vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Wednesday, XX/XX/XXXX at XXXX pm, I received a phone call from Bank of America ( caller ID showed Bank of America, phone number was XXXX which is the Bank of America Small Business Customer Service Number ). The call lasted for 48 minutes. 

This is the summary of the conversation. Bank of America called me to let me know of suspicious activity on my debit card for this account. The representative told me that someone tried to use my card at a XXXX in XXXX, FL. They wanted to verify the past few transactions on the account, and all of the ones mentioned were fraudulent and attempts in Florida. Afterwards, they said they want to make sure the XXXX transfer that has been initiated for {$15000.00} was done on my behalf. I assured them that it was not my attempted transfer. They stated that the money was going to XXXX XXXX in XXXX, FL. 

Bank of America sent me a security code that the representative made me repeat to him the security code sent. That code was sent through the Bank of America system ( a text message thread with other security codes ). 

I was told the representative had to speak to the XXXX department, and then I was put on hold for roughly 20 minutes with the same hold music that Bank of America has. 

The Bank of America representative told me that I needed to initiate the XXXX transfer to myself in order to set up an alert on the XXXX system. I sent myself the {$15000.00} through my own XXXX account/phone number with XXXX XXXX ( not my S Corp name ) and my phone number. 

After I set up the transfer I was alerted that I should see the amount refunded into my account in the next 3 business days. The representative told me his name was XXXX and his representative number was XXXX. 

The next day when the money was not in my account and I had time to think about it, I realized I had been scammed. When I called Bank of America to notify them, I was brushed off and had to continually follow up, even go into a bank branch to authorize my account that had been frozen. 

I filed a police report after the situation and have provided Bank of America with that along with call logs proving the call came from Bank of America. 

They have denied my claim at this point and are not accepting responsibility for this.

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 2022-07-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  Accounts # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX Ad XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, and account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the rights 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 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( The nonstop calls and letters threating litigation and incarceration, has caused me mental anguish, stress and XXXX  in which i now take medication for. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: CA

Complaint narrative:
Upon reviewing an updated copy of my Credit Report, it is clear that the Credit Bureuas have done nothing in order to completely remove the items I previously disputed. I sent a letter to the Credit Burueas on XX/XX/2022 with intent of having the fraudulent items be removed from my Credit File. I have read that the Credit Bureaus are required to remove any accunts and information that a consumer identifies as an item incurred due to Identity Theft. The items I am disputing do not relate to any transaction that I have made or authorized, neither did I received any benefits from the theft. I am submitting this complaint in hopes that the Credit Bureuas woulkd eventually take action and have the items investigated and removed from my Credit File. The following items must be removed from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$0.00}

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 2022-07-21 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: CA

Complaint narrative:
Upon reviewing an updated copy of my Credit Report, it is clear that the Credit Bureuas have done nothing in order to completely remove the items I previously disputed. I sent a letter to the Credit Burueas on XX/XX/2022 with intent of having the fraudulent items be removed from my Credit File. I have read that the Credit Bureaus are required to remove any accunts and information that a consumer identifies as an item incurred due to Identity Theft. The items I am disputing do not relate to any transaction that I have made or authorized, neither did I received any benefits from the theft. I am submitting this complaint in hopes that the Credit Bureuas woulkd eventually take action and have the items investigated and removed from my Credit File. The following items must be removed from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: DE

Complaint narrative:
I reported my card stolen and have contacted the police when it was stolen and it still has not been fixed the card company refused to give me the money and when I asked to close the account they said they did and it has been over a week and still has not been closed. I first attempted contact with the company on XX/XX/XXXX. After fighting back and forth for my money I requested on XX/XX/2022. It is XX/XX/2022 and my account has not been closed and I have not received any money and they just keep telling me to activate my new card but the system keeps transferring me and the bank refuses to give me my money.

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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Company- Experian XXXX Called and was stated to file complaint FTC XXXX incorrect reporting late payments on XXXX account XXXX for the months of XXXX, XXXX, XXXX, and 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 2022-07-21 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: MD

Complaint narrative:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX  XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. 
XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022.

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 2022-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
XXXX, XXXX a loan modification was completed on my account. At that time, the FHA HAMP Loan Modification offered an incentive of applying a {$5000.00} payment to loan balance in year six. I have spoken to multiple Wells Fargo employees in the Home Preservation Department, and their Executive Office regarding the matter. All employees were oblivious, and one stated that my account didnt qualify due to it being suspended during the Pandemic, and also due to Hurricane Ida although I was working with XXXX XXXX  program that received Federal Funding to help homeowners with the suspended payments. Wells Fargo was/is working with this program, and my account did not default as there was an unforeseen Global Pandemic as well as a Catastrophic Hurricane. 

In XXXX, I was working with XXXX XXXX of Wells Fargo in the Loan Modification Department. Numerous signed documents, including the Dodd-Frank Certification ( DFC ) form was submitted to Wells Fargo dated XX/XX/XXXX and is a qualification for the HAMP Year Six Pay for Performance Incentive. The information regarding the Incentive can be found at XXXXXXXX Pay For Performance, or at XXXX Home Affordable Modification Program Year Six Pay For Performance Incentive. The mortgagee is supposed to submit an application to the government, for the Incentive payment to be disbursed. 

On today, I spoke to a representative at the FHA Resource Center ( Reference Number XXXX ). I was provided information regarding a lenders responsibility Under Section 6 of RESPA. Based on the HAMP Loan Modification, HUD must receive a correct and complete claim submission Parts A and B of form HUDXXXX via FHA Connection or FHA Catalyst within 60 Days of the execution date of the : Claim Type XXXX XXXX -FHA-HAMP Loan Modification . 

In Conclusion, I need this matter thoroughly reviewed by a knowledgeable employee. The proper incentive needs to be applied to my loan balance, or legal action will be taken as a violation of RESPA due to failure to comply with Section 6s provisions.

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 2022-07-21 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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

TD AUTO FINANCE XXXX Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested record is settled. 


AM HONDA FIN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: FL

Complaint narrative:
on XX/XX/XXXX i received a bill from a debt collector name ( ERC ) Enhanced Recovery company trying to collect a debt of XXXX as XX/XX/XXXX between XX/XX/XXXX they said they bought the debt from XXXX XXXX XXXX my credit report has been damaged because of this they open it as a new account collection in my credit report. i call them on XX/XX/XXXX to ask them for the original contract agreement from this account and the representative denied my request because i refused to give her my address and also threatened with damage to my credit report she hang up on me, I called one more time i to get my request i was forced to give my address even though I didn't want i, then i received a mail with the verification and it was only a piece of bill from XXXX and XXXX, no contracts no payments history and signature. i called them back again on XX/XX/XXXX and had another altercation and they insist and damage my credit and threatened me with legal batters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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 — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I was recently denied a bank account due to reporting from ChexSystems. I attempted to request my credit report, and the online system keeps denying my credit report 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 2022-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been contacting Experian over the last few months to correct an issue with my account with XXXX XXXX XXXX. This account was paid off in full last XXXX. The last thing I heard from Experian was that the information was correct. I contacted the lender and was told that they were indeed reporting the account as paid in full/closed. I have been trying to reach someone at Experian but have not been able to get ahold of a live agent. There is no possible way they contacted the finance company to verify this information. Their incorrect information and lack of interest in reporting accurate is insane

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 2022-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
On XX/XX/2022, I XXXXXXXX  an overnight packet containing two checks requiring co-endorsement that I received from XXXX XXXX XXXX XXXX for repairs to my home post Hurricane XXXX. Also contained therein was a contractors certificate of completion, as well as the claims adjusters repair estimate, as was requested by Newrezs loss draft department. This letter was received by the mortgage company on XX/XX/XXXX. As of today, XX/XX/XXXX, the funds are being withheld for absolutely no reason with another phony assurance that it will be another ten business days before the checks are sent back to me. And this, mind you, after I was cajoled into purchasing a XXXX overnight package for {$16.00} for speedy return of the aforementioned checks to pay the roofing contractor. This so-called mortgage company with its endless list of consumer complaints and shady business practices needs to be fined and shut down. I also have evidence of fraud in handling of the escrow account attached to my mortgage. Currently, a forensic accountant I hired is reviewing prior account statements. 
The loss draft department has been negligent in answering the phone in a timely fashion. I base this observation on my inability to speak with anyone there after hanging on for 45 minutes or longer several times. A recording during the wait advises leaving a message, but this has proved futile because calls are never returned. Actually, TODAY WAS THE FIRST TIME my call was returned but by someone who claimed to be a mere call operator ( would not give her name ) and couldnt answer specific questions I had. Ten more days for management to review the checks, maybe. And this only after I called corporate headquarters in attempt to speak with someone in upper management. 
My mortgage loan was sold to Newrez by XXXX perhaps 4 to 5 years ago. Given the long list of complaints against Newrez by employees, customers and former employees, it is most unlikely I would select such abysmally dishonest company to conduct business with. 
Today, I called a Newrez/Shellpoint toll-free number and was instead greeted by an obnoxious salesperson with no interest in helping customers, only selling some kind of XXXX XXXX device completely free! Purchasing something as mundane as toilet paper ( use it once and throw it away ) from Newrez would be fraught with XXXX. Caveat emptor. 
This company is without question another XXXX in the making. It desperately needs to be investigated. XXXX is too kind a word.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I asked the credit bureau to do a verification on my credit report which they did. They stated everything on my report was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they researched it. 

XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act XXXX  the accounts has violated my rights. 

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 an account without my written instructions

Company response to consumer: Closed with explanation