vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed XXXX complaints with CFPB regarding a Fraudulent charge of XXXX XXXXXXXX not made on my phone or computer, and without my knowledge or consent, but was allowed by Bank of America who did not call me to confirm if the transactions were made by me. In the past Bank of America denied a transaction to a XXXX XXXX causing me to call them to verify that it was a legitimate transaction. This time BofA failed to contact me to verify the legitimacy of the " Fraudulent '' transaction mentioned on my below mentioned complaints on : ( CFPB Complaint numbers # XXXXXXXX XXXX XXXX XXXXXXXX ) Instead Bank of America approved XXXX Fraudulent Transaction and during the CFPB investigation, BofA transferred the Fraudulent XXXX XXXX debt BofA to XXXX XXXX XXXX  XXXX XXXX XXXX. 

On XX/XX/2022, I spoke with " XXXX '' at XXXX XXXX Bank because I received several " Hang Up Calls '' from them as per Caller ID. I also received a collection letter from them date XX/XX/2022, attempting to collect the fraudulent debt BofA transferred to them during CFPB investigation as per the aforesaid complaint numbers. Please note that " I texted several messages to XXXX XXXXXXXX XXXX '' to the telephone number reflected on my " Caller ID '', to include pictures of the CFPB Complaint numbers, explaining the fraud situation asking them to cease and desists collection activities and to contact CFPB and provided your office telephone number. 

When trying to explain what occurred to XXXX, he stated that they were not Bank of America at which time I explained about the Fraudulent debt and that I texted information regarding the fraudulent charges and that they should contact BofA and CFPB to corroborate my statement. I asked him to document what was stated during our phone conversation and for XXXX to ask his management what to do about the Fraud BofA sent them. XXXX then said that he would transfer me to their fraud unit but I informed him to document our conversation and that I had already texted that information and to contact XXXX and your office ( CFPB ) and culminated contact. 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 monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: NE

Complaint narrative:
The debt originated in XXXX, I fell behind on payments and it was sold to a third party. The third party is XXXX XXXX XXXX. This company drafted {$1800.00} dollars in XXXX XXXX and then told me that they would no longer draft my account. I received a summons from their attorney on Tuesday XX/XX/XXXX it said that the amount due to was {$1.00}, XXXX and I had 10 days to respond. The letter is as stamped by the post office on XX/XX/XXXX, but didnt reach me until 5 days later. The next day I went to the court house to file my response and I discovered at this time that {$160.00} was taken from my account because thats all the had at the moment. The proceedings to levy my account started just 1 day after receiving the summons without allowing me to respond. The next draft on XX/XX/XXXX will not only wipe out my entire account but I will be negative. There has been no activity regarding this debt since XXXX, and Nebraska statue of limitations on debt is 5 years. When I received the summons no information was provided other than the amount, nothing was disclosed to me. I do not understand how my account can be drafted without giving me the opportunity to file my response and how can they legally collect in a debt that is past the statue of limitation? The County court has given me a court date to present my response, so obviously this company started the draft without a court order Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Re : XXXX This is about the deletion of below-mentioned account from XXXX on XX/XX/2022 XXXX 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX I request your Company to delete the above-mentioned account from your records immediately. 

Pursuant to 15 USC 1681SXXXX ( a ) ( XXXX ) ( b ) ( ii ), the information provided by the furnisher was inaccurate. Therefore, I request your Company to remove the same as early as possible. 

Since XXXX was given the notice the information is false, they deleted the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I discovered that there was an account opened under my name several years, when I called customer service they confirmed it was closed but the process to file a ID Theft Claim with WellsFargo is over burdensome. I never had accounts with WellsFargo. They need to mark all the accounts associated with me as fraud and have their ID XXXX Department investigate this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I received your letter dated XX/XX/XXXX denying my request for assistance and denying my appeal for reasons that are unreasonable, you stated you that you wouldnt review my loan for workout plan because I received several workout plans in the past and that is NOT true, I have not received any workout plan since XXXX and that XXXX workout plan offered by a total different servicer then it was AHMSI whom went out of business, I didn't accept that offer, it was not a good plan or affordable workout so I did not accept and kept the original loan and luckily my loan was transferred to many different servicers that that I did not even know who was my servicer at that time and who I needed to negotiate my loan with and or send my payments to then, beside all that I was XXXX XXXXy and I was XXXX XXXX and I had no one here in the state to help me legally with my mortgage negotiations, few I hired from overseas scammed me and took my money and never called me once. so please I had no options or even a chance to redeem myself and redeem my home, please give me a chance and work with me, put me on a trial payment, look at the nature of this loan I have now and current market values and just give me a chance so I can catch up and take a breath. I have a family that suffered severely from covid on top of it, I have lost my elderly mom to XXXX in XXXX and almost lost mine too to XXXX XXXXast year, give me a break and stop being harsh to us homeowners we never intend to default on our mortgage but this mortgage was a bad loan from the beginning and I was scammed to accept it and I wasn't knowledgeable then on what I was getting myself and my family into when I accepted it.. I have submitted application with XXXX  XXXX XXXX  and it's in review for loan for assistance. please work with XXXX XXXX to find the best scenario that can make this work and not peruse forclosure actions as its illegal, I have contacted XXXX XXXX and they said they and they advised me you need to send them orders to rescind this sale. we are military family and thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX we received a letter from Planet Home Lending that the servicing of our mortgage was being transferred to them. On XX/XX/XXXX I did receive a bill from our current servicer, XXXX XXXX XXXX, stating our mortgage payment is due with them on XXXX. I called XXXX and asked who should I pay since the loan was being transferred. XXXX stated over the phone that the transfer to Planet Lending would be official on XX/XX/XXXX so I could pay them for the XXXX payment. 

Today, I received a letter from Planet Home Lending for the XXXX payment. This letter was actually address to our previous address ( home we sold after buying our new house ). I called Planet Home Lending today and talked to XXXX ( employee ID XXXX ) trying to figure out what was going on with the servicing. He told me there was an error with 24 loans, mine being one of them, that Planet Home Lending does NOT actually have the servicing rights to my loan. I asked for him to provide that in writing but he refused and then hung up on me. 

I called XXXX XXXX XXXX right after and talked with XXXX ( employee ID XXXX ). She stated that Planet Home Lending IS going to be our servicer which is the exact opposite story. 

So the issues are : -Planet Home Lending refusing to provide any documentation to verify that we do NOT have an account with them -Planet Home Lending sending communication to an invalid residential address -If Planet Home Lending was sent our information by mistake that is a privacy violation since they now have our SSN/DOB/address/etc XXXX Loan Servicing either incorrectly sending our information to a third party OR not having their records correct I've never had a late payment in my life, I'm licensed with the NMLS for my job so can not have any derogs on my credit, and concerned about our private info. 

Who services my loan and who do I pay!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX was originally managed by XXXX. XXXX announced it would no longer be overseeing XXXXXXXX XXXX XXXX company. The new company/bank overseeing XXXXXXXX XXXX XXXX  is Comenity Bank . 

We noticed our new credit cards were not arriving. When we called Comenity to inquire regarding new credit cards, we were first informed they had to cancel our orginally issued credit cards because someone had attempted to register them fraudulently. Another representative failed to support that story and instead acknowleged that the company had never sent the cards and would be reissuing new cards. 

They never sent a last statement with updated balance even though they noted in a prerecorded message that new statements with current balance was mailed. 

We called in and were able to obtain our balance in order to make current payment. 

During a follow up call, we inquired regarding our rewards and informed them we would like to obtain our rewards. 

The representative hung up our telephone call. 

When we called back, they informed us that we needed to set up an account with them in order to obtain our rewards. They noted that in order to set up our new account, we needed to have our new credit cards. 

We informed them that we have yet received our new credit cards. They informed us that our new credit cards were on backlog. 

When we asked that our rewards be issued directly as a deposit to our bank as that is an option, they informed us that the Rewards page was down and they could not assist. 

We requested to speak to manager. We were unable to get one on the line following a prolonged wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i contacted all XXXX credit bureaus on XX/XX/2022 asking them to verify the accounts and debts on my credit reports due to the fact that i noticed some inaccuracies on my reports the responded telling me that they have verified my reports and yet there are still some inaccuracies on my credit reports the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE TO 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been unable to remove the fraud alert ( s ) on my consumer report on your website. After several attempts I keep receiving an error message stating Were experiencing technical difficulties and were unable to process your request at this time. I also attempted to remove the fraud alert ( s ) by phone but was denied and told that I have to send in a written request. I was told by your Representative XXXX XXXX that you let some consumers remove fraud alerts online and by phone and other consumers have to send in written correspondence. This is unfair business practices and your company neither exercised its responsibilities with fairness and impartiality. This entire process has been frustrating and mentally exhausting. 

This is my NOTICE of consent to remove any/all fraud alert ( s ) that are active on my consumer report. My Drivers License and Social Security Card have been attached to this correspondence. Please send me a written notification that the fraud alert ( s ) have been removed and an updated copy of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  ( XXXX XXXX XXXX ) # XXXX, XXXX. XXXX XXXX ( XXXX XXXX ) # XXXX, XXXX FCU # XXXX, XXXX FCU # XXXX XXXX, XXXX XXXX FCU # XXXX, FiXXXX XXXX XXXX XXXX XXXX  FCU Credit Card ) # XXXX, XXXX Bank XXXX # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any 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. 1681sXXXX ( A ) ( XXXX ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKMOBILE TECHNOLOGIES, INC
State: NY

Complaint narrative:
The bank has cancelled the check they sent me. They closed my account instead of crediting the transaction, and everything that was paid with the check before they cancelled it has now bounced. I no longer have a current car payment, insurance, electricity payment, or merchant completed transactions. Each of them including the bank where I cashed it are charging me fees. Also, the replacement check is not listed in transactions, it is not at my mailbox, and they are trying to collect the balance owed by XXXX my kids

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Re : XXXX This is about the deletion of below-mentioned account from XXXX on XX/XX/2022 XXXX 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX I request your Company to delete the above-mentioned account from your records immediately. 

Pursuant to 15 USC 1681SXXXX ( a ) ( XXXX ) ( b ) ( ii ), the information provided by the furnisher was inaccurate. Therefore, I request your Company to remove the same as early as possible. 

Since XXXX was given the notice the information is false, they deleted the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express solicited my business, asking me to apply for a new credit card in XXXX, XXXX ; Blue Cash Preferred * from American Express. The American Express solicitation identified a {$300.00} credit promotional offer if at least {$3000.00} is spent on the card in 6 months. I applied. American Express pulled a new credit report and opened a new banking account for the credit card. I spent {$3000.00} within 4 months. Called American Express support multiple times and they confirmed my eligibility for the {$300.00} statement credit. After 7 months and no {$300.00} promotional credit a called again. I was assured that I had satisfied the terms of the promotional offer on XX/XX/XXXX, but was told the 'back office ' pulled back the {$300.00} credit because they felt I was not a new customer. I have had American Express credit cards in the past, but not within the last 3 years. 

I feel that the promotional offer was not made in good faith. American Express benefited from my business over 7 months, reaping a high percentage from my purchases. I paid all balances on time. I feel that American Express fraudulently pulled a new Credit Report. If they feel that I am not a 'new customer ' why inquire about my credit? 

Lesson learned is that you can not trust American Express promotional offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
My identity was stolen in XXXXAn apartment was rented in my name in Wyoming. I. Q. Data International has filed a report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act shows several laws being broken here 15 U.S.C 1681 section 602 A : states that 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.

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