vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
THIS IS A POD ISSUE I am the POA for a POD beneficiary. Bank of America has a copy of the POA on file in the Estates Unit. I went into the bank located at XXXX XXXX XXXX where my ID was validated and notarized and then the form was forwarded to the Estates Unit. The Estates Unit then mailed me the beneficiaries check made payable to the Beneficiary only. I took the check to the XXXX XXXX XXXX bank location and a copy of the POA to cash the check, I signed the beneficiary 's name ( by ) MY NAME, POA. I was informed I could not cash the check because the beneficiary did not have an account at BOFA. I reminded the bank manager that the beneficiary had been incarcerated for about 5 years and did not have docs to open an account. I was informed without the beneficiary having an open account, they would not cash the check. Therefore, with the beneficiary being locked up and no way to open an account, how does BOFA plan to issue the funds, if not to the POA nor will they wire the funds to Texas Inmates. I called the Estates Unit and was advised they would not and could not add my name as POA to the check in any way. When asked what could I do. I was told as far as they are concerned the matter is closed because a check payable to the beneficiary was issued. I explained if the check could not be cashed then BOFA would retain use of the funds which are not theirs. BOFA is fully aware that the beneficiary can't manage his financial affairs due to the POA they have on file. THEY SENT THE FORMS TO ME TO AUTHORIZE RELEASE OF THE FUNDS AS POA however, they will not allow me to CASH THE CHECK. PLEASE HELP! BOFA has developed a process to allow them take what is not theirs 's. One way or other ( via opening another account to deposit funds or issuing a check they refuse to honor. They will keep the money. The check issued amount is {$3400.00} check number XXXX, dated XX/XX/19. Remitter ID 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 2019-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
XX/XX/2019. Covington credit has called my job twice and was told not to call my job and the young last I spoke with was XXXX. They are pretending to be collection agency and when I told her not to call my job she said she wouldnt have to if I answered my phone. The amount was XXXX I believe. I told them several times that I will pay them when I get my money in order and didnt give them a time table.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bryant, Hodge & Associates LLC
State: PA

Complaint narrative:
Bryant Hodges Associates keeps call my phone trying to get money over the phone nothing ever mailed to me or nothing telling me I owe them money and just playing phone games. I have also filed with the US Attorney office on Bryant Hodges Associates

Company response to consumer: Untimely response
Consumer complaint received 2019-11-21 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
Filed a complaint before only for you guys to close complaint cause the credit company sage stream reached out one time leaving a message for it basically end in same results .. I even filed online to receive my report ( got the info that says it was accepted ) ( screen shot ) and still nothing so what the excuse now? .. also still cant ever reach a person on the phone from sun up to sun down its automatically sends you to a voicemail that promises to get back to you in 24 hours ( nothing ) .. this is a is beyond baffling to me to receive a report and to place a freeze I have never been through any of this with other credit agencies and you allow this company to run ( something isnt right )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have never been able to get a credit report from annual credit report for Equifax. If I have its been several years since I have been able to. I am not able to pass the verification questions because they have wrong data on my reports. I sent a copy of my drivers license and my social security card to them certified mail and they received it on the XXXX of XXXX. I called and explained the issue, and was again asked about 10 more open ended questions about my report. I explained that I was in bankruptcy and that I would need to know if she was looking for information from before or after. The representative did not know how to answer that question. She continued to ask me questions and then locked me out again. She had my drivers license and social security card the whole time. The purpose of me sending my documents was to avoid having to answer those questions again. I am now being told that they want a copy of a bill. Once I provide that they will do the something again. I can see incorrect information on my credit report through another bureau that Equifax is reporting. My rights are being violated by this reporting agency. They are refusing to give me my report but are continuing to ask for more and more information. I spoke wit XXXX, in a country outside of the us and her agent number is XXXX. It is now XX/XX/2019 and this company never sent my credit report after getting my documents on the XXXX of XXXX. They also told me that I could not log into Equifax.com due to my IP address but my partner is logging in just fine on the same computer. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: Convergent Resources, Inc.
State: NY

Complaint narrative:
I went on to my credit monitoring site and noticed that there or some incorrect accounts on my credit report the accounts or convergent outsourcing in the amount of $ XXXX the date is XX/XX/XXXX that account is on my XXXX, XXXX and my XXXX  as well then its another account that just on my XXXX  and it is XXXX XXXX XXXX in the amount of $ XXXX date opened XX/XX/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 2019-11-21 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 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: FL

Complaint narrative:
I have requested three times for Experian to verify through the physical verification of the original signed consumer contract and three times the response from Experian has been that the data furnisher has verified the accuracy of the disputed information. 
The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), does not say that data furnisher has to verify the accuracy of the disputed information. The law says, Experian is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on my credit report. 
As of today you have not provided me with a copy of the original signed consumer contract. The law is very clear if you can not provide me with a copy of the original signed consumer contract the information must be deleted from my credit report. 
This is my forth request that Experian provide me with the requested consumer contract or delete the information. 
I am demanding that Experian comply with The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and  delete the following accounts from my credit report : 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX Experian is in violation of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ).

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 2019-11-21 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:
I had nothing to do with the accounts listed

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 2019-11-21 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Investigation did not fix error.

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 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: LA

Complaint narrative:
When i first got this account i made it know to NEVER call my place of employment. An issue with their payment system during a flood delayed payments from posting. They called all day every day on my personal line until their system updated. This month I was actually in deed late and Today XX/XX/XXXX instead of being contacted on my personal line they called my place of employment which caused disciplinary action bc we are not supposed to get personal calls at work. No attempt was made to contact my personal line. No voicemails from conns on my personal line and when i called their payment center i was told that they didnt have my personal line. So somebody took it upon themselves to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: MD

Complaint narrative:
Tried to remove a charge off on my credit report from XXXX XXXX  for XXXX Experian wont remove it - it is not my account Thank you 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 2019-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and Santander had an account opened because of the theft that was dont to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I went through a loan modification with US Bank in XX/XX/2019 and was specifically told my HOA arrears would be included and made up to date. Fast forward six months and I am now being foreclosed upon by my HOA for delinquent dues. I contacted US Bank and they didnt seem to care or provide any help. I asked for the audio recording of my conversation with their representatives and they told me to go get a subpoena. I'm danger of loosing my home and my HOA fees are tripled due to legal fees. US Bank is completely negligent with their erroneous information provided 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 monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
Company Patenaude & Felux a 3rd party collections company for XXXX  sent a collections letter to an address I had not lived in since the year XXXX, the notice was sent in XX/XX/XXXX. In XX/XX/XXXX the company proceeded to serve a person at the address that is unknown to me. They fraudulently obtained a judgement against me for {$2400.00} in XX/XX/XXXX. I discovered this judgement in XX/XX/XXXX when I was looking for records for a family member. 
The company mailed in XX/XX/XXXX, a new service for renewal of judgment to the same old address that I have not resided in since XXXX. 
After reviewing County Records I discovered that the person they claimed to have served in XX/XX/XXXX did not reside that the address where notices have been said to be personally delivered to this unknown women.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: Knight Adjustment Bureau
State: TX

Complaint narrative:
Im filing this complaint because this company is being unfair. I paid the collection amount and I am no longer liable on this account but they declined to remove the negative reporting even if I already settled the account. Upon my conversation which resulted in payment, I was assured that the account would no longer report to my credit bureaus. 

My family is dealing with a lot of problems lately including a lease that will not be renewed so I am trying to purchase a home but I am unable to move forward as a result of XXXX XXXX XXXX placing this collection account on my credit report. My credit scores have dropped by over 90 points as a result of this one paid closed account. 

I would sincerely appreciate if they would submit a request to completely remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like the credit bureau to update my report to reflect the correct balance due on my XXXX account. The balance due is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: WI

Complaint narrative:
When trying to access my credit information from Equifax, I am asked to verify my account by supplying information about auto loan and retail credit cards. I do not have an auto loan or retail credit card. The item about bank credit card did not include any information that matches my own bank credit card. 

It appears that Equifax has my information mixed up with someone else 's. 

I have tried to access this info twice from Equifax, once on XXXX XXXX and today, XXXX XXXX. I attempted to submit a complaint to CFPB on XXXX XXXX and got a complaint ID number, XXXX. However, when I tried to print the complaint, I got an error message so I think it may not have gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello I'm XXXX XXXX I had an account with boa years ago. During that time I was a victim of fraud due to the fact that I cought it in time for the bank suffered no loss my question is what have they put a lifetime band on me as if I'm some criminal. I fully corporated with them as well as press charges against the individuals that did it. So why did they block me from banking with them. I have contacted the several times to try and rectify this situation but only was given the clod shoulder. I went into a branch and was told to call when I called I was referred back to the branch..

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 2019-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I have a previous complaint about this company for the reason that they would not give me a payout amount. After lodging the complaint I called back and notified them that I had lodged a complaint with you against them. At that time they became very helpful and gave me a payout. Unfortunately they added an extra {$170.00} that they describe as interest. They are accruing the interest to XXXX. I made a wire transfer on XXXX, and payed the loan in full. The company specialize loan servicing just got the loan on XXXX. They have only had the loan 3 weeks. The interest per month is about {$45.00}. How did they get to the dollar amount of {$170.00}. I should not have damages or penalties due to them taking over my mortgage. Please help. Thankyou 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