vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I used the payment app XXXX through my bank, Bank of America to send {$600.00} to XXXX XXXX  ( XXXX ) and XXXX XXXX in exchange for concert tickets to be provided digitally. However, the tickets were never delivered and I was blocked on the communication platform, XXXX XXXX, by XXXX XXXX. 

I immediately contacted the bank and let them know what was going on as well as my local police department, XXXX XXXX Police Department to file a police report. I spoke with several bank representatives over the next few weeks, trying to get my money back. I was advised that I agreed to the terms of the payment that the money could not be retrieved and because of that the transfer was considered to be authorized and they can not return authorized transactions. I was advised that as a curtosy they would contact the banking institution that the payment went to, XXXX XXXX XXXX, and try to recover the funds on my behalf. I was told that they attempted to contact XXXX for 7 days and when no resolution was achieved they closed the claim. 

On XX/XX/XXXX I was advised by a supervisor in the BOA Fraud Department, XXXX, to contact the Chief Client Care XXXX, XXXX XXXX ( XXXX ), and describe the issue to her, she may be able to grant a one-time-courtesy-refund due to my loyalty to BOA as a XXXX customer. On XX/XX/XXXX, a woman from XXXX 's office called me to advise again that they would not be returning the funds as they are considered authorized due to the agreement that populates prior to sending money. I advised her how upset I was with this resolution and that I would be taking the steps I felt necessary to react to this issue, like pulling all of the accounts from BOA. 

Currently, the funds have not been returned to my account. In order to sign up for XXXX one must provide a real name and email address. Therefore, both banking institutions know exactly who the person is that stole this money from me is, XXXX XXXX. But they are each refusing to take responsibility for the restitution of the funds. 

I strongly feel that this fraud committed against me violates the Electronic Fund Transfer Act and that these large banks are using XXXX to skirt federal banking laws that protect consumers. The ownership of XXXX by the 7 largest banking companies and advertising this service to the retail consumer feels like another way that the large banks dupe and take advantage of the small retail consumer.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The 3 Credit reporting agencies transunion, XXXX, and XXXX  have assumed a vital role which I have not given them express written permission to report on my behalf. I have disputed erroneous, inaacurate, out of date, and fraudulent accounts from XXXX XXXX XXXX  that they are reporting. I have written to them to re-investigate already. Now, I am demanding they delete these fraudulent accounts due to all the errors and inaccuracies that they claim have been verified. If these accounts were in fact verified then why is there so much inconsistent information. Pursuant to 15 USC 1681, the credit agencies have a grave responsibility to report accurate, relevant, and impartial information. I have provided factual data which is attached to this complaint as evidence that I have been abused, treated unfairly and my character as a consumer has been tarnished due to these agencies lack of effort in finding correct validated information. I demand that these accounts be deleted immediately due to the copious inaccuracies and inconsistencies in data. These companies have not only violated my privacy by trafficking my name, but they have continued to deny me my rights as a federally protected consumer by doing their due diligence in investigating the matters I have submitted for complaint. SEE EXHIBITS A-F IN ATTACHMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
The 3 Credit reporting agencies XXXX, XXXX, and experian have assumed a vital role which I have not given them express written permission to report on my behalf. I have disputed erroneous, inaacurate, out of date, and fraudulent accounts from XXXXXXXX XXXX XXXX that they are reporting. I have written to them to re-investigate already. Now, I am demanding they delete these fraudulent accounts due to all the errors and inaccuracies that they claim have been verified. If these accounts were in fact verified then why is there so much inconsistent information. Pursuant to 15 USC 1681, the credit agencies have a grave responsibility to report accurate, relevant, and impartial information. I have provided factual data which is attached to this complaint as evidence that I have been abused, treated unfairly and my character as a consumer has been tarnished due to these agencies lack of effort in finding correct validated information. I demand that these accounts be deleted immediately due to the copious inaccuracies and inconsistencies in data. These companies have not only violated my privacy by trafficking my name, but they have continued to deny me my rights as a federally protected consumer by doing their due diligence in investigating the matters I have submitted for complaint. SEE EXHIBITS A-F IN ATTACHMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: LA

Complaint narrative:
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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  : # 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 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 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am Not aware of these accounts my social security card was in my wallet and i check my credit reports and these accounts were open in my name and these accounts do not belong to me.

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 2023-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I financed a vehicle through Ally Financial. The vehicle was totaled in XXXX. My insurance company contacted Ally, obtained the payoff amount and paid off the loan. Ally cashed the check on XX/XX/XXXX and released the lien on the title. My insurance company sent me a copy of the payoff check and a new, clear title issued in my insurance companys name by the state of Texas on XX/XX/XXXX. Three years later, Ally contacts me on XX/XX/XXXX claiming that I still owe one more payment. I thought it was a scam because the loan was paid off years ago. I got a call and a letter dated XX/XX/XXXX. They claimed that my insurance company never requested an official payoff, so the loan was not paid off. Instead, Ally deducted payments from the {$15000.00} check for three years and at the end, claimed I still owed one more payment. My insurance company tried to help me and made 3-way calls to Ally to try and get it resolved, but the insurance company eventually bowed out because Ally has done this before. My insurance company now has a policy requiring payoffs in writing because of this very problem with Ally. I spent 20+ hours trying to resolve the issue before finally paying the $ 400+ because collectors at Ally threatened my credit. They sent me another title in XXXX releasing the lien ( that was released years ago ). Lo and behold, I later discovered that Ally reported that I had 30 and 60 day late payments. When I contacted them, Ally claimed they could not resolve this with the credit bureau. I disputed these late payments with the credit bureau, and Ally still maintained that I was 30 days late. The credit bureau sent me to FTC.gov.

I do not believe I owed the debt, but I paid it anyway to save my credit from showing a collections while I got it resolved. I think Ally had a paperwork error in XXXX and is trying to make me responsible for their error. My insurance company ( XXXX ) handled the total loss transaction, so I do not have the records or memory to prove what happened in order to get the late payment removed from my credit. Regardless of whether the debt was owed, it was paid 3 weeks after they initially contacted me on XX/XX/XXXX, so it couldnt possibly be late. According to Ally, they were sending me electronic notices through an Ally online account that I never checked again after XX/XX/XXXX because I was told that the loan was paid in full. That is not sufficient notice to report late payments to the credit bureaus.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I sent a letter on XX/XX/2023,. Its been over a month you I have to receive any update from 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 2023-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
My mortgage company is Amerihome Mortgage LLC. I was in a forbearance for XX/XX/XXXX to XX/XX/XXXX. I was reported late to the credit bureaus on payment for XXXX and XX/XX/XXXX. I was told to start making payment XXXX XXXX, so I called in and made XXXX payment over the phone for {$4000.00}. In XX/XX/XXXX I was told my payment increased by XXXX for taxes my mortgage company had paid. I am XXXX XXXX XXXX XXXX, so I am exempt for property taxes in TX. For XXXX months I called my mortgage company and informed them that I am tax exempt. I called in XXXX and made another payment and also in XXXX. The mortgage company never applied my payment to my loan. They were in suspense. I was told by the mortgage company that they would put my payments on hold in XXXX in order to investigate the property taxes they said they paid. I was never notified of the outcome of the investigation, but now they are reporting me missing payments XXXX and XXXX days late. I spoke to a rep on XXXX XX/XX/XXXX and she saw wete payments made, but nothing credited. Now I recently sold the home and now I'm trying to obtain and now mortgage and they are seeing that I have late payments for my past mortgage. I kept in communication with the mortgage company, but they failed to keep me informed. They kept calling to tell me my payments were due, after they told me they were investigating the situation, but never called to say it was resolved. I've been living in a XXXX for almost a month waiting to close in a home and now I probably will lose this home because of the information reported by my previous mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
my information was used to open an account up using my name with a different address that i have never resided in. According to the report in my credit report the account was opened in XXXX and closed on XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX the balance showing is XXXX. I contacted the original credit grantor of the fradulent account and they confirmed the address used does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2023, someone opened a credit card account with Bank of America in my name fraudulently. 

I have never received the card, but have begun to receive correspondence from Bank of America referring to the account. 
I have checked my credit reports from XXXX, XXXX and XXXX, and they all 3 have the account on my report. 
The account should have never been opened.

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 2023-03-22 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: WI

Complaint narrative:
Have excessive telephone numbers reported on Trans Union Credit Breau and unable to login to dispute and " Block because I am Black Blocked '' so they can implement systemic discrimination as Tran Union is not allowing me to dispute reporting by blocking Black from login into their system to continue their report of erroneous information as to excessive telephone and not reporting or allowing update to correct telephone number of XXXX to assist companies and Banks discriminate. 

It's been said that government agencies like " Social Security Administration and IRS '' have Dept. of Justice to harass senior citizen and cover-up discriminate and could be involved with this type of corruption or discrimination or due to politics. Practice to evade federal protection at FRCA or ECOA and other laws to protection American by systemically discrimination and maybe one of the cause violations in America. 
Even XXXX XXXX employees have no power to correct allow login because I am Black Blocked. 

XXXX will not let me login or anything because they want to continue to report erroneous information systemically to Black-Blocked my credit file.

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 2023-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was denied a loan modification by Wells Fargo as I was struggling to make the payments. That put me under a tremendous hardship to the point I had to defend my house filing for Bankruptcy in XXXX of 2019. 

I need to know if I am entitled for compensation under the consent order filed by The Consumer Financial Protection Bureau. File # XXXX. So far they have not contact me. They tried to foreclosure 2 times ( I can provide the court file numbers ). 

The first time we won the case against them as they could not prove in court I signed a blank document before or after I refinance with them. 

They waited until the case was cleared from the courts in XXXX XXXX to initiate a second foreclosure filing which I had to defend for the second time filing for Bankruptcy XXXX XXXXXXXX. 

Adding to the fire, as soon as they could, they sold my loan to XXXX XXXX XXXX in Colorado. Complaint # XXXX filed with the XXXX XXXX XXXX 

I need you to check if my loan # 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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter off on XX/XX/2023, to remove personal information that I don't want on my credit report. Here are my tracking numbers : # XXXX # XXXX. 

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 6802 no financial institution is supposed to share my information to 3rd parties.

These are clear violations of my federally protected 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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I sent a letter on XX/XX/2023,. Its been over a month you I have to receive any update from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been disputing this account one XXXX for years. It has been opened and closed fraudulently. I sent in a few affidavits to XXXX  and they dont do anything about it. They just say American Express claims this account is valid but they dont send any documents or proof that this account does belong to me. I spoke with American Express and they really dont have the best customer service I called and they were ready to do an investigation with the account that popped up and I didnt even give her any of my information yet. It took about 3-4 times for her to understand I was calling on an account that was listed on my credit. I then asked if this account is verified why havent I receive any documents or proof? The information she provided to me ie : address email etc didnt belong to me and never belonged to me. I have given them my new information for the investigation and now Im worried theyre going to try to change the information just to say the account belongs to me. Mind you they have been removed from my other credit bureaus XXXX is the only one saying theyre saying this acct is valid

Company response to consumer: Closed with explanation