vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called Bank of America ( BoA ) by phone to request information about my account and they informed me that it was blocked since XX/XX/XXXX for a suspicious online access alert. To reactivate I should come to a branch in person to validate my identity. 
On Saturday XX/XX/XXXX, I went to the branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and opened an identity theft claim. 
Someone who impersonated me accessed electronic banking, made wire transfer transactions to XXXX for low amounts, asked for a debit card and made transactions with. They opened new accounts under my name with a USA address. Total loss was {$69000.00} however, BOA denied my claim without an explanation. They said that a letter was mailed out to the address on system. But that is a fraudulent address ; at the time of changing my contact information nobody called me ever to verify that. BOA didnt perform any due diligence to verify if I was the person who asked for the changes.

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 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have already disputed this account, unfortunately prior to a court date, they decided to take money from my bank account well over {$6000.00} on XX/XX/2021, funds that are responsible to support a XXXX of two family members of mine, paying funds back to family members who helped put funeral cause expenses, I just don't know when a debt is written off, still they want to come back after me prior to court date on XX/XX/2021 time XXXX Department 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 2021-05-20 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: TX

Complaint narrative:
HELLO, I SUBMITTED A CFPB REPORT THE OTHER DAY AND WAS TOLD IT WAS INVALID, SO I AM SUBMITTING. I AM DEMANDING THAT THIS BE TAKEN SERIOUSLY, THERE IS INFORMATION ON MY CREDIT REPORT THAT HAS NOTHING TO DO WITH ME AND AM DISSAPOINTED THAT EACH CREDIT BUREAU ISNT HELPING ME AT ALL ... .. 

MY NAME IS XXXX XXXX XXXX ... .AND I AM DEMANDING THAT PURSUANT TO SECTION 605B OF THE FCRA THAT THE INFORMATION ON THE DISPUTE LETTERS AND FTC REPORT BE BLOCKED ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NY

Complaint narrative:
This company has the wrong date of birth reporting fin my file Ive tried calling them to have them change it they refuse Ive sent them my drivers license and even still they have refused to change it they have someone elses Information reporting on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Any person ( Experian ) who is negligent in failing to comply with any requirement imposed under the FCRA with respect to any consumer is liable to that consumer, Experian has failed to take proper care of me the consumer by allowing these corporations to pull my credit report with out my consent. They went as far as adding " an extensive fraud alert '' on my report which doesn't work as you can see by the number of inquires I got recently. 
Experian stated in my last complaint " Please note that Experian does not receive a copy of any applications made to credit grantors '' in other words they have no proof of anything that occurred and still add false and deceptive items on my credit report. 
Any person ( Experian ) who willfully fails to comply with any requirement imposed under the FCRA with respect to any consumer, I have sent in an FTC report stating I did not authorize nor benefit form these inquires in fact they damaged my reputation by making my score drop causing damage to me the natural person/consumer. This was Identity Theft due to me not giving consent. 
Experian stated that the inquires shown on my credit report are FACTUAL records of the companies who have assessed my file I don't understand how Experian can state facts when they were not present for these alleged transactions as they stated themselves. Pursuant to 1681a ( e ) it clearly states such information shall not include specific FACTUAL information on a consumers credit report. At this point we can see that Experian only goes off of here say they can not prove or have any factual information in what took place so them declining my block is a violation.

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 2021-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Initially submitted a complaint with the CFPB due to lack of help from MR Cooper in regards to help a few more months. Company giving me names of people to contact within the company and none returned calls. Im a XXXX veteran awaiting retro payment from the VA in excess of XXXX. Payment should be deposited by end of XXXX. Mr. Cooper has been calling me in excess of twice a day over the past 4 days with no messages left. If these people left a name and number Id call them back and explain the situation. Im finding these calls with no messages kind of harassing, just leave a message and Id call you back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I am a victim of Santander Consumer USA 's poor business practices. I received a loan from them in XXXX of 2012. Account # XXXX. They charged me improper fees and used from a scoring system that I didn't understand. They also made harassing phone calls during the life of my loan and did not execute proper protocol when they repossessed the car. Currently, they are reporting on my credit report as a charge-off, with various errors on each bureaus report. I've disputed this information several times at no resolve. They have violated several laws including, Truth in Lending, FCRA 15 USC 1692 ( g ), and FDCPA. They were deceptive and abusive in collection practices and honestly I should probably be seeking damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a loan with JPMCB HOME LENDING, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB HOME LENDING and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX  and XXXX, and JPMCB HOME LENDING with no successful resolution. XXXX, XXXX and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: TX

Complaint narrative:
As of XX/XX/XXXX last year Transunion credit report showed me with a past due bill which I was not aware of and was able to dispute with the creditor my XXXX XXXX XXXX. 
Before that my credit score was 800+ and for that reason it wen down to XXXX or so. 
I opened a dispute with XXXX  and Transunion credit agencies on XX/XX/XXXX after I got a letter from the creditor that my balance was corrected and my account was cleared of the error. 
In XX/XX/XXXX Transunion confirmed to me that my dispute was approved and the credit issue was corrected. 
in XX/XX/XXXX I applied for a mortgage refinance loan and received a credit report and score from Transunion of 690-720 depending in where and who you ask. 
My credit score with XXXX  showed 800 plus and with XXXX  XXXX so I called Transunion customer service and asked for an explanation, they confirmed to me that my dispute was resolved but that my credit score was right and they refused to correct it and at the same time billed me for reviewing my credit score 24.95 plus taxes for the favor.

I cancelled the monitoring servie that I supposedly signed form and they returned the fee. however my credit score is still showing me with a high risk low credit subject.

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 2021-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY CREDIT SYSTEMS INC
State: MA

Complaint narrative:
I had purchased a XXXX XXXX XXXX from IRA XXXX XXXX in XXXX. AT the time of purchase I enrolled with XXXX XXXX for a program that, through bi-monthly payments would pay of my debt quicker. The loan company was XXXX bank. 
Two weeks ago i received a notice of an outstanding debt owed to XXXX plus dating back to XX/XX/XXXX. I was set up with Autopay for automatic withdrawal bi-monthly. My transaction history shows the following : My first payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
My second payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
On XX/XX/XXXX the debit was reversed. 
On XX/XX/XXXX funds were disperesed to my account for a home refinance, and payoff of `the XXXX XXXX XXXX A few weeks after I received the title for the vehicle. The check for payoff to XXXX was written out and sent to by the closing attorney. As far as I knew, once I was given the title all outstanding debts were paid off. 
I never received any notification from XXXX of a missed payment until XX/XX/XXXX. 
I spoke to the loaner XXXX bank, no issue. After much digging on my part I had a three way call with my Bank XXXX XXXX  and Autopay. During this call it was shown and stated by TD bank that neither myself or XXXX XXXX  had stopped payment. They proved this by pointing out the transaction history would look different. The only conclusion is that XXXX reversed the payment whether purposely or accidently or that there was a glitch somewhere. Had I been notified in the months after of an error, I had sufficient funds to right this. Three years, a year of pandemic, 9 months out of work, a new job making half the wage I made, I am strapped. I am at a loss on how the blame is solely on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was used the cell phone app XXXX  on Saturday XXXX to make specific crypto rate purchases. Each time I attempted to process an order, it either timed out, indicated the rate I was asking for is no longer available, or indicated there was a problem with my card. I made 4 attempts and finally gave up. I confirmed with my Wells Fargo app there were 4 pending charges. I did call Wells Fargo to unlock my card because of the multiple attempts I had locked it.

Later that day I had another opportunity to buy a token at a specific rate but again, it timed out so I was discouraged to make any more purchases. 
Later that evening when I came back home I emailed XXXX about my app account but have yet to get a response back. I have attached that email. At the time I thought there were 4 charges for a specific crypto token. I only wanted to place one order. Informed both bank and crypto.com I did not want 3 of the 4 charges.

The following day, Sunday, I received messages on the cell phone app that all orders ( 5 ) were placed. I did not approve of those order and the rates for one of them was not what I placed originally. I called Wells Fargo to initially dispute all charges but clarified to only dispute one
charge which was over {$5000.00}. Why I am disputing that is because they fraudulently used my card without my approval Sunday. Also, the rate on the token they gave me was higher than what I was originally asking for Saturday.

I then called Wells Fargo and put in a dispute/fraud claim as that charge was not authorized.

They are " investigating '' right now and because it is a large amount, the High Dollar Department is looking into this. They have done their initial investigation and have denied the claim. Claiming Crypto.com received approval from me. On Saturday, yes, that specific moment when I tried to place my order, there was approval. But having the order placed on Sunday, no, that was not my approval. I have called Wells Fargo XXXX to expedite a call back from that department, hopefully, I can get a call within 24 hours but it may be until Monday as they are still investigating.

What they are investigating, I don't know? It's just one charge I need to be turned over because it was not approved by me. I have a feeling they will deny my request again but will wait patiently for a callback.

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 2021-05-20 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
A credit card was fraudulently taken out in my name with JPMCB ( Chase XXXX in XX/XX/XXXX, the perp admitted and was convicted of a lesser charge through a plea agreement. The amount charged on account was approx. {$19000.00}. The perpetrator has been paying restitution. The card issuer fails to admit to the fraud, and has classified the account as a " charge off ''. Which of course negatively affects my credit rating. I have sent Chase copies of the Michigan XXXX XXXX conviction. I am appealing Chase latest decision, which I hope to get overturned. This is pathetic that a bank fails to admit their own shortcoming, and in fact blames the victim. Where is justice?!! 
I have been working on the reclassification since XX/XX/XXXX. 
This is a disgrace what " big banks '' get away with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX XXXX bank and Navy Federal Credit Union gave me credit cards. 
I spent only less 30 % of credit limit to improve my FICO SCORES AND CREDIT SCORES to purchase home as XXXX XXXX VETERAN to support my kids ( I am custodian parent XXXX XXXX XXXX bank and Navy federal credit union did not update on time credit utilization point helps a lot I have FHA XXXX XXXX as the first time home purchaser who is XXXX XXXX XXXX XXXX XXXX bank and navy federal credit union should update credit utilization rate to three credit bureau ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX bank and XXXX XXXX XXXX XXXX gave me credit cards. 
I spent only less 30 % of credit limit to improve my FICO SCORES AND CREDIT SCORES to purchase home as XXXX XXXX VETERAN to support my kids ( I am custodian parent XXXX XXXX XXXX bank and XXXX XXXX XXXX XXXX did not update on time credit utilization point helps a lot I have FHA XXXX XXXX as the first time home purchaser who is XXXX XXXX VETERAN XXXX XXXX bank and XXXX XXXX XXXX XXXX should update credit utilization rate to three credit bureau 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 explanation
Consumer complaint received 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In the past 17 years I have paid ALL of my accounts on time. I have not been contacted by anyone from XXXX XXXX XXXX XXXX XXXX XXXX  via phone or mail regarding this account ever! It just showed up on my report! I have tried to resolve this issue with Transunion with no success. There are multiple people that have experienced the same issue with XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX  XXXX {$900.00} - - - Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021

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 2021-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Equity Advantage Holdings, Inc.
State: MA

Complaint narrative:
I had purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX. AT the time of purchase I enrolled with Autopay Plus for a program that, through bi-monthly payments would pay of my debt quicker. The loan company was XXXX XXXX 
XXXX weeks ago i received a notice of an outstanding debt owed to Autopay plus dating back to XX/XX/XXXX. I was set up with Autopay for automatic withdrawal bi-monthly. My transaction history shows the following : My first payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
My second payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
On XX/XX/XXXX the debit was reversed. 
On XX/XX/XXXX funds were disperesed to my account for a home refinance, and payoff of `the XXXX XXXX XXXX A few weeks after I received the title for the vehicle. The check for payoff to XXXX was written out and sent to by the closing attorney. As far as I knew, once I was given the title all outstanding debts were paid off. 
I never received any notification from XXXX of a missed payment until XX/XX/XXXX. 
I spoke to the loaner XXXX XXXX no issue. After much digging on my part I had a XXXX way call with my Bank XXXX bank and Autopay. During this call it was shown and stated by XXXX XXXX that neither myself or XXXX XXXX had stopped payment. They proved this by pointing out the transaction history would look different. The only conclusion is that Autopay reversed the payment whether purposely or accidently or that there was a glitch somewhere. Had I been notified in the months after of an error, I had sufficient funds to right this. XXXX years, a year of pandemic, XXXX months out of work, a new job making half the wage I made, I am strapped. I am at a loss on how the blame is solely on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The company I work for use XXXX as a service for wages and when I received a wage garnishment XXXX  I have attached documentation ) I was unmindful that I was being sued as I never recieved papers or orders. 
After looking closely to the documents that XXXX  uploaded XXXX see attached ) I noticed they used a pay period to show my income on a pay period that I felt was unusual high. It was this high pay period that was use to collect when in fact I average {$200.00} less. 
My take home for XXXX weeks is an average of {$850.00} and XXXX XXXX of that for wage garnishment of {$210.00} leaving me XXXX to live on for XXXX weeks is unreal.My rent alone is {$1100.00}. 
This particular account has been closed since XXXX and all the sudden shows active open on my credit report with the balance increasing ever week. 
XX/XX/XXXX my credit went down XXXX points XX/XX/XXXX balance increase XX/XX/XXXX balance increased XXXX XXXX balance increased XX/XX/XXXX balance increased XX/XX/XXXX balance increased

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
My dispute is regarding a collection account showing on my credit report from Convergent Outsourcing , Inc in the amount of {$7000.00}, originally from XXXX, which I do not believe I owe. I have disputed this account directly with them and even hired a company to assist me with no result. They were informed that I dispute the debt and that I never received proof that I owed this debt, they were also informed that I will not pay until I received proof that in fact I owed XXXX  {$7000.00}. Still they continue to report this account on my credit reports and this situation have negative impacted my credit and have created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit reports. 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