vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BofA Merrill has refused to transfer family member XXXX XXXX XXXX 's account, even within the firm, to Merrill XXXX. The request was made after the client discovered that BofA Merrill had overcharged him and that there had been a breach of fiduciary duty. 

See most recent details below ( with account numbers redacted ) : -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/2022 at XXXX XXXX  Subject : Re : Accounts Approved To : XXXX, XXXX XXXX Hi, XXXX. 
It was nice to see you again today in XXXX. 

You mentioned that you could see XXXX XXXX 1. XXXX account - # XXXX 2. IRA - # XXXX, and you will ask XXXX to transfer it, correct? 
3. You can not see the third account number or AUM. 
You have to talk to XXXX, correct? and then you will send XXXX XXXX the details. 

Also, did I understand you correctly? 
XXXX XXXX at Merrill is in control of XXXX XXXX accounts now, and XXXX XXXX has explained to XXXX XXXX that he plans to transfer the accounts out. 
XXXX XXXX sent you an email to contact XXXX XXXX to complete the transfer, after the paperwork is done, correct? 

XXXX XXXX only received a note from you - an application asking for his social security number and other personal information. Its not clear that this is from Merrill edge. 

XXXX sees the number XXXX, as an application ID to be completed within 30 days. 

You stated that you can not move the trust without XXXX XXXX being physically in the office, no? 
XXXX XXXX is in Florida. 


Best regards, XXXX XXXX. There has been no response to this message, to date. XXXX XXXX has spoken with XXXX XXXX and with XXXX XXXX multiple times, about his desire to move his 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 2022-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Carter Young had one of their representatives impersonating a detective to attempt to collect a debt that was mine, they used vulgar & explicit language. I was verbally molested by a XXXX  representative pretending to be a detective to call and harass me on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
With the main loan or the big loan I am ok with a lot of sacrifices but I am paying on time because my son is helping me to pay with the 2nd loan is with the one I have problems. The put me on foreclosure but according to them they canceled it..because I didn't pay the 2nd loan for a while.. the confusion and problem was that nobody send me a bill since I did a bankruptcy on 2010 and the judge asked me if I want to keep my house and I said yes.. I thought it was included in the first loan but not when I tried to refinance that's when I found out that I have a lien against the property. The company for the 2nd loan never send me a bill or anything.. I was trying to talk tot the attorney that help me with the bankruptcy but i found out that she XXXX XXXX XXXX XXXX XXXX I asked my bank for the 1st loan and they said they didn't know anything about it. Last time I new from the 2nd loan I owe $ XXXX. Lately I've been trying to negotiate an pay it they brought me back and forth for 2.5 year and nothing.. now they're saying that they will sell my house so I pay them the loan now they are trying to charge me more than $ XXXX because I didn't pay the loan at all which is not truth I paid the loan to the first bank which was The XXXX XXXX  then later to XXXX XXXX XXXX XXXX etc etc.. when I did XXXX its when it stopped that why i thought it was included in the first loan. I don't think is fair that when I find out about the 2nd loan I've been negotiating with them and they didn't accept it now. They are not counting the time that I was paying the loan. I'm a hard working person my husband has been struggling with his health since XXXX of this year.. not able to work.. only me the one that is working and been responsible and paying all my bill.. please help me. I agree to pay what I owe but not triplicate the amount which I don't owe.. plus I never received a bill that was saying that I owe. Respectfuly, 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 2022-11-22 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: LendingPoint Holdings LLC
State: AZ

Complaint narrative:
Lendingpoint LLC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. This company has reported a supposed debt of {$14000.00} to the credit report in my name. I have never had any accounts with them. I called them and talked to XXXX. She informed me they have no account in my name. Account was opened XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have banked with USAA for over 33 years. USAA does not offer an online way to register a grievance over its banking services, so I am using this method. 

I utilized USAA 's Mobile Deposit service to deposit a {$10000.00} check on XX/XX/22. {$5000.00} was made available immediately and {$5000.00} was put on an administrative hold that would not be released until XX/XX/22 ( 7 days ). I was notified of this hold at time of deposit. 

Typically, banks use a hold to confirm funds are available to be withdrawn from the bank issuing the check. I contacted USAA on XX/XX/22 via a phone call to confirm the issuing bank had withdrawn the {$10000.00} on XX/XX/22 and to ask that the hold on my {$5000.00} be released. 

USAA 's agent told me that she was not able to release the {$5000.00} hold as USAA, at its discretion, has chosen to administer a 7 day hold without exception because I had a bounced check fee within the last 30 days. The agent said this was for my " financial protection '', which does not make sense. Being able to pay my bills protects me financially, and withholding half of my deposit for an entire week just because you can does not protect me. 

I understand banks can make their own deposit/withdrawal rules. However, a 7 day hold on half of {$10000.00} check seems an egregious and financially abusive response to a {$29.00} bounced check fee. USAA has the {$10000.00} from the issuing bank. This money is mine and I would like access to the remaining {$5000.00} now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CONST LLC
State: TX

Complaint narrative:
The company CONST LLC also known as XXXXXXXX  and XXXX has suddenly shut down with no explanation to investors. 
CONST LLC ( XXXX ) is a platform that operates like a HELOC loan for peer to peer lenders to connect with cryptocurrency portfolio holders. XXXX holders are able to receive a USD cash loan by placing cryptocurrency as collateral for their loan. The loan is funded by a pool of money from USD cash investors. 
CONST LLC ( XXXX ) portrayed to investors that their platform was unique because the collateral from borrowers would autosell in the cryptomarket if prices fell bellow 110 % of loan value. Automatically refunding USD to investors and any remaining collateral to the borrower. They touted {$0.00} loss on their platform since inception because of their collateral backed, XXXX approach. 
On XX/XX/XXXX the company went dark. They informed all website users XXXX XXXX ) that they couldn't operate business as normal and would communicate a solution in 10 days. However, they immediately deleted and scrubbed all social media and methods of customer service contact. They changed their address on their website from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I personally have {$36000.00} invested with the company. 
Their LLC business license number. California # XXXX Delaware XXXX : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-11-22 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: IL

Complaint narrative:
I never missed a deadline on these accounts. I never miss a payment on a loan. This is a mistaken report, in my opinion. Please amend the report 's error and check the following 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 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BofA in XXXX XXXX XXXX XXXX branch allowed some one to do a teller transaction for XXXX dollars on XX/XX/XXXX or XX/XX/XXXX and won't give me money back or let me see the footage not even the signatures My name is XXXX XXXX ss # 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 monetary relief
Consumer complaint received 2022-11-22 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: IL

Complaint narrative:
I never missed a deadline on these accounts. I never miss a payment on a loan. This is a mistaken report, in my opinion. Please amend the report 's error and check the following 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 non-monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
My brick was messed up from the hurricane in XXXX of XXXX My lawyer got us a settlement and my portion of it was $ XXXX. I received $ XXXX. This new mortgage company that took over in XXXX has held the remaining XXXX XXXXXXXX requesting other repair documentation before releasing funds. I explained that this was a settlement and not just a repair check. Now its almost two months and they arent budging. I requested to hire an inspector but they need documentation first. I still owe my brick contractor $ XXXX and he will put a lien on my house if something dont happen soon.

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 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I wasnt able to use my Cash App card, because they said suspicious activity! I transferred {$200.00} from my bank account which is connected to Cash App! So where is the suspicious activity? After I asked how is that suspicious activity, then Cash App begins that they need proof of where I live! They said I could send in my Drivers License or ID and I did! That wasnt good enough! I address on my Drivers license is the same as my Cash App account! Now its you live in a Hotel, I need something with a Letter head saying you live there! I send in this piece of info and its still not good enough! Mind you this is a rooming house now and theres plenty of other people living here with Cash App cards and they are not going thru this issue! I have been constantly paying fees to them because I have to cash out my money because I cant use my card! I also purchased a new card from them and cant use it, yet they wont refund my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: NJ

Complaint narrative:
Dear EXPERIAN, XXXX XXXX, XXXX XXXX XXXX  There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting the the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXXXX/XX/2017, XXXX XXXXXXXX XXXX XX/XX/2017 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

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 non-monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are multiple inquires on my credit report from companies that were not authorized by me i do not recognize these inquires and are affecting my credit negatively XXXX XXXX XXXX XXXX  requested credit report Creditor info : 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 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 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 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 XXXX  These are all unrecognized inquires and they are affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
Genisisfs card services is the name of company. 

XXXX - XX/XX/2022 for XXXX. 

I reported the charge and disputed it, they contacted this fake company and got sent an incomplete invoice of purchase showing my personal info and this invoice was missing shipping/tracking numbers, shipping carrier etc. and they supposedly shipped this product to my house. Usps has no record of the shipment or it being shipped and they were supposedly used to ship it. 

This company has shot my complaint back twice and still insists I purchased this product Ive never heard of or would ever use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX 

XXXX XXXX Has Violated My Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
Please refer to complaint XXXX SUBMITTED ON XX/XX/2022 Started the process of a loan modification recast on XXXX XXXX XXXX XXXXXXXX XXXX in XXXX with a one time payment of {$200000.00} that was posted XX/XX/2022. We were told the process of the recast would take a few months. As the process started, BSI Financial customer service including XXXX XXXX ( via secure messaging ) reached out that we needed the escrow balance to paid in full to cover for insurance and property taxes. The escrow payments were paid immediately, same day as we received notice ... and then we waited. The wait on response carried on from between XXXX then we received email notification that the documents would be sent out via XXXX  for signature to complete the recast process. We were also provided the new mortgage payment amount of {$1800.00}. We waited for documents but no documents were received. We would respond to XXXX XXXX and customer care at least once a week for a status update. As time went on, we remained patient. No response, no documents, and the email communication with XXXX XXXX was silence. As I write this on XX/XX/2022 no response, no emails, no calls from anyone from BSI financial. We do make best effort to call a few times a week, hoping to talk with XXXX XXXX, his supervisor XXXX XXXX, or their manager XXXX XXXX. XXXX XXXX was the assigned agent when we started the process in XXXX, XXXX. To this day, we have been making monthly payment in the amount of {$1800.00} but are anxious-worried about the recast not being finalized and perhaps we can help others in the same situation. Sincerely, XXXX XXXX XXXX XXXX Mobile XXXX Property Address XXXX XXXX XXXX XXXX. XXXX, XXXX  XXXX An attachment was posted on the previous complaint but we are unable to open the file. The mortgage company has not reached out or resolved the loan modification since starting the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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