vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I paid a collection of {$1200.00} to XXXX XXXX apartment complex in XX/XX/XXXX. I summited a consumer disputed with the XXXX and XXXX with prove of the payment to the apartment complex. the company PROCOLLECT , INC told the credit bureaus that the information was accurate. on XX/XX/XXXX at XXXX XXXX  PST I called PROCOLLECT , INC at the following phone XXXX, I spoke with the representative and ask him in regards the collection account to which he told me the information that shows in my credit report, then I proceeded to ask him when was the last update that they got in regards to the debt, and he told me that they got the account back in XXXX. I proceeded to tell him that I paid the apartment complex to debt in full and that how is it possible that my account is still reporting with all the amount owed still. the representative told me that he saw the dispute I submitted in XX/XX/XXXX, and that I still owed the debt. he also told me that it didn't matter if I pay the complex the account was theirs and I still owed the debt. he also told me that their is no point on me explaining anything that I still owed the debt. I try to explain to him that I pay the apartment complex directly and that I have the prove of payment, but he still insisted that it does not matter I didn't pay his company. then i proceeded to thank him and disconnect the call. 


PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I tried to buy a house n notice I had damages on my report shouldnt be any damages on my account destination to my character

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 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received a refund deposit from my college XXXX  via there payment system XXXX. I went into bank to withdraw funds for big purchase so my card would not lock. The teller withdrew funds from account than was told by someone speaking a foreign language to put it back. Now account has been locked and have no answer from XXXX XXXX ywt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

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 and 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 2024-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I'm in an active bankruptcy. I called my bank to inform them that I added my business as well. I also gave them my bankruptcy number on file. When I called for update they had removed my bankruptcy stating I was not listed on my business. While speaking with Collection department XXXX XXXX I was told it would be added back. My bankruptcy is under XXXX XXXX and I also list my married name XXXX XXXX under names used.

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 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I have no signed contracts with a Collection Agency called SOURCE RECEIVABLES MANAGEMENT, and I do not have any contracts with Original Creditor Name XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America in XXXXXXXX XXXX  is refusing to transfer a XXXX debt to my XXXX  bank account. I have cleared all of the fees. Now they are asking me to pay them {$1200.00} because I had some past overdrafts. Therefore they will not transfer the funds. They had promised me on XXXX occasions the money would be deposited before the weekend. I am still waiting and they keep finding excuses about releasing the honest funds.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian removed negative information from my credit in XXXX, XXXX XXXX XXXX was removed and put back on my credit in on XX/XX/XXXX causing my FICO score to drop a XXXX points, I would like to know how this information was verified and by who an each individual involved in the process. While the investigation is on going my credit report in reporting negative information since XX/XX/XXXX please remove 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 explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear XXXX Dispute Resolution Team, I am writing to dispute the collection account associated with my credit report, as reported by XXXX XXXX XXXX, regarding an alleged debt to XXXX XXXX XXXX. The account details are as follows : Account Owner : Individual Account Date Reported : XX/XX/XXXX Account Status : Unpaid Original Amount Owed : {$1100.00} Original Creditor : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Agency : XXXX XXXX XXXX Delinquency Date : [ Not Provided ] Balance Owed : {$1100.00} Comments : Consumer Disputes This Account Information Balance Date : XX/XX/XXXX Date of First Delinquency : [ Not Provided ] Agency Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX I dispute this account on the grounds that it is not mine, and it appears to be the result of fraudulent activity. Upon reviewing the information provided by the reporting agency, there is no evidence of my social security number associated with the contract, nor is there a wet signature that matches mine. This leads me to believe that my personal information has been used fraudulently to open this account.

I request a thorough investigation into this matter to verify the authenticity of the debt and to ensure the removal of this inaccurate information from my credit report. I am prepared to provide any necessary documentation or evidence to support my claim.

Please treat this matter with the utmost urgency, as it has serious implications for my financial well-being. I look forward to receiving confirmation of the dispute and resolution within the designated timeframe.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear XXXX Dispute Resolution Team, I am writing to dispute the collection account associated with my credit report, as reported by XXXX XXXX XXXX, regarding an alleged debt to XXXX XXXX XXXX  The account details are as follows : Account Owner : Individual Account Date Reported : XX/XX/XXXX Account Status : Unpaid Original Amount Owed : {$1100.00} Original Creditor : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Agency : XXXX  XXXX XXXX Delinquency Date : [ Not Provided ] Balance Owed : {$1100.00} Comments : Consumer Disputes This Account Information Balance Date : XX/XX/XXXX Date of First Delinquency : [ Not Provided ] Agency Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX I dispute this account on the grounds that it is not mine, and it appears to be the result of fraudulent activity. Upon reviewing the information provided by the reporting agency, there is no evidence of my social security number associated with the contract, nor is there a wet signature that matches mine. This leads me to believe that my personal information has been used fraudulently to open this account.

I request a thorough investigation into this matter to verify the authenticity of the debt and to ensure the removal of this inaccurate information from my credit report. I am prepared to provide any necessary documentation or evidence to support my claim.

Please treat this matter with the utmost urgency, as it has serious implications for my financial well-being. I look forward to receiving confirmation of the dispute and resolution within the designated timeframe.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/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 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I deposited a check to my wells fargo business account. I was notified that the check needed to clear and it would be held for a certain period of time but no later then XX/XX/2024. On XX/XX/XXXX i received notification that some not all funds were available for use, however upon checking, none of the funds were released yet. Finally on XX/XX/XXXX the funds were released and i was able to access the funds. I moved XXXX via XXXX and afterwards wells fargo would not let me move anymore money through XXXX as they claimed I maxed out the amount i could move. 
On XX/XX/XXXX, i received a notification that the account was closed as of the XXXX and the funds would be mailed to me if any were left behind. The email stated i needed to contact the loss department. 
I contacted the loss department and they claimed that they believed the check to be fraudulent and had closed my account and any funds would be returned to me via cashiers check within XXXX business days. 
After XXXX days of nothing i contacted wells fargo in which I was informed that the check was sent back to the issuer because it was marked as fraudulent. 
I contacted the issuer who informed me that no such rhjng had happened and on the contrary, the check had been cashed and the amount posted ( the date i received that confirmation was XX/XX/XXXX ). 
I reached out to wells fargo loss department who finally told me the check was believed to be fraudulent by wells fargo and they had kept the money on hold instead but had lied to me when i had asked about it at first. I asked the representative to repeat what she had said to record it at which point she hung up on me despite the conversation being recorded by wells fargo. 
I contacted wells fargo again and was told that the issuer bank had to call the wells fargo loss department and file a claim. The issuing bank attempted to call but wells fargo has given them the run around. Wells fargo has kept over {$1100.00} that we needed.

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 2024-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
Mortgage Company : AmeriHome XXXX XXXX At the beginning of XXXX, I called my mortgage company to get my ex-wife 's name off of my mortgage because we are going through a divorce and she does not want to keep the house. 

The man I talked to ( XXXX XXXX ) decided that I needed to re-finance the loan. So we went through this terribly long process to re-finance the mortgage to be just under MY name... This is a loan I am ALREADY paying {$930.00} per month, with no issue, and a track record of paying on time for nearly a full year. 

What doesn't make sense to me, is, even though I pay the mortgage without my ex-wife 's support, apparently my income is insufficient... But the re-financed mortgage would have been about {$630.00} a month as opposed to the CURRENT loan that I have for {$930.00} a month. 

This started with me ONLY asking to get my ex-wife 's name OFF of the mortgage and to get a quick-claim. XXXX  months later, the re-financing has been denied and I am back at square one, and NOBODY is returning ANY emails or phone calls to me.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EMCC Holdings, LLC
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-03-09 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Acct # 280930 has violated my rights. 15 U.S.C. 1681 section 602 A. States. I have the right to privacy. 15 U.S.C. section 604 A section 2. It's also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information. And other adverse item of information, other records of crimes which antedades the reports by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Over the pas XXXX years I have discovered that on every occasion where I applied for credit that there was more than XXXX hard hit on all of my credit reports. I believe in the national scoring system, but its the national banks that abuse the inquiry process. There should never be more than XXXX hard hit per application. Therefore, I must submit my complaint through the Consumer Financial Protection Bureau. This attached complaint makes a request not only for the original inquiry, but but all inquiries collectively as a basis of fairness. There should only be XXXX hard hit inquiry per application. DELETE THESE INQUIRIES!!!

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose 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 instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account.

The following inquiries were not authorized by me and I request removal : 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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I sent all XXXX credit bureaus dispute letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and as of today no one has provide me what I requested. Their actions violates 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy. I wish that the disputed items not be listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$25000.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$25000.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief