vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Had FHA mortgage paid it Countrywide XXXX wrote new one without our knowledge Have offered settlement Bank of America attorney sent email We mutually walk away dismissal of complaint with prejudice. Dismisd my federal complaints Since BoA bought Countrywide and is using the forged FHA mortgage to foreclose don't know who is pulling the lawyers strings. You can get it directly to BoA is either a victim or in cooperation with the forgers.

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 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
XXXX Bank of America there was {$100.00} deducted from my XXXX XXXX  account on XX/XX/XXXX paid to XXXX XXXX of XXXX VA I have never heard of this 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 explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: WI

Complaint narrative:
The car was paid off in the month of XXXX ( XX/XX/2022 ) in full. When I look on my credit report it shows a late payment for the month of XXXX. I have called them to fix it, but it has not been fixed as of yet. 
In accordance with the fair credit reporting act XXXX  account, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out written instructions. 15 USC 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent my second letter to XXXX, XXXX, and Transunion giving them an opportunity to rectify the situation and they have not. They are reporting inaccurate information and they're reporting a bankruptcy that I have disputed and asked for them to remove. 

I have asked them to remove names, addresses, and employers that I am not associated with. I also told them to remove my social security number ( last four digits ) my birth date/ year.

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent my second letter to XXXX, Equifax, and XXXX giving them an opportunity to rectify the situation and they have not. They are reporting inaccurate information and they're reporting a bankruptcy that I have disputed and asked for them to remove. 

I have asked them to remove names, addresses, and employers that I am not associated with. I also told them to remove my social security number ( last four digits ) my birth date/ year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
On XX/XX/2022, I called customer service for my XXXX XXXX XXXX XXXX because I was charged late fees of {$41.00} due to the fact that with the switch from XXXX XXXX  to Barclays Bank my statement was not received. I was told the fees would be waived, and to just pay {$30.00} which I did. 

On my next statement I saw I was charged the {$41.00} fees + a {$2.00} fee. I called customer service again in XX/XX/2022 to inquire and I was told not to worry, my balance is {$0.00} and I didn't need to pay anything. So I did not pay in XXXX. 

For the XX/XX/2022 statement I was charged the same {$43.00} + a new {$32.00} late fee, or {$75.00} total. I should not have been charged any of these fees due to waiver of {$41.00} in XXXX which is still not reflected in my statement. 

When I called Barclays, I was told the {$41.00} was waived even thought it obviously was not and I was charged an additional {$32.00} fee. I was then told I'd be transferred to a " relationship manager '' but was placed on hold for an hour with no one ever picking up the phone.

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 2022-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
UPDATE ON THE HOUSING FORECLOSURE MATTER. XXXX XXXX XXXX  XXXX XXXX. AGAINST. XXXX XXXX. 
LOAN # XXXX THIS TO BRING TO YOUR ATTENTION, THE URGENCY OF OUR SITUATION. XXXX XXXX XXXX  CALLED AND REQUESTED FOR A MODIFICATION. THE BANK GAVE US UP TILL THE XXXX OF XX/XX/2022 TO SUBMIT ALL THE REQUESTED PAPER WORK. MEANWHILE THE SALE IS THE XXXX XX/XX/2022. SO THE BANK NEED TO MOVE THE SALE DATE TO ALLOW TIME TO COMPLETE THE MODIFICATION .WE ARE SOLICITING THE YOUR OFFICE TO COMPEL THE BANK TO EXTEND THE LAW DATE TO XXXX. IN HOPE THAT YOUR OFFICE WILL INTERVENE. THANKS IN ANTICIPATION. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Connecticut XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
A collection has been reported on credit profile by Collection Receivables INC, Account # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Trust Management LLC
State: AL

Complaint narrative:
I received a text message from my auntie about 3 weeks ago saying someone was trying to get in contact with me about a loan of somewhat I told her it might be a scam but she suggested I called the number anyway so when I called I talked to the nice lady she gave me the information I needed and I let her know that it wasnt me who have received the loan and told her the background of everything and more information she needed to know on the situation I know the person responsible and they have also owned up that they have did it but no more communication at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also my ssn is XXXX bank statement attached drivers license 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 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The original creditor was XXXX XXXX. I paid over {$300.00} in XXXX to transfer the phone over to XXXX. The rep from XXXX  advised that she would not provide the unlock code until i paid off the device. Now XXXX  is has sent I.C. Systems, INC after me trying to collect on the same amount i paid to switch over. I.C. Systems, INC has failed to notify me in writing in regards to the alledged debt. However, they have placed the account in collections on my consumer report.

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 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was notified by the credit card company that the XXXX credit card will be closed if do not charge {$1000.00}. I didnt and was issue a Rewards credit card. When I changed on the new card for the first time and sent the payment to the same po box that I have used since 2014, it didnt get processed and to this day it is unknown what happened to it. I was never notified of a payment address change nor if the address change had anything to do with going from XXXX to a Rewards card. 

I called the credit card company regarding the issue informing them of the payment and asking for address verification several times but there was silence. I was given a fax number to fax proof of payment to, which I did. I never heard back from them. During the first call I told them without address verification I will be blindly re-sending the payment and my next payment as well. Again nothing said. 
I canceled the first payment then resent it and the next payment to the same address hoping that the first payment had only got lost in the mail. The resent payment disappeared and the next payment was sent back to my bank. Wells Fargo was sent proof of payments but refused to accept them stating they want my bank account statements. No, no one looks at my bank account statement but me and the shredder. I feel wanting access to my bank statements is a major invasion of privacy. It would tell them who I work for, how much I get paid, where I shop, where I like to eat, who I pay my bills too and much more. That is way more than they need to know for proof of payment. 

I made two calls to them with the first one wanting the address verification, I got it on the second call. I went to Wells Fargo and made the payments to make sure there would no more issues. They gave me the number to call and make a formal complaint which I did. Next I responded to the investigation results from the formal complaint call.

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 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/22 I recieved a txt stating that XXXX dollars was being requested by someone on XXXX and if it was actually me who did this action. It stated it was from Chase via XXXX  fraund dept. I said no, and immediately got a call from the supposed fraund agent named XXXX. He told me to follow his instructions by going to my bank and finding the XXXX  app, to place XXXX dollars on this app.to be recieved back to me XXXX XXXX and it would be returned to me within 20 mins, to verify faurd. Within 30 mins. I called my bank and told them what happened and they said Chase wouldn't do that, well i didn't know. So they did an investigation and told me it was authorized and they wouldn't return my XXXX dollars. Now i only authorize it to come back to me and no one else. 
Sadly this is the only money i have in the world because i am an elderly person living on social security, this is devastating for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In early XXXX, I noticed a 15 % cash back offer, up to {$100.00} maximum on my Chase Freedom Unlimited Card for XXXX XXXX XXXX XXXX. I was excited since I wanted to book a hotel for a vacation and with this offer, the hotel I wanted was the cheapest by far. I booked the hotel, the XXXX XXXX XXXX ( a XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with the intention of getting the cash back offer that expired on XX/XX/XXXX. I thought all was well until the charge was posted on XX/XX/XXXX or XX/XX/XXXX and I didn't receive any news of any cash back, thus I called Chase a few days after ( on around XX/XX/XXXX ) to escalate a complaint to check that I should be getting my cash back. Today, on XX/XX/XXXX, I was informed that a letter was sent on XXXX informing me that the offer was not applicable since the charge posted on XX/XX/XXXX, which is past the deadline of XX/XX/XXXX, of which I have NO control over ( and I booked it on XX/XX/XXXX - well in advance of any XXXX hour holding periods ), and nobody was able to help me get the cash back offer I am entitled to. I even had another offer, activated a few days after the original one expired, expiring on XX/XX/XXXX, for 10 % cash back at XXXX XXXX, up to a maximum of {$100.00}. This offer also did not apply. Either way, I am out of the cash back I was promised and would have booked another hotel if I had known that I wouldn't be receiving any cash back from Chase, even though I made the transaction WELL before the expiration date of XX/XX/XXXX and definitely well before the second offer expiration date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 someone tried to open a credit card under my name at 'Nordstrom Card Services XXXX. I have informed the company to not to open ac account under my name as I am victim of ID theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I believe one of my family used my information to acquire cable internet from two different companies. I had recently turned XXXX at the time of this transaction. I was still finishing up my XXXX XXXX of high school. I didn't have a job. how can I sign up for two different cable providers? Became aware of this claim from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I paid this account in full back in XXXX. I was told they would delete this account from all 3 credit bureaus when the payment cleared. I called them after clearing and they gave me a fax # to fax a goodwill request and said it dhould be tsken care of in five days. I paid and stuck to my end of the agreement, now they received their money snd wont fufill their end. I request this tradeline be deleted from all 3 bureaus as agreed.

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I paid this account in full back in XXXX. I was told they would delete this account from all 3 credit bureaus when the payment cleared. I called them after clearing and they gave me a fax # to fax a goodwill request and said it dhould be tsken care of in five days. I paid and stuck to my end of the agreement, now they received their money snd wont fufill their end. I request this tradeline be deleted from all 3 bureaus as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I paid this account in full back in XXXX. I was told they would delete this account from all 3 credit bureaus when the payment cleared. I called them after clearing and they gave me a fax # to fax a goodwill request and said it dhould be tsken care of in five days. I paid and stuck to my end of the agreement, now they received their money snd wont fufill their end. I request this tradeline be deleted from all 3 bureaus as agreed.

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 2022-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellantis Financial Services US Corp.
State: IL

Complaint narrative:
I have been receiving harassing calls and visual voicemails from XXXX XXXX at First Investors XXXX for a XXXX XXXX who is apparently using my number to obtain fraudulent debts and attempting to evade said debts. However, I do not know this person, as this is a new number I received from XXXX a year ago when trying to resolve similar issues with XXXX  wherein I received harassing messages from creditors and even suppliers from a methadone clinic for a former XXXXXXXX  subscriber. I have reported to XXXX on several occasions the issues with the harassment from creditors on their recycled lines. XXXX  has attempted to resolve the issue by alleging that the Scam Caller ID option available through their service would prevent this, but it does not prevent the harassment. Instead, this service only sends the harassing calls in violation of TCPA and FDCPA to my voicemail, so I continue to receive the harassing visual voicemails. I receive at least one per day, and this has been going on since XXXX of this year. It is now XXXX, so the calls are incessant and will not stop. I tried to call the number back, but I can not reach a live human being to request a cease and desist. The robo-dialed service instead then verifies as if I am the debtor calling and continue to ensue with more harassment. XXXX has failed to protect me. The National Do Not Call List has failed to protect me. I have filed a complaint already with the FCC. My next step is to file a complaint with the Illinois Attorney General against XXXX for failure to block this harassment.

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 2022-09-12 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:
Almost 3 years ago, I was robbed. The person/people who robbed me stole my ID, credit cards, etc. I've been going through hoops with the credit reporting agencies to get these things off my reports. So, I was told to contact you guys and ya 'll would help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: OH

Complaint narrative:
These errors where sent on numerous of times and nothing has been done. I have sent letters to each company as well and nothing was even responded to. I have to seek and go the legal right I will. I have been reaching out for 6 months now. Also I sent a complaint through here On XX/XX/2022.

Company response to consumer: Closed with explanation