vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Someone opened Bank of America savings account in my name without my consent. I called Bank of America immediately and they were able to close this fraudulent account. Account was not funded therefore there was no loss and my claim was closed. I went ahead and initiated fraud alert with credit reporting bureaus. Person that was able to open account in my name had access to my following personal information : previous mailing address, current email address, most likely social security number, my birthday which they entered incorrectly by one day ( might have been intentional ) .This account was opened on XX/XX/2023. Thank you.

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 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I have contacted Columbia Debt Recovery multiple time in regard inaccuracies reflecting on my credit report. I was a victim of identity theft and have already filed and FTC report and sent the Bureaus and have not received an update. Please remove this item from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: MOHELA
State: WA

Complaint narrative:
Hello, On XXXX XXXX XXXX two student loans were added to my credit report. One amount of {$2900.00} and other amount of {$1700.00}. I have tried disputing multiple times with XXXX XXXX and XXXX but have had no luck. I took the steps to contact directly with the student loan company XXXX XXXX XXXX education ) but can't get ahold of a customer representative to discuss the fraudulent activity. I am also unavailable to acquire these account numbers and I need that information to move forward so I am able to report the fraudulent accounts. I would like to move forward to remove these loans from my account as it has and will continue to effect my credit report as well as affecting my ability to open other accounts. 

Thank you so much for taking the time to read my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: SC

Complaint narrative:
As of XXXX XXXX Chime Bank closed my account after i reported unauthorized activity and my card was stolen along with my personal information the scammer was able to load there own bank card to my account in take money thats when i get a email on my account closure when i reported fraud on my account becuase my card was stolen in the scammer was able to accsess fund in take control of my chime account i have sent chime so many doucments trying to get access to my close account because i have XXXX in my close account they is sending me the same email saying the same thing send proof i am the account holder i have sent over 100 emails to XXXX and XXXX asking here is my closure check the account have been close more then 30 days they are not responding to me or concern or not trying to give my funds in my close account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
In XX/XX/XXXX we received a letter that we did not prove our Wind Insurance policy and that they were going to provide insurance for us and we would have to pay this. Our Insurance agent had been trying to get the payment for our policy. The mortgage company did not pay until it was over 3 months late. So we had to wait for a new policy to start in XXXX. Premiums were finally paid. 
XX/XX/XXXX we get another letter and we call again because this was finally handled. 
XX/XX/XXXX I get an alert that my mortgage payment is late from XXXX. I call because payments are made directly from my account to Loancare. I am told that my payment was not enough and so the payment goes into an account until funds are collected. My payment use to be {$2400.00} and I pay {$2800.00} each month a week before the due date. I speak to multiple people who can see what happened. They charged us for the lapse of coverage XXXX. We did not lapse the mortgage company did. We opened an escalated case # XXXX. We ahd to work with the insurance dept to get this resolved and with customer service to get our credit fixed and the payment. 
XXXX was out case XXXX and she did have our credit fixed and told me she would adjust the late fees as well. This did not happen. XXXX XXXX from the insurance dept has called me back every time he tells me he is and has kept me updated. He left a message on XX/XX/XXXX stating that this will be completed next week and he will call when it is finished. I get a letter in the mail and my credit was dinged again for being late. I have constantly paid the {$2800.00} which I was told to do since no one knows what my payment will actually be. I was told that they had to adjust the difference and fix our escrow in order to know the amount we should be paying. Today I spoke to multiple reps at LoanCare or XXXX and one was the collection department, which I told him I should not be in collections. He transfer me after an hour on the phone to customer service and after another hour going over the account, he is still showing I am a month late or missing a payment. My account has multiple payments then reversals and it makes no sense to me, however I know what has been paid out of my bank account. They told me a payment was returned, not sure why because I pay from my bank. I did have to go in a pay again on XX/XX/XXXX for XXXX. I now am told I cant pay online or over the phone because I am not in good standing for payments. I am also told I am a month in the rears, which is not true. XXXX waiting for someone to return my call again but I do not have much hope since after XXXX hours today no one could help. This company is the worse, I had to file a complaint when we refinanced. I have voicemails and phone conversations recorded showing they were working on this issue and was going to fix it.

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 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have sent multiple disputes to this collection agency. This is a fraud case. I sent over a request for information as i have never had a credit one card. They sent me a statement for someone with my name in INDIANA. I live in Texas. I tried to explain to them this is fraudulent and asked if they can send over information such a dob or social so i can tell if this is a case of identity theft or if this is someone with the same name? Its on my credit report but not mine so they must have my social. They keep replying with the same credit one statement and not even looking at my dispute. This needs to be removed from my report and labeled as fraud. HELP! They also never sent me anything saying that this debt was purchased and i could dispute it or i would have done so to avoid it ever going to my report. This also could have already been reported to identitytheft.gov but they didnt notify me. I am pretty sure this violated FDCPA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have contacted XXXX several times in regard to my consumer rights being violated. gross income or ordinary income or canceled debt is excluded from consumer reports. XXXX received a tax deduction for this charged off account : XXXX but i never received my 1099c form this is tax fraud XXXX has committed. this account is inaccurately being reported to all three of my consumer reports. this is a violation of 15 usc 1681a they lied said it wasn't cancelled in a letter, but it was because it still reports monthly as a charge off i demand this account to be deleted. 26 usc 6050p was also violated by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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:
I have contacted XXXX several times in regard to my consumer rights being violated. gross income or ordinary income or canceled debt is excluded from consumer reports. XXXX received a tax deduction for this charged off account : XXXX but i never received my 1099c form this is tax fraud XXXX has committed. this account is inaccurately being reported to all three of my consumer reports. this is a violation of 15 usc 1681a they lied said it wasn't cancelled in a letter, but it was because it still reports monthly as a charge off i demand this account to be deleted. 26 usc 6050p was also violated by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XX/XX/XXXX I mailed a check made payable to XXXX XXXX XXXX XXXX Collector in the amount of {$3800.00}. When I notice the check had not cleared my account I got worried that my taxes were not going to be paid on time so on XX/XX/XXXX I paid the property taxes online. On XX/XX/XXXX I checked my account and saw the check I wrote back on XX/XX/XXXX had cleared my account along with the electronic payment. I sent XXXX XXXX XXXX XXXX Collector an email asking them to please credit my XXXX installment of taxes since I paid twice ( by check and electronically ). I called XXXX XXXX XXXX XXXX XXXXr on XX/XX/XXXX and the person I spoke to said the only payment they received was the electronic payment. I said how is that possible, my account shows the check I mailed to you was cashed. He asked me if the back of the check had a stamp with XXXX XXXX XXXX Collector. He said if it did not then fraud had been committed and to contact my bank. I immediately contacted Wells Fargo and they filed a fraud claim. They closed out my old account and gave me a new one. On XX/XX/XXXX I walked into the Wells Fargo XXXX and ask what was going on with my fraud case and they said a fraud form had been mailed out to me which I never received. I ended up going into the closest Wells Fargo branch to fill out the fraud form which they needed to contact the Fraud Department for the form. I was told by Wells Fargo XXXX XXXX  XXXX XXXX negotiated the item and on the back of the check was signed by some XXXX XXXX. Wells Fargo has told me that XXXX  XXXX XXXX has up to 120 days to reply to my claim. It is now 84 days since I reported the fraud and I still do not have MY money back in my 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 explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX Regions Bank XXXX XXXX AL. fraudulently opened a line of credit ( LOC ) ending in XXXX for {$15000.00} without my consent. Originally, I assumed the LOC was a credit offer not an active account, so I did not take any action and left it alone. In XXXX XXXX, I started being billed fees against this account that I did not ask for, want and/or need! As of XX/XX/XXXX, I have spent hours and hours of my time on the phone with Regions bank customer service, collections, Account Services and Fraud Departments along with visiting my local Regions branch in XXXX Fl. XXXX to be told this issue would be resolved and acct. closed. Again, as of today XX/XX/XXXX, Regions Bank keeps applying fees and sending negative comments to all 3-credit bureaus driving my XXXX plus credit score below XXXX and dropping. I have tried to clear this issue any number of times without success! I can not tell you where the XXXX XXXX XXXX branch of Regions is let alone do business with. If this is how Regions is going to conduct business, and not assign any type of case number to show comments on an account I will take my business elsewhere.

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 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank offered a checking account promotion for new customers. 

1. I opened an account over the phone on XX/XX/XXXX with a Citibank CSR. The online offer stated fund the account in 20 days however the Citibank CSR stated " since we don't have any physical branches in Texas and you applied by phone, you have 30 days to fund the account. I said are you sure. She said absolutely. Please check phone logs. 
2. {$15000.00} was credited to my account on XX/XX/XXXX. 
3. Maintain the balance for an additional 80 days. I maintained the {$15000.00} balance from XX/XX/XXXX to XX/XX/XXXX. 86 days. 
4. Upon successful completion of the above within 90 days a {$300.00} Citibank bonus will be credited to your account. 
5. Spoke with XXXX ( Citibank CSR ) on XX/XX/XXXX, she said promotion code was applied correctly to my account and everything looks wonderful on your account from funding to maintaining the balance. A case was opened XXXX. Still no satisfactory resolution.

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 2023-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I written numerous of letters stating for them to verify this debt as well the amount owned. Because I have or had medical insurance. And I shouldn't be receiving anything regarding my medical information being sold or discussed to outsiders this go against the HIPPA law. And I would like to remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
My mother got ahold of my social security card and opened up several credit cards in my name when I was a minor. I have tried to file a dispute and tried contacting legal aide and nobody will help me. Every time I do file a dispute they are trying to make me pay it off. I refuse to pay the debt off when I did not open the account, like I said my mother opened these accounts in my name. It is ruining my credit and it is not allowing me to get a loan or anything because all of it is in my collections. 

XXXX XXXX XXXX  XXXX XXXX A {$680.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$760.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Opened : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: MD

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-17 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: MO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-17 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 — Problem with personal statement of dispute
Company: MONEY SOURCE, INC., THE
State: OK

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against The money source regarding their poor quality of service. I have had several issues with this company, including a late payment that was their fault and their failure to provide me with adequate customer service. 

I reached out to a supervisor regarding the late payment, and they were supposed to call me back to discuss a resolution. However, I never received a call back, and when I followed up with the company, they were rude and unhelpful. 

Furthermore, I have had additional issues with this company, including a lack of communication and failure to provide me with the courtesy of fixing their mistakes. I have tried to contact them to address these issues, but they do not call me back or provide me with any assistance they put a late payment on my credit report for XX/XX/2022 I tried to explain what happened to the agent that was supposed to help me but all he did was try to confuse me I explained they had me cancel the payment on the app and pay it over the phone I have been doing business with the money source for almost 2 years I have never been late always pay on time this is effecting my credit report the last agent I spoke with was XXXX XXXX, I am extremely disappointed with the level of service provided by The money source, and I believe they are not meeting the standards of customer service that are expected. I hope that the Consumer Financial Protection Bureau will take action to ensure that this company improves its service and treats its customers with respect. 
My account # XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: CA

Complaint narrative:
My identity was stolen as well as well as my bank accounts. my account was closed and hard pulls we made on my credit.

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 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This company calls me REPEATEDLY dozens of times a day. And during the week. They threaten to take legal action etc. and honestly it is irritating the amount of times they call.

Company response to consumer: Closed with explanation