vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
In XXXX, the state of Georgia paid the past due balance of my mortgage payments requested by my lender, Specialized Loan Services, in order to bring my account current. The money was paid through a state funded program called the Georgia Mortgage Home Assistance Program. In addition, to the program bringing me current, they also paid my mortgage up for an additional 3 months.This check that was issued and received by my Lender, for my behalf. The additional money allotted by the program pays my mortgage up through XXXX. This is done by the program in order to help home owners stay current so that they are less likely to default in the future. The Program notified me about the additional funds they were giving me and told me to make sure the Lender does not misappropriate the funds. Well that is exactly what Specialized Loan Servicing did, they misappropriated the extra funds. I call it outright stealing. My Lender was very aware that the additional funds were to be applied to my future payments for the next 3 months. My Lender had already received the amount they requested in order to satisfy my past due owed. Therefore this was no error. I called Specialized Loan Services in XXXX  and asked them to properly apply the extra funding that was given to me. They told me they were applying it to my future payments at that moment. As of today, my funding has not be applied to my future payments. Specialized Loan Services has stolen my funds and they are now attempting to default me illegally.

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing this complaint to dispute several fraudulent hard inquiries made by TransUnion on my credit report. These inquiries were made without my authorization or knowledge, and have negatively impacted my credit score. 

I have checked my credit report and noticed that there are several hard inquiries made by TransUnion that I did not initiate. 

The details of inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX I understand that hard inquiries can negatively impact my credit score, and these unauthorized inquiries have done just that. I believe that these fraudulent inquiries were made with malicious intent and were not made by any legitimate creditor or lender.

I request that the unauthorized hard inquiries made by TransUnion be immediately removed from my credit report. I also request that TransUnion conduct an investigation into how these fraudulent inquiries were made, and take appropriate actions to prevent this from happening in the future. 

I would appreciate it if you could take the necessary steps to rectify this situation and protect my credit score.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
Hi! 
We are affected by COVID19. 
SO our business closed permanently. 
Started financial hardship on XX/XX/XXXX. 
We have a 10 months behind payment now. 
We denied any kinds of loss mitigation options. 
Finally. 
My husband got the job recently. 
So We sent 1st appeared letter. 
But they told me they didn't received By email on XX/XX/XXXX one. 

So I sent 2nd appeared letter by Email XX/XX/XXXX. 
I called mortgage company again. 
I called every week. 

That company agent told me that wait until XX/XX/XXXX. 

Underreviewing status. 

So we were waited. 
I called mortgage company on XX/XX/XXXX. 
Agent told me our account transfer to Attony.

Start to legal action.

Intend to foreclosure step. 
Mortgage company sent us Foreclosure documents. 

They didn't gave us last warning! 
So I called Attorney compliance department. 
They received my case on XX/XX/XXXX. 

How can I do? 
Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: Credit Karma, LLC
State: NV

Complaint narrative:
I XXXX XXXX have reached out to XXXX & XXXX XXXX XXXX XXXX numerous of times about a Payment that's stating I have Debt Owed which is Currently in Collections and Negatively affecting my Credit score.

Therfore With No Response from XXXX, I did Recieve both a Letter and Email from the ( CRA ) XXXX XXXX XXXX stating they don't have No Acknowledgement of knowing Who I am. 

In which Laws have been Violated when it comes to the Collections Practice upon the Privacy of my Credit Profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is XXXX XXXX XXXX, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo incorrectly charged fees to my account 2011

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 2023-03-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing this complaint to dispute several fraudulent hard inquiries made by TransUnion on my credit report. These inquiries were made without my authorization or knowledge, and have negatively impacted my credit score. 

I have checked my credit report and noticed that there are several hard inquiries made by TransUnion that I did not initiate. 

The details of inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I understand that hard inquiries can negatively impact my credit score, and these unauthorized inquiries have done just that. I believe that these fraudulent inquiries were made with malicious intent and were not made by any legitimate creditor or lender. 

I request that the unauthorized hard inquiries made by TransUnion be immediately removed from my credit report. I also request that TransUnion conduct an investigation into how these fraudulent inquiries were made, and take appropriate actions to prevent this from happening in the future. 

I would appreciate it if you could take the necessary steps to rectify this situation and protect my credit score. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I disputed fraudulent information appearing on my credit reports multiple times with XXXX and they sent me letters stating they will not investigate. 

The fraudulent information is : XXXX {$2800.00} and XXXX XXXX XXXX  {$6000.00} I disputed fraudulent information appearing on my credit reports multiple times with Transunion and they sent me letters stating they will not investigate. 

I have included a copy of my identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-03-27 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: SC

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Aldous & Associates have intentionally attempted to harrass me. The company has called multiple times and when I answer there is a prerecorded message demanding that I call to make a payment. I have advised several representatives to stop calling. Every time I block XXXX number they start calling from another number. This company has called me during my work hours. They have called me while I am in bed going to sleep. They have made this matter a complete nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: U.S. BANCORP
State: LA

Complaint narrative:
Credit card open up in my name on XX/XX/XXXX of XXXX. Chargers were made of {$2700.00} Had a credit limit of {$17000.00} Card open with US Bank Had address listed on their report where Ive never been this is not my address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Massachusetts XXXX No one has contacted me for US Bank identity theft and fraud to resolve this issue

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
REMOVE ACCOUNTS DUE TO AGGRAVTED IDENITY THEFT. THESE ACCOUTNS DO NOT BELONG TO ME. I'M A NATURAL HUMAN BEING DO NOT CLOSED THIS STATING IT IS NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I opened a citizens access account at XXXX. 

I funded the account with {$3500.00}. 

On XX/XX/XXXX, I decided that I would withdraw {$100.00}. On XX/XX/XXXX, I decided to move all money {$3400.00} from Citizens Access because the website doesn't work well and I'd rather use a different bank. 

These funds were sent back to me on XX/XX/XXXX. 

On XX/XX/XXXX, Citizens access decide to reverse both ACH tranactions and took {$100.00} back to the original account. 

The XXXX had already been moved to another account and was not able to be reversed. 

I did NOT ask to reverse this transaction. 

Today, on XX/XX/XXXX, I went on to the online access for my citizens access bank account and it shows that it is overdrafted by XXXX. 

Today I also called and spoke to customer service. After verifying I am told that " the bank is no longer doing business with me and has nothing else to say '' The bank owes me {$100.00} and I need the XXXX overdraft balance corrected and the bank account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please remove unauthorized account as it is related to identity theft. This is against all my consumer rights.

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 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
A few years ago when I had a Wells Fargo checking account money kept disappearing unexpectedly when I would look over my statement I would see unauthorized charges I called each and every time those charges showed up and told customer service I didn't make the charge I didn't authorize it but it was made and led to multiple overdraft fees having to be paid even though I wasn't causing the overdraft it got so bad I finally just gave up and told them to keep whatever was left in my account and I quit Wells Fargo

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 2023-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: American Financial Network Inc.
State: FL

Complaint narrative:
I'm being approved for the Homeowner Assistance funds for 17 futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. My last call with XXXX they told me that was a delay in posting the checks and they were working closely with HAF to make the process quickly. It's not fair that they received the payment on time and they still reporting to the Credit reporting agencies. As of today, no XXXX, XXXX and XXXX payments are posted in my account. They stated that they have to ensure approval of the program. I send them the letter of approval back in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Complaint was filed with CFPB ( XXXX ) for a purchase that was not being refunded. Paypal and the vendor apparently acted on the same day and the charges were removed by both. Paypal then removed the additional refund, a response was sent back and my complaint was closed, I was satisfied because i made whole. Today i noticed that on XX/XX/23 Paypal Credit again added the same charge onto my Paypal account. I have not made any purchases for this amount. A chronological list of the transactions are below. 
XX/XX/23 XXXX {$410.00} XX/XX/23 Adjustment purchase $ XXXX XX/XX/23 XXXX XXXX $ XXXX XX/XX/23 XXXX Purchase {$410.00} XX/XX/23 XXXX Purchase {$410.00} This leaves me with the same {$410.00} charge despite not having received any products.

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 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Was charged multiple overdraft fees for XXXX transaction, Wells Fargo would not re em nurse and would only give a tiny amount back ( {$3.00} I believe ). This happened XXXX separate times over the last XXXX  years.

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 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I used to bank with Wells Fargo and I always had over draft fees, I would get paid and within XXXX  days my account was in negative and I would keep track of my spending and I always had enough for my bills, I even made sure my account didnt have over draft fee activated. It happened every XXXX weeks when I would get paid. I was always getting charged fees. I called and went in person several times to the local Wells Fargo in town and they would tell well you need to keep track of your spending or get a job that pays more

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 2023-03-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX checking my credit report I noticed that their are multiple accounts I dont recognize And multiple accounts listed for {$63.00} that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: ME

Complaint narrative:
I have {$600.00} worth of Vanilla Visa cards that I have been unable to use. Every time I attempt to use the card online, making sure that the balance of the purchase is lower than the balance of the card, the card gets declined. I have attempted to call Vanilla customer service at XXXX, but I end up on hold and no customer service reps ever answer.

Company response to consumer: Closed with explanation