vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in violation of The Fair Credit Reporting Act. I ask that the accounts and inquiries be investigated thoroughly and removed to restore my good credit profile.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX XXXX XXXX XXXXXXXX, ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NAMXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NMAE : XXXXXXXX XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX, XXXX : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX, # XXXX account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

15 U.S.C 1681 Section 604 A. Section 2 : Also states that a Consumer Reporting Agency can not furnish an 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 ( 7 ) years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX to Nationstar Mortgage LLC aka Mr. Cooper on XX/XX/XXXX. My escrow balance of {$2100.00} was also transferred to Nationstar Mortgage. I received a welcome letter from Nationstar stating the amount of escrow balance with the statement " Our records indicate that you have an escrow account for taxes and/or insurance '' XXXX XXXX did an escrow analysis on XX/XX/XXXX stating that we had an escrow surplus and sent us a check for {$430.00}. My Hazard Insurance was due on XX/XX/XXXX. Nationstar/Mr. Cooper did not make the payment. Nationstar/Mr. Cooper had all of the necessary information available to them to make the payment ; Insurance Company name : XXXX XXXX and address, policy number, due date and amount due {$800.00} Therefore our Hazard Insurance was cancelled. We did not receive notification from our insurance company that our policy was cancelled. 

We received a letter from Nationstar/Mr. Cooper dated XX/XX/XXXX and XX/XX/XXXX stating that our hazard insurance had expired. We contacted our Insurance company and they stated it was cancelled for nonpayment. We were able to get our policy reinstated. I called Nation Star/Mr. Cooper and spoke with a representative on XX/XX/XXXX and asked her why they did not make the payment. She stated that " this happens all the time '' and tried to place the blame on me for not contacting my insurance company to let them know that I had a new mortgage company. I pointed out that they had all of the information they needed to pay the bill. 

I received another letter from Nation Star/Mr. Cooper stating that I needed to provide proof that I had hazard insurance coverage for the lapsed period XXXX or they would by a policy on my behalf. I did not have proof of coverage because Nationstar/Mr. Cooper did not make the payment that was due on XX/XX/XXXX. I was not informed my Nationstar/Mr. Cooper that my policy had lapsed until XX/XX/XXXX. 

Nation Star/Mr. Cooper withdrew {$1800.00} from my escrow account to pay for a Hazard insurance policy from XXXX XXXX XXXX XXXX issue date XXXX cover the lapsed period XX/XX/XXXX, XXXX XXXX, XXXX. Now I have an escrow shortage that I will need to deposit additional funds in order to have my property tax paid I believe that Nation Star/Mr. Cooper committed a violation of the Real Estate Settlements Procedures Act as they are required to make timely payments if the borrower has maintained sufficient funds in their escrow account. I believe that they are participating in predatory practices

Company response to consumer: Closed with explanation
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: National Credit Systems,Inc.
State: SC

Complaint narrative:
A representative contacted me via telephone from National Credit Systems in XX/XX/2022. She stated that I owed XXXX XXXX at XXXX XXXX XXXX {$5300.00}. I responded to her that I never lived at the complex she spoke of and ended the call. I received letters for debt collection in both XX/XX/2022 and XX/XX/2022. In XX/XX/2022, I received a letter from the XXXX XXXX XXXX XXXX XXXX and I responded with a letter dated XX/XX/2022. In said letter, I asked for a copy of the original lease with my signature, payment history with itemized billing. I received another communication from the lawyers office with a itemized account statement only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
See attachments below. Uniformed use and fraud without evidence of the debt and the only evidence of the debt was just an agreement which was never clear and conspicuous this is null and void please delete this or y'all might involved with something bigger because they willing did this without explaining things.

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I received a text and call from AFFIRM on Sat XX/XX/2023 letting me know that they had suspected fraud on my account and someone tried to apply for a loan. They had me verify a passcode that they sent to me as a text message and as an email to verify that I was not trying to apply for the {$4500.00} loan. Then they told me they were opening a case and would investigate. I then received a call on Sun XX/XX/2023, letting me know that the person who applied for the loan was arrested and that my account would be locked for about a few days while they took care of stuff. I had no idea that this person who was calling me was actually not from AFFIRM and they were actually the ones committing the fraud. On Monday XX/XX/XXXX, I saw that a loan had been approved under my AFFIRM account and that the funds had been used. I contacted AFFIRM and they said they had no record of them calling me about fraud and that they would have not ever done that. I opened up a claim with affirm Case # XXXX and they took 30 days to respond to me saying that they believe that I am still responsible for this loan. They requested that I sign an affidavit which I did and I also provided them a copy of the police report I filed # XXXX and a screen shot of the fraudulent text message I received from someone pretending to be them. They then took another week to tell me that they were standing on their original stance of stating that I am responsible for this loan. 

I have contacted XXXX XXXX XXXX to help me as an advocate and they referred me to this site to file my claim.

Company response to consumer: Closed with explanation
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: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
XXXX. I do not know AMSHER COLLECTION SERVICES. 
XXXX. I do not have any contractual relationship with AMSHER COLLECTION SERVICES. 
XXXX. I never signed any agreement with AMSHER COLLECTION SERVICES. 
XXXX. I never consented for AMSHER COLLECTION SERVICES to share my personal information. 
XXXX. My name is Copyright protected.

6. My copyright is pending with the Library of Congress.

7. My copyright includes any and all derivatives of my name.

8. I am advising AMSHER COLLECTION SERVICES to cease and desist any/all collection regarding this name. 
XXXX. I am advising AMSHER COLLECTION SERVICES to cease and desist any and all collection against me. 
XXXX. My copyright number is pending and I will be filing for protection of this copyright with the department of homeland security. 
XXXX. I demand AMSHER COLLECTION SERVICES contact XXXX and any and all third parties that they have shared or give my copyright protected information to. 
XXXX. Upon written request through this portal and can provide proof of my Library of Congress. Temporary E-Recordation Link Request Inbox Fri, XX/XX/2022, XXXX to XXXX I just filed my copyright and would like a link to file a temporary e-recordation. 

My Copyright Request No : XXXX XXXX. Failure for AMSHER COLLECTION SERVICES to contact any reporting agency and have my private, copyright information will result in my exhausting my legal as well as Tribal Remedies.

14. No further notice besides this notice shall be given.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX claim I took an ambulance ride in XXXX. I have tried to request records multiple times and proof that it was me and have never had a response from either company. I have left several voicemails, disputed it multiple times with Transunion, most recently in XX/XX/XXXX and XX/XX/XXXX, specifically demanding that they provide documentation that it was me, such as a signed statement, a copy of my ID, or any physical proof that it was me that took the ambulance, while providing the attached FTC ID theft report. I had a similar bill from XXXX XXXX from the same night, assuming that the ambulance was dropped there, however, I can not get any records from XXXX ambulance or XXXX XXXXXXXX XXXX but they keep " verifying debt is accurate '' in my disputes to Transunion and will not provide any actual proof or documentation of the incident as demanded. The debt from XXXX XXXX was dismissed and removed because they did not have any copy of ID or valid proof that I received the treatment, however despite XXXX XXXXXXXX XXXX not providing the demanded information in the attached most recent letter, Transunion continues to allow it to be falsely reported despite multiple disputes in regards to ID theft. 

XXXX XXXXXXXX XXXX has never contacted me, has no authorization to report this to credit bureaus, has failed to respond to multiple inquiries and messages left for them for follow up, has not provided accurate proof in multiple disputes covering multiple years. Both them and Transunion should be penalized for there absolute disregard to the law and Fair Credit Reporting Act Section 609 ( e ) relating to Identity Theft. I have provided my FTC filing for Identity Theft Report and they have still failed to properly furnish information required by law or respond appropriately by the laws and rights given to me and Transunion has failed to remove it in accordance with the law and lack of verifiable information regarding the transaction. This must be removed from my credit report 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 non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Someone tried to open an account in my name from Macys credit card!! I spoke with a XXXX specialist and they informed me to complete this!

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 card or prepaid 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023 I initiated the return process for an item purchased from Best Buy, ( Order Number : XXXX, Total : {$410.00} ), by logging into my best buy account online and following through the instructions for beginning a return. Per the site instructions, the return for this item would need to be done in-store, at ANY location. 
On XX/XX/2023 I visited the Best Buy location in XXXX, CA ( XXXX XXXX XXXX XXXX ) and attempted to return the item. After several employees had difficulty with processing the return, it was brought to my attention that the item that I picked-up at the XXXX XXXX XXXX location, did not match the item on the purchase receipt. Although visually the same, the item had a different model number ( Model : XXXX ) and as such they could not return the item. As show in the attachment, the item in my possession has additional features and retails for a higher cost, but looks identical to the model I had purchased initially. The representatives in-store understood the mistake but only offered for me to return to the pick-up location and have the employees there correct their mix-up. No guarantees were made that the item would in fact be returned or credit offered for the mistake at any location. It was made very clear that they would not be processing a return at that store. 

I advised the Store representatives I would be disputing the charge and they did not present any objections. On XX/XX/2023 I filed the dispute on my Citi Card. I presented the documentation available to me, however the charge remains with no further action taken by Citi.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since obtaining the loan, I have had issues with payments being correctly applied to my account. I have received a check in a very small amount from overpayment ; however, since filing for bankruptcy in 2021, I have had my car repossessed twice and receive no communication from Wells Fargo. There has also been damages to the property as a result of the repossessions ; however, when reported, the office of the president refused to investigate. While in this loan, I have had to fight many late fees of which were not appropriate or due to circumstances that were not of my fault and I also believe that I have been overcharged in interest fees and payments not appropriately applied to principal balances. Both times my car was repossessed I was told by a representative that once my payment is over 80 days past due it goes to repossession ; however, now my loan is in charge off status and I am now being told that they will reposes and there is no time frame for repossessions as long as the payment is past due even 30 days, I am at risk of repossession. This is per representative 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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, Wells Fargo called me to inform me that my business account and teen checking account are being closed due to disputes with some transactions through XXXX on my business account ( not personal account ). This was around XX/XX/XXXX. They told me that I will receive the funds in ten days after their investigation is done. Its XX/XX/XXXX today and I've only received my business account funds last week and nothing from personal account which wasn't even associated with the issue at all. I went with wells fargo back and forth on calls countless times in last 5 months. Their customer service agents are rude sometimes too and I've filed 2 complaints against " claims department agent '' and a " execute department agent ''. Wells Fargo is refusing to release any money from my personal account even though that account was separate from the business account and had nothing to do with the disputes with buisness account. Upon questioning more, the agent from execute department just hung up the call on my while I was talking. Wells Fargo blocked 100 % of my money for 5 months and doesn't provide me any information about what is going on. They are refusing to release the money from personal account which has my paychecks from work and nothing to do with business account. All the transaction can be seen in the 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 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/XXXX I applied to the Apple Card by Goldman Sachs Bank. The following week right after I was approved I inquiry and requested my SCRA benefits being applied to this account since I am a military in XXXX XXXX since XX/XX/XXXX. 

On XX/XX/XXXX I was denied the benefits, and their reasoning was that they only grant the benefits to service members that apply for the card before being ordered to XXXX XXXX. Basically since I applied for the card while being on XXXX XXXX I do not qualify. I sent my military orders and even a memorandum signed by my commanding officer stating that to the date of the request I was actively serving as a service member, because at first the military order alone wasnt enough for them. Which it makes no sense, they were asking for another military order on top of the one that I currently provided which that tells me that they dont know how a military order works ( My current military XXXX XXXX order runs until XXXX ). I never had this bad of an experience with another mayor bank. Currently I have the benefit applied to 3 other accounts in different banks and never had a issue. 

After it was denied, I requested the policy that they used to disclose and determine who qualifies to the SCRA benefits. I requested the policy via email and by mail. They never replied. The information of the bank on the topic is very vague on the internet and out of the 3 times that I called no one could tell me what was their policy. They stated that a supervisor informed them that I was not qualified but could not provide the policy or regulations they guide themselves to this types of process. Still I am waiting for the document that discloses who and how any service member qualifies for this particular benefit and how they based their decisions. 

To my understanding, the requirements to receive the SCRA benefit applied is only to provide a military order proving my current XXXX XXXX status. I would appreciate if you can help me to get to a resolution to this issue, weather it is a document informing the actual requirements or to actually get the benefit applied. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: AR

Complaint narrative:
Contract was signed with XXXX XX/XX/XXXX my loan with goodleap begun XX/XX/15 At this time my panels were not functional and had trouble getting in contact with anyone from XXXX. 

On XX/XX/XXXX while watching XXXX we found out that the company XXXX XXXX was no where to be found and of a possible bankruptcy. 

I expressed my concerns with Goodleap and informed them of the bankruptcy and how my panels were left at a 10 % install progress. They assured me they were not under bankruptcy and that they ( Goodleap ) called in XXXX to let them know of a " New Year Staffing '' this conversation was saved. 

During thus time I called my electric company and they informed me that XXXX never sent interconnection applications and we were not approved for the panels placed on our roof. I also called the city and was informed XXXX never requested permits to work on our roof. 

I kept calling Goodleap every week to ask about the status of my complaint with no luck. I called for 2 months straight with no new answers. 

As of XXXX I decided to hire a lawyer to help with this matter. 
This lawsuit has expanded into a class action lawsuit with more than 100 ( this list keeps growing ) customers affected by XXXX and the financial companies. 

I would like Goodleap to cancel my loan and pay me back the money sent. I paid {$12000.00} as an initial payment and 3 months of {$150.00} after that. XXXX breached the contract by not finishing the job and Goodleap dispersed the money without verification of the status. 

Thank you!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation