vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On or about XX/XX/XXXX, XXXX XXXX and his wife, XXXX XXXX, discovered that her grandson, XXXX XXXX XXXX, had been sending money from their checking and two savings accounts at Bank of America, to an account or accounts in XXXXXXXX XXXX name via XXXX. Said XXXX transfers were not known about nor authorized by XXXX and XXXX XXXX. XXXX XXXX has since passed away on XX/XX/XXXX. To this day, XXXX XXXX does not know how XXXX obtained access in order to steal these funds. The total stolen was {>= $1,000,000}. 

XXXX and XXXX XXXX sought for XXXX to be prosecuted, and he was. See attached Police Report ( Exhibit XXXX ), Criminal Summons and Application for Statement of Charges ( Exhibit XXXX ), True Bill Indictment ( Exhibit XXXX ), Resolution of case and Notice of Recorded Judgment in Restitution ( Exhibit XXXX ), and List of fraudulent transactions ( Exhibit XXXX ). Bank Statements showing fraudulent transactions are available by request, but would exceed the page limit. XXXX plead guilty to theft, and was sentenced, and a restitution judgment of {$14000.00}, was awarded to XXXX and XXXX XXXX. 

XXXX and XXXX XXXX want to Bank of America in XXXX, MD, as soon as they discovered the theft. They put in a fraud claim with bank manager XXXX XXXX. On or about XX/XX/XXXX, they received a letter from the bank rejecting their fraud claim. XXXX XXXX attached as Exhibit XXXX. The Calim number for Bank of America was XXXX. 

When they received said letter, they went to the bank and met with XXXX XXXX. She told them she was filing an appeal on her computer terminal. They did not recieve any documents about the appeal. They had initially been told that they would be required to press criminal charges against XXXX, which they did. They never received any documents or verbal information, to tell them the result of the appeal. To this day, Bank of America has not notified XXXX XXXX of the result of the appeal. 

XXXX XXXX has engaged XXXX XXXX XXXX, XXXX, to look into the fraud claim, but Bank of America will not respond to his phone calls or 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 2023-10-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
We were told that once we reached a certain amount of equity, we could remove our PMI, and now we're being told that we can not remove it for a few more years. Our house is being appraised at over XXXX and we owe about XXXX. But are paying XXXX a month in PMI. I'd like it unfair. You spent a lot of money and put so much work in this house so we can increase the value and we're not benefiting from it.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed complaints with XXXX, Equifax, and XXXX for reporting incorrect information on my credit report. I provided a list of the accounts and informed them of the infractions they were committing against my consumer report. They have not responded after more than 60 days. I have copies of every letter that was sent below. 

The failure to mark this disputed account as disputed by the company constitutes a violation of FCRA 623 ( a ) b ).

If the period has also been violated as of the date of the last activity on this account, then 605 ( c ) is in effect. When it needs to show the most recent payment date. 

This business has consistently done nothing to further verify this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the credit reporting act this creditor has violated my rights. Under 15Usc1681 sec 602 states I have the rights to privacy, 15usc1681 sec 604a sec 2 a consumer reporting agency can not furnish an account without my written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX 30 days late XXXX date : unknown used card once 30 days late XXXX XXXX XXXX : XX/XX/XXXX 30 days late

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 2023-10-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the credit reporting act this creditor has violated my rights. Under 15Usc1681 sec 602 states I have the rights to privacy, 15usc1681 sec 604a sec 2 a consumer reporting agency can not furnish an account without my written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX : XXXX 30 days late XXXX date : unknown used card once 30 days late XXXX XXXX XXXX : XX/XX/XXXX 30 days late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NC

Complaint narrative:
I submitted a request via the Edfinancial website regarding incorrectly calculated payment amount due, which is due now. They have the same amount due ( {$580.00} ) as they had me paying in XX/XX/2020 despite moving me automatically to SAVE from REPAYE. When I go to the government 's website and log in and they have my student loan balance and income info, they tell me a much lower amount should be due. 

I see online news stories that this is a known issue and " has been resolved '' with accounts being placed in forbearance until the issue is fixed but my account is not updated and is not in forbearance. 

It is wrong for those in a position of responsibility to claim these issues are resolved and action has been taken when clearly it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, Please completely remove me as authorized user from the XXXX XXXX XXXX XXXX credit cards attached - there are 2. 

Please completely remove these tradelines from XXXX, XXXX, and Transunion- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please note that are 2 credit cards. 

Please have this handled as soon as possible.

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 2023-10-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, Please completely remove me as authorized user from the XXXX XXXX XXXX XXXX XXXX cards attached - there are 2. 

Please completely remove these tradelines from XXXX, Equifax, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please note that are 2 credit cards. 

Please have this handled as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: FL

Complaint narrative:
Hello, Please completely remove me as authorized user from the XXXX XXXX XXXX XXXX XXXX cards attached - there are 2. 

Please completely remove these tradelines from Experian, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please note that are 2 credit cards. 

Please have this handled as soon as possible.

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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had fraud to my Wells Fargo account that i have had it for 39 years. I was contacted by a person saying his was a Wells Fargo agent and that I had fraud. I was dealing with my XXXX  parent was not in my right mind. They took money out of my Checking account in the amount of {$6800.00}. I followed the proper protocol and had all accounts closed. I contacted the police department and filed a police report. I continued to call and was informed that they are working on it. I finally got a letter saying the claim was denied. I was told it was going the executive escalation department. Never heard back. Called today and was told that my claim was never opened back up and my claim was denied. I feel that my information was provided by a breach with Wells Fargo, for them to have my all my personal information. Wells Fargo is insured for this and they told me that I would have to do the research to get my money back. I feel as if they did not investigate properly and they are just denying all claims. I am very disappointed with Wells Fargo Fraud department. They had been extremely rude to me on each call. Big banks do not help they clients when they have fraud due to there negiliance.

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 2023-10-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

In accordance with de Fair Credit Reporting act convergence accounts, has violated my rights. : XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2023, I went on the American Express chat to see if I had any available promotions or product benefits, As a general question I asked the chat support if there were any promotional credit line increases available, and they asked to obtain information about my total annual income, I replied with the income amount as well as if this is gon na be a hard inquiry, I was then told for that matter I would have to check the dedicated team and agent tried to submit my request but was currently denied, I responded with why did you submit if I did not give you consent, and all you did was ask for my total gross and did not confirm if I consented and agent did not follow policy and submitted without my consent. I have had several complaints/claims opened and in each one, I was told they were closed as there is no resolution for what was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
This year I attempted to pay my debt owed with a reduced amount offered by a debt collection agency. I paid on XX/XX/ an amount of {$420.00}. months have gone by and I see my debt is still on my credit. The Email receipt as well has another name that's not mine, It says XXXX XXXX. I dismissed this as a mistake in the past. When I call the company they can't find my account which does not make since I accessed my account through the online platform with my social and the last 4 digits of the account I owed. They said they would return the amount paid because it seems it went to another account but that has not happened yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received a copy of my credit report and found the following item is what i am disputing. 
XXXX. Your in violation of 15 U.S CODE 1605 ( a ) and 15 U.S CODE 1666B XXXX XXXX Account Number : XXXX Please remove inaccurate late payment for XX/XX/2023.

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 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 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 : It also states a consumer reporting agency can not furnish a account without my written instructions ( ALLY FINANCIAL ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-27 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX  XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XXXX XXXX XXXX, I called my federal student loan service provider to inquire about a processing payment. I waited for 40 minutes and 11 seconds for an operator before I hung up. The wait time I experienced is unacceptable, especially with the resumption of student loan repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed complaints with TransUnion, XXXX, and XXXX for reporting incorrect information on my credit report. I provided a list of the accounts and informed them of the infractions they were committing against my consumer report. They have not responded after more than 60 days. I have copies of every letter that was sent below. 

The failure to mark this disputed account as disputed by the company constitutes a violation of FCRA 623 ( a ) b ).

If the period has also been violated as of the date of the last activity on this account, then 605 ( c ) is in effect. When it needs to show the most recent payment date. 

This business has consistently done nothing to further verify this collection account.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed complaints with XXXX, XXXX, and Experian for reporting incorrect information on my credit report. I provided a list of the accounts and informed them of the infractions they were committing against my consumer report. They have not responded after more than 60 days. I have copies of every letter that was sent below. 

The failure to mark this disputed account as disputed by the company constitutes a violation of FCRA 623 ( a ) b ).

If the period has also been violated as of the date of the last activity on this account, then 605 ( c ) is in effect. When it needs to show the most recent payment date.

This business has consistently done nothing to further verify this collection account.

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