vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I filed a complaint back in XXXX of 2020 against a company called XXXX XXXX for taking unauthorized payments out of my account. I requested for my cancellation of membership with this company in XXXX, XXXX and XXXX, yet they continued to take money out of my account for leads. When I originally filed the complaint with Bank of America a credit was given to me until the investigation was complete. During this time XXXX XXXX continued to take money out of the account even thought I requested for the unauthorized payments to be stopped from this particular institution. The credited amount was then reversed because Bank of America stated that the company said I was still a member. I was not and have the supporting documents to prove so. When it was time for me to submit the documents that supported my claim I was no longer able to access my account due to other fraudulent activity on the account. Since then none of the money was able to be refunded back to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-05 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: GA

Complaint narrative:
I am been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Spoke with Equifax XX/XX/XXXX and they said they removed freeze. On XX/XX/XXXX they said hadn't and I would have to fax Drivers License, Social Security Card and written request which I did on XX/XX/XXXX. They are now telling me it won't be lifted until possibly XX/XX/XXXX. They have refused to let me do it on-line or via the phone. My XXXX XXXX account shows it lifted until XX/XX/XXXX but when I click on credit report it says it is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Fraud was committed on my account where someone stole access to my bank and made transactions. My banks fraud department notified me that they are unable to honor the fraud transactions stating the transactions were made from a device consistent with other valid transactions. I was a victim of fraud and I am unable to gain access to my bank because they are blaming me for the fraudulent activities when I have no information about this. I have been with this bank for years and I never had a problem like this before.

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 2021-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is holding my money without explanation since XX/XX/XXXX. I have no idea what to do because I have gone into the bank and spoke with the Relationship Managers who also received the same " stock '' explanation. 

XX/XX/XXXX Deposited check for {$16000.00}. It was considered a third party check because the homeowner and myself had to sign. 

XX/XX/XXXX Funds were released. I paid my real estate taxes {$10000.00} and small business bills. 

XX/XX/XXXX I repaid loan a {$3000.00} from family member who had helped me through several months. They then placed a XXXX hold on my account. I contacted them and was told it was due to fraud. I initially thought it was because of the large amount I paid in taxes. I was told by a member of the fraud department to call on Saturday to see if they had reviewed.

XX/XX/XXXX - I called and was told it takes 24-48 hours and call back on Monday. 

XX/XX/XXXX - I called in the morning and was told it was still under review by upper management and to call back after XXXX XX/XX/XXXX - Same as XX/XX/XXXX. 

XX/XX/XXXX - Same as XX/XX/XXXX. 

XX/XX/XXXX - Was told it was escalated to upper management and it would take 24 hours. 

XX/XX/XXXX & XXXX, XXXX - I contacted the fraud department again with my frustrations. They were clueless and could not understand why it was still under review. 

When I review my account online, it says I will received a letter in the mail stating when my funds would be available. I have yet to receive that letter. I just would like my money back so that I will bank elsewhere.

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 2021-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I was current on my credit card debt however, I decided to go with a debt management company to get my interest rates reduced. XXXX XXXX and Capital One were two of the creditors. Even though I continued to pay the same monthly amount. XXXX XXXX started sending reports to my credit bureau that I was 30, 60 and 90 days late in XXXX until XXXX without me missing a payment and sending the same amount I had always sent. Capital One put 30 days late XXXX without my missing a payment or reducing the amount I was sending. To be clear I never missed or reduced the payments I was sending prior to my contract with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have had an FHA mortgage with NFCU since XX/XX/XXXX and was forced to put my mortgage in forbearance in XXXX or XX/XX/XXXX due to hardship and Covid-19. I am XXXX and am required to XXXX  but have just become XXXX  for XXXX so this makes this all even more difficult to handle. 
I just found out that my XXXX  credit score dropped AGAIN, this time by 16 points because Navy Federal Credit union keeps adding to my balance despite everything I have read to the contrary, including their own statements that as long as you were current when going on forbearance, your credit will not be negatively affected by doing so. BUT, that is not correct and I have had my mortgage balance increase considerably since I started and because of that, my credit has been negatively affected several times over the last year. An increased mortgage balance is a red flag to credit bureaus as is the mortgage being reported as in forbearance or deferment which in turn eliminates your ability to get credit or for a potential creditor to loan money in this time of crisis for a customer or borrower. I can show through credit reports over the last year of the increase to my balance and the decrease in my credit score which is in violation of the CARES Act. I have tried to resolve this with NFCU in the past and today while attempting to log into my mortgage online through Navy Federal 's website, found out that I am LOCKED OUT of my mortgage. I will attach screenshots to verify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

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 2021-01-05 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 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 XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
My name is XXXX XXXX. I am a victim of a scam through social media. The person was posing as a family member and wanted me to go into an investment with a company with a man named XXXX ( his XXXX name is XXXX ; his number is XXXX ) .He then scammed me into investing in BitCoin . This was my first time ever investing in a company this big. Bad checks were directly deposited into my bank account, which resulted in a {$10000.00} overdraft. I have met with the bank officials and have talked to the police about this and the police opened an investigation. The bank officials told me that I could be held responsible because I gave out my information. The bank required me to pay the {$10000.00} in full, which I am financially unable to do. Therefore, they closed my account and the amount went to collection. The police opened an investigation, but they told me that they are at a dead end on the case and there are no clear or defined suspects to charge. I provided all of my documents to the bank officials and to the police and I am willing to provide them to whoever is able to help me with 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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted XXXX XXXX  and the balance is {$0.00}. Not understanding why this debt is being reported. XXXX XXXX Account # : XXXX for Address of service : XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX, GA 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 2021-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This is a complaint on top of an existing complaint XXXX. 
I still don't see the fund coming to my chase account. 
When did TDBank request the return of fund? 
I tried to call the number given in the response of complaint XXXX multiple times during XXXX XXXX EST, no one picked up my call. I don't want to waste more of my time to make so many following up calls without any value. 
I requested a daily update on the fund return status to be sent to my email : XXXX or through text to my mobile : XXXX I've been following up on my fund with TD Bank since XXXX 2020, I don't see TD bank take this case seriously. This is a servious process problem with TDBank, there is no execuse to keep customer 's fund for many months!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a response from Experian ( XX/XX/XXXX2020 ) where they say they updated the account information for XXXX XXXX XXXX  but ( XX/XX/XXXX ) XXXX  had already told me in writing they no " longer services the above-referenced returned account ''. 15 days before Experian stated they updated their reporting. Then again on XX/XX/XXXX XXXX said in a letter " they have been unable to locate an account ... '' How could Experian have received updated information from a company that no longer had the account? This has to be a violation and while I'm seriously considering sending this to a consumer attorney I want this removed! This is hindering my ability to obtain credit. And XXXX  is no better! When I asked for their method of verification the response was to contact the company providing the information. And the crazy thing is this account has a {$0.00} balance so what are they updating?

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 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I informed Capital One Bank I have been a victim of identity theft for over 20 years. I have sent Capital One Bank numerous identification documentation for verification of my identity and home address. Capital One Bank just close my secured Capital One Platinum MasterCard : XXXX due to identity theft issues again. Capital One Bank should not have close my account because I did apply for the Capital One Platinum MasterCard account. The was my credit card account and was not opened because of identity theft or a complaint made to the three major credit bureaus. I did open the platinum MasterCard account and want my account reactivated and back open because it was my account I applied for and opened. There was no fraud or identity theft issues made on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LoanCare, LLC
State: NY

Complaint narrative:
I HAVE A MORTGAGE LOAN WITH LOANCARE # XXXX. I HAVE MADE NUMEROUS COMPLAINTS ABOUT THE WRONG INFORMATION BEING ON THE LOAN. MY HUSBAND XXXX XXXX IS DECEASED AND I HAVE SENT THEM THE DEATH CERTIFICATE. I HAVE ALSO SENT A COPY OF THE DEED WHICH INCLUDES MY SON IN LAW XXXX XXXX. THE LOAN HAS 3 BORROWERS AND I NEED THE XXXX XXXX NAME REMOVED AND HAVE THE REMAIMING BORROWERS XXXX XXXX AND XXXX XXXX ON THE STATEMENTS FOR TAX PURPOSES. I HAVE STARTED CALLING LOANCARE FOR A FULL MONTH NOW AND STILL HAVE NOT GOT IT RESOLVED

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