vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called Experian 's fraud department on XX/XX/XXXX and spoke with a representative. I requested Experian delete an unauthorized inquiry from XXXX  XXXX  on XX/XX/XXXX as it is against the Fair Credit Reporting Act to report unverifiable and unauthorized information I informed the experian fraud representative that I have already attempted to dispute this through XXXX XXXX. 
The employee from Experian said she can not delete this information and that XXXX XXXX can run my credit without my consent and that the FCRA does not apply to them. Running my SSN without my consent is identity theft, illegal, and fraud. I want this inquiry deleted from my report or I will contact the attorney general and press monetary charges for violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have contacted XXXX XXXX XXXX via Validation of debt letters and via phone call to ( XXXX ) XXXX but have not received the validation necessary of leaving this erroneous account on my credit reports. Additionally, while the account is listed as a charge-off, they continue to increase the balance. I have attached the dispute letters sent to them along with the letters sent to the credit bureaus. I have not received the required verification for having the accounts on my credit reports and this erroneous account must be removed as XXXX XXXX XXXX  has violated the Fair Credit Reporting Act. 

Certified mail receipt number XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have contacted XXXX XXXX XXXX via Validation of debt letters and via phone call to ( XXXX ) XXXX but have not received the validation necessary of leaving this erroneous account on my credit reports. Additionally, while the account is listed as a charge-off, they continue to increase the balance. I have attached the dispute letters sent to them along with the letters sent to the credit bureaus. I have not received the required verification for having the accounts on my credit reports and this erroneous account must be removed as XXXX XXXX XXXX has violated the Fair Credit Reporting Act. 

Certified mail receipt number 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 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: WI

Complaint narrative:
I refinanced my home last XXXX and my loan was serviced by a company called The Money Source. In XXXX, I received a letter stating that the servicing of my mortgage was to be transferred to a company called XXXX XXXX on XXXX. Not only did The Money Source failed to transfer my loan to the new servicer, they also transferred a payment to XXXX ( where I didn't have an account ) and didn't credit my account. My credit scores for XXXX and XXXX were trashed and I continued to receive irrational phone calls and harassing delinquency letters from them. I called them at least 10 times and spoke with a different customer care employee each time without resolution. I eventually had to demand to talk to a supervisor who also couldn't find where my payments were. I was eventually connected with their Vice President of Customer Care. I attempted to explain to her how much time and effort was expended on my part to clear my good name as well as tracking down my payments which were not late. My loan was finally transferred on XX/XX/XXXX. The only things that I ever received from them were empty apologies as well as collection calls and delinquency letters. It is my hope that I can shine a light on their terrible " customer care '' and perhaps prevent this from happening to other clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was reviewing my bank account, on XX/XX/XXXX, I noticed the following transactions : XX/XX/2021, two {$500.00} and {$20.00} debits, as well as the following : {$3.00}, {$9.00} and {$10.00}. On XX/XX/2021, the following unauthorized charges made against my account {$9.00}. I contacted PNC immediately by phone. The person on the phone told me that they would cancel my card. That following Monday XX/XX/XXXX, I went to my local PNC branch and informed them about the information that I disclosed to the hotline. I was issued a new card. I was informed that the charges had not posted, and that I should come back when they do. On Tuesday XX/XX/XXXX, the charges were cleared, and I filed a dispute with the bank for the total of the unauthorized charges totaling {$1000.00}. I was issued a provisional credit for this amount, while the bank investigated the matter. I wanted to file a police report, the personal banker, XXXX, said that it wasn't necessary. On XX/XX/XXXX, I received a letter from PNC ( dated XX/XX/XXXX ), saying that they determined that the dispute was resolved and that " no error occurred ''. In the letter, I was informed that I had the right to see the documentation that they used to make their determination. They have neither furnished me with documentation or rationale. Furthermore, they refused to honor my request to close my account and open a new one, or refund my money. They have stated that they are re-opened an investigation, what ever that means. 

I also filed a police report and contacted the FTC at the advice of the XXXX Police. The police took a report, and I am following their directions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
HSBC IS CHARGING ME FOR PURCHASES ON CLOSED ACCOUNTS. ACCOUNT XXXX IS A CLOSED ACCOUNT DUE TO FRAUD. THE COMPANY HAS PUT ON {$240.00} IN CHARGES ON THIS CLOSED ACCOUNT. THIS ACCOUNT SHOULD HAVE A XXXX BALANCE. ON THE ACCOUNT THAT XXXX  REPLACED THEY PUT {$14.00} ON THAT ACCOUNT. THAT ACCOUNT ENDED IN XXXX ON ACCOUNT XXXX THE COMPANY PUT ON {$70.00} FOR CHARGES I DID MAKE OR AUTHORIZE. OLD ACCOUNT XXXX AND THE ONE THAT ENDS IN XXXX  AGAIN WERE BOTH CLOSED DUE TO FRAUD. I WANT THE {$240.00} AND {$14.00} CREDITED BACK TO THE NEW ACCOUNT. ON THE ACCOUNT XXXX I WANT THE {$14.00} THAT IS NOT MY CHARGE PUT BACK ON THE NEW ACCOUNT IT REPLACED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/21, I looked at my on-line checking account with SunTrust Bank and noticed that ( 5 ) unauthorized checks were cashed on XX/XX/21 and ( 23 ) unauthorized checks were cashed on XX/XX/21 by the bank. These all totaled {$11000.00}. All of the checks were about {$300.00} and not more then about {$400.00}. I was amazed that SunTrust bank would allow that kind of strange transaction to occur without questioning it. I went to our local bank branch and spoke with the branch manager about the fraud. She told me to close the account and she would take care of the rest on her end. On XX/XX/21 I went to the bank and spoke to the manager regarding the fraud and to find out if there was anything more that we needed to do on our end to help the process in getting our money returned to us. She told me that we needed to file a police report. We filed a police report. The officer came to our home to take our information and he gave us a case number. In early XXXX, I called the fraud department to see where they were in the process of returning our money. They said we needed to file an affidavit. They also said that their investigator attempted to reach me. There were not messages left or record of calls from them on my cell. I have contacted the fraud dept. 5 times. They keep telling me that the money will be put in back in my account. Today is XX/XX/21 and no money that was fraudulently taken from my bank account was deposited back into my account by SunTrust. I have written to XXXX XXXX, SunTrust, CEO of fraud. I sent the letter XXXX  on XX/XX/21. I have not heard back from him.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
This letter is regarding account # XXXX with Prestige Financial Services, which you claim my account was Charged Off with a balance of {$8300.00}. It is reporting incorrectly on all 3 Credit Bureaus ( XXXX XXXX and XXXX  ) This account should not be on my credit report at all. I am a Deputy Sheriff and this is affecting my ability to get a mortgage amongst other things. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: CA

Complaint narrative:
I was disputing late payment on my credit history by sending letters to Credit Bureau, But Credit Bureaus did not reply to my dispute after second letter. They sent me answer once by saying account was verified and status of the account is correct. 
I sent dispute letter to Creditor directly. After I called to Creditor to follow up my dispute, by phone I been told that my account is current and do late payment was occurred. 
I need your help at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACRE MORTGAGE
State: VA

Complaint narrative:
I applied for mortgage financing through American Capital Real Estate Lending with XXXX XXXX XXXX ( NMLS # XXXX ) as the Mortgage Specialist on XX/XX/2021. XXXX gave me information related to the loan inquiry and we agreed to move forward in the process with a credit pull for the mortgage loan application. XXXX stated that he would have information to me the next day and sent a follow up communication. 

Following the email, I completed the application process in the online portal and sent XXXX an email noting completion. After 2 days I had not heard from XXXX and needed to move forward with a real estate transaction, it was the weekend so I expect that he was likely not available. I sent an email on XX/XX/2021 with the updated information for the loan amount and asked for pre-approval documentation. 

On XX/XX/2021 I called XXXX noting the aforementioned information. XXXX stated that he was out of town and had just got back and that he would complete the process over the phone. I gave him all the information I had already entered into the system and he stated that he needed to do a credit pull to verify creditworthiness. I agreed believing that a prior credit pull likely wasn't performed ( note - the first credit pull did go through on XXXX XXXX from XXXX XXXX ). XXXX pulled my credit again on XX/XX/2021 ( credit pull from XXXX XXXX ) and stated that he would have a quote to me by XXXX. 

I did not hear from XXXX until receiving an email on XX/XX/2021 ( a week later ). At that time I had move on to another lender. I responded to the email on XX/XX/2021 letting XXXX know that I was disappointed in the communication and the fact he ran my credit twice. XXXX did not respond. On XX/XX/XXXX another email went out ( two weeks from initial contact ), since this email followed the week pattern, I'm assuming the emails on XX/XX/2021 and XX/XX/2021 were automated emails. I selected unsubscribe and moved XXXX to the spam box. On XX/XX/2021 another email was sent from XXXX. It landed in my spam box. 

There is no dollar value damages involved, although there may be an impact credit wise on my behalf. This complaint is submitted to make the CFPB aware of a practice by a noted NMLS member that was adverse to a consumer and to ensure future consumers receive professional services from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to make fraudulent transactions on my accounts with Santander Bank. 

I am a member of XXXX and enlisted their service in the investigation. 
I completed a XXXX Power of Attorney form for XXXX so they may contact Santander Bank on my behalf and inquire about the investigation. 
The XXXX Power of Attorney form along with supporting documentation was mailed to Santander Bank on XX/XX/2021 and received on XX/XX/2021 - verified by USPS Certified Ticket # XXXX XXXX XXXX XXXX XXXX. 
The agent assigned to my case contacted Santander Bank via phone call on XX/XX/2021 to verify receipt and attachment of the XXXX Power of Attorney form to my account, and was told that Power of Attorney must be completed in a branch. 

Santander Bank then proceeded to freeze all of my accounts for security, stating an unauthorized party had called and tried to gain access to my accounts. 

On XX/XX/2021 I visited my local Santander Branch at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 
I spoke with XXXX XXXX and advised that I was aware of the phone call made and that it was authorized. 
My request to unfreeze my accounts was denied. 
My request to establish new accounts was denied. 
My request to have the XXXX Power of Attorney form resubmitted by XXXX was denied. 
My request for the contact information for the fraud department of Santander Bank was denied. 
My request for information on the process of authorizing another party on my accounts was denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: NJ

Complaint narrative:
I have these items that are not mine and i want them to ber emoved from my credit report. 

XXXX  1. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: NV

Complaint narrative:
I have sent over 10 legal documents to your company and you have over and over responded with nothing except we need more information. XXXX has reached out to you and I have sent your company a legal document form XXXX stating for you to correct this fraud matter. Your company is stating that I have negative credit on my XXXX account. All other credit reporting agencies show me with XXXX credit and never had any negative accounts. I have attached XXXX legal document for Experian to stop reporting negative items on my XXXX account. You have been served with supporting documents and have them. 
I have spoken to your legal team many times. This is total fraud by Experian reporting this on my credit account form XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
All the money {$1500.00} was taken from my account on XX/XX/XXXX. I called the XXXX to tell them about the fraud. They said they would open a claim and they did and then my claim was automatically denied when I called back they said they re-opened it this happen back-and-forth many times and I finally called back again and they said that they denied it for multiple reasons two of those reasons were incorrect and Im still left without the funds the card never left my possession I never made the transactions wasnt in the city at the time it happened etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I had fallen behind on my mortgage ; before covid hit. This past year I was on a forbearance and applied for mortgage help from Mr. Cooper. They said they could not modify the mortgage because I had been previously modified. Due to covid I couldn't catch up. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: Self Financial Inc.
State: MA

Complaint narrative:
I applied for a Self Lender account and inXX/XX/2017 I was diagnosed with XX/XX/XXXX XXXX XXXX XXXX. I called the company to close the account because I wasnt working anymore and was unable to make payments. The company continues to report two late payments on my credit reports. I didnt take out a loan, it is a company that I pay to help rebuild credit. I called to close it and they never closed it until my bank denied the payments. I would like them to remove themselves from my credit reports so that I can get my life back after fighting XXXX three times within the last four years. This is making a huge impact on my report and it is unfair especially since I never owed them anything and called to cancel before the due date. Please remove from my credit reports.

Company response to consumer: Closed with explanation