vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

1 ) XXXX XXXX XXXX XXXX  2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ) XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the 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.

15 USC 1681c ( a ) ( 5 ) sections states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than convictions of crimes which anti-dates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

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 2023-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Our mortgage was through Wells Fargo ; we had it listed as short sale ; they continued to deny our offers from qualified buyers and told us that we had to pay XXXX for mortgage insurance that we never knew we had since we had more than 20 % down payment on the loan to begin with ; they proceeded with foreclosure and i went to court in XX/XX/2012 and the XXXX declared that the foreclosure had to cease due to Wells Fargo not submitting proper paperwork. I then received a letter stating that the foreclosure would take place on XXXX. I contacted the financial / attorney representing Wells FArgo to tell them that they made a mistake and that the XXXX had ruled the foreclosure as null and void. The XXXX  even specifically asked me if I understood his ruling and then explained that Wells Fargo had to start the whole process over again which I confirmed and also explained on my multiple messages to the XXXX XXXX XXXX On XX/XX/2012, we fed ex the final correspondence to the attorney in XXXX with the house keys again telling them that they were taking our house illegally.

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 2023-02-06 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: NV

Complaint narrative:
I am still unable to access my credit report on your website even after your reply to my complaint via the cfpb and despite my answering and verifying myself on the phone several times with agents. I have done documents through stupid links and i am now worried about the safety of my information and how it is handled. I want access to my report as it is my right. 

please do not just close without resolving the issue or reaching out to me about the issue and fixing it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Note to previous question. I have not tried to solve this problem with Bank of America because I do not have a contact there. 

The problem started with Truist bank not reimbursing my company XXXX XXXX XXXX XXXX XXXX XXXX for fraudulent checks which they accepted drawn on my account. I have already filed a complaint ( # XXXX ) against XXXX bank asking for the return of these funds. Please refer to this complaint for more detailed background on the case. 

XXXX Bank sent me a letter ( copy attached ) which said that the problem needed to be resolved by Bank of America because the checks were cashed at a Bank of America site. 

This complaint is being lodged against Bank of America for recovery of these funds. Since I have never dealt with Bank of America ( only XXXX has ), I do not know who to contact at Bank of America to get action on this case. This is why I am unable to try and resolve the complaint with them first.

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 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC
State: IL

Complaint narrative:
I have an account with eToro USA LLC. I have my cryptocurrency in my eToro account. Recently I changed my cell phone number and now eToro is not allowing me to log in to my eToro account. I have sent several emails to eToro and left several voicemails for eToro to enable me to change my cell phone number but neither my emails have been replied to nor my call has been returned. Please intervene and direct eToro to allow access to my account. My cell phone # is XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo sold my mortgage to XXXX XXXX XXXX XXXX in XXXX. 
Both mortgage companies reported on my credit reports inaccurate financial information both at the same time hindering my credibility for financial worthiness. XXXX XXXX XXXX XXXX has reported a fraudulent trade line account, also a bankruptcy and multiple inaccuracies under my identification. XXXX XXXX XXXX XXXX has made accusations against my mortgage and property. 
XXXX XXXX XXXX XXXX has notified the U.S Bankruptcy court requiring me to be held accountable for the fraudulent transaction and accusations XXXX XXXX XXXX XXXX unjustifiably has reported against me. 
I have XXXX been documented in writings from XXXX XXXX XXXX XXXX that my mortgage account XXXX reinstated and considered new. 
At the same time XXXX XXXX XXXX XXXX placed foreclosures notice in the XXXX XXXX records reporting the date of XX/XX/XXXX and once again XX/XX/XXXX as active foreclosure proceedings. 
I have been mislead and misguided and forced into a bankruptcy that was first reported by XXXX XXXX XXXX XXXX on XX/XX/XXXX, Prior to my knowledge of any bankruptcy or action to file bankruptcy. 
I am requesting a full investigation on the matter.

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 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: CA

Complaint narrative:
My XXXX XXXX XXXX daughter lives in XXXX XXXXXXXX XXXX in XXXX, XXXX and her initial 6 month lease required her to have a co-signer which I acted as. After the first 6 months, my daughter elected to enter a new lease with a new roommate at the same apartment complex which I did not co-sign. Months passed after my daughter signed the new lease when I received an email from a Hunter Warfield, a Debt Collection company in XXXX, XXXX stating that they were attempting to collect on a {$4100.00} debt from my daughter 's lease in XXXX. No information regarding an amount owed to XXXX was ever received by me from XXXX nor the Hunter Warfield at any time prior to receiving this email and no information or details were provided by the debt collector other than the amount owed. 

Both XXXX XXXX XXXX. and the Hunter Warfield have violated a number of debt collections laws including failure to report the debt within a specified time frame and yet XXXX and XXXX refuse to remove the debt from my credit report stating that they verified that the debt information is valid. I also hired a lawyer to send a cease and desist letter to the Hunter Warfield threatening legal action if they did not remove the bad collections report from my credit record and since sending the letter, no action has been taken. 

I believe the XXXX XXXX debt to be completely false I believe that a number of debt collections laws have been violated in the process. I want to report both companies for their failure to follow federal and state debt collections laws and for not removing the collections report from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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:
My name is XXXX XXXX. I have inaccurate information reporting to my consumer report. The data furnishers are not in compliance with FCRA. I am a victim of identity theft and these accounts a fraudulent.

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 2023-02-06 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:
My name is XXXX XXXX. I have inaccurate information reporting to my consumer report. The data furnishers are not in compliance with FCRA. I am a victim of identity theft and these accounts a fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
in XXXX  i was in and out of inpatient and outpatient XXXX XXXX while away my ex-girlfriend and her new boyfriend stole all of my credit cards and maxed them out. they also stole the XXXX  i bought and was living in. i have had no contact with them since i went to treatment. i tried disputing the charges with the banks and collections companies but have been denied each time. all my info was in the XXXX  they stole and my Ex girlfriend was the one to set up my credit card accounts. so she knew all the security information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: MD

Complaint narrative:
Incorrect amount being reported to credit bureaus for vehicle loan repayment.

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 2023-02-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Incorrect amount being reported to credit bureaus for vehicle loan repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: MD

Complaint narrative:
Incorrect amount being reported to credit bureaus for vehicle loan repayment.

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 2023-02-06 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: Lendmark Financial Services
State: NC

Complaint narrative:
On XX/XX/2023 I received a alert from XXXX XXXX stating that there was a remark make on my XXXX account from LendMark services stating that my account was increased by {$200.00} between the months of XXXX 2023 to XX/XX/2023. No missed payments were reported to that credit account. I went to the local branch on XX/XX/ 2023 and spoke with a representative loan specialist about the remark that was made and she looked into my account. She stated that the account on file does not show an increase in amount and the amount that was reported to the credit bureau is significantly more than the amount that I owe. She then went through my payments and stated that I did not have any missed or late payments so I also was not charged any late fees. She stated there wasn't any annual fees added to my account either so she did not see where those charges would come from. The loan specialist suggested to dispute the remark made to my account to XXXX and XXXX. She stated that she will print off my payment history if I needed to submit them to the credit bureaus myself to prove there was not an increase in my balance. My credit was negatively impacted by the remark that was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed I had some transactions that are reporting late on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments with the following accounts : XXXX XXXX  : Account # [ XXXX ], XXXX XXXX : Account # [ XXXX XXXX, XXXX : Account # [ XXXX ], XXXX  XXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : [ Account : 24 ] . Please investigate and provide proof with statements showing that these transactions were late. If proof can't be provided I demand that these payments be updated on time with no late payments reporting at all as they should be as I was NEVER LATE.

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 2023-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
I am writing to dispute my payment made on XX/XX/2023. I paid my full XXXX balance of {$880.00} via autopay on XX/XX/2023. On XX/XX/2023, I paid {$1100.00} towards additional principal via Volunteer Mortgage Loan Servicings ( VMLS ) website. I selected custom payment and put in {$1100.00} beside the additional principal box. I have done this every month for the past XXXX  years. I then got a confirmation email which I will attach copy of to this letter, expressly stating that my payment was applied towards my principal balance. 
However, on the XXXX of XX/XX/2023 my auto payment was not deducted from my bank account. I waited a XXXX  days to see if the system was running behind, but the auto-payment was never taken out. On XX/XX/2023, I spoke with XXXX XXXX, a representative of VMLS, who informed me that the XX/XX/2023 payment of {$1100.00} dollars was applied to my monthly XXXX payment which was due on XX/XX/2023. XXXX XXXX sent me a screenshot of my payment history to confirm that the XX/XX/XXXX payment ( which was dated as XX/XX/XXXX on VMLSs system ) was used for my XXXX monthly payment. I have attached the screen shot he emailed to me. 
By not applying my XX/XX/2023 payment to additional principal, as the website and confirmation email confirmed, XXXX is in violation of Section 5 of the FTC Act ( 15 U.S.C. 41-58, as amended ). Mortgage servicers are required to credit the payment to the account by which it was paid on the day of the received payment. Further, the online payment system and the confirmation email both showed that I had paid additional principal, which makes the {$1100.00} payment not being applied to additional principal is deceptive and fraudulent. This practice is not only unfair, but it subjects the borrower ( myself ) to additional interest payments that would not have been required if that amount had been applied to additional principal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am being auto billed, {$21.00}, for checks I dont need. XXXX, PNC customer service rep, said the checks are shipped before the auto charge is made, so the order cant be canceled and I have to pay. He said I have been on auto ship for the last few years, something I never signed up for. If you check the records you will see I have never had checks auto shipped to me, I have always ordered them online for the free checks and shipping. Plus I still have about XXXX checks from the last manual order, and since I only write a couple/few checks a month, these will last me more than a year. I dont need more checks, I use online bill pay mostly. I received a text in XXXX about the checks and went online to cancel. When I found the section about auto order, the only option was to enroll, so I thought the text was a mistake. Turns out, you have to click on enroll to un-enroll/ cancel auto order. Now I am receiving checks I dont need, and am being charged for something that has always been free in the past. Their website is deceiving that you have to click on enroll to cancel an enrollment. I realize {$20.00} is not much, and for that reason I wasnt going to complain, but then I wondered how many other people are they doing this to. Plus for this charge, I only received a XXXX  of the checks I get when I order the free checks. 
You will see on the attachment what you have to click on to cancel auto bill/ship checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: TX

Complaint narrative:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-06 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:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-06 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: TX

Complaint narrative:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I became aware that I was the victim of identity theft, as a fraudulent credit card was on my credit report ( tied to phone number and addresses that do not belong to me ). I immediately reported this to the police. I then disputed the inaccurate information to all three credit bureaus as well as sent them a copy of the police report ( which they have all received - as I have tracking confirmation ). I then called the creditor ( Chime Stride Bank ) to report the fraudulent account and have them close it. The Chime Stride bank call center just routes me to send information and response request to an email. I have emailed Chime Stride bank the police report of the identity theft twice. I only receive automated responses from them. I then heard from two of the reporting agencies that the creditor keeps reporting the fraudulent account as valid on my credit and therefore the credit bureaus will not remove it from my credit. I have created a report with the Federal Trade Commission and now with the Consumer Financial Protection Bureau as this creditor ( Chime Stride bank ) has been informed that this is a fraudulent account and refuses to report as such on my credit so it can be removed. They are also stonewalling me from being able to elevate it within their organization

Company response to consumer: Closed with explanation