vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NV

Complaint narrative:
I requested all sub-reporting agencies freeze my information as I am a victim of Identity theft. They have not done so, I sent all required documentation, proof of address, Drivers license, FTC report, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc.
State: FL

Complaint narrative:
To my knowledge, I have not signed any documents authorizing XXXX to view my credit history. Therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I requested any documentation bearing my signature if they had any that authorizes them to make inquiries into my credit report. 

They admit they did not have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I called cavalry after pulling my credit report XX/XX/XXXX. They apologized for sending my debt letter notifications to the wrong address and I asked for the original creditor information and they did not know all the details. They said id have to pay them directly. 

CAVALRY PORTFOLIO SERVICES Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact CAVALRY PORTFOLIO SERVICES  XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I called XXXX after pulling my credit report XX/XX/XXXX. They apologized for sending my debt letter notifications to the wrong address and I asked for the original creditor information and they did not know all the details. They said id have to pay them directly. 

XXXX XXXX XXXX  Original Creditor Name SYNCHRONY BANK Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Date Reported : 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 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am seeking assistance in resolving an issue with unauthorized charges on my Bank of America Visa credit card Account # XXXX XXXX XXXX XXXX. Despite my multiple efforts over several months to resolve this matter directly with the bank, I have encountered challenges and would appreciate your guidance. 

Summary of the Issue : Unauthorized Charges from XXXX XXXX : I discovered recurring unauthorized charges on my Bank of America Visa credit card from XXXX XXXX, amounting to {$130.00} per month. I even contacted XXXX XXXX about these and they had no record of my buying anything from them, I turned those documents to the Bank of America as proof but they still neglected to stop those charges. 

Bank of America 's Lack of Resolution : Despite my continued efforts and formal letters supported by clear evidence from XXXX XXXX confirming the unauthorized nature of these charges, B of A still didn't stop those charges, until XX/XX/2024. 

Ongoing Concerns : Even after disputing the charges and continuous communication, I noted that Bank of America allowed another charge from XXXX XXXX, which raises concerns about their internal processes. 

Requested Assistance : Reversal of Unauthorized Charges : I kindly request your assistance in ensuring that Bank of America promptly reverses all unauthorized charges from XXXX XXXX on my account, totaling {$4100.00}, along with any associated interest charges. 

XXXX on XXXX : As a consumer, I am uncertain about the steps to take in resolving this matter. I would appreciate any guidance or recommendations you could provide to facilitate a fair and timely resolution. 

Documentation Attached : Copies of statements showing the charges. 
Email correspondence from XXXX XXXX confirming no record of ownership or authorization for the charges. 

Your intervention can help bring a fair and amicable resolution to this situation. Your support in guiding me through the necessary steps and facilitating communication with Bank of America would be greatly appreciated. 

Thank you for your time and attention to this matter. I look forward to your guidance in resolving this issue.

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 2024-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act Select Portfolio Servicing regarding Loan Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Select Portfolio Servicing was contacted by me dozens of times over almost a year period and never resolved the issue on their end which resulted in them reporting a late payment on my credit. After a dozen or so attempts to rectify the issue with them, they refused to acknowledge their error and correct the inaccurate reporting. In the 15 years I've had lines of credit, I have had a flawless payment history and have never missed a payment so this error has drastically affected my credit score and has caused damage to my ability to use credit in the future. When I requested them to remove the late payment, they stood by their decision and refused to correct the reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2023 it came to my attention that someone unknown to me accessed my account and completed a wire transfer of {$1200.00} to their personal bank account without my permission. I contacted my bank ( Navy Federal ) to report this transaction as fraud, but because of my account history they believed that I authorized this transaction even though I did not. I want to know how someone was able to access my account and transfer money out to another account without me being notified and prompted by the bank to approve the transaction. I received no communication of this transfer or this person accessing my account and I'm furious that Navy Federal could even allow that to happen without taking any security measures. I contacted Navy Federal on XX/XX/XXXX to dispute the transaction and they denied my dispute, so I then filed a police report, identify theft report and appealed Navy Federal 's decision to not return the {$1200.00}. I am now waiting on Navy Federal to finish their investigation and get back to me with a decision in regards to the appeal. Since having my account compromised Navy Federal has denied me being able to refinance my car and this whole situation has put me in a bind financially. I don't understand how someone was able to access my account without Navy Federal asking for a PIN number or any other personal information that only me the account holder would know before allowing the funds to be transferred out of my account to another account. Account number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Synovus Bank
State: NC

Complaint narrative:
On XXXX XXXX I noticed a large amount of my funds being transferred to another account that I did not authorize. I spoke with the bank and a debut was made against the transactions. My concern is that this is the third time this has happened with the financial institute whereas I'm starting to lose trust in their ability to ensure my funds are safeguarded again unauthorized access. About twelve months ago, my decease spouse 's saving account was also accessed with an unauthorized transition of a large amount of funds whereas she has been deceased for two years by this time. Therefore, I know there wasn't anyone that authorized the transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
XXXX XXXX in companys Statements in the investigation clearly states that the account was paid in full and that they have a duty to report accurately following the FCRA guidelines. In review of my credit report they are not in accordance with this law.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XXXX XXXX in companys Statements in the investigation clearly states that the account was paid in full and that they have a duty to report accurately following the FCRA guidelines. In review of my credit report they are not in accordance with this law.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Multiple attempts to review documents correctly. Repeatedly denied forbearance or reasonable modification. After losing my job I was offered {$20.00} off of my mortgage payment. This offer is provided multiple times and was more than my salary. Foreclosure, proceedings were started and I was forced to sell my home reduced price Multiple complaints to your organization for years. I recently received a cashiers check for {$200.00} and an apology from Wells Fargo, that they erred when reviewing my documents. Since they have admitted wrongdoing, and caused me to lose my home, I should be part of the class action lawsuit since I have repeatedly contacted Wells Fargo.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 XXXXXXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NV

Complaint narrative:
I requested all sub-reporting agencies freeze my information as I am a victim of Identity theft. They have not done so, I sent all required documentation, proof of address, Drivers license, FTC report, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: NV

Complaint narrative:
I requested all sub-reporting agencies freeze my information as I am a victim of Identity theft. They have not done so, I sent all required documentation, proof of address, Drivers license, FTC report, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ADVISORS MORTGAGE GROUP, LLC
State: NJ

Complaint narrative:
My realtor got me in contact with XXXX XXXX from Advisor 's Mortgage as I was looking into what I could get financed for or what the max purchase price of a home would be under my name. Not once on the initial phone call I had with XXXX did she say she would be doing a hard pull on my credit to look into my details. I had assumed it would be a soft pull, but then I got a notification on my phone that it was a hard pull while I was talking to her. 
At the time I felt like I had to work with her since my credit was already pulled and affected by this. So I worked with XXXX to get her the documents she had requested as well. 
Several weeks go by and she had not gotten back to me. I emailed her on XX/XX/XXXX asking clarifying questions and she got back to me on XX/XX/XXXX stating she was ill and had helped family out but would get back to me the next business day, however she never did. 
Almost XXXX weeks later I email her back to close out my application and remove the hard pull on my credit as I was not going to be conducting further business with them. 
Their Compliance XXXX XXXX XXXX stated that they would not remove the hard pull as they feel it was the correct thing to do. 
I do not agree with this, as I was just looking for preliminary information to start with before I would move forward with them as my mortgage company. I want this hard pull removed from my credit, XXXX ghosted me when she could've easily handed my application off to another person within her branch if she was so ill, it's not fair to have it on my credit report for XXXX  years before falling off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: American Liberty Mortgage, Inc.
State: FL

Complaint narrative:
This company pre-approved me for the wrong amount because XXXX did not know the rules for USDA for small business owners. She took only one last year 's tax return to calculate when they require the average of two years before letting me know she was going on vacation on her anniversary cruise and XXXX would be helping me. XXXX found the rules and called them and then it 'killed the deal ' on the contract I had executed. They then pulled my credit so many times it killed my credit score also and gave me bad advice to sell my car and buy a different one, etc. I also felt some staff were rude and discriminatory on due to that I was a single woman, which was documented in an email. The owner of the home was a realtor and I found it online so I did not use the other realtor for the prior home I had looked at that was not 'approved ' anyway for the mortgage by them. The contract was executed on XX/XX/2022 and they had sent one 'wrong ' approval prior and then a different one after that as well. And I did have some money down, about {$5000.00} plus I was selling a boat at about XXXX, which I did sell, and land at about {$25000.00}.

Company response to consumer: Closed with explanation