vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was sent a notice of inactive account on XX/XX/XXXX from Bank of America. I called the customer service number listed as instructed within 30 days of the date listed as instructed, but find that they've prematurely closed the account already. When I called the first time, the representative I spoke to told me that the funds ( {$5600.00} XXXX had already been sent to the state. When I called my state 's unclaimed property department, they said they had not received the funds yet and to call back in a month. I do so, and they say they've still not received it and to call the bank again. 

I call Bank of America at this point and the representative asks me to send him a copy of the inactive account letter and to call back in two days. I call back, and they have no record of the call. I end up getting busy with work for the next few months and don't have time to follow up. 

Then on XX/XX/XXXX, I call and am assured that they will be sending out a check and should receive it in 6-8 weeks. I get a reference number.

Another two months go by and I've yet to receive anything. On XX/XX/XXXX, I call again and the representative seems shocked that I've been dealing with this for over a year and gets the issue escalated, and assures me that I should receive a check in 1-2 weeks. 

Almost a month goes by, and nothing. Today is XX/XX/XXXX, and I call again. The representative says I should give it 6-8 weeks, without any confirmation of whether this check has actually been sent, or if it's even been sent to the correct address. 

I've spent countless hours calling and dealing with this for over a year, not to mention the possible loss in investment value.

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 2019-09-13 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have opened my Wells Fargo Cash Wise VISA credit card approximately 2.5 years ago after receiving a promotional solicitation offer. As part of that offer, the foreign transaction fees would be waived. I haven't had a chance to use this particular credit card overseas until recently, during my trip abroad ( mid-XX/XX/2019 ). Upon my return and double checking my charges, I noticed that Wells Fargo applied 3 % foreign transaction fees to every purchase i made during my XX/XX/2019 trip abroad. Again, I am very adamant that the promotional offer materials under which i opened this credit card clearly specified no foreign transaction fees.

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 2019-09-13 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-09-13 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-09-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2019 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Errors on Credit report being reported by XXXX Hello, Below is Equifaxs description of a charge-off. 
Simply put, a charge-off means the lender or creditor has written the account off as a loss, and the account is closed to future charges. It may be sold to a debt buyer or transferred to a collection agency. 
On my credit report the following accounts are listed as charge off but are paid in full according to an agreement with each of them from credit counseling. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent Equifax proof of the agreement and the payments for each from the dedicated payment account. Even with proof all of the above accounts are still listed as charge offs. By the definition of charge off the account is not a loss and can not be sold to a collection agency as it is paid in full by agreement thru credit counseling ( before it got to this point ). This has caused me to be denied a business loan and a home equity loan as they think that I still owe money to each creditor. 

Please update the status of each to paid and closed and the balance to XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
My XXXX son was robbed on mid XXXX therefore his cell phone was stolen. The same evening my XXXX son Cashapped my XXXX son {$400.00}. My XXXX son contacted cash app to let them know via email and was told once he get a new cell phone he would be able to retrieve the cash. Upon receiving his new phone he attempted to get the cash the account was closed. We contacted cash app via email sent them all informations that was request numerous times. The last email stated the only resolution was to refund the {$400.00} to my XXXX son, which we stayed please do so. As of this date XX/XX/2019 my son has not received his {$400.00}. We were actually contacted again today XX/XX/2019 asking for the same information that was given on five different times. A copy of the emails will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: Dyck-O'Neal, Inc.
State: MI

Complaint narrative:
Hi I open account with XXXX XXXX in XXXX I had some damaged goods that came in in XXXX that I ordered the company said that they were going to take care of the balance which was XXXX XXXX now about a year ago or less dyke o Neil. Purchase the debt they have negatively impacted my credit by reporting miss information to my credit bureaus I have advised them that this was a clerical error on XXXX XXXX part I tried to call pXXXX XXXX   and resolve it with them they told me they sold off the debt so I called dyke o Neil back They told me I cant send them the damage merchandise which Ive had since XXXX and was told that they were going to issue a credit back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I was in XXXX XXXX XXXX XX/XX/2019 for vacation. I used my debit card to pay for a car rental from XXXX XXXX car rental service. A month later, on XX/XX/XXXX, this company charged me {$1700.00} with no explanation. I did not authorize this charge. I filed a dispute with my bank the next day, which my bank said they will investigate. They denied my dispute. I did not authorize this charge, nor do I know what this charge is for. This company charged me weeks after I already left XXXX with no notice or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: KY

Complaint narrative:
Transunion did not correct error with reporting from XXXX. XXXX will not correcet incorrect billing.

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 2019-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2019 I received a loan modification package from Specialized Loan Servicing that I requested for me to reaffirm my loan. Then on XX/XX/XXXX I received another letter stating that I was denied due to having equisetum in my home and that my only option was to do a short sale. I was never given the opportunity to explain why I fell behind on my payments and what I can do now to rectify my loan. On XXXX I submitted an appeal letter in writing with Specialized Loan Servicing asking for a second review. I was notified on XX/XX/2019 that I was denied again. Disputed my decade of hardships this company isnt willing to work with me and allow me to reinstate my second mortgage. My 1st mortgage is current. I dont want to sell my home and be out on the street.  Every person I have spoke with in this company has been very disrespectful and rude to me. Im not sure what else I can do to keep my home.

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 2019-09-13 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: Prosper Marketplace, Inc.
State: KY

Complaint narrative:
XXXX did not correct error with reporting from Prosper. Prosper will not correcet incorrect billing.

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 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Yes i received a letter in mail about an account I never had or new anything about Im idenity theft victim and this keep happening over and over i have credit lock checking account lock. Every couple months someone is contacting me about a debt i know and i can prove i didnt have. This account XXXX  XXXX XXXX. I guess they sold this account to SECURITY CREDIT SERVICES. ACCOUNT # XXXX. I looked up this XXXX XXXX but i cant get any info on the account about when it was open and where can u please check into this. I never had this account. I just filed bankruptcy this year because of stuff other people did. Someone got car insurance and a vehicle in my name XX/XX/XXXX its so many account credit cards, checking accounts and I dont know what else to do. My phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
CAPITAL ON BANK CASE # XXXX CASE OF FUND NOT RECEIVED ON TIME AND LOST {$500.00} FOR CLOSING MY HOUSE. 
Capital One Bank Transfer {$350000.00} {$64000.00} Transaction Type : Electronic transfer Appears on statement as : CLOSING THE HOUSE ON XXXX - Withdrawal to Capital One Bank XXXX Memo CLOSING THE HOUSE ON XXXX SINCE A/C # -- -- XXXX WAS LINK TO MY LOCAL BANCK WHERE I WANTED TO HAVE CASHIER CHECK. 

NOW THE ACH WAS GOING TO TAKE 3 TO 4 DAYS I CALL CAPITAL ONE to Capital One Bank XXXX AND AS PER AGENT SPOKE SAID HE WILL STOP ACH AND THEN HE WILL WIRED THE AMOUNT ON SAME DAY. 
CASE # REPESENT ALL DETAILS ON WHAT HAPPEN AND I COULD NOT GET MY OWN MONEY ON TIME AND LOST THE CLOSING OF MY HOUSE AND HAD TO PAY TO MY LAWYER AGAIN {$500.00} EVERY TIME NEW AGENT AND NEW STORY ABOUT WIRING THE AMOUNT THEN THEY GAVE ME THE CASE # SO THAT I WILL GET MY {$500.00}. NO RESPONSE FROM CAPITAL ONE AND NOW THEY SAY THEY CAN NOT PAY {$500.00} FOR MISREPRSENTION OF AGENT. 
THEY GAVE ME THE CASE # AND SAID SOMEONE WILL CALL BACK OR EMAIL BUT NO REPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently pulled my credit report and i have a number of inquiries on my Equifax credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights. I have added a fraud alert on my account during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. I would like these fraudulent inquiries deleted from my credit file immediately XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: KY

Complaint narrative:
Prosper stopped taking autopay and did not notify me causing payments to be late. They made no attempts to call, or mail 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 2019-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I received a bill from XXXX XXXX for about {$2300.00}. I phone the Ambulance company, gave them all my information in hopes of getting help. I also informed them, I had not received any services from their company. I asked them to send documentation of services and any and all signed documents-They could not supply any documentation. I noticed my credit score dropped and to my surprise they referred me to a collection agency. Grant Mercantile place a collection on my file. I disputed the collection with all 3 credit reporting agencies. XXXX  and XXXX were deleted XXXX kept it on. I have disputed this idea twice with XXXX and phoned them. They said it will remain, yet gave me no satisfaction as to how it was verified. I contacted the company asking for proof I received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
call from Experion at XXXX from XXXX XXXX XXXX. I asked to be added to their own donotcall list and added that my phone number is registered on the donotcall list. They said they are a debt collector and are exempt from the donotcall list. I have no debts that are late or in arrears. They have no reason to call.

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 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE CONTACTED ALL 3 BUREAUS TO REMOVE THESE HARD INQUIRIES THAT I DID NOT AUTHORIZE REMOVED IMMEDIATELY. THEY ARE NOT COMPLYING, I HAVE SENT LETTER AFTER LETTER AND STILL, HAVE NOT RECEIVED ANY PROOF. THIS IS HURTING ME ALOT AND I NEED THIS FIXED. THE INQUIRIES ARE LISTED. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX - AUTO FINANCE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Please reference CFPB complaint : XXXX Additional information : USAA called me on XX/XX/2019 saying they received a notification from the CFPB and would be cashing out the CD that back my secured credit card that was closed on 1XX/XX/2019. They stated clearly that they would be sending me a check for the full amount and reviewing their policies for how they hand secured credit cards in the future. 

THEY LIED! 

Today is XX/XX/2019. USAA did cash out my CD but they are now denying me my own money. They have effectively STOLEN my money, over {$1000.00}. I NEED HELP GETTING MY MONEY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-09-13 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: IL

Complaint narrative:
I am a victim of identity theft. I have contacted TransUnion several times explaining this situation and submitting the requested documents as proof. I have an extended fraud alert on my reports as well. The following accounts should be deleted and blocked from my credit because they are fraud accounts XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX, XXXX/XXXX  XXXX, XXXX XXXX  XXXX XXXX. My name has been alerted the only name I have been known by is XXXX XXXX, which I have provided my ID & social security card several times with this information. I have also asked that the inquiry XXXX/XXXX be deleted this is not something I requested and is also a results of someone attempting to open more fraud accounts in using my name.

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