vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 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: AES/PHEAA
State: FL

Complaint narrative:
my student loan is more than 10 years old and Im attempting to purchase a home and this loan is reporting making my debt to income ratio high.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21, Bank of America made a business decision after I logged onto my BoFa app. Bofa placed an XXXX code with a deduction of {$880000.00}. I contacted customer service at XXXX ( XXXX ) XXXX, to which they informed that they made a business decision to close down my account. When I inquired as to why they were closing my account, they stated that because I received a one time transfer of {$2600.00} on XX/XX/21 from EDD wire transfer that they flagged my account as fraud. Additionally, they stated that the one time transfer made to my account had be the primary senders account number. There is no policy or any information from Bofa EDD, that states that you cant transfer money to the recipient unless it is your primary account holder. Based on the information listed below as stated on Edd.ca.gov ( see edd.ca.gov one time transfer ). The primary sender has to contact Bofa Edd for a one time transfer and provide them with my account information. Yet, I am being penalized for receiving funds from a extended family member when I have been a bofa customer for the last 12 years. Bofa had access to senders account and still allowed the one time transfer to be transferred to my account, yet I am being penalized. I am an XXXX XXXX worker and Bofa is not allowing me access to my funds to pay bills and states that I will receive a check in 5-10 business days. Please review this matter, as I am an XXXX XXXX and my account should not be closed down based on fraud, just because I received a one time Edd transfer.

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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Army and Air Force Exchange Service
State: NM

Complaint narrative:
In 2018 my account was cleared in bankruptcy. Since then military star has went out of its way to post negative information on my credit report. They are reporting that it is in collections when it is not a valid debt and it is known by military star that the information that they are posting was cleared in bankruptcy. As of today the dispute came back and they are keeping the negative information saying that the account is in collections and it started after the federal bankruptcy court ruling. It has lowered my credit score even though I've never had any issues after bankruptcy.

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 2021-04-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had asked for emergency funds thru XXXX XXXX as I had done before and each time it has taken three hours but not this time .. I have put in 5 requests since the first request and was told it would be. 3 to 5 hours., I had been waiting for 24 hours now and still NO XXXX NUMBER each time I have been told that XXXX XXXX NEEDS TO APPROVE the transaction XXXX XXXX XXXX says they are more than happy to send the money but bank of America needs to release the money from my edd account .. they have no authority to approve or deny the transaction and bank of America . My husband and I have been stranded on the hiwat with no gas a flat tire and NO MONEY .. feeling confident this will only take three hours s ..well I have put in 5 requests in the last 25 hours and still have no XXXX XXXX XXXX # and now the XXXX XXXX supervisor at bank of America says XXXX XXXX says there is no guarantee it would get approved ... Approved? Really? It's not like I'm trying to make a loan ... I have more than enough money in my edd account .. so I have no idea what the problem is .... No wonder bank of America made more money in fees and surcharges than California paid out in unemployment benefits ..and there are being sued every day of the week ... Unemployment needs to rethink there strategy on how to deliver benefits because this is INSANELY RIDICULOUS AND UNCALLED FOR. 
So I will sit here in the middle of nowhere with not a cent in my pocket ... I got plenty in the bank and don't need this problem or could be home .. bit no bank of America wants to steal my money to and pass the buck and blame XXXX XXXX?? XXXX .... XXXX 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 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: GA

Complaint narrative:
Company has failed to provide proof with my signature showing they have validated this debt m. This company continues to violate CFPBs rules and regulations this company continues to disregard the rules and regulations as it pertains to providing this said debt with my actual signature validating that said debt correct and accurate. I have already provided proof to XXXX that this is not my debt and this debt was removed from my credit file. This company continues to report inaccurate and false information on my XXXX credit report. This company did not provide proof of any documents showing an ink signature on an actual contract indicating I have validated this debt and indicating I have acknowledged and obtained this debt. Instead this company provided a copy of a factious drivers license that does not belong to me and which has already been identified in my police report that is in file with the credit agencies, this item does not belong to me remove it from my file. Providing a copy of a drivers license does not substantiate this debt belonging to me nor does a copy of a drivers license indicate I have obtain this debt and validated that this debt belongs to me. As stated earlier I have already filed identity theft report which is located on all three of my credit reports please remove this debt this does does does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts 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 - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
While reviewing my reports I noticed that Seterus loan number XXXX is reporting erroneous information to the credit bureaus ( specifically XXXX and XXXX ). They are reporting that the account closed in XX/XX/XXXX and are reporting payments as late XX/XX/XXXX while the property sold in XX/XX/XXXX causing a negative impact on my credit score and history. 
When I called the customer service department of Seterus at the number listed on the credit bureaus ( XXXX XXXX ) to request appropriate reporting of the closing date and payment history I was told that the last transactions that are seen on their records posted in XX/XX/XXXX. 

PS : Please note that at the time that I had this loan I was using my maiden name XXXX XXXX and when I called the number given I spoke to a person in the customer service department of a company name Mister Cooper which is a company that I had never had business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Acknowledge Debt Resolutions
State: NY

Complaint narrative:
ADR has called me a few times and could not give me ani info in regards to this. All they kept saying was I knew it was and i should pay my bills and he was trying to help me out not get sued. He has also started calling my friends to frighten them as well

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021, I deposited a check for {$510000.00} into my checking account at CHASE. The check was from the settlement of the sale of my house. On XX/XX/2021, I went online to Chase.com to my account. The deposit was there and it stated that it was available. I then transferred ( by XXXX ) {$520000.00} to XXXX XXXX. XXXX said I could now buy investments to my account. The next day, Chase put a hold on the cash. This was after they said, ( online ) that the cash was available and they did transfer it to XXXX. My Chase account shows a deficit of about {$500000.00}. I tried all day including visiting a local branch for assistance. Their phone service is intolerable with referrals to other phone numbers. My complaint is that if their computer made the funds available, they should honor this action and provide access to correct the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: MA

Complaint narrative:
They deducted amount from my bank account inspite of wrong recipient details and the fact that the transaction was cancelled. 
They told me that they will refund within 24 to 48 hours which they didn't. I didn't received back the funds. They are now telling 10 business days. I have my whole emi due which because of remitly wrong conduct and fraud has been bounced. They have the recording too of the supervisor promising me that money will be reflected within 24 to 48 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
In my dispute letter, I specifically requested proof of the VALIDATION of the debt under the Fair Debt Collections Act. I asked for the company to include documentation. The company corrected payment information, however, did not provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XXXX has called me a few times and could not give me ani info in regards to this. All they kept saying was I knew it was and i should pay my bills and he was trying to help me out not get sued. He has also started calling my friends to frighten them as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
I have a purchases I did not make on the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I have an account on my credit report, reporting to XXXX XXXX XXXX  reporting an account with Continental Loans/Security Finance as late then updated to missed payment when I have sent in proof the payment was never late or missed but they are failing to update the account as such ruining my credit when Im trying to start the process of purchasing a home. I contacted the lender the loan is with and they confirmed this was an error on XXXX part not theirs. XXXX is also not updating accounts correctly and in a timely manner. I have accounts on my report that has not updated since XXXX and when I called them advising to update the accounts the next few days the account updated as closed. THis is continuous and ongoing issue with this credit bureau that needs to be corrected as soon as possible as they are ruining peoples credit due to their negligence of updating accounts properly. There are also inquiries that were not made by me that I have disputed but again they will not remove them.

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 2021-04-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit score has always been low even though I established it at XXXX. I have been responsible and I am not sure why it has been low. And seem I can not improve it no matter what I do. I feel a little discriminated against. 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 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
I have been constantly disputing a collection that Hillcrest & Davidson is reporting to the credit bureaus. For some odd reason the credit bureaus are saying that the collector has verified the debt. I find it pretty strange because I sent a letter to Hillcrest & Davidson requesting information about a debt the debt and it has been over 30 days and I never received any proof that the debt belongs to me, how they calculated the amount owed, nor any proof that are legally able to collect the debt. Here is the tracking number XXXX XXXX XXXX XXXX XXXX and it confirms that they received the letter XX/XX/21. It is XX/XX/21 and I have not received anything that corresponds with my request. 
Since Hillcrest & Davidson has failed to respond to my request. This account must be deleted from my credit reports. They can not collect on this debt legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Received a debit card in the mail XXXX from Chime with instructions on how to activate the debit card. I did not under any circumstance open the account nor did i give anyone permission to open a account under my name. I have recently been a victim of identity fraud so all 3 credit bureaus have been locked. Apparently Chime does not require a credit check so someone was able to open the account without being flagged to the creditors. I contacted Chime thru email the very next day to get them to close the account and they stated they need a copy of my drivers license to verify and close the account. It seems they require more from you to close an account than to open one. I called the number multiple times and cant get a live person on the phone. I want this account closed right away to make sure no harm is being done. Its outrageous that you have to send them such private information to delete an account but dont require any prove of your identity when opening an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STL HOLDING COMPANY, LLC
State: LA

Complaint narrative:
I applied for a loan on a new XXXX XXXX property through DSLD mortgage on XX/XX/XXXX. I immediately submitted all of the requested document to the lender. I knew rates had gone down in XXXX so I inquired about doing a refinance of another property through DSLD mortgage shortly after XXXX. I figured it made more sense to refinance using this company since they already had all of my financials. I was told that the new purchases were priority and I would be taken care of when they had time. 

Finally in XXXX I was notified I could apply for the refinance. We filled out the application on XX/XX/XXXX. It is XX/XX/XXXX and I have still not received the clear to close. We are in the second 30-day interest rate lock. The lender continues to make up requests from me, oftentimes documents Ive already provided them. My wife and I have a low debt/income ratio, 800+ credit scores, and make more than enough income to satisfy the debt. For this individual property were trying to refinance, we receive $ XXXX in rent and the mortgage is $ XXXX. The lender keeps making up request from us and I dont understand whats really going on. 

I work as a XXXX XXXXXXXX, so it should never take 3 months for a simple refi of someone with our credit profile. I ask that someone please investigate DSLD mortgage to figure out why theyre not trying to let me close on this loan when I am more than qualified. I hope there is no reason theyre particularly targeting me. As of today, they have asked me for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have an account on my credit report, reporting to XXXX and Transunion reporting an account with XXXX XXXX XXXX as late then updated to missed payment when I have sent in proof the payment was never late or missed but they are failing to update the account as such ruining my credit when Im trying to start the process of purchasing a home. I contacted the lender the loan is with and they confirmed this was an error on XXXX part not theirs. XXXX is also not updating accounts correctly and in a timely manner. I have accounts on my report that has not updated since XXXX and when I called them advising to update the accounts the next few days the account updated as closed. THis is continuous and ongoing issue with this credit bureau that needs to be corrected as soon as possible as they are ruining peoples credit due to their negligence of updating accounts properly. There are also inquiries that were not made by me that I have disputed but again they will not remove them.

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 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union
State: NY

Complaint narrative:
Someone was able to open an account using all my information with First Tech Federal Credit Union. They used this account to wire money out of my XXXX account into this other account. I spoke to First Tech myself and they are doing an investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
Got a letter about this auto loan in collections, and they have been calling my XXXX XXXX XXXX mom advising her about attorneys, so I got this letter and called them said was for and XXXX XXXX XXXX back in XXXX when it was purchased I advised them never owned a XXXX or financed a XXXX advised of Identity theft back in XXXX where the female was arrested and did a year in prison so I was advised to file this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation