vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Flagstar Bank Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX -no escrows -charging {$200.00} for forced placed insurance for a XXXX  day lapse in coverage, didnt send an application, invoice or policy -limited markets for mortgages w/ 100 % increases in premiums -the land is worth XXXX, the building is XXXX, insured for XXXX, the loan is also protected by the land w/out coverage - they are taking advantage of florida residents w/ no disclosure, forced place insurance is arbitrary and Flagstar needs to stop this illegal activity

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 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was a victim of identity theft. Bank of America opened a checking account in my name, that someone else initiated and linked it to my active credit card. This account used a fraudulent wire transfer to send the initial deposit and added their contact information to my online banking and alerts. Upon discovering this I contacted BOA to report identity theft. They said they froze the account while it was under investigation, but when I followed up a couple months later, after receiving another checking account statement they said the theft was filed incorrectly and they said they refiled. 7 months later ( and many similar conversations ) and the account is still open, still linked to my real credit card account, and I can not get them to close it or take the email address that is not mine off of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
Cedars business services called me on XX/XX/XXXX and is saying theyre a debt collector trying to collect a debt from XX/XX/XXXX When I was in Italy XXXX Stating it is a traffic violation and the amount due is about {$260.00} ( I can not remember the exact amount that they stated ) I paid my ticket which was less than {$50.00} back in XXXX which I have proof from my bank account The man kept insisting I pay {$67.00} for start and then I said No Ive already paid this and I will double check my statement. 
He was persistent to get money from me and said ok how about you just pay {$50.00} now I again said no He said he sent the info to my email address and the email address he mentioned ( Ive never had ) and then he asked for my phone number. Thats when I knew it was a scam. He called me! 
I said you called me, you have my phone number The phone call ended and then I received a call today with a voicemail to call back on XX/XX/XXXX This is a complete scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-02 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: LA

Complaint narrative:
This inquiry does not belong to me and appears to be fraudulent. I have no knowledge of these inquiries and request that you take immediate action to address this issue. I have attached relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was one of the customers of Wells Fargo who was denied a XXXX modification. I have not received anything from Wells Fargo. Because I lost my home it would probably be hard for anyone to reach me. Actually, I should have been one of the first people WF reached out to because I fought hard and long to get them to correct my account with excessive fees, etc.

Immediately after my husband died, I found out that Wells Fargo messed up my loan by creating an escrow account claiming I owed money for my taxes which had been paid. Also, when I carefully audited my account I found they had added a bunch of unnecessary fees. Wells Fargo double paid the taxes on my home. I contacted each taxing authority to sort things out and get proof, which I sent to Wells Fargo. Even after Wells Fargo received the proof and each taxing authority REIMBURSED them, WF still did not remove or correct the error on my account.

Later I applied for a HAMP modification which I was MORE than qualified/eligible to receive and was turned down more than nine ( 9 ) times. I worked with the people that were setup to help with modifications, I even paid people to modify my loan and each time I was denied. No one could understand why I wasn't getting approved. My attorney spoke with WF attorneys and WF 's attorney 's didn't understand why I wasn't being approved. Due to my persistence, at one point my account was handled by executive offices and even WF 's employees could not understand why I wasn't being approved. My home ended up in foreclosure several times and I even filed a lawsuit against Well Fargo and all their servicing companies. I wrote to Washington begging for help! After fighting to keep my home for years, I lost it in XXXX  and became XXXX. I was separated from my XXXX  and basically lived on the streets with my XXXX little dogs. By the grace of XXXX my XXXX  was able to stay with some friends of his until he graduated high school and went to college in XXXX XXXX 

I still have all of my documentation where I filed lawsuits against Wells Fargo and if you google me on line, you can find copies of it. I eventually had to give up the fight because I couldn't afford counsel, didn't have the knowledge or expertise to fight against WF 's team of lawyers and lost my home where I didn't have access to computers, printers or anything else needed to fight. The shocking and amazing part of my story is that I was able to help XXXX people to modify their loans and get approved for a XXXX modification... ..but couldn't get mine approved. The people I helped were in a worse situation than I was ... .but, they still got approved.

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 2023-05-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I received a letter in the mail where my credit was checked and trans union reported my credit score on XXXX XXXX as XXXX and everything I have access to my score is XXXX. I have been working hard to fix my credit since becoming XXXX and the letter i received said if I had a problem that I needed to contact trans union so I called on XXXX XXXX and the first time I spoke with a lady she said it was XXXX range she would connect me to higher up I waited 42 mins to be hung up on!!! Called back spoke with XXXX he said my score was in XXXX range I asked why they reported XXXX thats over XXXX point difference!!!! He told me he could not check last months score?? We are two days into a new month and my score of XXXX was the whole month of XXXX!!! I asked to speak to his supervisor he put me on hold held for 20 mins. To be hung up on again!! So I contacted XXXX with CFPB to file a complaint. Because I was up set how can a company have so much control over someones livelihood!!! When they cant tell you what your credit score from month to month!! And have a problem and not do everything to help you resolve it? Its like you set use up to fail!!! And when someone is working hard to correct I have an XXXX XXXX XXXX mother and I have medical issues and WE NEED A CAR!!!!! I understand its my problem but help those that are trying to help themselves!!!! AND I WANT TO KNOW HOW THIS HAPPENED???

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 2023-05-02 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
For MONTHS now I have tried to chat in and call in with XXXX and Equifax. Explaining to numerous customer support agents that I have no trouble logging in but I can not access any of their websites services. Meaning, I can not look at a current credit report or my credit score or dispute any new credit companies or debt collectors. I am a victim of the Equifax breach, XXXX breach, and the XXXX breach. I need to be able to look at my credit report and keep an eye on things as I have had my identity compromised by these issues. Yet both XXXX and Equifax keep telling me they've " escalated the issue and will get it fixed '' They NEVER do. I keep getting notifications of new credit added to my credit report but there's a fraud alert and freeze placed on all three bureaus. So, I am trying to figure out how this is happening!! I can not get access! XXXX and Equifax could be allowing fraudulent accounts onto my credit and I can't do anything to verify it because of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: LA

Complaint narrative:
This inquiry does not belong to me and appears to be fraudulent. I have no knowledge of these inquiries and request that you take immediate action to address this issue. I have attached relevant documents for your review.

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 2023-05-02 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: CBC Companies, Inc.
State: MN

Complaint narrative:
I want Innovis to mail me a full and complete copy of my Innovis Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
They have called repeatedly.3 or more times a day every 6 days of the week. They also email me multiple times a week. I forgot to pay it and when I saw that they called the first time it reminded me. I was at work so I was going to do it when I got off ... .then they called multiple more times that day before I got off and now I just haven't paid because they are irritating me while at work.

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 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: WY

Complaint narrative:
Was solicited by I.C. Systems, inc. AKA XXXX XXXX, an apherently legit collection agency about collection on {$6300.00} owed by a company known as XXXX XXXX XXXX, or XXXX that is addressed to a condemned restaurant building in my home town and shows my home address as well. I did not start, or own any said company at all and i am not responsible for this dept. The Wyoming Sec. of state shows no entity registered either. 
My credit shows zero lates, charge back etc. and is, has been, and always will be perfect. Credit freezing measures are now in place. This is a case of ID fraud and I request I.C. Systems, Inc. provide any and all documents to support legitimacy of dept alleged for collection, Articles of organization or incorporation of said fraudulent business and any and all E signatures, paper signatures, etc. with my name on them to validate their claim. 
I also want to know the identity of the people who started this fraudulent business under my name and identity to counter sue to the fullest extent of the law, including said collection agency if deemed necessary. ( SEE ATTACHED DOCUMENTS )

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 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Genesys National Recovery, Inc.
State: MI

Complaint narrative:
Genesys-XXXX XXXXXXXX XXXX for XXXX calls multiple times per day ( up to nine times ) and sometimes less than five minutes apart. They call seven date per week and from fake numbers with many different area codes.I have a debt management plan thorough XXXX XXXX XXXX and they have been paying this debt since XXXX of XXXX  and the payments have all posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I called several times and spoke to several different representatives all of which confirmed that nowhere on the application was an administration fee which is what the {$150.00} debt they claim I owe which I do not. When I asked for proof of debt they sent a generic receipt. The only fee I was responsible for was a {$50.00} application fee as listed in lease application which was paid and I was denied apartment so I never moved in. The last 3 times I called I asked for a cease and desist and I still continued to get emails. The last call the representative said all he could do was put in a refusal to pay but said my credit will still be damaged because they are reporting. When I said its only on 2 of my reports he said are you sure?? Because we are reporting and its on your credit. All of their calls are recorded so these calls can be reviewed as well as records from me calling numerous times over the past few years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/23 my wife and I were trying to make a XXXX XXXX XXXX XXXX purchase for prescription medication using our Chase debit card. If this purchase wasn't made, we would have to go to the XXXX XXXX. I called Chase at XXXX and spoke with XXXX. We were being declined because our daily limit was {$5000.00} and the purchase was for {$5300.00}. We had over {$7000.00} in the account at the time. XXXX de-activated the card we were trying to use and refused to help us raise the daily limit. She told us that there was nothing she could do to assist. 

I filed a complain with Chase but have not received a response. Chase 's complaint tracking number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is a 3rd party lender for a bootcamp that I attended. I advised the bootcamp that I believed it was a scam and did not move forward to completion with the externship. I was not supposed to be charged for this course unless I fully completed and they found me employment which then did not. I requested the school and the third party lender, XXXX remove this and they have not. It is negatively affecting my credit score. 

I requested that this be investigated by mail on XX/XX/2023 and again via email and phone on XX/XX/2023

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 2023-05-02 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: GA

Complaint narrative:
XXXX XXXX XXXX FRAUDULEND ACCOUNT. EQUIFAX WAS NOTIFIED ON XX/XX/2022 THAT ACCOUNT DELETED FROM XXXX FOR FRAUD. SINCE THEN I HAVE REPORTED THIS ACCOUNT AS FRAUD/IDENTY THEFT ONCE A MONTH. THIS ACCOUNT IS REPORTING AS ORIGINAL CREDITOR, LATE/COLLECTIONS/INSTALLMENT/SOLD/TRANSFERRED AND PAID. NOW SHOWING A XXXX BALANCE NEGATIVE ACCOUNT WITH {$450.00} PAID ON A {$5800.00} STUDENT LOAN. I HAVE PROVIDED ID THEFT REPORTS FROM FTC POLICE REPORTS, ORIGINAL CONTRACT, PROOF OF REVERSAL OF PAYMENTD FROM BANK AS FRAUD, ID, SS #, PROOF OF RESIDENCE, FRADLENT PAYMENT HISTORY FROM XXXX XXXX STATING XXXX DOLLARS IN PAYMENTS, ORIGINAL CREDITOR IS XXXX XXXXXXXX XXXX  WHICH HAS BEEN PROVIDED TO EQIFAX. LAST CONVERSATION I WAS TOLD I NEED TO PROVIDE BACK OF DRIVERS LICENSE AND AN ATTY LETTER. THIS FINANCE COMPANY IS USING EQUIFAX TO EXTORT FUNDS I DO NOT OWE TO RUIN MY CREDIT AND EQUIFAX VERIFIED INCORRECT AND FRAUD XXXX XXXX TO REMOVE UNLESS XXXX XXXX TELLS THEM TO. 
EQIFAX REFUSED TO DO AN INVESTIGATION AND REFUSAL TO ACCEPT ID THEFT REPORT WITHOUT NOTIFICATION OR EXPLAINATION. ID THEFT DISPUTE SUBMITTED 7 TIMES WITH ALL REQUIRED DOCUMENTATION AND REPORTS. EQUIFAX STATES MONTH AFTER MONTH THEY ARE FAKE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
This regarding to XXXX bank. This credit card company has withdrawn money from my checking account with out my authorization. This happened already twice and they are trying to blame me that I made that transaction. They are an scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX, I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED MY INITIAL DISPUTE WELL OVER 30 DAYS AGO. PLEASE REMOVE THIS FRAUDULENT INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS. 

FRAUDULENT ADDRESSES : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account XXXX : XXXX XXXX XXXX Account Number : XXXX, Account Name XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, FRAUDULENT NAMES 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, FRAUDULENT PHONE NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT CURRENT OR FORMER EMPLOYER ( 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 non-monetary relief
Consumer complaint received 2023-05-02 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In accordance of the fair creditor reporting act this creditor has violated my rights under 15 usc 1681 sec 6 02 states i have a right to privacy. 15 usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 166b a creditor may not treat a payment on a credit card a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation