vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We were a victim of Hurricane Ian. My wife and I took the time to get our damages mitigated to the point where we had help from our church members and family to get all the damages contained and repaired. We received from the flood insurance policy an emergency check for XXXX to help with obtained materials. We now have received our final check from the flood insurance for over XXXX ( total damages over XXXX ). We sent to Truist the check since they were named on the check as a lienholder and they have received as of XX/XX/22. We uploaded all the documentation including the proof of loss and the adjusters work sheet and then requested an inspection, since we were 95 % done with the repairs. Inspection requested on XX/XX/22. Truist did not send to their third party vendor until XX/XX/22. Since our repairs are over 95 % complete, we asked for an expedited inspection since we were that far along. To date, no inspection has been set up so that the inspection can be done to verify the repairs are completed. We have used our credit cards to pay for all the materials, labor and other items related to these damages. and now we will have to pay interest charges on our credit cards due to the delay with Truist Bank 's continual delays in the inspection process. This is not the first time we had to call on CFPB since we had an incident with them several months back related to our Escrow account. I would not bank with Truist if we had another choice in our area, but they have all the banking in our area. Can CFPB get in touch with Truist and get an answer why the current delays?

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 2022-12-27 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: MI

Complaint narrative:
TransUnion requires consumers to establish an account for disputes, issues and feedback. TransUnion will not accept my last name XXXX XXXX to establish an account and provides the following message : Sorry, but we can only accept letters, apostrophes, and hyphens for your last name. Please re-enter. My last name does not have a hyphen and TransUnions system does not allow spaces. Consequently, I can not establish an account.

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 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Suspicious of fraud Debit on XXXX eft {$250.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Upon my husbands released from the XXXX hospital down in XXXX XXXX for XXXX XXXX XXXX symptoms are hardship has been throughout the month of the year in XXXX. I sign up to have my loan my mortgage loan put on a modification, which it was a three month modification trial. Before we can start a mitigation, lost mitigation due to XXXX XXXX XXXXXXXX prepaid card that weve been on through XXXX or through XXXX somebody had fraudulently use the card and took out all the money in the bank now that put us in for our last payment, we defaulted in XXXX not because we didnt have it, but because somebody took it out of our bank account, which is leaving us now into it like an open area basically for any foreclosure. What can we do to stop this prevent this maybe look at another avenue weve lived in this house for six years when we want to keep it. Its our home.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
This involves Wells Fargo Bank. 
On XX/XX/2022 fraudulent cash advances were made on two separate credit cards. These cash advances were transferred to my business checking account ( by the person committing the fraud ) from which a fraudulent wire transfer was made. I notified representatives at Wells Fargo within minutes of the fraud taking place. 3 months have gone by and Wells Fargo has yet to correct the situation. 

Business credit card ending in XXXX in the amount of {$9000.00} and personal credit card ending in XXXX in the amount of {$8000.00}. These cash advance funds were transferred without my approval to the business checking account ending in XXXX from which the {$17000.00} fraudulent wire transfer was made. 

Over the last three months Wells Fargo has been dragging their feet addressing my claim. They replaced both credit cards and transferred the fraudulent cash advance amounts to the new cards. Since representatives at Wells Fargo were unavailable to discuss the lack of action on their part, I used my own funds ( admittedly in a bit of a panic ) to pay down the new credit card balances to protect my credit rating. Wells Fargo now claims that since the credit card balances are essentially XXXX, " restitution '' has been made. They refuse to acknowledge that MY funds were used and that I ( the victim ) am in no position to provide restitution. 

Most recent Wells Fargo parties involved : XXXX XXXX : XXXX ( Business credit card ). 
XXXX : XXXX XXXX ( Consumer credit card ) Please address this issue and explain why Wells Fargo shouldn't provide restitution for fraudulent credit card charges.

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 2022-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am working with a Lawyer named XXXX XXXX out of XXXX XXXX XXXX office if XXXX @ XXXX and these people hacked into my emails and used his logo and used this email address to make contact with me XXXX they also used XXXX XXXX as the accountant and me not knowing that I was speaking to them and not my Lawyer they gave me XXXX XXXX account number and routing number. The routing number is XXXX and the account number is XXXX and then two days later my Lawyer called me asking me if I was ready for payment and I said I sent it to your accountant he's like what are you talking about and that's when he said forward the messages you received from these impostors that's where he said they are using my Logo. His name is XXXX XXXX XXXX and his phone number is XXXX and my phone number is XXXX and it's XXXX XXXX and I have all the tex messages from.these people and the XXXX receipt from Bank of America that's who the supposedly accountants bank is linked to

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 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Selene Holdings LLC
State: TN

Complaint narrative:
Our loan was transferred to Selene Finance in XXXX of XXXX. In XXXX of XXXX I received a credit alert from XXXX that there was a negative report from Selene Finance. The credit alert shows that Selene Finance reported the account with XXXX in XX/XX/XXXX as CO and modified. We never did a loan modification with Selene Finance at any time. The only loan modification occurred with the previous servicer in XXXX of XXXX. Selene Finance has no right to file a negative credit reporting for a modification that occurred almost 4 years ago with another servicer. I contacted Selene about their error and was told that they are properly reporting the loan, and there was nothing they needed to do. Not only was the loan not charged offed, Selene Finance is reporting the loan modification, which occurred almost 4 years ago with another servicer, as though it just occurred with them, which means it will remain on my credit report for seven years. Selene has wrongfully and purposefully reported something that negatively impacted my credit, and is refusing to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian, XXXX, and XXXX are allowing companies to have access to my consumer file. After applying for credit recently I was denied. Having received the Denial letter, it stated that I have accounts with newly reported lateness and derogatory accounts. I checked my consumer report and there are accounts reporting negatively that I do not have any affiliation with as well as one account that was never late but for some reason is being reported as late. 

XXXX Is being reported as late. I do not own this account and I do not have any affiliation with this company. 

XXXX Is being reported as closed and negative. Please remove XXXX XXXX being reported as closed and negative. Please remove XXXX XXXX being reported as closed and negative. Please remove XXXX is being reported as late, I was never late on this account. Please correct.

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 2022-12-27 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: FL

Complaint narrative:
CFPB + Equifax, The companies below have many inaccuracies on my Equifax credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Twice ) Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Equifax credit report for many blatant inaccuracies they refuse to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: CA

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

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 2022-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Americas Car-Mart, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX car loan with Colonial Auto Finance {$5200.00}. This account is now over 7 yrs, closed account, vehicle does not run. All payments were on time. Dispute was made XX/XX/XXXX with XXXX  removal was denied after request if " Goodwill Deletion ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: Affirm Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/2022, I lost all of my personal stuff that including my ID, my Credit cards, my personal phone and more. Over the 9 months while i was trying to get everything back i looked at my credit report and i seen activities on there that i did not recognize. My credit card that was stolen in XX/XX/2022 has a balance of {$240.00}, Which is at XXXX XXXX. When i contacted the company, they locked my account and told me i still had to pay the {$240.00} even though I'm not responsible for it. Also, there are two charges from affirm one balance is {$130.00} the other is {$110.00} both of these loans were opened when all my belongings were stolen and i did not know it was on my credit report until now, I have not tried to contact the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: PA

Complaint narrative:
I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: PA

Complaint narrative:
I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.

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 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I used my debit card at a gas pump and pump was broken, i filled up my gas tank but, the gas pump meter continue to run and charge me money for gas i did not get. My car 's gas tank holds 12 gallons and the gas pump charged me close to a {$150.00} ( this is more gas than would fit in my gas tank ). i tried to fix with gas station but, they could not fix and they told me to call my bank. i filed an unauthorized charge for {$98.00} claim but, my claim was denied. I was charged XXXX but, did not recieve gas for XXXX i want my XXXX refunded back to me. I've filed complaints via email with my senator marco rubio, my congressman john rutherford. i also filed and submitted a consumer complaint form with florida attorney general 's office ashley moody.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
SYNBC/ XXXX This Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
USC 1692 ( A ) abundant evident of abusive debt collection practices USC 1692e ( 10 ) use of any false representation or deceptive means. Your financial institution knowingly reported false personal credit information.

USC 1681 ( a ) ( 4 ) my right to privacy was negligently and willfully violated FURNISHING AN ACCOUNT THAT WAS CREATED FROM A CREDIT CARD OR SIMILAR DEVICE 15 USC 1681 ( A ] ( 2 ) ( B ] UNAUTHORIZED USED OF A CREDIT CARD WHEN THE USER DOES NOT HAVE IMPLIED AUTHORITY 15 USC 1602 ( P ) identity theft ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I went to open a checking account and Bank said credit reporting agency, Equifax, had a hold on my credit report. I inquired with Equifax, after talking to them they said there was no problem. I tried to log on and got an error message. Tried XXXXXXXX same error. Called Equifax back, with error codes. Talked to supervisor ( XXXX, XXXX  # XXXX ) who stated I needed to send a letter in the mail with a cover letter, my drivers license and my social security card to verify my identity. I asked why? Was there an identity issue? He just kept repeating I need to send verification of my identity and there were no holds or freezes. No reason was ever given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I suffered a theft of my debit card information. Transactions were made without my authorization and consent. I have notified Bank of America about the following transactions that have taken place. Bank of America originally denied my dispute and claims. Bank of America has not conducted a thorough investigation. They haven't reached out to me to investigate the matter. I have appealed their decision and have also filed a FTC report. This complaint will be faxed over to Bank of America along with the FTC Identity theft report. 

The claim number associated is claim # XXXX the transactions that fraudulently took place are the following. 

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 explanation
Consumer complaint received 2022-12-27 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: PA

Complaint narrative:
Experian Credit Reporting has left a fraudulent Hard Inquiry on my personal file from XXXX XXXX, that I did not authorize nor do I have any accounts or relationships with, I also contacted XXXX and they have incorrect info on me, neither is deleting and are not in full compliance with federal credit fair reporting compliance

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 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: GA

Complaint narrative:
Hello, This company has to be stopped. Their collections tactics are inhuman and the way they speak to consumers should be a crime.I 've been harassed for trying to solve the issue in a decent/respectful way. This company has been reported an account from the year 2020 with an inaccurate balance. The amount reported is incorrect and they have been increasing the reported amount monthly, which is highly illegal for a closed account. I have had several conversations with their representatives. I've been cursed out, told I was a XXXX XXXX XXXX and that they will ruin my credit and make it impossible for me to ever rent again in the United States. They have contacted my mother and threatened a warrant on my arrest if she didn't have me to call them immediately. My mother who is already in poor health suffered a XXXX XXXX XXXX after their threatening and degrading phone calls. Can someone please help me solve this debt with this company. The reported amounts are inaccurate and they have blatantly stated they are out to ruin my credit/reputation. This debt is also a joint debt which I've tried to explain countless amounts of times to no avail.

Company response to consumer: Closed with explanation