vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern I sent a dispute letter to equifax on XX/XX/XXXX via certified mail with a return receipt. Informing them about a comenity bank account reporting inaccurate information on my credit report. XXXX XXXX  was reporting a / XXXX account on my credit report that they sold to XXXX XXXX XXXXXXXX XXXX back on XX/XX/XXXX. Today XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX stating that this account should have been deleted. Equifax refused to delete this account and constantly violated my consumer rights and just sending me generated responses letter. I need this matter resolved immediately because their the only credit agency that wont remove this & its causing me damage to my consumer report. I never gave Equifax written consent or permissible purposes to report any account on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: NC

Complaint narrative:
Was scammed for {$420.00} today for concert tickets Money sent thru Zelle Zelle refusing to refund any money. Was not aware of policy. Due to send money in a rush. This is the first time Ive ever done something like this and its so much money I just really need some help with getting my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: FL

Complaint narrative:
I have written the 3 bureaus to investigate and remove XXXX XXXX XXXX XXXX XXXX XXXX from my credit file, I never gave them written permission to furnish this information on my credit report. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX 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 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 years. 
I am requesting the following specific information related to your investigation : Proof of Investigation : Please provide documentation or records showing the steps taken during the investigation process to validate the accuracy of this account.

Parties Investigated : Please specify the entities or individuals that were investigated in connection with this account, including the creditor and any other relevant parties.

Investigation Timeline : Provide a detailed timeline of when the investigation was initiated, conducted, and concluded. 
It is essential for me to have access to this information to ensure that the reporting of this account on my credit report is accurate and complies with the Fair Credit Reporting Act ( FCRA ). 
I understand that you have a legal obligation to respond to this request within 30 days of receipt, as per the FCRA. If you can not provide the requested documentation within this timeframe or if you find that the account is not verifiable, I request that you delete the account from my credit report immediately. 
I appreciate your prompt attention to this matter and your compliance with the provisions of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-09-22 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-09-22 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello, I received a letter from Chase bank on XX/XX/XXXX where my account was opened in XXXX and I immediate started making direct deposits and use this account as back up savings for my life being. 

The letter from Chase states the following : " After careful consideration we decided to close your account because of your association with chase credit car deposit or investment account that was previously closed ''. 

I used to have credit card, checking account and business account. My credit card with them was since around XXXX and was closed along with everything else in around XXXX with no explanation and no branches nor customer service would give me a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
This is a follow-up complaint of XXXX, which has been closed as Chase has responded on XX/XX/XXXX. 
In the Company 's response of complaint # XXXX, Chase claimed that there was one-time passcode sent to my phone to verify the known device, but I have not received any text about that on that day. I had the phone with me all the time and I never lost, but on XX/XX/XXXX and XX/XX/XXXX, the date that the fraudulent transaction happened, I NEVER received any one-time passcodes that the Chase claimed that has been sent to me at my phone. On XX/XX/XXXX and XX/XX/XXXX, there were total of XXXX fraudulent transactions happened, but the bills of my cellphone showed NO texts from Chase related to those XXXX fraudulent wiring setup being recorded on XX/XX/XXXX and XX/XX/XXXX. 
Attached are the detailed billing statement from my cell phone company, and I highlighted the texts that were sent to me on the days that fraudulent transactions happened. 
None of the texts I received that day contained the " one-time passcodes '' that Chase claimed to have sent to me to verify the wire recipients. 

Please refer the original complaint XXXX for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
In XXXX of XXXX I submitted a modification application due to increased expenses and decreased income over the current year. Upon receipt PennyMac requested additional information to support financial hardship from XX/XX/XXXX. I did not fill out my paperwork for hardship on XXXX. However I tried to provide information supporting hardship from XXXX. I provided W2 and wage transcripts showing a loss of yearly income from XXXX totaling a combined loss of income near {$78000.00}. I provided copies of bills and was told this wasn't sufficient. I asked what documents they were specifically looking for and was told a " bank statement ''. First I don't know what a bank statement is going to show and second I don't have a clue who I banked with in XXXX. When I questioned why they are asking for information from XX/XX/XXXX I was told because I was delinquent the first month the last modification payment was due. I explained by letter why I paid late after the modification in XX/XX/XXXX was I called to make my payment in XX/XX/XXXX and the agent informed me they had no record of a modification for my loan. At a later time I was informed that the modification wasn't approved until the trustee for my XXXX  XXXX bankruptcy approved it. I was not making payments to them before they signed the modification. I again was asked to prove financial hardship in XX/XX/XXXX. I don't know how to prove something I didn't state I had in XXXX. 

I would also I like to mention that I was out on a Covid forbearance for a year from XX/XX/XXXX until XX/XX/XXXX. They never offer a repayment plan or any of the option stimulated my the CARES Act and they pulled requesting evidence of financial hardship in XXXX when I applied for a modification back in XXXX. I got no help and finally was forced to pay the delinquent amount back in fill out of pocket which was over {$6000.00} and included {$1900.00} that was to be paid back in my bankruptcy plan. This was paid in XXXX and XX/XX/XXXX leaving me with {$0.00} in savings. 

I have pulled the USDA loss mitigation guidelines and PennyMac is not following them and refuses to offer any assistance. If they are committed to keeping me in my home why are they playing games?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: NY

Complaint narrative:
Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number ( XXXX ) XXXX they are not removing this report from the record, every time i run my credit they showed up, this company charge me 1 years or more longer ego but still not removed from my file, i will file complain to court if they still dont remove it, they do not have right to leave this info on my profile which i paid long time ego.

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 2023-09-22 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: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-09-22 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: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX. Deposited {$10000.00} to Citibank in XXXX, California. On XX/XX/2023 I Deposited a check for {$4700.00} to Citibank. As of XX/XX/2023, I made XXXX of several withdraws from the account. As of XX/XX/2023, Citibank sent a letter stating that they were terminating my account!! I went to the Citibank branch in XXXX, California, where I questioned the actions of the bank.They supposedly called their Fraud Department, and was told that my {$4700.00} check was fraudulent!! 
The personal there was good when I Deposited the checks, but became hostile the next XXXX visits there. I visited the Citibank branch on XXXX XXXX, and got the hostile treatment again!! Finally, I went to the XXXX, California branch, where the representative told me that the {$10000.00} was fraudulent?? My account was being closed down and no money will be given to me. Today is day XXXX of the investigation, how much longer do I have to wait for my funds??

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 2023-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
The trust account was closed due to my brother 's death. The money came to me, and I was give a temporary K-1 and could not file my 2022 taxes, so I had to file an extension. I was told that the final K-1 would be REQUIRED to be mailed to me by XXXX XXXX. I have been waiting on this since last XX/XX/XXXX. 

I have kept in touch with the trust officer in charge, but I usually do not receive an email in return. The last contact was XX/XX/XXXX or so. I had to copy the trust officer 's boss to get a response. At this point, he said he was sending the info to the tax preparer to get me my K-1. 

What this means it that NOTHING was done since XX/XX/XXXX to create a final K-1. The only way it was finally sent was when I requested again. This make Regions NOT IN COMPLIANCE with IRS regulation since this form was due XXXX XXXX. 

My life and taxes have been totally ON HOLD, waiting for this form for 5 months, and nothing was done at all.

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 2023-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
LVNV Funding Inc was sent a cease and desist letter in XX/XX/2023 and was notified of these accounts arising from identity theft. A report from the FTC was generated and submitted. LVNV still wrongfully attempted to collect this debt and is acting as a third party of which there is no original contract with. 
LVNV and XXXX XXXX XXXX XXXX .wrongfully debited {$1500.00} from a bank account that was not authorized this amount. There was also in fact a payment plan in place in which XXXX XXXX XXXXXXXX XXXX  wrongfully debited an amount that was NOT authorized. These are in fact unfair debt collecting acts and go against the FCRA laws. See attachments of identity theft form and cease and desist dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America Client Protection Subject : Unauthorized {$10000.00} Deposit to My Business Account Dear Bank of America, I am writing to bring to your attention an issue with my business account under the name XXXX XXXX XXXX. On [ XX/XX/2023 ], a {$10000.00} deposit was made into this account that I did not authorize, and I have no knowledge of its source. I believe this deposit is unauthorized and requires immediate attention from your Fraud Department to rectify and resolve the situation. 

To clarify, I, XXXX XXXX XXXX, did not initiate or approve this deposit, nor do I have any record of such a transaction in my financial records. This deposit is both unexpected and unauthorized. I want to emphasize that there is no fraudulent or suspicious activity on my part. I am in full possession of my account and have not engaged in any unauthorized financial transactions. 

I kindly request that Bank of America 's Fraud Department initiate an investigation into this matter promptly to determine the source and legitimacy of the {$10000.00} deposit. I am fully prepared to cooperate in providing any necessary documentation or information that can assist in resolving this issue. 

I understand the importance of maintaining the security and integrity of financial transactions and am committed to assisting in any way possible to ensure a swift and accurate resolution to this situation. Please keep me informed of the progress of the investigation and any actions required on my part. 

Thank you for your prompt attention to this matter. I trust that Bank of America will take the necessary steps to rectify this situation and safeguard the security of my business account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] Please make sure to adapt the letter as needed, include your specific account details, and consider sending it through certified mail or any secure communication method for documentation purposes.

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 2023-09-23 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: GA

Complaint narrative:
On the date of XXXX I filed a Police Report stating that I had been a victim of identity theft. I sent this report to XXXX, Equifax XXXX XXXX XXXX XXXX. Along with dispute letters requesting that they show proof of the negative accounts being mine. However neither Bureau responded by showing proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
XXXX XXXX XXXX was sent a cease and desist letter in XX/XX/2023and was notified of these accounts arising from identity theft. A report from the FTC was generated and submitted. XXXX still wrongfully attempted to collect this debt and is acting as a third party of which there is no original contract with. 
XXXX and MESSERLI & KRAMER PA .wrongfully debited {$1500.00} from a bank account that was not authorized this amount. There was also in fact a payment plan in place in which MESSERLI & KRAMER PA wrongfully debited an amount that was NOT authorized. These are in fact unfair debt collecting acts and go against the FCRA laws. See attachments of identity theft form and cease and desist dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My wife, sister in-law and I all received phone calls from all different numbers, saying that my wife has to pay an old debt or she'll be reciveing a summins for court in 3 days unless she settles it today. My panicked and was corropertive with them. Myself was not and started questioning them what it was all about and their name and they wouldn't give any information unless I agreed to pay the amount. I contacted my bank and notified them and they urgently told me to lock my card and it was too late my wife had already gave the card info.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I asked for statements from when the account was first opened but I still have not received them. I have only received statements with a balance previous balance of {$6200.00} and beyond from XX/XX/2018. Where are the statements prior to XX/XX/2018 and beyond?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: NY

Complaint narrative:
Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number ( XXXX ) XXXX they are not removing this report from the record, every time i run my credit they showed up, this company charge me 1 years or more longer ego but still not removed from my file, i will file complain to court if they still dont remove it, they do not have right to leave this info on my profile which i paid long time ego.

Company response to consumer: Closed with non-monetary relief