vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We received the attached letter dated XX/XX/XXXX indicating that Bank of America is closing our account. While they are within their rights to do so, they also indicated that they would continue to send statements as required. To date we have received no statements. When we tried to pay online, they had removed our access. We called and they told us that collections was in charge of the statements - our account is not in collections. We would like a convenient way to pay our bill online, just as every other Bank of America customer. More importantly, we expect to receive a statement every single month as Bank of America is obligated to do.

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 2023-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
On XX/XX/XXXX, I sent {$5000.00} from my checking account to my friend 's bank account in XXXX via Western Union XXXX. According to Western Union, the money is sent to the XXXX bank on XX/XX/XXXX. However my friend still hasn't received my money today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: CA

Complaint narrative:
I am getting multiple HARD INQUIRIES on my Experian app. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also getting denial for credit from others XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: CO

Complaint narrative:
In accordance with, and under the protection of the ( fcra ) FAIR CREDIT REPORTING ACT. I ask for the complete investigation, verification, and subsequent removal of any and all inaccurate, incomplete, and or unverifiable accounts being reported by credit bureaus. These laws sited insist privacy, permission, accuracy, fairness, and complete investigation before reporting any information and alleged accounts. 15 U.S.C 1681sec 602a, 604a sec 2, 1681i ( f ) ( 3 ) ,1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These are the inquiries in. question. ( XXXX ) XXXX XXXX XXXX XXXX XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. ( XXXX ) XXXX. ( XXXX ) XXXX finance. ( XXXX ) XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
We suspect XXXX XXXX XXXX and My Loan Care may be attempting to move high value, low interest mortgages to a separate service provider without ensuring the mortgagees have received adequate notice of the transfer, and removing the auto draft information from these accounts, in order to place the mortgages in default, call the entire amount due, and force the mortgagee to refinance at a much higher rate. Our mortgage had been with XXXX XXXX XXXX since just after we purchased the house in XX/XX/2021 ( {$1.00} mil, 3.4 % ). We set up auto payment and had perfect payment history. On Sunday my husband opened an email from XXXX XXXX showing our mortgage with My Loan Care ( a company wed never heard of ) and was in default. We did some research and saw that XXXX XXXX XXXX  had transferred the loan to a subservicer, My Loan Care. We received NO notice of the transfer of our account to My Loan Care. We have received letters from XXXX XXXX XXXX  monthly since setting up the autopay and disregarded those notices as we had Auto Draft set up. All the envelopes we received from XXXX XXXX XXXX looked identical to the previous statement envelopes we had received so we continued to discard those envelopes. We do not recall receiving any letters from My Loan Care. We did not receive any phone calls on this topic. We did not notice the money was not debiting because we keep a high amount in our checking account and the mortgage amount is diminimus. That same day, we attempted to create a username/password and login to the My Loan Care system. We received an error message and was unable to login. We also attempted to call the automated payment line and was told there was no automated service available on a Sunday. We contacted My Loan Care through a XXXX XXXX XXXX number and automated system. We set up auto draft and paid the amount. Despite us not receiving adequate notice, only 1 late fee was removed and the customer service representative refused to remove the negative reports on our credit reports without us sending a written letter. Additionally, when we asked why all of our personal information ( including our Social Security numbers ) was transferred to My Loan Care ( a service provider of XXXX XXXXXXXX XXXX ) except our auto draft information when we consented to such transfer of personal information in or original loan documents, a customer service representative stated it was " for our protection. '' We also spoke to a web services customer service representative who stated that we must " allow all cookies '' on our browser in order to log in to the website. We plan on contacting a class action attorney to discuss this situation.

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 2023-06-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: NY

Complaint narrative:
I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Received notification from my credit monitoring service that a collection was added to my public credit profile. I was never notified by the collection company. I called the collection company using the number I received from my monitoring service and spoke to someone. I informed told them the information they was incorrect and to send me proof of what they had. This is an attempt to highjack my credit to extort money from me. 

Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: UT

Complaint narrative:
Someone took {$620.00} fraudulently from my account have tried to call the bank they have closed my dispute two different times that I've had to reopen they say there's no fraudulent activity detected but all of the transactions were in Texas I live in Utah they were done while I was at work and I've called the bank several different times have been fighting with them all weekend about it and they say there's no fraudulent activity detected I've had to have them reopen the disputes twice now because they keep closing them and denying my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
I was on the forbearance plan until I believe XXXX or XXXX XXXX. I had been checking in every month online. I called for a total owed to know how much I owed in XX/XX/XXXX, I was then informed they were going to foreclose on me from lack of communication? They said they did not want my house if I could start paying again. Then weeks later they served me with papers. They then said they would stop the foreclosure and add My about {$30000.00} to a second mortgage that would not have to be paid back until the first was paid or I sold the house. Now last month XX/XX/XXXX my whole payment went to suspense plus a late charge. I called and they said they were removing the late charge, but my credit shows a 30 day late status and dropped my score XXXX points. This is nuts. When I started repaying my loan my payment was around {$1700.00}, so I payed {$2000.00} or {$2500.00} for a few months to pay down my principal. This was not applied to principal. I just need someone who defends people with fha loans to see what is really going on. It is not what they tell me after hours on the phone. 
thanks XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, issued by XXXXXXXX XXXX is reporting to the consumer reporting agencies while the account and the charges on the account are in dispute and in litigation in Federal Court in the XXXX XXXX XXXX XXXX. This is a defamation of character, a means of extortion, is a willful and intentional harm to my person, and violates my consumer rights.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, issued by XXXX XXXX  is reporting to the consumer reporting agencies while the account and the charges on the account are in dispute and in litigation in Federal Court in the XXXX XXXX XXXX XXXX  This is a defamation of character, a means of extortion, is a willful and intentional harm to my person, and violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-06-12 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have communicated with them to see if I could negotiate my debt, but they have refused to come to a settlement and they are forcing me to pay the full amount. Right now, I have financial constraints and their actions have rendered me and my kids homeless. The agent threatened that I will never get this off my credit. Every time credit repair removes it, they put it right back. I think this is a violation of the fair credit act and I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made an insurance claim on damages to my home from a storm. I received a check for {$10000.00} from XXXX XXXX. XXXX banks with XXXX XXXX The check was made out to me ( XXXX XXXX XXXX, but was to be endorsed by me, my mortgage company ( XXXXXXXX XXXX ), and my private adjuster. I never got the check in my mailbox and it was lost in the mail I assume. I later found out that my check was cashed with a BMO Harris bank in XXXX XXXX Florida. I never have banked or have I done any business with BMO Harris Bank in the past. I responded to the bank and talked to a bank manager. The check was not endorsed by required parties, but was cashed. I never authorized this and received no funds. I reported this with a fraud affidavit with XXXX XXXX. BMO Harris bank is not responding to my insurance company or XXXX XXXX. I dont know who got my funds, but I do believe they cashed the check because the party had a BMO Harris checking account. The check was fraudulently cashed in early XXXX of 2023. I made a formal complaint to all parties in XXXX. I have sent numerous emails, spent hours on hold with BMO Harris fraud department and have gotten nothing.

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 2023-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my BoM account to fraudulent investment firm ( s ).

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 2023-06-12 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: DE

Complaint narrative:
After looking over my consumer report I've noticed that Experian is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, Section ( c ) Ceasing Communication, I ask that the creditors cease communication with me which also includes removing these accounts from my consumer report which by definition is a form of communication.

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 2023-06-12 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: PA

Complaint narrative:
I recently pulled my credit report and noticed a bunch of inquiries that are fraudulent, and a bunch of addresses that are not connected to me, or that have never been associated with me. This information is being reported inaccurately and is causing damages to me. 
According to FCRA. You are not allowed to report inaccurate information, or you could be held civilly liable. This information is damaging to me and interfering with my search for homes. If I end up homeless as a result of your inaccurate reporting I intend to hold you liable for the amount of my actual damages. You must block and remove this inaccurate information from my credit report immediately. 

I have attached a FTC report for these fraudulent inquiries, and a list of these fraudulent addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: PA

Complaint narrative:
I recently pulled my credit report and noticed a bunch of inquiries that are fraudulent, and a bunch of addresses that are not connected to me, or that have never been associated with me. This information is being reported inaccurately and is causing damages to me. 
According to FCRA. You are not allowed to report inaccurate information, or you could be held civilly liable. This information is damaging to me and interfering with my search for homes. If I end up homeless as a result of your inaccurate reporting I intend to hold you liable for the amount of my actual damages. You must block and remove this inaccurate information from my credit report immediately. 

I have attached a FTC report for these fraudulent inquiries, and a list of these fraudulent addresses.

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 2023-06-12 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: TX

Complaint narrative:
There were multiple fraudulent charges on my account. 2 of them were rejected by the bank but one transaction that was not performed by me was authorized. 

on XX/XX/2023 I received texts from wells Fargo that there was suspicious transactions of XXXX which was rejected and XXXX which was processed. 

There was another one from XXXX XXXX  but I no longer have that amount as I had already called wells Fargo for them to take action but that one was rejected. 

They denied my claim on the XXXX transaction at XXXX XXXX XXXX store. I showed them GPS movement of my location on the XXXX when I received the texts and the XXXX which they indicated when the transaction was made or when it was completed. My location indicated I was not in the area of that store. 

Also, they supposedly sent a replacement ATM Debit card for my expired card which I never received. I received a notification on XX/XX/2023 that the replacement card shipped but I never received 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 monetary relief