vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 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: The CBE Group, Inc.
State: SC

Complaint narrative:
Hello, I have never received my original contract with my wet signature and I never signed a contract with CBE Group and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached my license for proof of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Hello, I have never received my original contract with my wet signature and I never signed a contract with XXXX XXXX and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached my license for proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I receive notice on XXXX that an account has been added to my credit report, I immediately called the company to ask for a itemized bill and to verify the account and debt ; to this day I have yet to receive anything from them. No mail, nothing showing me how to dispute it! They are refuses to send me anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received 4 emails from Bank of America where I already have a credit card. 

The emails were in regards to a new checking account application being submitted, my email address being changed, my phone number being changed, and my checking account application being under review. 

I did not do any of these things so I opened my BofA mobile app and started a chat. The chat representative gave me a phone number to call. I called the phone number and the person I spoke with said that she saw no issues with my account, no changes, and no new accounts opened. I saw the same in my mobile app. She said the emails were likely a phishing attempt and I should mark them as junk. She said she would notate my account. 

On XX/XX/XXXX, I received a phone call to my cell phone regarding my accounts at BofA. I was confused because I had been told already that there were no accounts opened or changes made. The woman who called said that they believe the new checking account I opened to be fraud. I explained that I had called on Thursday, XX/XX/XXXX and spoke to someone who said that no accounts were opened or changes made and she was going to notate my account. This CSR did not see any notes on my account and confirmed that there was an account opened in my name. I asked to see the application and asked what information the individual had of mine that they were able to open the account. The CSR said she could not provide me with any of that information, but I should assume that I am the victim of identity theft and follow appropriate procedures. That was all the information she provided. No resources, no attempts to assist, nothing. 

Since, I have found the steps on my own and followed them, but I find it concerning that BofA would not be obligated to provide me with the fraudulent application or at least provide me with the information that was used to open the account on my behalf. Since it was not, what information does the fraudster have? What information should I be protecting? What information is likely to appear at other financial institutions that I do not have a relationship with where accounts could be opened in my name? 

How can consumers prevent fraud or protect themselves if these quite large institutions are unable to or unwilling to assist? Shouldn't there be an obligation to provide consumers with the details of the fraud perpetrated against them? If billions of dollars each year are being lost to scams and fraud, wouldn't it be beneficial for FIs like BofA and others to provide even just the basics of information? Shouldn't they be required to have a team of individuals trained in how to handle these situations?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: IL

Complaint narrative:
XX/XX/2023 Mortgage payment for XX/XX/2023 wasnt applied to my XXXX XXXX payment. Requesting flagstar bank correct Errors. Account XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
transaction dates are as follows in which I have not received payments as the money hasn't been deposited into my account. The customers have paid vis ACH funds and there was XXXX charge backs XX/XX/XXXX {$140.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$1100.00} Wellsfargo and XXXX XXXX XXXX are all ISO 's of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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:
I sent letters to XXXX, XXXX XXXX Equifax XX/XX/ and I still haven't received anything back. I am in the process of purchasing a house and this damaging information is interrupting the process. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax They have 30 days to respond to my disputes. This is a violation of my rights. I contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off reports. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 
Of which is a violation.Please reinvestigate accounts below and delete this incorrect information or accounts from my corresponding reports. 

Since no response was received all accounts should be deleted Immediately. 

Accounts that need to be investigated and deleted promptly XXXX XXXX XXXX XXXXAcct. # XXXX XXXX. XXXXAcct. # XXXX XXXXXXXX XXXX XXXX-Acct. # XXXX XXXXXXXX XXXX XXXX-Acct. # XXXX XXXX. XXXX XXXX XXXXAcct. # XXXX XXXX. XXXX XXXX XXXXAcct. # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Acct # XXXX XXXX. XXXX Inquiry I didn't authorize XXXX XXXX XXXX XXXX XXXX- Inquiry I didn't authorize XXXX. XXXX XXXX XXXX Inquiry I didn't authorize.

Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Employment : None Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

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.

If any of the purposes are not present please investigate and delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am trying set billing up on government/military allotment and the rep told me he didnt know what I was talking about. I ask him to do his job and research because I saw information online. I needed to verify that the information was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
I am reaching out regarding my rights according to the Fair Debt Collection Practices Act, Specifically Section 806. Harassment or abuse.

Under Line ( 5 ) it is stated : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number would be violation of this section. 

I feel that I have been continuously abused, and harassed by Exeter Finance, the lender currently holding the lien on my XXXX XXXX XXXX. Below, I will show the numerous phone calls I receive within a month. Using different phone numbers, calling 2-3 times per day within 30-minute intervals each time. 

Under the Debt collection rule collectors are presumed to violate the law if they place a telephone call to you about a particular debt more than seven times within a seven day period. 

The increased stress from these harassing practices has a hindrance in both my daily life, and mental health. Which in turn makes my ability to faithfully repay my loan rather difficult as I feel constantly under pressure by Exeter Finance. 

From Friday XX/XX/XXXX XX/XX/XXXX they called 9 times in a 6 day time frame. ( Considering they are not able to reach out on Sunday, potentially 5 days. ) Each of these phone calls were placed within 30 minutes of each other. 

On XX/XX/XXXX I was called 4 times, first at XXXXXXXX XXXX, XXXX, XXXX, and at XXXX EST. XX/XX/XXXX I was called at XXXX, on XX/XX/XXXX three calls were made at XXXX, XXXX, and XXXX. Resulting in 8 phone calls within 4 days. 

Below I will show my call logs, which will show the number of violations against my rights according to the Fair Debt Collection Practices act. 

As evident in the video attached, this is a reoccurring theme throughout the loan with Exeter Finance, breaching my rights numerous times. 

They have also been contacting my mother, who is not involved in the loan, so that would add to the excessive phone calls placed to collect my late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My mortgage loan was with XXXX XXXX ( act # XXXX ). It was later transferred over to NewRez, although the payments continue to be made to XXXX XXXX. Apparently, XXXX XXXX subservices the loan. 

Sometime after the XXXX statement, there was some kind of change ( Loan continues to be subservised by XXXX, and continues to be under NewRez. However, aside from the monthly mortgage and escrow payment, they charged a {$1200.00} fee. 

I called them multiple times asking about this fee, and all they tell me is that it's a processing fee. I have never heard of anything like this. They just decided to tack on {$1200.00} to my mortgage payment which I have not paid, and has been carried over month to month. 

I have tried looking on the internet to see if anyone has received anything like this, and found nothing. I don't understand how a company can tack on {$1200.00} just because they feel like it. I have never been behind on my payments ( even during XXXX ). I have made all my payments on time. 

PLEASE 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
Consumer complaint received 2023-03-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: OH

Complaint narrative:
Got an alert on my credit report & checked it out. This account was open online and fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, Pa XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my XXXX XXXX credit report. I recently retrieved my credit report and it showed 3 credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report : XXXX  XXXX ( XXXX ) XXXX XXXX ( 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 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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