vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a dispute to Experian, advising them of several credit inquires that are listed on my credit report, of which I do not recall giving them permission to check my credit. I have taken time to contact these companies and none of them have been able to prove that I applied for credit with their company and gave permission. Per Section 604 of the Fair Credit Reporting Act, credit bureaus must have permissible purpose from the creditor, written authorization, and proof that I initiated the hard inquiry. This law must be followed, otherwise anyone could check peoples credit anytime they wanted. I am trying to achieve several financial goals in the immediate future, so it is imperative that Im able to get this resolved. 

Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute filed XX/XX/2020, and to have concluded that reinvestigation within 30 days of the date of receipt of my dispute, which was XX/XX/2020. I sent this letter by certified / return receipt, so I know when they received it. I received no response from this bureau on this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: NJ

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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 got EDD debit card ( California ) from Bank of America few months ago. 
Unauthorized Cash was withdrawn from my EDD card, even I had this atm Card whole time and no one know PIN number. 

On XX/XX/2020, {$1000.00} was withdrawn ( unauthorized ) from ATM machine. Next Day morning ( XX/XX/2020 ), I called the Bank of America customer service and reported fraudulent charge on my EDD ATM card. 
On XX/XX/2020 received a letter from Bank of America that said case was already closed. The reason was subject of fraud or suspicious activity. So they are saying they are not going to reimbursement of the fraudulent charge. 

On the actual Letter from Bank of America, the responses date was XX/XX/2020. So seems like with one business, BoA claim Dept made decision for favor of themselves. Not protecting the customer. The response letter was not saying much ... 


FYI, when I first got BoA atm Card, there was a Welcome package in the envelope. It said Zero liabilities on unauthorized charges. 

So I called Bank of America, many times but soon as they pick up the phone calls from me they hang up the phone calls. Usually I had to waited for 2hours or more for each calls. 
So I could not talk to them. 

This is totally wrong business practices Bank of America are doing now. I searched online there were countless of similar to cases of mine. Many people are speculating that Bank of Americas system got hacked.

Please investigate this Bank of America EDD Card fraud cases. Thank you.

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 2020-10-29 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Account JPMCB Account # XXXX opened in XXXX. The company closed account without merit in XXXX. Then came after me for monetary of {$250.00} then over {$500.00}. I disputed with agency over three times and with Credit Bureaus. It was closed disputed even fraudulantly. The company never provided proof of amounts. I requested it to be resolved a settlement was offered. Then I knew I did not owe them because they had never provided summary report on account. XXXX XXXX XXXX Account # XXXX. Car was surrended on XX/XX/XXXX voluntarily with no payments due. The company sold vehicle in auction then requested {$7000.00} then over {$8000.00}. I was offered a settlement. The car had been sold repo and there trying to get a double pay. The vehicle has claim form for XXXX class action settlement on XXXX XXXX gasloine direct injection engine. In which I was having problems when leased that is why I retuned it behind defect. The company is trying to profit on two consumers when, vehicle was sold in XX/XX/XXXX. Then the company expected me to pay for XXXX until XX/XX/XXXX. Someone was untilizing vehicle in company they need to be responsible for usage. Also pay for punitive damages of selling a defective SUV that is now in court for defective engine failure. I am requesting that both companies because the accounts are closed be removed off credit report due to insufficient accountability of amounts being owed and fraudulant amounts being submitted as dispute on the record. When it is over three years of servicing me as a customer. Providing updated information when accounts have been closed for not providing proof of service amounts being requested. There being made up as time progesses to receive monetary that is not due for service not being received in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I got scammed from a person on XXXX  claiming to be an XXXX  XXXX. He is running a scam preying on sick people. I first heard of him from my grieving page on XXXX for women who are or have faced multiple miscarriages. His XXXX address and XXXX  number was provided so I contacted him via XXXX messenger on XX/XX/XXXX because I had just went through unexplained XXXX. He asked me for {$1000.00} to help cure my XXXX. I bargained and he agreed to {$250.00}. I send him the money through XXXX on XX/XX/XXXX. He immediately contacted me back saying he needs to send me stronger medication and asked for another {$500.00}. Again I bargained and he agreed to {$150.00} which I send through XXXX on XX/XX/XXXX. Then he said he has my package ready and needs me to send {$1000.00} for prayer. That's when I knew he was a fraud. He posted my package on instagram which had my personal information so others started calling me telling me he is a scam artist and that his medicine has made them sick. Others asked me if he is legit because he keeps taking money from them. I asked for my money back but he blocked me. I than reached out to my my bank which is Bank of America to reverse/retrieve my {$400.00}. They opened a claim number ( XXXX ) but then the bank got back to me and said they will not be able to retrieve the money even though it was a scam. 
The scammer 's info is as following : XXXX is XXXX XXXX  messenger XXXX XXXX. Or Email : XXXX His XXXX account through this : XXXX XXXX. XXXX  XXXX XXXX # XXXX. Checking acct # XXXX Account : XXXX XXXX Country : USA Amount $ Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny. 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 2020-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of identity theft and noticed unauthorized inquiries and accounts reporting on my credit report. I contact the creditors as well an the three bureuas to take action to getting this information corrected. I was told I needed to submit an FTC report along with police report which I provided. After about 10dyas I called to check the status of my case and was told by a supervisor that my documentation that I printed from the FTC site was not approved. This has caused me emotion stress and cause me denial of applications due to unauthorized, inaccurate reporting from the credit bureaus from no fault of my own due to negligence of my information being leaked from a data breach from the credit bureau. I have done what was asked of me and the credit bureau is not following the law where it states FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be 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 explanation
Consumer complaint received 2020-10-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of identity theft and noticed unauthorized inquiries and accounts reporting on my credit report. I contact the creditors as well an the three bureuas to take action to getting this information corrected. I was told I needed to submit an FTC report along with police report which I provided. After about 10dyas I called to check the status of my case and was told by a supervisor that my documentation that I printed from the FTC site was not approved. This has caused me emotion stress and cause me denial of applications due to unauthorized, inaccurate reporting from the credit bureaus from no fault of my own due to negligence of my information being leaked from a data breach from the credit bureau. I have done what was asked of me and the credit bureau is not following the law where it states FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
I have been on a COVID forbearance since XX/XX/XXXX due to me no longer working due to COVID. I received a letter from XXXX/The money source advising my escrow was short and demanded {$3000.00} because they paid out for homeowners insurance 3 times. I borrowed the funds and mailed the escrow payment in XXXX. The payment came in 2 checks with escrow deposit written all over it with the escrow coupon. XXXX/the money source held the checks for over 1 week before actually showing on the account. I called daily to find out what was going on because the money had already come out my account but they didn't post it until XX/XX/XXXX and did not it towards escrow as they should have. The posted the month as 2 payments because its behind which doesnt matter if Im requesting funds be placed back in my escrow that was paid out three time by you people. MY MONEY SHOULD BE PUT TOWARDS THE ESCROW AS REQUESTED. YOU DO NOT DETERMINED HOW FUNDS ARE APPLIED. MY LOAN IS OWED BY XXXX  XXXX AND NOTHING TATES I CANT PUT FUNDS TOWARDS ESCROW. THEY DEMANDED THESE FUNDS AND THEN TOOK IT AND APPLIED AS THEY WANTED TO. I AM IN A FORBEARANCE. The representative talk to me like I'm beneath them because im behind on my mortgage which is not due to any fault of my own. They do nothing to help but tell me Im past due. I feel so ashamed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: LA

Complaint narrative:
On XX/XX/2020, I mailed a letter Certified Mail to United Revenue requesting more information about an implied debt. I have yet to recieve any response from United Revenue regarding the information that I requested, nor have I recieved my return signature reciept back in the mail. I understand that it is not pass the 30 day time frame, but shortly after I sent the letter I have been getting updates to my credit report on a weekly basis by United Revenue, which was only updated once a month prior to my request. I believe that United Revenue is making a malicious attempt in retaliation to my request to lower my credit score, and damage my credit profile by repeatedly reporting the same information on a weekly basis with no apparent updates. I believe United Revenue intentionally did not the sign the return reciept and has catergorized my request as frivilous.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From XX/XX/2020 through XX/XX/2020 Bank of America has continously allowed a vendor, XXXX XXXX, to make back to back ACH charges weekly on my account without authorization. Then BofA began charging not only overdraft fees but additional fees while clearly seeing this vendors continuous back to back withdrawals. Even after filing a claim for return of fees ( claim # XXXX XXXX and asking for a stop payment, two more transactions occurred and additional fees. While I have on occasion been able to overdraft my account via a cash withdrawal, immediately following my account was suspended from doing so but BofA could offer no explanation to the change which was reasonably adverse and retaliatory to my filing complaint about their handling of my account. Still no resolve, no return of fees and vendor still charging.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters informed me when I settle my accounts that it would be deleted from my credit reports. It was deleted from two of the bureaus report but not from the XXXX  report. I have disputed it, one of the accounts dropped off for a month and then it reappeared back on my XXXX  report. The other account with them never came off. This is not what I agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC
State: NY

Complaint narrative:
The below is the email I received. 
Final Notice Case File No : XXXX Personal NATIONAL CREDIT ADJUST XXXX XXXX XXXX ( 2 hours ago ) to me Dear : XXXX XXXX, We have given you every chance to resolve this matter outside the court house but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment, we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit if you pay settlement amount today. This will be your final opportunity to resolve matters without the expense of court proceedings. 



At this time your case file has been marked as a primary suspect, so at this time if I send you something in a writing its defamation of character, as well as it was mentioned in the contract paper between you and the company that if a person is failing to repay loan in a stipulated time period, then the company is not able to send you any kind of written documentation, FDCPA rules and regulation under the section us law [ 15 USC 1692c ] 805 ( b ) you need to check it out or you can also ask for any federal attorney. 



3 Hard allegations have been pressed against your name and your all information. 



1. Violation of Federal Banking Regulation. 

2. Collateral Check Fraud. 

3. Theft by Deception. 



Financial and personal contact information are current per our skip trace. 

Personal information regarding this account obtained with a recent skip trace : Debtor : XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Drivers License : XXXX Bank name : XXXX Account number : XXXX Routing number : XXXX We are prepared to proceed with legal action. However, our company would prefer to give you one last opportunity to make payment and avoid legal action. 





If you take care of this out of court then we will release the clearance certificate and we will make sure that no one will contact you in future. 



Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. 



Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you, Sincerely, NATIONAL CREDIT ADJUSTER,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I changed hazard insurance providers on XX/XX/2020 and my insurance agent faxed the new policy information to my mortgage servicer, Loancare ( XXXX ), on XX/XX/2020. I then received two letters saying they did not have the new insurance information and they would potentially be purchasing very expensive hazard insurance for me. I contacted my agent and he showed them that he had faxed them the new policy information on XX/XX/2020. They told him that I had to call and verbally confirm that I had changed insurance providers ( I have never heard of this and believe this to be a business practice in bad-faith, trying to make it harder for me to prove I have hazard insurance ). I tried to call the " XXXX XXXX '' that XXXX said needed the information several times the week of XX/XX/2020. There is no way to get a person on the phone when I called the " XXXX XXXX. '' None. The automated system is so XXXX  and there is not a choice to speak to a customer service person. The automated system continued to say that they did not have hazard insurance information for me on file. Loancare/XXXX  appears to be deliberating making it impossible for me to update my insurance information, presumably so they can 'buy ' me insurance from a company at an exorbitant rate. I consider them to be acting in bad-faith by requiring me to verbally confirm a change in the policy, when the policy is obviously in my name and on the home that I own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: CT

Complaint narrative:
This company is refusing to correct my Personal Information and my SSN I submitted all the documents requested by fax and regular mail. 
please see attached. 

this company refused to accepted my disputes with the excuse of me having multiples SSN and that's a false statement. 

please see attached letters sent to this company ( Experian ) and documents as proof of identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
THE MORTGAGE ACCOUNT ON MY CREDIT REPORT IS INACCURATE AND NOT VERIFIABLE. I DO NOT ACCEPT OWNERSHIP OF THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Budget Planners of South Florida, Inc
State: CA

Complaint narrative:
Dealing with the company National Budget Planners, the sales representative, XXXX, XXXX Ex XXXX, who repeatedly made material misrepresentations about the actual lender who would be buying out my loans if I am consolidating, telling me that XXXX is a private entity and my load would be bought out directly by the Department of Education ( lied about the actual entity who would be buying out my loan ), and also promised that by consolidating I would not loose my history of prior payments under income based repayment, which the representatives at XXXX confirmed is completely false. They were also attempting to charge monthly fees to " maintain '' my application. This is a dishonest and fraudulent company that nearly cost me over {$100000.00} in prior payments, and should be shut down and disciplined accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Recently on XX/XX/2020, I mailed out a validation letter to Wells Fargo Bank, Nevada. The reason for this validation is a report on my credit history that I have not previously received validation for in the amount of {$9800.00}. Today, on XX/XX/2020 i received this same letter back with a return to sender stamp, unclaimed. I have also made a 2nd attempt to reach the company via fax, their fax number on record currently being XXXX. I have no recollection of this debt, and my request for validation of this debt has not been provided.

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