vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed a fraudulent transaction in the amount of {$7500.00}, the transaction was made from my business checking account and is in the name of XXXX XXXX XXXX, I am the only authorized user on this account, and I own 100 % of the business, XXXX XXXX. 
I went to my local Key Bank branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX where XXXX XXXX, a branch employee, made some phone calls and reported that the money had been transferred to XXXX XXXX bank account, I explained that I did not have an account at XXXX XXXX. I was told to file an ACH return form, which would report the fraudulent transaction to the KeyBank. 

On XX/XX/XXXX I noticed a withdraw from my personal account at XXXX XXXX XXXX in the amount of {$3500.00}. 
I reported the fraudulent transaction to XXXX XXXX XXXX at the local branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The account was closed, the bank opened a new account and returned the money to my new account the next day. 


On XX/XX/XXXX I received a call from XXXX XXXX, who is an ex business partner. He told me that he made the fraudulent transactions. 

My issue was settled at XXXX  XXXX XXXX and so I called Key Bank to update the bank with this new information, I was told that I needed to close my business account and open a new one, I also needed to complete a new form for the ACH department. 

XXXX XXXX at Key Bank told me to file a police report Key bank told me that provisional credit would be applied to the new account on XX/XX/XXXX. When that credit was not sent, I visited the branch and I was told that the matter has been escalated internally, that I could not call anyone at key bank to get information, and this is how the situation sits to this day. I have made several calls to the bank to get information, I have also visited the branch on at least two occasions to find out when my credit would be applied, only to be told there are no updates. 

Again, I am the only signer on the Bank account and I did not authorize the transaction for {$7500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Fund, LLC
State: TX

Complaint narrative:
XXXX  CREDIT BUREAU HAS BEEN ASKED SEVERAL TIMES TO REMOVE THE DEBT FROM XXXX   FOR THE AMOUNT OF {XXXX XXXX XXXX HAS REMOVED THE DEBT MIDWEST RECOVERY PROVIDED BY XXXX XXXX XXXX XXXX. THIS COMPANY KEEPS FORWARDING THE DEBT TO DIFFERENT COLLECTION AGENCIES WITH FALSE DATES THE DEBT/ ACCOUNT WAS OPEN. I HAVE REQUESTED XXXX XXXX XXXX XXXX XXXX  TO REMOVE THIS OFF MY CREDIT FILE SINCE XX/XX/2013.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account should not be on my report. It's not mine.

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 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX - new inquiry on XX/XX/2020 through XXXX XXXX XXXX XXXX - new inquiry on XXXX through Transunion XXXX XXXX XXXX -new inquiry- XX/XX/2020 through XXXX I have put a fraud alert on my name and social through XXXX and i have frozen my credit report with TransUnion and XXXX on XX/XX/2020 XXXX 

New inquiries are still being made after i put an alert out and froze my accounts. 
reached out to all the credit card companies that are trying to pull my credit report and nothing is being looked into or resolved

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 2020-01-23 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: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: NJ

Complaint narrative:
FTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This is not a personal problem that affects just me. This is affecting every consumer in our country. You have to fight & make several phone calls to get to your free annual credit report or even if you're denied credit. All 3 of these agencies direct you totally to their " pay for sites ''. This is a scam & is directed totally to people of low income or seniors. People with high incomes & other means of income do not rely on these so called credit companies. I also realize my complaint will be tossed & never addressed before I die.

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 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This is not a personal problem that affects just me. This is affecting every consumer in our country. You have to fight & make several phone calls to get to your free annual credit report or even if you're denied credit. All 3 of these agencies direct you totally to their " pay for sites ''. This is a scam & is directed totally to people of low income or seniors. People with high incomes & other means of income do not rely on these so called credit companies. I also realize my complaint will be tossed & never addressed before I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: TX

Complaint narrative:
I have reported both credit reporting agencies as they are violating the FCRA. I have submitted several disputes with these companies for an item under XXXX XXXX XXXX   reporting on my credit. This account has come back as verified yet both companies have failed to provide substantial evidence that this account is mine per the FCRA. I have asked for methods of verification as E-Oscar is not a reasonable method for verification. I have received nothing to date. I am filing a final complaint along with a letter from this company confirming that they don't even have an account with my name attached. I would like to know how these CRAs are verifying information when the company furnishing the information states the above in a letter I have attached. 

I will be filing a lawsuit against this company for damages and would like this report filed so that it can be submitted as evidence to the courts. 

Along with this previous violation, I would also like to add that per the FCRA, the account has not been noted as disputed by consumer with in 30 days. This is another violation of my rights and I will be seeking damages for the same. I have attached an updated credit report as well as documentation showing the original date of dispute to confirm my claims. 

To be clear, TXXXX has not responded to my recent correspondence of the matter.

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 2020-01-23 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: NJ

Complaint narrative:
FTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts are not mine.

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 2020-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date - several beginning XX/XX/XXXX This collection agency called my ex-wife, daughter and several other family members telling them there was a garnishment action that was ordered and filed and that immediate legal action was going to take place. When I called back the number that this company gave, they said this was a collection from 10 years ago that was not satisfied. When I asked them about further details, they made fun of my XXXX XXXX, said I was XXXX and i should go XXXX XXXX XXXX  my dog. This call happened on XXXX XXXX onXX/XX/XXXX. 
When I called back, they hung up on me. Furthermore, I requested on this day that the contact me no more. 
1 ) This company is representing themselves as a legal arm of the Government with power or as an attorney. 
2 ) on XX/XX/XXXX I registered on the National do not call log - this call should not of happened 3 ) I feel my rights as a XXXX  person was exploited 4 ) This company identified as a representative of H.S.B.C who I could not confirm as legal representative of this company. 
5 ) If what they said was correct, this dept based on conversation with representative, is well past the 7 year window for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: TX

Complaint narrative:
I have contacted all 3 CRAs regarding the associated inquiries. 

In the first attachment, you will find returned letters from creditors that claim to have permissible purpose to obtain a copy of my credit report. I requested verification from all 3 CRAs and all replied saying that the information for all 6 returned inquiries has been verified. I would like to know how they verified information yet continue to report companies on my report with false contact information. Per the FCRA, the credit bureau is not allowed to report anything they know to be false, including addresses. I have sent letters to all CRAs showing verification of the same information and have received no reply or deletion of the false information. 

In the second attachment, you will find copies of all letters sent out to the creditors reporting false inquiries on my credit report claiming to have permissible purpose. I requested the information from the creditors claiming permissible purpose in the form of an application for credit or the like and received no response from any of them. If they do not reply within 30 days of receiving my letter, they are in violation of the FDCPA and FCRA. 

I requested verification from all 3 CRAs via certified mail and all replied saying that the information for all inquiries has been verified. I requested the verification method used as well as contact information for the individuals the CRAs spoke with. I have not received anything to date. The responses I have received from Equifax claim that a specific address from a creditor is not not reporting instead of addressing the direct concern. I believe this is a tactic to avoid addressing the concern. You will find an example of this in the third attachment. 

This complaint is being filed as part of the documentation being presented to the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am receiving multiple phone calls from multiple different phone numbers related to Midland Credit Management. They don't leave a message. They call myself and my wife multiple times on a daily basis. I sent MCM correspondence in XX/XX/2019 letting them know of my situation, yet the repeated calls continue. The last letter I received from MCM was an acknowledgement of receipt dated XX/XX/2019. I would like for the calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Back in XX/XX/2019, I checked my Bank of America checking account. I noticed several fraudulent transactions totaling over {$600.00}. I immediately contacted my bank, they were able to refund the money as an investigation was put in place. Fast forward to XXXX, I received a letter in the mail from Bank of America ... I didnt read it as I thought it was stating that my claim was resolved. Later to find out in XXXX that the money that was refunded to be was taken back. Again I immediately call to see why, Bank of America stated that I made false claims and no fraud had occurred. I demanded for the claim to be reconsidered ( escalated ). The rep said she would put that in for me and for me o contact the merchant meanwhile and submit a written statement. I call the merchant ( XXXX ) they tell me my name, phone number, and email address is not associated with any account and they can not help me for me to contact my bank. I wrote my statement, send it to Bank of America through Fax and tell them what entailed during the conversation with the XXXX rep. They continue to tell me to check back later. Now this was a Friday, theyre closed Saturday-Monday and reopen Tuesday due to XXXX day. I call Tuesday to find out that it might be reconsidered to call back at a later time. Now Wednesday early afternoon, I call again an they tell me they are only refunding me {$160.00} because they came to an agreement with the Merchant. Now I immediately asked them why only {$160.00}? Especially because that {$160.00} charge was made in two transactions. The bank said this is all they can do for me because the investigation didnt come back as fraudulent. I continued to let them know that this doesnt make sense because here was so many charges to my account which all added up to a higher amount and they were only going to refund a portion. The rep said thats all they could do and basically theyre job is done. I asked to speak to a higher up and its the same thing. The supervisor couldnt do anything and for me to basically be happy I got {$160.00} out of over {$500.00} back. No explanation of how those charges made it to my account, no name of the person who did this, and no REAL investigation was done. I refuse to take this as a loss, this was NOT my fault, the bank should have the customers back instead of flipping the story and saying it wasnt fraud. FURTHER REAL investigation needs to be done. The person is still out there getting away with this, and it will continue to happen to innocent people. Hard earned money, gone, and refused to give back.

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 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATHAS CAPITAL GROUP, INC.
State: NY

Complaint narrative:
I used Athas Capital located in XXXX, CA to refinance my property. There was a lot of issues before we even closed which should have been an indicator not to proceed. They sent out a paralegal to my home to do the closing. I was not provided the HUD statement prior to the closing and when I saw the HUD statement along with what my monthly payment would be I contested it due to the escrow being so high, but the paralegal told me I could just sign the papers and question it as documentation wouldn't be submitted for a few days. I sent numerous emails about the escrow and then was told it was too late we closed. This was in mid XX/XX/2019. I have been trying since then to get the escrow figured out. I owed back taxes and money was taken out at the time of closing to pay the back taxes which were never paid. Escrow was taken out of my loan at that time also based on the back taxes for future tax payments and my monthly escrow payment is also based on those back taxes that should have been paid. I have been asking for an escrow analysis since XXXX. I have asked them to contact the assessor to get the updated information. I just keep getting the run around. Now they are telling me I have to make my first payment. If it's not one thing it's another.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The account holder has the same name as me. That's it. This is not my account. There is no account number or address on the report. I do not and never have had an account with XXXX XXXX XXXX with a {$7500.00} limit. I have reached out to TransUnion three times since XXXX. I have not even received a response, much less a resolution. I am attempting to refinance my home and this is dragging down my credit score. 

ENDERTYPEBALANCE XXXX XXXX XXXX 120 DAYS LATE Credit Cards {$8300.00} Status Date Reported XX/XX/XXXX Payment Status 120 Days Late Amount Past Due {$1000.00} Account Details Bureau Name XXXX XXXX XXXX Account Type Flexible spending credit card Responsibility Authorized User Credit Limit {$7500.00} Credit Used 111 % Available Credit {$0.00} Highest Balance {$8300.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$1000.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$280.00} Payment Frequency Not Reported On Time Payments 88 %

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 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
RESPA violation May be for last 10/15rs or so Wells Fargo Bank has refused to provide entire escrow -account bills. I was never consulted about any payments and I have been billed for something thats I have no idea. Multiple complaints has been filed with this office and I still do not have anything about escrow account. Wells Fargo Bank should have authenticated each and every bill received. Each and every payment made. But no it was never done. They refused to provide on many instance I requested. They have refused to provide by form of discovery. They refused to provide even after I issued subpoena. They are cheating me by refusing to provide me entire records.

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 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
My wife and I contacted our lender, PHH Mortgage, about refinancing our mortgage today, XX/XX/20. As part of getting a refinance quote, the lender ran our credit scores. PHH reported to me on our recorded call the my wife 's credit scores were XXXX, XXXX and XXXX. They reported mine was XXXX, XXXX and XXXX. This was used as part of our refinancing quote for eligibility and for terms. We both just checked our credit today after the call. My wife 's XXXXredit score is XXXX in XXXX and XXXX with XXXX. My scores are XXXX and XXXX respectively. We are not going through with the refinancing but want to notify the authorities.

Company response to consumer: Closed with explanation