vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 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: CA

Complaint narrative:
On XX/XX/2018 I was trying to purchase concert tickets while at work and found an ad on XXXX for 4 tickets for {$60.00} each, totaling {$240.00}. I started texting the person who showed me proof of purchase via XXXX email, a picture of an ID ( which may have been stolen ), and an email address ( XXXX ). They requested I use XXXX to make the transfer, which is the preferred transfer method through BofA that I have used before. I was under the impression that it was a secure money transfer method because it was through BofA and would not have to worry about fraud. Once I made the transfer, I never heard back from the person. After an hour and still no response, it was clear this was a scam. I called Bank of America to try to reverse the transaction and they said the charge was not able to be cancelled. I filed a claim with BofA and have yet to hear anything back. They mentioned this could take up to 45 days to process, and the likelihood of getting refunded was minimal to none. This was hard to believe from a company I have trusted for so long. 

Also of note - BofA was initially able to tell me that the receiving account was XXXX XXXX. I then called XXXX XXXX to try and track down the scammer with the email address linked to the given bank account. Because I am not a member of the bank, they dismissed my call and redirected me to BofA. This was extremely frustrating that the bank was not willing to investigate one of its potentially fraudulent customers.

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 2018-11-08 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: CA

Complaint narrative:
XXXX AND EQUIFAX credit bureaus have allowed an unscrupulous original creditor, XXXX, to get around the law regarding reappearing items on my credit report after deletion.XXXX XXXX XXXX, as an agent of XXXX, account number XXXX has appeared on my reports after being removed by the second agent for XXXX, XXXX XXXX, account number XXXX which was removed by XXXX 's second agent on XX/XX/2018.I HAVE ATTACHED THAT CFPB INVESTIGATION AND COMPLAINT WITH RELIEF GRANTED.IT IS UNETHICAL AND ILLEGAL FOR THE BUREAUS TO ALLOW THE SAME DEBT OWNER TO APPEAR ON A CREDIT REPORT BY DIFFERENT AGENTS AFTER DELETION OR REMOVAL AS RELIEF GRANTED BY THEIR AGENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: GA

Complaint narrative:
Collections and charged off accounts are not mine. Please delete it. This is clearly an identity theft. And until now these records is still showing on my credit report. 

1. Balance : XXXX date opened : XX/XX/XXXX 2. balance XXXX date opened : XX/XX/XXXX 3. balance : XXXX date opened : XX/XX/XXXX 4

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 2018-11-08 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:
I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Experian is unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, Chapter XXXX Bankruptcy XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My credit report shows that i have multiple credit inquires which i never inquired about. I called the companies and they dont have any idea on how my credit was pulled. 


1. Syncb/XXXX - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. Syncb - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX these are the hard inquires that were pulled from my credit report that i never gave permission 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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My credit report shows that i have multiple credit inquires which i never inquired about. I called the companies and they dont have any idea on how my credit was pulled. 


1. XXXX/XXXX  - XX/XX/XXXX 2. Brclysbankde - XX/XX/XXXX 3. Brclysbankde - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX these are the hard inquires that were pulled from my credit report that i never gave permission 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 non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: 1ST ALLIANCE LENDING, LLC
State: IL

Complaint narrative:
I was laid off from my job in XX/XX/2018. I made a lump sum mortgage payment so that my next payment was due in XXXX. I had also had automatic bill pay thru my bank for my mortgage. Aside from the lump sum, the mortgage company received an extra {$500.00} in XX/XX/XXXX. Just came I still could not find a XXXX and received a notice that my payment was going up because of negative escrow. I contacted 1st alliance to see if they could that {$500.00} payment and apply it to the negative escrow. I also applied for an unployment forbearance which I was denied for because I was not 60 days late on my mortgage. 60 days is when they are able to start foreclosure proceedings. I have paind not only my mortgage on time every month, but extra as well. Since XX/XX/XXXX ( if not before ). I have been told that the supervisor is looking into where my extra {$500.00} payment went. I have called multiples times per week for the past several months and no one knows how much my payment should be. I have also been told NOT to make a payment because they were unsure of the amount. I was requested to send bank statements to show the payments, and consistently am getting emails saying the payment I set up was returned ... ..I never set up any payment because I was advised not to. They have messed up my credit, chose not to work with me and now I have no idea when or how much to pay. This has become more than a hassle. They are basically refusing to work with me and now I am in fear of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the late payments XXXX XXXX XXXX account with the credit bureau XXXX I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the late payments XXXX XXXX XXXX account with the credit bureau . I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove any and all fraud alerts from my name and credit report 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 2018-11-08 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: IL

Complaint narrative:
Please remove any and all fraud alerts from my name and credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove any and all fraud alerts from my name and credit report 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 2018-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a piece of mail that resembled a document from Bank of America. I was suspicious of the piece of mail because I do not have a Bank of America bank account nor have I ever opened a bank account under my truncated name. I also noticed that the mailing address was a PO Box # and in the letter it was asking payment to be sent to another PO Box # that was different ( XXXX vs. XXXX ). Please see the attached photo. To test the phone line, I called the number listed and it goes through a fairly believable automated system that you are able to input the last 4 digits of a fabricated account number - which I checked against a real Bank of America automated system. The fake automated system would eventually forward the call to someone who claimed to be in some sort of card member services. I hung up after reaching someone and did not speak with them. A real Bank of America automated system will give the option of using your account number or 4 digits of your social and is noticeably smarter and faster in processing. I checked the number listed in the letter and my social and thankfully an account was not actually opened under my name at Bank of America. I  wanted to bring this sort of scam to light because I feel like it has the feel of authenticity because of the automated system. It might seem fishy but others may be duped thinking that because of the automated system that then directly puts you in contact with a representative seems real enough. Thank you for reading.

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 2018-11-08 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: MO

Complaint narrative:
My identity has been compromised and I'm trying to get it back. I have discovered and disputed accounts inwhich I have absolutely any knowledge of whatsoever. I'm requesting that the following accounts be removed/ blocked from my credit report. The accounts are XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX. Two of the three credit reporting agencies has honored my request. And hopefully the 3rd one do as well.

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 2018-11-08 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: TN

Complaint narrative:
I am so exhausted sending letters to Equifax about this issue.. I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please step up and delete Bankruptcy : Discharged CH-XXXX XXXX-XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XXXX XX/XX/2018 I desposited my school refund and a cashiers chque in the total of amount of {$47.00}, XXXX. 

The monies were available for more than thirty days which my bank PNC then determines the cashiers check was fraudulent and took all the monies back with out an investigation. Are banks insured by FDIC? 

Never in my life have had a check bounce. How will my bills get paid? PNC took all money back and spoke with an investment bankers who said they were not suppose to go in my account and do that without an official investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have disputed the late payments on XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX reported duplicate on my credit report ), XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX, and XXXX XXXX   XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX reported duplicate on my credit report ), XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX XXXX, and XXXX/XXXX XXXX, accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have disputed the late payments on XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX reported duplicate on my credit report ), XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX XXXX, and XXXX/XXXX  XXXX, accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-08 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: HI

Complaint narrative:
I am so exhausted sending letters to Equifax about this issue.. I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please step up and delete Bankruptcy : Discharged CH-XXXX XXXX, XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: GA

Complaint narrative:
I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( reported duplicate on my credit report )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: GA

Complaint narrative:
I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Experian and XXXX   were unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, and 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 2018-11-08 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: GA

Complaint narrative:
I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since XXXX and Transunion were unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, and 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 2018-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
IQ Data in XXXX has contacted both my ex wife and one of the executives at my company in order to try to contact me after I blocked their phone number. 

The debt in question is not valid in the first place ( previous landlord trying to get me to pay for damage I did not cause ). And now IQ Data is  contacting my co-workers and family, which is causing personal stress and embarassment. I have proof of their attempts to contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: CA

Complaint narrative:
DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Credit Bureau is unable to help me remove this, CFPB please delete the accounts 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