vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 my phone was stolen by roommate which she used my phone to make an unauthorized XXXX  transfer of XXXX. My phone was then returned to me the next day XXXX XXXX, 2022. She claims she found my phone in her car. I later found out that she used my phone to do a XXXX transfer. I placed a claim with XXXX Bank of America. They denied the claim. I created a police report with my local police department. And sent faxed over the incident report. Today on XX/XX/2022 I received an email from Bank of America denying my claim once again. Ive already explained the situation to them and even faxed my incident report. My roommate knew personal information of myself that I trusted her with and she used it against me to steal from me. I just want my claim to be honored and receive my money 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 explanation
Consumer complaint received 2022-08-26 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: KS

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( d ) ( 2 ) ( b ) Exclusions, to request you remove this item immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported 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 non-monetary relief
Consumer complaint received 2022-08-26 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: TN

Complaint narrative:
Went to apply for a car and they needed to pull my credit report however due to this action there were many hard inquires.

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 2022-08-26 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: TN

Complaint narrative:
Went to apply for a car and they needed to pull my credit report however due to this action there were many hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TN

Complaint narrative:
Went to apply for a car and they needed to pull my credit report however due to this action there were many hard inquires.

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 2022-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: GA

Complaint narrative:
Applied to CARVANA to further extend my credit to purchase a used XXXX XXXX XXXX XXXX XX/XX/XXXX they are requesting a down payment of {$10000.00}, pursuant to 15 U.S. Code 1662 the down payment the company is requesting is not required unless the creditor agrees to that amount, which I disagree with putting down any amount. CARVANA is civilly, and Criminally Liable for willingly issuing violations/ Failing to disclose accurate information operating under TILA. The Finance charge is the sum of all charges, it does not include a type of payable cash transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I Had Identity Thief In XXXX By Criminals And In XXXX XXXX XXXX Took My SSN 4 Times Now Its a Dark Web. and opening accounts. 

And Never Receive Service. Been in A Dark Since XX/XX/XXXX I Contact XXXX And Fake XXXX Lied They Not Works For The Corp Office Fake I Have Him In The Feds Too XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I Contact Him So Many Times And Never Answer The Phone??. I Want Justices Have Him Removed Fake Corp Office Stealing My Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: NY

Complaint narrative:
Experian lists my XXXX home loan as a revolving account credit card. The loan converted five years ago to a mortgage loan with no line of credit. It is now a real estate mortgage of $ XXXX on a $ XXXX house. 
Instead of showing the financial world this $ XXXX untouched equity, Experian reports that I am using over 60 % of my available credit which negatively affects my credit score. 
I have filed a dispute with Experian three times. Experian did not move this account from Revolving Credit to Real Estate accounts. They posted my statement on my report ( which no one reads ) and continued the negative effect on my Credit Score ( which everyone reads ).

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 2022-08-26 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: NJ

Complaint narrative:
I am aware that consumer transactions regarding my credit card are governed by Title 15 of Commercial Code. I have expressed the discrimination and invasion of privacy that has been inflicted upon me. On advice from my counsel I am filing this complaint because I am being defrauded by Experian and they refuse to verify the information that they are reporting. This information is fraudulent and has not been verified. I am making them aware that they are in violation of 15 USC 1692B [ 2 ] - Stating a consumer owes debt 15 USC 1602 [ P ] and most importantly 15 USC 1681 [ B ]. I would like for the following accounts to be blocked from my consumer report within the 3 business days allowed by law. I have not supplied them with any written document with my signature allowing them to furnish any information on my behalf the original creditor. 

Furnish written consent authorization to furnish and sell my private information on my consumer report or remove inquires and accounts, XXXX inquiry date XXXX, XXXX XXXX XXXX date opened XXXX, XXXX date opened XXXX, XXXX date opened 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 2022-08-26 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: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
I have called the collection company and they will not talk to me because my name/address doesn't match their records. 

I also called the XXXX who was listed as the original creditor per my repot and they also confirmed I still have an active account with them and they have never reported me to collections. 
I called XXXX, XXXX and XXXX and found out that this collection company is the one who reported the address and the name to my credit report. 
I am now filling this complaint, how can this collection company file something on my credit report that is not me. It's not my name, not my address, it's not my bill. 
they wont even talk to me because the collection is not mine, but they are still reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
The homeowner was approved for assistance in the amount of {$26000.00} to cure the default through the Maryland Homeowners Assistance Fund while this loan was still held by XXXX XXXX XXXX. XXXX XXXX XXXX then sold the loan to Right Path Servicing, and they stated that they have not received proof that this money was received or that there was a payment made by the state of Maryland to cure the default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have deposited a third party check to my Capital one 360 bank Account and it was correctly endorsed on the back of the check by the third party and signed to my name as thats the legal requirements. After submitting the check, I received an email stating that the check is being reviewed and once is accepted by the bank I can destroy the check. Few hours later, I have received a email stating that the check is reviewed and accepted by Capital one and I can go ahead and destroy the check and also stated the place a hold on the check for 5 days to make sure the funds will be cleared. After a couple days, the have restricted account and when I reached out, they requested that they need to verify by the third party and I have provided them qith their phone number but they said they are not able to verify the phone number belongs to them and I told them there is nothing else I can do and if they can just close the account and transferred my funds to an external account and they refused to do that as well. I am not sure under what laws they can simply steal people 's money so easily when people need their hard working money and they simply can do whatever they want with people 's money only because of their own mistake and lack of ability to properly proccess check deposits and make the customer responsible for that. They have accepted the check the first place after reviewing it and notify me that I can go ahead and destroy the check. Even in the email they have sent which I attached to this complaint in regards to the hold on the check, they are stating " After thoroughly reviewing the deposit ( s ) and your account, we've determined there's a risk that the deposit will return. To protect you, we've delayed the availability of all or part of {$2500.00} until XX/XX/2022. You don't need to take any action. '' If there was anything wrong with the check or they required any verification, they supposed to state it right here after " throughly reviewing the check, not after depositing it and letting me me know to destroy the check and assure me after a few days I will receive the funds and no action is required, then after a few days place a restriction on the account, when I dont even have the check anymore and not being able to deposit it elsewhere because capital one already proccessed the check and got the funds and simply refuses to give me my money when I need the funds urgently and it affecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: TN

Complaint narrative:
Im not sure on the date the loan was processed but I did get a loan with Republic Finance and the total pay back was XXXX.Im not even sure how I qualified and the lady that closed my loan never asked me about collateral, never tried to update anything, except a paystub. The lady then told me upon signing my paperwork ( and I'm not sure why she would make this remark ) but that they dont take single mothers to court for non payment. After losing my job they of course started to contact my references and told my mother they were going to take action against me. Ive worked in collections and I know that is something you never tell anyone. I know there is no way I qualified for that loan with the income to debt ratio I had and was told they made the loan to meet quota.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo and its 3rd party service provider, XXXX, have asked me more than 5+ times to provide proof of homeowners insurance on a recently purchased home, going so far as to threaten me with force-placed insurance, which will cost me more and insure me less than the insurance I already have. Despite proving to them on multiple occasions that my apartment is fully insured, they keep asking me for more information. 

I have sent them my past insurance policy info, my current and future policy info, they've even asked for my apartment building 's insurance info. I had to ask my landlord for THEIR insurance policy, all of which I've chased down and handed to Wells Fargo. 

And yet I keep getting threatening letters from Wells Fargo telling me I haven't provided my coverage info, despite the fact that my policy clearly states what dates my home is insured and lists Wells Fargo as an additional insured interest. 

Even before any of this happened, I emailed Wells Fargo back in XXXX 2021 telling them I was changing insurance carriers. Then when they started contacting me in XXXX, I've gone to their website to upload the information, I've sent them emails with my info ( with policy info attached ), I've called their service line, I've even emailed my original mortgage banker to get help. But for whatever reason none of this seems to work and it has been months dealing with this issue. 

Wells Fargo needs to get its mortgage operations in order and find a better way to update and keep current its information so it can stop sending me a deluge of requests. For your convenience, I have attached all my prior written correspondence - you will find at least eight ( 8! ) acknowledgements from Wells Fargo that they have received information from me via their online portal, as well as 3 emails I have sent to them with detailed info enclosed.

As you will see, I already gave them everything they wanted in my first email to them, and yet they keep coming back asking me for repetitive, duplicative requests that clearly reflect a breakdown in their own systems and processes. 

And once again, I am also enclosing proof that I am insured for the period of time they asked for, as well as for the year to come. Please make it stop.

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 2022-08-26 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: Chime Financial Inc
State: MI

Complaint narrative:
Chime aka XXXX XXXX within 12 hours made the determination based on " internal factors '' that my purchases were authorized. 

Chime did not initiate a chargeback on my behalf and simply denied my dispute. 

These were manually keyed transactions and I indicated that several people at the store had access to my card ( this would be probable cause with any other bank. 

Regulation E requires banks to take into account assertions made by customers when looking to assess liability. 

Chime stopped all contact with me since I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: DE

Complaint narrative:
The XXXX BankReliaCard was closed on XX/XX/XXXX. I never used this card because I did not request it. When I completed my initial unemployment application, I requested direct deposit. 5 weeks of unemployment insurance money totaling {$1800.00} was sent to this card. I have been calling US BankReliacard at XXXX, since XX/XX/XXXX, to return the money to Delaware State Department of Labor so they can direct deposit the money into my checking account. I have been getting the run around by both companies and today XX/XX/XXXX, when I called two managers ( XXXX XXXX XXXX ) hung up on me. It has been more than 90 days. I need this resolved immediately. The Department of Labor when I went to their office after emailing them for months & no response to my emails only confirmed the amounts and when the money was sent each week to the card. I am frustrated that no one is doing their job.

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 2022-08-26 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: NY

Complaint narrative:
I have sent in multiple letters with my FTC identity theft report and Experian and XXXX have removed all the accounts I reported as identity theft but one account. XXXX XXXX is still reporting on my credit report. pursuant to 15 USC 1681c-2 : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt by such agency of, '' Experian and XXXX have not giving proof of this account and they tell me the count is verified but they were not there when this transaction took place so I dont know how they are coming to this conclusion. I was under the impression that after I sent in the identity theft report all truths would be revealed but here I am again making a complaint about a two companies violating the law and I have to make complaints over and over with no remedy and no proof what so ever. How are these companies allowed to break the law with no consequence. I sent in my identity theft report. So why is XXXX XXXX still reporting on my credit 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 2022-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXXXXXX  Account my rights have been violated 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: NJ

Complaint narrative:
I am aware that consumer transactions regarding my credit card are governed by Title 15 of Commercial Code. I have expressed the discrimination and invasion of privacy that has been inflicted upon me. On advice from my counsel I am filing this complaint because I am being defrauded by Equifax and they refuse to verify the information that they are reporting. This information is fraudulent and has not been verified. I am making them aware that they are in violation of 15 USC 1692B [ 2 ] - Stating a consumer owes debt 15 USC 1602 [ P ] and most importantly 15 USC 1681 [ B ]. I would like for the following accounts to be blocked from my consumer report within the 3 business days allowed by law. I have not supplied them with any written document with my signature allowing them to furnish any information on my behalf the original creditor. 

Furnish written consent authorization to furnish and sell my private information on my consumer report or remove accounts and inquiries, XXXX XXXX XXXX XXXXXXXX inquiry date XXXX, XXXX XXXX XXXX XXXXXXXX inquiry date XXXX, XXXX XXXXXXXX XXXX date opened XXXX, XXXXXXXX XXXX XXXX  date opened XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Synchrony Bank Charged off my Account XX/XX/XXXX with an Incorrect Balance {$11000.00}. due to their Error. 
The Error was made in XX/XX/XXXX while my Dispute was open, but never corrected. 
In a letter from Synchrony Bank dated XX/XX/XXXX they stated that they identified their error, and that I would receive a Refund or Credit including the Disputed amount. 
Later, in a follow up letter dated XX/XX/XXXX from Synchrony Bank, XXXX XXXX, Sr Specialist, Corporate Relations she states the credit was applied to my closed Lowes Credit Card Account, and that amount did not include the Disputed Purchase Amount. 
I have tried contacting her at the number and extension on that letter, but she has not answered or returned any of my phone calls.

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