vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 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: FL

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. 

Account name : XXXXXXXX XXXX  XXXX with account number displayed as XXXX on my XXXX  XXXX report, shown as XXXX on my XXXX report, and alleged as XXXX on my Equifax report. 

Account name : XXXX XXXX with account number displayed as XXXX on my XXXX  XXXX report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on Equifax in this reported claim on my Equifax report XXXX 

Account name : XXXX XXXX with account number displayed as XXXX on my XXXX  XXXX report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on Equifax in this reported claim on my Equifax report XXXX 

Account name : XXXX XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX XXXX XXXX * * on my XXXX report, and alleged as XXXX XXXX XXXX * * on my Equifax report. 

Account name : XXXX with account number displayed as XXXX on my XXXX XXXXXXXX report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on Equifax in this reported claim on my Equifax report XXXX 

Account name : XXXX  with account number displayed as XXXX on my XXXX XXXXXXXX report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on Equifax in this reported claim on my Equifax report 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 2023-02-27 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: IL

Complaint narrative:
In XX/XX/ 2023, a Bank of America ADV SAFEBALANCE BANKING account was opened under my name using my personal information. I did NOT click any links in the email. 

I forwarded the emails in case they were fraudulent, to " abuse@bankofamerica.com '' as instructed on the BOA informational page. 

No one contacted me. 

Another number ( ending in XXXX ) called me on my personal cell phone - I did not give them any personal information. 

I called BOA and found out the account opened was real. They closed the account for me.

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi I'm a senior citizen and a victim of identity theft. TransUnion XXXX has posted a Bankruptcy on my credit that isn't mines. I need this updated on their report and verified

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 2023-02-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I made a {$7000.00} purchase at XXXX XXXX XXXX and was offered a 0 % interest to XX/XX/XXXX store card through Comenity Bank. 

- on XX/XX/XXXX, I paid the card in full in the amount of {$5900.00}. I miscalculated and the amount was overpaid by {$200.00}. 
- on the XXXX statement, the overpayment was shown and it indicated the {$200.00} would be refunded within 30 days. 
- on the XXXX statement, a Fraudulent charge of {$120.00} on XX/XX/XXXX showed up, a charge I did NOT make. 
- I immediately called in and was told that the charge was erroneous due to them changing over a billing system and that it will be reversed and refunded. I also asked to close the card, but the representative asked me to wait until the refund has been issued before closing the card. 
- It is now XXXX and I still have not received a refund and see that Comenity is still reporting the account open with a balance due on my current credit report. 
- I called in early XXXX to inquired again about the charge and refund on was told they sent it and will send it again. 
- Today, XX/XX/XXXX I again called in regarding the Fraudulent charge and was told by a representative named XXXX that my account was closed as of XX/XX/XXXX. I asked her about the fraudulent charge and refund, she THREATENED me that IF she were to open an investigation that I will be responsible for the charge and will OWE Comenity an additional {$120.00} since the account is closed. An amount that Comenity NEVER returned to me in the first place, but I will have to OWE THEM additional? 

*Comenity has a Secured Messaging board, however after you are done composing your message and attempt to submit it, an error message appears asking you to try again at a later time. 

Comenity is a dishonest credit issuer. They should better train their employees to properly review transactions and respond to customers OR place a better system so that FRAUDULENT/BOGUS charges just don't " show up '' on consumer accounts. 

At this time I just want Comenity to properly issue my refund and accurately report to the credit bureaus that my account is PAID IN FULL, ON TIME AND CLOSED. That seems too much to ask for of this bank. This has been the most frustrating experience I have had with a bank thus far.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27 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: IL

Complaint narrative:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
On approximately XX/XX/ 2022, I deposited {$4000.00} into a U.S. Bank branch atm. The machine took an unusual amount of time to process the deposit, and after some time, returned my money and displayed an error message, that to the best of my recollection stated a foreign object was detected. The atm returned {$2700.00}, it kept {$1300.00}. I made this deposit in the evening. I went into the branch the next morning and opened a dispute with the branch manager. Since XXXX or XXXX, the bank has continued to deny my claim and their reason for denying my claim states " the requested amount ( {$1300.00} ) was dispensed. '' Could this bank be any more careless in investigating my dispute? I never requested {$1300.00}. I never requested any monies at all. I deposited {$4000.00}, the atm returned {$2700.00} due to an atm error, and kept {$1300.00}. How they arrived at the conclusion, time and time again that I requested {$1300.00} or even received {$1300.00} is beyond me. It shows they are not investigating my dispute at all. I've refiled this same dispute at least four times and I've received the same letter from us bank denying my claim for the same reason every time, despite the half dozen times I've called and talked with a U.S. Bank representative and explained to different customer service reps each time that I wasn't making a withdrawal, but a deposit. I requested to speak with a supervisor, I was never contacted by one, and the supervisor was always " busy ''. I requested the documentation used in the investigation, I only got the runaround. Of all the people I've talked to, and the different departments I was transferred to, no one has access to the documentation. It feels as if they purposely won't allow me to speak to a supervisor, or send the documentation used in their investigation of my dispute. These atms are checked every morning from what I understand. What's so hard about this? Clearly the atm had {$1300.00} in it unaccounted for. Then you see my dispute which was filed immediately the very next day with the branch where the atm is located. So from this point on, any energy I give to this incident will be in filing complaints with organizations that hopefully will take this claim seriously, and can help me reclaim the monies stolen from me.

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 2023-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I contacted the company back in XXXX & discuss the problem of why I was late on my payments I was out of work so later so back in XXXX when I talked to someone he said I may qualify for a payoff so I got the email in XXXX of the amount of what I had to pay I pay the amount that they ask I call them & ask them why am I still getting emails 3 weeks later of the balance I was told it takes time 7 the computer was sending the automated emails out the reason why reaching out to you is because they put it on my credit report as late payments it's like they didn't listen to me paid them what they ask weeks ago & they still reported to XXXX they told me its nothing they can do its aready been send they can't reverse it I was told to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I contacted the company back in XXXX & discuss the problem of why I was late on my payments I was out of work so later so back in XXXX when I talked to someone he said I may qualify for a payoff so I got the email in XXXX of the amount of what I had to pay I pay the amount that they ask I call them & ask them why am I still getting emails 3 weeks later of the balance I was told it takes time 7 the computer was sending the automated emails out the reason why reaching out to you is because they put it on my credit report as late payments it's like they didn't listen to me paid them what they ask weeks ago & they still reported to XXXX they told me its nothing they can do its aready been send they can't reverse it I was told to dispute it.

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 2023-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: MT

Complaint narrative:
Bogus wire transfer through Wise money exchange charged to my wife 's XXXX XXXX debit card. We do not have an account with Wise and you can only get customer service if you have an account. We cancelled the debit card and had it reissued, but there is still the charge that has to be resolved through complaint process ewith XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am making a dispute against TD BANK USA/TARGET CREDI in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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:
My BofA Visa card had fraudulent activity which included fraudulent payments made via phone payment to my account ( totaling close to $ XXXX ). I called BofA to alert them of the fraud and they reversed the payments. When the fraudulent payments didnt go thru, they returned the payments a second time. All returned payments were sent to the fraudulent account at XXXX XXXX. This activity occurred in XXXX of 2022, and since then Ive tried to resolve this matter on my own with no success. BofA closed the card due to the fraudulent activity, even tho Ive had the card without issue for 10+years ). I currently have a balance on my card with the amount of the returned payments ( which doesnt belong to me ). Since Ive had no luck resolving, and I refuse to pay as the balance is not mine, the amount is growing due to finance charges and late fees. Additionally, my credit score is being adversely impacted. Every time I call BofA, I spend hours on the phone being transferred back and forth between fraud and customer service departments because no one knows how to handle this BANKING ERROR, which is what this is now.

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 2023-02-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I pay Fay Servicing {$500.00} in escrow each month. The company failed to make a timely payment to my insurance company resulting in lapse of coverage. I suffered a loss after the insurance account was lapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi I'm a senior citizen and a victim of identity theft. XXXX Experian has posted a Bankruptcy on my credit that isn't mines. I need this updated on their report and verified

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 2023-02-27 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
XXXX XXXX ACCOUNT # XXXX XXXX CONFIRMATION # XXXX VERIFIED That this account was up to date with no late payments on XX/XX/23 but XXXX, XXXX, are still showing late payments on my credit report. This company is doing predatory lending with no regards as far as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: AL

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. Account name : 1. 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 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, After reading about the settlement with Wells Fargo, I felt it is worth a try to see if we are eligible for compensation on the foreclosure on our home. 
We purchased a home in XXXX. We put 5 % down and comfortably made the payments. 
Our problem started in XXXX when Wells Fargo applied {$2400.00} of a mortgage payment towards insurance. Thus placing us in default. We have always had insurance and our agent worked diligently to prove it. There was no need for Wells to take this action. 
For three months they routinely " missed '' the faxes that our agent sent. They wouldn't let us make a {$2400.00} payment til this was sorted out. This default put our loan from affordable, {$3000.00} to unaffordable {$4500.00} because of the interest adjustment triggered by the default. This put us in the cycle of trying to come up with a large lump sum to keep our home. We kept thinking that once they realized their mistake, things would be fixed.

At the end, Wells offered us the " chance to keep our home '' for an additional {$10000.00}. lump sum and a commitment to a {$6500.00} payment. At that point we gave up. 
We had borrowed from family to keep our home. We withdrew funds from our XXXX. 
All to no avail Then we realized that our mistake was to not have called an attorney the minute Wells misappropriated the initial {$2400.00}. Our home was foreclosed on in XX/XX/XXXX. It looks like we may be out of the date range for this settlement, but am interested in finding out if there is a path forward. For the record, once we did move out. We found a rental. Our payment? {$3000.00}. We would have gladly stayed in our home. But Wells wasn't interested in working with us at all.

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 2023-02-27 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: GA

Complaint narrative:
I have been a victim of identity theft i have sent over 100 disputes to this company in the pass 2 years now they are refusing to correct incorrect information on my file. 
the accounts that are remaining on my file that does not belong to me are XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX these accounts have been removed from the other reporting companies as they where found 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 non-monetary relief