vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: SD

Complaint narrative:
Several accounts were opened and used to transfer money under my name. I discovered the accounts were opened, after receiving a series of emails FROM USBANK regarding a checking account I hadnt opened and wasnt depositing money into. I was also getting emails from XXXX and XXXX XXXX  about money accounts and transfers. I followed the email links to the accounts that I couldn't gain access too with my own personal information and has never setup myself. I noticed that even though my email address wasnt spelt correctly on the emails but somehow, they were still being delivered to my email. So, I used that email to address isnt correct, but is wrong so I tried using that one to that email to try and access the accounts. Of the 3 XXXX XXXX was the I not only one hat reset the password for with an email verification. Upon gaining access I was able to see the accounts virtual card. Which has been the card used in a XXXX Instant Transfer. XXXX has begun Processing the account as fraud and has removed my name. XXXX and USBANK have taken no action.

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 2021-08-09 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: TX

Complaint narrative:
TRANSUNION IS INACUARATETLY REPORTING FRAUD ON MY CREDIT REPORT. I SUBMITTED MY FTC AFFIVDAVIT OT THIS COMPANY VIA CERTIFIED MAIL OVER A MOTH AGO. Transunion signed for it, and received my ftc affidavit and refuse to removed the unauthorized fraudulent accounts on my 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 explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/21 while reviewing my credit report I noticed a significant drop in my score. One bureau was reduced by 80 points while the other was over 100 points. Shellpoint Mortgage had reported me over 30 days late ; however, I have a modification agreement in place which starts XX/XX/21. We were told that it would not negatively impact us but that is not the case. The more concerning part is that when my records are corrected the credit bureaus will NOT be increased by equal numbers it was decreased by. It's unfortunate that we are affected in this manner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Please refer to the original complaint ID, XXXX-XXXX, that was arbitrarily closed without any concern to me as a consumer. Help me understand, what is the CFPB 's role? What exactly does " consumer '' " financial '' and " protection '' mean in your title? No one from CFPB has reached out to me to gain a better understanding of my complaint prior to closing my case. I am really confused as to your agency 's role. I am looking to escalate this further within the CFPB.

I was not properly informed by Quicken Loans regarding my refinance options under Texas law. The Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP ) come to mind here. My refinance was : Unfair - My financial injury was not reasonably avoidable as I could have made a better choice, but their practice of not providing adequate information about Texas refinancing options hindered my ability to make an informed decision. 

Deceptive - The representation and omission were deceptive because Quicken Loans did not disclose my options under Texas law regarding my refinance options. Their employees are unfamiliar with Texas mortgage laws, and Quicken Loans does not even offer one of those options afforded to Texas homeowners. 

Abusive - Quicken Loans ' practices interfered with my ability as a consumer to understand the financial product that was solicited to me for failure to disclose all mortgage refinance options allowed under Texas law, one of which they do not offer at all. 

I was taken advantage of due to a lack of understanding of the material risks, costs, and conditions of the product offered. My ability to adequately protect my interests in selecting a better product not offered by Quicken Loans. My reasonable reliance on Quicken Loans to fully informed me as a consumer and Texas homeowner of all options availed under Texas law failed. 

Please reconsider opening my case and working with me, the taxpaying consumer who has been treated and dealt with in an unfair, deceptive, and abusive manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2021-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Foreclosure by Bank of America 2015. XXXX XXXX XXXX XXXX,. XXXX FL XXXX. 
XXXX XXXX XXXX They have failed to send a 1099-C to notify me. Since they didn't send me a 1099-C they have violated my rights because this charge off equates to a tax credit because they have charged it off means that they canceled this means that I love them I'm liable for the amount that has been canceled. They have not reflected the new balance they just weighed part of the fees they discounted the amount I owe by canceling that amount and agreeing to reduce the debt well if they have agreed to reduce the that it's not being reflected on my account I've asked them for a full comprehensive verification of account and they have not providing me with verification on the third collections practices at in the Fair Debt credit reporting at they are violating my rights and I want this taken care of.

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 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I opened a chime account and the following month i had my XXXX ssdi check auto deposited to it. Then 6 days later I went to pay my bills and a pop up screen informed me the account was closed. Chime refuses to speak with me on the phone as well as through social media. In fact they blocked me. They sent me a check about 30 days later for XXXX  something i believe it was but it was not the correct amount and they did not enclose any type of explanation with the funds. When i was emailing them at first they said they closed my account and do not have to tell me why ( pretty crooked tradeoff just to get a back door into the finances of American citizens so way to go U.S. government ) the only thing that even makes sense to possibly be a reason I had their rep on the phone walking me through what all to try so that's dead wrong but moving on ... Then after I received that check I had XXXX  to XXXX in returns that were sent to that card. The returns happened after I received the check and they were from XXXX, XXXX, and XXXX  ( these are the ones I recall but that isnt all of them ). Not to mention i informed them i needed to dispute a couple charges that were on there to begin with. So im owed a good bit of money and they've stopped responding and or blocked me. If they do respond all they say is they're passing my case to a supervisor and no one fixes this or responds back again. This happens over and over and over. I want my money and a balance explanation with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
By the poor service received from this bank, today XX/XX/2021 I sended a order letter to close the account immediately, the bank dont want to close my account. Here I attach letter sended by email and fax to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I reached out to Caprio XXXX  in reference to this medical debt that another collection company tried to report on my credit. I expressed to them that this was not my debt and if it was they have violated HIPPA because they never sent me a bill with my signature on it.

They have removed the {$150.00} charge from my XXXX on XXXX but still have the other charge of {$830.00} on my XXXX  and XXXX. 
The {$150.00} charge is also on my XXXX. 

I asked them to remove it or send me proof that it belongs to me and that I gave written permission fir them to contact me. 
They have violated my rights as a consumer and therefore Im asking all collections be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My bank of america savings account was compromised of about {$48000.00} the bank was contacted with some online transactions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, a representative from XXXX XXXX XXXX XXXX XXXX ( hereafter, " XXXX XXXX '' ) offered to reduce my student loan monthly payments to {$360.00} per month. My monthly payments were substantially higher, so I accepted their offer. I continued making payments to the company from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX, I received an email from XXXX XXXX that the company had accepted my cancellation request for their services using their ID number. 

Unbeknownst to me, the company had contacted the US Department of Education and changed my address from XXXX, PA to XXXX XXXX, CA. Furthermore, the company submitted paperwork indicating that my monthly income was {$0.00}. At the time, I was employed as a full time high school teacher. As a result of the changed income, the US Department of Education granted me a forebearance of my student loan debt ; meanwhile, I was paying the company {$360.00} per month. [ My credit report still indicates XXXX XXXX XXXX, XXXX XXXX, CA XXXX as a previous address. At no time in my life have I ever lived in California. ] As a result of the company 's phony paperwork with the Department of Education, my loans eventually came out of forebearance and defaulted. I contacted the US Department of Education, and I recall filing a complaint with them, but never heard anything further apart from receiving notices to pay my student debt. Ultimately, I contacted XXXX XXXX XXXX, who reduced my monthly payments to {$50.00} per month which was reported and paid to the US Department of Education. 

I am a XXXX XXXX  with a XXXX XXXX XXXX from XXXX XXXX. In XXXX, XXXX, I filed a claim with the Social Security Administration for XXXX, which was ultimately granted at an administrative law hearing in XXXX, PA in XX/XX/XXXX. I contacted the US Department of Education and was granted a full discharge of my student loans, with a three year post discharge monitoring period. Incidentally, my wife has XXXX XXXX XXXX along with a XXXX XXXX XXXX. She has also filed a claim for XXXX and hopes to have her loans discharged soon after she wins her hearing at the end of XXXX. 

Upon seeing Attorney General XXXX 's news report about taking on another phony student loan company, I decided that I should seek redress and potential relief from their deceptive practices.This complaint in its entirety was filed with the Pennsylvania Attorney General 's Office, who handed it over to the PA Bureau of Consumer Protection, from whom I received a response on XX/XX/XXXX by Agent XXXX XXXX. My account number with them is 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 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/21 I sent out letters to the credit Bureaus asking for verification for the account number XXXX with Midland Funding LLC on my credit report that they assumed was mine and they replied back with with a generic letter saying it was verified. On XX/XX/21 I sent out a second round of letters asking for validation and I clarified what I needed within the 30 days, still they only responded, with a generic automated letter saying the debt was verified. They did not respond with the items I asked for under 15 USC 1692g. I then proceeded to send a validation letter to Midland Funding on XX/XX/21 directly asking for validation directly, and all they sent me was a bill that I never created. On XX/XX/21 I sent reinvestigation letters to all three bureaus with no progress of getting this issue resolved. Neither company has been able to provide validation that this assumed debt belongs to me and I need it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
the company is reporting that i owe this company when i was a victim of identity theft and this company knew of that remove and block this from my report im am tired of being harassed and i am a victim please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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:
As previously stated to Experian, I am a victim of identity theft. Experian responded that authorization is needed because I am a third party. 
I XXXX XXXX give Experian authorization to proceed with my complaint of identity theft. I am a person putting my on complaint in not a third party of company.

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 2021-08-09 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Santander USA is reporting to the 3 major credit bureaus that I opened an account with the XX/XX/2013. They are claiming I had a balance of {$16000.00}. This information is FALSE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously notified Transunion that I am a victim of identity theft

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 2021-08-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX PA XXXX To whom it may concern, Im writing this letter to dispute the following accounts : Fraudulent Accounts XXXX XXXX XXXXXXXX Fraudulent Inquiries XXXX  Inquiry : XX/XX/2020This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in legal actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Please also send me an updated credit report reflecting these changes. Thank you.

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 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
This company has released my medical information without my permission. They are violating my HIPPAA rights and I just want justice. The accounts are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I was notified of a over drawn Wells Fargo checking account in my name Wells Fargo has a pending fraud case on it. However upon suggestions from collections I was told it looks better if it got paid off so I paid it even though it wasnt my doing at all. The account from 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 2021-08-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: OK

Complaint narrative:
I have send a dispute letter to XXXX  and XXXX  stating the information being reported is inaccurate. A collection account reported by NCB Management is reporting inaccurate information and when I sent a letter on XX/XX/XXXX and XX/XX/XXXX asking them to validate the said collection account they send me a letter stating that they could not substantiate the allegation of my dispute. Please see attached the letters. My credit report still says the same thing. I also send a letter ( attached ) on XX/XX/XXXX letting them know they have Re-AGED my debt. That is a Major FCRA violation. This account is still on my credit report. The FCRA generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please have them remove this account from all three major bureaus and minor bureau too. Thanks in advance.

Company response to consumer: Closed with explanation