vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 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: NC

Complaint narrative:
I attempted to buy XXXX XXXX tickets on XX/XX/XXXX through a company called XXXX for XXXX I never received my tickets for the game. I filed a claim with my bank which is Bank of America, claim number is XXXX. I sent to them all of my documentation of the transaction from begining to end. I waited the full 90 days for them to investigate. I spoke with them yesterday on XX/XX/XXXX and they told me there's is nothing they could do for me and I just lost my funds. What good is it having a cliams department that is not on your side. I never could get with anywhere with the merchant and I never got my tickets and the game was XXXX I feel scammed and used by the merchant and my bank. The claims department phone number is XXXX ... what can you guys do for me, thanks in advance. I have been a valued customer of BOA for years, I don't understand.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THERE ARE UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CONSUMER REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, AND THEREFORE, IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

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 2022-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I would like my loans to be included in the lawsuit for not being told about the income base repayment program for years and years leaving me with a crushing debt over my head. If I do ever get a good paying job, the loans will keep me in poverty for the rest of my life. I owe over 120,000 for a bachelor 's degree. I reached out to XXXX and no response and now they transferred everything to this new lender aidvantage so I really cant get any answers now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Sequium Asset Solutions sent me a completely fraudulent collections bill for {$300.00}, ostensibly from XXXX XXXX XXXX. I paid the bill immediately thinking I had forgotten to update a new ATM card with XXXX XXXX XXXX. Sequium even contacted all three credit agencies to report the alleged default. 

I contacted XXXX XXXX XXXX the next day and XXXX XXXX XXXX said I owed them nothing and was not late on any payments. I called Sequium and they insisted the collections was legit. 

I contacted XXXX and they initiated a case with Sequium. Sequium was unable to provide any kind of proof and the alleged strike on my credit report was removed by all three agencies. I have contacted the District Attorney of XXXX XXXX, GA to inform them of this criminal activity by Sequium also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: IL

Complaint narrative:
Since XX/XX/XXXX, I have been dealing with the credit bureaus to remove accounts fraudulently reporting to my credit reports. XXXX and XXXX removed the accounts immediately. As they should! However, Transunion removed 1 out of 5... I sent them a second letter on XX/XX/XXXX. They sent me a letter claiming I was working with a third party company. I am not. They are sending me a letter to deter me and try stall and not work on my file. This is not ok and in violation of my consumer rights. They sent me this letter, and left no dispute remarks on the fraudulent accounts. They did not send any documentation on how they can prove I am working with a so-called third party, and they never verified the information as accurate. These are all violations.

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 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
During the month of XX/XX/2022, I received many calls from a number I did not recognize and therefore did not answer ( XXXX XXXX XXXX ). On XXXX I finally answered. It was a debt collector representing XXXX XXXX and/or XXXX XXXX pursuing debt incurred by a XXXX XXXX of XXXX NJ XXXX I explained that my name is XXXX XXXX XXXX and have never had an account with XXXX XXXX or XXXX XXXX. I have lived at XXXX XXXX XXXX, XXXX Pa for the last 35 years and have never lived in XXXX NJ. They indicated that my phone number was tied to the XXXX account. My phone number is XXXX XXXX XXXX which is a PA area code. I have no idea how my phone number was attached to this account. The individual I spoke to named XXXX seemed to understand this was a case of mistaken identity and indicated fraud might be involved. XXXX indicated he would correct the issue and contact a credit bureau to insure my credit would not be tarnished. I thought that was the end of it. On XX/XX/2022 I received the attached documents. It would appear that my address is now also linked to this account. On XX/XX/2022, I talked to XXXX of XXXX XXXX ( XXXX XXXX XXXX or XXXX XXXX XXXX ). When I initially made the call, the auto answer indicated my phone number was linked to an account there. Clearly my phone number was not disassociated from the account I did not have. XXXX too seemed to understand the mistaken identity and indicated she would correct it. I am filing this complaint in case she does not correct it. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Consumer Financial Services
State: IL

Complaint narrative:
This company keeps running a credit inquiry on my report for no apparent reason. They call and harass me saying they will XXXX me. Its becoming very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
I received a hard inquiry on my credit report from XXXX XXXX on XX/XX/2022. I have not asked for a new card or a credit increase. I spoke with XXXX XXXX and they said it doesnt show that I applied on there end but it does show on XXXX XXXX report. I would like for this to be removed. I also have other hard inquiries from other accounts that I did not request can they all be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
ON XXXX XXXXXX/XX/2022 I received a text fro TDBank with my first name welcoming me to the account giving me a reference number and telling me it would be a snap to finish setting up the account. 
searched online and found the XXXX number to TD Bank and called them to see if an account was opened in my name and the representative verified an account was opened in my name with my address. She told me to call TD Bank Fraud.

I called TD Fraud and was told that the investigators would send me information. I requested that the account be closed because I DIDNOT open the account. I was told they could not give me information but that someone would be in touch with me. I asked for a confirmation number of something to verify it was closed and was told I couldn't have any information, but that his name was XXXX and that the call was started at XXXX on XX/XX/2022. I was also told that a letter would be sent to me. I was not told when the account was opened nor what type of account nor if the type of activity on the account. TD Bank was very unhelpful but they allowed someone to open up a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My complaint is that WellsFargo does not disclose how payments are applied to balance transfer fees or other fees. There is no written document that explains the process. They also do not provide information on the credit card statement that indicates how payments were applied to the account. For instance, how much of a payment in excess of the minimum was applied to fees, balance transfers, cash advances, or regular purchases. 
This practice has caused me to incur interest charges on my purchases. On XX/XX/XXXX, I made a payment of {$460.00}. Upon calling the company and speaking to both XXXX and XXXX on XX/XX/2022 I was informed my payment was allocated as follows : {$73.00} to minimum payment ( which was only supposed to be {$71.00} ), {$160.00} to purchases and {$220.00} to a balance transfer fee that is 0 % interest. These representatives also told me that payments are applied as follows : Minimum payment, highest to lowest APR, promotional balances, fees, and lastly principal. I filed a case XXXX and was assigned to XXXX XXXX In the executive offices. She never called me. I always had to call her. She no longer answers my calls. On XX/XX/XXXX I called her and was told that she asked another department how the fee should have been applied because she could not find any language in the documents. I called again XX/XX/XXXX and she told me that department did not know, so she was waiting on another. On XX/XX/XXXX I left another message. When I never heard back I called the main number for XXXX offices and spoke to XXXX. He said XXXX mailed a letter on XX/XX/XXXX explaining the decision. I had specifically requested the findings in an email. I asked for a manager, someone above XXXX and was told they were all in meetings and XXXX would call me the next day. She never did. I received the letter on XX/XX/XXXX that said they could not document any conversations with any representative about fees. I know the exact date, time and person I spoke with each time I called. She enclosed the terms and conditions for a credit card, but it was not for my type of card, as mine was an existing card, not a new account. Nevertheless, it did not mention how fees were paid. In fact, it specifically says higher interest rate balances are paid first. She did not disclose how she determined that fees are supposed to be paid first. I have since reopened the case.

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 2022-02-08 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: GA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Mark A. Kirkorsky, PC
State: AZ

Complaint narrative:
In XXXX of XXXX my fiancee and I returned a vehicle due to not being able to afford the payments. Later that year the started garnishment on her wages. That stopped when she went out of work due to the pandemic. In XXXX of XXXX the company seems to have hired a law firm to collect the debt. They have now started garnishment of my wages without contacting me but did so by contacting my employer. I have received no ability to contest and no amount they are trying to aquire. They will not receive or return my phone calls. They just take 25 % of my wages without any communication. I have attempted to contact the states attorney generals office but also with no return information. I can seem to get no answers about what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
I have been incorrectly charged in the amount of {$2300.00} for force-placed homeowners insurance when I already an insurance policy, for which I have provided copies of policy both via emails to XXXX and attachments on your company website. Here are the dates that I have provided proof of insurance to the company : XX/XX/2021 An e-mail that includes a screenshot of acceptance of insurance policy on your companys website. 
XX/XX/2021 An e-mail that includes proof of insurance that covers XXXX through XX/XX/2021. 
XX/XX/2021 An e-mail that includes proof of earthquake insurance. 
XX/XX/2021 An e-mail from our insurance agent with a message from one of your representatives stating that forced placed was resolved. 

A letter to Network Capital Funding Corporation was sent on XX/XX/2021, requesting for this error to be corrected and the insurance bill to be refunded. I have not received a response to correct this error.

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 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: AL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: NY

Complaint narrative:
Fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
They been sending me this for over ten years and they refuse to send me date of service and copy of original invoice, like I have requested. I have no idea what they talking about. There should be a law to prevent reporting agency from putting this on a person report without first investigating it their self and send a letter to the people, to verify if its a true statement..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: FL

Complaint narrative:
Im a XXXX veteran who informed XXXX XXXX XXXX XXXX as early as XX/XX/XXXX that I was in forbearance with XXXX XXXX XXXX while my loan was being transferred to XXXX. Ive been trying to get this problem corrected since XX/XX/XXXX. XXXX XXXX XXXX XXXX has been hurting my ability to refinance my mortgage to a lower interest rate. I have disputed this problem with the credit bureaus on at least XXXX occasions. And, on at least XXXX times provided proof from XXXX XXXX XXXX that I was not delinquent or past due to XXXX XXXX XXXX XXXX XXXX Department and Customer Service with no fair treatment and still unfair credit reporting from XXXX XXXX XXXX Mortgage. I have exhausted all my efforts trying to resolve this problem. 
I was current on my mortgage payments and I had never missed a payment before being approved for loan forbearance. My mortgage company, XXXX XXXX Mortgage XXXX has been reporting that Im past due since XX/XX/XXXX even though the forbearance rules and this companys forbearance policy informs that there would be no negative credit reporting. My loan was transferred from XXXX XXXX Mortgage to XXXX during XX/XX/XXXX. I was in active approved forbearance with XXXX XXXX XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. I was approved for forbearance in XX/XX/XXXX before my loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX Mortgage. 
I provided my XXXX XXXX XXXX Forbearance Approval letter as proof to XXXX XXXX XXXX research department twice as requested. XXXX XXXX XXXX Mortgage asked me to have XXXX XXXX XXXX e-mail XXXX XXXX department the forbearance letter proof again in XX/XX/XXXX. XXXX XXXXXXXX XXXX directly e-mailed XXXX XXXX XXXXXXXX XXXX Research department my forbearance approval letter on XX/XX/XXXX. XXXX continues to report to the credit bureaus that Im XXXX days past due, not more than XXXX months past due, and delinquent since XX/XX/XXXX. Moreover, XXXX will not even acknowledge receipt of my forbearance approval letter from XXXX XXXX XXXX as of this date, XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Navy Federal Credit Union has reported a fraudulent account on my credit reports. I have contacted them several times once I discovered these active accounts. They years later are on my credit report even though I have disputed them several times. XXXX, XXXX, and XXXX refuse to remove them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Consumer Financial Services
State: IL

Complaint narrative:
This company keeps running a credit inquiry on my report for no apparent reason. They call and harass me saying they will sue me. Its becoming very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
XXXX checking accounts were established with TD Bank using my my name and address. I do not have any accounts with TD Bank. I was first alerted by mail on XXXX, XX/XX/2022 with XXXX account alerts of insufficient funds. On XXXX XX/XX/2022, I received XXXX visa debit cards and XXXX check books with these same accounts. I reported this fraudulent activity to TD Bank who has suspended the accounts and is launching an investigation.

Company response to consumer: Closed with non-monetary relief