vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: HI

Complaint narrative:
I have an account with first bankcard, then my mother open another account with first bankcard and add me as an authorized user on another credit card with first bankcard which is different than the first bankcard I open on my own without letting me know in advance. I didn't mind that my mother open the account but first bankcard did not check with me which is a first red flag, when I find out later, the second red flag is first bankcard did not let me add that credit card to my online account to manage the account. When I call them, they dare to ask my mother 's personal private information include her social security which I did not give out and I don't think I want to give out someone's else social security either, which is another red flag. What they show here is lack of respect for the credit report holder which in this case was me when opening an account on my credit report without asking for my permission, then lack of respect for customer 's privacy when they started asking me my mother 's personal questions include her social security when I try to gain access to the credit card my mother open under my name when she add me as authorized user. This show lack of care for consumer privacy, and when I tried to close this credit card that is opened under my name, they said the fraud division would start investigate it which is ridiculous because they are the one who fraudulently open an account on my credit report without checking with me first and refuse to let me close an account on my credit report when asking for someone's else private information as an excuse to not let me access my own account. What a joke. I don't know who set up their system but it shows a total lack of concern for consumer 's private information rights. 
I own my own XXXX XXXX : XXXX XXXX XXXX ( registered in Hawaii ) and I would never set up a system where someone can open an account on someone's else credit report without their permission. My name is XXXX XXXX XXXX and my blog is : 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 2019-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AXIA FINANCIAL, LLC
State: AZ

Complaint narrative:
My realtor recommended XXXX XXXX from Axia Home Loans as early as XX/XX/2019. XXXX got my Certificate of Eligibility from VA dated XX/XX/2019. And I haven't heard anything from him. After few months XXXX called me and introduced herself as she will be assisting XXXX on my loan. I submitted all required documents date XX/XX/2019. 

The builder sent XXXX letter dated XX/XX/2019 informing him of my original closing date of XX/XX/2019. I was surprised that I have not heard what the next steps in loan processing from XXXX. 

To make things worst my house got sold and the closing of the new owner corresponsed to my initial closing date but my didn't happened. 

My realtor called XXXX and was told that my closing is XX/XX/2019 which I do not know where the date came from. 

My house got sold and I moved out on the XXXX of XXXX not knowing where to go. I ended up staying in a hotel with my mom from the XXXX to XXXX of XXXX trusted the company that I will be closing to my new home. But didn't happened at all XXXX came in to my house on XX/XX/XXXX rushing all the information/documents needed again to be submitted which I comply again. Though everything was submitted on XXXX. 

Then XXXX called my realtor saying that the underwriting will send out a Decline Decision on the same day again that I supposed to closed ( XX/XX/XXXX ). Checking out on the hotel and found out I do not have a place to stay. My friend offered but she got a family emergency. Then now we are staying at my brother 's house and I have to share at least {$300.00} a month for the 2 rooms that me and my mom are occupying. 

Axia compliance manager reimbursed me with the hotel ( XX/XX/XXXX to XXXX ) and the movers and 1 month rental of storage. But till now until I get into the new house need to pay the storage fee. 

XXXX know his job pretty good I supposed cause he was recommended by my realtor. But why in my case, he took his sweet time to help me with my loan. XX/XX/2019 he got the VA LETTER then I submitted everything on XXXX. The only thing XXXX said because my salary is small that's why it fell through. I worked and I received DIC from VA. If he did his job that so many months have passed I have nephew to help me with the loan. But no information was shared to me. XXXX discriminated me to get the roof over my head. which my XXXX Veteran husband wished before he passed away.

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 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
I have sent several disputes to SCA collections regarding an inaccurate collection listed on my XXXX  report in the amount of XXXX. I have also sent disputes to XXXX  regarding this inaccurate information listed on my credit file and neither company has been able to produce any proof that this debt actually belongs to me! SCA collections continually ignores any debt validation letters I send and continues to list this unverified inaccurate information on my credit file. I will attach my most recent correspondence as well as the certified letter I sent to SCA collections giving them one final chance to verify and send me the proper information as requested in my letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THE FOLLOWING ACCOUNT ARE UNAUTHORIZED DUE TO FRAUD. PLEASE REMOVE -PLEASE UPDATE MY CORRECT PHONE NUMBERS SO CREDITORS MAY CALL ME DIRECTLY - XXXX-XXXX-XXXX HOME AND XXXX CELL THERE IS ALSO AN ADDRESS THAT DOES NOT BELONG TO ME SHOWING ON MY REPORT PLEASE REMOVE. XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX, TX XXXX. XXXX- XXXX-XXXX-XX/XX/XXXXXX/XX/XXXX AND XXXX- XX/XX/XXXX EQUIFAX- XXXX- XX/XX/XXXX  XXXX- XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
It has come to my attention that equifax will no longer be giving consumers their rightly owed money, as a matter of financial practicality. I believe that not only is this immoral, but that the FTC and other consumer representative bodies should step in and further penalize equifax. This is primarily the case for three reasons. One, consumers never co wanted to the financialization and indexing of their habits by way of banks and other parties interested in exploiting them. Credit scores, credit ratings, and other abstract instruments are tools of an oppressive capitalist class and do not protect our interests. Second, it is also the case that consumers have been robbed of their privacy because of equifaxes gross negligence. Finally, workers have seen no real wage increases and thus, rather than opt for protection they wanted cash. This need for liquid assets is directly linked to speculative markets and the creation of new debt mechanisms which equifax and their ilk directly profit from by collecting interest from already strapped consumers. So pretty please, with sugar on top, do your XXXX job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was affected by the Equifax credit breach. I wanted to freeze my account with Equifax. I attempted to do it online yesterday and it said that I needed to call to get it done. I called yesterday and they said that their system was down for a security update and were unable to process the request. They told me to call back later, which I did. I tried to place a security freeze today and got the same error message telling me to call them. I have now spent almost 12 hours either on the phone or waiting for a phone call from Equifax to get my credit report frozen. Today, on separate occasions, they said they were unable to do it over the phone and that it had to be done online, that their system was down for a security update and that I needed to call back later, and that I gave incorrect information and needed to fax them documents. I was given a random 888 number to fax personal documents to, which I am not comfortable doing. It feels like they keep dodging my request. Since I never wanted an account with them, never signed up for it, and they are the ones that allowed my data to be compromised, it should be a lot easier to put a security freeze on my account than this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 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: SC

Complaint narrative:
Hello '' To Who is Reading This Message This is the second time that I'm sending out My Report I still see this Fraudenlt Account on My Credit Once Again I have been a victim of Identity Theft. I gave no one Permission to have Access to open any Accounts Under My Name. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 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: CA

Complaint narrative:
I had listed an item for sale in XXXX. It was listed for {$300.00}. 
Somebody by name XXXX XXXX XXXX ( XXXX ) contacted via gmail and text indicating she is interested to buy my product. She sent an cashiers check for {$1400.00}, indicating that additional amount is for her friend who is getting some more items for her and also help in shipping bunch of stuff to her. She asked me to deposit the cashiers check. I did the deposit in ATM ( BOA ) and ATM did not recognize this as fraud check. I am pretty sure even depositing via phone bank app would have resulted in the same way. 

Next day evening, she contacted me again and asked me to use XXXX app to transfer remaining funds ( total - {$300.00} ) to her friend XXXX. After 3 days, BOA declared the check as fraud and started saying that we do not track transactions and XXXX is like XXXX XXXX money transfer. BOA does not have any contact numbers for XXXX customer support as well. According to BOA, Apparently XXXX do not store any customer details at their side and store only phone or email information. 

The lady was using XXXX number at her end and there was no legit way to track that. 
Next day, same lady XXXX sent another cashiers check which I took it to BOA teller and the lady was not able to distinguish whether it was original or fake check. I asked her to call the other bank with account details to ensure if cashiers check was issued by that bank and we found out that to be fraud. 

Later checking online, I am seeing both banks and XXXX is saying we cant support such cases even though they can do that. One example being XXXX XXXX. 
See the link below : XXXX XXXX XXXXXXXX I have filed both police and FBI reports and have all correspondence with me. Please help me in getting my money back. If the cashiers check was identified as fraud initially or if XXXX could keep track of sender and recipient as it is in partnership with banks, these problems would not have seen. Along with trust, they should have relevant control to help consumers. I am also worried for lot of non aware digital technology people being XXXX by such scams and apps.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
We did a refinance through quicken loans and now just found out it was put as a second on our home we have tried to get the paperwork on this harp they did for us and we cant get any paperwork to find put exactly what they did to us they never told us it was a second mortahe on our home and we are trying to get a line of credit for a hvac unit we desperatly need and wete told we have to have this paperwork and quicken loans wont give us the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: SC

Complaint narrative:
Hello '' To Who is Reading This Message This is the second time that I'm sending out My Report I still see this Fraudenlt Account on My Credit Once Again I have been a victim of Identity Theft. I gave no one Permission to have Access to open any Accounts Under My Name. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: TX

Complaint narrative:
I have submitted several disputes requesting Verification of Debt with the credit bureau on a 3rd party collections agency reporting inaccurate information on my credit report. The credit bureaus did not do a full investigation and send proof that the debt belongs to me like I asked. Now they have sent me letter stating they will not re-investigate debt anymore. I have contacted the collection company and all they send me is a invoice. I still have no proof of the contract with my signature or bank transactions showing I did not pay. I want proof and the credit bureau simply just state account has been verified. The XXXX system is not a true form of investigating a validation of debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: MO

Complaint narrative:
I sent a letter to Transunion stating that the all of the credit Inquiries, except for XXXX XXXX, on my credit report were NOT authorized by me. I asked Transunion to delete the fraudulent inquiries, but they refuse to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: TX

Complaint narrative:
I have submitted several disputes requesting Verification of Debt with the credit bureau on a 3rd party collections agency reporting inaccurate information on my credit report. The credit bureaus did not do a full investigation and send proof that the debt belongs to me like I asked. Now they have sent me letter stating they will not re-investigate debt anymore. I have contacted the collection company and all they send me is a invoice. I still have no proof of the contract with my signature or bank transactions showing I did not pay. I want proof and the credit bureau simply just state account has been verified. The XXXX  system is not a true form of investigating a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: I.C. System, Inc.
State: GA

Complaint narrative:
I had a bill from XXXX XXXX XXXX from XX/XX/XXXX, for {$100.00}, I did not pay it and on XXXX, XXXX, XXXX Derogatory account Reported by XXXX XXXX thrue XXXX. 
Later this year I received multiple phone calls from random numbers about my debt {$100.00} to XXXX XXXX XXXX. That people knew my name and my old address, they even didn't have a legal way to know my current address. But, anyway, I explain them I already have a derogatory account and minus credit scores on my history. 
On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX Account balance {$100.00}. 
On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX. Account balance {$100.00}. 
On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX. Account balance {$100.00}. 
On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX. Account balance {$100.00}. 
So I have now FOUR Derogatory accounts not related to my history, because I already had one on XXXX, XXXX. 
Can you please stop that people from reporting Derogatory accounts on me every Wednesday? I am not sure now, if they are going to stop or keep doing this. Can you please remove all Derogatory accounts with a balance of {$100.00}, came after original, dated XXXX, XXXX, XXXX? Please, stop them, I feel unprotected, I am not guilty in what they trying to apply on me. Please, please, please!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a 5 year+ relationship with bank of America XXXX always paid my credit card on time, never ever missed a single payment either. Earlier this year, bank of America advertised the option for customers to be able to choose which shopping category they want to earn 3 % cash back on, after sending me numerous emails to choose my category, I finally choose the category that I use most often, and continued using my credit card. 

I feel that Bank of America was VERY deceptive in their advertising practices by allowing me to earn 3 % back in a category I choose, and then closed my account without any notice, thus giving me NO opportunity to even redeem any of my earned points. 

I have used this card every month for the past 5 years and was surprised that BOA did not notify me about closing the card. 

I had no idea my card was closed until after it was declined at 3 different grocery stores, these are stores I go to all the time!! Its literally less than 1 mile from my house and my card was declined. I called customer service and was told my card was closed after a review for no apparent reason. This is absolutely wrong and embarrassing for a bank like BOA to be this unprofessional. 

I have reached out to two bank of America supervisors/managers but all the said were bank jargon just to further confuse customers. BOA mailed me a generic letter stating the card was closed for : sufficient balances on revolving credit line, this term is ambiguous and therefore not specific especially being that my card had no balance at all.

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