vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony falsely tried to charge me a late fee before a statement was due. 
I tried to resolve it and their customer support could not explain sufficiently why I was charged after I successfully explained that I had made the minimum payment and that a late charge for a payment that isn't due until may doesn't make any sense. She then tried to tell me late fee was for XXXX despite agreeing with me that I had paid the minimum amount for XXXX. All dates and amounts are shown in attachments.

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 2022-04-20 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: ID

Complaint narrative:
XXXX XXXX reported collections on Transunion and XXXX. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. 

I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. 

Transunion has two collections from XXXX XXXX {$610.00} {$2300.00} XXXX has four collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}

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 explanation
Consumer complaint received 2022-04-20 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: ID

Complaint narrative:
XXXX XXXX reported collections on Transunion and XXXX. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. 

I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. 

Transunion has two collections from XXXX XXXX {$610.00} {$2300.00} XXXX has XXXXour collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}

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 explanation
Consumer complaint received 2022-04-20 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: ID

Complaint narrative:
XXXX XXXX reported collections on XXXX and Experian. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. XXXX has two collections from XXXX XXXX {$610.00} {$2300.00} Experian has four collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}

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 explanation
Consumer complaint received 2022-04-20 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: IA

Complaint narrative:
In accordance with 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 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 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX, I made a deposit at an ATM of 2 money orders totaling {$540.00}. I had to put in the amount as the ATM couldn't read the amount on the money orders. I do this every month, including entering the amount. 
This time, B of A adjusted my account, debiting the {$540.00} stating they couldn't read the money orders. 
I believe it was XXXX I went to the BofA in XXXX XXXX who phoned customer service. I was told I would have the money orders returned within 2 weeks. 
I went back to the BofA on XXXX as I had not received the money orders. I was told that I would not be getting them and they would no longer exist at this point. The bank had sent me a COPY of the money orders which was illegible for the amount. On the originals, however, the amount could be easily read. On the copy, it is obvious that something IS written in the amount. It is just not legible on the copy. 
I was told I would need to replace the money orders -- which will cost me money and require me to ask my tenants to replace them -- although the bank has now kept my money and not provided me with the originals as proof.

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 2022-04-20 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: PNC Bank N.A.
State: OH

Complaint narrative:
XX/XX/XXXX- XXXX XXXX XXXX XXXX {$1500.00} from my PNC checking account. After I disputed the transaction ; the funds were returned to my PNC checking account with no explanation of the ach error. 
XX/XX/2022- XXXX XXXX Credit Card XXXX XXXX payment amounts of {$410.00} ( {$820.00} ) from my PNC checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I CONTACTED THE SERVICER OF THIS LOAN THE MOMENT MY INCOME INCREASED. I WAS TOLD THAT I NEEDED TO PROVIDE PROOF OF THE INCOME AND TO RESUBMIT WHEN I HAVE THE INCOME, WHICH I DID. NOW I AM BEING TOLD THAT THE SALE DATE IS TOO CLOSE TO REVIEW MY MORTGAGE LOAN FOR MORTGAGE ASSISTANCE. I EXPRESSED THIS MONTHS AGO, XXXX OF LAST YEAR TO BE EXACT. NOW I HAVE PROOF OF MY INCREASED INCOME AND NOW I AM GOING TO BE FORECLOSED ON WITHOUT A REVIEW OF MY MORTGAGE ASSISTANCE REQUEST WITH MY NEW INCOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act USBK Court XXXX XXXX XXXX Docket number XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # starting in XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX have all 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 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 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
We were supposed to close on our home on XX/XX/XXXX with Rocket Mortgage. The closing was delayed. Our rate was locked until XX/XX/XXXX. We called Rocket Mortgage to extend our rate lock. Rocket Mortgage stated that the rate was locked for 90 days. Unfortunately, we did not follow up for the paperwork. We came to find out that they did not lock the rate ( closing after 69 days ) and we have to pay a full percentage point more. At no point in time were we notified that the rate lock was expiring. The agent we are working with denies making any claim that the rate lock was extended. Either the agent was negligent in performing her duties, or provided misinformation to us. Regardless, their business practices are unethical and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A friend on XXXX suddenly posted that he was making cash on the side while working full time as a nurse. Not knowing that his account was hacked and being somewhat sociable with the person, I fell for the bitcoin investment scam. I spent {$600.00} on XX/XX/22 and {$1500.00} as my initial investment and to upgrade my " trading account '' so I can get my profit, I paid {$1400.00}. Another {$100.00} was sent on XX/XX/22 for a bitcoin I was told to buy through XXXX. Everything else was sent through XXXX thats within my Wells Fargo XXXX. As soon as the scammer blocked me, I directly informed Wells Fargo and made a claim that I was scammed. Three weeks later, I received their conclusion and that they deny my claim because I authorized the transactions and that the recipient 's bank nor Wells Fargo had any error. I called and asked for further information, and inquired about EFT Regulation E and thr Wells Fargo banker told me that it only applies if I was induced to giving my information, which is not what my case is. They told me there's nothing they can do. To add salt to wound, I involved my brother and used his money by asking him to send money by XXXX in his Wells Fargo.

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 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This ERC account with a balance {$2300.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
We've send letters to the companies and they have not responded, legally the bureaus have 30 days to respond and they have not provided validation nor authentication of anything, I am extremely concerned they are reporting fraudulent information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: NCB Management Services Inc.
State: NJ

Complaint narrative:
NCB continues to violate the FCRA by the following : Provide 609 Letter with the following detail, Pay off disclosure, Interest Rate Disclosure, Payment History and credit insurance details. 


IRS Publications 4681 ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. IRS defines Charge-off as gross or ordinary income. Income does not get reported on a customer report. Therefore, the reporting of this account as a debt is inaccurate and I am requested to cease and desist the reporting of incorrect/inaccurate information immediately. 

In addition, The continued reporting of the inaccurate information is a clear violation of the laws 15 U.S. Code 1681s2 of your responsibilities as a furnisher of information, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC-9 Part 6 remedies.

15 U.S. Code 1681 ( a-4 ) Congressional Findings and Statement Purpose As a consumer Congress gives the right to privacy, I demand a removal of this account immediately. The law states There is a need to insure that consumer reporting agencies exercise heir grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

According to consumer Law collection agencies must be in the state in which the consumer resides, The agency is is PA I reside in NJ. 

All information must be accurate and verified according to FCRA, Inaccurate reporting is a violation and proof is attached of all the inaccuracies reflecting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. have 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 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 2022-04-20 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 XXXX Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. have 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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are inquiries on my report that I do not recognize, and in accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XX/XX/21 XXXX  XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: AR

Complaint narrative:
Dated XX/XX/2022, reduced amount $ XXXXThe debt is not accurate. The company did not send verification of debt. Resent collection statement months later. Dated XX/XX/2022, reduced amount {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In the last week of XXXX i opened a new a new account online on my bank account with Wells Fargo. On the same day my wife logged in, and set up all her bill pay accounts since the bill pay information is not shared between userIDs. This marked my account as fraud and locked us both out of all our accounts. 

Unfortunately i discovered this when traveling, but i phoned from the airport and explained, and was told all locks would be removed. I arrived at my destination and couldn't use my credit cards, i was stranded without meals. I phoned again to straighten out the problem and was referred to another level up. I eventually got back my ability to use credit cards, although way too late to avoid embarrassment of begging for food and rides during a business trip! It may have cost me the contract. 

After arriving home i discovered my online access had been deleted and i had to set up my account again. Luckily my bill-pay information was still there, but i've lost all my historical data. 

I've been phoning the bank to try to get this resolved repeatedly since the end of XXXX and have accomplished nothing. They assigned the issue to one person but will not tell me how to get in touch with that person, only that i should leave a message and identify a reference number that they gave me, which i have. They promise to call me back within 24 hours, and did attempt twice in the past three weeks ( although so far outside the 24 hours limit that it should count as random ), once when i was in the bathroom, and once when i was at security at the airport. 

I find this to be an unacceptable level of service. I would like to have my account data restored to return my historical data if possible, but mostly i just want to get the issue resolved once and for all. Even if they do nothing more, at the very least i'm owed the courtesy of closure on this issue and some measure of responsibility for broken promises. I was tolerant of errors at the start when it could have been an isolated incident, but this now has become a pattern that needs to be stopped. 

Thank you for any attention you may be able to bring to this. It is not the first issue i've had with this bank, but it's the first to waste my time and money and affect my income.

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 2022-04-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ) XXXXXXXX XXXX Original creditor : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXriginal creditor : XXXX XXXX  Account # XXXX XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number 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 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