vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A fraudulent charge on my husband 's credit card was written off by XXXX XXXX XXXX ( the bank flagged it as fraud ) but they trashed his credit for this fraudulent charge. We have tried every avenue possible to get this taken off his credit report for Equifax and XXXX XXXX but the credit bureaus point to XXXX XXXX, XXXX XXXX  points to the two credit agencies. It would take a single person 1 hour to remedy this situation but we opened a case with XXXX XXXX on XX/XX/2020 and a month later nothing is resolved. We are in the process of closing on a property where the lender will charge us additional fees of $ XXXX because of his credit score that has been trashed by this write-off. His credit is impeccable outside of this write-off as is mine. I have spent almost 20 hours working every possible avenue to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: RI

Complaint narrative:
My Name is XXXX XXXX XXXX XXXX XXXX XXXX RI I am a retired XXXX and the co-applicant my wife XXXX is a XXXX XXXX XXXX XXXX XXXX  XXXX. 

We were rate searching to refi our mortgage due to rates falling and we were contacted by rocket mortgage, a division of quicken loans. We were assigned a specialist, Mr XXXX XXXX whom called me 2-3 times a day until we struck a deal and I authorized a charge to my charge card. He said that we would close in 30 days which seemed fine but not critical. I waited more then that time and became curious so i tried to call XXXX back only to get voice mail over 10 times with no call backs, of course. I tried to follow their requests on line and could not. So I tried calling XXXX again and this time he had a message that if u were in process to call processing which I did. After 2 hours I got connected and they said the mortgage co could not verify XXXX 's employment, ( she has been there 37 yrs ) so I out XXXX on the phone and she explained the Bank uses my work as verifications and informed them how to get it. A week later I get another request on line for the same info and more so I contact processing, wait on line over an hour then use the request for a cal l back. After no call for 3 hours I called client services again was place on hold and waited 90 minutes only to get dis-connected. 7 hours later I received a call back from Ms XXXX XXXX, whom was very nice. She told me the company was overwhelmed and that no-one had touched my file for weeks. She did send me a form to fax back which I did at once. XXXX agreed that the company should not still be marketing new customers and making promises that they know they cant keep. XXXX nicely gave me XXXX 's Directors phone number whom I called to explain the terrible service. His name is XXXX XXXX, phone # XXXX Being in the XXXX  I know call backs and communications are critical to business. Rocket markets itself through XXXX XXXX  as number one in  processing and service. I find all of this unacceptable and absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX  account nor a USAA account and the account is fraudulent. XXXX XXXX XXXX, USAA and XXXX, XXXX  and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX account nor a USAA account and the account is fraudulent. XXXX XXXX XXXX, USAA and XXXX, XXXX  and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX  account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and XXXX, Equifax and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Why does comenity not upgrade their cards their retail store cards to contactless tap pay they offer this in only a few cards but not all of their store cards it would be nice with the pandemic if they upgrade their card technology like other banks Have already this is feedback only

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried to Unfreeze my credit online with Experian. Just get a Security Freeze Error. No explanation. 
Calling the suggested phone number leads nowhere and not able to reach a representative. 
This is holding up my mortage refinance process. 
Experian online does not provide a way to contact them via email.

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 2020-08-01 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: IL

Complaint narrative:
On XX/XX/XXXX a handful of charges were made to my credit card account. 
{$370.00} {$240.00} {$67.00} {$16.00} {$15.00} {$33.00} {$4.00} {$21.00} All of which took place in XXXX, Florida and two in XXXX. I live in XXXX but I did not make any of these transactions and was in a meeting during the time of these transactions. When alerted by my bank, I acted quickly. I told the representative my card was still in my possession and I was physically holding it. She said the chip had been used to make the transactions and was baffled, as was I. She informed me to shred the card and she would issue me a new one and reverse the charges. The charges were reversed but reappeared in my account yesterday. The bank denied my fraud dispute because " the chip was used '' and did not contact me to inform me the fraud was denied nor did they do a proper investigation as they would see I can't be in two states at once. My XXXX location history shows I have not left Illinois in many months and I live alone and nobody has access to my physical card. You will see in the attached images my credit card was paid off prior to these transactions.

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 2020-08-01 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: NC

Complaint narrative:
A fraudulent charge on my husband 's credit card was written off by XXXX XXXX XXXX ( the bank flagged it as fraud ) but they trashed his credit for this fraudulent charge. We have tried every avenue possible to get this taken off his credit report for XXXX  and Trans Union but the credit bureaus point to XXXX XXXX XXXX XXXX   points to the two credit agencies. It would take a single person 1 hour to remedy this situation but we opened a case with XXXX XXXX on XX/XX/2020 and a month later nothing is resolved. We are in the process of closing on a property where the lender will charge us additional fees of $ XXXX because of his credit score that has been trashed by this write-off. His credit is impeccable outside of this write-off as is mine. I have spent almost 20 hours working every possible avenue to fix 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 2020-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
So i have cash app which is owned by square inc now i have had multiple direct deposits from my XXXX XXXX   unemploymemt i was supposed to recieve my retroactive unemployment the direct deposits are now 6 days late from when they were realeased by the XXXX ive tried to contact square and they just give me the run around i need help in recovering my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
My accounts was frozen due to my bank stating it was a fraudulent deposit because the company that deposited the loan did not use my name they use numbers as they do for every loan, I have all business information to prove I have a active business I also have approval letters from The loan company that my loan was approved and it is in deed my loan in my name, the bank asked for my EIN number so that they can verify that I have a business I provided the information she then asked where did you get this number from its fake it dont exist she basically called me a liar I had the IRS fax over a copy of my EIN number in which they still stated its not registered with the government how is that possible if the IRS has it, The IRS was able to verify my business start date as well address so how is it possible that when I provided my bank with my information they are saying Im lien this is destroying my reputation as well as causing my business more damage that loan was relief to help pay employees as well as other things concerning my business and to have my bank freeze my account and tell me I can never use the account again or even open another account I feel is humiliating and unfair and its not right due to the accusations of fraud being false I plan on getting a lawyer involved with this matter the way I was treated was very unprofessional and to call me a liar when I have proof and provided proof is unacceptable. One rep told me the freeze was placed because I had my loan deposited into my personal account I didnt know Navy Federal Credit union offered business accounts so she stated she can get me started with a business account and transfer my loan into my business account then the freeze would be lifted but I am in XXXX with no business information on me so I had to contact the IRS which led to me losing the first rep that I was speaking with at Navy Federal Credit Union I asked for her direct extension she stated that they didnt have extensions and it was no way I could get back in touch with her, so once the IRS faxed over a copy of my EIN to The XXXX hotel I am staying in, in XXXX I immediately called Navy Federal back to provide the information in which the second rep stated I was making it up I am in another state with no access to my accounts she didnt care I told her I was going inside a branch she stated that I couldnt the account will remain froze and my Loan will be sent back to the company that deposited it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hello Rep ; I was shocked when I reviewed my credit report and found that you're reporting a collection on my credit from an account that i never owned. I actually had sent an IdentityTheft affidavit in regards to this to the original creditor and it was removed. How come are you still reporting this now? It was originally from XXXX/XXXX, and i sent all the required paperwork that they had asked me. Please remove this collection from my credit once and for all. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank charged my credit card account ( issued through PayPal as PayPal Credit ) for a " provisional credit '' that they NEVER issued. I tried to file a dispute with them but that was not resolved even though I provided all needed documentation to prove that Synchrony Bank did not issue me a provisional credit. So they charged my account without authorization. So now I am obligated to pay off the balance that I did not even occur to begin with.

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 2020-08-01 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The first complaint ( file # XXXX ) was filed on XX/XX/XXXX regarding Bank of America 's response on 'Identity Theft ' that occurred on my mastercard on XX/XX/XXXX. The Bank of America 's response on the first complaint filed is found to be not only inaccurate but also irresponsible as the bank has not performed a proper investigation on this matter. 

The mastercard account involved in this is : MC XXXX XXXX XXXX XXXX & MC XXXX XXXX XXXX XXXX ( both are same account while latter one was issued following ID-theft ). 

As an addendum to the first complaint filed ( # XXXX ), I am filing another complaint to the Fraud Dept. of B of A as confusing responses have arrived : ( 1 ) XX/XX/XXXX : a letter from Fraud Dept. arrived explaining the timeline events occurred regarding ID-theft charges. The bank 's explanation is grossly false in nature in that I, XXXX XXXX, have approved the transactions in text response ... ... ... when, in fact, i have not received such text warning. I believe my phone was tapped in by the ID-theft, and I could not have known this because I was busy seeing my patients. 
And when I complained that our phones were compromised and presented the evidence, the Fraud Dept.  did not even bother to investigate this matter. I have a proof that the hours when the fraud charges were made, I was at my office busy seeing patients ( and my wife, XXXX  XXXX, was at the XXXX XXXX XXXX store trying to figure out why her phone was jammed ) ( 2 ) XX/XX/XXXX : a letter from the XXXX XXXX XXXX XXXX XXXX   XXXX is received. This is a collection specialist law firm representing B of A demanding to collect {$27000.00} ( 3 ). XX/XX/XXXX : a letter from B of A is received saying that this fraudulent claim has been resolved. And all credits have beeen placed on my account. 

Now, these are the sequence of events that have occurred during last three months regarding my ID-theft issue. The Law Group representing the B of A is unwiliing to acknowledge the B of A 's own resolution letter. Please conduct a proper investigation and put a clear-cut resolution on this matter.

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 2020-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo has eliminated the website used for submitting auto loan payments, requiring users to sign up to wellsfargo.com in order to make payments online, One of the requirements for access is that wells fargo wants access to my mobile phone information and permission to access files, videos, and addresses on my phone. 

To clarify, I am not trying to access any of there online products via my mobile devices or my phone. All of my online financial transactions are from a hardwired lan connect windows based PC. 

Their excuse of using my mobile device as a means of confirming my identification is completely bogus, my phone is supplied by my employer and has no identifying connection 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 2020-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Notice of Grievance and Complaint RE : Case # XXXX - Citi Reference Number : XXXX Ongoing Credit Discrimination against national origin. 

My original complaint was submitted to the Office of Comptroller, limited in detail, and their organization forwarded the complaint to the CFPB without my evidence to substantiate the complaint and I have herein resubmitted complaint with enclosed affidavit in accordance with the protections expressed therein securing my religious and national origin birthrights for lawful consideration as brought the attention of many of Citibank N.A. representatives that have to sought to undermine my rightful demands to include economic damages. 

See attached documents.

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 2020-08-01 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: AR

Complaint narrative:
Earlier this year there some fraudulent accounts appearing on my Equifax credit report, one being from a company called XXXX XXXX. After sending in several disputes and supporting documentation, Equifax removed the fraud related accounts including the XXXX XXXX account from my Equifax Credit Report. As of XX/XX/XXXX I received notification from my Equifax credit file that the XXXX XXXX has reported back on my credit report which is a violation of the Fair Credit Reporting Act in regards to sections 605b, 609, and 611.  This information has been blocked and included on both an identity theft and police report and should not be reappearing on my credit report.

Company response to consumer: Closed with explanation