vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My XXXX IRS refund was sent to Bank of America on XXXX XXXX. When my bank account didnt show the deposit that the IRS confirmed I checked my routing number and account number on my 1040 tax forms. I then realized that Id made a mistake and added an extra digit to the last XXXX of my account number. I immediately called my bank and explained my issue. They stated that when they receive an incorrect account number that doesnt match the name on the account the funds are IMMEDIATELY sent back. I then went into a branch for assistance and was told the same exact thing. At no point was an investigation offered to assist with the location of the deposit. I then called the IRS and inquired if the funds were sent back to them so that they then could issue a paper check of my refund. As of today XX/XX/XXXX the IRS has confirmed that Bank Of America has NOT sent back the funds. I am now waiting on the results of an IRS trace of my funds which could take up to XXXX months.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear CFPB Agency, It's quite a funny and frustrating experience that I have with the consumer reporting agencies ( TransUnion, XXXX XXXX XXXX ), because when I first reported these inaccurate accounts to them, the three ( 3 ) of them bureaus have different reports and definitions of each account. The other one will declare that the account is current and the other will declare it Late or Missed payments. I disputed their reports because I did not remember having that account in the past and now, XXXX has changed their information to XXXX XXXX, from being current in XXXX switching to Late status in XXXX. If they claimed that they're reporting accuracy on my files, why do they have to switch and change information after I provided them the corrections and disputed the item? 
They seemed not to be communicating with one another and not getting the correct information to one creditor, because they are reportingdifferent information. There also reported Collection accounts that I did not remember acquiring such alleged debts. They can't even validate the accuracy of it. I have never signed to this company either. So, I'm pondering on how they obtained this data and where did they get this. Sometimes I'm receiving notification that someone has run an inquiry on my account without my approval. This unfair practice makes me feel frustrated and upset. please help me delete these inaccuracies they are reporting. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: American First Finance, Inc.
State: IL

Complaint narrative:
MAERICAN FINANCE is saying I owe there company {$3700.00} for a credit line. Ive never applied or had a line of credit with them. I informed them im a victim of identity theft. They sent back a letter stating that they verified my identity. I then sent in more documentation explains that they should have this removed from my credit and that I was not the owner of the line of credit. They are refusing to remove this item from my credit report. They have no prove I opened up this account. They have yet to show me the proof of me opening said credit line with them. I would like this account removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aspen Yo LLC
State: NJ

Complaint narrative:
When I filed for bankruptcy to protect my home, my timely mortgage payments were not applied to any arrears. 

I am now in foreclosure. The mortgage company refused to accept my payments and continues to charge me monthly late fees. Previously, some late fees were applied before the payment grace period. 

I applied for ERMA. When I constantly inquired with the mortgage company about the receipt of ERMA 's requests for reinstatement, the mortgage company continuously denied receipt and did not return my telephone calls. After I made countless telephone calls to the mortgage company regarding receipt of ERMA 's request for reinstatement information, during the last stage of the application, and several requests made by ERMA, six months later the mortgage company responded through the attorney which was not a part of the request. Therefore, the amount was delayed and inflated, and my application was denied. ERMA assistance was denied because at that point I was over the maximum allowed for assistance. Also, there is {$20000.00} as a part of the reinstatement statement that an attorney, free NJ counsel, can not find legitimate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
During XX/XX/2021 XXXX XXXX charged me a late fee and reported a late payment to the credit reporting agencies. XXXX, XXXX, and Transunion are all reporting this late payment which is a violation of 15 USC 1681 ( a ) ( 2 ) ( 1 ). Which states a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. Since XXXX XXXX charged me a late fee, which is a transaction the credit reporting agencies should not be reporting the transaction on my credit report.

The credit reporting agencies are reporting a factual inaccurate late payment. Please see the attachments and evidence.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
During XX/XX/2021 XXXX XXXX charged me a late fee and reported a late payment to the credit reporting agencies. XXXX, Equifax, and XXXX are all reporting this late payment which is a violation of 15 USC 1681 ( a ) ( 2 ) ( 1 ). Which states a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. Since XXXX XXXX charged me a late fee, which is a transaction the credit reporting agencies should not be reporting the transaction on my credit report. 

The credit reporting agencies are reporting a factual inaccurate late payment. Please see the attachments and evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aspen Yo LLC
State: VA

Complaint narrative:
Despite repeated requests to update their record, they are charging unnecessary late fees and other charges without justification. I have attached all the records for your perusal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
This account was obtained fraudulently due to identity theft. I have tried to dispute this account several times and the debt collector keeps telling me that account is verified. I now have a lock on my credit to make sure this never happens again. I have asked to be sent the original contract with my signature so I can go threw the proper Chanels to get this taken care of and still I have not received this. This debt is in the amount of {$1000.00} from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I called the company on XXXX occasions asking them to send me validation of debt letters which one time they said that they did. I never received anything. I also disputed both online and over the phone with XXXX and XXXX to which they came back verified. When I asked how they verified the debt they said that the company verified it. I told them that it wasnt sufficient and that someone had to send me some kind of proof and that the company can not investigate itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always pay on time and never missed a 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 non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
My vehicle was totaled on XX/XX/XXXX. My insurance company paid the amount that they were liable for as well as my GAP insurance. After these transactions were completed towards the end of XX/XX/XXXX I was left with a balance. The dealership 's finance manager where I purchased my vehicle told me that I was owed money from the service contract that I purchased. The finance manager stated that by law the check had to go to the lien holder because there was a balance due on the auto loan. The dealership 's accounting department sent the checks via overnight mail three times to the finance company and each time the payments were rejected. I then asked the finance manager to add my loan account number to the memo of the checks so that the lien holder would know which account to apply the money to. After making many calls to the finance company I was able to speak to someone at the finance company 's asset recovery center that was able to release the checks for payment. Unfortunately, on the finance company 's website, I am still showing a balance due. The accounting department subsequently sent the checks two more times. On XX/XX/XXXX I discovered that the lien holder had already cashed the checks and never sent me the remaining balance.

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 2024-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: AL

Complaint narrative:
I am a victim of identity theft and a fraudulent account was opened under my name with XXXX XXXX in XX/XX/2023. I submitted the appropriate police report and proof of identity theft and this account was verified by XXXX XXXX to be fraudulent as a result of identity theft in XX/XX/2023. I was told by XXXX XXXX at that time 6 months ago that this would resolve the issue ; however, XXXX XXXX still incorrectly instructed the debt collection company they use ( Waypoint Resource Group ) to collect the fraudulent charges from me. I have tried to reach out to Waypoint ( the debt collection company ) 10 times by phone, 3 times by email, and 4 times on their online portal and have gotten absolutely no response. I have never been connected to speak with a live person over the phone and as soon as the recording tells you that " You are about to be connected to a live representative over the phone '' the call beeps and gets dropped. I have reached out to XXXX XXXX multiple times ( who I have read is responsible for taking care of these communicates between their debt collector ) ; however, all 6 different representatives that I have spoken with over the phone with XXXX XXXX have told me that I have to speak to the debt collection company myself. As a result of this inability to get any response from the debt collector, and these continuing outstanding fraudulent charges under my name, my credit score has dropped XXXX points in the past 4 months from XXXX to XXXX. My husband and I are trying to buy a house because XXXX XXXX XXXX ; however, the mortgage loan companies have told me that we need to get this issue with my credit score ( caused by these fraudulent charges ) resolved before we can make an offer on the home we would like to purchase. I appreciate your help very much. Thank you for helping me with this issue.

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 2024-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Continuous phone calls and now debt going up. Keep calling off different numbers at least 2-3x / day

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Welll Fargo has wrongly accused me of fraud and scam and went a closed my personal checking accounts seized my money that have in the account and has told me that I have to wait until XX/XX/XXXX to get a check in the mail while I have family to feed .That has caused me a lot of damages emotionally physically and financially.I have keep calling them multiple time until I went to the branche in XXXX MD and the manager help me to overdraft my money..They illegally closed my personal checking account and my savings also my business account

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I'want these items Deleted, from my credit, reports, effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and files deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: 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: Conduent Incorporated
State: NY

Complaint narrative:
I had an unauthorized charge on my child support card from XXXX back in XXXX of XXXX. I contacted XXXX and they said they couldn't help me because I didn't have the last XXXX of the card number that was used for the transaction so I filed a fraud claim with my bank. 

XX/XX/XXXX my bank reversed my claim with XXXX and took the {$190.00} back from me. I contacted XXXX again and this time had the card number. A representative was able to pull up the charge and verify it was not mine and was not even made through my XXXX account. I advised the rep that I did not authorize the payment and my credit card number was stolen. The rep created a " work '' order and gave me the following reference number XXXX saying I'd receive a refund within a week. I have not heard anything back from XXXX and I still haven't received my refund. 

I contacted XXXX again today and they're giving me the runaround acting like they don't know what this work order number the last rep gave me and nobody will tell me where my refund is. The bank will not give me my money back either. 

I did NOT authorize anyone to use my credit card and I did not authorize this XXXX purchase which they're holding me liable for. I did not receive any products from XXXX and I am not responsible for someone using my credit card without my permission. This is a fraudulent and unauthorized charge and XXXX is refusing to refund my money even though they verified I did not make or receive this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit 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: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/23 order placed online for XXXX XXXX XXXX XXXX for {$190.00}. 
XX/XX/23 confirmation email received showing charge will appear from XXXX XXXX. I immediately tried to cancel the order. I was advised it could not be cancelled and I could just return the product when received. 
XX/XX/23 Contacted merchant for return instructions. 
XX/XX/23 My USPS receipt for returning 100 % of product. 
XX/XX/23 USPS tracking showing product 100 % received by merchant. 
I received partial refund of {$120.00}. 
I disputed the payment with Discover on XX/XX/23 when remaining amount of {$69.00} not received. I waited 15 days for company to process refund to Discover. 
I have in possession " and furnished '' Discover copies of the company 's website stating both a 100 % money back guarantee and also a " Risk Free Guarantee '' statement. 
XX/XX/23 I received a letter From Discover denying my dispute without any explanation. 
XX/XX/23 I requested Discover reconsider their decision, and again explaining in detail the transaction and actions. I again provided Discover with copies of my USPS receipts showing the product returned and accepted, ALONG WITH A COPY OF THE COMPANYS WEBPAGE showing clearly that the purchase and product was 100 % guaranteed. 
If I have the option, I will include these copies with this statement. 
XXXX XXXX XXXX XXXX gives XXXX XXXX a " F '' rating due to many unresolved problems and complaints. Yet Discover ruled in their favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
my loans have been discharged and is still on my report. i am homeless and this is keeping me from getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent documents in the Transunion last month to have fraudulent inquiries removed from my credit report and I have not received a response. So, I am uploading everything here in hopes to get this matter taken care of.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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