vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd
State: CA

Complaint narrative:
On XX/XX/2020 I sent an ACH transfer from own personal Transferwise checking account to another bank account, also in my name. The funds were sent from Transferwises XXXX XXXX partner bank to my bank, perhaps incorrectly, and bounced back from the destination bank. The destination bank noted improper ACH instructions and confirmed they never got a hold of the funds. As a result, the funds are currently sitting at Transferwises partner bank. 

Throughout XXXX and XXXX and at least XXXX times, Ive been in contact with Transferwise, who continue to maintain that the only course of action is to wait because their partner is not responding to their recall requests. Effectively, Transferwise is not taking responsibility, nor exercising any sufficient oversight over their domestic banking partner, and are using their lack of banking license as a means of separating from the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I applied to open a Citibank Priority Checking and a Saving account on XX/XX/2021. I was approved online and I funded them with my other bank accounts. My funding account was deducted {$50000.00} the very next day. On XX/XX/2021, I received two letters Citibank mailed on the XXXX, saying they rejected my accounts application and would close all my accounts in 60 days, plus they will reject all my future applications as well. I called the Citibank New Checking Department and they don't know any detail of what lead to this situation and they won't do anything about it. 
Today is XX/XX/2021, I still haven't received the refund check and instead, I received two monthly statements from Citibank showing my account balance. 
For more than 80 days, I have no access to my fund, nor to my bank account information. All the communication attempts made by me have been declined by the Citibank New Checking Department. It's a nightmare, and I still couldn't see an end to this. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
My wife went to open a business account at Bank of America in XXXX, Utah. 

She was given a brochure that shows how an account says on the top no monthly service dee, but them at the bottom of that same account shows {$29.00} or $ XXXX monthly service fee if ... ... .. 

If an account is free of monthly fee at no condition then no monthly fee message should be disclosed, period. But if there are conditions, then they should say something like the bottom I mentioned before and not the plain no monthly fee option. 

It is a very misleading brochure.

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 2021-03-29 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Last year I had XXXX XX/XX/XXXX to XX/XX/XXXX of XXXX. I had a late payment with XXXX XXXX XXXX. I immediately had my aunt die out of state due to XXXX. I had to travel to take care of my grandmother. I was completely devastate by XXXX during this era of life. I asked XXXX to help with the late payment reported and they said there was nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: CL Holdings LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I received a message from phone number XXXX stating that if I did not call " XXXX XXXX XXXX '' back at XXXX then paperwork would be filed with the county XXXX  where I live. I called the number back and was put on the phone with a " XXXX XXXX '' ( direct number XXXX '' who was very rude. He was very quickly stating information that I owed {$1400.00} to Ace Cash Express and that if I did not pay in full today, not only would paperwork be filed with county XXXX, but I would also have criminal charges brought for " check fraud ''. Mr. XXXX repeatedly hung up on me ( five times ) when I tried to get more information from him. He claimed I was issued certified letters which I never received or signed for. He stated I was being evasive and abusive by asking further questions. Because of his threats and intimidation, I did agree to make payment. I was transferred to " XXXX XXXX '' phone number XXXX to make payment. She stated I would have to call my bank because the charge was being blocked for fraud. It was eventually put through and my card was charged for {$710.00}. I then received an email from " XXXX XXXX XXXX XXXX '' asking for an electronic signature for the payment agreement. This did not match where the numerous people on the phone stated they were calling from. When I check my bank account activity, the payment shows it was charged to " XXXX XXXX XXXX '', also not where anyone said they were calling from. Since none of these names matched up and I had not gotten email confirmation/receipt for my payment, I called back to ask for clarification on where I just paid. I was again transferred to Mr. XXXX. He hung up on me for the sixth time of the day when I asked for more information. I then called Ace Cash Express who let me know that I did in fact have a balance with them, but it was only {$280.00}, NOT {$1400.00} as stated by Mr. XXXX. They let me know they sold the account to a " XXXX XXXX XXXX  '' phone number XXXX. I called XXXX XXXX XXXX  who let me know they did not hire any mediation firm and were not even actively collecting on the account. They stated they certainly had no plans of filing court paperwork or attempting to file criminal charges. They asked me for the information on who just called me which I gave. XXXX XXXX XXXX  does not recognize " XXXX XXXX XXXX  '' as anyone they work with. They told me I was likely scammed. I then called Mr. XXXX back who did agree to refund my card, but stated he was filing court paperwork to " have me prosecuted '', called me an " XXXX '' then hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SHM Holdings, LLC
State: CA

Complaint narrative:
Ive been denied a {>= $1,000,000} mortgage refinance by strong home mortgage underwriters appraised at {$1.00} XXXX dollars because of my deffered compensation retirement income. I was told that my three remaining years was not enough to qualify for the loan. Im over XXXX XXXX XXXX and they did not use my XXXX income which is set up over a period of 23 years. I started the loan process beginning of XXXX of 2020 and locked in a 2.62 % loan. I was notified in the first week of XXXX that I was denied the loan. It took strong home mortgage underwriters five months to come to the decision to deny my loan. In the meantime interest rates have gone up. I really believe Ive been discriminated against because of my age. I have excellent credit more than enough retirement income and excellent cash flow and assets to have qualify for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: CO

Complaint narrative:
On or about Thursday my wallet and phone were taken by my step daughter and her boyfriend. While they had my phone they apparently applied for a loan through lending tree. My banking information was given out and XXXX was deposited into my checking account. I guess money was supposed to be sent back but was not able to do that. Now my bank account is locked. I don't believe this is a legit company. They asked for money to be XXXX XXXX back also gift cards to be purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, Bank of America took {$1400.00} out of my escrow account that was not to pay my Home Owners Insurance or my Real Estate Taxes, the only two bills I authorized them to pay. I did get refunded by the company they paid, but because I had other outstanding transactions with that company, it got confused and I never released it was a mistaken payment out of my escrow. I learned of the mistake when they increased my escrow to cover it months later. 
I specifically told the bank to never do that again and only pay the two bills authorized. 
On XX/XX/XXXX, they again paid an unauthorized bill from my account. This has become a pattern of behavior with them and they would take no responsibility. 
I am afraid that if a fraud artist gets my info, they will submit bills and Bank of America will pay them like they did these unauthorized bills and they will again take no responsibility. They keep doing it year after year, just randomly paying whatever they feel like. 
This is not the trust an escrow account is supposed to be about. I have sat on hold for hours trying to get this resolved ( they issue me request ticket numbers that are meaningless ) and no one fixes it or contacts me about it. I even went into the local branch and spoke to the branch manager but that did no good. 
I am at a loss as to what to do to protect myself from them taking out unauthorized money and giving it away. 
I think they need a wake up call and maybe fined for giving away my money.

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 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: NY

Complaint narrative:
i have received a call from a company by the name of XXXX . They initially called from XXXX on XX/XX/XXXX at XXXX. I called back to try and find out what the company was and why they were calling as i do not have any business with any companies called XXXX nor does this company sound familiar in any way. on XX/XX/XXXX told them i could not disclose my identity to them because i do not feel comfortable not knowing who they are calling on behalf of. They refused to disclose who they were calling on behalf of which they must do. I do not have to compromise my identity or ANY of my personal information to any company without knowing who the creditor is. I received a call from them again today from XXXX a rep answered the phone and again tried to trick me into identifying myself. I refused again and explained that i did not feel comfortable disclosing my identity until i knew who they were calling on behalf of which is outlined in FDCPA guidelines. The rep then transferred me to a supervisor, who was for lack of better word " XXXX '' and rude. She as a supervisor should know that before a client identifies themselves thy have the right to know the creditor. I explained to her that if she did not tell me who the creditor was i could not identify myself because there are far too many scams going on and i am not familiar with the business. She still refused and i then told her that i would make a complaint for the FDCPA violation she then hung the phone up on me because i refused to identify myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
XXXX XXXX XXXX and ChexSystems have negatively affected my Chex systems consumer report. Chex Systems is reporting an account closed by XXXX XXXX XXXX which is fraud. Chexsystems is fraudulently reporting a XXXX XXXX XXXX to an account closed under my name on 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 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Someone hacked my account. I have XXXX XXXX They got into my online banking and sent {$300.00} to a XXXX account. I I filed a complaint with my bank and with zelle. However, I was unsuccessful with getting my money back. My bank told me there is nothing they can do. I feel so helpless knowing someone stole my money and I have yet to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I sent a certified letter requesting debt validation and was send a letter stating " no further investigation is required under section 12 c.f.r. 1022.43 ( f ) of the FCRA '' I have been told that I am not able to receive the validation I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: CA

Complaint narrative:
Credit bureaus reporting XXXX XXXX XXXX FOR {$880.00}. I sent my first dispute letter to all 3 credit bureaus on XX/XX/2020, the 2nd letter on XX/XX/2020, XXXX letter XX/XX/2020 and 4th letter sent on XX/XX/2020. Each letter sent was certified mail with affidavits attaches each time. I was challenging the validity of account for a XXXX XXXX account. I started with the credit bureaus ask them to validate the information and every time they stated correct but never provided any information just would update the remarks on credit report as meets standards. I also reached out to the collection company filing a debt verification on XX/XX/2020 and asked them to verify the debt but after 30 days no response from XXXX XXXX. Attached you will tracking information of letter being sent certified to XXXX XXXX with return receipt. while looking at my accounts I noticed that the " Dates Open : varied on credit report and " Dates last active '' also vary on my credit report. I believe I have exhausted all my resources and have not received a sufficient response from collection agency or credit bureaus. At any point during my request has anyone provided any information or updated me properly on what was found so I could understand why this account is valid. At this point I'm trying to purchase a home and improve my credit situation but as I reach out to the credit bureaus I have receive no assistance.

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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit bureaus reporting XXXX XXXX XXXX FOR {$880.00}. I sent my first dispute letter to all 3 credit bureaus on XX/XX/2020, the 2nd letter on XX/XX/2020, XXXX letter XX/XX/2020 and 4th letter sent on XX/XX/2020. Each letter sent was certified mail with affidavits attaches each time. I was challenging the validity of account for a XXXX XXXX account. I started with the credit bureaus ask them to validate the information and every time they stated correct but never provided any information just would update the remarks on credit report as meets standards. I also reached out to the collection company filing a debt verification on XX/XX/2020 and asked them to verify the debt but after 30 days no response from XXXX XXXX. Attached you will tracking information of letter being sent certified to XXXX XXXX  with return receipt. while looking at my accounts I noticed that the " Dates Open : varied on credit report and " Dates last active '' also vary on my credit report. I believe I have exhausted all my resources and have not received a sufficient response from collection agency or credit bureaus. At any point during my request has anyone provided any information or updated me properly on what was found so I could understand why this account is valid. At this point I'm trying to purchase a home and improve my credit situation but as I reach out to the credit bureaus I have receive no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I made a purchase at XXXX # XXXX in XXXX in the amount of {$80.00}, and proceed to go home. After arriving I received a Low Balance alert from the XXXX Bank of America account. After logging in to my account I noticed someone had requested an ATM Balance Inquiry, and proceeded to withdraw {$1000.00}. I immediately contacted Bank of America and they opened a complaint XXXX XXXX XXXX XXXX ). After repeatedly contacting Bank of America about this complaint, I was informed today XX/XX/2021 that they were closing the complaint, and it was my responsibility for the loss of funds ( {$1000.00} ). This is a widespread issue with Bank of America XXXX cards and accounts, and I wish to have this resolved with me receiving my funds ( {$1000.00} ).

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 2021-03-29 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
THE FOLLOW ACCOUNTS HAVE ALSO BEEN AFFECTED BY THIS CRIME XXXXXX/XX/XXXX XXXX # XXXX. 
WYNDHAM XXXX XXXX  # XXXX. 
XXXX XXXX XXXX. 
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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