vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
Today I got notifications from XXXX and XXXX that my score went up, XXXX raised my score XXXX points and is currently XXXX, XXXX raised my score and it is currently XXXX, Transunion dropped my score XXXX points and is XXXX. This has happened before with both XXXX and Transunion but I called and they fixed it. This time however, Transunion said that there is never a mistake with the score and would not even try to investigate or assist with why it happened or what went wrong. I realize that there will be differences in scores from time to time but it is always within a few points either way. not XXXX to XXXX points difference. I don't know what causes these mistakes but like I said it has happened before and they fixed it with a phone call, so I'm not sure what's going on but the disparity between scores is drastic and I want them to review it and fix it.

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 2023-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I purchased this house with maximum financing at 95 % LTV. I then sold my previous house and used the proceeds from purchase of previous house to paydown/modify the initial loan amount for my new purchase. Wells Fargo then paid down the balance and modified my monthly payment but continued to charge me for the monthly mortgage insurance payment after I requested for them to cancel the monthly XXXX XXXX mortgage payment for the initial loan balance that was used to purchase the house after I paid down the mortgage balance owed being well below the 78 % LTV making the modification. After selling my previous residence, i modified my previous loan balance to under 78 % LTV and requested my monthly mortgage insurance to be canceled. Wells has charged me monthly mortgage insurance payments since i requested for it to be canceled since the modification payment was made. When I paid down the loan amount to below 78 % ltv, I requested the monthly mortgage insurance to be canceled. I recently noticed Wells has been charging me for monthly mortgage insurance since paying down the balance to below 78 % LTV and I have tried requesting a refund from wells but they stated in a US mail correspondence that I did not request the mortgage insurance to be cancelled and they do not owe me a refund. This is ridiculous. I have XXXX  years in mortgage banking experience and requested the the monthly XXXXXXXX XXXX XXXXXXXX to be cancelled when I paid down the balance. They owe me for the excessive PMI payments, I have record of my monthly MI payments yet Wells says I did not request the monthly PMI to be dropped when I I went below 78 % LTV but I did request for the monthly PMI payments to be dropped, they just never did. It took  XXXX years to learn they did not drop the monthly PMI payments, when I noticed and brought it up to Wells, they said I did not request for the PMI payments to cancelled when I paid down the balance but I did request for it to be dropped. I am a mortgage professional that had to close down a family owned mortgage company due to XXXX restrictions and not knowing if a bank could buy the loans we were selling. I feel Wells Fargo is not providing the fiduciary responsibility they owe me as a loan servicer. My calculation, they owe me roughly {$1800.00} in excessive monthly mortgage insurance payments that were not needed. Please contact me at XXXX and leave a message if you have any questions about this request for refund from wells as I have tried to talk to someone from wells twice but all they do is mail a response even after requesting for a call and voicemail from someone that can provide answers to the questions I have. 

Thank You, XXXX XXXX XXXX XXXX aka XXXX 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 monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Bank of America my account was hacked, crypto currency

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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I received my security deposit back from my landlord and deposited the check via Chase App on XX/XX/2023. The amount was {$6300.00} which was cleared briefly in my account on/around XX/XX/2023. When I logged back on to my account on XX/XX/2023, I discovered that both my checking and savings accounts had been closed by Chase, and all funds ( around {$6400.00} ) were gone, also no history of my accounts was available.

When I called customer support, I was told since there are two names on the check ( mine and my roommate 's ), they were not able to verify with the other party, thus took all my funds and closed my account. I was instructed to give them my roommate 's phone number for verification, but they said the number is not registered, and thus can not be verified. My roommate and I had agreed to deposit the check in one person 's account and deal with it on our own. Both my roommates and I are XXXX XXXX  here in the United States, therefore we can not get post-paid numbers. Both of our phone numbers are pre-paid, and Chase said they can not verify that. Chase told me the phone verification was the ONLY way, no other options were given to me.

After trying to get them to verify the check and did not work out, I asked Chase to return the funds back to the issuer ( my landlord ) so that they can issue me a new check. This phone call was made on XX/XX/2023. But Chase said I can not do anything to my funds, I had to ask my landlord to recall the check. After contacting my landlord, I was told they can not recall the check since the funds are already out of their account. I can provide the email history between me, my roommate, and my landlord if needed.

I am left with no options as to how I can get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I receive grants from the us government of treasury I deposited checks into my bank of America account everything was fine they cleared the checks in 3 days I was able to spend my money I'm not to sure about the dat but maybe XXXX the XXXX I went to a XXXX XXXX bank of America financial institution to do a wire also I was doing wires at bank of America in XXXX XXXX with no problem but the downtown institution started asking me question like where did the money come from so I explained they froze my account they sent me a letter in the mail saying I can no longer use my debit card or spend my money they told me that they were going to close my account XX/XX/XXXX and they told me that in the month of XXXX so I waited until XX/XX/XXXX and they didn't close it and said that they going to extend for more review so I called them after XX/XX/XXXX for the stats of my account and they kept giving me dates now it is XXXX they closed the account XX/XX/XXXX but said the funds will go into the back office for further review and bank of America told me there is no timeframe on when they will release the funds also they said that they are going to send money back to where the government checks came from which is the its but when I talked to the its XX/XX/XXXX they told me they are suppose to send to me my address which was on file the its also told me I should get a attorney I'm struggling just to make ends meet I'm behind on my bills because I was told by bank of America that they were going to close my account and send the money to my address but they just been lying to me I just need my money so I can move on thanks hope you can help

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 2023-07-19 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: IL

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. 

XXXX - XXXX : # XXXX, XXXXDEPT OF ED : # XXXX, XXXX/DEPT OF ED : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX  ) : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) XXXX # XXXXXXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-19 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: CT

Complaint narrative:
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed 8 vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : DELETE THIS FROM MY CONSUMER REPORT OR I'LL TAKE THIS TO ARBITRATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: CT

Complaint narrative:
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed 8 vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : DELETE THIS FROM MY CONSUMER REPORT OR I'LL TAKE THIS TO ARBITRATION.

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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XXXX the account of @ XXXX contacted me wanting to pay me for companionship. He said I was so beautiful and didnt want to do anything inappropriate just get to know me and not waste my time by paying me for that time. So I said okay. After a week of talking he sent me a check of XXXX. He asked me what bank I used and I told him and then told me he wanted to include some money for me to send to a charity for foster children. I asked why he couldnt and he said because he has given them too much and wanted it to come from me. After the check cleared on my Mobile deposit I sent the contact he said was in charge of the financials for the orphanage in the amounts he asked for. These were directed to the XXXX XXXX phone number I provided. 

Then he sent another check for XXXX and wanted me to do the same thing. After one XXXX he started asking me for inappropriate pics and convo that I got uncomfortable and started to realize it was a scam. Shortly after this the checks bounced out of my account and I was put into the negative. He hasnt contacted me since. 

I sent him a total of {$2500.00} XXXX payments before the funds he sent by check were taken out of my account. I thought the money was approved as it said it was after mobile deposit. Once it was finally reviewed it was taken out of my account because the check was tampered with. At this point I had used some of the money to pay off bills and I didnt know I was putting myself in the negative. 

I cant even get a loan now with a negative account balance and Ive had a couple of direct deposit work check go into this account reducing my negative but leaving me with nothing to live off of. All of my bills go through this account as well. 

After contacting my bank right away I filed a claim for the XXXX payments and for the scam. My account was on hold but not closed and they said I couldnt do anything for 10 days while it was being reviewed. 

I got letters in the mail at various days XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX all dating the same day XX/XX/XXXX in the mail itself. The conclusions they had were that I can not be reimbursed for the funds I sent or the check I thought was approved.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I am not associated the address in file that attached to my credit report and my name is incorrectly spelled.

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 2023-07-19 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: TX

Complaint narrative:
in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 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 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 XXXXXXXX XXXX # 4899 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.C1681c. ( 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 ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2023-07-19 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: TX

Complaint narrative:
in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 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 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 XXXXXXXX XXXX XXXX 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.C1681c. ( 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 ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2023-07-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On or about XX/XX/2023, a dispute was filed with Experian online concerning an alleged collection debt I am unaware of but Experian 's results on XX/XX/2023 claim that it verified the alleged debt. Therefore, another dispute was filed on XX/XX/2023 requesting Experian re-investigate the alleged debt and provide its methods used when validating the alleged debt. Further, per a consumer 's rights, a demand for proof of the alleged debt was included in the validation letter I submitted on XX/XX/2023. I requested for the following documentations ( a ) the original contract with the original creditor that was executed by me ; ( b ) the names of persons you spoke to about this alleged debt ; ( c ) an affidavit that you have lawfully investigated and lawfully verified this alleged debt and AFFIDAVIT MUST BE NOTARIZED ; ( d ) the assignment of this alleged debt ; ( XXXX ) an itemized statement of this alleged debt that provides a breakdown and itemized list of fees associated with the alleged debt from the original creditor, all collection costs, and all other expenses ; and ( f ) verification of the late payment date. On XX/XX/2023, Experian issued results of its re-investigation in connection with the dispute I filed, and Experian unlawfully claims " account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' but continues to fail at providing its methods of validation and the proof of validation as demanded on them. Experian continues to unlawfully report inaccurate and erroneous information on my credit report, and continues to fail at its obligations to lawfully validate debt.

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