vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
My bank is the US Bank. On XX/XX/XXXX I viewed and messaged a person on XXXX about a vehicle listing, they claimed to have a well-conditioned XXXX  XXXX XXXX and wanted {$3000.00} in total. I used XXXX on my bank app as the main transfer to send and receive money. I made my first payment on XX/XX/XXXX of {$150.00} as a hold on the car and to pay in advance for paperwork. I live in Missouri but the car was in Arkansas. I continued communication with the scammer and I offered my current car as a trade-in that he agreed to, bringing my cost of the car to {$2000.00} including a trade-in. He, later on, took back his agreement saying my current car was not worst a lot and ask me to pay the total amount for the car in order to finish the paperwork before I arrived. I made two more payments, one on XX/XX/XXXX for {$1700.00} and another on XX/XX/XXXX for {$700.00}. XX/XX/XXXX was our agreed date to meet so I could pick up the car. But at the location neither the car nor the scammer was present. I immediately filed a dispute with my bank and made a police report. Between XX/XX/XXXX and XX/XX/XXXX I called and ask about the status of my dispute. On XX/XX/XXXX I called around XXXX XXXX and asked again about any actions I could take to aid the investigation, the representative then told me that on XX/XX/XXXX the dispute was closed and that id is getting back my money back by the end of the month. Immediately after the call, I went to check my mail to find a letter stating that all my disputes for each payment were declined. I have text messages and the social account of the person who scammed me. I have the evidence and witnesses that were with me to prove I was wrongfully taken advantage of. I'm a first-year college student in desperate need of money and a new car. I worked hard for my money just for a scammer to use me and for the bank to protect them. US bank didn't ask for any of the evidence I had or for my full story.

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 2022-06-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2022 a hard inquiry with XXXX XXXX XXXX appeared on my credit report. I did not inquire to increase my credit, nor did i inquire to open a new account. I have emailed XXXX asking them to resolve this issue but have not heard back yet.

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 2022-06-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On my latest personal credit report it shows a credit card that is not mine. Data lollows : USAA Savings Bank XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Monthly Payment Monthly payment {$910.00} Date opened XX/XX/XXXX Loan type : CREDIT CARD account type : Revolving Account Date updated : XX/XX/XXXX Payment received : {$0.00} Pay Status : Account 30 days past due date Terms : {$910.00} per month paid monthly High Balance History : high balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX : {$8.00} from XX/XX/XXXX to XX/XX/XXXX. 
{$16.00} from XX/XX/XXXX to XX/XX/XXXX ; {$19000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX remarks : FIRST PAYMENT NEVER RECEIVED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: CA

Complaint narrative:
These are fraudulent informations in my credit report. I did not open these accounts. 

Fraudulent Charges to XXXX XXXX XXXX Account XXXX or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$260.00} Fraudulent Personal or Business Loan Company XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$290.00} Fraudulent Rental of Apartment or House Company or Organization : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$1500.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account XXXX XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$13000.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date that I discovered XXXX Total fraudulent amount : {$1100.00}

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 2022-06-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These are fraudulent informations in my credit report. I did not open these accounts. 

Fraudulent Charges to XXXX XXXX XXXX Account XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$260.00} Fraudulent Personal or Business Loan Company XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$290.00} Fraudulent Rental of Apartment or House Company or Organization : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$1500.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account XXXX XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$13000.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date that I discovered XXXX Total fraudulent amount : {$1100.00}

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 2022-06-14 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear XXXX XXXX, After receiving the response to my complaint via consumer finance this is a follow-up response due to the error not being corrected. The FCRA allows you to continue reporting the account for seven years from the first delinquency that led to the charge off, which for me is XX/XX/XXXX and as of XX/XX/XXXX the account should have been removed from my credit report to comply with FCRA an althrough this account has been reported on my credit for the past 7 years I have never receievd a validation notice which violaited FDCPA policy.

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 2022-06-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. I never in my life had an account with XXXX  In XXXX, I was a victim of identity theft, I contacted XXXX and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX  XXXX has violated my rights as a consumer and Im requesting legal action to remove this account 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 2022-06-14 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 Act XXXX XXXX  XXXX Acct XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: FL

Complaint narrative:
I need my income driven repayment information in order to complete underwriting for a mortgage. This information is not being sent to me which has opened me up to a potential breach of contract lawsuit in addition to losing my earnest money and survey, inspection fees. By witholding this information, my servicer is causing immense damage to me as I could be without housing should this sale fall through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
This morning after already speaking with the debt holding company regarding a debt that I did not feel was proper I received a phone call at approx XXXX EST from a XXXX XXXX of McCarthy , Burgess and Wolfe XXXX She was immediately combative when I told her that I believed the bill to be a mistake and began spouting off how it was absolutely not a mistake and would not even hear me out. She also began to tell me that I had some how agreed to terms and conditions that would allow XXXX ( the debt holder ) to charge me for up to 60 days past my cancelation date. Regardless, she was rude and aggressive which was uncalled for as this was the first time they had made contact. Subsequently I was then contacted via email at XXXX est with a formal letter attempting to once again collect the debt. It is my understanding that it is a FDCPA violation to contact someone more than one time in a 24 hr period when confirmed party contact was already made that same day. I am displeased with the experience and feel further action should be taken against this firm/employee. The issues with the Debt holding company has since been resolved directly with them not this debt collection firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Wednesday XX/XX/2022 : I received a text from XXXX saying " XXXX CAPITAL ONE Fraud Prevention Team. Did you Attempt A Transaction At XXXX XXXX For The Amount of XXXX $ REPLY YES OR NO, OR STOP To Stop Alerts. '' I replied NO, and received a response stating : " FreeMsg capital one Bank Fraud Prevention Team a representative will be contacting you shortly. '' A person called and was asking detailed personal questions about my account, and I determined this was not Capital One and hung up. 

I called Capital one at XXXX and spoke with 3-5 people over the course of a 67 minute long call. My checking and savings accounts were closed, new ones were opened, and I was told the funds would take a few days to transfer from the old accounts to the new ones. They also sent me a new debit card. 

Tuesday XX/XX/XXXX : I received the debit card and I was able to see the funds in the new accounts online, but I was unable to add the debit card to my XXXX as a payment method, it said there is a problem and to contact my bank. At XXXX I called and spoke with someone at Capital One who stated that there was an extra measure of fraud protection and my account had been held. They stated that I need to make a purchase in person for the card to work. I went to try buying a coffee and the card declined. 

Thursday XX/XX/XXXX : At XXXX I called Capital One to advise them that my card was still not working. They said the new debit card was somehow linked to the old checking account, so they fixed that. They also stated that there was still a fraud hold on my account. They said they removed it, and that my card should work now. I tried adding the card to my phone again and this did not work, and tried making another transaction in person which also did not work. I called back at XXXX and asked to speak with a supervisor who said basically the same thing : there is/was an extra measure of fraud protection on the account.. they removed the hold and the card should work. 

Saturday XX/XX/XXXX : I was unable to link my new checking account to another financial institution to make a mortgage payment. It stated that the account was not authorized for bank to bank transfers. I called Capital One and explained the entire situation again, and after speaking with a supervisor I was told that there is an extra measure of fraud protection on my account and that I may not be able to make any transactions for up to 6 months. 

Tuesday XX/XX/XXXX : I called the branch in XXXX NY to see if someone there could help me. Someone named XXXX said that the branch can't help customers from out of state, or over the phone, and that I need to contact customer service. 

I haven't had access to my money for 12 days as of right now and I need some sort of action taken. I will be contacting local authorities in addition to submitting this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I got my student loan over 20 years ago. I did not speak to a counselor to guide me. I had no idea what I was getting myself into- I was young and had no guidance- was lost in school and had to drop out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AXOS FINANCIAL, INC.
State: CT

Complaint narrative:
Refusal to adjust how this account is being reported to credit bureaus. This account has never been 4 months late. Plus refusal to provide copy of original contract so that I can see if my right to defer payments was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account " XXXX XXXX '', " XXXX XXXX XXXX XXXX XXXX  " JPMCB CARD '', " XXXX XXXX & XXXX '', '' XXXX XXXX XXXX', has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX Initial complaint filed. I have filed multiple requests for updates. I have faxed, emailed and mailed my identification including my driver 's license and social security card. My banks are still unable to pull my credit report and score. I have been told on multiple occasions including the above listed complaint that this has been resolved and it has not. Each day is costing me a risk of higher interest rates and delays the progress on my project.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I sent a loss mitigation application and all requested documents to Carrington Mortgage. I was in contact with them throughout the process and sent in everything when asked. I really thought they were going to help. Soon after, I receive a denial/cancelation letter with no reason as to why. I called and was told to reapply, which I did. Not a week later I get a Notice of Intent to Foreclose demanding all arrears due when I am not even 60 days late yet. Now they won't respond to emails and customer service can't assist. I even told them I'm willing to accept the 3 month payment plan an agent said they offered which wouldn't even need a loss mitigation application. Now I can't even get that. I thought there were laws protecting borrowers and sending a notice to foreclose after only 45 days shows the true motive. It really seemed they cared at first, but to try to take a house from a single parent with a young daughter when I'm trying and able to pay what I owe is truly awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: FL

Complaint narrative:
After contacting XXXX, Transunion and XXXX customer service by phone, I was told to submit the enclosed complaint. I also would like to remind you that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. I know that my information is being used to mislead, open, charge funds, inquire and whatever else, without my permission. I need these items removed immediately. Both the accounts and the inquiries. 
I demanded to see Verifiable Proof, whether electronic or wet signature, of what they have on file of the account and inquiries. They failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove. There is bankruptcy showing up on my credit report. This is false information as this bankruptcy does not exist.

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 2022-06-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After contacting Equifax, XXXX and XXXX customer service by phone, I was told to submit the enclosed complaint. I also would like to remind you that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. I know that my information is being used to mislead, open, charge funds, inquire and whatever else, without my permission. I need these items removed immediately. Both the accounts and the inquiries.

I demanded to see Verifiable Proof, whether electronic or wet signature, of what they have on file of the account and inquiries. They failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove. There is bankruptcy showing up on my credit report. This is false information as this bankruptcy does not exist.

Company response to consumer: Closed with explanation