vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report. 
To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
The unauthorized hard inquiries I am disputing are as follows : [ XXXX XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met.

As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section 611 of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter.

Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WAFD BANK
State: OR

Complaint narrative:
On XX/XX/23 I walked into WAFD BANK TO DEPOSIT A CHECK?, from XXXX XXXX? ( a friend/ step dad ) he normally wires me money from XXXX XXXX  XXXX XXXX XXXX, I asked to deposit my check ( {$4000.00} ) & they said sure. The check was cashed & processed & posted to the account on XX/XX/23?, according to WAFD REPRESENTATIVES?, & online banking evidence ( proof of the {$4000.00} posted/credited to my XXXX XXXX XXXX ACCOUNT ( XXXX ) ( a savings acccount ). On XX/XX/23 the bank released my check hold?, authorization to release my funds of {$4000.00} to my money market account?, FUNDS WERE AVAILABLE TO ME & THE CHECK WAS CASHED & CREDITED & POSTED TO MY ACCOUNT?, On XX/XX/23?, someone in administration of WAFD BANK?, stole my money ( {$3000.00} ) & proclaimed, that ADMIN : return CAN XXXX XXXX On the contrary, the check already had been cashed & processed on XX/XX/23? The representatives of WAFD BANK said, THERE WAS A STOP PAYMENT PLACED ON XXXX on XX/XX/23? I dont know what those people in the back office of WAFD BANK is doing to my accounts?, but they are stealing {$25.00} from each of my wires & they are placing stop payments on my checks & they are committing serious fraud?, & they are refusing to explain to me the situation of why they are stopping payment on my check XXXX that has already been cashed? As well as returning my money or crediting my account for the amount relinquished. They are seriously hurting me financially & it has caused my finances to go into default debt for the moment. Please help me to recover my cashed check XXXX & ( {$4000.00} ) have it immediately credited & posted as was back on XX/XX/23?, it is illegal to place a stop payment on an international check that has already been cashed & processed in the account. Greatly appreciated, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
signed for truist new account and sign on bonus with couple of direct deposits and funding new account with a minimum balance, caompleted all the tasks and yet denied the bonus and reached multiple customer reps and everyone gives a different reason and which is not true

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 2023-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Freedom Mortgage Corporation XXXX XXXX ) purchased our non-XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX  XXXX XXXX. Sometime after the Corporations purchase ; without our knowledge or consent, the Corporation added XXXX XXXX XXXX XXXX XXXX  ) to our loan, and listed it as XXXX XXXX XXXX loan. Our prior loan was specifically refinanced to remove the XXXX. Upon the Corporations purchase of the loan ( late XXXX ), the fair market value of the home was between $ XXXX $ XXXX ; and the remaining balance on the loan was less than $ XXXX. Those numbers show a Loan to Value ( LTV ) of 50 % - 45 %. Had the prior loan been a XXXX  loan, this does NOT automatically make the current loan a XXXX loan as the LTV is well below the required threshold for automatic removal. Freedom Mortgage Corporation without consulting or notifying the buyer, negligently added the XXXX  ( $ XXXX ). Additionally, the Corporation has based their additional escrow holding utilizing the XXXX  in their calculations to an additional sum of {$300.00} ; in which it has raised the monthly mortgage payment an additional {$100.00}. We have called Freedom Mortgage twice on this matter and have been bounced back and forth between customer service to insurance and back to customer service ; however, no one will assist. We sent a letter ( USPS tracked ) dated XX/XX/XXXX which was received by Freedom Mortgage on XX/XX/XXXX @ XXXX ; however, again, Freedom Mortgage has ignored this also.

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 2023-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I previously asked not to be contacted and the file they have was supposed to be flagged to cease communication. I just received 3 separate collection letters from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To Whom it may Concern, Two accounts are reporting information that isnt 100 % accurate but have been marked as verified. Please remove these accounts based on inaccurate information 15 U.S. Code 1681i Sec 5. 

Account Number Company Name XXXX XXXX XXXX XXXX Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp
State: NJ

Complaint narrative:
I have been trying to get access to a verification of mortgage document for the past XXXX weeks, since I am trying to refinance my home. Every time I call to inquire over at Security National Mortgage Company. I always get a different message. That it takes several days. Later on, that the request was never entered into the system properly. Later on, that I need authorization to be able to access these types of documents. Finally when I tried speaking with a supervisor, on several occasions I have been placed on long wait times, to later be hung up on. My second to last call lasted close to an hour and nothing was done. Moreover, prior to this, it took a whole month to get a payoff letter. It has been a nightmare trying to get any sort of assistance and or documentation related to my loan. Sadly, I missed my deadline for document submission to prove my loan was in good standing, and my refinance was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I received a letter from this Alleged Debt Collector Trying to demand a payment of {$330.00}. I'm attaching the letter received as reference, The amount is fully disputed due to the Fact I suffered a Physical Assault by an Employee of the XXXX XXXX XXXX XXXXXXXX around by that time, I was paid by the city of XXXX XXXX property damage, medical expense, The XXXX XXXX XXXX XXXX Forgot to dismiss this False Parking Ticket it was a part of the settlement at that time. 
Thats the reason I want to escalate to the Attention of the CFPB since the Alleged Debtor Harris & Harris LTD 's Fraudulent business Practice is trying to collect an amount of {$330.00} I don't owe to none.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: CORELOGIC INC
State: TX

Complaint narrative:
I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take 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 2023-08-05 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I want to request assistance and file a complaint against USAA federal Savings Bank for refusing to close my accounts with the Bank. Since XXXX, I have been trying to close my USAA and bank account and been running into a number of issues. Every time my bank accounts with USAA have been closed, a few months later, they are reopened by a fraudster in violation of bank rules and regulations. 

In XXXX and XXXX, I called USAA many times and expressed my desire to terminate my business relationship with them and close my bank account. Each time, they stonewalled me and tried to talk me out of it. I had to file a complaint with the Consumer Financial Protection Bureau against USAA for refusing to close my bank accounts, Reference number XXXX. Finally on XX/XX/XXXX, I sent a certified letter to USAA by XXXX ( tracking # XXXX ) requesting that all my accounts be closed. On XX/XX/XXXX, I followed up by calling USAA about closing my USAA membership # XXXX and bank accounts. USAA finally agreed to close my accounts. After my accounts were closed, they sent me XXXX bank checks ( XXXX check for over {$2000.00} and another check about {$1000.00} ) which I deposited into my XXXX XXXX checking account o/a XX/XX/XXXX. I XXXX have about {$4000.00} missing from my checking account with XXXX XXXX. 

A few months later, I noticed that the USAA checks were mysteriously missing from my checking account with XXXX XXXX. I quickly reported the matter to the XXXX XXXX XXXX in XXXX GA which they investigated. Prior to being missing, the checks were processed, cleared, and the money deposited into my checking account. In about 10 days, XXXX XXXX was able to locate the checks within its system and sent a copy of the checks to my email. Again after a few months, the USAA checks mysteriously disappeared again from both my checking and email account. They have not reappeared since then and the bank personnel are uninterested in helping me find those XXXX checks from USAA. Their responses are : we dont know where the checks are or We cant find them. 

In the meantime, USAA is sending me bank detailed information as if I have an unauthorized bank account with them. Im afraid to call USAA but Im concerned that my bank account with USAA has been illegally reopened by a fraudster with the missing money in it. This is a violation of trust and banking regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a contract with XXXX XXXX XXXX. It never stated I couldnt break the contract due to a permanent change of station. I lived in the home for XXXX years ( XXXX XXXX, but was forced to relocate by the XXXX to Texas. I informed XXXX and tried to cancel. I would stay on the phone for hours before being hung up on. I tried reaching out through text messages as well. Instead they kept charging me and said I owed {$700.00} which I couldnt afford at the time due to military movement. They recently reported it to the credit bureau affecting my credit score. I went from high XXXX to low XXXX when I have always paid everything on time. Please assist.

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 2023-08-05 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: AL

Complaint narrative:
Someone is stealing my identity and opening accounts in my name without my knowledge or authorization. I received a letter from XXXX XXXX stating that I applied for credit with them. I did not apply for credit with them. Someone did so without my knowledge and authorization. The letter states that I have account delinquencies, public record and/or collection accounts, that I have too many accounts ( I only have XXXX credit cards and XXXX auto loan ), that my delinquencies are recent, and that the proportion of balances on my credit limits are too high. 

I have never been late on any of my accounts, I have never been delinquent on any payments. I have no public record or judgments and I have never filed bankruptcy. I have no accounts in collection. I only have XXXX credit cards, and XXXX auto loan. I have no delinquencies so I have no recent delinquencies. I keep my credit card balances low. My credit report has numerous errors and unauthorized accounts. 

I suspect that familly, particularly my daughter and/or her new husband are involved in the identity theft.

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 2023-08-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Someone is stealing my identity and opening accounts in my name without my knowledge or authorization. I received a letter from XXXX XXXX stating that I applied for credit with them. I did not apply for credit with them. Someone did so without my knowledge and authorization. The letter states that I have account delinquencies, public record and/or collection accounts, that I have too many accounts ( I only have XXXX credit cards and XXXX auto loan ), that my delinquencies are recent, and that the proportion of balances on my credit limits are too high. 

I have never been late on any of my accounts, I have never been delinquent on any payments. I have no public record or judgments and I have never filed bankruptcy. I have no accounts in collection. I only have XXXX credit cards, and XXXX auto loan. I have no delinquencies so I have no recent delinquencies. I keep my credit card balances low. My credit report has numerous errors and unauthorized accounts. 

I suspect that familly, particularly my daughter and/or her new husband are involved in the identity theft.

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 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In the month of XX/XX/2023, I paid the full credit card balance ( previous balance listed on my statement ) prior to my due date and Bank of America still charged me interest on what they referred to as a " Residual Balance ''. When I phoned their customer service department to question this charge, I was told that I would essentially need to overpay my credit card account to avoid purchase finance changes, as they no longer have a grace period for purchases. However, my monthly billing statement states, " PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. '' I told the reps that this language is misleading and deceptive, and there's no way for a consumer to know that it's necessary to call-in to request a pay-off amount in order to pay-off their credit card account, which is what the reps told me -- I should have called in to request a payoff amount opposed to simply paying my previous balance. I have had this credit card for XXXX and when I opened this account, I'm certain a XXXX grace period was included in my T & C and I don't recall received any XXXX  that would state differently. The BOA reps suggested I review my initial disclosures.

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 2023-08-05 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: Nelson Cruz & Associates LLC
State: MO

Complaint narrative:
Contacted Nelson Cruz and Associates on XX/XX/23 ( on a recorded call ) and advised them never received anything about this debt in which I DO NOT owe. I asked if I could be provided the same letter dated showing proof they sent it to me. They refused to provided that. I also asked for more information in regards to the debt about the store and they could not provide me with that and I need that information to file a report. This company has been illegally trying to collect a debt from me and refused to investigate my claims. 

Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1b 2. Company has also No permission to report ANYTHING using my info pursuant to 15usc 1681.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation