vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I started a mortgage process with Bank of America in order to buy a condo. 
The BA mortgage agent communicated both via email and the BA platform with us and his emails were always signed and included a BA footer with his headshot and address.

After numerous emails that included my real-estate agents and my lawyers, as we were getting close to the closing date ( the week of ) and we were wrapping up the last details, he sent us information for the wire transfer for a XXXX down payment. 
The document had the XXXX title logo and a Bank of America bank account to transfer. 
I completed the transfer at my local Bank of America office - 24h prior to closing date. 
He then sent us information about the closing date and time and location ( important fact ). 

I showed up at closing the next day to discover the down payment wasn't received by the XXXX Title association and I immediately recognized the fraud and checked my emails to discover that the last 3 emails were sent from the same name ( same footer, and as replies of previous conversations- but from a different email ). 

What made the situation more difficult was that the real agent stopped answering his phone bot the day before as I was trying to confirm the transfer with him and during closing, when he didn't send the closing papers - and " went on vacation '' without announcing this, we found out from his manager who eventually sent the closing documents. 

I reported the incident with Bank of America several times and nobody contacted me or even followed up on my claims. After numerous phone calls, Bank of America sent a " declined '' answer to my fraud investigation request, and they refuse to provide any explanation on why a claim involving a fraudulent email labeled BA and another BA fraudulent bank account shouldn't be held accountable in this case ( without a subpoena ).

Let me know if you need any details or documents but I would appreciate any kind of resolution you can provide, Thank you 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 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I recently found out that XXXX XXXX filed a lawsuit against me in Virginia where I do not t live. I was not served to appear in court and I knew nothing about the court dates. I do not live in Virginia. In addition, the debt they are trying to collect is outside of the statute of limitations in North Carolina where I live which is 3 years. I have disputed the information but they ignore my demands for proper handling of my account. I have not been sent any information. This can not be legal.

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 2022-04-26 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
Hi I see 5 hard inquiries that dont belong to me They are unauthorized this is not my account I had lost my license..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Hi I see 5 hard inquiries that dont belong to me They are unauthorized this is not my account I had lost my license..

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 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
Hello, I am reaching out because I have an account with Cash App and money was deducted from my account for charges that I did not authorize. I reached out to Cashapp in XXXX of 2022 and have yet to receive a response regarding the dispute that I filed. I can not reach a live representative by phone and when I attempt to contact their chat support they inform me that they are unable to assist with my request and that the escalations team will be in touch with me. It has been over a month and no one has followed up with me as if yet and its impossible to get in touch with anyone who can help. I have already been in contact with my local police and the XXXX XXXX XXXX about the company who charged me but only cash app can reimburse me. I am a XXXX XXXX and XXXX XXXX  on a fixed income, I do not have several months to wait on them to decide to contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
See CFPB complaint XXXX for background. I'm filing an additional complaint as the company did not address my concerns in their response. Please re-investigate this complaint ; they do not respond to the matter that is being questioned at all. Since XX/XX/2020, any application that has been submitted has been automatically rejected, denying my right to a fair review of a credit application and review. There is no reason that my account should be on a permanent denial basis moving forward indefinitely, and that is the status that it's currently in. When I called on XX/XX/XXXX and made a complaint with American Express, I was told explicitly that I would have a phone call returned with an update regarding my inquiry. The company failed to reach out to me and give me any update regarding my inquiry ; when following up subsequent times, they also had no additional information they could provide. 

My rights to have a fair, equal credit opportunity review and qualification are being denied. Since XX/XX/2020 I've been automatically declined for any AMEX product, when contacting the company to handle this dispute, I was told they would do research and get in touch with me in two weeks with a rationale. 

CFPB, is the only way of getting reprieved from this situation civil litigation? Is there any enformcentment to ensure they are aboding by ECOA?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
I would like to state that I am being harassed and threatened and sued by velo law firm in XXXX XXXX MI. I am being sued for a medical bill from XXXX XXXX fire department from XX/XX/XXXX. I provided my insurance information both primary and secondary to the hospital. the fire department never asked the hospital if I provided any insurance information so they decided to bill me directly. I tried giving them my insurance information so that the bill could be taken care of and they told me that they couldnt take my insurance information before they decided to send it over to collections.on XX/XX/XXXX I received a letter from velo law firm stating that they were going to garnish my checks even after I sent them my insurance information to get the bill take care of I am reporting this law firm because they are violating laws and that they are refusing to corporate with me when I am trying to get my medical bill taken care of. Also I would like to say that the representatives has been very rude to me and hung up in my face numerous of times when I would ask to speak to a supervisor velo law firm told me that my account was under review after giving them my insurance information and stated that they will garnish my checks even after they get the money from my insurance company. I than staked will I be refunded and the representative ignored me and told me that their is nothing that I can do. Also they didnt want to give any alternatives of removing the debt off my credit report, which is affecting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
My name is XXXX XXXX, And on XX/XX/2022 I was notified by XXXX, that my credit score was down XXXX points and when I looked shortly after the notification, I saw that it is was AFFIRM with over XXXX accounts in delinquency. I have never had an affirm account and I called them immediately. 
I gave them my email Address in which they told me that my name was no where on the account or attached to the email. And started a case? The lady on the phone stated it would take 10-15 business days to get this resolved, so on the following week I called in and they stated they would have an answer by Friday, no calls or updates. I called today and they stated " they couldn't resolve it yet and to give them More time, i than asked that my email be removed from Whom ever has this account, XXXX stated she couldn't. Which violates my privacy,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: GA

Complaint narrative:
I deposited USD on XX/XX/22. The withdrawal cleared my bank account on XX/XX/22 - however - still shows as pending on Crypto.com platform as of today XX/XX/22. As such- I am unable to withdraw my funds from your exchange. 

Money is inaccessible and I am without explanation or means of recourse. 

At this point I consider this money stolen as I am being provided no timeframe for resolution or any assurance that I will be able to recoup.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 Section 602 A. States I the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The list of accounts Below has violated my federal protected consumer rights to privacy and confidentiality pursuant to the FCRA codified at 15 U.S.C 1681 b ( a ) 3 ( f XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am willing to settle for {$1000.00} in civil liability damages I have suffered as a result of your violation persuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S C. 1681n ] , or Deletion.

Should you refuse to settle or Delete within ten ( 10 ) calender days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The list of accounts Below has violated my federal protected consumer rights to privacy and confidentiality pursuant to the FCRA codified at 15 U.S.C 1681 b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am willing to settle for {$1000.00} in civil liability damages I have suffered as a result of your violation persuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S C. 1681n ] , or Deletion.

Should you refuse to settle or Delete within ten ( 10 ) calender days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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 2022-04-26 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: IL

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my 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 2022-04-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate and a fraudulent account reported from my credit report. Contacted debt collector asked for proof of the alleged debt, specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting a misleading false account. This account was XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed a complaint against Equifax Credit Reporting Agency on XX/XX/XXXX and would like to add to it. Initially I was concerned only with what I thought was obviously affecting my credit score but after reviewing my entire report I have other concerns that I would like to call attention to for review and correction while a review is already being done. Please also consider the following : ( 1 ) I would like to have the Consumer Statement dated XX/XX/XXXX with a removal date of XX/XX/XXXX deleted. I never requested this Consumer Statement. I do recall asking Equifax to remove one of two " Hard Inquiries '' pulled on the same day by two different resources representing the same credit organization for the same loan. Also, there is no inquiry on my report dated XX/XX/XXXX, so the date used in this statement is obviously incorrect and no " inquiry '' stays on the credit report for this long ( six years ). I do not understand why this statement ( negatively referring to one of my most used creditors ) was even put on my report. 

( 2 ) Remove the two closed XXXX XXXX XXXX XXXX  accounts with negative account activity and 1st delinquency dates of XX/XX/XXXX. 

( 3 ) Correct the closed XXXX XXXX XXXX account to show a {$0.00} balance and last and actual payment to be {$11000.00} as this account was paid in full. 

( 4 ) Remove the closed XXXX XXXX account ending in XXXX. How can the date of 1st delinquency be XX/XX/XXXX when the account is showing to be 90 days late in XX/XX/XXXX? ( Therefore, the account had to be delinquent in XXXX and it is time for removal. ) ( 5 ) Remove the $ 40 monthly payment showing in the Credit Accounts section under the Summary. The balance for revolving accounts showing on the credit report is only {$13.00}. 

( 6 ) I am providing the following documents : -email from year XXXX from XXXX XXXX XXXX XXXX have been removed from my account as stated in my initial complaint -verification of payoff to XXXX XXXX XXXX including interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
For One The Address Is Wrong My Address Is XXXX XXXX XXXX XXXX The Address They Got Reporting Is XXXX XXXX XXXX South Carolina. Thats Not My Address, The Birthday Reporting Is XX/XX/98, My Birthday Is XX/XX/98. I Do Not Own This Debt. I Would Like It Removed From My Credit Report

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 2022-04-26 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-04-26 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: Chime Financial Inc
State: IN

Complaint narrative:
I bank with Chime and have been for 4 years now. Never had an issue with them until this happened. XXXX XXXX I filed a dispute for returned merchandise. XXXX XXXX I received an email from chime stating that my dispute was approved and the amount of {$850.00} would be posted to my account. Well it was never posted to my account. I called chime on the XXXX and they said that the issue would have to be escalated to the investigation department. Its been almost 10 days and Ive yet to receive an update or my money. Ive called everyday since the XXXX and they keep giving me the same story well have to escalate it again and itll be 24-48 hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # : XXXX XXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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