vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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

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 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
After reviewing my credit report i have noted some discrepancy on Account Number XXXX XXXX Portfolio Recovery validation was requested and none was provided. I have not received any correspondence from them only harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 3 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 explanation
Consumer complaint received 2023-04-26 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: TN

Complaint narrative:
my rights have been violated by TransUnion, XXXX, and XXXX on XX/XX/2023 I submitted my Victim Determination Letter along with the rule attached to it along with the list of adverse items to be blocked in 4 days. I received a response that has nothing to do with what i submitted to them and that same adverse information is still parked on my credit without my permission. List of violations are adverse information not being blocked 4 days per the final rule on victims of a severe form of XXXX XXXX  debt parked on my report to coerce payment from me, not in agreement with their membership contract to uphold state and federal law.

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Bank of America denied 2 of my claims that were not authorized using my debit card. 

Claim # XXXX Claim # XXXX Simple explanation from them that I log in to my account and saw my balance I have many bills taking out of my bank account and I usually dont check every transaction, Bank of America has not being helpful and have not help me out with these claims putting so behind my credit cards and car payments, I would like to get this resolved and get this money refunded to me since I only have one job and this is really bad for my current financial situation and Im behind my bills because of this situation

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 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPS and Its investors Dear Leader, Our Mortgage is serviced on your behalf by SPS. You recently decided that not only impact us but thousands of your mortgage holders. You changed the policy of how you handle the escrow portion of our account and called added a pre pay option which caused our mortgage to jump an additional {$700.00} per month starting in XX/XX/XXXX. 

Its important that you understand that this can cause massive foreclosures as Senior Citizens such as us can not budget for this type of an increase. You must understand that the decisions you make behind closed doors do impact real people. When investors invest in homes and homeowners you have to ensure that you set us up for success. 
As I look at the investors that are listed here and own our mortgage, I must also be reminded of XXXX when Big Banks such as yourselves received a massive bailout. However, you make decisions like this to force more homes into the market by foreclose. 
We are asking that we have 36 months to pay off this escrow balance to reduce the {$700.00} extra that has been added to our mortgage payment. 
We have enclosed paperwork to show what we have received from SPS. We are willing to take what should be a private issue very public to prove what is happening behind the scenes to ordinary homeowners such as ourselves. 
You are the decision makers that can help us. Help us. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was charged {$620.00} on XXXX XXXX and I did not authorize this charge. I immediately called Citibank to rectify the situation and they gave me a provisional credit. I had never been to this establishment or heard of it. I got a new card in the mail. Today, on XX/XX/XXXX, I went to deposit money into my account to pay my wifi bill, and it was negative XXXX dollars. I was shocked. It said that the charge was reversed in favor of the business. However, Ive never been here and Id like to see the proof that I was here and paid for this. Im currently pregnant and unemployed and this is proving to be a severe hardship for me that I cant pay bills on this account. I have only ever filed one dispute before this and that was back in XXXX XXXX XXXX, so this is not a common occurrence for me to file disputes. I would just like my money back as it is 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 monetary relief
Consumer complaint received 2023-04-26 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: NC

Complaint narrative:
I have submitted several disputes to TransUnion regarding inaccurate, unauthorized or fraudulent information being listed on my credit report. They have failed to properly and legally investigate my disputes going as far as sending letters stating that they don't believe the disputes are coming from me or an authorized party on my behalf. I sent the letters and request both certified mail and first class mail. I've been sending disputes since XX/XX/XXXX with the last certified letters being delivered to TransUnion on XX/XX/XXXX according to my tracking information. They are in direct violation of the FCRA and these matters need to be resolved immediately. I have attached copies of my last dispute as well as their response to it. I have also included the FTC Identity Theft report I attached to the disputes.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This complaint is because Transunion lied to me and to the CFPB. And now they created yet another problem. 

Transunion LIED and said they solved my problem- they didn't. 

What kind of XXXX is going to send me an email that expires in half hour?!?!? TransUnion sent me an email to reset the pw- which I didn't see until the next day, too late to log in. Even if I had seen the email, I can't get to a computer at work. And I don't have a computer at home, I use the library computer. 

Transunion did NOT solve the problem and I STILL can't log in. 

And now there is a DIFFERENT problem - when I try to access the Transunion web site, I enter my SS # twice, then my last name, and click on 'Continue to Next Step. ' - and the web page won't advance! I don't get an error message ; the page simply refreshed to blank spaces for SS # and name.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The closed capital one bank on my account needs to be deleted immediately. They have reported the account as charged off bad debt in which in return I never received a XXXX from the company. This account was also previously involved in litigation which has resulted in the judge dismissing the case for the amount that is being reported as owed. Capital one is also still reporting to XXXX late payments however transunion is not showing anything, in addition to the fact the account has been reported closed and charged off by creditor since XXXX so the company is illegally reporting late payments. Due to the inaccurate reporting of several things on this account that Ive tried to resolve with the other credit bureaus I request an immediate deletion of all information from this account/creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: LoanCare, LLC
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2023-04-26 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: Nelnet, Inc.
State: CA

Complaint narrative:
Once again the response you sent is not sufficient for evidence that a clear and conspicuous disclosure was given to the consumer about reporting to third party CRA 's. According to 15 USC 6802 ( b ) you are required to provide a clear and conspicuous disclosure to the consumer of your intention to share private information with a third party. In addition to this an option for the consumer to opt-out must be provided. Based on the documentation you have provided, neither of these things was provided. In addition to this you have not provided a wet signature contract signed by the consumer. Please review the letter submitted again because what was asked for was not received. Read the law and you will see you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Affiliates Management Company
State: WA

Complaint narrative:
On XX/XX/XXXX and XXXX i withdrew {$500.00} from my wifes sound credit union card. On XX/XX/2023 approximately XXXX at XXXX XXXX XXXX XXXX XXXX, WA XXXX. I inserted my XXXX XXXX XXXX XXXX card into the CO-OP ATM attached to the XXXX XXXX XXXX building right next to the front door. I inserted XXXX {$20.00} bills, {$1000.00} cash into the atm, i did not click to receive a receipt because ive never had a problem with this ATM. A message popped up on the screen saying i could not deposit more than 30 bills so i clicked to have the cash returned, as it counted my money an error message popped up saying the cash couldnt be returned and to continue with the deposit. The machine then beeped for me to remove my card, when i went into the XXXX the manager told me to go to XXXX and when i went there the XXXX representative said there was nothing to reflect on my account. The XXXX XXXX debit card dispute team did an investigation into the matter and provided me with a {$1000.00} provisional credit for the duration of this investigation. On XX/XX/2023 without warning the {$1000.00} credit was removed, when I called XXXXXXXX XXXX they said that the investigation results came back and there nothing appeared wrong and that XXXX XXXX XXXX told them I had benefited from the transaction.The transaction of my {$1000.00} I still havent received? That makes absolutely no sense, when I talked to the branch manager in person at the XXXX, she had told me that the people that count the money from the CO-OP ATM will be able to tell if there is money thats unaccounted for and that I would be able to get that money if they found it, but I havent been told anything and I still dont have my money.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My Wells Fargo Home Mortgage was in default by 60 days but wasnt in foreclosure. My wife made an electronic payment to Wells Fargo on XX/XX/XXXX and XX/XX/2023 which brought our home mortgage account up to current status. On XX/XX/2023 i stopped at my old home address XXXX XXXX XXXX XXXX Illinois XXXX, i found a red notice glued to my front exterior storm door that said this property was inspected and action will be taken to prevent further deterioration and new locks will be installed. I called XXXX and a Wells Fargo contracting company answered, XXXX XXXX XXXX XXXX is XXXX- inspection # XXXX, they told me even though i lived at this address for 15 years this is a FHA loan and Im required to live at this property permanently. My back gate had the lock remived and the gate was left open. This is appalling and unacceptable, i told them this property belongs to me and this is trespassing, loaki asset told me Wells Fargo can inspect my home anytime they want.

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 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: MA

Complaint narrative:
First i want t say thank you guys for your help in the past i am not late and yes pay on time this mortage company Gregory Funding continues to raise our mortgage payment this has been the third time i have complaint to you guys about this mortgage company and they continue to do this to me i work hard and i have to pay other bills to make it in life my previous payment was XXXX now its gone up to XXXX i really can not pay the extra money keeping in mind i dont get it when i pay the home mortgage myself were is all the money going please help me thanks XXXX i really could use some legal help i really believe there is something wrong with this ive been dealing with this for years thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: I.C. System, Inc.
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
Cedars Business Services , LLC said that I needed to respond to a alleged debt letter by XX/XX/2023, they have not responded in the 30 days that they said they would. I sent them a certified letter on XX/XX/2023 in which they received XX/XX/2023 for this account to be removed, to Cease & Desist all communication & that the debt wasn't valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I went to a Bank of America ATM on XX/XX/2023 to withdrawal from my XXXX  XXXX  debit card, the money never came out of the ATM. It was debited from my account though and I have no gotten that money back. Bank of America has done nothing to help me.

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 2023-04-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting an account with XXXX XXXX XXXX on my credit report without my written authorization. Pursuant to the Fair Credit Reporting Act Section 604 ( a ) 2, I am instructing Equifax to block this account from the credit report of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EQUITY LOANS LLC
State: FL

Complaint narrative:
XX/XX/XXXX, closed on our new home with Equity Prime Mortgage ( EPM ) via XXXX  XXXX  in XXXX, Florida ( home address- XXXX XXXX  XXXX XXXX, XXXX XXXX FL XXXX ). 

All was well, budget payment ( auto pay-2 half payments a month ) until our mortgage got sold to XXXX XXXX XXXX XXXX XXXX ) a few months later/end of XXXX. 

Since our escrow account at XXXX has been at a negative status. XXXX said it was related to insufficient escrow amount, when we paid more than the full amount of taxtes to be due at closing, and during scheduled payments afterwards and to current date. Upon escalating at XXXX ( XXXX ) to no resolve, we reached out to EPM ( XXXX ). 

EPM after weeks and many follow up calls by us said someone paid our property taxes twice with the county. EPM then said they reached out to our XXXX XXXX FL property tax department obtained a check ( # XXXX for {$4800.00} ) that was mailed out to XXXX via USPS tracking USPS XXXX XXXX XXXX XXXX XXXX. 

However, our concerns are still not resolved now months later. Turns out XXXX does not have the " overage check ''. Per our call to USPS ( XXXX ) per tracking # XXXX XXXX XXXX XXXX XXXX the package was sent from EPM ( XXXX, CT XXXX ) to wrong city and wrong zip for XXXX, the XXXX XXXX XXXX was correct though. 

Sent to XXXX at XXXX XXXX XXXX, XXXX, NJ XXXX, instead of to XXXX XXXX XXXX XXXX, XXXX NJ XXXX. 

One of the EPM escalation contacts is at XXXX at XXXX, ext. XXXX has still to no resolve. 

XXXX contact XXXX, spoken to XXXX, XXXX ( id CRD ) said there are no direct supervisor, that we could submit a written request, she would look into it and call us back.

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