vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 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: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/2019 a representative from XXXX XXXX XXXX came to my home to sell me solar panels. When we got to the application process, I asked the representative if the credit inquiry was a hard or a soft inquiry. She informed me that the inquiry was a soft inquiry so I allowed her to move forward with the application process. I actually don't recall providing my social security number as part of the process. Upon checking my credit report, I noticed a hard inquiry from Loan Pal on my report. When I inquired with Loan Pal to learn what the inquiry was about, they informed me that it was in relation to XXXX XXXX XXXX. I informed Loan Pal that the inquiry was supposed to be a soft inquiry, not a hard inquiry. Loan Pal investigated and said that because I received services from XXXX XXXX XXXX ( which I did not ) that the inquiry is valid. Regardless of whether I received services or not, the representative lied when she told me that the inquiry was a soft inquiry. For this reason, the inquiry should not be on my credit 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 2019-09-19 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX  and Wells Fargo refuse to remove a negative reporting ( a 30 days late ) payment even though Wells Fargo agreed that the 30 days late payment was because of something that was their error. Wells Fargo notified me of the change of reporting via mail on XX/XX/19 and I forwarded what Wells sent me via their executive office to XXXX. XXXX refuses to do their due diligence and investigate this further and remove it from my account! Please have XXXX remove this from my account ASAP

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 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Good afternoon, My Wife and I refinanced our mortgage back in XX/XX/2019. The loan was payed in full on XX/XX/XXXX. 

Since then we have not yet received the refund of our escrow balance which was held with our prior servicer. The value in full is approx {$5200.00}. 

I have spoken with our prior servicer ( New Rez ), and they informed me that it may take over 60 business days from the loan payoff date before a refund check is issued. 

When looking into the matter myself, I noted that in the CFR 1024.34, service providers are required to refund escrow balances within 20 days of the loan closing. When I informed New Rez of this regulation, they stated that they have their own internal policy and are not aware of the regulation. 

To me this is a direct violation of the CFR as it pertains to servicers and the handling of the escrow refunds. Your assistance with the matter is greatly appreciated. For your convenience I have put the full style of New Rez below. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX XXXX - XXXX XXXX  XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
On XX/XX/2019 I received a letter of a debt I have never heard of from XXXX XXXX  collection for XXXX. I never have in my life had a XXXX account. NEVER NEVER. 

The letter is misleading. This is the first time I have heard of this. I have contacted FTC, there identity thief division, I filed a police report, I have contacted the attorney general regarding this. I have sent a letter to them which they should be getting any day now and I also sent a letter to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Hi, There was an online fraud on my checking account ( opened in Citibank XXXX XXXX, XXXX ) of more than {$130000.00}, where a lot of our money was withdrawn online by someone unknown, without our information, authorization, or confirmation. 

And yesterday we received bank 's investigation results. 

First we need help with this fraud investigation Second, Citibank said they will NOT re-imburse {$69000.00} out of the total of {$130000.00} money that was stolen from our bank account. 

Are these two things, something you'd like to help out with?

Our current residence is XXXX, WA XXXX P.S. - attached are - 1 ) screenshot for all fraud transactions with amount, date and merchants involved.

2 ) Few Merchants and card holders informations whose payments were made with my account please let us know. 
thank 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 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
To : CFBP Subject : BOfA holding funds and late and no funds fees policy. 


I have been a Bank of America customer for ( over 25 years ). The last couple of months I have been dismissed by the Bank when expressing my concerns in their wrong doing. I have my own business and I used BofA for all my bank needs. Apparently they are forcing us to pay XXXX worth of fees by holding our funds for sometimes 5 days. All my accounts are with them and I get paid every two weeks through a payroll company. When processing the deposits the bank withdraw the money at the same time from my business account but holds my funds into my personal account. In the past two months, the bank has put my deposited checks on hold several times with no justification causing me a lot of pains and costing me a lot of money for fees. In efforts to understand the reason behind all of this chaos I contacted customer service and they were not able to explain to me what the reason for these incidents were and continued to put checks on hold for numerous days causing immense consequences for my finances, including return fees from other banks, returned college tuition and returned mortgage payments. 
I have been troubled with this because BofA has been doing this to a lot of my friends disrupting our tied finances even more and I believe this is illegal. Please take a careful look into this and I believe they should stop this fundraising of its own at the cost of poor families like us that works very hard to put our kids into to XXXX and pays the rent or the mortgage. 

I am attaching a copy of my last check that was put on hold by BofA and verify the dates when they compensated the check in my business account and the funds been on hold in my personal account. 

Please feel free to contact me if you need further information. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2019-09-19 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
On XX/XX/2019, I scheduled an online payment to be posted to my account on XX/XX/XXXX. Apparently I was late on my payment for the month of XXXX. XX/XX/XXXX, I get a notification email from my credit motoring service showing I have negative payments on my account, showing that I was 30 days late on my payment for the month of XXXX and 30 days late for XXXX ( my score dropped 41 points ) .Today XX/XX/XXXX I check my auto account to find my payment was re-scheduled for XX/XX/2019. I contacted the bank about this error on my report and they were not willing to correct it. I'm at the end of my loan with 7 payments left and have not missed a payment in the last 2 years.the only thing the bank was concerned with was paying late fees. I believe this was an error due to the banks online system. This error that changed my credit rating in which I had plans to buy a house in the next few months will have a negative effect.

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 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CA

Complaint narrative:
I have been trying to resolve a debt generated by identity theft with debt collector Hunter Warfield. They contacted me XX/XX/XXXX regarding a defaulted rental agreement to the amount of {$1500.00}. This is not by debt and the result of someone forging my name using docusign on the rental agreement. I have spent several frustrating phone calls, written letters stating this wasn't me and was a forgery generated in docusign. I have taken the CFPB 's recommendation and have contacted my local police department to report this identity theft. I have also run a credit report and see that Hunter Warfield ran a credit check on me last year XX/XX/XXXX. The local police dept. recommended Hunter Warfield contact them with the case # if they want to see the report. Hunter Warfield told me over the phone they don't do that and will not close out this debt. This does not sound legit and I am afraid Hunter Warfield is trying to use this fraudulent debt to ruin my credit report if I don't pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
XX/XX/XXXX On the early afternoon of XX/XX/2019, I paid an international wire fee to my local [ XXXX NY ] branch of Community Bank, N.A. of {$45.00}. to send a wire from my bank account to a friends bank account of {$920.00}. ( Im a retired XXXX and I was trying to provide educational help to a friend. ) The bank deducted {$960.00}. from my bank account, which was normal. 

The money was never deposited into my friends bank account. So, the following week I asked the local branch manager, XXXX XXXX, who sent the wire, to have a search done to determine where the transfer was stuck. ( She told me that Community Bank, N.A., uses the New York XXXX XXXX XXXX bank to send international wires. ) She told me the next day that it could take up to 90 days even to do a trace! 

As of today, exactly 28 days after the transfer was initiated, the money has neither been transferred nor returned to my account. Earlier this week I called the number on the banks website and someone named XXXX told me hed look into it. Nothing happened. 

I, therefore, messaged Ms. XXXX to cancel the transaction and return the {$960.00} to my account. Apparently, she requested that, but she also then informed me that it could take 90 days even to do just that! 

I believe that, if one pays for a service in advance, ones money should be returned promptly if that service is not provided. If you agree with me, I hope that youll treat this complaint seriously. 

Someone has been using my nearly {$1000.00} without my permission for the last month and this situation may drag on for months more. ( Meanwhile, my friend, who was counting on the money, is stuck. ) I would like you please to pressure Community Bank into returning my {$960.00} immediately as well as reasonable interest for the use of my money. ( It may not seem to be a lot of money, but Im living on a fixed income and its a lot of money to me. ) Thank you for your attention. 

Cordially,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-09-19 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: CA

Complaint narrative:
On XX/XX/2019 a representative from XXXX XXXX XXXX came to my home to sell me solar panels. When we got to the application process, I asked the representative if the credit inquiry was a hard or a soft inquiry. She informed me that the inquiry was a soft inquiry so I allowed her to move forward with the application process. I actually don't recall providing my social security number as part of the process. Upon checking my credit report, I noticed a hard inquiry from XXXX XXXX on my report. When I inquired with XXXX XXXX to learn what the inquiry was about, they informed me that it was in relation to XXXX XXXX XXXX. I informed XXXX XXXX that the inquiry was supposed to be a soft inquiry, not a hard inquiry. XXXX XXXX   investigated and said that because I received services from XXXX XXXX XXXX ( which I did not ) that the inquiry is valid. Regardless of whether I received services or not, the representative lied when she told me that the inquiry was a soft inquiry. For this reason, the inquiry should not be on my credit 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 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MT

Complaint narrative:
I noticed that my credit score, which was near perfect, had gone down significantly within a short period of time, and found through my credit report, that a collection had been placed in my name on XX/XX/2019, for {$290.00} for an account through XXXX XXXX, that is not related to me whatsoever. I have never had any kind of account with XXXX XXXX. I have tried to contact the debt collection agency, Sequium Asset Solutions on three separate occasions at XXXX ( XXXX XXXX, who is the corporate compliance officer with the company ), to try and get this resolved and removed from my credit report, however, I still have yet to receive a call back from them. They continue to avoid my phone calls and refuse to discuss this dispute with me, while I suffer the impact of a lowered credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: Mortgage Research Center, LLC
State: NC

Complaint narrative:
Veteran 's United Home Loans based out of XXXX, MO pulled my credit report without my authorization. My husband had been working with them on a pre-qualification. I was not involved in any of their previous discussions. 

I did not authorize them to pull my credit report. When I called on XX/XX/XXXX to inquire as to why they did pull my credit several people were conveniently " unavailable '' to talk with me. On XX/XX/XXXX a person named " XXXX '' from the " Production Management Team ''  returned a call to discuss inquiry from XX/XX/XXXX. When I was able to speak with XXXX he informed me that my husband had filled out the online application and had given them permission to work toward a pre-qualification. When I contested his authority and my husband 's authority to grant permission to accessing my financial information his response was, " Your husband is allowed to grant us permission because you are legally married and he has that authority. '' Last time I check, this was not XX/XX/XXXX and I have my own rights independent of my husband and I am the only person who can grant anyone else access to my personal, identifiable information such as social security, HIPPA, etc. This includes access to my credit report. 

Veteran 's United Home Loans infringed upon my personal rights by accessing my financial information without MY express consent. The fact that I am married has no relevance in them not seeking my permission. I was not in contact with them during any point of my husband 's attempt to pre-qualify for a loan.

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 2019-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2019 I received a letter of a debt I have never heard of from Synchrony Bank collection for XXXX. I never have in my life had a XXXX account. NEVER NEVER. 

The letter is misleading. This is the first time I have heard of this. I have contacted FTC, there identity thief division, I filed a police report, I have contacted the attorney general regarding this. I have sent a letter to them which they should be getting any day now and I also sent a letter to Synchrony Bank.

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 2019-09-19 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 explanation
Consumer complaint received 2019-09-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have sent a request to XXXX to get proof on how the account was verified as a valid account and never received the information on how it was verified.I have called XXXX XXXX Which is NCA and left a message with my address on what I was requesting and never received a call back.I sent a certified letter to XXXX onXX/XX/2019 by USPS Tracking XXXX requesting in writing that the account was mine and how it was verified and have not received the information.I got an email stating it was correct but no indication that it would be sent out.I received an email stating it was verified but how?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2019 I discovered XXXX XXXX ; Account number XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company response to consumer: Closed with explanation