vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/2022 around XXXX pm XXXX time I receive a text message some one try to use my card if i want to us my card l need to verify those transactions and my answer no i didn't authorize those so and then i receive a call from the number XXXX and answer this call was a male person he told me he call from server amex which is my card bank so he asking a lot question about my account end XXXX so after the conversation i did not was a fraudulent call so i was give my information social security driver license and password from my account email address and he say was cancelled my card and sending a new card but a never receive so Thursday morning l have another text message if i doing transfer for XXXX from my account to pick up in XXXX so i say no is no me so after couple minutes when i check my account i note less money so i try to call the bank o card services and my account was block and no money after when i call several times l call fraud department and they give me all the details about the Person pick up the money and transaction number is the Person name is XXXX XXXX transaction # XXXX and XXXX store number is XXXX XXXX XXXX XXXX XXXX XXXX Florida so this person is a robber identity theft he or she use my card fraudulent please help me to find this person to search and sending to jail for scam and fraudulent person and then i call the company Amex server for my money back and then they tell me that dispute was denied because l was authorize this transaction and case number # XXXX i have with me a evidence that l did not authorize this transaction text message from the company server they asking me if i approved and l was response no but they pay authorize the transaction l don't feel safe anymore money in this institution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I opened my work email on XX/XX/22 and discovered 4 emails stating I had opened an online banking account with Bank of America - 1 ) to varify my email 2 ) online application is in progress 3 ) Your application was approved 4 ) Welcome to Online and Mobile Banking No monies were exchanged at this time. I do not have an account with Bank of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
XXXX Original complaint This process is still going on with no resolution in site. Freedom Mortgage is now asking us to pay a rate extension which according to company response they were totally responsible for issues and will extend the rate. No one at Freedom can give us an answer all we get is the run around. Everyone you speak to gives a different story but no one can get this refinance closed We owe them no documents so if they respond they are missing items it is bogus. 

There initial response waiting on income verification was bogus as this process is still on going and now they want us to pay a rate extension. This was always about changing the rate on us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: IN

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 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: NV

Complaint narrative:
I have submitted multiple disputes to have an account by XXXX XXXX XXXX removed from my Equifax credit report. The company reporting the debt has provided AUD tracking number XXXX and confirmation from the Equifax XXXX tool that this account was removed from my credit report. Equifax has failed to remove to item and is the only CRA to not comply with the deletion request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLIANT CREDIT UNION
State: MN

Complaint narrative:
Alliant Credit Union closed my checking/credit card account without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: MD

Complaint narrative:
XX/XX/2022 Report requested by XXXX XXXX XXXX  for a mortgage XXXX XXXX obtained a report from XXXX XXXX in XXXX, PA. 

The report provided the credit score from each agency, Equifax, XXXX & XXXX. 
For each agency there were scoring descriptors that were incorrect and that could not be substantiated by the data. XXXX XXXX was contacted and explained that the scoring model is originated by XXXX XXXX XXXX. 

After contacting XXXX XXXX, Equifax and FICO, no one accepted responsibility for the errors. 

Descriptors used - " level of delinquency on accounts '' " too many consumer finance company accounts '' " insufficient length of revolving credit history '' were inaccurate. 
I have {$0.00} balances, 0 delinquencies and my revolving accounts have aged beyond 15 years. 

These descriptors impact the credit score which impacts the lending agencies decisions.The data analytics require correcting and the reporting agencies including XXXX XXXX are equally responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
Going through the XXXX wavier process I did the paper work, submitted, my loans went from XXXX to Fedloan. Before XXXX they were with XXXX. I received an email with the case number : XXXX from Federal Student aid stating that I put the wrong EIN number for XXXX XXXX XXXX. However, when I reviewed the forms I submitted to Fedloan, that EIN number is NOT THE ONE Federal student aid is saying I submitted. Now they are telling me they closed my case because of the number mix up. Ive called them, they told me to call fedloan, I called fedloan, they told me its a student aid issue. Im getting screwed on this deal just like the other thousands of Americans have been. We are always lord to and it is getting old!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I opened an account with Bank of America in 2016. Bank of America closed my account because a check came through that did not clear. I did not receive payment for the check but they closed it and labeled it possible fraud. Although no fraudulent activity was found my account remained closed and when I try to open a new account with another institution they deny me because of this account with Bank of America. I tried to resolve this with Bank of America and they say they report it for 5 years and then remove it. It has been five years and it is still showing up. Can you please help me resolve this issue? 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 2022-03-22 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: MA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Sender Name : XXXX XXXX Business name : XXXX XXXX XXXX Bank : Bank of America Account number : XXXX Email used for XXXX : XXXX. 

Receiver Name : XXXX XXXX XXXX : XXXX Account number : XXXX Phone number used for XXXX : XXXX Transaction number : XXXX Amount : {$5000.00} Issue : Reversed transaction was taken out from the receivers account but not deposited to the senders account. 

On XX/XX/XXXX XXXX XXXX sent {$5000.00} to XXXX XXXX through Bank of America app using their XXXX quick pay service. XXXX XXXX received the money right away. However, after receiving the money, we decided to reverse the transaction, so XXXX XXXX called XXXXXXXX XXXX and ask them to reverse the transaction. XXXX XXXX took the money out from XXXX XXXX account and said they reversed the transaction, and that it will be deposited within 6 days. Its been almost 40 days the money is not in XXXX XXXX account. 
We contacted Bank of America and they keep telling us they did not receive the money from chase. We opened a claim, and they closed the claim saying they never received the money from XXXXXXXX XXXX Every time we call Bank of America, they give us the run around and they try to push the responsibility to XXXX. XXXX also keep telling us they already sent the money back to Bank of America and closed the claim we opened with them. 

*Please find attached XXXX XXXX bank statement from bank of America and XXXX XXXX bank statement from XXXX as evidence.

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: IN

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: IN

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( XXXX ) ( XXXX ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: IN

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( XXXX  ) ( XXXX ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I had a bank account with U.S. bank. I was receiving many letters from all different states ( which led me to believe they were fake ) usually things like this have 1 main location they send from. So I ignored them being as they requested I call & provide updated information they needed. I let it go thinking it was a scam. Well my account got shut down. I called the bank when everything stopped working & I no longer had a mobile account. The first time they said " we don't know there's no notes here, well call back ''. Second time a week later they didn't call back. I called back, same thing. Third time, a 'bank XXXX '? Was in & said " we can't say, call our fraud department ''. I called them, they said " we don't know either, call this number ( some sort of internal department ). They said ALSO " ya we don't know but whoever it was just doesn't wan na continue our baking relationship ever again ''. WHAT DO I DO?! I thought I couldn't open any accounts. So I went a year without a bank which makes paying bills difficult. Luckily I was able to make about one with a new banner, but wow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
They refused to to help me and told me that I did live in XXXX  XXXX when I have never live there.I have tried to dispute this threw the credit Bearl to and they want except it

Company response to consumer: Closed with explanation