vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
THERE IS NO OPTION FOR " MORTGAGE TRANSFERS ''. XXXX XXXX  ( owners : XXXX  ) IS acquiring my mortgage from WELLS FARGO BANK! 
Serious problem? XXXX XXXX  committed fraud using MY information back in XXXX to try to create a " fake mortgage loan ''. It tripped up an ID Theft from the OPM ( Office of Personnel Management ), so I had to extend my ID Theft & Fraud protection. I reported this incident to the XXXX XXXX Sheriff 's Office. The Economic Crimes Division forwarded the report over because there were multiple victims. XXXX XXXX  was FINED. The Federal Judge ordered 'NO CONTACT ' with its victims. SEE THE PROBLEM? I had to breach the " NO CONTACT ORDER '' to contact XXXX XXXX and their response was basically " OOPS ''. I have touched bases with Wells Fargo Home Mortgage and Wells Fargo Bank to get them to stop the process of my mortgage to a Company that had COMMITTED FRAUD! They are implying " WE CAN'T ''. Yes they can, and bad enough, how many victims are going into the very system that committed FRAUDULENT LOANS? I know I can not be the only person! 
In addition, XXXX  XXXX XXXX ( since XXXX ) can not have any relations with me due to their corruption and money laundering ( I believe it was ) - PERMANENT NO CONTACT. XXXX XXXX XXXX  XXXX XXXX  can not have any relationship with me because they made multiple fraudulent reports and handled the case badly even though they had terminated 4 of their Fraud Team Members. The order was given- NO CONTACT. There are several others Banking and Mortgage System which are defunct today due to Federal Arrest and Jail, so I do not need to list those defunct companies. WHAT PROTECTION DOES A CLIENT WITH A MORTGAGE HAVE WITH A " NO CONTACT '' ORDER BY THE FEDERAL JUDGE? TO A JUDICIAL SYSTEM - BOTH OF US - XXXX XXXX  AND MYSELF WOULD HAVE TO GO TO FEDERAL PRISON FOR UP TO 20 YEARS when I am a victim. 
YES, I am fully aware mortgages gets tossed around to and fro for years. My original Loan Provider was XXXX XXXX, Wells Fargo acquired the mortgage since XXXX. THIS IS HOW LONG I'VE BEEN AN OUTSTANDING CLIENT WITH WELLS FARGO. 
So what the ( XXXX XXXX XXXX ) XXXX AM I SUPPOSED TO DO? I am not going to jail because of the ability of tossing Mortgages around. Bad enough I only have a few years left on my mortgage and the PRIMARY reason why Wells Fargo was doing this so they can " cater '' to the minorities, and believe it or not- I am a minority?

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-01 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: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
To Whom It May Concern, I am on an IDR plan ( REPAYE ) for my federal loans. I was with Great Lakes before COVID pause, then with XXXX XXXX, and now with MOHELA ( account number XXXX ). My loans was transferred from XXXX to MOHELA in XXXX. 
When I was with XXXX, I received emails instructing me to recertify my income in order to continue being on IDR plan although no income recertification was required during COVID forbearance period. Following misinformation by XXXX, I recertified my income on XX/XX/XXXX and the recertification was approved on XX/XX/XXXX. The recertification resulted in much higher payment compared to my payment right before COVID forbearance in XX/XX/XXXX. 
It is due to XXXX 's misinformation that I am now punished for trying to follow my loan servicer. I should had had the same benefits as everyone else because we were not required to recertify income during COVID forbearance. 
I have tried to have this fixed by calling MOHELA and but the conversations have not been fruitful. They told me they could not undo the recertification even though from researching online and discussing with others who were in the same situation, they were able to get their recertification undone. 
Attached documents include : 1. My recertification application on XX/XX/XXXX XXXX. Proof of my monthly payment with XXXX XXXX right before COVID forbearance ( the last email for monthly payment due on XX/XX/XXXX ) 3. My recertification receipt on XX/XX/XXXX ( when I was falsely asked by XXXX to recertify despite being on COVID forbearance )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America fraudulently opened a Savings account in my name, then charged my credit card for direct deposit / check cash advances which get deducted from my credit card to this fake Savings account that I never opened. 

XXXX. I have been maintaining a XXXX balance on my Bank of America credit card XXXX. On XX/XX/2023 I received a letter of a passed due payment of {$3300.00} XXXX. Since I could not locate the card right away because I have not been using the card I decided to just pay {$300.00} on the card and also get the card canceled and asked that Bank of America me a complete statement for this credit card XXXX. That's when I came to find out that a different account named " XXXX XXXX Banking '' type account has been opened without my knowledge XXXX. Come to find out that even the {$300.00} i just paid is actually showing up on this " XXXX XXXX Banking '' as deposit but not to my credit card XXXX. Bank of America has been routinely depositing money from my credit card to this " XXXX XXXX Banking '' that I never opened XXXX. I have been on the phone with Bank of America for hours and hours and all they did was to opened a fraud case which they just closed and claimed that there was no fraud and insisted that I owe them the said amount

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 2023-08-01 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This has been going on for a few years now since the start of my XXXX benefit there's been nothing but fraudulent charges and I'm basically expected to just go without while they take their time and make sure that I'm not lying well they just sent me a letter about XXXX weeks ago saying that they owed for appeal that I had overturned in XXXX and that they were going to be sending me back my fees and XXXX and they've only given me back my fees. Still haven't got the XXXX charge back

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 2023-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-01 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: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-01 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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

Complaint narrative:
There are four Frauds on my account again which start on XXXX XXXX amount. XXXX $ for XXXX XXXX XXXX  : XXXX XXXX XXXX Iam not responsible for it. 

the second Fraud one was on XXXX XXXX amount XXXX $ for XXXX XXXX : XXXX XXXX which Iam not responsible for it. 

the third one on XXXX XX/XX/2023 amount XXXX $ for ACH HOLD XXXX XXXX XXXX which Iam not responsible for it. 

the fourth one on XXXX XX/XX/2023 amount XXXX $ for ACH HOLD XXXX XXXX XXXX XXXXXXXX XXXX which Iam not responsible for it as well.

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 2023-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Hunt & Henriques
State: CA

Complaint narrative:
XXXX XXXX is a partner with Hunt & Henriques that does business with XXXX, and as such he is in debt to me due to fraud associated with XXXX. I would like to know : 1. How many bitcoin does XXXX hold? 2. How much money has XXXX Received from Hunt & Henriques and how much has Hunt & Henriques received from XXXX since 2019. 3. Does XXXX have a mortgage or any lines of credit with XXXX? 4. What is XXXX XXXX liquid net worth? 5. Does XXXX intent to repay creditors of XXXX who's property he is in possession of? 6. Does XXXX own any real estate or businesses? 7. What is XXXX XXXX home address? 8. Does XXXX live with anyone who also benefited from the fraud? I am asking these questions for the purpose of recovering my stolen funds. I will be filing a lawsuit against XXXX to claw back funds once the bankruptcy ( XXXX ) is dismissed as fraudulent and I am free to do so. I would not normally harass a debtor while there is an ongoing bankruptcy, but according to XXXX, this is within my first amendment rights as a creditor. I will not be forgiving XXXX XXXX debt and I will claw back every single cent. It is not my fault XXXX decided to work for a firm that paid him with rehypothecated debt that was fraudulently acquired. His property belongs to me, and I will be claiming it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I hope this message finds you well. I am writing to appeal the permanent limitation that was placed on my PayPal account ( email address : XXXX ). I believe that this limitation is a result of a mistake and that my account has been wrongfully restricted. I assure you that I have always complied with PayPal 's policies and have not engaged in any activities that violate your terms of service. 

I am kindly requesting PayPal to re-investigate my case thoroughly and with utmost attention. I have been a loyal PayPal user and this account has been an essential tool for both personal and business transactions. The limitation has caused significant inconvenience and disruption to my financial activities, and I sincerely hope for a fair resolution. 

I understand the importance of maintaining a secure and trustworthy platform for all users, and I support PayPal 's efforts to combat fraud and unauthorized transactions. However, I am confident that there has been an error in this specific case, and I kindly ask that you grant me the opportunity to demonstrate my compliance with all PayPal policies. 

I kindly urge PayPal to reconsider the decision and to restore my account to its full functionality if your review finds no evidence of any policy violations. I assure you that I will continue to adhere to all the rules and regulations set forth by PayPal and conduct my activities in accordance with your policies. 

I greatly appreciate your time and attention to this matter and look forward to a positive resolution. If you require any additional information or clarification, please do not hesitate to contact me at the email address provided in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: CT

Complaint narrative:
I am writing to express my deep concern and frustration regarding a fraudulent transaction that was made on my credit card. I am disappointed by the lack of security measures in place, as well as the inconvenience and financial burden this incident has caused. 

I discovered several unauthorized charges on my credit card statement. These charges total [ amount ]. To the best of my knowledge, I never made these transactions nor shared my credit card information with anyone. I immediately contacted your customer service hotline to report the issue and request assistance. 

This incident has shattered that trust and compromised my confidence in your ability to protect my sensitive data. 

I kindly request that the unauthorized charges be removed from my account and that a thorough investigation is conducted to identify the individuals responsible for this fraud. Additionally, I seek assurance that my personal information will be better safeguarded moving forward. I expect proper compensation for the inconvenience caused, including any financial penalties resulting from the fraudulent charges. 

I believe it is crucial for your company to implement stronger security measures to prevent future instances of credit card fraud. This should include better monitoring systems, enhanced fraud detection technology, and more proactive communication with customers when suspicious activities are detected. By taking these measures, you can restore customers ' faith in your services and ensure their financial safety. 

I anticipate your prompt action regarding this matter. I appreciate your attention to my complaint and expect a satisfactory resolution within [ reasonable timeframe, e.g., 14 days ]. 

Please reopen my complaint since your department referred me to the Office of the Comptroller of the Currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
i have been complaining about this debt collector for years and have no success. they have defamed by character by reporting false information on my credit report. They have threatened to sue me and is unable to prove the validity of the alleged debt. 

i am unable to provide for my family because i have been denied credit due to false information reported by this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX CAPITAL ONE CREDIT CARD has declined me XXXX other times same reason as listed below. 
Hi, thank you for your interest in the Walmart credit card. 
We reviewed your information and, unfortunately, we can't pre-approve you for a Walmart credit card at this time. 
Here are some of the reasons why we couldn't match you with this card offer : Based on your Pre-Approval form information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement Creditor : Capital One, N.A. 
XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX CAPITAL ONE Reported : XXXX XXXX, XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 

Balance {$0.00} Credit limit $ 500 Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status No Info Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Derogatory Type Credit Card Responsibility Individual Remarks XXXX XXXX XXXX Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2023-08-01 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: LA

Complaint narrative:
I am contacting you to request the prompt removal of specific accounts and associated information from my consumer report. It has come to my attention that these accounts should not be reported, and their presence on my report violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I kindly ask for your immediate attention to this matter to rectify the situation in compliance with the applicable laws. Please remove the mentioned accounts and information from my consumer report as soon as possible. Thank you for your prompt assistance.

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 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made a cash deposit at a ATM on XX/XX/XXXX around XXXX to XXXX XXXX at the Capital One Branch located at XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX in ATM # XXXX and while the ATM was counting the money it ran into a error and shut down for about XXXX minutes, the ATM did not apply my money to my account. because the bank is not open until XXXX I called customer service and I opened a case, the person who opened the case entered the wrong address and also the wrong ATM id, causing a delay into my investigation and ultimately a denial of the claim, because of human error at customer service, now Capital One is giving me a difficult time with the re-investigation. I understand that the ATM might be third party owned, but why cant they review the cameras at the Branch in the mean time to try to speed up the process or have it expedited because the customer care person entered the wrong address and ATM #. now they want me to wait another 10 business days

Company response to consumer: Closed with monetary relief