vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 an obviously fraudulent transaction taking {$22000.00} from my checking account was allowed by Wells Fargo. I reported it upon discovery on XXXX XXXX. I asked for an expedited inquiry because my partner and I are away from our XXXX, TX XXXX for some months in order for him to receive a XXXX transplant in XXXX, OH. The stolen funds were and are needed to be able to pay our bills over these months. At first I was told that their aim was to resolve matters by XX/XX/XXXX. Then, I was told XX/XX/XXXX. Now I am told XX/XX/XXXX, but they will try and have an XXXX call me in the next few days. To me that means NO XXXX has done anything to clear things up and return my funds. 

I realize that for Wells Fargo, this XXXX be business as usual, but for me this has created a crisis. I closed that account and opened a new one, but have to specifically call and authorize each transaction so that MORE fraudulent transactions are not automatically forwarded to the new account. I could not even get hold of my new account number for some days. They told me to go in to a local branch with my ID, but Wells Fargo has closed every branch bank within XXXX miles of my location. 

Please help me get someone to do something. The check ( for which no check image is available ) was not authorized by me. Does this mean that anyone who has my account and the bank routing number can rob me with impunity? Is there no motivation for the bank to resolve this expeditiously?

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 2023-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
nelnet has lied to me on multiple occasions about my loans being approved for discharge through the borrowers defense. I have submitted numerous complaints to federal student aid, XXXX, dept of banking and insurance, attorney general, my state senators. No body does anything about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I am complaining again about Specialized Loan Servicing who processes payments for my loan. My loan is an adjustable rate and per the terms of the note the payment was to increase due to the increase in the interest rate. 

However, instead of increasing my monthly payment decreased as did my amount paid towards principal. 

This company is inept. I have mailed them a letter stating the issues. 

XX/XX/XXXX is when the new monthly payment should have increased. 

Can you please help in this matter? 

Sincerely 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 explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
As early as XX/XX/XXXX I have attempted to set up auto payment both online and offer the phone with various Bank of America Managers and customer service agents. 

On XX/XX/XXXX, the one-time payment was applied to my account using my checking account ending in XXXX, and was advised that the following month I would be enrolled in auto-pay. 

I spoke with a mortgage manager ( XXXX ( manager ) the week of XX/XX/XXXX who advised that he would give me a follow-up call and the autopay would be initiated on XX/XX/XXXX. 

I called on XX/XX/XXXX and spoke with XXXX ( Customer service mortgage ) who transferred me back to XXXX t follow up. XXXX advised that he can not I also spoke with XXXX ( XXXX ) who verified that the account number is valid and the auto pay should have been initiated for the month of XXXX. 

If I am charged with a late fee it will be wrongful. 
This is a systems and/or coding error in the BOA mortgage payment page. 

It has been 3 months now, I have spoken with numerous BOA representatives yet my mortgage loan still has not been connected to my checking account for autopay despite the previous month 's mortgage being withdrawn from my checking account and the account has adequate funds. 

This has been beyond frustrating, with poor resolution service, and a ridiculous waste of my time. 

As a resolution, I would like for BOA to credit me in the amount of one month 's mortgage payment ( {$2300.00} )

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 2023-07-11 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: CBC Companies, Inc.
State: GA

Complaint narrative:
This is my formal complaint to FACTUAL DATA about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ). Once the transfer completed and investment began, I tried to withdraw and the withdrawal now a problem ( not allowed me to withdraw ) and gave me a sign of scam. I then began to work with Coinbase customer support to help me transfer back but Coinbase denied my request ( see attached complaint letter for more detail ). Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I received a letter from pen fed credict union asking me for a late payment of {$15.00} dollar late fee cause I didnt pay my credict card from them I called and explain that I dont even know this bank I had never applied for this credict card and they told me that I used this card in Georgia to put gas in a car I dont have a car I live in ny I had never been In Georgia in my life They sent me to the claim department I made the claim twice already but they still sending me letters to make the payment

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 2023-07-11 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: AL

Complaint narrative:
I sent out a dispute letter to XXXX XXXX XX/XX/XXXX and they received the dispute XX/XX/2023 I asked of them to foster any information that can not be property verified due to me being a victim of identity theft also with the request a police report and identity affidavit was sent along with my identification, I recourses a letter from XXXX XXXX XXXX XXXX starting that the accounts came back verified and accurate when how so if they did not send any proof of how they validated any debt anything from the original debt collect or a valid signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts vou post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent out a dispute letter to XXXX XXXX XX/XX/XXXX and they received the dispute XX/XX/2023 I asked of them to foster any information that can not be property verified due to me being a victim of identity theft also with the request a police report and identity affidavit was sent along with my identification, I recourses a letter from XXXX XXXX XXXX XXXX starting that the accounts came back verified and accurate when how so if they did not send any proof of how they validated any debt anything from the original debt collect or a valid signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts vou post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts

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 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
While monitoring credit reports, I received a notification of a collection account from XXXX XXXX for {$3300.00} reported to collections on XX/XX/2023. This is not my account. I have never had wireless service with XXXX ; I am with XXXX and was with XXXX prior XXXX 

The account was opened on XX/XX/2023, closed on XX/XX/2023, and reported to collections with XXXX XXXX XXXX on XX/XX/2023. Again, this account does not belong to me. 

I have spoken with XXXX at Convergent Collections, and she instructed me to file this report.

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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
In XXXX  someone open a banking account using my email address and other information with well Fargo bank. I didn't know until I got a email saying I have a checking account open and I will receive my bank card. I call the bank I told them I never opened a account with them. I told them my information which some of the information was wrong like my phone number and address. They stated that it would be closed. It's just scary that people can do these things and we the victims who have to go through. Have to do things to protect ourselves when the banks should.

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 2023-07-11 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: AZ

Complaint narrative:
Some company I do not know opened a Bank of America Visa card account. The card was never sent out from BAC and the company that opened account charged {$11000.00} to the account in my name. I never had possession of the card nor did I even know the credit card number. Bank of America states the company is not a fraud even though there are 100s of online complaints about this company XXXX XXXX. I never signed any documents yet they produced documents with DocuSign initials. I am XXXX years old and will never be able to pay this amount. XXXX XXXX was also charged by this company and they refunded my money as they believed XXXX XXXX were fraudulent. 
I submitted 32 documents to Bank of America two times. The first time they said they couldnt find the documents and gave me another address in another state. It took me hours to put together all this information that they totally discounted. 12 of their fraud employees submitted complaints to their supervisors that my complaint was legitimate and that the XXXX card was never produced or sent to 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 2023-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I called the company ( PNC Bank ) on XX/XX/XXXX of 2023 to pay off existing loan and get the title sent my way. They sent over a letter saying it was paid in full but my title never made it. I gave time for it to find its way there but it never came. In XXXX, I reached out to the company about the title not making it and asked them to send it to a new address. Again, the title never came even though I paid off the loan on XX/XX/XXXX. They claimed no one was home to receive the title even though my wife and I were home with a newborn baby and not leaving the house. I called again today to try again and they said I would have to retrieve the loan through the XXXX and they could not help. I believe this is not consumer friendly and predatory behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: The Receivable Management Services LLC
State: TX

Complaint narrative:
Receivable Management I am writing this letter in response to the phone call/letter received from you. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, 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 explanation
Consumer complaint received 2023-07-11 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: WV

Complaint narrative:
There is information on my Consumer report that I did not provide written permission or instructions for identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - Permissible purposes for consumer reports ; In general ; In accordance with written instructions of the consumer to whom it relates. 
XXXX and Transunion are in violation of the Fair Credit Reporting Act. In addition to 15 U.S.C. 1681c- Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report, any item that is derogatory mark is not allowed into consumer reports, that is another violation.

12 C.F.R. 1022.3 defines Identity Theft as fraud committed or attempted using identifying information of another person without authority. According to the Fair Credit Reporting Act 15 U.S.C. 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' rights to privacy. '' XXXX and Transunion are a consumer reporting agency, and I am the consumer. I have the right to make sure my private information is not shared, which is backed by 15 U.S.C. 6801- " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ' As of XX/XX/, there is an Auto Loan, Unmailable addresses and phone numbers on my report that are unauthorized by XXXX and Transunion

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 2023-07-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had filed a dispute back in XXXX  that was not filed on there part. I recently filed it again and was denied. I also filed a complain for bank of America not filing the first dispute. I have sent them the police report and still was denied.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have been tracking my credit score on Experian and XXXX XXXX and paying for their credit reporting service. I have raised my credit score to XXXX according to their report. I also have two other credit scores reported on that site that show XXXX scores. I applied for a mortgage and was turned down by two different lenders because my credit score was reported to the lenders as XXXX. This is credit fraud. Either Experian is committing credit fraud for charging for a credit report that is not accurate, or the lenders are turning down my mortgage application based on fraudulent credit score. The different in the two scores is XXXX points. The lenders I have applied to are XXXX XXXX in XXXX XXXX NM and XXXX mortgage company. I have disputed all the incorrect information on my credit report. I do not have any collections, all my accounts are either paid off or current.

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