vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Made a mortgage payment to TIAA Bank on their website on XX/XX/XXXX ; payment XXXX {$2900.00} XXXX was withdrawn on XX/XX/XXXX but insufficient funds so returned to TIAA. Called TIAA to discuss issue with payment on XX/XX/XXXX and was told that the payment will be sent a second time to my bank, XXXX. Everything should be fine. Checked my bank account on XX/XX/XXXX and two payments were withdrawn from my account paid to Everbank ( TIAA ). I had only made one payment on the website. Called customer service at TIAA and was told it was an error on XXXX 's part. I called my banker who informed me that the error was from TIAA and to submit a dispute for the extra payment, which I did. I received a refund of one payment to my XXXX account ( from XXXX pending the dispute ). However, TIAA was showing that I did not make an XXXX payment. My bank account showed that it was withdrawn on XX/XX/XXXX. I called TIAA numerous times speaking to many different customer service reps to take care of the situation. Continued to receive letters and phone calls from TIAA regarding the delinquency of my account. I sent an email to the customer service department with verification of the deduction of my account on XXXX. Never received a reply. Received another call from TIAA on XXXX of delinquency of my account. I called again and explained what had happened. The customer service rep assured me that TIAA third party payor made a mistake and she promised to investigate and get back to me. She called back, informed me that the webpage would show my payment and would be no reporting to a credit bureau. On Friday, XX/XX/XXXX, checked TIAA bank ( still showing delinquent and no payment for XXXX XXXX and received an alert that my credit rating had changed because TIAA had reported my payment delinquent. I received a letter from TIAA that I had a customer service person to support me ... this person has never once answered the phone. Every time I call, another person takes care of the complaint. On XX/XX/XXXX, I check my bank account and the TIAA bank webpage still not showing an XXXX payment. I called TIAA again ... and on the advice of my banker, told them I would send a certified check for both the XXXX and XXXX payments since they had not yet figured out where my funds were. I overnighted the check, sent a letter of which is attached along with the verifications from my bank account showing what TIAA did or did not do. On XX/XX/XXXX, TIAA deducted a payment from my account ( which I did not authorize them to do XXXX. This is almost 30 days after my initial payment was made on XX/XX/XXXX. Hours of phone calls, numerous letters from TIAA bank on the delinquency of my account and a default notice later, this issue is still not resolved. I sent them the bank statements today along with a wire transfer to return my funds and still waiting on that to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: LA

Complaint narrative:
I have errors on my credit report that the credit bureas refuse the remove. I am coming to you to fix the problems that they won't address. Can you please help me. these errors are hurting my credit profile. I understand that covid-19 is major but that still doesn't give them the right to report inaccurate information on my credit report. They're are laws and they should still be followed.

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 2020-09-16 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: LEXISNEXIS
State: GA

Complaint narrative:
To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: ID Analytics, Inc.
State: GA

Complaint narrative:
To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: KEYCORP
State: NY

Complaint narrative:
Why is keybank using the same tactics to not answer my original questions. That's number 1, number 2 ... .and more importantly why is XXXX XXXX.. using the police tactic when In his Original candid remark he said he doesn't look into police reports ... number 3, my wife is not mentioned in the police report so why is she being banned too she has nothing to do with this number 4 ... XXXX XXXX I know it's hard to fathom the Mea culpa here, why is my wife being banned and she is not even mentioned in XXXX XXXX police report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: NV

Complaint narrative:
There is a medical bill that does not belong to me. Please remove it in its entirety. Additionally, there are inquiries on my credit report in which I did not allow without my permission. Remove that as well. 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 2020-09-16 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 am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: NY

Complaint narrative:
I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-09-16 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting a late for the month of XX/XX/2020. This payment was deferred due to Covid-19. The bank says that the bureau would remove the late after my dispute. The credit bureaus still have not removed the late.

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 2020-09-16 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting a late for the month of XX/XX/2020. This payment was deferred due to Covid-19. The bank says that the bureau would remove the late after my dispute. The credit bureaus still have not removed the late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX ET I received a text message Fraud Alert from XXXX XXXX ( Barclays ) informing me that a charge for {$1600.00} at XXXX XXXX XXXX was approved on my account and prompted me to verify if this charge was valid or fraud. I immediately contacted XXXX and informed them that I had not made the charge and requested that they also close the credit card account. On XX/XX/2020 a letter was issued to me from Barclays informing me that " the account has been closed due to suspicious activity and is pending an investigation. '' On XX/XX/2020 a letter was issued to me informing me that " this letter confirms that the fraud investigation has been completed ... After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity. '' On XX/XX/2020 a letter was issued to me informing me that " Our research has indicated that the transaction ( s ) is valid. The transaction ( s ) has therefore been placed back on your account. '' After receiving this letter on XX/XX/2020, I immediately called the number provided for the Fraud Investigation department ( XXXX ) and spoke to XXXX ID # XXXX She informed me that their investigation showed that the vendor was able to prove that the charge was credible, but would not tell me what exactly that meant. She went as far as to suggest that I just didn't remember making the charge. I requested to speak to a supervisor and was told by her that she would put in a request to have someone call within the next 7 to 10 days. I tried calling another phone number for Barclays customer service and was routed back to speak with the same person XXXX XXXX XXXX in the Fraud Investigation department.

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 2020-09-16 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: LA

Complaint narrative:
I have errors on my credit report that the credit bureas refuse the remove. I am coming to you to fix the problems that they won't address. Can you please help me. these errors are hurting my credit profile. I understand that covid-19 is major but that still doesn't give them the right to report inaccurate information on my credit report. They're are laws and they should still be followed.

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 2020-09-16 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: LA

Complaint narrative:
I have errors on my credit report that the credit bureas refuse the remove. I am coming to you to fix the problems that they won't address. Can you please help me. these errors are hurting my credit profile. I understand that covid-19 is major but that still doesn't give them the right to report inaccurate information on my credit report. They're are laws and they should still be followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-17 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
COMPLAINT ID XXXX COMPLAINT ID XXXX To whom it may concern, Referencing the above complaint IDs, I received the attached response/letter by Bank Of America stating that they have denied my request to refund my money back and that I should just contact the person who I sent the money to which is by far the most unacceptable response by BOA. 

They well understood that this contact number which I provided them the phone number which FTC has put a recording to indicate that this contact was harassing consumers with fraudulent identity to take payments from them and there is no way I can contact this person to get my money back so this is a joke by bank of america to state in their letter to contact this person which they knew was a fraudlent identity which they should have caught within their own banking system as stated in their service level agreement. 


As mentioned in the complaint ID XXXX in much details, BOA failed to follow their own service level agreements which stated per attached document I copied their print screen of service level agreement states that at times Network Banks will put a hold on a transaction to validate the identity of the sender or receiver to avoid fraud identities of sender or receiver. This wasn't done in this  case and BOA knows about many of these fraudulent XXXX transactions and yet haven't done much to protect their consumers and haven't follow their own service level agreement in place. 

They also told me that they have indicated on their site to only use XXXX for friends and family. Which by the way there is not such a direct and forceful statement nor content in place anywhere on their site. It is also noted that XXXX can be used by businesses, which also contradicts their own excuse that they have advised consumers to only use XXXX for friends and family. 

I need your help to get my {$700.00} dollars back from Bank Of America and please make sure to have this matter to be investigated for class action law suit against BOA who have introduce a system to their consumers that they can not provide protection against fraudulent identities which they have indicated in their own service level agreement as per attached.

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 2020-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I decided to refinance my vehicle with Westlake Financial. I received payoff check from XXXX XXXX overnighted to Westlake Financial. Westlake received on XX/XX/XXXX I called to verify. Representative told me that check had been received and to call back after XXXX of XXXX weekend to verify it had been processed which I did. The 2nd Representative told me she couldn't verify it was received after a week of going back and forth with Westlake I  stopped payment on the XXXX and mailed the payment off again. This time I kept the tracking information because after confirming the original check was received I discarded the tracking number. During this time I have been charged XXXX a day of interest and been giving misinformation from Westlake. Account number was written on original check because I wrote it and mailed it off. Check was not received XX/XX/XXXX it was received XX/XX/XXXX per tracking number.

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 2020-09-16 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: NV

Complaint narrative:
There is a medical bill that does not belong to me. Please remove it in its entirety. Additionally, there are inquiries on my credit report in which I did not allow without my permission. Remove that as well. 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 2020-09-16 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: NV

Complaint narrative:
There is a medical bill that does not belong to me. Please remove it in its entirety. Additionally, there are inquiries on my credit report in which I did not allow without my permission. Remove that as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CORELOGIC INC
State: GA

Complaint narrative:
CoreLogic Tax Services, LLC sent a letter with Case Number XXXX. It claims that they inadvertently reported our property address to the mortgage lender they service resulting in the payment of our property taxes. Further stating that these funds were considered a duplicate payment and refunded to our lender/servicer. Therefore that we received a refund and that they are requesting reimbursement in the amount of {$6700.00}. 
They asked that a check or money order be sent to their XXXX  XXXX  at XXXX XXXX XXXX, XXXX, TX XXXX or paid at https : //bill pay.corelogic.com The transaction showed their date of payment as XXXX2020 and cashed by the recipient on XX/XX/20 per the Check Image Provided. Whereas we received the refund in question on XXXX2020 thereby making their story invalid.

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 2020-09-17 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-17 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: VA

Complaint narrative:
I am looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.

Company response to consumer: Closed with explanation