vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 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: 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. 

Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2023-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was traveling in XXXX and my preferred method of payment for XXXX is PayPal and on my PayPal account I have my preferred method of payment selected as PayPal credit. What PayPal didnt notify me was that some international vendors do not accept PayPal credit and therefore instead of consulting me on my backup choice of payment, PayPal picked an account by default and withdrew money from an account that is rarely used and I do not typically keep money in. When they withdrew the fees they didnt withdraw for the amount owed on the XXXX but they only withdrew for Insufficient funds. Therefore, I was unable to remedy this situation before I was negative approx {$810.00} in fees including ( 17 ) insufficient fund fees on XX/XX/2023 of {$37.00} each, ( 4 ) insufficient fund fees on XXXX XXXX of {$37.00} and ( 1 ) insufficient fund fee on XX/XX/2023 of {$37.00}. I had transferred money for a few fees on XXXX XXXX because I was traveling with limited internet access and could not investigate why my account seemed so far in the negative for a small amount of XXXX transactions. When I got home from Traveling on XX/XX/XXXX, I was notified of my account being over {$600.00} in the negative from all the insufficient fund fees being take out. I only saw insufficient fund fees and did not see the transactions. Had PayPal posted the transactions I could have easily remedied the situation and paid the bill before the insufficient fund fees were even taken out. Up until XX/XX/XXXX I had no idea that PayPal credit hadnt worked. I called PayPal twice even speaking to a manager and they didnt seemed concerned with how PayPal randomly chose an account without consulting their costumer or with how they withdrew the money only as insufficient funds. They sent me a letter that I was responsible for forwarding to my bank that request the bank to waive the fees but they fees shouldnt have happened in the first place if they withdrew the original transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-30 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: FL

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/2023 a hold was placed on a third party check XXXX XXXX from XXXX of {$54000.00}. Upon the check clearing funds available then My account was closed and my funds have yet to be returned. I contacted Wells Fargo several times with no avail to fixing the issue Wells Fargo Account

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 2023-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: TX

Complaint narrative:
Contacted by XXXX XXXX from a XXXX texas branch. During this call he stated he needed to verif information for the loan. He requested inform such as my landlords name and phone, the name of the apartments I lived, and stated if I didnt give it to him he couldnt provide me with my loan to be processed or offered credit. He stated it was the policy of the company when I contacted the number on the webpage it was supposedly to the corporate office. When speaking with the customer service specialist she informed she couldnt submit my complaint unless I provide her with my name, address and phone number. On the website it states complaints can be anonymous. These individuals continued to discriminate against and bully me for my information through gaslighting and manipulation while also violating my privacy rights to refuse lending for information is not required to establish a loan. When I complained about I further refused resolved and address of these unethical practices and conduct

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
XXXX XXXX XXXX, the decedent, has a mortgage loan with XXXX XXXX XXXX XXXX. The house is titled in the name of her trust. I am the acting trustee and also the person named on the will as the executor. I have been paying the monthly mortgage out of my business account and billing the client trust account for repayment. Meanwhile, the checks are being cashed, but not being applied to the loan. The bank is continuing to send delinquent notices and refuses to tell me what they are doing with the checks that are being cashed. 

They are refusing to give me any answers until they have all of the IDs of the successors in interest of the property, ie the beneficiaries. I am the representative of those successors in interest as the trustee of the trust. The credit union is refusing to work with me and provide me with information on the loan.

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 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Account was closed last year due to a third party check being deposited, the check was from a friend that lived with me in my dorm in college and he had went home for the summer due to classes being online and lived in XXXX at the time, the company chase then asked him to come in and verify the check which was not possible as I told them! They then proceeded to close my account when the check was not a legit check just was not able to get him to fly to the us to verify and then allows me to open a new account last Friday and as of today has put a restriction on that new account and will close it in 10 days without a explanation and the supervisor was very rude and hung up on me in my face!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I DO NOT RECALL OR RECOGNIZE ANY OF THESES HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I DO NOT RECALL OR RECOGNIZE ANY OF THESES HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: MD

Complaint narrative:
On the XXXX of XXXX I found two inquiries on my report These two hard inquiries were not authorized by me. 

XX/XX/2022 XXXXXXXX XXXX XXXX REPORTED AS FRAUDULENT INQUIRY XX/XX/2022 XXXX REPORTED AS FRAUDULENT INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I lost my identification somehow a lot bank account online opened under my name I didnt opened them

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 2023-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I received a negative credit report alert, approx1-2 yrs ago, of an outstanding balance ( {$370.00} ), for an apartment unit ( XXXX ), that my wife and I never leased, out of XXXXXXXX XXXX We have never been/lived, nor have I ever leased an apartment unit in XXXXXXXX XXXX My wife and I, have always lived in XXXX XXXXXXXX XXXX ; I have been trying to get it resolved, for the past year, or so, to no avail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
On XX/XX/2023, I spoke with 3 different reps at Loan Depot asking why my mortgage increased from {$1800.00} to {$2300.00}. They all told me my taxes and insurance increased. When I asked for proof of my tax increase, they said it was an estimate. My insurance did double, but it still does not constitute increasing my payments {$490.00} per month. 

The rep said an analysis was mailed to meet, but I never received anything. 

I was told that they had to " loan '' me money to pay for insurance, but that I have a positive balance in my escrow account, approximately {$2300.00} after they paid my insurance for the year. I could not understand why my taxes and insurance increased almost {$500.00}, I have a positive escrow balance and they have no idea what my 2nd installment tax bill will be. 

Loan Depot said the {$490.00} will stay in place for 12 months. That's {$5900.00} in addition to what I'm already paying into escrow for taxes and insurance. 

I requested to have my escrow removed and that I would pay in myself. I was instructed to email a wet signature request. I confirmed that I would be receiving a check for the {$2300.00} plus the escrow paid on XX/XX/2023. The rep said it would take 30 days. I emailed the request on XX/XX/2023 and loan depot acknowledged receipt. Approximately 2 weeks later, I received a letter denying my request because my XXXX must be at 65 % in order to remove escrow. Bottom line is that I'm a first time homeowner, I've been in my house for a little over a year, 14 months and my mortgage went up an additional {$490.00} based on a guessed 2nd installment tax bill. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed the inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard by the institutions responsible for reporting accurate, complete, and permissible information I am seeking help from a higher source. Please remove urgently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
We never got any notification from WFB that payroll deposit were available during the pandemic of XX/XX/2020 and XX/XX/2020 my wife and myself were out of work. We found out about this issue, when my wife, got a notification from The Nevada unemployment division that she was over payed for the amount of {$13.00}, XXXX dollars. It is a huge issue for us, at this time, when we are in out retirement age. We filed a complaint with WFB, but they are saying that we go the money out, which we did not, I took money the was from my SS payments, and nothing else. Perhaps my account was hacked, by someone with access to our information, those individuals, are to very smarts and seems that everything is going towards us, as showing that we got out the money, As today XXXX/XXXX/XXXX, got a phone call from WFB  asking to verify our address, because WFB  wants to send us a check for {$120.00} dollars, seems to us that it wants to settle this disputed with this insulting amount, the offer was declined. Also I was told that the bank kept information not more than 60 days in their systems, our account was converted to different account, because we did no have DD, which we did with this deposit and my Social Security check.

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XXXX XXXX BOFA sent me balance transfer offers for both my credit cards, which I took advantage of. In XX/XX/, I received notices that BOFA closed both my credit cards due to increase in balances on one or more credit card, sudden increase, and increase in utilization. I took advantage of offers given to me, and was penalized for taking advantage of them. Never had I had an delinquencies or lates on my credit or credit account. In XX/XX/, they invited me to open up a new credit card with them. 

I asked my attorney to write a letter on my behalf to BOFA, and they said all they can do is ask me to apply to open up a new credit card. 

I feel this is unfair trade practice where they entice me to take advantage of an offer, and then they closed my card, which affected my credit report.

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 2023-08-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I called Comenity Bank who is the card issuer of the Bread Cashback credit card, to dispute a charge on my account for dissatisfaction of the goods or services provided. The bank is refusing to submit a dispute because of my reason for disputing. They told me to take it up with the merchant. I have already done that and the merchant refuses to work with me or provide refund, which is why I am wanting to dispute the charge. The bank is refusing to submit the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I had to request a supervisor as the XXXX operator was getting XXXX So as I spoke with the Supervisor XXXX I believe she cleared up the situation as mach as she could. She explained to me that Carrington has a policy of holding back two months of Escrow. I stated that is fine but why are you hiding this on the Escrow total. You show balance of {$1600.00} but you payments show I have paid {$1900.00}. I asked why are you hiding the difference and as she stated they are holding back two months ... why? What I paid is what I paid why do you have to hide this! 
Does this seem as a scam to you I ask CFPB? Should no-one hide two months of escrow from the home buyer. I should be posted as that amount is what has been paid. If Carrington mortgage needs two extra months it should ask for and prorate those two extra months but the true total amount should not be hiding from the borrower. I did not ask for this mortgage company to handle my mortgage and so this mortgage holder should treat me better and in hopes that they treat they borrowers whom have requested Carrington to be their mortgage holders.

Of course the supervisor is just doing her job and has no control over what Carrington does but it is the Mortgage Company whom should at least put a " Bullet Mark '' by the amount and have a comment below to explain why the amounts don't match. What if I did not call Carrington regarding this issue... the company never mentioned this, the company could haveeasily just taken the money from me and or others unknowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/2023, {$40000.00} was taken from my XXXX savings account and transferred to a fraudulent savings account in my name at Goldman Sachs XXXX Marcus. I did NOT open a savings account at Marcus. A few years ago I held 2 certificates of Deposit at Marcus but they matured and, as far as I knew, the accounts were closed. I subsequently learned that {$40000.00} held by Marcus was then transferred to a bank in Iowa - XXXX XXXX XXXX XXXX XXXX When I called XXXX XXXX XXXX the officer a the bank told me that she had found the deposits. She strongly suggested that I file a report with my local police department. 

see the attached XXXX statement showing the transfer of {$40000.00} to Goldman Sachs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please art attached, I reviewed my credit report & was shocked to see these unauthorized inquires on my report.

Company response to consumer: Closed with explanation