vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
- I contacted Bank of America 's ( BOA ) mortgage customer service on the XXXX number on XX/XX/2020, at XXXX XXXX - Spoke with representative XXXX - XXXX and I discussed COVID assistance options - After verifying my account she stated there was one option and that was a deferment - I agreed to enter in a deferment, XXXX stated " the 3- months missed payments would be added to the end of my current mortgage. '' - I was instructed to watch the mail for written correspondence of my arrangements, also that I would receive a phone call from the mortgage department to update my COVID needs closer to the end of the deferment period of XX/XX/2020 - On XX/XX/2020, at XXXXXXXX XXXX, I received a call from XXXX of the mortgage division - XXXX stated " You are not eligible for deferment so you were entered into a forbearance. '' - I explained, I never agreed to a forbearance, in fact the only option discussed was deferment, which is what I entered in with representative, XXXX. 
- On XX/XX/2020, at XXXX XXXX I wrote the CEO of BOA, XXXX XXXX - On XX/XX/2020 at XXXX XXXX, I received an email from XXXX XXXX a resolutions specialist - I called Mr. XXXX on XX/XX/2020 at XXXX XXXX and again on XX/XX/2020 at XXXX XXXX, he returned my call XX/XX/2020 at XXXX XXXX - During the call he acknowledged that incorrect information was provided during my initial COVID assistance call, he states, FHA offers 4 options, we discussed those options and I communicated the options are not favorable and place my household in a further financial bind - I restated, that I was offered deferment not forbearance of my loan. I communicated had those options been disclosed, I still would not have opted for a forbearance of my mortgage - I expressed that I planned to escalate my complaint, and that I felt this was a bait and switch situation - I question, where were those guideline during my call in XXXX? XXXX, never mentioned anything about my loan type affecting my COIVD options. 
- Mr. XXXX states, this is out of BOA 's control they must follow FHA loan guidelines. 
- We plan to touch based on either Friday, XX/XX/XXXX or early the following week - I contacted FHA 's resource line XX/XX/2020 at XXXX XXXX, spoke with XXXX - XXXX states BOA is the lender/servicer and FHA only provides loan guidelines - The HUD website ( https : //www.hud.gov/sites/dfiles/SFH/documents/COVID-19HomeownerHelp.pdf ) tells mortgage holders to contact the mortgage company or servicer, yet they are providing false information which further impacts the finances of millions of Americans

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 2020-06-23 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: NC

Complaint narrative:
SEVERAL FRAUDULENT ACCOUNTS WAS OPEN IN MY NAME THE THIEF STOLE MY ID NAD SOCIAL SECURITY NUMBER AND USE IT TO GET MEDICAL AND AUTO LOANS AND CREDIT AND UTILITY ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRASs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a XXXX payment of {$3600.00} from my BofA bank account to an XXXX ( XXXX XXXX ), phone number XXXX ( XXXX ) XXXX. He sent me an invoice first from XXXX At XXXX XXXX XXXX   XXXX XXXX, XXXX, FL XXXX, then from XXXX XXXX XXXX, incorporated in Colorado but with a business address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX. I never received the products or a response from XXXX again. I contacted BofA and XXXX and was told that XXXX payments are irreversible, even though they advertise them as safe and easy. I have conversations, a paypal address and email, and the invoices I was sent from this man. My bank or XXXX were not of any help. A friend found this site today, hopefully you can help me to recover my money, or at least find the fraudster and have him brought to justice. 

Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My XXXX  app for crypto currencies says that I can't link my PNC checking account to withdraw or add funds. This was working end of XXXX as I just made a deposit to XXXX from PNC on XX/XX/XXXX. Now I can't withdraw my funds and my money is stuck in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: NC

Complaint narrative:
SEVERAL FRAUDULENT ACCOUNTS WAS OPEN IN MY NAME THE THIEF STOLE MY ID NAD SOCIAL SECURITY NUMBER AND USE IT TO GET MEDICAL AND AUTO LOANS AND CREDIT AND UTILITY ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRASs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: NC

Complaint narrative:
SEVERAL FRAUDULENT ACCOUNTS WAS OPEN IN MY NAME THE THIEF STOLE MY ID NAD SOCIAL SECURITY NUMBER AND USE IT TO GET MEDICAL AND AUTO LOANS AND CREDIT AND UTILITY ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRASs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
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. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am a Discover credit card customer. Unknown person made unauthorized credit card purchase of {$470.00} in XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX, TX with my Discover credit card ending XXXX at XXXX on XX/XX/XXXX. I was at home and the credit card was in my possession when the unauthorized purchase was made in XXXX. I reported the incident to the Discover Bank and the bank agent suggests me to file a police report to help with the credit card fraud incident investigation. I followed their suggestion and filed a police report to XXXX XXXX police with the case # XXXX in XX/XX/XXXX and I sent all the police information to them. I called them several times and the agents kept telling me they were still in the investigation process. I called them again today and they told me that they declined my request for the refund of the unauthorized charge of {$470.00} since they couldn't get in touch with the police. I can not accept their decision because they didn't provide me with reasonable evidence to show I was responsible for the unauthorized charge. It is the violation of the Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/20 I send {$1000.00} to XXXX and my family member couldnt get it out because she has the wrong XXXX and couldnt find it.. and later they said that the money is here but we are having problems getting it out And it wont let us.. come back tomorrow ... she went again next day and still couldnt get it out.Then when I went to the place where I send it they told me that the money is no longer there ... that someone got the money out ... and it wasnt my family member ... They told me to contact costumer service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: CT

Complaint narrative:
To who it may concern. 

In late XX/XX/XXXX, I XXXX XXXX parted ways and disconnected services with XXXX XXXX. Closed account number : XXXX. During the cancellation phone call, I requested to pay my final bill and agreed to return all equipment required by XXXX XXXX. The representative processed my final bill payment and confirm my account was now closed and completed. 

Seven months later while working with a credit lender for my business. I was made aware of a debt collections from XXXX XXXX for a past due amount in XX/XX/XXXX. The account was confirm by XXXX XXXX, Executive Escalations, Office of the President - XXXX on XX/XX/XXXX. Confirmation email was sent and states account status as paid in full and credit record would be deleted due to sender ( myself ) not being notified of debt. XXXX XXXX confirmed XXXX XXXX Representative failed to update new mailing address. The deletion and retraction process was confirmed to me by XXXX XXXX, process could take 60 days from the submit date XX/XX/XXXX to process and complete. 

Sixty days later while working with the same credit lender in XX/XX/XXXX, I was made aware of the same debt collection on my Experian Credit Report from XXXX XXXX. I once again contacted XXXX XXXX and they confirm the debt was paid in full. As well as the request was sent to have the collection deleted and retracted from my Experian Credit Report. XXXX XXXX XXXX once again processed the deletion and retraction request to Experian for the second time. 

XX/XX/XXXX while working withe the same credit lender. I was again made aware of the XXXX XXXX XXXX collection was still an active collection on my Experian report. Ten months has now past since I was confirmed by Frontier Communication collection would be deleted and retracted from my Experian Credit Report back on 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 2020-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX    XXXX, XXXX XXXX XXXX, BARCLAYS BANK DELAWARE XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
On or about XX/XX/2015 I discovered entries on my credit report that I did not make. There was an entry of {$4400.00} owed to an apartment complex that I new nothing about or had anything to do with. I contacted the police department and made an identity theft complaint. I also filed an identity theft complaint with the Federal Trade Commission. I sent copies of my FTC affidavit and the police report to XXXX, XXXX and XXXX XXXX. However, the item is still being reported by an ageny named Rent Recovery Solutions, LLC. Rent Recovery Solutions , LLC , is reporting this fraudulent information in my credit file. I was a victim of identity theft. I took all the necessary steps to resolve the issue but Rent Recovery Solutions is still reporting this negetive entry in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I tried to fix this situation through XXXX and XXXX. The debt was from a prepaid credit card the cash I put up front for the card. Second the amounts do not match the bill is for XXXX but the debt they are trying to collect is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One charged too much APR interest and never reported the good standing of the account until things went down hill and they reported the good and bad at same time. I had a XXXX XXXX in XXXX   and wasn't able to get in contact with them. When I checked they had put lots of late fees and put I used the credit over 100 % with the intention to hurt my credit more than the usual. I feel they want to defame my name to other creditors who can see my credit report and also feel they want to take control of my identity. I strong believe this bank broke the FCRA law in all kinds of ways. Pictures are attached for proof. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
On XX/XX/2020, a debt collection company named Capital Accounts sent a collection notice from the creditor called XXXX XXXX. 

This alleged debt is fraudulently created by the XXXX Office who falsified the procedural agreement between the patient and XXXX  by sending a false statement from what was agreed on the service requested. 

The XXXX  office sent numerous charges that inconsistent and created false XXXX  procedures which was not performed and can be easily proven by another operating XXXX. 

The creditor ( XXXX XXXX ) created a falsified treatment plan in order to increase the amount charged through the patients XXXX insurance and billed 3 different inconsistent patient ledger. 

I have contacted the XXXX  office to fix the issue and still the XXXX  practice ignored the plea and request. 

I am willing to submit additional evidence if requested but will not submit since there's Personal Identification Information within the documents available. 

The collection agency ( Capital Accounts did not verify the validity of the debt through the XXXX  office. There was no procedural process to present that the debt is valid or the amount owed is correct and is still in the process of correction from the XXXX Office. 

The office is using fraudulent billing and collection process in which requires an investigation from a competent authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
This is a complaint relating to Forster & Garbus ( FG ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). Our Stipulation Agreement, attached with my complaint, will show it was executed in XX/XX/2018. Since my first payment, per our agreement, I haven't received a breakdown of what the balance is and what I've already paid. Not one! I don't know how my payments are being handled/recorded and what my outstanding balance looks like on either of their books. FG acts as attorneys to XXXX but FG is predominantly a collections agency ( with AWFULLY DREADFUL public reviews and practices, I might add ) that never answers or returns my repeated calls. I have no faith in them and am not sure what my next step is. I'd like to finally settle this once and for all but with whom : FG or XXXX? Who is ultimately collecting on my payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/2020 XXXX : Remove Unauthorized Equifax Credit Report FREEZE To Whom It May Concern, With great urgency, I requested the removal of an unauthorized Equifax Credit Report FREEZE placed on my identity EFFECTIVE IMMEDIATELY on XX/XX/XXXX and XX/XX/2020. I I was asked to fax the below documents. I sent them twice via fax, the first time I was told they could not make out my Driver license and SSI Card, Blurry. I could not answer the computer generated question of the exact dollar amounts for the bank and student loans that grow in interest daily. I can not establish residency without the Freeze because I can not get water bill, electric bill. telephone, internet bill place in my name all agencies are using Equifax credit reports. My current property management company is paying my utilities as I can not but them in my name because of the FREEZE that I did not Authorize. I am being fined daily. 
XXXX  Dr Lic # XXXX SSI # XXXX New Apartment Lease signed XX/XX/2020 New Address - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX  XXXX Previous Address - XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize Equifax Credit Report to FREEZE and to place an unauthorized FREEZE on my identity. 
I also was not compensated for the authorize Equifax Credit Report BREACHED, that apparently initiated this unauthorize Credit Report FREEZE on my identity. 

I called several time today XX/XX/XXXX, without success. Then I figured out how to get free Credit Report and they refuse to ask me the computer generated questions. Stating now extra measure have to be taken because you have called multiple times. PLEASE REMOVE EQUIFAX CREDIT REPORT FREEZE EFFECTIVE IMMEDIATELY TODAY XX/XX/2020 You can reach me by calling XXXX or by email at XXXX if you have questions regarding this request. 

Seriously Frustrated and Angry, XXXX XXXX

Company response to consumer: Closed with explanation