vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good afternoon, I am contacting the Consumer FInancianl Protection Bureau for an HELOC for {$60000.00} which I took from countrywide on XX/XX/XXXX. However, Countrywide went out of business and Bank of America took over, servicing or bought the account. In XXXX Bank of America extended an HELOC for {$80000.00} for the purchase of a business on the same property. However, Bank of America sent me a forgiveness letter on XX/XX/XXXX forgiving that {$80000.00} HELOC I took out on my house from BOA, but it did not record a satisfaction nor did it send me a forgiveness letter reg

arding the first {$60000.00} from the HELOC originated from Countrywide. However, Public record shows the HELOC from countrywide was satisfied on the same date as BOA recorded its mortgage satisfaction for the {$80000.00} it forgave, but there is no document on the clerk 's website showing a satisfaction that was recorded by BOA for the {$60000.00} HELOC issued by Countrywide and took over by Bank of America. Now there is new servicer that is trying to collect on the same old {$60000.00} HELOC issued by countrywide. Its name is XXXX XXXX XXXX, XXXX. XXXX indicated that that HEL

OC was a second mortgage, which was not because it was an HELOC I took after I owned the property well over two years. I believe they disguised it as second mortgage to evade the settlement for preditory lending by Countrywide. I am requesting assistance to look into that whether BOA failed to take steps to record
a satisfaction for that HELOC issued by countrywide and forgive that loan under the term of the settlement agreement with the Department of Justice and the State Attorney General I am attaching a copy of the forgiveness letter and copy of the document that showed the {$60000.00} was satisfied.

I look forward to hearing from you.

Best regards,

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 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My loan was sold to Shellpoint from Green Tree.

Shellpoint put my wifes name on the loan. My wife has NEVER been on the loan. Shellpoint has started putting my wife on the mortgage statements. She has never been on the loan from the start. I want her name to be removed from the loan. She was never on the loan. Remvoe her name from the mortgage statement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: WV

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Servatus Corporation
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this CREDIT SOLUTIONS CORP was reporting to be negative on XXXX  and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: WA

Complaint narrative:
I have a collection on my experian credit report in which I have legal Documentation showing no parties were awarded. Experian continues to say the creditor shows proof. I have a court signed affidavit showing they were awarded nothing.

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 2021-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I XXXX XXXX, a consumer ; natural born person, am extremely upset that my demand to obey my federally protected rights has been ignored. It has now been 30 days & I have yet to receive correspondence. I want to initiate a complaint that you are Violating my Federally protected rights under the Fair Credit Reporting Act 15 USC 1681. 
Under penalty of perjury, truthfully state that the accused CRA is in violation of multiple federally protected rights. 
[ 1 ] - Under penalty of perjury ; the accused is in violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - Definitions ; rules of construction ; ( 2 ) Exclusions. the term consumer report does not include ; ( A ) any ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
[ 2 ] - Under penalty of perjury ; the accused is in violation of 15 U.S. Code 1681a ( 2 ) ( B ) - Definitions ; rules of construction ; ( 2 ) Exclusions. the term consumer report does not include ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

[ 3 ] - Under penalty of perjury ; the accused is in violation of 15 U.S. Code 1681o - Civil liability for negligent noncompliance - ( a ) In general ; Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure. 
[ 4 ] - Under penalty of perjury ; the accused is in violation of 15 U.S. Code 1681a ( 4 ) - ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
[ 5 ] - Under penalty of perjury ; the accused is in violation of 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under penalty of perjury I am seeking a final opportunity to cure or I will seek suit for ; violations of 5 federally protected rights, damages to my to my character, and damages to my reputation. If the opportunity to cure is not satisfied I will follow up with notarized affidavit and seek legal remedy.

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 2021-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 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: WV

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX, I mailed Transunion regarding the incorrect information on my credit profile Regarding a Federal Filed Bankruptcy XXXX containing incorrect Information such as ( FILED US BANKRUPTCY COURT ). Transunion updated the report to reflect I disputed the information. 

On XXXX I mailed the " United States Bankruptcy Court Eastern District '' regarding the release of information. on XX/XX/2021, I received a letter in return from the Court stating in short " we do not provide or release any personal information to the credit reporting agencies ( said letter attached ) Transunion on XXXX updated and sent me their investigation findings as ( VERIFIED ) letter attached. I did not received the VOD from Transunion. 

I once again on XXXX requested a RE-INVESTIGTION from Transunion regarding the incorrect information and requested if they could not provide me with the verification of the investigation which I am in titled to to please delete this file immediately. I received no response back from Transunion regarding my request into this matter. 

On XXXX I once again mailed certified to Transunion a request to RE-INVESTIGATE my file. 

On XXXX Transunion once again sent a letter stating ( Item Verified ) and no verification method was provided with said letter. 

I have on four ( 4 ) numerous occasions followed and requested Transunion to conduct a proper Investigation into this matter. Transunion however feels that it does not have to comply the same we ( the consumer ) do with the process and seems unfair to me to have to continue to spend time and money because they want to bypass the process and determine on their own what is verifiable or not.

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 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo is not providing accurate information through their statements and online tools so as to charge overdraft fees illegally. They are committing theft.

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 2021-07-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Claim Number : XXXX I have multiple transactions showing up on my bank statement as " XXXX. '' The transactions total about XXXX. -- - On XX/XX/2021, I contacted Wells Fargo and informed them that the charges were not authorized by me and that I have never had any dealings with XXXX. They informed me that they would get back to me within 2-10 business days. -- - On XX/XX/2021, I received an email from Wells Fargo informing me that the claim had been completed and a letter detailing the resolution would be mailed to my home address. -- - Immediately upon receiving the email, I contacted Wells Fargo to obtain more information regarding the resolution of my claim. I was then informed by an agent of Wells Fargo that my claim was denied ; however, she did not have any more information regarding the claim available to her and that I should wait for the letter in the mail. After repeatedly requesting to speak to someone " immediately '' regarding the issue, the agent transferred my call to the Claims Resolution Department. -- - The Claims Resolution Department representative informed me that my case was closed and that the reasoning for the denial was " previous transactions with XXXXXXXX, '' which I presume is the business behind the " XXXX  '' transactions at issue. -- - I then informed the representative that at the time of opening my claim with Wells Fargo, I informed the representative who opened my claim that I had " never transacted with XXXX  '' and I did not use any XXXX I further informed the representative that I informed the representative that opened my claim that I never transacted with XXXX  and that this information was stated on a recorded line for them to review. -- - Simply put, there are unauthorized fraudulent transactions on my account from sources that I have never personally transacted with. If there are prior transactions that are not included in my claim, the proper action for Wells Fargo to take is to include those transactions in my claim since I stated that I never transacted with these entities. -- - Instead, Wells Fargo denied and closed my claim. This is outrageous and despicable that over XXXX dollars can be taken from my account by unauthorized transactions and Wells Fargo could somehow close this claim without even speaking to me or asking any follow-up questions for over 10 calendar days before simply sending an email and denying my claim. -- - I would like my XXXX back immediately and also any other funds that were lost by " XXXX  '' transactions. -- - Please assist me in recovering my funds from Wells Fargo who is supposed to have an obligation to not hold me accountable for fraudulent transactions. -- -

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 2021-07-22 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: CA

Complaint narrative:
I am a victim of Identity theft. There are fraudulent inquires on my credit report that I noticed. I attached my Identity theft report with my State ID

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 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a purchase for a service XX/XX/XXXX I never received the materials for the class so I decided to ask for a refund since I never attended the zoom classes either. Refund was never issues by merchant and credit card company wont help me either. They denied my dispute claiming the merchant stated I attended the XXXX classes which I did not.

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 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: HI

Complaint narrative:
On XX/XX/XXXX I had {$3800.00} USD in my coinbase account to transfer to my bank. I went to login in to add my banking information and Coinbase froze my account and has been holding this USD hostage. I continuted to attempt to contact coinbase, but they have no phone number or email and only bots answer their inquiries. I opened up a formal complaint with coinbase who then tried to close my account. Attempts to communicate to coinbase are on ... 
XXXX : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX On XX/XX/XXXX, a formal complant was recognized with case # XXXX On XX/XX/XXXX i submitted an escalated case that would not reply until the former complaint was solved. Complaint # XXXX The issue is that I have USD in my coinbase account, but coinbase will not allow me to access this cash to transfer to a bank or other location. They will not respond or reply. The escalated case and original complaint are a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: MN

Complaint narrative:
Experian was notified that one account is not open for years. It relates to a XXXX/XXXX credit card. I have have contacted the vendor - and that vendor can not find my name or address or anything related to me. I have contacted Experian twice and this does not seem to be resolved.

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 2021-07-22 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: CA

Complaint narrative:
I am a victim of Identity theft. There are fraudulent inquires on my credit report that I noticed. I attached my Identity theft report with my State ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: AL

Complaint narrative:
On XX/XX/2021 i filed an identity theft report with the ftc because I am a victim of identity theft. my information is in the wrong hands and my information was compramised by the equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstCollect, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX upon reviewing my paycheck I noticed almost {$300.00} were missing, after contacting payroll services i became aware that a " garnishment '' had been placed under my name in the total amount of {$680.00} ( don't know if there are more to come ). Contacted XXXX and they referred me to XXXX under a collection agency apparently called " first collect '' and spoke to " XXXX '' who would then inform of a hospital bill under my name. The hospital is " XXXX XXXX XXXX '' in XXXX DE, according to XXXX from First Collect, this people used all my info and even took advantage of using my own medical insurance, the " date of judgement '' is XX/XX/XXXX so i have no idea when the incident actually happened. Needless to say I have NEVER in my life visited the state of Delaware and have never had the need to visit a hospital in my life. I was able to provide an address for the collection agency to send to my job in order stop garnishing my funds and I was also made aware that the funds that have been taken out of this paycheck is " supposed to be reversed '' i just don't know if its true or when this will be done. This situation completely took me off guard because I have never seen a medical bill from this place in my credit report and i have never received a letter of collection to my address in TX or a phone call which makes me think the fraudster may have given some of her contact info. The only other information I know ( from the collection agency ) is that aside from using all my info there was an address in " XXXX Delaware '' on file but the actual address was not given to me. So this person might still live there. I do believe this may be an undocumented person using my information to work because back in XXXX I almost got denied for unemployment due to the fact that " I was working in the fields '' but it was definitely not me as there has not been a need for me to work in this line of business. This ( i suspect ) is due to a car break before XXXX in in where someone stole my SSN, birth certificate, ID and a few other documents items that were left behind in my purse ; A police report was made under the car owner ( my friend ) in XXXX TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: FL

Complaint narrative:
I ask you to remove and delete forever the accounts that are not mine. I am very XXXX became a victim of identity theft and can not do anything in order to remove these fake items. I am kindly asking you to move towards resolution of my situation and help me to remove these items. Please I rely on ur help

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