vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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: CA

Complaint narrative:
On XXXX XXXX I lost my phone and same day there were two transactions which I didnt authorize, moreover, I even dont know the names of these people to whom funds where transferred from my bank account ( bank of america ) by using XXXX : XXXX XXXX {$300.00} XXXX XXXX {$150.00} XXXX XXXX {$150.00} ( this one was transferred on XXXX XXXX, I have not authorized this transaction and I dont know this person as well ) Total of {$600.00} disappeared from my bank account ( bank of America ) . I have opened a fraudulent claim with Bank of America, after some time they denied the claim by saying it was valid transaction since it the transaction performed through a device from which transactions were performed before, they ignored my statement that I lost my phone and that Im sure that I never authorized those three transactions. I have been sending them evidences to Bank of America that I lost my phone, that I bought new one, as well as new cellphone number, in order to reopen the claim. Bank of America keeps denying and not considering my evidences. The claim has been reopened and closed 3-4 times already. Im tired of it. Seems like Bank of America supports fraudulent activities, doesnt care about their clients money, maybe they did these transactions themselves, maybe some Bank of America workers . I dont feel like Bank of America is safe and I cant rely on them anymore. I want to close my account with them and go to another bank, but before I do so, I need to receive the refund of {$600.00}, please help me. I sent Bank of America enough of significant evidences and the bank did not provide anything, they just keep saying that they cant refund because it was valid transaction through valid device and keep rejecting my words and my evidences that it was not me. Thank you in advance

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: KY

Complaint narrative:
On XX/XX/XXXX I purchased a US Bank Mastercard gift card from XXXX for {$500.00} + {$6.00} fee. I have attempted to use this card multiple times and it does not work. I was informed by US Bank support to fax in the front and back of the card and id. I did this multiple times, including multiple pictures of my drivers license. I called approximately XXXX times between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I talked with a supervisor and he told me the first fax that I sent on XX/XX/XXXX was readable so it should go through properly. Each time I call I'm told id is in reverse image which apparently means it isn't completely legible. Keep in mind I confirmed XX/XX/XXXX first fax had an image that was entirely legible per supervisor. 

I am attaching the front and back of gift card.

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 2023-11-27 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: NJ

Complaint narrative:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
Had my account for several years : used my debit card online in order not to go over : they hit me repeatedly for overdraft fees, and told me the new law did not apply to online purchases, only 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 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have been trying to get Online to see if my payment has been processed and the web site is gone- it will not come up. I made a payment on line back on XX/XX/XXXX which is my XXXX payment late - but themoney is still in my bank account has not been withdrawn and there is no web site and no one will answer the phone. I do not want a 30 day late on my credit and that will be XX/XX/XXXX. XXXX XXXX and the website is MYLOANCARE.com

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 2023-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I am writing to dispute the continue mortgage fraud that United wholesale mortgage has been creating against for over one year ; over a period of one year United wholesale has violated our mortgage agreement despite repeated requests, United wholesale mortgage continue to create serious issues against us that are creating economical stress, XXXX  XXXX  and XXXX, and also affecting our credit score and history. 

As you can see here in our previous claim history, this has been a personal perpetuated attack and violations to our rights. We are disputing the amount that UWM claims is owed according to the monthly mortgage statement, and disputing all late fees that we dont owe. As a result of the failure of UWM to honor the XXXX XXXX XXXX approved on XX/XX/XXXX We have spoken with different executive team members and customer service about setting a XXXX XXXX XXXX  On XX/XX/XXXX we received a letter about approval of the XXXX XXXX XXXX and an email confirmation of approval on XX/XX/XXXX ( SEE ATTACHMENT ) which includes : Your total monthly payment of {$1100.00} is due on XX/XX/2023. 
The day of XX/XX/XXXX we received a notification about being default consists of your failure to pay the monthly mortgage payments due beginning XX/XX/2023, until the present. The total amount due to cure the loan may also include sums for unpaid escrow deposits and late charges. The total amount due as of the date of this letter is {$8100.00}. 
We immediately contacted executive team members and customer service the following dates and several times : XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( please see attached ) Every time I had to narrate the whole story and on the last call on XX/XX/XXXX, I was reassured that my account will be updated accordingly. 
As of today XX/XX/2023, my mortgage account has not been updated according to the XXXX XXXX XXXX and shows past due amount since XX/XX/2023, because of the failure and lack of responsiveness of UNITED WHOLESALE MORTAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently check my credit report and I saw some incorrections that were not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I was alerted by one of my creditors that something was happening to my XXXX credit report, it is reporting a delinquent account that does not belong to me. Can you please help me investigate this and help me remove this from my credit report with all three credit bureaus, please? 

Columbia Debt Recovery - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WA XXXX XXXX XXXX ( Original Creditor ) - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Collection Account Account # XXXX XXXX  amount {$4700.00} past due as of XX/XX/XXXX Original {$4600.00} Terms XXXX  Months Please help me, I am a victim of identity theft and have been having issues with fraudulent accounts on my credit reports since XXXX. 

Thank you so much for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XX/XX/2023 received a text message saying I could pay my {$2100.00} bill online. This fraud charge was supposed to be over and the text alert is the way I found out it wasnt. When I called I was told that I needed dates and exact amounts of charges. I explained that I didnt make that I didnt know because I didnt make the charges. Fraud said they would send me copies of every fraudulent charge since XXXX so that I could call back and report each charge fraudulent individually. I never needed that information on the several previous charges I disputed. They also wont stop the late charges from being reported to the credit bureau. So now I have to dispute it with XXXX again. I believe they are retaliating against me for filing the previous complaint.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX repossesion on credit report should be removed from all three credit bureaus XXXX havent made a payment to this company in XXXX since the repossesion this needs to be removed time has lapsed on allotted time for reporting i never made any payment in XXXX  disputes have been filed but not honored to all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: GA

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  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I have a savings account with the XXXX XXXX a subsidiary of First National Bank of Omaha. XXXX XXXX is a privately held e-bank, FDIC-insured institution, that is not affiliated with the Federal Reserve System . 

Since XXXX I have been making ACH transfers from one of my XXXX XXXX accounts. Out of nowhere, XXXX XXXX  restricted my ability to withdraw MY money from my savings account. XXXX didnt give me any explanation or inform me of how long this restriction will be in place. XXXX claims they are investigating suspicious activity I invited XXXXXXXX   to check my credit report and contact the FBI and the IRS. They responded by asking me for an ID and a XXXX XXXX statement and the restriction continued without an explanation. They sent me an encrypted email to which I should reply and attach the information requested. The first reply to the encrypted email was not successful so we did it again. I have asked for three consecutive days if they received the information and they have ignored my emails. 

Bottom line, XXXX is blocking MY money, turning my savings account into an irretrievable deposit, and ignoring my emails. Can the investigation continue indefinitely? How can the bank regulators allow this abuse to happen? Even the police are required to show cause to act, but not the bankers. XXXX XXXXXXXX  is acting more like a scam than a legitimate bank. 

Profiling based on perceived race, ethnicity, national origin, or religion is patently illegal, it violates the U.S. Constitutions core promises of equal protection under the law to all and freedom from searches and seizures without evidence of criminal activity. Accordingly, show me the evidence of criminal activity or lift the restriction.

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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Was charged XXXX dollars by XXXX for a hotel room that was supposed to be at XXXX XXXX New York tried to cancel 20 mins later on XX/XX/XXXX because it was in XXXX and didnt have a passport, XXXX said I had to open dispute with my bank ( PNC ) which I did for 90 days and was told if merchant does not respond by 90 days I would get my money back I opened a claim XX/XX/2023 and it was denied XX/XX/2023 because they couldnt reach merchant

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone stole my identity in 2019 and I have not been able to do anything since. Someone recently stole my computer with both mine and my sons information and I fear it will only make things worse.

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 2023-11-27 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: CA

Complaint narrative:
On XX/XX/XXXX, I took my son, XXXX, to the XXXX XXXX XXXX XXXX XXXX car lot in XXXX, CA. to purchase a vehicle of his choice with his pre-approved letter for $ XXXX from his personal bank, XXXX XXXX XXXX XXXX. When he presented the approval letter to the salesman, he took it back to the finance department to get verified. 
The salesman returned and stated that the approval letter was verified by the bank and my son was " good to go ''. 

After my son, XXXX, selected a XXXX XXXX XXXX, for $ XXXX plus fees, the salesman took the paperwork to the finance department, and returned to us stating that the finance manager said they would let my son have the vehicle, but only with a " backup signature '' ( as he said it ). Little did we know that the salesman was hinting that they wanted me to co-sign, which we both misunderstood what he was trying to say. That's when I made the mistake of giving him my ID. 

The salesman gave us the contract agreement to sign. As I began to read the small print, I immediately told my son " Don't sign that paper ''! My son asked me why? I told him that they changed the numbers on that contract. And I think they ran my credit without my permission. My son 's bank, XXXX XXXX XXXX XXXX, approved him to pay XXXX XXXX/mo., 7.940 % and 72 months to pay it off. XXXX XXXX XXXX XXXX XXXX lot had changed the numbers to 15 % interest rate, {$900.00} a month, which is a significantly higher amount. My son stopped reading the contract, because I said " let 's go ''. I was furious. I told my son we were not going to sign those papers because they ran his credit as well as mine without my permission as well, changed the interest rate and increased the monthly payment. That's when we decided it was time to go. 

This did not make sense to us because my son 's approval letter was good for $ XXXX. That's when we realized they were trying to scam us in order to use their own bank to finance the vehicle for a higher profit. 

They did not have my permission to run my credit. They knew what the procedure was when some one presents them with a pre-approval letter from another lending institution. And this is not what they did. That's fraud. Now, there are numerous hard inquiries on my credit report unauthorized. I did not come to buy a car anyway. 

15 USC 604A section 2 states : state a consumer reporting agency can not furnish an account without my written instructions.

15 USCs 2 ( A ) ( 1 ) : A person shall not furnish any information relating to 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 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: IA

Complaint narrative:
I have tried multiple times obtaining verification on this debt account that is showing on credit report and I have been ignored all along. I disputed account with bureau and asked to verify or delete immediately as I do not recall having account open. I disputed account with the CFPB by mail and I havent heard anything from neither bureau or CFPB.

Company response to consumer: Closed with explanation