vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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:
As of XX/XX/2020 I have been having trouble with my prepaid edd debit card account, my deposits have been removed and they have been not replaced with no explanation of what happened to the funds. After that date I had gotten several deposits in which I was not credited the correct amount and I have no record in my statement of what happened to my money. Through out my account there are transfers to an external bank account that I have no idea of where the money is being sent to. I contacted bank of america on several occasions and I was told that the account balance is right and the amount that is being displayed is correct. I attempted to contact the bank claims department and they told me that they had not made any mistake and they said edd took the benefits back. I contacted the edd and they said that they would not have taken any of the benefits disbursement back. I tried to contact the claims department once again and I was told that the account was frozen and it was under fraud case. I spoke to the fraud department and was cleared by them and I was transferred back to the claims department and was told that the account was going to have an open claim for the unauthorized access and I was sent a letter stating that the findings of the investigation are correct and the charges to the account are correct. I attempted to contact the claims department and was unable to get in contact with the claims department yet, I am going to be out on the streets because of the money that has been taken from my account. I have a son that is depending on me to make sure he has a roof over his head and this is putting that in jeopardy. The overall sum of XXXX dollars have been removed from my account since XX/XX/2020, and there are some transactions that are not made by myself as well. I am a single mother and I have no other means of supporting my son, all I am asking for is to have the funds that were taken out of the account replaced.

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 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has violated me the original creditor, consumer/ natural person rights pursuant title 15 USC 1692 ( a ) of the Fair Debt Collections Practices Act. Bank of America has use deceptive practices to collect on a debt that is not owed by using interstate commerce exhibits attached. On XX/XX/XXXX consumer credit transaction took place. Bank of America has only benefited from the consumer sale transaction and me the consumer/natural person has not benefitted Fromm the consumer credit transaction. Pursuant 15 USC 1602 ( p ) unauthorized use of my credit card I did not benefit from this consumer credit transaction. This consumer credit transaction has financially injured me and XX/XX/XXXX Bank of American close my line of credit without my ( Original Creditor ) permission. I sent an affidavit of truth that must be rebutted or it stands as truth in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The bank received an escrow refund of {$160000.00} on XX/XX/XXXX. Less than a week later I called and requested that this refund was sent to my address. Long story short, it's XX/XX/XXXX and I not only didn't receive that money yet but : 1. I've made multiple calls ( more than 20 ) and in every call I was told something different, from my address being wrong ( not true as their other letter are getting to me ) to " you never requested that escrow '' or " you should wait another 30 days to file the request again, that's how our system works '' ; 2. They were quick enough to register in my loan activity that the check was sent on XX/XX/XXXX, but they never registered in the activity that the check didn't get to me, that I asked for a cancellation of that one, that they issued another check ( in theory ), and that I requested to register that the money is still in the escrow account, and not with me. 
3. They keep me waiting on the line, sometimes for more than one hour. As I write this I'm calling them for the Nth time and I've been waiting on the line for exact 66 minutes.

4. They keep not registering other changes I request and saying my address is wrong even though I need to say it every time I call. 
5. I always ask to receive a copy of all the recorded calls and either they say they can't send it or that I need to file the request by email. When I file the request by email, though, nobody ever answers. Thus, I'm being denied my right to get access to those calls and prove that they are holding my money against my will.

I now have a 2nd refund of the XXXX taxes that I am supposed to get and I have no idea how and when I will received. I have NO TRUST in this organization and in their service and I want to receive my money with monetary correction, as they would do if I didn't pay them in the right time. 

PS : after 69 minutes I decided to hang up and call again, as the person just said she was going to check something and get back to me in a few seconds. She was a supervisor and the quality of her sound was so bad that I couldn't hear her. That's the quality of the service we're delivered.

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 2020-11-24 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: NC

Complaint narrative:
XX/XX/2020 I mailed a letter to XXXX  and Equifax to remove inquiries off my report that I did not authorized. XXXX  deleted these inquiries on XX/XX/2020 after placing a fraud alert and freeze on my report, I had already contacted all the companies and they advised they did not have my info and that I need to contact the credit bureau 's and police. The police said they could not file an identity theft report because I don't have enough information or the person 's name that may have been using my information. I told this to XXXX  and equifax and notifed them several times and sent follow up letters several times to ask how they verified this information when indeed I did not authorize these inquiries and they have not provided any proof on how they verified these inquiries. Equifax responded on XX/XX/2020 stating they weren't deleting the accounts. XXXX  has yet to respond or provide me with an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not 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 2020-11-24 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not 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 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
This company stating they were XXXX XXXX has repeatedly called me 4 to 5 time a day after numerous times I have asked them to stop. It continues to get worse as now they have been calling me where it appears that it is coming from my old home phone number ( which is a disconnected number ) XXXX. These calls were made on the following date XX/XX/XXXX at XXXX ( there may have been more but this is the one I have record of ) Additionally, I have repeatedly told the company I can not pay as my husband is sick ( with XXXX ) and has to repeatedly check in with me throughout the day and I have to pay his medical bills. After I shared that information they called me and made it look like it was coming from his cell phone. I had to leave work in the middle of teaching a class and answer thinking something was wrong and it turned out to be the debt collector. This was done several times on the following dates : XX/XX/XXXX at XXXX I was so shocked I asked them how in the world could they make it look like they were calling me from my sick husband 's number and they told me that the " computer did it '' I told them to NEVER do this again explaining the stress it puts on me and I thought something was wrong with my husband. They then called me again on XX/XX/XXXX at XXXX XXXX. I asked again to please stop calling as my husband. Then they called again but I can't remember the exact date but should be in their system. 

Turns out the company name is not XXXX XXXX but it is Nationwide Credit XXXX. XXXX XXXX XXXX, DE XXXX. 

These repeated harassing and deceptive calls from the company should not be allowed and are causing me and my family a lot of stress which I do not need with my husband being so ill. We are trying to make ends meet and I have shared that numerous times while asking them to please stop calling but it only got worse and more deceptive. I have a phone recording of this if needed.

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 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Received letter in the mail from Convergent Outsourcing, about a XXXX bill for {$6400.00}. I called them and told them repeatedly that I never used XXXX / XXXX. Told them the same thing on the phone, not my debt! I called XXXX and they have NO account in my name! These people were able to get this on my credit report, even though my credit reports do NOT show a XXXX account. I was suspicious when they offered to settle for 60 % in the first mail I received. What can I do?

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 2020-11-24 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: NY

Complaint narrative:
To whom it may concern, I recently was sent a pre approval link from XXXX  I went to it and signed up. On the link it said pre approval will not run a hard pull without me giving consent. This was all done XX/XX/2020. Now on XX/XX/2020 it is showing a hard pull and decreasing my experian score like crazy. I called XXXX twice on XX/XX/2020 both customer service reps agreed with what I was saying. They told me best to contact experian so they can remove it. I than called experian waited on hold and kept talking to robots and not a live person. I was than recommended to come here so that you guys can help solve and fix this problem since it is in accurate and not authorized by me. I want this off my credit report with anyone XXXX  ran my score through. In there own tape recorded conversations they had stated all I had to do was contact experian and show picture proof if i couldn't get them on the phone. I have picture proof which i will attach of XXXX  saying pre approved, the inquiry being place and the credit drop it created.

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 2020-11-24 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: NC

Complaint narrative:
XX/XX/2020 I mailed a letter to Transunion and XXXX  to remove inquiries off my report that I did not authorized. XXXX  deleted these inquiries on XX/XX/2020 after placing a fraud alert and freeze on my report, I had already contacted all the companies and they advised they did not have my info and that I need to contact the credit bureau 's and police. The police said they could not file an identity theft report because I don't have enough information or the person 's name that may have been using my information. I told this to transunion and XXXX  and notifed them several times and sent follow up letters several times to ask how they verified this information when indeed I did not authorize these inquiries and they have not provided any proof on how they verified these inquiries. XXXX  responded on XX/XX/2020 stating they weren't deleting the accounts. Transunion has yet to respond or provide me with an update.

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 2020-11-24 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: RockLoans Holdings LLC
State: TN

Complaint narrative:
Im a victim of identity theft and have had a fraudulent personal loan that has been opened in my name with your company Rocketloans. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. The address, phone number, email, and information on file does not belong to me, and non of the information regarding these accounts where verified that they belong to me. Per the Fair Credit Reporting Act ( FCRA SECTION 603 ) if an account is reporting inaccurately or if a consumer is a victim of identity theft the account in question is to be removed/deleted off of a consumers credit file. I have sent you a debt validation letter, ftc identity theft report, and police report showing that these accounts are deemed as fraud. In spite of that XXXX has failed to provide me with a proper validation of the debt. You have been notified that your actions are detrimental to me and that your company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your bank knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Rocketloans for intentional infliction of emotional distress and at the other diminishes of the quality of my life. This fraudulent account need to be removed out of my name, and off of my credit files immediately! Please take in consideration my concerns regarding this matter and I hope to hear from you in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: NV

Complaint narrative:
I reviewed a copy of my credit report and I found inaccurate or fraudulent inquiries showing within my report. I have completed an FTC/ and police report which was forwarded to the credit bureaus to investigate. I have been continuing to have difficulties with removal.

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 2020-11-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
The company locked access to funds on the account because I submitted a change of address. After months of back and forth on how to resolve this problem, I was told to fax my information to them. On XX/XX/2020, I faxed over my information. About a month later with no progress, I was told that they had given me the wrong fax number. On XX/XX/2020, I faxed over the information again and followed all procedures. Today on XX/XX/XXXX, I was told that they cant find the fax and was told to fax it again. My account has been locked for several months and I just need access to unemployment funds. I kept getting told to wait and call back or that theres nothing they can do. I even spoke to a manager and she was the one who said to try again.

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 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I got a derogatory mark on my XXXX  and XXXX  credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I'm victim of identity theft. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. SEQUIUM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I reported two months ago. They still made incurred balance on account. I call them and they would no talk to 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 explanation
Consumer complaint received 2020-11-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

Company response to consumer: Closed with explanation