vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I Used a Bank of America ATM at XXXX to withdraw {$1000.00}, the daily max limit from the EDD card provided to me for unemployment. The Bank of America ATM was # _______.

During the transaction, I did not receive {$1000.00}, just a receipt that I had received the money and that {$1000.00} had been withdrawn from my account. Because I thought maybe the money had gotten stuck in the machine, I called for my wife who was outside waiting for me to stand by the ATM, while I ran into the bank to ask for help. The Bank of American staff said they had nothing to do with the ATM 's and  gave me a number to call. I called the number given to me, XXXX XXXX XXXX and explained the whole situation. She said a case number would be given to me, and usually that it can take up to 6 weeks  before matters like this get resolved. After my phone call I went into the bank, since I still needed the {$1000.00}. I had to explain myself again, since a {$1000.00} is the daily limit. After telling the story she let me take out {$1000.00} from my account. My account statement now had 2 withdraws of {$1000.00} each. After receiving the {$1000.00}, I called back the number I was given to ask more question and also to explain that I had received {$1000.00} from the clerk but was still missing {$1000.00} from the ATM.

Weeks later, I received a letter saying I would be reimbursed for the  {$1000.00} from the ATM during the investigation process. After that I received another {$1000.00} with a different claim number. So I know had received {$1000.00} too much. I tried calling the XXXX to let them know the mistake but no one answered my call and still hasn't to date.I have been calling other numbers, EDD, Bank of America, Fraud etc, but they all say they have no involvement in the matter and can only transfer me. 2 weeks after I received the $ XXXX I received another 2 letters, 2 different claim # 's. Both stating the account has  been subject of fraud. The $ XXXX was now withdrawn from my account and case closed. Meaning I'm still missing my {$1000.00} from the account and the case is closed and I can't seem to reach anyone to resolve this matter. I tried again calling other numbers including the number that was given to me on XX/XX/XXXX, when the ATM withheld my {$1000.00} but they either say case is closed or redirect me to a number that never answers. I have been on hold daily for hours and hours on stretch. If I just let the phone be on hold, after about 2-3 hours it goes to a mailbox that hasn't yet been set up and then hangs up your call.

I do have the ATM number, I have my letters from bank of America, the 2 different claim numbers.

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 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: DC

Complaint narrative:
Sunrise Credit Services has been calling me repeatedly, but not answering when I pick up the phone. So I called them today. They told me I had a {$600.00} debt to XXXX. I have never had a XXXX   account. They asked if I lived at a particular address -- I had never lived there. They asked if my birthday was XX/XX/XXXX. It is not. The calls from this place are incessant and it's not even my 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 2020-10-20 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: Collection Bureau of America Ltd.
State: AR

Complaint narrative:
I've recently been in contact via mail over the past two months with the major consumer reporting agencies and collection agencies due to my identity being stolen which resulted in fraudulent accounts being opened and reporting on my credit file. Since I've noticed an obvious or clear violation of the Fair Debt Collection Practice being committed by a  company called the Collection Bureaus of America under section 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This account has not been updated as DISPUTED AND IS IMMEDIATE GROUNDS FOR REMOVAL UNDER THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P.
State: TX

Complaint narrative:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
TO : Citibank Credit Card Disputes XX/XX/20 pages : 1 plus three attachments Card ending in XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX RE : Case XXXX XX/XX/20 {$99.00} XXXX XXXX Hello, I wrote you about above case and showed you my statements that this case was permanently closed in my favor months ago. I showed you in my disputes list 20 or so cases, this one included have mysteriously changed from closed in my favor permanently for months to CLOSED IN MERCHANTS FAVOR credit reversed dated XX/XX/20. 
Many others have been dated XX/XX/20 or XX/XX/20 and I send you the proof you notify me today XX/XX/20 of a letter in my e communications dated XX/XX/20 attached here as A that tells me exactly what I told you that the case was closed in my favor previously. Now check attachments marked as B and C on top in my disputes list today the same case shows closed in merchants favor XX/XX/20 credit reversed. 
This is a non stop issue and how can we trust any of these decisions when what is going on here please?

There are 7 credits I am due on this same acct that needed to be credited but something is going on very wrong here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my 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 2020-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
As of XXXX of 2020, the Colorado Housing Finance Authority is no longer offering refinancing, no FHA streamline financing or otherwise. Beause they do not offer refinancing, they are no longer willing to allow subordination on second liens they hold. Their downpayment assistance programs give borrowers the option of taking a grant or taking a silent second lien when receiving the downpayment funds. If you take the silent second option, they refuse to subordinate if you attempt to refinance the first mortgage, demanding payoff. However, when they were offering  refinance options, they had no issues refinancing. This has left many stuck in higher rate mortgages when they could easily refinance now to take advantage of lower rates. Their pushback is that these terms are in the Note, but there is not additional paperwork that says that they only subordinate if they hold the first lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TX

Complaint narrative:
On XX/XX/XXXX I printed a letter to XXXX, XXXX  & Transunion, I then mailed the letter to all three Bureaus on XX/XX/XXXX, the only Bureau that  responded were XXXX. On XX/XX/XXXX I printed the same letter advising that it had been over 30 days and I still haven't heard back from Transunion and XXXX. The letters were mailed on XX/XX/XXXX. Along with the second set of letters I set XXXX XXXX a letter per response from XXXX  and have not heard back from them either as of XX/XX/XXXX. All three bureaus is reporting a Bankruptcy on my report dated XXXX but states that it were verified XXXX. I asked for them to validate this information, XXXX  states they verified this information through XXXX XXXX. I'm aware that each Bureau has 30-45 days to respond, for  Transunion, XXXX XXXX XXXX XXXX its been over that time frame. I also contacted the courts and verified that they do not provide either of the listed parties this type of information. I'm not aware of all the legal terms when it comes to this. Since the allocated time frame has passed, this information should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TX

Complaint narrative:
On XX/XX/XXXX I printed a letter to XXXX, Equifax XXXX XXXX, I then mailed the letter to all three Bureaus on XX/XX/XXXX, the only Bureau that responded were XXXX. On XX/XX/XXXX I printed the same letter advising that it had been over 30 days and I still haven't heard back from XXXX  and Equifax. The letters were mailed on XX/XX/XXXX. Along with the second set of letters I set XXXX XXXX a letter per response from XXXX  and have not heard back from them either as of XX/XX/XXXX. All three bureaus is reporting a Bankruptcy on my report dated XXXX but states that it were verified XXXX. I asked for them to validate this information, XXXX  states they verified this information through XXXX XXXX. I'm aware that each Bureau has 30-45 days to respond, for XXXX, XXXX XXXX & Equifax its been over that time frame. I also contacted the courts and verified that they do not provide either of the listed parties this type of information. I'm not aware of all the legal terms when it comes to this. Since the allocated time frame has passed, this information should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TX

Complaint narrative:
I sent 3 different letters to Experian, ( different accounts ) that they signed  for on XXXX XXXX. Experian only responded to one of my letters, and never responded to the other two. I sent out a failure to respond letter that  was delivered to them on XXXX XXXX along with copies of each letter I sent, a copy of the one response they sent and all 3 copies of the certified tracking slips. Ive submitted complaints about how Experian has violated the FCRA by not inputting notice of dispute as well as failing to perform a proper investigation into my disputes. I recently received an updated credit report with no changes! Why were these accounts not handled properly. Experian failed to respond within the allotted time, however they still did not take the proper steps to rectify their mess up! Last time I made a complaint Experian responded they could not look into the situation because they were not sure I was who I claimed to be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: OK

Complaint narrative:
I have had issues with Experian for over a year now. I have one account in collections that they have bluntly refused to resolve. The representative from the fraud department told me the do not have to show me Proof of what they verified or tell me how they verified the debt that is not mine. I have called and requested over 4 times for verification that validated the debt. No help! They are allowing this company to report false information  onto my credit file. XXXX  and XXXX  have deleted this account from my report.This is a direct violation of my consumer rights!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Reporting information on credit report wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: PA

Complaint narrative:
Reporting information on credit report wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Reporting information on credit report wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I was told to leave my home on XX/XX/2020 because of foreclosure. The company only gave me 30 days to leave the property. I filed a motion for 130 days which I was refuse because I needed time to find a place to live. The company name Freedom Mortgage. If you could help me. I am homeless now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Our Bank of America HELC was paid off on XX/XX/XXXX in the amount of {$92000.00}. This included an overpayment of {$470.00}. 
The bank recorded a Full Reconveyance with our county recorder on XX/XX/XXXX. 
I contacted the bank by phone on XX/XX/XXXX and after waiting on hold for 30minutes gave up. 
I made an appointment with the bank and talked in person on XX/XX/XXXX and was told they could not help me, I had to call. I called the same day and after 48 minutes on hold spoke to a customer service rep who said a refund check has gone to an escrow account to benefit the borrower ( us ) on XX/XX/XXXX. 
To date XX/XX/XXXX, we have not received a refund of the overpayment of the loan The loan was paid off on XX/XX/XXXX. Over one month.

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 2020-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America and myself have had a very long history on my home mortgage. I purchased the house in XXXX-refinanced with Bank of America XXXX, home equity loan which allowed me to pay my own taxes. In XXXX. Bank of America changed the terms of the agreement and began to escrow the account to cover homeowner taxes, insurance, water, sewer and trash bills ( {$2500.00} ) a year. In XXXX, I refinance the home loan with another lender. Bank of America provided information that all my XXXX taxes, insurances, water, sewer and trash bills would be paid from the accumulated escrow applied to the back end of the loan. I only owed {$46000.00} on the exiting loan, however Bank of America added over {$10000.00} in escrow amounts to the loan. I had never been late of the loan monthly agreed mortgage payments, they claim this escrow was for taxes. I recently received a tax bill from XXXX. The total pay off amounts where at the end of XXXX XXXX, total pay off of the loan was XXXX, which was pay off by another banking company. There should not be any taxes still owed in XXXX, according to the documentations and information provided to me at the time of the pay off of the exiting loan. Bank of America refuse to provide me with a refund of the differences in escrow at the time and now I owe for XXXX. This procedure can not be accurate.

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 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  XXXX credit card report first delinquency is XX/XX/XXXX. I thought the first day of delinquent is when the 7 year count down start to remove charge off debt. I was told by credit report agency said XX/XX/XXXX to XX/XX/XXXX is when its one year and so forth. I thought one year is counted from XX/XX/XXXX to XX/XX/XXXX. If the way to count the each year as what credit agency said then it need to be public information. If my way understanding is XX/XX/XXXX-XX/XX/XXXX is counted as one year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I discovered a new derogatory mark made on the XXXX of XX/XX/2020 on my credit report from some I do not recognize. 
it says opened XX/XX/2020, today XX/XX/2020 I disputed it with the company, the debt is for {$2200.00} the creditor says XXXX XXXX  01 Synchrony Bank Home Design XXXX. 
the account status, on the XXXX XXXX site, has changed since I disputed it.

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