vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FISERV FINXACT CORE
State: NH

Complaint narrative:
Money Network is refusing to refund my account from unauthorized withdrawals from foreign countries. My account was hacked and I had numerous withdrawals from unknown sources with Internet addresses and out of country locations. I have never left the country nor do I use my personal account for online purchases anymore after I had an issues the first time " that I had to resolve on my own ''. I'm missing {$250.00} from the last incident from unauthorized withdrawals from XXXX, XXXX, and XXXX... In their paperwork along with the acknowledged dispute form, it states that if I didn't respond or send the dispute form back, they would resolve the issue with the information they had, which was everything they needed and nothing extra. However they denied it because I misplaced the forms and eventually found them again. I filled out my name and a yes or no question and sent it back as an appeal. Now they say they deny it due to recent similar transactions which is not accurate at all. I have attached everything imaginable for proof. Another issue is when make a payment to XXXX XXXX for credit card payments, it is instantly deducted from my checking account, but XXXX XXXX has sent me numerous returns on payments due to insufficient funds that NEVER went back into my bank account with Money Network " XXXX XXXX ''. I believe this company is stealing from its consumers and feel they should be thoroughly investigated and the consumers should be refunded for all unaccounted money misplacement and theft. I will never use this company again and never recommend anyone to use it either, they are absolutely horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX XXXXXXXX my phone XXXX I have complained please I been with Bank of America 13 years I have business and credit it card and I have personal account also, Im a gold member with Bank Of America, Police report is : XXXX Officer : XXXX badge number # XXXX XXXX police department has been notified My story is please take my situations seriously On XX/XX/2023 at XXXX its was Friday I got notified from my Bank of America app notification if I have authorised this amount? I said no. after short time Bank of America phone number calling me XXXX at the Same phone number on my back of my card asked me your account has been restricted I logged in my account just making sure if he is correct but he was right I saw my account is restricted also he knows about my transactions I made at this week he made me to trusted him because he told me everything about my account also he restricted my account I and asked me for code I been told I have a fraud XXXX and he is going to help me to get a refund it back and asked me dont login due to the investigation and I did not login until Monday where I fount out there is a fraud after he asked me about wire transfers where I got hit Sunday as well XXXX with multiple transactions XXXX I notified Bank of America immediately and I told them what is going on where they told me he is not Bank Of America agent it is a fraud I filled claim for multiple transactions of total amount {$9900.00} Bank of America customer service they are not helpful at all each agent filled the claim different way they trying their best to blame me for it where customer service phone number called me and how he get to my Bank of America app it should secure system and help me to get my money back probably hes the agent working with you guys I dont know I need help to get my money back and solve my problem please, I need to know before further action I talked to my lawyer i am going to take Bank of America to federal court and I will share my story and every single of Benk of America website honestly but I been patient I need to know whats going to happen first all what I need to solve a problem and take my situation seriously please because the fraud department they are unprofessional and not helpful at all probably he is working with Bank of America agent I dont know the scammer he does know everything about my account Police report has been notified Claim number is XXXX Bank of America

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I wanted to know if you have received all my letters since the month of XXXX because it seems that Im not getting any response nor resolutions from here. Ive been patiently sending you letters. I spent a lot of time, effort, money and energy explaining to you guys my complaints, inquiries and disputes. I never missed to inform you how these inaccuracies affect my scores and my name. I needed resolution and I need your assistance to help me reach out to these Consumer Reporting Agencies.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I wanted to know if you have received all my letters since the month of XXXX because it seems that Im not getting any response nor resolutions from here. Ive been patiently sending you letters. I spent a lot of time, effort, money and energy explaining to you guys my complaints, inquiries and disputes. I never missed to inform you how these inaccuracies affect my scores and my name. I needed resolution and I need your assistance to help me reach out to these Consumer Reporting Agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Re-opening CFPB case XXXX which is tied to Wells Fargo case XXXX. 

On XX/XX/23, I filed a claim with Wells Fargo to dispute fraudulent transactions from XXXX, XXXX. There were 9 transactions in total and the full amount on the claim was {$4400.00}. These transactions appear to have been made on XX/XX/23 and XX/XX/23. The claim closed XX/XX/23 and sided with the businesses. I called the claims department to ask what these transactions were and how they validated they were appropriately authorized. Wells Fargo deemed that these transactions were authorized by stating that, " the card was present and the chip was used. '' Additionally, I was never contacted by Wells Fargo during this investigation period to provide additional evidence or assistance in the claim review process. Transactions : XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$860.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$530.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$200.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$730.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$730.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$420.00} If these claims were authorized by my card then Id like to file this claim as fraudulent charges/transactions rather than unknown transactions. A card being present and chip used is not a sufficient conclusion to a fraudulent transaction as a card can be held by someone else, such as bartender holding on to a card for a tab, for example.

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 2023-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Southern Auto Finance Co
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX CFO SAFCO, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from SOUTHERN AUTO FINANCE CORPORATION. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of receipt of this notice, as well as the associated chose in action insurance policy/ices. I am also requesting the governing Trust instrument.

Thank you for your prompt consideration and understanding of the agreement in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Milestone Parrish LLC
State: IL

Complaint narrative:
Received letter from debt collector. Did not know for what. They helped me through the steps, after I called reporting to them that this is something I did not owe. At the time I still did not know what it was for. The amount was {$2300.00} I then disputed it to them and mailed it back. 
And then I filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have Numerous companies reporting that I have Authorized them to review my credit report and I have Not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Access Receivables of NC Inc.
State: IL

Complaint narrative:
Received letter from debt collector. Did not know for what. They helped me through the steps, after I called reporting to them that this is something I did not owe. At the time I still did not know what it was for. The amount was {$2300.00} I then disputed it to them and mailed it back. 
And then I filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX Principles ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/2023, I got a message from chime that my account is permanently suspended, that it will take 14 days to settle remaining funds in the account and that within 30 days, I will receive closure check. They ask me to confirm, mailing address, which I did but afterwards, they sent another message that I'm not eligible for refund, without any reason, it's over 30 days now and I can't access my money and I'm in debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
On XX/XX/ we deposited a check from our insurance company for a recent claim we made on our roof for the amount of {$10000.00}. The check was issued to my husband, me, and our mortgage company Mr.Cooper. 

We deposited the check not knowing that the mortgage company needed to endorse the check. The bank took the check, did not tell us that the check was not properly endorsed, and a hold was placed on the check for 24 hours. The following day, my husband received an email that the hold on the check was released and the funds were deposited in our account. Upon review, the funds were in the account but a hold was on the entire account for the amount of the check XXXX XXXX  ). My husband then went to the bank and was informed that the hold was there because the check wasn't endorsed correctly. We were told to send a Check Endorsement Release form to the mortgage company. After faxing that over to them, we have not had any progress. It is almost 2 months into the matter and the bank and mortgage company are going back and forth and we have no answer. Mr.Cooper needs to send us the Check Endorsement Release form and all will be well. But they refuse to transfer us past a supervisor. Again, its been 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023, at XXXXXXXX XXXX, I received an email about a balance transfer made to one of my Bank of America credit cards. That same day at XXXX XXXX, while the transaction still appeared to be in process, I called the bank and reported the transaction as fraudulent and asked for it to be stopped since I was not the one who executed it, and my call was timely, not an hour had passed since it was made. The operation still appeared to me in progress. The claim number at Bank of America is XXXX. The Bank of America Fraud Department has ruled twice that my claim is not valid because the transaction was executed using one of the devices connected to my home internet, which I do not accept as an answer. I use XXXX XXXX on my cell phone to access the bank 's mobile app, so it is impossible it was from my cellphone, and the amount of the operation is beyond my usual behavior as a bank customer, which is why I blame the bank for not protecting my interests against cyber fraud. The bank refused to recognize my case, listen to me, and give me the benefit of the doubt, so I went to the XXXX XXXX police in the state of Florida, where I reside, and filed a formal complaint under case number XXXX. The amount they scammed me is {$9700.00} plus a fee of {$290.00}. The original card was # XXXX. When I called to report fraud, this was canceled and I was replaced with the one that ends in # XXXX, which I also had to ask for to be replaced when I received an email informing me of a request to increase the limit that I did not want either execute.

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 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Since my mortgage I've held for over 10 years was sold to Mr. Cooper they continually harass me via phone-call to refinance my loan, they've been told repeatedly I'm not interested, and have now resorted to spamming my email, using the email I utilize to access my mortgage account to do so. I have a low interest loan from XX/XX/2013 and their hard sells are an attempt to put me in a financial situation in which I'm paying drastically higher fees. I contend that they are likely going on fishing expeditions in order to prey on people that find themselves in financial difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
for the past 15 years someone has been opening up accounts in my name in the past 4 years there has been XXXX bank accounts open in my name with old and different address

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 2023-10-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, Kilma, Peters and Daly without any communication, garnished my XXXX Bank Account, they sent the va garnish papers to the bank, I called bank and they could not go into details as the {$20000.00} was pending and I should call in a few days after it had been posted. I called Law group handling the file ( KPD ) several times and they would say they are attempting to collect the debt and verify it but yet did not attempt to even talk to me about this debt, when i asked questions trying to clarify the creditor, get a phone number to communicate to the creditor, I got ridiculed for asking for information as they say it has been a debt since XXXX some said XXXX. I spoke to XXXX, XXXX, XXXX, XXXX, at some point left a message for XXXX AND XXXX. For a week nobody helped and on XX/XX/XXXX, after trying to solve this differently for week i called them back, and tird againg XX/XX/XXXX I spoke to these same indivduals but this time decided to record every time i called back from someone hanging up the phone to not answering my questions of just wanting 1. A copy of orginal contract i signes for the debt, 2. Payment histry if at all from the original creditor, Name and adress for original creditor andproof of ownership that Kilma, Peters and Daly were assigned this debt of about {$23000.00}. I recorded about 10 voice memos in a space of 1 hr and no help or answers were provided to me as the person whose account has been garnished. I called XXXX XXXX XXXX, spoke to XXXX who are their clients but they gave me the one answer to talk to Klima Peters and Daly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 records of convictions of crimes which antedates 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