vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
In May of XXXX  we received notification from our County Property Tax administrator of a significant increase in our property taxes. I notified our loan care servicing company, XXXX XXXX XXXX LoanCare, of the increase and suggested an escrow analysis be performed. They agreed and stated we would be notified via email and USPS letter. We never received any communication from the company. 

In XXXX of XXXX, we received a letter from LoanCare, dated XXXX/XXXX/XXXX  indicating our escrow account was underfunded by {$6000.00}. The next business day, XX/XX/2022, I called and spoke with a customer service representative. We agreed to pay the shortage amount of {$6000.00} via digital check. I was instructed to write " escrow payment '' on the check. The payment was made online and cleared the bank on XX/XX/2022. 

I followed up on XX/XX/2022, contacting LoanCare Svcs to follow-up on the recent {$6000.00} escrow payment. I wanted to ensure the payment was made to correct the deficient escrow account and not prepaying our monthly mortgage amount or against principal. The LoanCare Svc person indicated a mistake was made and the {$6000.00} had been applied against principal. I clarified for her our intent to pay the escrow shortage. She indicated the issue would be addressed and a follow up letter would be sent. We never received a letter, or any follow-up. We continued to make our monthly mortgage payment as agreed to. I monitored our account via an online portal. I called periodically asking the staff at LoanCare Svcs why our information was inaccurate. They always assured me the information would be updated the next day or so... A letter explaining the error and apologizing for the mistake was always in the mail. 

This went on for months, even to the point of LoanCare Svcs issuing us a few certified letters initiating the foreclosure process. Unfortunately, my wife had received one of the letters when I was out of town. She was somewhat unaware of LoanCare Svcs mistake. She was very upset and spent the next few days trying to contact LoanCare Svcs with no success. I returned home and contacted LoanCare Svcs immediately. Once again I was assured it was just a bureaucratic mistake and I would be receiving a letter apologizing and detailing the issue. This never occurred. 

What we did receive was another certified letter continuing the foreclosure process. To add insult to injury, we also received an alert via our XXXX XXXX account that our credit score had been downgraded because of comments made by LoanCare Svcs to one or more credit reporting agencies.

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 2023-02-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX # XXXX, US Department of Ed # XXXX, has violated my rights 15 U.S.C 1681 sec 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-23 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I recently pulled by credit report and noticed credit inquires that i do not recognize, unauthorized and did not consent to. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX XXXX XXXX, XXXX XXXX XXXX, JPMCB Card and XXXX XXXX are NOT mine, i do not recognize and did not authorize! these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. This has caused me much stress and anxiety and has had a very negative impact on my life. I will be taking legal action on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 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: U.S. Auto Sales Inc.
State: SC

Complaint narrative:
I recently pulled by credit report and noticed credit inquires that i do not recognize, unauthorized and did not consent to. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : US Auto Sales, XXXX  XXXX XXXX, XXXX XXXX  and XXXX XXXX are NOT mine, i do not recognize and did not authorize! these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. This has caused me much stress and anxiety and has had a very negative impact on my life. I will be taking legal action on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX # XXXX, US Department of Ed # XXXX, has violated my rights 15 U.S.C 1681 sec 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-23 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: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, US Department of Ed # XXXX, has violated my rights 15 U.S.C 1681 sec 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XXXX I got a text from my bank Wellsfargo saying there was a charge of XXXX at XXXX. If I recognize it Y or N. I was in XXXX XXXX and about to board a plane. 
I immediately said N. Then I got 2 unknow calls and a 3rd call that was on my contact list saying Wellsfargo XXXX 
I answered it and the guy already had been in my account telling me about the charges if I made it or not. I told them which ones were mine and which were not. 
I also said I am about to board my plane. 
He suggested I put my account on freeze mode and went on telling me to go on my phone and punch in some number on my key pad. 
I did that and XXXX hours later when I landed I checked my e-mail saw 3 emails from Wells Fargo that XXXXXXXX XXXX  was transferred to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FROM MY ACOUNT TO XXXX XXXX XXXXXXXX. 
I IMMEDIATELY from the airport called the fraud case almost XXXX hours after the original fraud text and opened a case of fraud transfer with Wellsfargo. 
The next morning XXXX XXXX  went to the branch of Wellsfargo and told them this money should be flagged and marked as fraud and totally stop my online banking, They said the money is in XXXX  XXXX XXXX AND THEY CAN NOT AT THIS POINT DO ANYTHING SINCE IS AN ONLINE BANKING FRAUD CASE BETWEEN THE 2 banks. 
I went to the local XXXX XXXX  XXXX and ask them to hold the money till we can investigate since a case was already made almost XXXX hours after the fraud wire was made and was flagged. XXXX  XXXX XXXX said your bank needs to contact online fraud XXXX XXXX XXXX XXXX XXXXSince the XXXX I have been getting the runarounds and all the blames for giving my info to hackers.yesterday I got a letter from WF that said since I Assist in the wire transfer and the funds are no longer available the bank cant give my money back. 
I never assisted any one, I try to stop almost XXXX hours, the system was hacked when I got the original text since they already were in my checking acount.they try to get me via text my user number and password and since I never remember it I could not provide it. 
At this point I am reaching to you and hope you can help me. 
I send letters to the board of directors, I tried to email the district manager, but her Email got back to me. 
The branch people are nice but clueless and I am in big pressure since I want to get a loan and cant borrow money.please help me. 
Thanks

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 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
Honda finance corporation sold my loan after XXXX XXXX paid the vehicle off and harassed me to pay the {$900.00} balance due after they fraudulently added on EVERYTHING they could which ultimately left me with a {$28000.00} Honda XXXX! They also FRAUDULENTLY told me that I had to pay a {$5000.00} down payment to drive off the lot! The FINANCE CHARGE IS THE SUM OF ALL CHARGES! They also never disclosed to me my right to rescind! Honda finance corp has repeatedly violated my consumer rights, FCRA " This law is as clear as dayl as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Further, 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 I deposited an {$8000.00} check into my checking account at a 5/3 Bank branch. The check was from XXXX XXXX and was for a loan against my retirement account. The check cleared the next day. I already had about {$3000.00} in my checking account when I deposited the check. 

On XX/XX/2023, 5/3 Bank put a permanent hold on my checking account and locked me out of my online banking. I tried to call them and when I put in my information, they put me on hold for 30 minutes No one would pick up. So, I went to a branch. 

I was told that there were questions about the {$8000.00} check. I didn't understand since this was a check from a large company. I spoke with a personal banker there and provided him the loan disclosure statement, loan confirmation paperwork and my most recent quarterly statement. I called XXXX and they said they should just call them and they will confirm the check. He forwarded this to the 5/3 fraud department. 

They have still not rectified the issue. They won't call XXXX. They won't bother to do anything. They have returned payments I have made for utilities and other bills. 

I don't know what to do. They have stolen my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I sent a certified letter to Transunion about an hard inquiry that was placed on my consumer report that is not mine. This inquiry was placed on my consumer report while having a fraud alert on my file. The dispute letter was sent certified mail on XXXX XXXX, 2023 and was delivered and signed on XXXX XXXX, 2023 and it's been 33 days since its been received and I still have this item on my consumer report. 

I will attach the proof

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 2023-02-23 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 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: NC

Complaint narrative:
15 USC 1681i ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received dispute results from Transunion, however Transunion has not sent proof of investigation ; who Transunion spoke to from companies, phone number of person who verified information on consumer report. By law after dispute results are sent to consumer and consumer ask for proof of investigation Transunion has 15 days to provide proof of verification or delete accounts from credit profile. It is pass the 15 day period to provide proof and I am demanding deletion of all the accounts. Company addresses and XXXX numbers are not proof of verification as this is public information.

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 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
As a consumer I have exercise my rights in regard to consumer purchases. Since XXXX XXXX I have attempted to contact the department at the department pertaining to the accuracy included in the consumer transaction resulting in " loan '' deceptively assigned and then furnished to my credit report without consideration and consent. I offered my consumer paper for collection does not surrender. The purchase of my vehicle was for personal, family and household use only. I have implemented to have the alleged debt paid in full by use on negotiable instrument acceptable by debt settling obligation and requirements. furthermore, the suppose contract only has one party signature I have asked for clarification about this with the company and the assigned " loan '' company. I yet not received any correspondence about this matter. 
As on XX/XX/XXXX I have sent another letter of correction and satisfaction of the matter. In addition to verify that this is legitimate consumer transaction, I have requested a copy of the contract between the consumer and the Corportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Friday, XXXX XXXX, XXXX drive up lane deposit of {$700.00}. Teller deposited funds into someone else 's account. Saturday, XXXX XXXX, I noticed funds were not on my account balance upon checking the bank app. Went to local branch and XXXX ( XXXX ) informed me that XXXX had deposited my {$700.00} into the account she was working on just prior to my transaction. He gave me a case # and told me a manager would have it corrected on Monday, XXXX XXXX after a full business day. It was not. Tuesday, XXXX XXXX, I spoke with XXXX over the phone and he said, if I hadn't heard anything by Weds. XXXX XXXX to give them a call. This concerned me so I called and spoke with XXXX XXXX in XXXX, Ohio. XXXX told me that unfortunately it was a process, but that my case would be corrected no later than Thursday XXXX XXXX and it was not. Friday, XXXX XXXX I went to my local branch and the manager behind the counter acknowledged the mistake and credited my account the {$700.00}. She said, it may " fall-off '' overnight into Saturday but if it did, she would repost the credit. Saturday, XXXX XXXX the account did reflect that the funds " fell-off '' but they were not reposted. Tuesday, XXXX XXXX, I went to the branch once again. They repost the {$700.00}, handed me a balance receipt showing {$1000.00}. I withdrew the {$700.00} back to myself leaving a balance of {$330.00}. XXXX, XXXX XXXX, I receive an alert indicating my account is overdrawn by {$360.00}. I called customer support and XXXX informed me that it looked like I had authorized the withdraw of the remainder of the balance. I told her I only withdrew the {$700.00} leaving the rest for a balance and that i had the receipt. She acknowledged that was the case, spoke with the individual handling the case and they corrected the account. However, she could not tell me if the credit back to my account was permanent or temporary. With that information, I went to a local branch, withdrew the balance of {$330.00} and requested to close the account. The teller, who had no name plate, gave me the funds in their entirety and said they would close the account as soon a pending charge that had already been paid came off. I do have three separate receipts with correct amounts and correct dates but I don't know how to attach as requested as optional.

Company response to consumer: Closed with monetary relief