vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account appeared on my credit report. I contacted the XXXX XXXX XXXX in writing at 30 days, and then again in 60 and 90 days with a response from them stating that they have stopped collection activity. I also contact Experian and forwarded them the letter from the collection agency and they haven't removed them item from my report. 

I sent certified letters to Experian in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and this account is still reporting on my Experian Credit Report. 

The account is 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 explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/XXXX. 2021 my car was vandalized my backpack and wallet holding my driver license, is bank cards, credit cards was stolen! I called both my banks as soon as I saw my cards were missing on XX/XX/2021 it was a Saturday but I called the customer service center for both banks!! 
Even though I told them about my incident, they still slowed the thief to walk in bank not once but multiple times and this person enticed my accounts!! Both my banks!! Its been so long now that I havent had access to my money! Im being treated like Im the thief! They asked me to get a new driver license number and that was so difficult to do but I showed the fraud to dmv and they helped me with new dl! I took my new dl thinking this was all needed and I would get my funds and no! They wont tell mr whats going on they keep me on hold they act like Im bothering them specially XXXX at XXXX branch for XXXX XXXX! And the XXXX lady at bank of the west she has made me cry! The woman had no right telling me if Im sure it wasnt me!!! The nerve!! Of course it was not me!! Its not my fault ur tellers are guck g away {$2000.00} then {$2800.00} at bot west!! Only with a driver license the one they stole from me! Its been months now I have no money my car is going to be repo and Im about to get eviction!! I havent been able to pay my rent Im scared! I need help they need to return my money I have no idea whats the hold up dont they have cameras??? Its clear its not me!! I filed police reports!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: SC

Complaint narrative:
Mortgage Company : BSI Financial Services XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Main line XXXX Ext. XXXX Fax XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX Office Hours XXXX XXXX XXXX XXXX XXXX  ( Central ) Loan Type : FHA After missing 2 mortgage payments due to a reduction in my hours at work back in XX/XX/XXXX related to the pandemic, I reached to my BSI Financial Services to request a mortgage loan assistance in the form of Loan Modification. 
I was then contacted via phone on XX/XX/XXXX by XXXXXXXX XXXX  XXXX, who presented me with 3 different Covid-19 Waterfall Options that would modify my FHA loan interest rate and balance. I was then sent a follow-up email on XX/XX/XXXX at XXXX est. pm that detailed our phone conversation and told to select the Covid-19 waterfall option of my choice. I made my choice via email as instructed and sent the responding email with the necessary requested information on XX/XX/XXXX, at XXXX XXXX est. I then followed up with an email on XX/XX/XXXX XXXX XXXX est. to confirm the receipt of my previous emails to XXXX XXXX. 
She responded XX/XX/XXXX XXXX  XXXX  " Hi Yes received document. Thanks ''. 
Additionally, I sent emails on XX/XX/XXXX and XXXX after no communication asking for advisement on the next steps in the process to set expectations. I was sent an email on XX/XX/XXXX and XX/XX/XXXX that the department was behind and working on getting the necessary paperwork out to me with no set date. 
I have continued to email the original loan officer monthly for an update and have not heard anything and as a result I have called BSI Financial Services monthly since XX/XX/XXXX to express my concern involving the lack of follow- up via phone call, mail or email during this process. 
To date I am unable to utilize the online payment system because the account has been XXXX. I have resorted to calling in to make payments and have yet to receive any of the aforementioned assistance discussed over 4 months ago. 
I am deeply concerned about this company, their practices, failure to communicate and provide assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reached out to the 3 credit bureaus regarding an account with portfolio recovery that I reached an a agreement on with the collection agency to settle an account it was paid in full and in the conditions of the agreement they reached to the 3 credit reporting agencies XXXX, XXXX, Experian requesting that this account be removed. I disputed the account with credited bureaus asking them to properly investigate and remove this account since it is settled and the company agreed to remove it the credit bureaus did not conduct a proper investigation on the account. The credit bureaus continue to willing fully violate my consumer rights under the FCRA 611 ( a ) ( 5 ) ( i ).

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 2022-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial
State: VA

Complaint narrative:
On or around XX/XX/XXXX, while I was at my home in XXXX, XXXX  ( my husband and I have dual residency between XXXX XXXX XXXX ), someone opened an account using my name, social security #, date of birth and XXXX address of XXXX XXXX XXXX, XXXX XXXX XXXX The phone number used to open this account, however, is not my phone number. Their number is XXXX and my current phone number is XXXX. 

As a side note, I hold my driver 's license in the State of XXXX address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have no information on what form of identification this person used. 

In noting the name used to open this account ... my name is spelled incorrectly. My legal name is XXXX XXXX and the account is recorded as XXXX XXXX. 

The purchase was expensed at XXXX XXXX in XXXX, XXXX  for an amount of {$8000.00}. The credit was processed through the XXXX XXXX XXXX  and serviced by Koalafi whose address is po box XXXX, XXXX XXXXXXXX XXXX  XXXX. 

I contacted Koalafi at XXXX today, Monday XX/XX/XXXX. This identity theft just come to light yesterday because I spent the past 3 months at our home in XXXXXXXX XXXX Upon going through 3 month 's of mail, I found statements and correspondence from Koalafi concerning this account 's deliquency status. Account number is recorded as XXXX. 

Koalafi indicated they attempted calls to this phone number since XX/XX/XXXX, and has been unable to speak to anyone. All calls go to voicemail. 

I have filed a dispute with XXXX via XXXX. I have also filed a report with my local police department here in XXXX XXXX, XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I used XXXX via Truist Bank with my business account on Saturday XX/XX/2022 to send {$170.00} to XXXX XXXX. More than 24 hours later, the transaction is still pending. I called Truist customer service twice on XX/XX/2022 at XXXX and again at XXXX. Both agents could not adequately and accurately verify my account. I requested a supervisor and the first agent XXXX said her supervisor refused to take the call as she didn't see it necessary. I asked for the supervisors name and XXXX stated the supervisor forbade her from releasing her name to me on a recorded call. I hung up and called back and got someone by the name of XXXX. I requested a supervisor and she too, stated, the supervisor refused to take the call unless i verified the account. However XXXX unsuccessfully verified the account and i no longer wanted to speak with her. I requested the supervisor again and she hung up the line.

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 2022-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: TRUEBILL, INC
State: FL

Complaint narrative:
I download the TrueBill app, and deactivated my account after 2 days. Since then they have taken money out of my personal checking account numerous times adding up to over {$500.00} in charges. I shouldn't have been charged anything, and if anything it should have been a one time small fee ( Under {$7.00} ). There isn't a customer service line. I've tried live chat, with no reply. I've tried social media and activating live chat on social media with no response. I've tried emailing, no response. I'm not sure what else there is left to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24 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: FL

Complaint narrative:
Equifax- The account is XXXX XXXX this account shows that I am an additional on a flexible spending account- I have never ever had an account with XXXX XXXX- i he disputed this as fraud- requested ho was this validated, who they spoke to and the method of validation. per the Fair Credit Reporting Act 15 USC 1681 section 610 ( B ) indicates that I have the right to request this information and it to be disclosed. I have never ever received this info- XXXX XXXX does not have it and they have advised me that it is fraud and should be removed, they even provided a fraud case # n their end as a referenced since ir has been deemed fraud? CSE # XXXX so how was this verified? who did you speak to? what method was used for verification? 

This is the same issue with XXXX XXXX XXXX. I have never had an account- hey indicated it was fraud. 

the other bureaus have indicted fraud and removed so how can you validate this debt? what was used? if everyone uses the same information how did you validate and to keep it on my report? Equifax is breaking the consumer laws and the CFPB i allowing it. they are not reporting accurately/. 


please Remive- XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX and send me an updated copy if my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
I sent {$350.00} to my brother in XXXX on XX/XX/2021 using MoneyGram. He tried to pick up the money in XXXX XXXX and selected e-transfer option but value has not been given to date. We have both complained severally and MoneyGram has not been able to resolve the issue. We were told they are still investigating the issue with their e-transfer partner. The burden of the internal process has been placed on the customer which is ridiculous. The transfer was to settle a time sensitive transaction and I have lost money because of this. The case number for my complaint with MoneyGram is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my 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 2022-01-24 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my 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 2022-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-24 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: NY

Complaint narrative:
I have reviewed my consumer report and find that there is a late payment being reported. Due to the law stating the exclusions to a consumer report, transactions and experiences between the consumer and the person making the report should not be furnished this should not be reporting in such a manner.

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 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i was defrauded through my checking account and the use of XXXX through the chase platforn< i thought i had protection from the institution but they said i was scamed not defrauded.. there fore they put the money back in my account and then reversed that trasaction. im a XXXX  citizen and i think there industry is disingunuos about scam vs fraud..i believe if that was the case and they were upfront about it people wouldnot deposit money into their checking accounts ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021 I received a text message from what claimed to be Wells Fargo asking if I authorized a XXXX transfer. I replied no. Then a few minutes later I received a call from what was the exact Wells Fargo customer service number. I spoke with someone who claimed to be a banker and he stated that someone was taking XXXX in XXXX and that to stop it I needed to XXXX money to myself. I added my phone number and name as a receipient after verifying again that it was the Wells Fargo phone number on the website. I then completed the transfer after the banker told me that this was the only way to stop the theft. They hung up on me as soon as the money left my account and I realized I had been scammed. I called Wells Fargo right away to report it and since then they have claimed they have no obligation to help me regain my funds. I have escalated the case 4 times and have been denied every time because they claim even though it was coerced I authorized the transfer.

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 2022-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: MN

Complaint narrative:
We opened a teen account with Finco Services , Inc. d/b/a Current that has an annual fee. That account was no longer desired, and we attempted to close it. When we opened the account, the parental funding source was verified. During the time we had the account our bank was purchased and/or merged with another bank. My funding sources with Current then accordingly needed to be updated. Current now claims it is unable to verify my bank account as a funding source and is unable to close our account until funds have been withdrawn. Yet Current provides no opportunity or option to easily withdraw my funds. 

I have chatted with multiple representatives, and all of them have been unable to assist. They all just tell me the easiest way to withdraw money is through my ACH XXXX XXXX, but they do not recognize that their platform is unable to verify my funding source. The effect of this is that my money is being held hostage by Current. I spent all morning on XX/XX/22 with several representatives. The first one explained that a record of the chat would be stored so that I would not have to start from the beginning with a new rep. The second rep advised that no records of chats are stored. I finally had a representative allegedly agree to process a paper check, but I will not be receiving a check for at least 14 days, and I do not have faith that I will receive that money. The total os {$490.00} of my child 's money. A review of this website and Current 's social media websites reflects that a number of people have the same complaint about the difficulty of closing an account with them and retrieving money out of accounts. 

I also advised them that I have attempted on multiple occasions to close the account to stop being charged the annual teen account fee, and yet I have been charged that fee repeatedly without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: EQUIFAX, INC.
State: IN

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Lending Services LLC
State: IN

Complaint narrative:
The morning of XX/XX/2022 Global Lending Services behest XXXX XXXX  and XXXX XXXX, to repossess/steal my property my automobile from in front of my place of abode. 
Pursuant to 15 USC 1692f ( 6 ) ( A ) ( B ) ( C ) Unfair Practices. Global Lending Services used unfair and unconscionable acts to have my vehicle repossessed. This towing company is an uninterested party who was not there during a private consumer credit transaction! 

I XXXX XXXX, original creditor, and natural living breathing person have sent Global Lending Services 3 Affidavits, 3 cease and desist letters, along with a debt validation letter. Global Lending Services did not rebutt neither of the three affidavits I sent, Global Lending Services honored half of my cease and desist stating they would stop calling but I would still have to pay this alleged debt, violation pursuant to 15 USC 1692b ( 2 ). When I the natural person requested for debt validation Global Lending Services sent me statement history pursuant to 15 USC 1692g the 5 items required by Congress for a debt collector to send does not mention a payment history. Global Lending Services failed to produce these documents they are not liable. 

I do not have a contract with Global Lending Services neither with the towing company Global Lending Services sent to my place of abode to steal my property without my knowledge or consent. I did not personally give Global Lending Services nor the XXXX XXXX sent by Global Lending Services my personal information which is a violation of my privacy from both companies pursuant to 15 USC 1692 ( a ) Abusive Practices as well as 15 USC 1681 ( a ) ( 2 ) I have denied these alleged obligations of this debt to both elaborate mechanisms and will be holding both companies accountable for causing such emotional distress to not only myself but as well as my family. The automobile was the only means of transportation for family purposes, doctor appointments, school, and other household purposes we have missed due to these illegal actions. This illegal act has caused XXXX, trouble sleeping, embarrassment, Ive also lost confidence is the banking system. 

I am holding Global Lending Services accountable for violating my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I was on a promotional period with Synchrony bank that ended in XX/XX/2021. In XXXX of 2021 I was offered an assistance program to extend the no interest for 60 months and have a set payment of {$90.00}. Synchrony has now added the interest to my account even though I am on the assistance plan extending the 0 % interest. They have refused to help with with resolving the issue even though they acknowledge I am on an assistance plan. They will waive the interest if I pay the promotional balance off today.

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