vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XX/XX/2022 at around XXXX XXXX Pacific time Bank of America took {$1000.00} from my account. I I am mediately became aware of the situation within minutes of the error made by Bank of America due to the fact of needing the funds for rent. Moments after this happen I immediately contacted the bank in hopes they can spot the air since it was solely in their responsibility and hopes they would take care of me without any problems. That of course did not happen quite as I intended, hence why I am filing the complaint, Bringing this lack of a Concern and service Bank of America gave to me to you guys the professionals obviously to make sure I get my money back up of course but as well as to enlighten you on this negative experience and wrongdoing a Bank of America. I know Im not the only one so I am doing this for all the concerns and hopes that these kind of things wont be so impactful on innocent civilians who are working dollar for dollar just trying to get by. It also does not help that two days prior of this happening I had gotten My tests back for XXXX resulting in a positive test. Unfortunately I had low energy and no desire to try and get through to the customer service line although that is exactly what I had to do I am not happy and I feel like me being individual in the bank being a big corporation I was looked over and not cared about. Ive been out of work for over a week now due to XXXX it will continue to be out of work for the next eight days taking a big toll on my income and my living situation as well unfortunately. I am still sick matter of fact I can not go into a Bank of America in a physical way Due to the obligation I have to fellow citizens XXXX XXXX XXXX XXXX XXXX If I didnt feel This being important or the need to file a complaint I would not even have called the number listed under the XXXX website. Now that I got my voice in my concern and situation above I feel a little bit better about the next couple weeks have something actually happening for me. Again this is about Bank of America stadium that {$1000.00} has been with withdrew from my account at the local branches ATM on XX/XX/2022 where the ATMs that whole day were NOT in service, NOT diapering cash for nobody. It should have been an easy error to navigate and correct since it was their own networks however it did not happen like that. I filed claim and what not but that all takes time and in my situation time is the last thing I would be able to afford for an error from this bank, and making me have to struggle at times like this should not be tolerated.

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 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022 and XX/XX/2022, someone accessed my card to send themselves {$1500.00} and {$2400.00}. When i opened the dispute, the agent who helped me messed up and opened the dispute as non-fraud and put that i was scammed. that was not the case. i was even shipped a new debit card with same debit card number as the compromised card, but different expiration date. i called again and was given a brand new card number. another agent opened the case as fraud for me, but again was denied and i was given the reason to " handle the transaction with XXXX  ''. There was no transaction involved that i authorized. nothing here was authorized. I have appealed the case multiple times already thru email and fax, and have called multiple times spending hours on the phone waiting. i would just like my money back

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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, and it has definitely been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX / XXXX / {$11000.00} XXXX XXXX XXXX XXXX / {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Seteres some how got our loan. Me and my husband got divorced. I got a letter stating that on 2 occasions my signature was forged. I requested copies of forgery which I gave the address I needed them to go to and also to be faxed to the XXXX Illinois Police Department. They never faxed my request and they sent the documents to my x. So the police did nothing. Then they closed and I have still been trying to get the forged documents. Mr. Cooper supposably took our loan and I requested the documents from them. But they claimed that Seteres didnt give them those documents. I figured out who forged my name. And now I am going to file a suit. But at this point I am so tired of waiting forever. I need to put this behind me. My name is XXXX XXXX XXXX my home was XXXX XXXX XXXX XXXX XXXX Illinois XXXX. XXXX. I also received a gift of equity from my parents for the house which I was to receive back. In Illinois a gift of equity goes back to blood relative. Of course everything of my divorce and sale of the house took everything from me. I still need these documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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 AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. I DONT KNOW WHAT TO DO SO I AM WRITING YOU GUYS, HOPING I CAN GET SOME ASSISTANCE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) purchased loan from XXXX XXXX in XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX full payments were made. XXXX of XXXX I was contacted by XXXX and asked if I wanted to take part in Covid deferment plan offered by them. My wife was unsure of her work status due to the closures of the XXXX so we enrolled in the plan. It was explained to us that the payments missed would just be added to the end of the loan. In XX/XX/XXXX, loan was sold to XXXX XXXX XXXX. While with XXXX it was very difficult to communicate with them, nothing was done by email, all through USPS. When we could get someone on the phone, they would inform us that paperwork was in the mail. Tried to get out of the Covid relief, but agents would keep telling me that it was scheduled until XX/XX/XXXX, and I should wait until the program ended. XX/XX/XXXX finally got some correspondence from XXXX, cancelled deferment and was able to start making payments again. While in the process of restructuring that loan, it was sold again to Fay Servicing. I was never notified of the sale and who would be the new servicing agency. It wasn't until I went to make a payment to XXXX in XX/XX/XXXX that I found out it had been sold. After calling and finding out what company purchased the loan, I contacted Fay Servicing and had to have them set me up in their system. It took 3 months for Fay Servicing to activate the loan so I could continue payments in XX/XX/XXXX. I was under the impression that they were following what I was told from XXXX, deferred payments added to the back of the loan. When I found out they were restructuring the entire loan, I was not happy. My interest rate, payments and loan balance all increased. After 3-4 attempts trying to speak with my loan representative, I was finally able to get him to return my call. He informed me that this is how it works and there was nothing I could do about it, and that I shouldn't have let it go this far and I should have just kept making the payments. His advice was to wait the 5 months and refinance the loan. I waited the 5 months and tried to refinance. That's when I found out that Fay Servicing had reported that I was over 120 days late and my credit report was seriously impacted. I contacted Fay Servicing and asked that it be reviewed and have the credit report adjusted because the Covid Relief was not supposed to impact your credit negatively in any way and I was never late with any payments to Fay Servicing. I was making payments to them even though I was never contacted and informed of the sale of the mortgage and had to search them out on my own. They declined the request, when I asked for an explanation I was told it was declined by the review board, they felt that they had followed the correct procedure and the matter was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a text from who I thought was Chase Bank stating they had detected a unauthorized transaction on my account. Phone # it came from XXXX I checked my account didn't see any transactions so I didn't text back. An hour later I received a call from a Unknown # stating her name was XXXX from Chase ID # was XXXX. She told me I needed to verify my identity through my account on XXXX so they can stop the unauthorized charge from going through. She walked me through deactivating my XXXX account through Chase mobile app and activating it again. She told me to send XXXX to my Phone # on XXXX so she can verify who I am, I followed her instructions she then told me to do the same for my High School account. I followed her instructions again for {$470.00}. As soon as I sent the money to myself I thought, she hung up. I checked my accounts and they both showed {$0.00}. She had scammed me for all the money in my account. I called Chase right away and they filed a claim. The CSR from Chase advised me there is a 50/50 chance I will get my $ back and filing a police report will higher my chances.Chase account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: Global Lending Services LLC
State: FL

Complaint narrative:
While checking my credit report, I notice an account from Global Lending Services that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 30 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that Global Lending Services is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MoneyLion Inc.
State: TX

Complaint narrative:
A talk to an agent a month ago about a miss payment showing up my account. I was told " 'it is nothing to worry about and it will fix itself ''. A month later I still have a miss payment on my credit report. The late payment bringing down my credit and prevent me from purchasing a car. I need it right TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MI

Complaint narrative:
Immediately Delete all accounts listed in the attached FTC Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MI

Complaint narrative:
My federally protected consumer rights have been violated.

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 2022-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
The representative agreed to delete debt and has asked to send direct dispute. Debt has been removed and re-entered multiple times over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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 AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. I DONT KNOW WHAT TO DO SO I AM WRITING YOU GUYS, HOPING I CAN GET SOME ASSISTANCE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS.

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 2022-02-07 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 AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. I DONT KNOW WHAT TO DO SO I AM WRITING YOU GUYS, HOPING I CAN GET SOME ASSISTANCE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS.

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 2022-02-07 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: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 30 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2022-02-07 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: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 30 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: AR

Complaint narrative:
im trying to dispute info through transunion online XXXX i've gone through the steps to report my dispute unsucessfully both times ended in the following error : Dispute Temporarily Unavailable. 
Looks like theres a temporary error. 
What to do now : Please wait a few minutes and try again. Return to the Dispute Center. 
If this problem continues, you may choose to dispute by phone or mail. 
To report this error, contact our Website XXXX XXXXXXXX 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 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
This company keeps reporting that I owe this debt that was deleted prior from my credit report. XXXX is allowing them to do this repeatedly this was already. This Company went and bought the debt and refuses to delete from my file. XXXX is siding with the company to continue to ruin my credit. 


ABSOLUTE RESOLUTIONS I Original creditor : XXXX XXXX. 
{$810.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$810.00} {$810.00} Payment Info Original balance {$810.00} Balance {$810.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation