vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
on XX/XX/2022, I was contacted by a person stating he was representing Bank of America fraud department. A call came through using the number XXXX the same number that is on the back of the Bank of America debt card. I was asked if I made a wire transfer in the amount of {$48000.00} to a XXXX XXXX XXXX. I was told I needed to transfer the money to another account. The scammer and taken over my computer and printer and printed out the instructions for me to follow transfer the money on XX/XX/XXXX approximately XXXX XXXX at a Bank of America office. On XX/XX/XXXX at XXXX XXXX. I went to the Bank of America in XXXX XXXX, Massachusetts and reported the scam to the XXXX manager. She contacted the Bank of America fraud division on the computer and telephone. I spent three hours with the XXXX manager. While she reported what happened

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 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Incorrect late payment reporting while attending school full time

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 2023-02-22 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: OH

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft. The following credit transactions below do not belong to me and should be deleted immediately. 

Addresses and Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX XXXX / XXXX XXXX  / opened XX/XX/XXXX updated XX/XX/XXXX XXXX XXXX XXXX/ XXXX / opened XX/XX/XXXX updated XX/XX/XXXX I.C. XXXX XXXX XXXX / XXXX / opened XX/XX/XXXX / updated XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX / opened XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX updated XX/XX/XXXX XXXX XXXX XXXX/ opened XX/XX/XXXX / updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX / updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX / updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / opened XX/XX/XXXX / updated 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 non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
SLS received our complete modification agreement on XXXX XXXX, 2023, but applied it to the wrong loan number. They then sent the loan to an attorney and added XXXX to the loan. After realizing the mistake, they rushed it through the application process and denied it within 10 days.

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 2023-02-22 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/XXXX an Account was opened w XXXX bank to purchase a massage chair at a local fair. After getting home and realizing the chair would not fit in my house the company was called and the order for the chair was cancelled and XXXX account was closed. This month I received a bill from XXXX for XXXX. I called them and spoke with their fraud dept. the guy I spoke with said he could see account was closed in XX/XX/ 2022 yet their was a purchase on the closed account in XX/XX/ 2022. This is not my purchase and this account should have been closed in 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 2023-02-22 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: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, While checking my most recent report that your company maintains under my social security number, I noticed credit inquiries that I did not authorize, made by the following companies Inquiries : XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my report that your company maintains under my social security number. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Your Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: ID Analytics, Inc.
State: FL

Complaint narrative:
Upset these companies are allowed to report fraudulent items on my report without my consent.. Its been months and months of me trying to get these items off with no success..Only 2 address should be on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or XXXX XXXX XXXX XXXX XXXX florida XXXX everything else is FRAUDULENT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frontline Asset Strategies, LLC
State: NC

Complaint narrative:
On or around XXXX I recieved a letter from frontline asset strategies , LLC attempting to collect an allleged debt they claim I owe XXXX in the amount of {$1200.00} when in fact XXXX owes me the credit balance of {$1200.00}. I am currently in arbitration with XXXX  with this account and I will attach the demand for arbitration form and Case number in the file attachment area below. Frontline asset also gave me until XX/XX/2023 to dispute the entire debt in which I did dispute and request validation by certified mail # XXXX and they received it on XX/XX/2023 at XXXX. Frontline asset strategies did not send proprer validation of the alleged debt nor did they stop collection efforts after receiving my written debt dispute and took adverse acton against me by furnishing the alleged debt/collections on my credit report. This is damaging my reputation and jeapordizing my financial relationships with other financial institutions. If this account/collection is not removed from my reports immediately I will consider either submitting a Joinder/Consolidaton Request Form for frontline asset strategies to join the ongoing arbitration case with XXXX on this account or file a separate arbitraton case against frontline asset stategies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: MS

Complaint narrative:
XXXX account # XXXX has violated my rights multiple times in 3 years including today. It is not for 1 reported accurately which is a violation of FCRA 15 USC 1681e ( b ) which states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also FCRA 1681s-2 ( a ) 5 which states In general a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This account is not supposed to continue to be reported as charge off any longer after the date is was consider a charge off and that is a violation This account is also in violation of FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) which states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. This account is a Charge off which the IRS defines a charge off as a gross or ordinary income. Income is NOT part of my credit report so its not suppose to be on here anyway. The original creditor written off this charge off on their taxes with a 1099C which they did not inform me nor send me a form which they were suppose to and that is a violation in itself. They have violated on so many occasions of my rights and I want this account to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX acct # XXXX balance XXXX XXXX XXXX acct # XXXX balance XXXX XXXXXXXX XXXX XXXX acct. # XXXX balance XXXX. These companies have illegally obtained these debts. 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. 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 a 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. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: OR

Complaint narrative:
In XXXX alone this year, they have tried calling me 8 times despite me having the number blocked and have called me at least 5 times per month since XXXX of 2022.

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 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: KY

Complaint narrative:
Opened a biz checking account XX/XX/23 with US Bank. Terms as promised were {$400.00} for {$3000.00} deposit. 

I called today to ask them about terms before I moved money only for them to tell me the promotion expired XX/XX/23. I signed up for the offer using links directly on USBank 's website. There was no mention of XX/XX/23 expiry on the page and I didn't get any warnings it was expired. I found the link again to offer via browser history and it's still live online with expiry saying XX/XX/23 ( XXXX XXXX XXXX ). A case of false advertising. I attached the disclosures one of their reps emailed me today about the offer that states it's expired. 

Currently, they have a BETTER offer for {$500.00} for {$3000.00} but refuse to recode my account opening to that one ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have offered them the option of HONORING the terms of their past offer ( which is still live ) or recode my account with the better offer that is also live.

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 2023-02-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter out XX/XX/XXXX to XXXX, transunion, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. 
This is not making any sense. 

Account : XXXX XXXX XXXX Date Open : XX/XX/2022 According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-02-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. 
This is not making any sense. 

Account : XXXX XXXX XXXX Date Open : XX/XX/2022 According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
Please see attachments

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 2023-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
My company credit card bill, originally from XXXX XXXX, has been sent to collections through Nationwide Credit , Inc and I have received the collections statement. I went on a company issued training trip to XXXX, XXXX and was informed to use the card for flight tickets, room and board, food and XXXX testing to reenter the United States and to fly. I also had to cover payments for another employee on the trip, who did not get card authorization prior to travel, so their card was declined. The company let me go and has now discontinued paying the credit card payments. 

I notified the original creditor multiple times that I was not responsible for the bill, and that the debt was not valid under my name, as it was a company card and issued trip in which I was asked to use the card. I was also required to assist the other employee financially on the trip. The original creditor continued to call, harass, and got very unprofessional with me, threatening me to pay the debt that was not mine. I let them know I did not agree with the debt and asked them to contact my employer for payment. I also attempted to contact my employer. However, they ignored all communication and still sent the account to collections under my name. 

The company required that I put my name on the account for the training trip, even though I did not desire to do so. No effort was made by either party to contact my employer and rectify the bill in that manner as their name is also on the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA

Complaint narrative:
I was not notified ( ever ) about a debt from a company that I have done business with. I have paid this company over 7 thousand dollars in the last 2 years for service, they ( XXXX XXXX XXXX ) never notified me of a debt that I owed from 2017 after I recently paid them for maintenance and repairs for a vessel. I recently noticed a debt for {$2000.00} plus on my credit report. I was never notified and I never received anything in the mail what so ever. This has severely impacted my ability to access credit or buy a home due to this false owed amount. This is illegal. This violates multiple consumer protection and federal trade commission rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have a forced escrow account with a Shellpoint Mortgage servicer. They take monies out to pay taxes & insurance, they decided to collect monies but not pay for the insurance. On XX/XX/2021 they failed to pay for the insurance ( even though they were withholding monies ) The policy was canceled ( I could have lost my home! ) I renewed the policy by paying it in full ( policy # XXXX ) I paid the policy in full for the entire year! I forwarded a copy of the policy to Shellpoint. They told me that they going to buy a policy for {$160.00} per month for a policy with much less coverage. I informed them that I have a fully paid policy. 
I have copies of the letter demanding for the servicer to pay the monies that they were withholding! They refused and made no payment at all. This action or lack of action forced XXXX XXXX XXXX to terminate the insurance. 
This is when I purchased a new policy and paid it in its entirety its amount is {$600.00}. They have been withholding money even though they know that there is an existing policy! 
I am demanding that they return all of the forced money that they are pocketing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation