vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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:
Bank of America administers the debit card for the California Employment Development Department. When EDD pays unemployment benefits to the card, the funds can be withdrawn, transferred and/or the card may be used as a debit card at any merchant that accepts Visa. Bank of America is preventing monies paid to me by EDD. Bank of America will not allow withdraw, transfer, nor card usage at merchants. Contacting Bank of America seven times in 3 days regarding this issue results in seven wildly different reasons for their block access to funds that I believe to be owned by me. From " your account is closed ' to " there's a block on your card '' to " we removed the block ( 3 times ) and you are good to spend or withdraw '' to " we need to transfer you to our 'risk ' department. '' None of these claims being accurate or true. However, the complaint is not specifically for the above mentioned issue. The complaint is for the staggering lack of accountability held to the customer service representatives. And for the stunning absence of any person overseeing both the performance and behavior of the CSRs. Six additional calls placed with 76 minutes of audio documentation taken by me with the only purpose being the simple request to speak with any supervisor that would accept my call. Not one of those calls resulted in my speaking with a supervisor despite my clear and respectfully toned request to reach a supervisor. Four of the six call audio recordings show being transferred to a number which rings infinitely for up to 45 minutes, and the remaining two calls and requests were met with 30 minute holds while the CSR attempted to find a supervisor. Each were eventually simply disconnected rather after the 30 minutes of hold time by either the CSR or the Supervisor. Bank of America holds not only my CA EDD UI benefits on behalf of EDD, funds paid to me, Bank of America also holds my business funds and personal checking and savings. What is going on at Bank of America. Who is running the company?

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 2021-03-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
1. What we thought was a 30 year mortgage was a 15 balloon mortgage that matured last XXXX during Covid Crisis.

2, BMO holds our mortgage and we have tried to secure a refinance, but they say we are behind in our monthly rent. We were not.

3. We have been paying our monthly rent up to XXXX and they stopped talking our money. When I asked why, no one knew, in fact four supervisors said, " I have not seen anything like this before ''.

4. We are trying their loan Mitigation, we gave them paperwork they asked form, but they want more, in the meantime, BMO is ready to foreclose on our house.

5. Loan Mitigation knows we have the money to pay the rent each month, I believe they are stalling.

6. Can you help, we do not want to lose our house, we can pay the monthly rent, we just need to refinance!

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 2021-03-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. Dept Of Ed/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: KY

Complaint narrative:
I used the app called Cash App ( owned by Square inc ) I opened it years ago and it fell to the wayside, but I had purchased digital currency. I recently was reminded about the account which is tied to my email still, I went to gain access to my account and while the email code to verify my identity was successful, my banking information was incorrect as I no longer banked with XXXX XXXX XXXX XXXX nor was my phone number correct because years had passed and I no longer had that phone number to get a pass code, I reached out to the cashapo support and since they don't have a phone support I had an email ticket and kept being round Robin to numerous support specialist who kept asking me the same thing over and over again and ultimately they wouldn't give me access to my old account even though I could verify other bits of PII that would verify who I am. This is highly frustrating and this company has a reputation today of being difficult but I feel that they have a way to verify who I am and let me access my old account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

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 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I checked my credit report. Only to find lots of incorrect and fraudulent information on my credit report. I immediately called Transunion, XXXX XXXX XXXX to have the inaccurate and fraudulent information removed. I was informed to put something in writing, along with a FTC report that needed to be submitted, my Drivers License, and one current piece of mail to validate my true identity along with address. I followed the direct orders give by each representative and nothing has changed on my report. I mailed another letter on XX/XX/2021 with another request to have the inaccurate items removed, along with their Method of Verification. I got my credit reports on XX/XX/2021 from Transunion, XX/XX/2021 from XXXX  stating their fraud department flagged my documents as fraudulent. I am just disappointed and upset the system they are using to verify documents is out dated and is causing my credit integrity to be compromised. They have disregarded the consumer laws and have shown a lack of correct reporting.

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 2021-03-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
XX/XX/XXXX Substitute Parties Motion Granted from XXXX XXXX to XXXX XXXX XXXX XXXX which upon information and belief engaged in " Theft by Deception ''. 

XX/XX/XXXX Foreclosure Motion for Summary Judgment Granted for Principal Balance ; Interest from XX/XX/XXXX plus per diem {$8.00} ; Escrow Advances ; Fees ; Corporate Advances ; Suspense Balance ; reasonable counsel fees. 

XX/XX/XXXX XXXX XXXX stayed by attorney for loss mitigation with servicer. 

XX/XX/XXXX Entered into a trial modification agreement requiring an initial payment in the amount of {$7400.00} and six additional monthly payments through XX/XX/XXXX in the amount of {$970.00} which is an amount well in excess of regular monthly payment of {$630.00}. 

XX/XX/XXXX Trial modification completed and non-performance of permanent modification agreement by XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX letter to CFPB Complaint states, " While XXXXXXXX XXXX as Trustee may be identified as the nominal mortgage owner, and XXXX appear on certain foreclosure or other documents, as RMBS trustee, we have no authority to review and/or approve or disapprove of these decisions and actions. '' XX/XX/XXXX Loan allegedly sold to new investor owner however, no instrument at Recorder of Deeds. 

XX/XX/XXXX Notice of Sale of Ownership of Mortgage Loan sent by servicer. 

XX/XX/XXXX XXXX XXXX monthly payment in accordance with trial modification agreement with total payments in the amount of {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I contacted experian and other 2 major credit reporting agencies and told them my defaulted student loan could not be used negatively against me for 2 reasons, # 1, my repayment loan page says 0 dollars is owed every month, # 2, All student aid repayment has been suspended for a couple years and nothing is owed currently, the irs in person and on phone agreed they shouldn't be allowed to.

After disputing with them they refused to correct this issue, which is still negatively affecting my credit.

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 2021-03-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I checked my credit report. Only to find lots of incorrect and fraudulent information on my credit report. I immediately called XXXX Equifax, and XXXX to have the inaccurate and fraudulent information removed. I was informed to put something in writing, along with a FTC report that needed to be submitted, my Drivers License, and one current piece of mail to validate my true identity along with address. I followed the direct orders give by each representative and nothing has changed on my report. I mailed another letter on XX/XX/2021 with another request to have the inaccurate items removed, along with their Method of Verification. I got my credit reports on XX/XX/2021 from XXXX, XX/XX/2021 from XXXX stating their fraud department flagged my documents as fraudulent. I am just disappointed and upset the system they are using to verify documents is out dated and is causing my credit integrity to be compromised. They have disregarded the consumer laws and have shown a lack of correct reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I rented a house that continued to have all types of problems, the biggest was the AC. I live in Florida and have children and had called several times about the AC not working properly. They would have people come out and try to fix it but in the long run it was never fixed. The AC caused flooding in my home which then caused issues to my health. I could no longer be in the house due to my XXXX  would feel like it was on XXXX. I had XXXX XXXX and all other sorts of issues due to the wet floors. I took video 's of the problems all of which the company has. I had no choice but to move out for the health of my children and myself. When I received the notice of what they stated I owed I was shocked. After communicating with XXXX from XXXX XXXX on several occasions of all the repairs they still have the nerve to tell me I owe them over {$4000.00}. I can not believe what a scam this is. I was willing to settle this but they told me NO. I had no choice but to move out! I packed up my children the day I could no longer handle the XXXX XXXX XXXX XXXX and had to live a a place that didn't even have fully built just to get my children away from the bad health environment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have made all payments on time. Due to an error with Home Depots payment systems, instead of spreading my two separately made payment across me two accounts they consolidated the payments to one account. This action made both accounts late. Once late, Citi bank continues to lower my available credit thus hurting my score by 80+ point or more over just a few weeks. I have contacted Citi Bank through Home Depot financial services and they refuse to resolve the issue. I have never missed a payment. My credit score was in the XXXX range an now sits at a bleak XXXX. This kind of thing cant just be happening to me. Amid the pandemic, as we get toward the end, big companies like Citi Bank ( who we bailed out with tax dollars ) should not be treating people in this way. It has effected my ability to seek employment opportunities, receive XXXX XXXX, and opportunities to make income to further pay off debts and basic needs. 

As a combat veteran I sincerely hope that you are able to assist me as well as go after Citi Bank and these actions on others as I am assured Im not the only one.

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 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have made all payments on time. Due to an error with XXXX XXXX payment systems, instead of spreading my two separately made payment across me two accounts they consolidated the payments to one account. This action made both accounts late. Once late, XXXX XXXX continues to lower my available credit thus hurting my score by XXXX point or more over just a few weeks. I have contacted XXXX XXXX through XXXX XXXX financial services and they refuse to resolve the issue. I have never missed a payment. My credit score was in the XXXX range an now sits at a bleak XXXX. This kind of thing cant just be happening to me. Amid the pandemic, as we get toward the end, big companies like XXXX XXXX ( who we bailed out with tax dollars ) should not be treating people in this way. It has effected my ability to seek employment opportunities, receive XXXX XXXX, and opportunities to make income to further pay off debts and basic needs. 

As a XXXX XXXX I sincerely hope that you are able to assist me as well as go after XXXX XXXX and these actions on others as I am assured Im not the only one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BULBUL INVESTMENTS LLC
State: NY

Complaint narrative:
I would like to re-open the case XXXX. 
The company did not complete the transactions as stated in their response from XX/XX/2021. 
It has been over two months since you received the following response and nothing happened. 

Company 's Response Dear XXXX XXXX and CFPB Team, We have reviewed your complaint carefully and identified the root cause of the issue, as well as a resolution that we hope you will find satisfactory. XXXX XXXX requested closure of his account on our platform and transfer of his remaining XXXX to a destination wallet hosted by " XXXX ''. Under the current XXXX record keeping and funds travel rule ( FTR ) regulations, XXXX companies must collect, retain, and transmit information related to funds transfers over {$3000.00} to all companies involved in a transfer. We have made multiple attempts to contact the destination XXXX company and file a FTR for XXXX XXXX through phone, email, letter, and helpdesk requests, but have not received any response. As a result, XXXX XXXX is among our final few pending customers. We have been in communication with XXXX XXXX throughout this issue. To resolve this complaint, we have notified XXXX regarding the XXXX filing problem and scheduled XXXX XXXX 's XXXX XXXX transfer in full. Sincerely, XXXX DESCRIPTION OF NON-MONETARY RELIEF Dear XXXX XXXX and CFPB, To address your complaint, we have queued up your full remaining balance of XXXX XXXX to be transferred to the XXXX address provided by you. We will update this answer with a transaction confirmation ID as soon as your balance transfer transactions are confirmed by the XXXX network. Sincerely, XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JFQ Lending, LLC
State: NY

Complaint narrative:
got a very misleading letter in the mail from a lender

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to Equifax in reference to some unauthorized inquiries on my credit report. I have a fraud alert as well as a police report on file with Equifax. The sent me the results the same day stating the inquires are indeed done by me. 

They couldn't have investigated that and got results in 1 day. I have a right to a valid investigation and Equifax has refused to do so. 

The inquires are listed below : 1. XX/XX/XXXXXXXX XXXX  2. XX/XX/XXXX XXXX XXXX XXXX XXXX 3. XX/XX/XXXX XXXX XXXX XXXX XXXX 4. XX/XX/XXXX XXXX 5. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 6. XX/XX/XXXXXXXX XXXX 7. XX/XX/XXXXXXXX XXXX 8. XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation