vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020 I submitted a balance transfer from my BANK OF AMERICA credit card to my XXXX credit card.The balance transfer went to the wrong XXXX credit card. I put a stop to the transaction on XX/XX/2020 at XXXX XXXXXXXX and was told they stopped the transaction.The money was transferred regardless. I called Bank of America was told it would take a couple of days to have them reverse the transaction. On XX/XX/2020 the transaction was still valid. I called them and they opened case XXXX. Was told that they would contact XXXX and fix this situation. I called back on XX/XX/XXXX to check status was told it can take up to 30 days for them to fix the error. I called back on XXXX the XXXX for status was told the same and they assure me it was being taken care of. I called back again on XX/XX/XXXX and again was told it would take 30 days and to check back after the 30 days. I called again XX/XX/XXXX, was told by the agent that she checked with her supervisor and it was all on target for the 30 day mark. Now after 30 days I called XX/XX/XXXX and was told by an agent nothing Bank of America can do. I called back and this time the customer service agent advised that the reversal was cancelled and she could not see the reason and that she will put in the request again with the appropriate group. she also told me she talked to her supervisor and that they will take care of this.The transfer is for more than 10K. I called XXXX and was told nothing they can do to help me, that Bank of America needs to contact them directly. Please help 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 non-monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
I have had a loan refinance pending with Flagstar Bank since XX/XX/XXXX. To clarify, my credit, income, loan to value, debt levels, etc. are all well above any minimum underwriting thresholds. Flagstar currently owns the mortgage that I am refinancing. 

I received a Conditional Approval Letter on XX/XX/XXXX. The letter had vague conditions listed to complete the loan, so I attempted to reach both my Loan Officer and my Loan Processor. The Loan Officer 's number immediately goes to voicemail every time ( dozens of calls ) and the Loan Processor 's number does not work. I have left voicemails, emails, and messages using Flagstar 's online portal service. I also have called the main line for Flagstar to escalate.

To date : From my Loan Officer : I have received 1 form email that did not acknowledge I had questions and one phone call which said things would be taken care of, but not follow up. 
From the Main Line ( escalation ) : 4 separate calls have resulted in promises that a supervisor would call back, but this has not happened. 

Over the weekend, I got a call from an appraiser ( 22 days after the Conditional Approval letter ) saying he got an order to schedule my appraisal, but then had a subsequent order to cancel the appraisal. I have no correspondence from Flagstar about any of this. 

In the beginning of XXXX, I will have my second loan payment due since starting my refinance. Flagstar, through their incompetence, is creating unfair lending practices by stretching out the length of time of their refinances so that they may charge the higher interest rates. Either that, or they are making the loan process difficult in the hopes that I will not complete the refinance and they will hold the loan on their books with the higher interest rate.

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 2020-05-26 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: FL

Complaint narrative:
ftc violations : enclosed and stated all violations listed XXXX XXXX   {$7100.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  {$570.00} {$550.00} {$570.00} florida XXXX XXXX {$59.00} {$33000.00} XXXX XXXX  {$2500.00} XXXX XXXX XXXX XXXX {$700.00} XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Federal government Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Jewelers Contact Information XXXX XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX BYMAILONLY XXXX  XXXX  XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  CARD Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX inquiries XXXX XXXX - XXXX  Date of Report : XX/XX/XXXX logo XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Other collection agencies Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. The FDCPA covers the collection of : Mortgages.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 2020-05-26 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: FL

Complaint narrative:
ftc violations : enclosed and stated all violations listed XXXX   XXXX  {$7100.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  {$570.00} {$550.00} {$570.00} XXXX  XXXX XXXX {$59.00} {$33000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$700.00} XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Federal government Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Jewelers Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX  XXXX  XXXX  XXXX, DE XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX inquiries XXXX XXXX - Experian Date of Report : XX/XX/XXXX logo XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Other collection agencies Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. The FDCPA covers the collection of : Mortgages.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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN IS REPORTING 5 INQUIRES THAT DON'T BELONG TO ME XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  IS REPORTING A CREDIT CARD THAT DOESN'T BELONG TO ME XXXX   XXXX # XXXX LIMIT IS {$500.00} BUT REFUSES TO REPORT 4 CREDIT CARDS THAT DO BELONG TO ME XXXX XXXX XXXX # XXXX LIMIT {$4000.00} XXXX XXXX XXXX XXXX # XXXX LIMIT {$3000.00} XXXX XXXX # XXXX LIMIT {$3000.00} XXXX XXXX # XXXX LIMIT {$5000.00} I will attach a compared report between the bureaus and you will clearly see the discrepancies reported!

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 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Wakpamni Lake Community Corporation
State: FL

Complaint narrative:
I am the employer of the employee who is named in the " debt collection. '' Additionally, I was sent illegal documents to withhold pay from my employees paycheck. Apex Services is a well known unlicensed debt collection. Fraudulently, sending what look like formal payroll deductions with out court orders to do so. This company should be reported and shut down immediately.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I had been receiving a number of letters to my old address ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX ) saying that I owed money to XXXX XXXX. After calling the number on the letter it became apparent that it seemed like more of a scam. 

This was confusing as I live with my parents, do not own a property and at the time the so-called account was taken out I was only XXXX years old. As I felt it was a scam I just left the account and heard nothing more apart from the odd letter i received every no and again. 

I have never missed any payments on loans etc and have spent the past few years building up my credit score and when I recently checked it had gone done by like XXXX points in one month. After doing some digging it seems I have a payment gone into default for circa XXXX. I have never had an account with XXXX XXXX, I don't own property as I live with my parent 's and the account was supposedly taken out back in 2015, at that point I was XXXX years old so it would have been impossible to take an account out. 

I have contacted XXXX XXXX and the only response that I ever get is them requesting an account number, which I can't provide as I do not have an account with them and never have. 

I keep getting refused for credit which is becoming increasingly frustrating. I am also looking at getting a mortgage towards the end of the year and with this false information showing against my credit score it is going to be impossible. 

Your soonest response would be greatly appreciated as this has been going on for 2 months now and I don't seem to be any closer to.

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 2020-05-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries XXXX/XXXX  XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: FL

Complaint narrative:
I am Victim of Identity Theft. This Account does not belongs to me. 
I did Not give anyone Consent to open this Account.

this Account, That is on this Report is Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: FL

Complaint narrative:
I am Victim of Identity Theft. This Account does not belongs to me.

I did Not give anyone Consent to open this Account.

this Account, That is on this Report is Fraud

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 2020-05-26 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
XXXX XXXX XXXX is reporting an erroneous account on my credit reports that has been challenged to XXXX  and Experian. Both have claimed that the accounts have been verified even though the creditor has ceased to exist and has not provided the validation necessary to leave the account on my credit reports. 

XXXX XXXX XXXX & 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 2020-05-26 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: Santander Consumer USA Holdings Inc.
State: ND

Complaint narrative:
Gateway One Lending is reporting an erroneous account on my credit reports that has been challenged to XXXX  and XXXX. Both have claimed that the accounts have been verified even though the creditor has ceased to exist and has not provided the validation necessary to leave the account on my credit reports. 

GATEWAY ONE LENDING & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC
State: ME

Complaint narrative:
In XXXX I bought a vehicle from XXXX of XXXX, it was a XXXX XXXX XXXX, the dealership signed me up for automatic payments through a company called XXXX XXXX, before any payments were ever made through that company I read up on them, saw nothing but bad customer service and support reviews ad well as lots of people claiming fraud and such, so I called them had eye witnesses in the vehicle when I called stating I was canceling the account with them and paying my finance company directly, they gave me attitude but still agreed to close it, since my very first payment was due I always paid my finance company directly, then this month XX/XX/XXXX I get a collection on my credit report from security credit systems on my report stating it was opened on XX/XX/XXXX which makes no sense when especially never received any form of notice from anyone about this which is a violation of the fair credit reporting act and fair debt collecting practices, the collection states its for {$590.00} well for starters my monthly payment for my vehicle through my finance company was only {$580.00} a month not {$590.00}, upon me calling the collection company known as security credit systems about violating the law and the fair debt collecting practices and the fair credit reporting act they continued hung up on me, I kept calling back getting angrier and angrier as they continued to hang up me, finally the XXXX who answered the phone and kept hanging up on me said she would get someone else to talk to me, she put the phone down on her desk and I could hear her talking to other people in the office, I could hear all of them XXXX and complaining how they didnt wan na talk to me so she came back over didnt say a word and hung up the phone again, they refused any commit about no 30 day notice, no validating of the debt as well as all refusing to talk to me about it and just hanging up on me, the account in question is fraudulent cause it was closed before ever used, also upon this being done found evidence of attempted theft by autopay plus trying to take 2 different charges of two different amounts from my bank account, 1. For {$600.00} on XX/XX/XXXX then another 2nd. Attempted charge of {$630.00} on XX/XX/XXXX, both were attempted fraudulent charges of theft seeing as neither of those 2 charges were my monthly also the collection wasnt even my monthly car payment, also account was closed before they attempted these charges that they sent to a collection company called security credit systems who are violating the fair credit reporting act and fair debt collecting practices by refusing to comment, talk to me, validate the debt, or even send me any form of notice, and the fact that the original creditor tried charging multiple fraudulent attempted charges of theft when account with them was closed and was paying my finance company directly and at a different price than any of these charges or anything were.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I submitted a dispute with Equifax to update the status on a collection account from unpaid to paid in full. I attached a letter from the collection company as proof that the said account was paid in full. On XX/XX/2020, Equifax closed the dispute and did not change the status on the account. They indicated that they verified the account belonged to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: NE

Complaint narrative:
I recently requested a second mortage on my home. In preparing the documents, it was discoverd that when I refinanced my mortage with XXXX XXXX  XXXX from LOANCARE two years ago, LOANCARE has not filed the Deed of Reconveyance. My CU has advised they are in violation of compliance ; we have documentation showing the request made seven times in the past three weeks, as well as twice from the original refinaced done 2yrs ago.

LOANCARE had not responded to emails or phone requests to get this Deed of Reconveyance recorded. I am concerned as this will be a problem if I should try to sell or refinance my house. 
We tried several times to take care of. My account number with them was XXXX Your loan with them got paid off by wired funds from XXXX on XX/XX/2018. 

thank you. XXXX XXXX XXXX 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 2020-05-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries XXXX/XXXX  XXXX CARD XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX 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 2020-05-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries XXXX/XXXX  XXXX  CARD XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX MT XXXX 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