vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Tried to dispute debt that I have no knowledge of with XXXX. XXXXXXXX XXXX  XXXX dollars XXXX. Portfolio recovery XXXX, XXXX XXXX Failed to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX I have a Bank of America account since XXXX. On XX/XX/XXXX I initiated a debit card claim with BOA. I had to dispute a transaction on my account. The dispute was cleared and my monies were refunded. On XX/XX/XXXX, Bank of America froze my account for no reason. I was not sent a letter I received no call I want aware. I was told to come inside the bank and speak to an advisor. On XX/XX/XXXX, I went to Bank of America in person and I was told to call the number XXXX. I called the number and was told that my account was frozen for no reason given. The advisor was not even able to give me a reason. I can not access my funds. My rent is late, my car note was rejected by the bank and they will not release my funds. They said they can not tell me why me account is frozen, theres no notes. I can not understand how my account can be frozen and no one is able to tell me why and how long. The agent told me Im order to find out when the freeze would be released I would have to call them every day for a status. What???? This should be illegal to withhold money from their own account. What am I to do?? I am asking someone to help me to get my account unfrozen for unknown reasons. How can Bank of America get away with this??? They are not sure why it was frozen and when it will be released, this is illegal to do I thought. I just am now seeing that in XXXX Bank of America was fined for fake fraud alerts on peoples bank accounts. I feel this is my situation because when I called the bank on XX/XX/XXXX none of the bank agents could tell me why I was frozen. They said my account never should have been frozen and this was from their own Fraud Department!

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 2023-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to two multi-layered scam operations run XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( collectively : the Companies ), which involved me making deposits for a total amount of XXXX USD from my Bank of America account to a fraudulent investment firm ( s ).

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 2023-05-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX XXXX Date of Inquiry 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 explanation
Consumer complaint received 2023-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I filed a quality of product/service dispute with Bank of America for a purchase made with XXXX XXXX of XXXX on or around XX/XX/XXXX in the amount of {$1500.00}. I attempted to resolve the issue with the merchant to no avail. In fact, on XX/XX/XXXX, I provided Bank of America with an email thread regarding my communications with the merchant. See enclosed. Visa regulations allow consumers 120 days to dispute a transaction for quality of product/service. Although the dispute with Bank of America was filed 115 days following the date of delivery ( XX/XX/XXXX ), and 114 days after the date the transaction posted - Bank of America closed my dispute and alleged that the dispute fell outside the timeframe. See enclosed. Additionally, Bank of America never provided a provisional credit.

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 2023-05-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have contacted Experian, 6 times, requesting that they stop violating my rights. I am a victim of identity fraud. they referred me to some website to complete the paperwork and I did, I sent it to Experian, XXXX and XXXX. XXXX and XXXX have obliged but Experian refuses. These credit inquiries are fraudulent.

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 2023-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Hi Portfolio Recovery Associates Inc, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXX XXXX  to pay off the balance however, on XXXX the check was endorsed and deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) into a Misc Deposits account. After realizing the payment was missing, I opened 4 disputes with XXXX XXXX XXXX XXXX XXXX Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ). XXXX XXXX ( Corporate Consumer Relations Senior XXXX at XXXXXXXX XXXX XXXX suggested, I contact Portfolio Recovery Associates ( PRA ) via phone at ( XXXX ) in addition to the Consumer Financial Protection Bureau complaints ( Complaint Number ( s ) for PRA are XXXX and XXXX ) for further investigation. XXXX XXXX XXXX suggested Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) conduct an investigation by reviewing their remote deposits report from XX/XX/2022 and confirming the check is on the Remote Deposits Report. After I contacted Portfolio Recovery Associates via phone at ( XXXX ) and the Consumer Financial Protection Bureau ( Complaint ID # XXXX and XXXX ) regarding pulling their remote deposits to locate the missing check and provided them with my full social and spelling of my name, I was told several times, they will not conduct further research or an investigation with an account number. According to the response from a Portfolio Recovery Associates Inc representative in regards to Complaint # XXXX, PRA investigated my complaint, and found XXXX XXXX sent the funds to PRA with instructions to credit those funds to an account that was not mine, and PRA has requested that the funds be refunded to me and no further steps or follow-up actions are required. 
I did receive Check # XXXX for the amount of {$880.00} via USPS, however I did not receive any documentation confirming XXXX XXXX sent the funds to PRA with instructions to credit those funds to an account that was not mine. The documentation is needed to dispute the interest charges that occurred due to this error. To remove the interest charges from my XXXX XXXX XXXX Bank account, please provide me with documentation confirming XXXX Bank sent the funds to PRA with instructions to credit those funds to an account that was not mine. 

Thank you for your time and assistance with this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: MI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-05-04 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX {$540.00} XX/XX/XXXX XXXX XXXX  XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$900.00} 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 non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist bank was our mortgage holder. We closed on the sale of our condominium on XX/XX/XXXX and Truist sent our escrow reimbursement check in the amount of {$890.00} to the old address so it was not received. I called on XX/XX/XXXX to inquire about what had happened with the check and was advised that it was returned as not deliverable. I then provided the correct/current address of where it should be mailed and was advised it would be sent out within 5 business days. The check never came and I called again on XX/XX/XXXX, only to be advised that " someone '' had input the request incorrectly so the check was never mailed but that they would correct it and have the check sent out. It never came and I called again on XX/XX/XXXX only to be advised that the check had not been processed but that they would correct the issue and send the check out within 5 business days. The check never came and I called again on XX/XX/XXXX and I was told the check would be expedited and sent UPS. I was provided a tracking number and, as of today ( XX/XX/XXXX ), the XXXX tracking site indicates that while a XXXX label was created on XX/XX/XXXX, the check has not been issued and provided to XXXX for delivery. At this point I can only assume the failure is intentional or, at a minimum, grossly negligent.

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 2023-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
I have had a hard time getting back on my feet since covid. The first time my home was in forclosure was in XXXX when the pandemic first started. I was not informed by my mortgage company that I could apply for forbearance or any other payment options to help me catch up on my balance, so I filed XXXX XXXX bankruptcy. My credit took a huge hit, my hours were reduced at my job of 7 years, and things got tough. Once I found out that I could apply for forbearance it was XXXX I believe. My forbearance was over in XXXX of XXXX, and I applied for the Texas Homeowners assistance Fund on XXXX XXXX, however previously I applied and was denied. My second application with XXXX is still open and active and I communicated that with my mortgage company. They have to ability ro look my case number up, and I was informed that when they looked up my case number nothing was showing up. I tried for weeks to get my caseworker on the phone with the XXXX and nothing was done with my application until XXXX on my forclosure date XX/XX/XXXX. My home was sold, and my mortgage company wouldn't nldo their due diligence to see if I really did have an open case with XXXX. I also was unaware that once I was out of forbearance that they opened a second mortgage. Initially was not explained to me that it was a second mortgage on my home and also being refinanced. My home was sold on XX/XX/XXXX in a forclosure auction and I feel as though this should not have happened especially since I had been applying for TExas homeowners assistance for a year and a half. I have nowhere to go, and I will not be able to find a home for my children and myself with a forclosure on my credit. And the company who purchased my home has already left a note on my door. I can answer any questions you may have, and I know that since my home was already sold that there isn't much I can do, bit I feel like the ball was dropped between texas homeowners assistance fund and my mortgage company Gateway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: VA

Complaint narrative:
XXXX and XXXX on XXXX XXXX XXXX XXXX Account XXXX Has it XX/XX/XXXX reporting right was right but equifax the last payment is on the XX/XX/XXXX. I try to fix it the problem. SO n accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have called Transunion, at least 5 times trying to get this resolved. I have spoken with supervisors and reps and nobody seems to be able to help. I have sent this report, at best, 7 times to them and they refuse to acknowledge the paperwork that was sent to them even though I have return receipts.

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 2023-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal identifying information was used to obtain goods, services, or money without my knowledge or authorization. I did not obtain any goods, service, or money from the transactions. I have attached a copy of those items to an individual letter which I will mail to you. I am also sending a copy of this filing to each credit reporting agency. Thank you so much for your prompt attention to this matter.

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 2023-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
XX/XX/2023 Consumer Financial Protection Bureau To Whom It May Concern : I hope this email finds you well. I am writing to raise my concern regarding the recent experience I had with LoanDepot during my mortgage application process. I believe that the lender 's actions violate several regulations under the Consumer Financial Protection Act ( CFPA ) and other federal and state consumer protection laws.

Specifically, LoanDepot has used an unfounded reason " lack of sufficient fund '' to decline my loan application and failed to provide reasonable explanation and support ( I had provided $ XXXX deposit statement in my bank account for $ XXXX downpayment needed ), even though CFPA entitles applicant 's right to obtain such information from the lender. Meanwhile, LoanDepot requested a future document ( NEXT month mortgage statement ) from me, which did not exist at the time of their request. Despite my efforts to provide alternative documentation, the lender refused to consider my application any further. I believe that this requirement was unreasonable and deceptive, as it created the impression that the document was necessary when it was not.

Furthermore, I have been made aware of a recent statement made by LoanDepot 's lawyer, who asserts that consumer protection laws do not cover investment properties and that the lender can demand any document they choose from loan applicants. I believe that these statements are completely inaccurate, and the lender 's actions are in violation of several regulations and standards. Also, I find the lawyer 's threat to prevent me from continuing with my CFPB complaint is unacceptable.

As a consumer, I have suffered significant financial and emotional harm as a result of LoanDepot 's actions, and I am requesting that the lender abide by regulation rules, correct any mistakes, and compensate me for any losses incurred.

I am respectfully requesting that the CFPB investigate this matter and take appropriate action to hold the lender accountable for their actions. Additionally, I would appreciate any information on my rights and options as a consumer in this situation.

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 non-monetary relief
Consumer complaint received 2023-05-04 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: MI

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , 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. 

To Add the company XXXX XXXX claims to report accurate information, but according to the XXXX of XXXX XXXX XXXX, and XXXX, there's no record of the alleged auto loan. It seems as if the alleged auto loan is ONLY REPORTING with one credit agency in which is EQUIFAX who's refusing to update accurate information. XXXX XXXX is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation.

Company response to consumer: Closed with explanation