vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a claim dispute going since XX/XX/XXXX. On XXXX XXXX my claim was closed for some mistake made on behalf of XXXX BofA categorizing me with all other fraud accounts and individually based on my account situation but I complied with their request to get clearance of my name with XXXX and report back to them when I had clearance. I did that and was sent to bank of america fraud department and they also had no negative reports on me and sent me back to claims as well clear from any fraud activity and my claim dispute was then reconsidered and opened along with being escalated to the top of their priority for review and it is now XXXX XXXX XXXX and I have moved no further than I was last year and I sent in FTC REPORTS, POLICE REPORT and Documented proof I recently discovered on my own connected to my identity verification with XXXX showing different IP addresses connected to my information trying to claim my identity and the IP addresses lead back to an address of someone related to my fathers family that has been committing identity theft and fraud with my personal information and account as well as my fathers account. With all this proof and being told I am getting my provisional credits and then told I don't qualify for my provisional credits and then that I do is getting ridiculous not to mention the losses I have had to endure from this problem with my dog XXXX because I was not able to access funds at one point when my dog relied on me to pay her medical bills and treatment to be ok and I couldn't and we were turned away only to have my dog die on me hours later in the day. I have done more than enough on my part to clear my name, provide proof of identity theft and fraud being committed, have patience as I am constantly being yo-yoed around with back and forth answers and losing my best friend being one of the hardest parts of all of this just to still be no closer than I was the first day XXXX reported my claim and not getting any answers except that I will get my provisional credits and then a few days later no that I won't and they can't tell me anything. I just need someone to help me and have no idea as to what else I need to do to be heard and get results.

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 monetary relief
Consumer complaint received 2021-01-06 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: GA

Complaint narrative:
I have provided several times proof of incarceration to XXXX & Equifax and also the creditors, to show I was XXXX  during the time these accounts were established. 

Please see the accounts reporting on my credit report XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX and also inquiries : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US Sm Bus Admin ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I have received a letter from CrossCountry Mortgage LLC dated XX/XX/XXXX. It states my hazard insurance has expired. 
Regrettably, the statement that my hazard insurance has expired is not true. No hazard policy for this property has expired since my ownership. 

Enclosed is another copy of the Declarations Page for the hazard insurance for the above property. As you can see the Declarations Page clearly states it has been in effect since XX/XX/XXXX, and will remain in effect until XX/XX/XXXX. The Mortgagee is correctly identified as CrossCountry Mortgage, LLC, and the Mortgagee 's address is correctly listed ( along with the loan number ), as the lender required in the Hazard Insurance Endorsement Letter set forth in CrossCountry Mortgage 's loan documents. ( It appears that CrossCountry Mortgage has changed the loan number since the loan closed, however, I have received no notification from CrossCountry Mortgage LLC of this change. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/2020, I received a Citibank promotion mail that offers me a {$500.00} bonus for opening a new checking account with Citibank. The promotions states that by opening a Citibank checking account and deposit {$15000.00} within 30 days of account opening and maintain that balance for over 60 days to be eligible for the {$500.00} bonus. I decided to take this offer and I opened the Citibank checking account around mid XX/XX/2020, and made a deposit of {$15000.00} on XX/XX/2020. I waited for 3 months, and when I check my account, I don't see the {$500.00} bonus, so I called Citibank customer service. A representative told me that the 3 months period is to meet the requirement for the bonus, but it takes at maximum another 3 months for the bonus to deposit into the checking account. Therefore, I waited another 3 months, and when I decided to check the account again on XX/XX/2020, I still don't see the {$500.00} bonus. I called Citibank again, and another representative told me that normally I should have received that bonus on XXXX, but she went ahead and opened a dispute for me and told me I should called back in a week if I don't get contacted. I waited another week, and Citibank did not call me, so I called them again. This time, the representative told me the investigation has concluded, and I am ineligible to get the account bonus. She did not tell me the reason why I am ineligible, she just said a letter has send out and that letter will explain to me the reason. I have yet to received the letter but I am very frustrated that Citibank has not honored the promotion as advertised and even if I am indeed ineligible, they made no effort to inform me in the first 3 months, and instead just told me to wait for another 3 months and keep maintaining that much money in the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: CA

Complaint narrative:
Back in XX/XX/2020 I file my first dispute with all 3 credit bureaus.

I have yet to receive anything from that dispute, so I file another one in XXXX and yet again NOTHING. Why is it so hard to send me information I'm asking for? What do I have to do to get a reply from them so I can fix my credit? I should not have to keep filing disputes and writing complaints just to get what I want.

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 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I fell behind on my mortgage XX/XX/XXXX and contacted Caliber on XX/XX/XXXX to discuss what my options were to cure the default. Per XXXX ( employee id XXXX ), I could extend my forbearance or apply for loss mitigation and she would mail paperwork to my home. On XX/XX/XXXX XXXX  ( employee id XXXX ) stated that my deferment agreement was due back by XX/XX/XXXX with a mortgage payment due XX/XX/XXXX. I never received this agreement nor did I receive any phone calls about a possible deferment. On XX/XX/XXXX, XXXX ( employee id XXXX ), stated that if I was unable to make a payment then I would have to apply for loss mitigation. I told XXXX our hardship would be resolved so we could resume payments XX/XX/XXXX but XXXX said that was not an option so I submitted my paperwork on XX/XX/XXXX. On XX/XX/XXXX a letter was mailed stating my request for assistance was denied due to me not accepting the deferment option. My mortgage company forced me in to a plan that I could not comply with, forcing me to apply for an alternative only to be denied. I have only followed the instruction of my mortgage company and will now be left homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I have had a very difficult time with Shellpoint. I have tried to submit for a loan modification a couplel times. I was never able to communicate to the same person which always caused confusion. Shellpoint always seemed to lose my paperwork, which I constantly had to re-fax. I had a very serious medical situation and was hospitalized battling XXXX. I fell behind on my mortgage. Praise XXXX! I am now XXXX free. I now have 3 jobs and can afford my mortgage ... I have applied on XX/XX/20. I was told by Shellpoint to do so and should qualify. I have never had a loan modification before. 7 days later I got declined. Which does not seem like a fair review. I've been told it sounds like a predatory lender or investor by HUD and should file a compliant with CFPB for help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Critical Resolution Mediation LLC
State: FL

Complaint narrative:
A collection agency named Critical Resolution Mediation LLC called me many times in XX/XX/XXXX to pay a debt that I owed. It came to the point that if I didnt pay back the debt that same day, they were going to sue me. We came to a settlement agreement for {$1200.00}. I payed this amount on XX/XX/XXXX. Today, XX/XX/XXXX, I found out that it was fraudulent and that I still owe this amount to the real creditor XXXX and XXXX XXXX. I also searched up Critical Resolution Mediation and found out that they were shut down by the FTC and is currently in court with the FTC. I tried disputing with my bank, but they werent able to do so because the transaction was over a year ago.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-06 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: AL

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been a victim of identity theft through cash app. Someone impersonated my friend on XXXX and scammed me {$900.00} on cash app as well as took over my XXXX and stole my identity. 

As soon as I realized what happen I put a fraud claim in work my bank- Bank of America and contacted the police for a police report. 

I followed up weekly to see the status of my claim as well as unfreeze my account everytime funds came in to withdrawal them and refeeeze my account to avoid any further funds being stolen. 

After about 2 weeks the bank told me they filed the wrong claim and needed to file another claim.

I was randomly checking my account one day and saw the claim was closed- no letter mailed to me- when I called they said I was at fault- when I once again explained the situation the said they were doing another claim, the previous person I spoke with never corrected the first claim. 

I am already 90 days in the process at this point, and trying to buy a house so this is more frustrating and I am told that the new case can take another 90 days. 

Meanwhile through all this I have been told conflicting information from various employees on the process of freezing abs unfreezing my account, come to find out my account is not being property notated- and this is how the fraud department handles things? They cant even get procedures straight, very alarming I submitted numerous complaints and ask that they be followed up on, never received a follow up. 

The initials fraud took place end of XX/XX/XXXX, last week once again I am looking at my account to find out they are now closing my case again with me at fault because the fraud happened through cash app- which was known the very first say the first claim was submitted, why Put me through over 3 months of waiting, and misinformation? 

They are now saying I am responsible for the {$900.00} taken from me and they will try and deduct the funds XX/XX/XXXX I am enraged with how horribly this was handled. And that my complaints were ignored, I work in banking and know this is unacceptable.

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 2021-01-06 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: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
BBVA report to my credit report that I was late on account XX/XX/XXXX. I had did a XXXX complaint on this company! They only fix XXXX reporting. Today I noticed this company havent reporting my information correctly or posted my payment correct. 

I made a double payment on account for XXXX XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called in XX/XX/XXXX, for A deferred payment! Due to a injury and a loss of a family member XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that is still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$230.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$880.00} XXXX XXXX Opened Date Balance {$11000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened Balance {$55.00}

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 2021-01-06 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: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-01-06 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: HW Holding, Inc
State: IL

Complaint narrative:
MY HOME WAS BROKEN INTO IN 2018, I SPOKE TO THE LEASING AGENCY AND WAS ALLOWED TO BREAK MY LEASE, HOWEVER, I HAVE NOTICED THIS ITEM ON MY CREDIT REPORT WHEN I WAS TOLD IT WOULD BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This is a follow up complaint to what I submitted on Monday, XX/XX/XXXX against XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX, Ph : ( XXXX ) XXXX. Myself and my mother called dozens of times on Monday because their faulty system took double payment from us. See other complaint on account # XXXX for details. 

I was told by XXXX ( alleged manager ) that he would forward my information to processing and that I would be refunded by today XX/XX/21. As of XXXX, I have not been refunded for the extra {$710.00} that was taken from my checking account without authorization. I was told on XX/XX/21 that they would reverse this extra payment and that the processing lady " catches these mistakes '' right away. Both the authorized payment of XXXX and unauthorized amount of {$710.00} were posted to my XXXX XXXX account, meaning they processed both. 

I called today several more times. I left a message with supervisor XXXX XXXX at approximately XXXX, and as of XXXX, has not responded to my request for contact. XXXX, another alleged supervisor, said that he would have to send my request to processing ( again ) because he couldn't see that she did not refund what was owed to me. 

At this point, their behavior has turned criminal. They processed {$710.00} that I did not owe or authorize, have had several days to process the refund, and have ignored all my requests for contact. They also processed the unauthorized amount of {$710.00} instead of reversing the charge. This company is engaging in fraudulent behavior and stealing unauthorized payments. I want this money refunded to me. I would also like to be reimbursed for all the overdraft and late fees I've incurred as a result of this criminal behavior. To date, I have incurred two overdraft fees totaling {$39.00} each from XXXX XXXX, that would have otherwise been covered if not for their stealing an extra payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: CA

Complaint narrative:
As an XXXX  CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.

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 2021-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient calls at least 6-8 times a day.

Company response to consumer: Closed with explanation