXXX XXXX XXXX, XXXX VA because one address was on the correspondence I have but the representative I spoke with gave me a different address, which I repeated back to him and he verified. To ensure it was received by them, I sent it to both addresses. Portfolio received the letter requesting proof of debt, but never responded. I didn't receive proof of debt. Today, I received a copy of another attempt to collect that was sent to my employer 's attorney. It is my understanding that if I dispute the debt, they must provide proof of debt and until they do, must stop attempting to collect the debt. My employer has been notified now twice and it is not just frustrating but also embarrassing. I believe they are purposefully trying to aggravate the situation. I am preparing to send a response to them that I intend to mail with tracking tomorrow. In it, I advise them I am making a complaint to you. 

I think this debt may belong to my former spouse from a debt claim that occurred before I married him. We have since divorced. I can not verify this because Portfolio Recovery Associates , LLC, has not provided me with proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We applied repeatedly to Wells Fargo Mortgage Services, aka Wells Fargo NA, Company for mortgage modification for 4 years, and were repeatedly denied during that period of time. We provided all financial and hardship documentation repeatedly and as requested by Wells Fargo Mortgage Services. This described period of time occurred from XX/XX/XXXX to XX/XX/XXXX, the first full year of applying was pro-active on our part prior to missing any mortgage payments. During the full XXXX years of applying for the modification, documentation provided to Wells Fargo was repeatedly 'lost ' by them or expired due to lack of processing by them. Provided proof of income was miscalculated by Wells Fargo numerous times. Attached herein in .pdf format is 48 pages of documentation applicable to this complaint. Post bankruptcy, we filed a complaint with the Colorado Attorney General 's Office. On our behalf, the Colorado Attorney General inquired directly to Wells Fargo concerning our mortgage modification denials. Wells Fargo then offered us a temporary trial modification which we agreed to and fulfilled. After the temporary modification, Wells Fargo denied us a permanent modification, and, as reason for denial, presented bogus title encumbrances, which we were able to immediately disprove. The Colorado Attorney General 's Office immediately escalated our case and, as a result, Wells Fargo offered us a permanent modification. We were required to sign a promissory note to Wells Fargo in the amount of over {$90000.00} as a condition of modification approval. Another 10 years was added to our mortgage at an interest rate of 5.375 %. We believe had we not been denied the mortgage modification due to Wells Fargo and its employees negligence in not correctly and properly applying our correct income and allowing our modification application to continually expire without proper processing, the {$90000.00} in arrears would never have accumulated. Nor would it be currently attached to our current modified mortgage as a forbearance. This forbearance stripped us of the equity in our home, and it caused us undue duress and hardship. Please see attached .pdf file for full documentation and dates related to our complaint. Thank you.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
On my XXXX report, It shows that I was late on the Real estate loan payment ( the very XXXX payment back in XXXX of XXXX  ). I was never late on the payment and it was supposed to have been corrected of the issue but it was never corrected.

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 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This morning I received an alert from my identity monitoring that I had an negative report on an account. XXXX reported that I was more than 30 days past due on a credit card from Commenity Bank. The card was called XXXX XXXX I do not have such a card. 

After I logged into the credit monitoring, I saw that it was also on my XXXX credit report. I contacted Commenity bank and after telling them my personal information, they verified that I do not have a XXXX XXXX account. I asked them to send me a email stating this as the dispute process asked for these kinds of letters. She refused to do this. She also said it was a credit bureau mistake. But why was this sent to all three credit bureaus if an individual credit bureau made a mistake? 

And right after the phone call XXXX notified me that Commenity bank was reporting me as being two payments late on a XXXX XXXX  Credit Card. 

Commenity Bank IS reporting this to the bureaus regardless of what they are telling me. Please make them stop and make me whole. My credit score dropped XXXX points over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: EQUIFAX, 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
GoodLeap, formerly Loanpal is a finance technology company that provides financing options to customers of other companies, especially to solar energy installers ; https : //goodleap.com.

GoodLeap will not provide me with statements or information concerning my account. This is possibly a deliberate, system wide, policy to confuse GoodLeap customers and prevent consumers from paying off their loans on time. 

Failure to pay off the loan balance within the promotional period will trigger a 15.49 % interest charge for an entire year. Therefore it is greatly in GoodLeaps interest to have confused consumers miss their promotional deadline. 

In XX/XX/XXXX my HVAC contractor installed two new HVAC units and convinced me to use GoodLeap to finance the {$24000.00} plus bill. GoodLeap created my account as follows : Account Number XXXX deferred interest rate 15.49 % Maturity Date : XXXX/XXXX/XXXX  Promotional Period End Date XX/XX/XXXXXXXX  First Payment Date : XX/XX/XXXX Inder the terms of my GoodLeap loan no payments were required for one year and no interest was charged if full payment was made by the Maturity Date. If the loan was not paid off in full by the Maturity Date, the customer is charged 15.49 % on the entire loan amount for the entire previously year. 

Obviously GoodLeap enjoys no benefit if the loan is paid off by the Maturity Date. Obviously GoodLeap enjoys considerable benefit if the loan is not paid off by the Maturity Date. Therefore it is in GoodLeaps interest to confused consumers by not providing timely account information. 

On numerous occasion I logged into the GoodLeap webpage to see my loan balance and payment history. Most recently I did this on XX/XX/XXXX. When my loan information was unavailable I telephone GoodLeap. The GoodLeap steered me to the webpage where monthly statements are available. I pointed out these statements do not show the original loan amount, the principal paid to date, and the remaining principal. The GoodLeap agent said my monthly statements showed {$0.00} amounts because I had not made a payment.

The GoodLeap agent said the GoodLeap webpage did not have a place where I could access my original loan amount, the principal paid to date, and the remaining principal. In my opinion, this basic information should be easy to access and readily available to consumers ; it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: EQUIFAX, INC.
State: IL

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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a WELLS FARGO ACTIVE CASH VISA CARD. It has a positive balance of {$360.00}. I don't want to use this credit card as they didn't handled my dispute very well. So i called and talked to XXXX today. I asked him to send me the money by check at my address. For which he refused. He said that I need to use the credit card. I am without job now and I want this money. It's legitimate money that I am asking and it's my money. I had XXXX disputes and only dispute gets rewarded in my favor.

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 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
To whom it may concern : XX/XX/XXXX  Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On or around XX/XX/XXXXXXXX   I applied for a credit card with GOLDEN 1 credit Union. The bank asked me to verify myself by going into the branch with proof of ID, residency and taxes. 

On XX/XX/XXXXXXXX  i did just that. I visited the branch and met with the personal banker ( see attached business card/docs ). The rep XXXX XXXX ( member XXXX XXXX  XXXX ) assisted and verified that the " BACK OFFICE '' received all requested docs. 

Since then the bank closed my acount. I have called repeatedly and I keep getting told my remaining funds will be sent within 7-10 days. This was before XXXX ( the new year ). I called recently about 2-3 days ago and I was told " XXXX XXXX XXXX DECIDED I AM NOT ENTITLED TO THE FUNDS IN MY ACCOUNT '' and told me to contact the people who wrote me the checks to file a claim with theiir bank. HOWEVER< these checks have been cleared and negotiated back in XXXX and XXXX XXXX and one check was a cashiers check which CAN NOT even be claimed once cashed. 

I WANT MY REMAINING FUNDS SENT TO ME ASAP. It is illegal what this bank is doing

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 2024-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sierra Holdings LLC
State: TX

Complaint narrative:
Correct date the loan was open, the master copy of legal papers. Most documents you receive are simply a scan, photocopy, or printout of the pages that were filed at court.The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Acct. # XXXX Date : XXXX XXXX XXXX Attn. : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED CHARGE- OFF ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized Charge -Off on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my Experian consumer credit report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA* ) codified at 15 U.S.C 16186 ( a ) 3 ( 1 ) ( i ). Chester v. Purvis, 260 F. sup 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with XXXX XXXXXXXX furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review for collection. 

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C.168In ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via certified funds to Name, Address, City, State Zip code Best Regards, 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 2024-01-11 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: OH

Complaint narrative:
this is my SECOND time disputing these accounts that does not belong to me and not sure what is the hold up on processing my dispute here are the accounts : XXXX XXXX  # XXXX I have a legal right to dispute anything on my credit report that does not belong to me I AM NOT A LAWYER AND THIS IS NOT A THIRD PARTY REP. I have request documentation from the following collections agencies and Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
this is my SECOND time disputing these accounts that does not belong to me and not sure what is the hold up on processing my dispute here are the accounts : XXXX XXXX  # XXXX I have a legal right to dispute anything on my credit report that does not belong to me I AM NOT A LAWYER AND THIS IS NOT A THIRD PARTY REP. I have request documentation from the following collections agencies and Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX. I noticed ( ONE ) late payment on XX/XX/XXXX that was supposed to be on time reporting. I had a direct conversation and talked about " I wouldn't be marked late because I had a financial hardship during the Covid 19 Pandemic. I sent a letter directly to TransUnion in hopes of having this fix. I was told that EVERYTHING is reporting correctly, but it is not or hasn't been corrected. Would you please help me with this situation. This one late payment affected me being qualified for being approved for a VA housing loan. Please understand, it is one just one late payment. As you view my payment history attached to this complaint. It will show that even after that 30 day late payment on XX/XX/XXXX. Thereafter EVERY single payment was made and reported paid as agreed. 


Thank you

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