vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX  and Experian are reporting incorrectly my Date of Birth. XXXX  has the birthdate completely wrong it should be reporting as XXXX and Experian just has the year listed. My correct date of birth needs to be updated. My most recent credit report also shows the following accounts as not in dispute, when in fact these accounts are in dispute. Medical collection/chargeoff account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These line items are in fact in dispute and this language needs to be reflected on my credit report. In addition, these accounts do not belong to me. No original creditor has been listed and I do not even recognize who these collection accounts are for. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.

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 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

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 2021-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America sent me an offer to receive a savings account bonus of {$250.00}. The terms stated that I was required to open an XXXX XXXX account before XX/XX/XXXX and deposit {$20000.00} within 30 days and maintain that balance for 90 days. 

Bank of America sent this offer to my email address and because I have a credit card with them, they also sent the offer to the " Special Offers & Deals Section '' of my online account. I have attached a screenshot of the " Special Offers & Deals Section '' that I am referring to. 

I clicked through their specific link and opened an XXXX XXXX account on XX/XX/XXXX. I deposited {$20000.00} on XX/XX/XXXX. I maintained the {$20000.00} balance for more than 90 days. I completed the requirements and have not received the {$250.00} bonus. I have attached a screenshot of my account activity showing that I have maintained {$20000.00} for more than 90 days. 

I called Bank of America regarding this issue on XX/XX/XXXX. The case number is : XXXX. 

Bank of America said that they would contact me again to resolve this issue. They have not contacted 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 monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX is claiming that I owe them {$160.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX # XXXX. I have been in contact with Bank of America, and they submitted initial explanation of my original inquiry, however there are still questions. I have reached out twice to the representative, and left two voicemails, however have not heard back. I understand that since it's XXXX XXXX / XXXX week, communication is a little delayed, however I would like to receive a final response on " other deferred amount '' totaling {$3800.00} pertaining to the Home Modification loan of 2010. My question is, is the deferred amount a fee of the modification loan process, or is this amount corresponding to missed payments? At no time during this time was a payment missed, but rather the payments were purposely withheld by BOA so that I could qualify for the XXXX XXXX loan. Therefore the deferred amount previously mentioned is non-existent. I would like to have clarification on this question. Thank you very much in advance.

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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The only way to dispute a inquiry through Experian is by mail. I have mail in countless times inquiry disputes and they have not be iremoved let alone investigated. I have send my disputes cia priority mail, overnight, regular mail. The exact same disptes total over XXXX times sent. This is absolutely ridiculous. Not to mention the {$30.00} XXXX pay experian a month for credit monitoring service. I am unhappy, not just with the serivce, but the lack of respect for helping consumers. I have also sent multiple relevant information to re-open a dispute. Informstion that you can look at and properly make a decision that the incorrect information needs to be chnaged or removed.

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 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery XXXX and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Fraudulent American Express Account Dark Web alert distribution : XXXX  XXXX with Impersonating representatives Unable to contact American Express No access to account or card ; unaware Possible mail theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Suntrust bank close my account, keep my money and gave me no notices whatsoever. 
Is been 3 weeks, several calls and 2 visits to a branch without any other infomation that my account is under investigation with no time frame. The only instruction I get is verbal, to wait for an explanation by a letter. 
I deposited my taxt return and the relieve checks from the goverment and I need that money asap. 
I never experienced anything like this before. 
They block the access to my account online, I can not see any statement, balance or information. 
I understand that a bank can refuse to have business with a person, but why they are keeping my money after shooting down my account? 
Please help!

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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been XXXX XXXX the last six filing dispute on mortgage payments reflecting proper balances on the credit reports.I keep getting the runarounds.The balance shows XXXX and we owe XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been XXXX XXXX the last six filing dispute on mortgage payments reflecting proper balances on the credit reports.I keep getting the runarounds.The balance shows XXXX and we owe 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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been XXXX XXXX the last six filing dispute on mortgage payments reflecting proper balances on the credit reports.I keep getting the runarounds.The balance shows XXXX and we owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was told to send the front and back copy of the prepaid visa card {$100.00} and receipt from XXXX 's where i bought it, so i did in XX/XX/2020. I faxed it together with the copy of my Driver License, receipt and proof of address. They said I should have the replacement Visa prepaid in 90 days. It is already more than 100 days and I have not received any.

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 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
I am unable to withdraw money from my account with robinhood to my bank. It is listed as pending for over two weeks starting with the request on XXXX XXXX. Their customer service is sending boiler plate messages and will not get back to me. I do not have a direct way to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have requested my loan be placed in Forbearance because of financial/economic hardship due to Covid-19. I have called and made several attempts to request forbearance. TD Bank keeps telling me that I do not qualify for mortgage forbearance but they refuse to provide documentation or a letter acknowledging/refusing my request. I have called at least 6-7 times and every time I call, they transfer me, tell me that I can submit a RFA ( request for assistance ) or they tell me that TD Cares has to help me and I can never get through to anyone in that department. If I am able to get through I am being told the same story again and again that I have to complete the application for forbearance so that I can get the refusal letter. They have been telling me these same things each time for over a month. To no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I contacted this web company in an attempt to buy a dog for my toddler. When I contacted them and they got back to me, I was asked to sign a bill of sale contract to purchase the puppy. During the process everything went smoothly until I made the XXXX transfer. The same day of the transfer I got an email from this individual saying that I would have the puppy by Saturday XX/XX/2020. When I contacted them the day before XX/XX/2020, I got no response and when I went to search for their website, it was gone. Internet pop up only said " we are working or creating something special '' Then I realized what happened. I called my Bank and when they researched the transaction to see if I could reverse it, they said they could not do that. What I found upsetting when I called Bank of America is that the associate informed me that the account where I transferred the funds to was also a Bank of America client. Regardless if this account being from there, they could not reverse the transaction. I created a claim but they denied my request. I was advised by the associate that the account of this individual would be frozen. I was so disappointed and sad I gave up. I didn't even want to think of what happened, but recently I was told to reach you about this situation and maybe you could help with this matter. The email I used while exchanging questions etc. is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
My husband and I applied for a refinance with our existing mortgage company -- M & T Bank -- in XXXX of XXXX. We worked with mortgage lender Mr. XXXX XXXX who submitted our application for the refinance. We were told that the best interest rate we could obtain on the refinance was at 3.1 percent. We submitted all of the information requested by the bank for the refinance, and paid fees to obtain our credit reports and the appraisal. Since that time, we were told that the refinance loan was approved on XX/XX/XXXX, and that we would soon close on this loan. But, as of today, we have not closed on the refinance. I have sent numerous e-mails on this mater and also asked if we could obtain a lower interest rate because we were told that the have gone down between 2.5 to 2.75 percent. Overall, M & T bank does not respond to our questions on the status of closing or whether we could obtain a lower interest rate on the loan. I talked to Mr. XXXX the last time on Wednesday, XX/XX/XXXX, but he could not tell me when the closing would occur. As I have explained to M & T Bank representatives it does not and should not take over 6 -7 months to close on a refinance. Especially when this is our current mortgage company and we have an excellent payment history with this bank.

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 2021-03-30 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been XXXX XXXX the last six filing dispute on mortgage payments reflecting proper balances on the credit reports.I keep getting the runarounds.The balance shows XXXX and we owe 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 2021-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Good morning, Please see my attached letter to Fifth Third Bank ( mailed via certified mail on XX/XX/2021. ) The letter details my complaint, the lack of response from Fifth Third, Fifth Third 's loan servicing practices, etc.

The main issue is how can Fifth Third send me a monthly statement on my home equity line of credit and my payoff balance be so radically different from what appears on my statement. I really question the legality of this along with the fact you can never reach a live person at Fifth Third Bank that can answer any of your questions. 

Secondly, it took me over 4 months to get 3 old liens released from the title record on the property. These were old mortgages from XXXX that I refinanced with Fifth Third! They could not reconcile their own record-keeping for 4 months!

Please see attached letter to Fifth Third along with my last 2 monthly statements, the payoff letter for my home equity line of credit and the transaction history Fifth Third mailed to me. Please do not hesitate to let me know if I may provide you with any additional information. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX is XXXX XXXX XXXX and stays with me her daughter XXXX XXXX in LA and her money was with drawn fraud and theft i did report it to Wells Fargo but they never got back to us or said anything to us I called back and they said the claim was closed and could not say more. I never Got a Letter or call from Wells Fargo. We do have a police 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 2021-03-30 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: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX These were all soft inquiries that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: VA

Complaint narrative:
I've sent 3 letters asking to remove this account because of so many errors on my report like the high credit balance the date of last activity and last report date and the date of last payment these are not XXXX correct across all 3 credit bureaus and this needs to be deleted asap. They also responded with resolved and nothing was explained or resolved at all everything still looks the same like they just did an auto- reposnse. this is affecting my life and my credit reports. And I also ask for contracts with my signature on them showing this is my account and I never got anything.

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