vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 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:
XX/XX/XXXX deposited two legitimate checks drawn from XXXX XXXX into my checking account. An extended hold ( 11 days ) was placed on the deposits, citing " check specific information '' that the checks may be returned. 
XX/XX/XXXX Visited the local BoA branch to find out what was the holdup, no one could tell me what the " check specific information '' was. Called XXXX, and in the presence of the branch manager, was told that the checks were indeed legit. Told that my account was now " under review. '' Left the bank and tried to make a purchase with my debit card and got declined twice. Returned to the bank and told that my account was frozen while under review. Could not access funds in my account until the hold was lifted, XXXX hours was the estimate. These funds were in my opinion being illegally withheld, as they were existing well before the deposits in question. 
XX/XX/XXXX Went back to the branch, got an email that morning from BoA stating that my phone # was deleted and could no longer use XXXX because " the account was closed. '' Associate had no idea why that was sent. 
Still waiting for BoA to resolve, unbelievably bad customer experience. I'll be closing my account ASAP after this is resolved.

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 2023-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
This complaint is filed against FRONTLINE ASSET STRATEGIES. This company has not provided me with ANY documentation such contract or application signed by me reflecting my social security number. I have tried to have them provide me with such documents for the past six months and nothing. I need CFPB to request to FRONTLINE any documentation that proofs that I own the acct showing my signature and social security number. Other than that ANY ANSWER filed by FRONTLINE is not valid without supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I was contacted on XX/XX/XXXXXXXX  to pay a debt for an ambulance ride in a city I don't live in on XX/XX/XXXX. They asked for my birth date to validate my identity. I asked what the call was regarding before I provide personal information. They said they could not answer until I had verified my identity. I gave them my birth date and they identified themselves as Phoenix Financial Services. They also said my birth date was one date off, they had the XXXX. I said well there you go it's not me. They said until I prove it wasn't me I'm responsible for a bill of more than {$2000.00}. I hung up and called the hospital they told me, XXXX XXXX in XXXX XXXX, once again, not where I live. They have a record of someone with my name, but incorrect middle initial, different parents names, different social security, and incorrect birth date as well. As the details diverged more, the hospital stopped being able to tell me more. I am not a patient in their system either so they could not help me further or send documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: TN

Complaint narrative:
I am a victim of identity theft. My id was stolen from my car and was used to get loans and credit. 

These are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The correct dispute process is not being done and I am not getting copies of the dispute process per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm is the company that I had an account with and there was a fraudulent purchase using my account. I had discussed this with the company on several occasions within the past few months ( XXXX ). When I first disputed the charge, I kept getting email notifications stating that I still owed a balance and that my account was going to get charged off. I called the company back and the representative that I spoke to assured me that this would be taken care of and that it would take there fraud department close to a month to get back to me. He also assured me that my account would not get charged off and sent to collections because I notified him that my family and I were in the middle of a move across the country and that we did not need anything that would negatively affect my credit. My account was charged off and I have been denied residents to several apartments because of this issue. I was forced to pay the debt collector so that I could hopefully find a place for my family and I to live. I submitted a complaint to the debt collector and I will be submitting a complaint to the better business bureau. the amount submitted to debt collectors was approximately {$210.00}. Although the amount was not significant, it has made it impossible to get approved for housing during our move.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  Inquiry : XX/XX/XXXX I do not recognize these companies nor did I apply, I am guessing someone who stole my wallet at that time had my identity and applied for all these things. This is incorrect Credit reporting on my end, and I am suffering loss due to these hard inquiries I have not applied for The Fair Credit Billing Act ( FCBA ) is a 1974 amendment to the Truth in Lending Act that puts in place consumer protections against inaccurate or fraudulent credit card charges and other billing errors.

If unheard please refer toSection 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute

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 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have credit inquiries on my credit report I do not recognize : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX 8 ) XXXX XXXX XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX 9 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 10 ) XXXX XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XXXX XX/XX/XXXX 12 XXXX XXXX XXXX XXXX  XXXX XXXX 13 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 14 ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 ) XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 17 ) XXXX XXXX XXXX XXXX  18 XXXX XXXX XXXX XXXXXX/XX/XXXX 19 ) XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 20 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 21 ) XXXX XXXX XXXX XX/XX/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 2023-08-22 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: OH

Complaint narrative:
I have credit inquiries on my credit report I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my consumer report I noticed incorrect personal information and unauthorized inquiries. the incorrect information and unauthorized inquiries will be listed below. I also attached my FTC report along with my identification. 
incorrect personal information Name XXXX XXXX correct name XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FLXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Please see attached - I was a victim of identity theft and there's fraud on my credit report I need to have resolved as soon as possible as its damaging my credit. 

Attached to this is : - My written complaint - My drivers license - My social security card - My address - Federal Trade Commission - Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I gave my debt card to the girl at the doctors office on XXXX. She stole my info and opened an online account in my name using all of my info with Wells Fargo, on XXXX. ( Wells Fargo is where my checking and savings accounts are. ) I have never used online banking. Then did a wire transfer of almost all of the money in my checking account, to a credit union, on XXXX. To do this they also ported my landline phone number to XXXX as a cell phone number, so that they could receive the code numbers to do the money transfer. I did not have my landline until today. One month of fighting with XXXX XXXX XXXX and I finally had to report them to the XXXX  to get the job done. Wells Fargo does not want to return any of my money. I have made XXXX phone calls to the fraud dept. and they will not do anything to help me. All of the proof that I have is a letter from the bank basically saying they are not returning my money and a phone bill stating that I received credit for the phone service.

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 2023-08-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Loan was with XXXX XXXX XXXX, they tryed XXXX attempts to foreclose, without success, because of the fact that the statue of limitations ran out in XXXX,, because the first delinquent day was XX/XX/XXXX, the note was escalated in XX/XX/XXXX, this made the maturity day,XXXX, and stated the statue of limitations, in XXXX, XXXX  XXXX XXXX XXXX forcing to stop reporting to the bureau s because the XXXX. Had passed, at that time XXXX  XXXX XXXX was barred from suit, in XXXX, the chose to get a fake assignment of deed, using the old stamps from country wide, that was to be destroyed, according to the national mortgage settlement, in XX/XX/XXXX they decided to move the loan over to Carrington mortgage, that's claiming to be a debt collector, started reporting to credit bureau in XX/XX/XXXX, after challenged there right to report the same account that was deleted prior to the change of service, They agreed the 7 years has passed and removed it from the credit bureaus, now they have got a illegal assignment of deed, also the lawyers escalated letter did not include the amount owed or how much to cure, in XXXX  you have to put that on the letter, the immediately did a illegal assignment for deed, and have filed suit to foreclose, ever when the law says the XXXX statue of limitations apply to mortgages, also no one can tell me where the XXXX XXXX I got from the mortgage assistant program, believe Carrington mortgage is stealing all the money people are getting from this program, also they are trying to sue my wife, who has never been a signer on any of the notes, especially the modification I got in XXXX, Carrington mortgage is barred from suit, but are ignoring the laws of Texas XXXX also refusing any kind of workout programs, using the old XXXX tactics,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-08-22 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-08-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a family emergency and was XXXX XXXX XXXX XXXX ( my mother was diagnosed with XXXX XXXX ). When I returned to the XXXX, I realized the payments were not deducted from my bank account. I contacted XXXX on XX/XX/XXXX, sent XXXX # XXXX {$11000.00} from the wrong checking account by accident, and set up a payment plan of {$280.00} each month. The rep told me the account was in the process of being sent to charge off. I asked her to please get in touch with the department handling this and let them know I was sending a large sum payment ( {$11000.00} ) and set up a payment plan in good faith to please do whatever it takes to stop it. I called them again about XX/XX/XXXX when the check didn't clear my account and asked them to resubmit it because I had transferred the money. I was told the check went through, but I knew it was a LIE since the money was still in the checking account. I sent another check on XX/XX/XXXX, Ck # XXXX, for the same amount ( {$11000.00} ), which was finally applied to my account. 

1. XXXX sent my account to charge off, even though I made a large sump payment that covered the months of missing payments and beyond 2. XXXX  is being paid the amount I owe in GOOD FAITH 3. XXXX has damaged my credit 4. This will be reported as INCOME to the IRS, which I have NOT RECEIVED, as I am paying this loan and keeping up with the monthly payment. I send a little more when I can 5. XXXX has not updated my payments on the account since XX/XX/XXXX and refuses to work with me on removing this charge off XXXX is acting maliciously ; I am doing my best to ensure this account stays current, but their negligence and wrongful reporting to the credit agencies which is harming my credit. XXXX wants to report an illegal loss on their finances with my account being charged off AND getting the loan amount paid off on time! This is double dipping into the tax pod and on their earnings, and they are breaking the law by doing this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: DISCOVER BANK
State: MI

Complaint narrative:
Discover card XXXX XXXX These two accounts are fraudulent and werent authorized by me at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
XX/XX/2023, I ordered a credit report and notices an inaccurate reporting from a collection company. I've disputed the inaccuracies on my credit report and the company responded with the account being verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: MI

Complaint narrative:
Upon viewing my most recent consumer report, I saw XXXX that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: NC

Complaint narrative:
Experian is reporting inaccurate information on my Consumer Credit report. I have disputed this, and Experian did not follow the FCRA and related regulations designed to protect consumers ' rights to accurate and fair credit reporting. My rights are not being upheld and I am addressing this issue and requesting all information pursuant Rule 1002 on 15 USC 1666b.

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 2023-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander was involved in a class action lawsuit/ settlement where any derogatory information should be removed from consumer reports due to unfair treatment of consumers. I have contacted Santander multiple times and received no response, they are also in violation of the XXXX code. Santander website shows anyone who received a loan between XXXX qualify for them to forgive the remaining balance on the loan. My credit report still shows a balance of XXXX owed to them. Please have this resolved and removed asap as this has been holding me back from moving forward with becoming a home owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: IL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation