vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LOCKHART, MORRIS & MONT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: Affirm Holdings, Inc
State: CT

Complaint narrative:
To Whom it may concern : We are writing to you regarding the following accounts : XXXX XXXX XXXX XXXX XXXX As of XXXX these said accounts have destroyed my credit ( well over XXXX ) In late XXXX my bank account information was stolen and used in various areas of the US for thousands of dollars. I have suffered terribly from this happening and am now in the process of rebuilding. As of today XX/XX/22 all of my affirm payments are up to date and I plan to continue these payments. 

I am in the process of beginning a new job where credit is heavily weighed in order to gain employment so I ask for a goodwill adjustment on these above accounts. As you can also see prior to This I have successfully paid my account and I ask you to please work with me on this. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: WI

Complaint narrative:
I am a victim of identity theft and there are fraudulent accounts on my credit profile that need to be removed immediately that are causing damages and injuring me financially.

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 2022-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We received a modification offer but sent appeal of the payments to BoA they never responded to our request to lower the payment they Offered FHA loan counseling said the rescue act could do a second put at end of loan. BoA never responded their lawyer said we needed full amount to reinstate. FHA said no. 
I also asked for amount BoA would accept to payoff the loan the lawyer said he would get back then he quit. 
Attaching what we received had no clue to interest charged or how BoA arrived at the payment.

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 2022-09-08 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: OH

Complaint narrative:
XXXX XXXX Bank said they issued me a credit card back in 2021. The card was sent to a XXXX address in XXXX Ohio XXXX But I never lived on XXXX XXXX in XXXX ohio. I called them in XXXX after checking my credit report and that's how I found out that XXXX XXXX Bank had issued a credit card using my information and the card had been used. They close the account after I called them and started a dispute but continue to red Flagg me through the three major credit reporting agencies. I never applied nor received the card and never lived on 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 2022-09-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Please tie this to my husbands complaint XXXX with your agency his name is XXXX XXXX XXXX XXXX XXXX was part of a 2012 foreclosure and should be removed they have retailiated and placed their account twice on my credit report and shown as open. I will file a complaint with the attorney generals officem Also there are XXXX hard inquries i teqieated to be removed or send me a copy of a signed application for each. 
A photo pf both issues attached.

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 2022-09-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Please tie this to my husbands complaint XXXX with your agency his name is XXXX XXXX XXXX XXXX XXXX was part of a 2012 foreclosure and should be removed they have retailiated and placed their account twice on my credit report and shown as open. I will file a complaint with the attorney generals officem Also there are XXXX hard inquries i teqieated to be removed or send me a copy of a signed application for each. 
A photo pf both issues attached.

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 2022-09-08 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
To Whom it may concern : We are writing to you regarding the following accounts : XXXX XXXX XXXX XXXX XXXX As of XXXX these said accounts have destroyed my credit ( well over XXXX ) In late XXXX my bank account information was stolen and used in various areas of the US for thousands of dollars. I have suffered terribly from this happening and am now in the process of rebuilding. As of today XX/XX/22 all of my XXXX  payments are up to date and I plan to continue these payments. 

I am in the process of beginning a new job where credit is heavily weighed in order to gain employment so I ask for a goodwill adjustment on these above accounts. As you can also see prior to This I have successfully paid my account and I ask you to please work with me on this. 

Thank you, 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 2022-09-08 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: MS

Complaint narrative:
I opened a XXXX account in XXXX and in XX/XX/XXXX the company changed lender. This change by the company led to a new account being added to my credit reports ( old account closed ). this change has had a negative impact on my credit as it appears I opened a new account which did not. This is my same XXXX account but the lender changed. I nor any other customer should be negatively impacted due to a company change. The algorithm with the agencies need to be changed so changes of the nature do not hurt the consumers.

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 2022-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: PA

Complaint narrative:
I have been a customer of XXXX for at least 30 years. I moved to Florida for XXXX years and I had them there also. I have always given them the opportunity to use my credit card to collect my monthly charge. In XXXX or XXXX I dont remember exactly, I called the company and spent two hours on the telephone to downgrade my current bill. The whole time I was talking to their outsource person possibly in the XXXX, I dont know. After that time went by I was very happy because they downgraded me to a cost that I could possibly afford. They downgraded my XXXX bill to approximately {$100.00} per month. After spending all of that time on the phone with them I neglected to check my statements from XXXX and when I did check my statement, they upgraded me to {$170.00} for one month and {$190.00} for the following month. when I saw my statement I am mediately called XXXX and again spent a number of hours at different times trying to get through to them and all they kept insisting was is that I upgraded and I didnt downgrade. There was no way I wouldve done that. Apparently whoever I was talking to in another country Did whatever they did. I am mediately called my bank, XXXX Bank, and they called it a fraudulent charge and removed it from my account. They have been constantly harassing me even after I moved back to Pennsylvania and will not listen to what I am telling them. I have refused to pay them but I just two days ago and received another bill from them for a total of {$590.00}. They have not even credited me for all of the tools that they gave me and I have been unable to make any progress with them. When I received this bill again yesterday it was after I spoke to them when they called me a few days ago told them the whole story, and all they did was send me another statement for {$590.00}. Ive been with XXXX for many years and have always paid them on time. I have refused to pay this bill and I am asking for your help. Thank you, XXXX XXXX XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX mortgage had my principal balance at {$130000.00} XX/XX/XXXX. XXXX changed the servicer to Select Portfolio Servicing. XXXX fraudulently submitted a Modification that XXXX never signed in XX/XX/XXXX. 
I was in XXXX XXXX Bankruptcy in XXXX when XXXX XXXX  submitted their proof of claim as {$130000.00} as my principal balance. Now it is at {$230000.00} with Select Portfolio, please investigate XXXX XXXX for this fraudulent crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: WI

Complaint narrative:
I am a victim of identity theft and there are fraudulent accounts on my credit profile that need to be removed immediately that are causing damages and injuring me financially.

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 2022-09-08 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: WI

Complaint narrative:
I am a victim of identity theft and there are fraudulent accounts on my credit profile that need to be removed immediately that are causing damages and injuring me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: MS

Complaint narrative:
I opened a XXXX account in XXXX and in XX/XX/XXXX the company changed lender. This change by the company led to a new account being added to my credit reports ( old account closed ). this change has had a negative impact on my credit as it appears I opened a new account which did not. This is my same XXXX account but the lender changed. I nor any other customer should be negatively impacted due to a company change. The algorithm with the agencies need to be changed so changes of the nature do not hurt the consumers.

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 2022-09-08 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: MS

Complaint narrative:
I opened a XXXX account in XXXX and in XX/XX/XXXX the company changed lender. This change by the company led to a new account being added to my credit reports ( old account closed ). this change has had a negative impact on my credit as it appears I opened a new account which did not. This is my same XXXX account but the lender changed. I nor any other customer should be negatively impacted due to a company change. The algorithm with the agencies need to be changed so changes of the nature do not hurt the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
For my Marcus XXXX Rewards Card I was charged a late fee and interest. The company refunded me the late fee and interest but charged additional interest on the late fee and interest that was refunded. No other card charges interest on a refunded fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CO

Complaint narrative:
I disputed a charge for XXXX on XX/XX/XXXX they deducted the money and charged me several nsf fees which I also disputed.. they never credited my account even though ******they charged the transacts back to XXXX XXXX on XX/XX/08 ****** I was served a paper by XXXX XXXX with the charge back information.. today I spoke with a man who id himself a s a manager for bank of the west and he sd he could not help me and just wanted proof that I disputed the charge. All the calls are recorded that I disputed them they charged me for it then then charged it back to the company also trying to make me pay it twice while also charging me fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAROLINA FINANCE, LLC
State: VA

Complaint narrative:
I lost my job during Covid which I had for 24 years. I have been very open about this. I finally landed a Full Time job after working for a temporary agency for a year and half. I had to go 3 weeks before my pay days got squared away. When I called XXXX XXXX he talked over me and treated me very poorly and hung up on me. I almost have the XXXX loan paid off I only owe about XXXX more dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  mistakenly sent a balance that I did not owe to Franklin Collection Services. I satisfied the balance as a sign of goodwill because this account has dramatically impacted my credit and financial well being. Upon satisfying the balance, I was told verbally that this account would be deleted from my credit. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: West Law Group, PLLC
State: TX

Complaint narrative:
Company claims to be a law firm trying to collect debt as a 3rd party debt collector. The firm has been verified by the Secretary of State that it doesnt have Surety Bonds to collect debt, but has seized and collected debt through a contract that was made and signed on XX/XX/2022 for the amount of {$200.00}. Possibly a scammer using past law firm information from multiple sources OR a Law Firm operating WITHOUT SURETY BONDS. Contacted Secretary of State who verified the following companies do not have surety bonds and that they have been canceled, but are continuing to operate and collect debt ; XXXX XXXX. XXXX, XXXX XXXX XXXX, West law group, west law group PLLC. The Law Firm has been asked to send a receipt for proof of payment and refused, the firm was requested to send a copy of the original creditor contract and refused. The contract is signed under XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Tx XXXX, XXXX, XXXX. May go by the name XXXX XXXX XXXX XXXX Westlawgroup.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: FL

Complaint narrative:
Im traveling abroad and I don't have access and time to call my bank to open a fraud dispute. 
On XX/XX/XXXX I receive a message on my phone saying that my debit card was locked due suspicious activity. 
Then I checked my bank statement and there are several transactions that I never authorized, and checking my wallet I noticed my debit cars was missing. 
I need to report fraudulent transactions starting on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX until the last transactions posted on my account. 
Before that one the transactions posted are authorized. Attached goes each transactions marked with a circle, those are not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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:
On XX/XX/2022 I was offered a job as a data entry clerk for a company named XXXX XXXX. They gave me a check of XXXX to purchase equipment and they gave me a XXXX number to send the money to. My bank XXXX Bank of America ) provided me with the money before actually processing the check. The next day the bank refunded the check taking XXXX from me leaving my account- {$1300.00} plus dollars. They told me that because I was scammed they were unable to help me and the other bank was not cooperating with send the money back to my account for them to retrieve. Now Bank of America took money from my sisters account ( because we are both under my moms account as students ) today XX/XX/2022 and applied it to the negative balance that was left in my account leaving my sister with zero dollars in both her checking and savings account. They told me they could not transfer the funds back to her account. If possible I would love for my sister to be able to retrieve her money back and I would love for the other bank to give Bank of America back the {$1900.00} so I can get my {$600.00} back also.

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 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma repeatedly sent me emails that my score went up and that I qualified for several credit cards and secure cards to which I would apply to be denied and then find out that score I was provided with was not matching the score from 3 credit bureaus and XXXX, now I took hits to my credit applying under false pretense.

Company response to consumer: Closed with explanation