vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Please close ulta card and not charge any occurring fees since I phoned in XX/XX/2022 to close account I'm being charged, account is still active. XXXX XXXX account and any occurring fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion XXXX XXXXXXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX XXXX XXXX XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR 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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX XXXX XXXX XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR 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 explanation
Consumer complaint received 2023-06-07 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: CA

Complaint narrative:
Dear CFPB, This letter is to inform you that I have become a victim of identity theft. There are inquiries on my Equifax credit report which do not belong to me nor are they attached to any open accounts of mine. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to the credit bureau Equifax. 

In addition, I demand the following fraudulent inquiry be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent inquiry be deleted from my credit report immediately. 

- XXXX XX/XX/2023 Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I fell behind in XXXX due to a medical condition. I suffer from XXXX and unfortunately, i wasn't able to work until my condition was under control. I am still XXXX XXXX XXXX care as the situation has gotten worse though the years. I started working with a company that was trying to help me save my home by doing a modification. This started in XXXX durning the pandemic. I was denied and they we tried applying again including my daughters income who lives with me. They denied that modification in XXXX. We then filed an appeal and was still denied. I than decided that was going to sell the property to avoid foreclosure. I started working with a real estate agent to help me sell my home. In the midst of us submitting documents XXXX transferred my loan to Shellpoint. My agent submitted the documents requested. The representative at Shellpoint took weeks to get back to the negotiator as she was requesting updates and for an interior appraisal to be completed. The investor denied doing an interior and i was never provided a denial letter or the reason for denial. The point of contact at Shellpoint refused to provide my representative with the reason for denial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
SURPRISE OVERDRAFT FEES, WRONGFUL FEES AND LARGE MODIFICATION FEES. GOT MY LOAN WAS SUPPOSE TO BE 30 YEAR LOAN AND SOMEHOW WELLS FARGO BOUGHT MY LOAN AND TACKED ON 2 EXTRA YEARS! SO NOW ITS 32 YEARS : (

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 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
They closed my account back in XX/XX/2022 and have still been charging me cash advances fees when Im not taking out cash advances fees. After my account was closed I still tried paying monthly payments but that monthly payments are still getting deducted from cash advance fees when Im not taking cash advances

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
On numerous occasion have contacted this debt collector this is not my debt it was an fraud account in which they are trying to make me pay on. I have submitted proof that this account was open due to fraud and I do not have any knowledge of this account nor is this debt mines. They even sued me for this debt and I even notified them this is a fraud account. They were able to get a default judgment due to me not being aware of the court date. Also, they were found to be caught red handed with illegal debt collection practices and consumer reporting which took place on XXXX2023. They are claiming I owe them in the amount of {$2800.00}. Yet they can not provide me with a true documentation with my signature that states I agreed to this debt or any information in which I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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:
Dear CFPB, This letter is to inform you that I have become a victim of identity theft. There are inquiries on my Experian credit report which do not belong to me nor are they attached to any open accounts of mine. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to the credit bureau Experian. 

In addition, I demand the following fraudulent inquiries be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent inquiries be deleted from my credit report immediately. 

- XXXX XXXX XXXX XX/XX/2023 Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, 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 explanation
Consumer complaint received 2023-06-07 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:
XXXX XXXX  has a XXXX XXXX  account that is closes on my credit. 
XXXX XXXX XXXX has went to collection for XXXX XXXX  also for XXXXXXXX XXXX  XXXX XXXX XXXX has went to collections for XXXXXXXX XXXX XXXXXXXX. XXXX, XXXX has went to collections for XXXX XXXX  XXXX XXXX has been placed on collections for XXXXXXXX XXXX XXXXXXXX XXXX has been placed collections XXXXXXXX XXXX  XXXX is placed in collection XXXXXXXX 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 2023-06-07 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: PA

Complaint narrative:
XXXX XXXX  has a XXXX XXXX account that is closes on my credit. 
XXXX XXXX XXXX has went to collection for XXXXXXXX XXXX also for XXXXXXXX XXXX  XXXX XXXX XXXX has went to collections for XXXXXXXX XXXX XXXXXXXX. XXXX, XXXX has went to collections for XXXX XXXX XXXXXXXX XXXX has been placed on collections for XXXXXXXX XXXX XXXXXXXX XXXX has been placed collections XXXXXXXX XXXX  XXXX is placed in collection XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARC Management Group, LLC
State: NY

Complaint narrative:
Medical debt from a car accident was paid by Insurance company but not recorded properly. Was then transferred to a debt collection agency ( ARC Management Group , LLC ) who was contacted by the insurance company at that time. Almost a year later a credit account with XXXX  was opened in my name for the amount of this bill and is reflected on my credit report. 

How can they use my SSN from my medical records to open an account in my name?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 
On XXXX/2023 and again in XXXX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 
On XX/XX/2023 and again in XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/ 2023 using Bank of Americas mobile banking app I attempted to transfer {$8800.00} from my Bank of America checking account to my Bank of America savings account. When I completed the transaction I immediately realized I made a mistake and sent those funds in the form of an online banking payment to my Bank of America credit card account. 
After I realized my mistake I called Bank of America to reverse that payment and have it returned to my checking account. I was told by an agent that my funds were already in the possession of Bank of Americas credit card department and that I would have to wait until the next business day to call Bank of Americas credit card department. 
On XX/XX/2023 at XXXXXXXX XXXX XXXX I called Bank of Americas credit card department and an agent by the name of XXXX told me that she put through my request to have my funds returned to my checking account. XXXX told me that this could take up to 2 business cycles or 60 days for those funds to be returned to my checking account. I told XXXX that was totally unacceptable to me that I needed those funds returned 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 2023-06-07 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: TX

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
All the credit bureaus have the wrong social security number for me so I am unable to access my credit report and the bank cant even give me a loan because my ssn doesnt match the on the credit bureaus have.

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 2023-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
In XX/XX/XXXX my mortgage was not withdrawn automatically as it had been since coming out of forebearance. I attempted to pay online but the system erroneously stated that I was more than 30 days delinquent and I could not pay online. I called and talked to a representative that helped post the payment and change the payment account to mine from my daughters for autopay starting in XXXX. I did this because my daughter is young and has XXXX XXXX XXXX and I didnt want her to have to worry about this. Thankfully I did because this month they have made this same false claim. This time stating that I was delinquent from the XX/XX/XXXX payment. Considering calling them was ineffective last month I posted the payment under bill pay from my checking account. 
This mortgage company has been harassing me in regards to insurance repairs from the XXXX floods. I had an inspection that passed at 100 % yet they constantly mail me letters stating that I havent completed the inspections. 
They went as far as to contact MSHDA who paid my forebearance and lied to them stating I havent completed the repairs but the MSHDA representative stated they confirmed my inspection passed at 100 %. Additionally, they sent me a letter to sign & notorize indemnifying them should any lawsuits arise in XXXX of XXXX. My daughter & I signed this letter, notorized it and mailed it in. I never received confirmation of their receipt. 
Nevertheless, they continually call me and send letters so I wrote them a letter respectfully requesting they stop harassing me over resolved matters regarding the insurance claim. Not only did they not respond to that letter they are continually harassing me and have now upgraded to lying about my mortgage being delinquent. 
I am a XXXX woman and the stress this has caused in my life is immeasurable. I pay my mortgage every month and passed my inspection at 100 %. 
They should not be allowed to treat people this way. It seems to me they just want to take my house because the value has doubled and they could make more money from repossession and future sale and that despicable!

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