vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
On Wednesday XX/XX/XXXX I reached out to the collection company explaining the amount is incorrect and I have email proof stating the correct amount of {$420.00}. The lady asked me to send her the email screenshots to her for proof. I have not heard back from the collection company. The manager, XXXX, from XXXX XXXX XXXX hung the phone up in my face when I told her I had the proof of the correct amount and to please help. Our XXXX XXXX XXXX rental lease ended the end of XX/XX/XXXX. We moved out the house before the end of XX/XX/XXXX. We were told we could but our keys in XXXX 's drop box and a house inspection would take place the first week of XXXX. The walk through house inspection happened on XX/XX/XXXX at XXXX and we received the email stating XXXX XXXX kept our {$1800.00} deposit and the remaining balance of {$420.00} was due to cover cleaning and bushes removal. 
It was been a very stressful journey trying the get the amount corrected. The collection company has not been helpful and the lady I spoke with was very rude and did not reach back to me regarding the correcting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX Due to the pandemic. During this time in my absence somebody gained access to my personal information. Someone made Unauthorized transactions using my USAA XXXX XXXX credit card. I did not have access to my USAA account in XXXX XXXX it does not work so there was no way I could make the transactions. I contacted the bank to inform them of this situation. USAA bank customer service department told me that they would investigate and notify me once they had their outcome of the investigation. As of XXXX, the XXXX XXXX I have not received any e-mail or regular mail regarding this situation the account remains negative. I sent in all my supporting documents and the police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I was sent to Merchants collection agency for a surgeon bill. I did not know I was sent to Merchants until I reached out to the surgeons billing department to ask them why I hadnt received a bill in some time. I was making payments to the surgeon, just not the amount they wanted. They notified me that I had been sent to Merchants. I continuously receive calls from Merchants and they do not state who they are or what they are calling for. I have not received any mail to validate that they are trying to collect a debt or what they are trying to collect, just phone calls with little to no information. I dont feel comfortably discussing anything with them over the phone until I receive some form of verification in the mail. Thank you for your help!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NATIONS LENDING CORPORATION
State: GA

Complaint narrative:
Yes I call XXXX XXXX at National lending corporation at XXXX out of XXXX Ohio, to do a home equity loan!! He Made a soft inquiry on my credit and said it wouldnt hit my credit. So after he called back and told me that the interest was to high for that type of loan he tried to get me to do a refinance and I told him I wasnt looking to do that becuase I had a great rate now. But I guess he took it into his own hands and still went own and mad a hard inquiries on my credit to go for a refinance, thinking I would go for it if I seen these papers. I made it clear I didnt want No refinance so why would I run a hard inquiry on my credit to lower it. So what I want is this off my credit is all I want. Thanks so much for yall time File # 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 2022-11-10 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: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-10 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-10 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
On XX/XX/XXXX I had someone access my online banking account through USAA, on four different occasions ( XX/XX/XXXX, XXXX ) they transferred money into my account in the amount of XXXX $ from a XXXX XXXX XXXX based out of XXXX, Iowa Routing XXXX Account XXXX USAA then credited the funds to my account while the transaction was pending, the person with access then transferred the funds out of My USAA accounts to an XXXX bank based out of XXXX, West Virginia XXXX XXXX Account XXXX The Funds that were pending then turned out to be declined so USAA took those funds they credited back from my accounts even though the money was no longer there I am now XXXX dollars in debt. 
I have spoke to USAA multiple times and they are saying that I am liable for this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a Bank of American credit card. Four fraudulent charges totaling {$440.00} were posted to my account. I immediately reported the issue to Bank of America. Bank of America denied this fraud claim without explanation and is refusing to reimburse me for these charges.

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 2022-11-10 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: NY

Complaint narrative:
I verified this account on XX/XX/22 with Trans union. My file number is XXXX. To remove this account from my credit report. This account is closed and old at this time 15 USC 1681i section 602 A states that I have the right to privacy 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURISH A CCOUNT 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 non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My husband and I modified our mortgage in XXXX. During that time, PHH mortgage ( service for XXXX XXXX ) was to waive {$93000.00} from mortgage. PHH Mortgage sent the IRS a 1099-c form indicating this amount had been waived and it was counted as additional income for the XXXX  year causing a huge tax bill for us. The document indicated it was waived XX/XX/XXXX and would not be relayed by us the borrower. XX/XX/XXXX we requested a payoff from PHH mortgage, the {$93000.00} was not included in the payoff. Currently PHH mortgage is showing {$93000.00} is due as a balloon payment. They have never processed the waiver for {$93000.00}. I have contacted PHH mortgage to rectify and employees advised they falsified the IRS document and the amount was never waived. We have suffered extensively, have been unable to refinance the mortgage because of this. We have a huge amount still paying the IRS. PHH Mortgage has been deceptive and has deceptive practices. I have a recording of a PHH Mortgage employee stating they were deceptive and falsely reported to the irs and the waiver never processed. They also have refused to provide a payoff at this time. The employee was advised that I was recording the call.

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 2022-11-10 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: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On XXXX XXXX an fraudulent charge of XXXX was taken out of my business bank account at First National Bank of Pennsylvania by an XXXX charge. I did not authorize this charge and the fraudulent charge was never questioned by my bank. This charge was way out of the ordinary for my account. The same thing happened to another business in XXXX and we have been working together to try to get our money back. We have contacted many agencies and recently were referred to XXXX XXXX 's office who in turn recommended that we file a complaint with your office. For the first 6 months we were told that we had 24 hours for our money to be returned but recently found out XXXX 's policy is 30 days. We were well within the 30 day period. We have exhausted many avenues and desperately need your help. If you have any further questions I will be happy to answer them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: CA

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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: MO

Complaint narrative:
In Accordance to the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: MO

Complaint narrative:
In Accordance to the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-10 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
THIS IS NOT A NEW CASE. THIS IS AMENDED ISSUES THAT I AM HAVING FROM CLAIM # XXXX. Wells Fargo has their employees calling my cell number leaving messages to contact them, which i do and no one extension is working. XXXX calls me from the XXXX office and left this number XXXX for an extension of XXXX, everytime I call that extension it says that it is unavailable. why would a bank give out extensions that is not working. The other employee 's name is XXXX from the sage team at the bank. It is The Resolution Department which he gave me the number XXXX with no extensionwhom I have left messages and never call back. hopefully he will call me today. Wells Fargo has their employees lying and stating that the issue did not happen until XXXX when they without my authorization nor my knowledge place money into my checking account when I specificially told XXXX in the executive office and XXXX XXXX at the XXXX branch in XXXX, Ga. that I have my money back and the only issue Wells Fargo has is to cancel those cash advance fees and to reimburse my non- suffient funds that was charge against me. Now Wells Fargo is punishing me for their own mistake. no, I am not going to make the payments on the credit card in which they are charging me for my own money with interest and their money with intererst on the credit card., The card is over charged and until it is correct and the front and back of their XXXX XXXX # XXXX and XXXX. I have been requesting the copies since XXXX XXXX, no one will give them to me, The employees I have spoken to today is XXXX, XXXX, XXXX who has to give it to XXXX. This XXXX is telling me to send him all the information all over again from XXXX of XXXX to now because he does not know whta happen and he is going to deny any claims. although this jerk had the nerve to tell me what he has read is true, Wells Fargo does nothing but lie. This bank has taken my money and placed it on the credit card as a charge on them. I will not pay this corrupt bank my money. all the money they have stolen from me and have not paid it back.

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 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TekCollect Inc.
State: TN

Complaint narrative:
Your debt validation is confusing, some text is unreadable and my name is also misspelled. You might be mistaking for someone else, My last name is XXXX not XXXX not shows that my name is XXXX and just who is that? I need more precise information so please send me something that specifically shows each and every piece of information requested on my debt validation request. If you can not provide me complete and clear information please remove it. That is not a validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: IL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-10 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: IL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation