vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: TX

Complaint narrative:
A fake Bank of America representative called me from Bank of America 's customer service number ( XXXX ) claiming to be in the fraud department to alert me to 2 fraudulent XXXX transactions. One for {$3000.00} and another for {$500.00}. He said since XXXX isn't part of Bank of America, they can't stop the transaction, but would credit my account in the amount that was pending. 

The impersonator walked me through opening the Bank of America app and going to the XXXX transfer screen. He said that since my name and phone number had been compromised, I should add myself to the contacts list using my middle name and last name. In the phone or email space he would give me a case number meant to flag the system. 

Once I did that, he had me send 2 transactions to myself for a total of {$3500.00}. He said that I would get a confirmation email shortly. Since I was at the park and my kid hurt herself, I said, I'd call back in a couple minutes if I didn't get it. When I checked, I realized I sent someone that money.

The impersonator knew the city I lived in and that I had a checking and savings account. They also gave me a case number. 

I filed a claim while funds were pending. The claim was denied and BOA refused to let me file an appeal. Still waiting on supporting documents for this case. 

BOA acknowledge that the funds went to an account at XXXX Bank and that this fraud had ramped up lately, but weren't able to give me back my money. They did acknowledge this was a fraudulent transaction.

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 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation orchestrated by XXXX XXXX XXXX XXXX  XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX which were transferred from my wallet utilizing Crypto.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-05-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Statebridge Company
State: AZ

Complaint narrative:
XX/XX/XXXX Statebridge Company took over loan servicing for my non performing HELOC. 
XX/XX/XXXX I sent a letter requesting a payoff amount for this loan as I had been trying to obtain one from the last servicer to no avail. There was no response from Statebridge. 
XX/XX/XXXX I sent another payoff request letter per Priority Mail ( Exhibit A ). Still no response from Statebridge. 
XX/XX/XXXX I sent a 3rd payoff request certified mail ( Exhibit B ). No Response from Statebridge. 
XX/XX/XXXX I sent a 4th payoff request via XXXX Signature required ( Exhibit C ). One week later I finally received the payoff amount in a letter they dated XX/XX/XXXX but did not get sent out till XX/XX/XXXX. 
The payoff amount is grossly incorrect and I sent a letter in XX/XX/XXXX requesting a detailed accounting of how they came up with this amount of interest due. On XX/XX/XXXX Statebridge responded needing more time. 
XX/XX/XXXX I received the detailed accounting which as you can see that pages 5 & 6 are blank where the monthly principal balance and interest should be. Also, the blank monthly entries stop at XX/XX/XXXX even though they are charging me for the interest due into XX/XX/XXXX. Needless to say, I can not get this to a forensic accountant with blank amounts. XX/XX/XXXX I sent a 2nd request for detailed accounting of this payoff amount via certified letter which was received per USPS ( Exhibit D ). To this day, I am still trying to obtain this detailed accounting from them. I have spoken with their loss mitigation office twice and they just say they are looking into it.

In the meantime, they have filed to Foreclose on my home. I can not payoff a loan when I do not have an accurate payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: TX

Complaint narrative:
In XX/XX/2022 I notice an account on my credit from XXXX that was an open account which took me at a surprise. I had an account with them but I had paid it off. So when I saw this account it said open XX/XX/2022 and payments were made on this account but it had stopped being paid. I was wondering why my credit score had dropped but this is why. 
I reached out to the company expressed that this is not my account and that I needed to know what to do to get it off my credit. 
I was advised if I thought this was fraud to file a police report submit it and they would take it off my credit report. 
I did so and the. I received a message stating since they have all my info which is apparently they have my info from my own account that they were not removing it. 
This is causing me several credits points and I have done my due diligence and they are violating my consumer rights.

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 2022-05-18 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-18 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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:
I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing my inaccuracies. 

List the accounts XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX Account number XXXX TransUnion XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX, XXXX Account XXXX XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX date XX/XX/XXXX DEPT OF ED Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX date XX/XX/XXXX XXXXXXXX Inquiry date XX/XX/XXXX 2020

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 2022-05-18 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:
I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing my inaccuracies. 

List the accounts XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX Equifax XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX, XXXX Account XXXX XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX date XX/XX/XXXX DEPT OF ED Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: OH

Complaint narrative:
Noticed an account on my credit report that I did not create or apply for. I was notified by state of OHIO previously that my personal information has been breached. I filed a police report. The account IN QUESTION that I did not open was not showing up on my Experian or other reports at this time. Recently, I noticed the XXXX  account ADRESS XXXX XXXX XXXX XXXX XXXX XXXX, CA PHONE NUMBER XXXX on my EXPERIAN report and immediately notified the Credit reporting agency that this is not my account and I believe it to be a scam and or fraud. The Experian Credit firm has refused to remove this from my report even after submission of several disputes : ID THEFT PO REPORTS, CFPB COMPLAINTS FILED, FTC ID THEFT REPORTS, and several more phone calls to the Credit bureau. I asked EXPERIAN to provide documentation, signatures, proof and they said that they do not do that AND THAT only there back office has that information.

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 2022-05-18 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Grain Technology, Inc.
State: AR

Complaint narrative:
I opened a Grain account roughly a year ago. It is a digital line of credit. Grain approved my account with a {$1000.00} credit line which I have always paid on time. Over the course of my relationship with Grain, they have locked me out of my account on multiple occasions forcing me to " reverify my identity '' over 6 times in one year. 

The most recent time they asked me to verify my identify, they closed my account stating that they could not verify me - offering no explanation as to why. I did my own research and realized my identification now showed my new last name, as I had gotten married, and my account still showed my maiden name. I sent Grain an email asking if I could attempt to reverify again, but they said ( after nearly 2 months of no response, with me being locked out of my account the ENTIRE time ) there was nothing they could do and the decision to close my account was final. 
I am basically being forced to lose a line of credit which will be a detriment to my credit score all because I got married and they somehow think that means I have turned into an entirely different person, and that I am not the person who originally applied for this account. It makes no sense at all for them to lock me out of my account for this reason.

Company response to consumer: Closed with explanation