vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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:
Regarding Claim # XXXX On XX/XX/2021 there was an Unauthorized Money Transfer of {$4200.00} out of My Bank of America Account ending in # XXXX to a Unknown Account without My Knowledge or Permission. 

I was notified Immediately of this from a Alert I chose to add just in case something like this might happen Regarding My Account. 

The Alert said Congratulations Your Money Transfer was Successful. 

I did Not Authorize this Transfer or the 5 Unauthorized Transfers that I had before that were Transfered without My Permission and all were Returned Successful when I filed a Claim Immediately upon notification of Unauthorized Electronic Transfers. 

When this happened on XX/XX/2021 I Immediately Reported it to Bank of America Claims Department like I have the previous 5 times. 

I did not Consent or give Permission at any time for My Funds to be Transferred out of My Account to some Unknown Account that I don't know where or whos Account it belongs too Now 6 months later I'm still without My {$4200.00} that was Unauthorized Electronically Transfered. 

Bank of America is Not Coraperating with Me regarding Return of My Unauthorized Money Transfer. 

I filed and Submitted a XXXX XXXX Police Report, just like Bank of America Suggested.

I only use My Phone when doing Business with Bank of America and If checked it will show My phone was never used to Transfer Money. 

Bank of America has had plenty of these same Unauthorized Electronic Money Transfers so why are they saying it was Approved so No Error Occurred. 

It was Not Authorized by Me and I filed a Claim the Moment I was Notified. 

Since it was end of XXXX and We know XXXX and XXXX are Big Holiday Months My Claim was not given Full Priority or given much into Investagateing this Crime. 

As of Today I'm still asking Bank of America to Correct this Error that only they could of Prevented. 
and Reimburse My Account back to the XXXX that was Criminally taken from Me on XX/XX/2021. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California 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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. 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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. 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 explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Synovus Bank
State: FL

Complaint narrative:
I received an email from a credit card company named XXXX XXXX XXXX on XX/XX/2022 at XXXX. It asked me to open an attached PDF that had important info about a XXXX XXXX XXXX application that was submitted on XX/XX/2022. The email had my first and last name correct. I did not open the attachment. I started calling all 3 credit bureaus to place a freeze on my credit because I did not apply for this credit card. After signing up for XXXX ID Patrol... .I was able to look into my three reports where I found that a hard inquiry had been conducted on my credit report through XXXX XXXX : SYNOVUSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This was completed on XXXX. 
I called the phone number and a person named XXXX stated that they are not XXXX XXXX but are called XXXX XXXX and would not help me unless I provided my social security number or the credit card number. I was not willing to tell them my social security number and I did not open the attachment so I do not have an account number or the credit card number. This is a fraudulent application and credit inquiry that is on my credit report. I want it removed and want the credit not to be issued because I did not apply for a credit card. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is very frustrating XXXX  XXXX and TransUnion have been reporting false report on my credit since 2019 Everything I highlight are wrong and need to be remove from my credit profile ASAP I'm writing to you regarding discrepancies I have found on my credit report. 
Those collections are being reported with late payments. A collection is by default late. Delete account from my credit report immediately Once you have finished my request please send me an updated credit report reflecting my request. 
I will submit my complaint to XXXX  XXXX headquarters

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 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I have someone using my social with my maiden name XXXX. I am XXXX as of XX/XX/XXXX. They have tried to open checking accounts with XXXX XXXX XXXX and XXXX XXXX. I have filed fraud with them. This happened on XX/XX/XXXX. I filed a police report on XX/XX/XXXX. Case number is XXXX.On XX/XX/XXXX I had a credit card opened in my name with NetCredit. I contacted this place and got the run around that I needed a new police report. I called and made another one with XXXX XXXX sheriff. I froze my credit with the bureaus except XXXX stated I didnt file in time for that so they wont remove any hard inquiry in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
On XX/XX/22 I identified an unauthorized hard inquiry on my credit report by a company named XXXX Avant/ Avant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX IL XXXX. I immediately contacted them at ( XXXX ) XXXX and asked why they pulled my credit without my authorization at which time they stated that someone had opened an account with them using my information. They also stated that the account had not been funded. After a series of questions they stated that their Fraud Department would be handling this case and that they would be in touch with me in a few days. I waited a week before calling them to find out what was happening and got nothing but poor excuses. On XX/XX/22 I received an Identity Theft Victims Complaint and Affidavit in which I immediately completed with a Law Enforcement Officer XXXX. Upon completion I emailed it back to them at XXXX per their instructions. On XX/XX/22 I contacted them again to ensure that they had received the Complaint and they refused to tell me anything!! also refused to tell me that they had received it even after they verified my identity, They were acting very suspicious so I went to the XXXX  XXXX XXXX and looked up the Company and was horrified to find multiple issues with this company EXACTLY like mine. This company needs to be investigated and shutdown for its possible criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I created a police report today XX/XX/2022 which I have uploaded to this website to dispute a loan that is being reported as paid each month under my name. I learned about this loan under my name when I decided to log into Experian and get a copy of my credit report. This doesnt make any sense and it should be removed from my credit report. I made an identity theft claim and I told the police that I do not know why this loan is being reported as paid under my name every month. The specific account that Im disputing with Experian and the Consumer Protection Bureau is a loan called U.S. Dept of EDXXXX in the amount of {$41000.00} and the account number is XXXX. This is suspicious activity and I want the police to investigate it. Why is this loan being reported as paid every month under my name when I dont even know what this is? I called Experian this morning to confirm that I can upload a copy of the police report to the email that I received confirming that my claim is being investigated. Ive attached a copy of my passport, Social Security Card and a Bank statement with my Address on it. Please remove this loan of my credit report. I have proof that this is identity theft because why is this loan being reported as paid every month if I dont even know what it is? Alright, Im going to mail in these documents also so that you guys have a copy.

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 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo recently closed a XXXX XXXX  personal checking account of mine without notice or explanation. I have had the XXXX XXXX  account since I was a teenager in XXXX. Since that time, it has been in my name and my grandmother 's and used to transfer money occasionally between the two of us. On XX/XX/XXXX I received a message that this account was closed on XX/XX/XXXX. The message did not include an explanation or a means to reopen the account. In XXXX, Wells Fargo had tried to close an Everyday Checking account of mine that had been inactive, but explained that I could reopen it with account activity and so I brought it into compliance immediately. In this case, Wells Fargo did not give me that option or explain to me why it had closed the account. This was a shock. I called Wells Fargo on XX/XX/XXXX and complained to a representative who transferred me to a level 2 specialist who submitted an internal complaint on my behalf and who explained that the account was not able to be reopened. The representative was also not able to give me satisfactory explanation as to why the account was closed- they had attempted to say the account was closed due to being negative as a result of an overdraft. However, that was false - although I did overdraft in XXXX due to accidentally giving the wrong account number as a method of payment, the overdraft amount was borrowed from my Wells Fargo credit card and I immediately replenished that amount plus the fee. She then tried to say that it was due to inactivity, which didn't make any sense because I often leave this account inactive over the 25+ years that I've had it. I also do not believe that anything in my original customer agreement with Wachovia ( the originator of the account before they merged with Wells Fargo ) allows for the bank to close the account due to inactivity. She also attempted to say that Wells Fargo had sent me communication about the account closure prior to the actual closure - that is simply not true. There is no record of the communication in the Wells Fargo Message Center where they have sent me other similar messages about account inactivity, etc. The complaint number she gave me was XXXX. I do not expect a reply from the internal complaint and due to Wells Fargo 's history of nefarious practices with account closures, I am submitting this complaint to CFPB to inform CFPB that Wells Fargo is still up to its old tricks.

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 2022-05-19 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
NAVY FEDERAL CREDIT UNION has filed a 1099C with the IRS an still attempting to collect an alleged debt after selling the debt to a third party debt collector. ( which is fraud ). NAVY FED is in violation of 15 USC 1692a ( 2 ) and 18 USC 894.

NAVY FED knowingly furnishing fraudulent information is in violation of 15 USC 6821 ( a ) ( 2 ).

15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprsoned.

NAVY FED does not have my permission in writing or verbally to report information on to my federally protected consumer report.

I have informed the CEO several times of their fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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:
There has been a stream of accounts opened under my name and social security number. I did not recognize nor authorize any of these accounts that I have reported. 


XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX the following inquiries are fraudulent ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2022-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
CFPB Complaint No. XXXX was submitted and an NCA attachment was provided in response, however the response can not be accessed by the consumer. 

-- - I was notified by National Credit Adjusters , LLC that an owed balance of {$300.00} was placed in collections for a XXXX XXXX loan that is more than seven years old. I was not formally been notified about the debt, prior to the call or prior to the debt being placed in collections. It was not identified if these people own the debt or are a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: MA

Complaint narrative:
I created a police report today XX/XX/2022 which I have uploaded to this website to dispute a loan that is being reported as paid each month under my name. I learned about this loan under my name when I decided to log into XXXX and get a copy of my credit report. This doesnt make any sense and it should be removed from my credit report. I made an identity theft claim and I told the police that I do not know why this loan is being reported as paid under my name every month. The specific account that Im disputing with XXXX and the Consumer Protection Bureau is a loan called U.S. Dept of ED/XXXX in the amount of {$41000.00} and the account number is XXXX. This is suspicious activity and I want the police to investigate it. Why is this loan being reported as paid every month under my name when I dont even know what this is? I called XXXX this morning to confirm that I can upload a copy of the police report to the email that I received confirming that my claim is being investigated. Ive attached a copy of my passport, Social Security Card and a Bank statement with my Address on it. Please remove this loan of my credit report. I have proof that this is identity theft because why is this loan being reported as paid every month if I dont even know what it is? Alright, Im going to mail in these documents also so that you guys have a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
I have a house mortgage with Arvest Central Mortgage. I have my escrow account with them as well. Now last year my house loan was sold by previous lender to Arvest Central Mortgage along with the escrow account. Now I would like to remove the escrow, so I reached out to Arvest and they are saying that I'll have to pay 0.25 % fees of outstanding principal amount. Which is very unusual, unfair, and not standard practice. Usually if the home owner has put 20 % down payment then usually I have never seen another bank/lender asking any fees for removing a escrow. Also, my previous lender told me that when you remove escrow you will not be charged any fees with this new Arvest Mortgage lender.

Company response to consumer: Closed with explanation