vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Credit 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: MI

Complaint narrative:
XXXX Bank of America Visa credit Card ending in XXXX was hacked by someone and used to purchase at merchant XXXX XXXX on XX/XX/XXXX for amount {$82.00}. I received an alert on my mobile phone about this transaction and notified the bank to block this transaction and issue me a replacement card. Bank of America despite my prompt communication request allowed this transaction to get posted and did not reverse or block this fraud transaction. I called up the credit card dispute department to speak on this issue multiple times on XX/XX/XXXX and the bank representative ( s ) hung up the phone and did not discuss to file a dispute and to resolve this fraud transaction. I request the agency to help take up this matter with the bank and investigate this charge and provide relief. Attaching the details of this fraudulent transaction charge. 

Transaction date : XX/XX/XXXX Card type : XXXX Transaction type : Purchases Merchant description : XXXX XXXX Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX Thank 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 monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
PHH took over servicing the reverse mortgage on my late parents house. I am the XXXX  XXXX trying to sell the house. It took me several years to evict a squatter and the house has been in foreclosure during those years throughout the pandemic and eviction moratorium. I thought we had agreed to hold the foreclosure in abeyance to give the estate a chance to short sell. After we finally got access to the house we discovered that the tenant had trashed it. Our interested buyer who had patiently waited to submit their offer could finally see the interior of the house. The banks appraisal came in lower than they expected and they put my buyers short sale offer on hold pending a police report that they wanted the estate to file so they can file an insurance claim to offset their losses instead of negotiating the the short sale in good faith. Meanwhile the bank refused to stay the auction which is scheduled in 3 weeks. This is a bad faith maneuver. I have no choice but to put the estate into a bankruptcy action to stay the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: MI

Complaint narrative:
My federal student loans through XXXX were forgiven XX/XX/XXXX  but are still being reported as if not closed and show original balanced. I have asked the company to update all three credit bureaus and have been ignored. This information is inaccurate and needs to be updated immediately.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My federal student loans through XXXX were forgiven XX/XX/2023 but are still being reported as if not closed and show original balanced. I have asked the company to update all three credit bureaus and have been ignored. This information is inaccurate and needs to be updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My federal student loans through XXXX were forgiven XX/XX/2023 but are still being reported as if not closed and show original balanced. I have asked the company to update all three credit bureaus and have been ignored. This information is inaccurate and needs to be updated immediately.

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 2023-11-17 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: NY

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

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 2023-11-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

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 2023-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Flagstar Bank sold my mortgage to XXXX in XX/XX/. At that time they kept my escrow overage and then told XXXX that I owed more escrow, starting me in the red with 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 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I made a wire transfer from my Bank of America account which I have held for 12 years to my business account within the XXXX ( funds held at XXXX XXXX XXXX, managed by XXXX XXXX. Without explanation, the transfer was halted. 

I then called to reverse the halt and to confirm my identity. Since opening my account with BofA XXXX years ago, I have changed passports three times and ID cards ( driver 's license, state ID ) three times. I gave BofA the number of my current passport as well as the number of the previous I had. Additionally, I communicated the number of my NY driver 's license. BofA did not accept any of these document the confirm my identity. Instead, they completely froze me out and I am now not able to access my funds online anymore. 

For further context I currently reside in XXXX and am unable to travel to the XXXX to confirm my identity ( my wife is XXXX  and our XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). There is no way for me to ascertain my identity since instead of letting me give them all my ID numbers, they just listened to three and decided I can't access the account. This is a major problem for me since a large portion of my XXXX funds sit with Bank of America.

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 2023-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Recovery Solutions, LLC
State: MO

Complaint narrative:
A credit card was opened up fraudulently in my name through XXXX XXXX. Their partner bank that services the cards is XXXX XXXX. On XX/XX/ I became aware of the identity theft as XXXX XXXX XXXX had sent me a letter trying to collect a debt owed to XXXX XXXX. From there I took all the required steps to report Identity Theft but to this day I can not get ahold of XXXX XXXX to close it through them. XXXX XXXX  XXXX reviewed my claim and found the XXXX XXXX account was not opened by me. As a result they were suppposed to shut down the account and clear myself of all responsibility on XX/XX/. On XXXX I received a letter from Asset Recovery Solutions , LLC attempting to collect the same debt from XXXX XXXX for their client XXXX XXXX XXXX  XXXX. I explained to them that this was already declared fraudulent activity and I was cleared of all responsibility but they informed me that their client purchased this debt and hired them to collect it. They would not allow me to report it as Fraud and instead gave me a payment option. On XXXX I received a letter in the mail from XXXX XXXX informing me that they are also a partner bank to XXXX XXXX and that I need to file a declaration of fraudulent activity with them as well. XXXX XXXX allowed me to submit the required documentation to start my fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XXXX wrote a check for sons wedding reception dinner. Vendor cashed it XX/XX/XXXX and Ally decided not honor it on XX/XX/XXXX. Had I not been reviewing my account I would never had known. No phone calls, no emails, no communication whatsoever. The reason given was that I have sloppy writing and they thought the check was post dated XXXX. I guess if you stretch it was messy, but who post dates a check for XXXX? Really? I also think there an accessibility component to this. XXXX with some XXXX, sure might be a bit hard to read, but why wouldn't they call, especially on such a large amount. I could almost see if it was a {$30.00} check. All I really asked Ally to do was to offer to cover vendor expenses from their poor judgement. Nope, Every agent ( except XXXX, he was wonderful ) said I am to blame. I spoke to a Chat agent and a supervisor XXXX ( Agent # XXXX  ). No help. they could expedite a check for {$15.00}. Awfully not nice of them. I would think there would be some protections around this.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XXXX & XX/XX/2019, XXXX reported that I was late on payments during a period where I was under either forbearance or deferment. On my credit report, for the month of XX/XX/2019 it states I was 90 days late ; the following month ( XXXX ) says that I was 120 days late. However, the 3 months leading up to XXXXXXXX XXXX XX/XX/2019 have green check marks which means I was not delinquent on my XXXX  during those months and therefore, could have never been 90 days late in XX/XX/2019 or XX/XX/2019. This inaccurate reporting has negatively impacted my credit for the last few years and I need to have it reversed as soon as possible.

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 2023-11-17 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: TX

Complaint narrative:
I have late payments showing on my credit report with XXXX  ( now known as XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have late payments showing on my credit report with XXXX  ( now known as XXXX XXXX ) from XXXX, XXXX, and XX/XX/2022. Account # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been trying to close my checking account since XX/XX/2023. I have messaged twice and was told it had to be done by call. I have called XXXX times and was told it would be closed. Yet here we are and its still open.

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 2023-11-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I had a joint variable CD with United Services Automobile Association ( USAA ) bank that I shared with my spouse for the amount of {$2200.00}. 

My spouse withdrew the full amount of {$2200.00} on XX/XX/XXXX of XXXX  at around XXXX hours. 

My Spouse transferred {$2000.00} to our Joint Savings account at around XXXX hours. 

I attempted to transfer {$2000.00} back into the CD but received an error message on my USAA banking app at around XXXX hours. 

The money was no longer in my savings account nor in the CD. Therefore, I waited XXXX hours to see if the it would transfer over night. 

On XXXX XXXX I did not see the funds in either account, so I contacted USAA and spoke to a representative who stated to wait an additional business day to let the system sort itself out. 

I waited XXXX ( XXXX ) days and still did not see my funds and I contacted USAA to inform them as such. The Representative submitted a claim/ dispute and told me to wait XXXX hours after the Representative agreed that the funds cant be found. 

On XX/XX/XXXX the investigation was completed and it was stated that the funds was credited back into my savings account but it was not. The investigation mistaken the {$2000.00} that was transferred by my wife to our joint account on XX/XX/XXXX as a credit. 

I contacted USAA and the representative that had me on hold for XXXX ( XXXX ) hours stated she saw the error and is submitting an additional claim/ dispute for the investigation. I then spoke to a XXXX of that representative who stated that I might not get approved to receive the funds back into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am filing another complaint, as a follow up to # XXXX XXXX which I filed with CFPB on XX/XX/2023 about Citizens Bank. This complaint was closed after a letter was sent by XXXX XXXX from the office of the Chairman at Citizens Bank. 

As I indicated in the feedback I provided on the CFPB site and in XXXX voice mails to and an email to XXXX XXXX ( last week and again yesterday ) -- the issue from the original complaint has not been resolved. It has now been XXXX weeks since I first made the claim ( XXXX ) to Citizens that a check had been fraudulently cashed on my account and they have provided no indication of when a final determination would be made. 

While I appreciate that Citizens finally offered a provisional credit ( reference number : XXXX ) to my account for the {$5000.00} that was fraudulently taken from my account, this credit is only provisional, and even at that, was not provided until almost XXXX months after I filed my original complaint with Citizens. It should also be noted that the XXXX Citizens employees I spoke with prior to filing my complaint with the CFPB all agreed that you could clearly see the outline of the name of the original payee on the check that was fraudulently cashed. The letter from XXXX XXXX indicates that Citizens takes the matter of fraud seriously and that it takes XXXX weeks to investigate and resolve a claim. It has been XXXX weeks since I filed this claim and the letter states that this claim is still under investigation. There is no indication of when a final determination will be made and when ( if? ) the provisional credit will become an actual credit. In addition, Citizens does not have a clear and transparent process in place, and as my original complaint stated, I received different messages from XXXX different Citizens employees about the time line and the question of a provisional credit. Until my account receives a full credit of the funds fraudulently taken from my account, my complaint stands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
To review with their client the debt was XXXX  by XXXX XXXX showing XXXX XXXX  balance the refussed to accept or acknowledge debt was cleared even though their client XXXX the debt was owed provided verification the debt was paid even after showing the Kansas counselors law firm the reciept invoice XXXX debt was paid and now reflects a XXXX XXXX  balance paid in full by XXXX XXXX XXXX XXXX XXXX I will attach the verification documents XXXX XXXX accepted letter as well as the verification invoice reciept from the debtor showing balance paid by their finacial assistance reflecting debt paid XXXX dollar balance so XXXX can remove this negative mark from my record along with XXXX and XXXX as the mark has been devastating to my credit and XXXX has also recieved these verification documents showing balance paod in full as has also refussed to remove the mark despite having on file the reciept invoice from the debtor showing the XXXX XXXX  balance debt paid in full so I am requesting investigation into the matter seeking fair credit Reporting I appreciate you taking the time to review the matter and tour advocacy to correctly reflect an accurate and fair credit report

Company response to consumer: Closed with non-monetary relief