vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
bank not applying payments correctly Per XXXX no monies applied to principle per XXXX payment no monies applied to principle per XXXX payment no monies applied to principle which is not showing a decrease in principle amount have attempted to have bank correct stayed on phone 4 hours on phone agents disconnected twice one agent disconnected on call with agent transferring call neither called me back so, for three months my principle amount has not changed which means the interest that is being charged is being applied to a principle that should be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. ( XXXX XXXX XXXX ) for the dates XX/XX/2022 XX/XX/2022 XXXX XXXX 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 2022-08-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
On Wednesday, XX/XX/2022, Bank of America, with whom I have an Alaska XXXX credit card, opened a savings account without my permission or notification, ( until today, XX/XX/2022 : 5 days later ). Currently they have it arranged such that I can only pay my BoA credit card from the unauthorized BoA savings account. I have been on hold with them for an hour and counting after briefly talking with a representative about the nature of the problem : she said she could not handle the problem and was directing me to the correct department. My next credit card payment due date is XX/XX/XXXX. I am not willing to be forced to deposit money in the unauthorized savings account in order to pay my credit card on time, as I have previously set it up with my personal checking from another bank and have never, not even once, been late on a payment. If they do not resolve this within the next 4 days, we are at an impasse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
on XX/XX/XXXX, I received an email from Discover Bank that was state that their system detected unusual activity on my accounts. For security purposes, they suspended access to both of my saving and checking accounts. The email also provided me to call, XXXX or XXXX. When I immediately called XXXX, it took me to a automatic message that telling me that the bank officially decided to permanently close all of my accounts and no further explanations will be provided due of their " business decision ''. 
I tried XXXX and it took me nearly 3 hours to reach " bank specialist '' and yet they couldn't explain to me why my accounts were frozen and furthermore state that it will take 60 days from my last deposit to receive my {$7000.00}. I've been calling them weekly to keep up with my accounts status. However, each time I call them, I would get different answers. When I called them back on XX/XX/XXXX, the person on the phone told me it would most likely take longer than 60 days to get my money back. And she wasn't sure that when will my accounts will be officially close. This doesn't make any sense to me. because when I called them on XX/XX/XXXX, the specialist ( a different person ) told me that my accounts are closed and will get my funds back around in beginning XXXX. 
I have never had these kind of issues with my local bank. The fact that Discover bank couldn't provide me any explanation regrading closure with my accounts sounds very fraudulent. And I am afraid that I would not get my money back. All of my emergency funds were in there and I am behind with my bills. I believe that Discover bank is dishonest and operating on bad faiths.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Portfolio Recovery Associates 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 an account without my written instructions.

This account has also been paid in full/settled for a lesser amount. I would like to have the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: KS

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX Employer : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name : XXXXXXXX XXXX XXXXXXXX XXXX Employer : XXXXXXXX XXXX XXXX XXXX XXXXXXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Boost is not reporting my rent payments. I have linked my XXXX XXXX XXXX XXXX account to the Experian online and I do not see my rent payments counting toward increasing my score. Experian has also discriminated against me for many years by not allowing me to access my credit report despite sending my information to them. Furthermore, due to Experian not correctly reporting my credit usage my credit score is low. If this is not remediated immediately I will pursue legal action. I have done everything to prove my identity and I was a victim of Identity theft by compromised XXXX XXXX XXXX XXXX as well as XXXX leaking my information to other people. My phone keeps getting spam messages from phony companies. IF this is not dealt with immediately I will pursue legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Re : Charles Schwab Banking Checking Accounts ( ALL LOCKED ) : # XXXX : XXXX Current Balance= {$2400.00} Opened on XX/XX/2022 # XXXX : XXXX Current Balance= {$1100.00} Opened on XX/XX/2022 # XXXX : XXXX Current Balance= {$0.00} Opened on XX/XX/2022 Charles Schwab Banking has locked all three of my checking accounts for almost two months now. I have funds in my first two checking accounts and I had full access until the lockout happened shortly after XX/XX/2022, which is the date I had opened my third checking account. Schwab banking required knowledge that I, the customer, had purposely opened all three checking account. I had professed yes to a Schwab banking phone representative who then sent an email request to their fraud department to unlock my accounts. The call was logged on XX/XX/2022. This type of request for resolution happened many more times with my logged phone calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I'd also walked into a Schwab branch in XXXX XXXX California before and on XX/XX/XXXX and XX/XX/XXXX, where I had provided copies of my California driver 's license and my USA passport. Their in-branch representatives forwarded those copies to their fraud department, requesting for my accounts to be unlocked. I was told by all Schwab representatives that the fraud department can only be contacted by email or mail and there is no other method to contact them by phone, not even by them. I find that very suspicious. I also find suspicious that I have not once been contacted by Schwab banking by phone, by email, nor by letter to notify me of their action of locking my funds in my bank checking accounts that are FDIC protected. It is unacceptable that Charles Schwab Banking has prevented access to my checking account funds for more than eight weeks now. We are USA and not XXXX. And so I formally request a case to be opened to investigate Charles Schwab Banking 's failure to provide their fiduciary obligations to me, their customer, as required by their FDIC certification. Please contact me any time via phone or email if you need further information. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Payroll Card issued from Comdata. I have over {$3000.00} of charges made at XXXX and XXXX and all were unauthorized. I Contacted Comdata and they have refused to provide me the details of the individual charges and will not mark these charges as fraudulent. 
Because the have not provided me the details I can not file a Police report with the specfic dates and amounts charged on the card. I spoke with them on XX/XX/XXXX and attempted to file a claim with Comdata. They have declined my request for a claim and have not been able to answer how a card can be used without Pin number being used at check out. 
I was i possession of my payroll card all the time. How can someone got to XXXX and XXXX make purchased without my card being used. I believe possibly ATM machine use compromised my 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 2022-08-08 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: SC

Complaint narrative:
I have noticed that my credit score went down and I have great credit so this was a shock to me. There seems to be a collection account that doesn't belong to me from a " XXXX XXXX XXXX ''. I checked into the original debtor and its somewhere I have not been or used their services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
Flagstar bank was negligent in the storage of my personal information and claim they lost it during a hacking incident in XX/XX/2021. I have asked multiple times what information was stolen, for them to permanently delete my personal information and also to provide reimbursement for identity theft insurance. XXXX has refused to take responsibility or action on any of these. They also told me on the phone if I take their offer for XXXX XXXX XXXX, it requires the consumer to give up all rights to hold them legally liable for damages. This is not clearly spelled out and is deceptive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: FL

Complaint narrative:
Pursuant to USC 15 Ch. 41 ( III ) 1681 - Congressional findings ; Equifax reported false accounts, unauthorized inquires and scores to third parties. Therefore, not exercising its grave responsibility of fairness, impartiality, and respect for my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
I filed a dispute back on XX/XX/XXXX and in their paperwork it says in 10 days they'll provide a provisional credit while they're doing their investigation or they'll contact me I've had to call them several times I've explained to them that the reason my questionnaire on the transactions was a few days late was because I was involved in a natural disaster which was a fire here in California and my paperwork was at home and I was evacuated from my house and I was not able to send the paper on time and apparently that doesn't matter it's been XXXX  days since I filed the complaint I haven't heard anything from them every time I call they give me some XXXX  excuses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: KS

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX Employer : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian Name : XXXXXXXX XXXX XXXXXXXX XXXX Employer : XXXXXXXX XXXX XXXX  XXXX XXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

This account has also been paid in full/settled for a lesser amount. I would like to have the account removed 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 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2022, I was contacted from a representative/organization purporting to be XXXX XXXX XXXX Before answering the call, I searched the number online, and it came back as being from XXXX. After receiving confirmation that it was a XXXX number, I answered the call. They claimed that my account was in danger of disconnection, and that I needed to pay my past-due balance in order to avoid disconnection of service. They asked if I was aware of their fast-pay option through XXXX. When I said no, they proceeded to inform me about it and collected a payment of {$120.00} After making the payment, the call disconnected and I immediately called XXXX back. The representative I spoke with informed me that this was likely a scam, and tha that they had received numerous reports from customers who had been similarly defrauded by this very scam. I filed a report with the representative from XXXX and immediately called my bank, Wells Fargo, to report the fraud and begin the investigation process. My initial Wells Fargo claim was denied. Following this, I asked to have the claim escalated to the Executive Office, who also denied my claim, saying that that claim was completed as requested and no bank error occurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My mortgage loan was with XXXX XXXX ( XXXX ). XXXX sold my loan to Carrington Mortgage Services. The transfer of this loan was not done properly. I was notified that my loan was sold and that was it. I did not receive any other information about my new mortgage or from my new mortgage provider until they sent me a Monthly Mortgage Statement. Then I receive notification that I did not have enough flood insurance which then I was forced to purchased gap insurance. When asked why my flood coverage was acceptable by XXXX. I did not get a response, I was just told I need to increase my flood. So I contact my insurance agent to purchase additional insurance to meet the new lenders requirements. I sent them the endorsement that I had purchased the additional insurance. I received and email that they accepted my documents. So I thought the matter was solved. Then today I receive a new mortgage statement the the GAP flood coverage on my invoice. I do not believe that XXXX or Carrington Mortgage company complied with the requirement of notifying the homeowner. Causing me additional work, worry and money.

Company response to consumer: Closed with explanation