vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
My family just recently lost my grandmother and its taken a toll on my family, my brother and I were in hopes of adopting a dog for her. We were working with this adoption group on XXXX, they helped us find a puppy and were walking us through the process. Puppy would be transported to us, and we sent the first half of money which was {$450.00} then after getting a confirmation email, we sent the second half, {$400.00}. This was the agreement we agreed on as we were trying to make sure it wasnt a scam. It turned out to be that the transportation website they used for confirmation email is fake, but I had not figured this out until after everything went down. When I went to follow up on puppy aftercare instructions after we got confirmation email as we waited for puppies arrival, they blocked me on XXXX so that I could no longer contact them. This was the moment I found out this was a scam. 

I had messaged other previous buyers prior to sending over payment and they all had amazing reviews on the admin. Once I realized I was scammed, these multiple accounts had me blocked as well. Assuming they were all ran by the same person, they mustve been logging into these accounts and acting as other people. 
Once I found out and accepted I had been scammed, I did my research, come to find out multiple individuals have been scammed by the same XXXX. They lost a bunch of money as well, and they are trying their hardest to make everyone aware of this scam XXXX by posting all over social media. This upsets me as we should all be getting the help. 

This is really upsetting for me because my brother and I were just trying to do something nice for our mother. I do not work a full time job, as I am only a part time barista making coffee. This was money coming out of my own pocket and unfortunately got taken. If there is anyway you guys could help me and maybe even stop any further scams with these people I would appreciate it so much. I had contacted my bank and they can not help me receive my money back as I hoped for, but XXXX in high hopes we can get this scam and fraud to stop. 

I have messages and proof of everything with the XXXX, pls contact me if you would like more in depth proof as they have person information in them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Drear sir I am writing this complaint for my margate approval that took few months and finalized and send for my review and spouse to close in two days suddenly on last moment I received a call the bank dont want to do the loan we waited for few months bank review everything the told me everything is fine be ready for close out we finished all inspections paying for insurance selling all off my personal items boxing all the products and giving my notice to my rental landlord then suddenly hearing a disaster news it was very hard broken for us that is not a fair practice before I do any thing I will write a latter to office of bank presidency and explain everything hope fully before everything escalated too big you reconsider to close the loan I already know your already close a loan in that facility I would appreciate if you let me know which way I need to go. 
Thanks XXXX XXXX Loan number : 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 2022-10-11 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: FL

Complaint narrative:
HERE IS PROOF OF CLEAR AND READIBLE DOCUMENTS THAT XXXX XXXX AND XXXX AND EQUIFAX CONTINUES TO UNLAWFULLY DISCARD. 
I HAVE SENT XXXX XXXX MULTIPLE REQUESTS FOR PROOF OF AUTHORIZATION OR WRITTEN INSTRUCTIONS ALONG WITH PROOF OF AGREEMENT WITH MY SIGNATURE AND I HABE NOT RECIEVED ANY COMMUNICATION BACK FROM XXXX XXXX OR XXXX XXXXND XXXX SHOWING PROOF OF AUTHORIZATION AND WRITTEN INSTRUCTION OR MY SIGNATURE PROOFING AUTHORIZED TO OPEN THIS FRAUDULENT ACCOUNT WHICH I HAVE SENT DOCUMENTS ( SEE ATTACHED ) POLICE REPORT AND FTC REPORT BEFORE REQUESTING REMOVAL OF THIS FRAUDULENT DOCUMENT THESE COMPANYS HAVE ONLY REMOVED SOME BUT NOT ALL WHICH WAS REQUESTED IF ITEMS WAS NOT REMOVED THEN I SHOULD HAVE RECIEVED A DOCUMENT WITH PROOF OF AUTHORIZATION OR PROOF OF WRITTEN INSTRUCTIONS TO PROVE WHY THESE OTHER ITEMS WAS NOT REMOVED. SO ONCE AGAIN THIS IS PROOF OF COMMUNICATION AND CLEAR AND READBLE DOCUMENTS SENT TO XXXX XXXXXXXX WITH ALL REQUIRED DOCUMENTS TO ONCE AGAIN INVESTIGATE AND TO PROVE AND SEND ME WRITTEN OR AUTHORIZATION WITH MY SIGNATURE OR THE PROOF OF AGREEMENT PROVING I AM THE ONE WHO OPENED THIS ACCOUNT AND SEND ME PROOF IMMEDIATELY IF YOU CAN NOT REMOVE THIS FRAUDULENT ACCOUNT THEN ONCE AGAIN SEND ME PROOF OF AUTHORIZATION IF NOT REMOVE AND DELETE FRAUDULENT ACCOUNT FROM XXXX XXXX XXXX  AND XXXX FILES IMMEDIATELY IF NOT YOU WILL BE ACTING IN WILLFUL NON COMPLIANCE, YOU WILL BE VIOLATING MY RIGHTS, AND MOST OF ALL DEFAMATION OF CHARACTER AND DAMAGING OF MY CREDIT REPORT AND MY LIVELIHOOD SO PLEASE DO WHAT IS LAWFUL AND FAIR AND EQUITIBLE TO ME AS A CONSUMER ( POLICE REPORT AND FTC REPORT ATTACHED ) PROOF OF READBLE AND ALL REQUIRED DOCS FOR REQUESTING FRAUDULENT ACCOUNT BE INVESTIGATED AND REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HERE IS PROOF OF CLEAR AND READIBLE DOCUMENTS THAT XXXX XXXXXXXX XXXX XXXX AND XXXX CONTINUES TO UNLAWFULLY DISCARD. 
I HAVE SENXXXX XXXX XXXX  MULTIPLE REQUESTS FOR PROOF OF AUTHORIZATION OR WRITTEN INSTRUCTIONS ALONG WITH PROOF OF AGREEMENT WITH MY SIGNATURE AND I HABE NOT RECIEVED ANY COMMUNICATION BACK FROM XXXX XXXX XXXX XXXX XXXX XXXX SHOWING PROOF OF AUTHORIZATION AND WRITTEN INSTRUCTION OR MY SIGNATURE PROOFING AUTHORIZED TO OPEN THIS FRAUDULENT ACCOUNT WHICH I HAVE SENT DOCUMENTS ( SEE ATTACHED ) POLICE REPORT AND FTC REPORT BEFORE REQUESTING REMOVAL OF THIS FRAUDULENT DOCUMENT THESE COMPANYS HAVE ONLY REMOVED SOME BUT NOT ALL WHICH WAS REQUESTED IF ITEMS WAS NOT REMOVED THEN I SHOULD HAVE RECIEVED A DOCUMENT WITH PROOF OF AUTHORIZATION OR PROOF OF WRITTEN INSTRUCTIONS TO PROVE WHY THESE OTHER ITEMS WAS NOT REMOVED. SO ONCE AGAIN THIS IS PROOF OF COMMUNICATION AND CLEAR AND READBLE DOCUMENTS SENT TO XXXX XXXX  WITH ALL REQUIRED DOCUMENTS TO ONCE AGAIN INVESTIGATE AND TO PROVE AND SEND ME WRITTEN OR AUTHORIZATION WITH MY SIGNATURE OR THE PROOF OF AGREEMENT PROVING I AM THE ONE WHO OPENED THIS ACCOUNT AND SEND ME PROOF IMMEDIATELY IF YOU CAN NOT REMOVE THIS FRAUDULENT ACCOUNT THEN ONCE AGAIN SEND ME PROOF OF AUTHORIZATION IF NOT REMOVE AND DELETE FRAUDULENT ACCOUNT FROM XXXX XXXX XXXX XXXX XXXX FILES IMMEDIATELY IF NOT YOU WILL BE ACTING IN WILLFUL NON COMPLIANCE, YOU WILL BE VIOLATING MY RIGHTS, AND MOST OF ALL DEFAMATION OF CHARACTER AND DAMAGING OF MY CREDIT REPORT AND MY LIVELIHOOD SO PLEASE DO WHAT IS LAWFUL AND FAIR AND EQUITIBLE TO ME AS A CONSUMER ( POLICE REPORT AND FTC REPORT ATTACHED ) PROOF OF READBLE AND ALL REQUIRED DOCS FOR REQUESTING FRAUDULENT ACCOUNT BE INVESTIGATED AND REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 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: MI

Complaint narrative:
The collection agency has stated that it has ceased all collection efforts, yet Equifax is continuing process and persist updated derogatory information for the account/tradeline. The XXXX XXXX has stated they have CEASED ALL collection efforts for the account. Moreover, the collection agency is not licensed to collect on debt in my state. That means the collection account/tradeline should not be on my credt file -- period. An account can not legally be reported as a collection account with a collection agency if the collection agency can not legally collect on accounts in my state. Moreover, they can not engage in actions that violate the XXXX, which happened in this particular instance. The reason my particular state requires licensure to collect is to PROTECT its residents from unfair and unlawful practices. XXXX XXXX XXXX discrimination is unlawful. Collecting on accounts without a license to do such within the sovereignty of a state that requires a license to do such is unlawful. It then follows that furnishing information that is/was generated in comission of unlawful actions is a material violation of a data furnisher 's responsibility under Regulation V. Likewise, a Consumer Reporting XXXX , that knowingly and willfully persists information generated/obtained/and received as a result of unlawful activity is a violation under Regulation V.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, a checking account with XXXX XXXX XXXX was fraudently opened in my name. I called to report the fraud, and was given case # XXXX. I followed up on XX/XX/XXXX after receiving a letter dated XX/XX/XXXX stating that the account was overdrawn. I was told that no action had been taken on my original case, and was given a new case # XXXX. Since then, I have received 5 additional overdrawn account notices dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received an additional letter dated XX/XX/XXXX stating that the account was closed. I called to follow-up again after receiving the letter dated XX/XX/XXXX and was told that the bank was unable to close the account because there were fees associated with it. Today ( XX/XX/XXXX ) I called again after receiving the letter dated XX/XX/XXXX. I was told by the representative from the fraud department that " The bank has decided to stop communicating with you at this time. '' As of right now, as far as I am aware, there is still an open account in my name that I did not open, that a negative balance, and the bank will not work with me to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Our business holds an account with Bank of America in XXXX, NJ ; on XX/XX/2022, I made a deposit at the Teller 's window for a total of {$8900.00} which comprised of 1 cheque in the amount of {$440.00} and {$8500.00} in cash. The teller ( associate XXXX ) made an error and recorded my cash amount as {$83.00}, and when he realised his error, he had a supervisor make the correction to the cash deposit and instead of voiding the entire transaction, the supervisor recorded the cash difference of {$8400.00}. Although the total deposit amount of {$8900.00} is correct, i decided to check our account upon my return to my office. I now realised that the bank placed a hold on my deposit except for the {$83.00}. I called the branch, no one answered the phone, but eventually got XXXX on the phone, I told him what the issue was and he left me on hold until the phone was forwarded to a non stop telephone ring. XXXX never came back to the line. At XXXX I then called the main customer service line and was told that they are unable to do anything because the bank was closed. This branch closes at XXXX and my call to the XXXX NJ branch was at XXXX, my deposit was made at XXXX. This is unacceptable for a bank to hold a cash deposit. Bank of America has done this to our business on XXXX previous occasions. This bank needs to stop this practice of holding cash that belongs to consumers!

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 2022-10-11 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: FL

Complaint narrative:
I have asked the credit bureaus to do a XXXX research of my credit report, they did but when i do my research i find that there are inconsistencies in the accounts reported to my personal credit file.in accordance with the fair credit reporting act XXXX  account numbers starting XXXX, XXXX, XXXX, ( XXXX, XXXX auth user I have asked to be removed from the following accounts since as auth user i am not responsible ) those accounts have violated my rights as states in 15.usc.1681 section 602A sec:2 also states a consumer reporting agency can not furnished a 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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello I checked my credit report and there are several wrong addresses on the credit report XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX 2008 XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, 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 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
It has come to my attention that this company is reporting negatively on my credit report, calling me and sending mail to my house for a debt that was apart of identity theft. I have disputed this several times and sent over paperwork to prove this is not my debt but this company refuses to acknowledge it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act - ComenityCB/Gamestop and the Acct # XXXX have 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 an account without my written instructions So now the problem is date opened date, date active, and date of last payment is not same as other bureaus. Delete this account because the date opened date is not the same as other bureaus which is inaccurate : [ EQ date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, EX date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, TU date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX. So you must delete this because you haven't removed it for months because you guys violated my rights. 

For XXXX account # XXXX is inaccurate Since [ EX - the date last active is XX/XX/XXXX, XXXX  the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX. So you must delete this because you haven't removed it for months because you guys violated my rights. 

Also, there's one error of late payment on XX/XX/XXXX. Please correct it immediately since I am not late. I did contact the creditor and Transunion, you stated late due is verified so how it is possible? It seems like you violated my rights since you didn't do the investigation properly. 

demand these account be deleted from 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 non-monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a problem with my mail, BOA received a statement returned as undelivered. I finally received my statement, immediately paid my bill, but BOA charged me a late fee and interest BOA knew I did not receive my statement, yet they still assessed me the fees

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 2022-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
The person using my name had two different accounts with XXXX XXXX for cable service for the address, XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX, and owes {$410.00}.

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 2022-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I called for mortgage relief due to unemployment 7 times on XX/XX/XXXX and was hung up on each time. This is discriminatory. How are we supposed to speak to someone regarding COVID mortgage relief if your phone staff is constantly hanging up on callers? 

I called on XX/XX/XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Flagstar Bank, N.A.
State: VI

Complaint narrative:
I have received many calls from Flagstar Bank from a number not listed on their website. 

They ask me for personal information to verify who I am. This is a huge compliance issue. 

When I called them back at the number listed on their site they told me that I had missed a payment months ago. When they looked further into it my bank had reversed the payment for unknown reasons. 

However, I had made the payment through their portal each month, I received a text stating they payment had been made and every month after that I was only prompted to make my normal payment. 

I have now taken a huge hit on my credit score, I have hundreds of dollars in late fees and I have spent hours on the phone trying to unravel this. 

Flagstar is not willing to work with me unless I jump through many more hoops, regardless of their failing to notify me or provide clear details about what I owe and when. 

They are also in gross violation of privacy requirements.

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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Early XXXX I contacted this bureau requesting due diligence be done on this account or removed they responded that the accounts that been validated but again FAILED TO PROVIDE METHODS OF VALIDATIONS! XXXX Notice for validation of debts. also this information upon further investigation of my own as the consumer has been found to be fraudulently reporting ( documentation attached ) either the company is allowing these inaccuracies to continue to report or the no investigation is being done! PLEASE REMOVE THIS ACCOUNT! 


Duties of Furnishers to Provide Accurate Information Section 623 ( a ) ; 15 U.S.C. 1681s-2 ( a ) Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello I checked my credit report and there are several wrong addresses on the credit report XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: FL

Complaint narrative:
Per my credit score on XXXX as of XX/XX/2022, my Sallie Mae has a balance of {$2700.00}, and Sallie Mae reported that as of XX/XX/2022. 
However, per SALLIE MAE statement, my balance is {$1800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation