vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America refused to connect me with one of their loan officer 's to explain what our options are regarding our mortgage. A refinance at a significantly lower interest rate in today 's completive market. I have been paying for 24 years on our house and it is still not paid for

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 2021-06-17 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: GA

Complaint narrative:
These CRAs are currently reporting a false and invalid account on my report. The account in question is NOT mine and I have proof.

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 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
During XXXX of 2021 my bank account was hacked and close to {$1200.00} was transferred out without my knowledge. The theft was accomplished through Google 's automated payment system that links XXXX account to XXXX XXXX. In order to make purchases from XXXX XXXX, Google requires a Bank account/debit card/credit card linked to the email account. After being able to log in to the email account the perpetrators were able to accept a device through email as legitimate, and therefore authorized to conduct various financial transactions on XXXX XXXX. If an automated notification regarding unknown device ever was sent, it was accepted and subsequently deleted without my knowledge. 
After filing a fraud report with Google, I closed the account, canceled the debit card and notified my bank, XXXX. The bank debited my account ( cash/bank is an ASSET account, normal balance is DEBIT ), assuming until the matter was resolved. 
After some time ( 10 to 14 days ) Google denied my claim, claiming " the purchases were made using an email account with all the correct information '' XXXX XXXX removed ( credited ) the abovementioned cash from my account WITHOUT NOTIFING ME FIRST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: NJ

Complaint narrative:
Multiple accounts on my credit report I do not recognize

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 2021-06-17 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: NJ

Complaint narrative:
Multiple accounts on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Bepensa Capital, Inc.
State: TX

Complaint narrative:
ASF Acceptance Llc has an account that was fraudulently obtain in my name in the amount of {$11000.00}. I have reached out to the above mention company for several years upon being aware that I was a victim of fraud. I have emailed supporting documents, I would also like for this to be removed from all three credit report bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Husband contacted SunTrust regarding a vehicle loan in XX/XX/2021. He asked for Covid relief for 3 months due to his job loss. He was told he could have up to 6 months payment suspension. 

SunTrust claims they never received a call regarding the loan. On XX/XX/2021, the vehicle was repossessed due to nonpayment. No one ever contacted us to ask about the missing payments or sent any written notices. Should this have been handled properly, a repossession would not have happened or have been needed. Now my husband is going to have this on his credit report. 

He lost his job and asked for 3 months to not make a payment. Because of SunTrust 's poorly led operations, we are now having to shell out over {$3000.00} to pay for the late payments, fees, and a repossession fee. Not to mention, we have to pay a tow company for the towing and storage.

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 2021-06-17 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
JPMCB XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX DE XXXX has not sent me a wet ink signature to validate the alleged account they say I have with them. 

I have sent numerous certified letters to this company asking for a contract ; an account number, ( i do not have one ), and an immediate deletion of ANY notation or listed item on ANY credit report ( s ) that they utilize.

I have received nothing!

This is extremely injurious to my credit score an
d credit reports ; harmful to my reputation ; stopping me from buying a house, car or other credit products, and is a violation of several state and federal laws! ( FRCA, FDCPA, state laws in Missouri to name a few ). 

I need this item removed from my credit reports ; XXXX, XXXX, XXXX etc IMMEDIATELY! 

XXXX has already deleted this item because it was not verified. 

What is wrong with the other credit reporting agencies? 

To date they have not responded except to say they verified the alleged debt through " parroting ''! This is also illegal! 

DELETE THIS ACCOUNT IMMEDIATELY! My next step is a lawsuit AND I have informed them of this also!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I received a collection notice from American Coradius, International, LLC trying to collect on an account listed as XXXX XXXX ( not kidding ) that somehow was attached to my name. The company was listed as having a physical address of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, NY. I checked on XXXX and it appears to be a storefront of sorts without much more heft. They listed an account from XXXX XXXX  which I have never done business with and when looking for their physical address found four locations. Apparently they used to be XXXX XXXX loans and their CEO XXXX XXXX left XXXX when it separated itself from XXXX. XXXX apparently bought all of XXXX 's credit accounts but I have never used XXXX  either. There was no information as to what I had supposedly purchased, or when, or from whom and what makes this particularly absurd is that someone processed the account under the name XXXX XXXX XXXX. When I was a XXXX XXXX XXXX for XXXX XXXX my signature was good for {$25000.00} and it would be appropriate for whoever committed the fraud that started this all off should have the balance charged against their signature. As a bonus, whoever accepted the account from XXXX XXXX and American Coradius, International, LLC should also be billed for the amount as a penalty for not even bothering to read the name on the account. I have no idea how that got any of my personal information to link the account. I'll leave that all up to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
This debt has been satisfied. I am receiving threatening phone calls from this lender- threatening to take me to court and ruin my credit if I do not make additional payments. I should not have to pay the same bill twice! Loan was for {$500.00} and already paid. Why are they still calling me? It is harassment and I need help to stop the harassment and recollection attempts for debt that is already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is still reporting a balance to XXXX  on a charged-off account that was settled. The account is being reported correctly to both XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is still reporting a balance to Experian on a charged-off account that was settled. The account is being reported correctly to both XXXX and 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 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Had an issue with my Citibank Double Cash credit card. Tried making purchases and it was getting declined and I was unable to use my available balance even though it was paid. This credit card advertises a benefit of XXXX XXXX cash back after making a purchase and payment. I called customer service with my issue and was told they would put a {$200.00} credit on my account to compensate me for the tangible loss I had putting more than $ XXXX in purchases on a different credit card. This did not happen. They only put {$100.00} credit on my account. Spoke to XXXX who declined to give his last name or employee number who told me there was nothing else they can do. This is contrary to Citibank telling me that {$200.00} would be refunded back to my credit card.

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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt that has already been addressed as part of an identity theft investigation, I've asked the credit reporting agency to rectify this issue they have deleted the inquiries associated with this account but non the account itself. Waiting for resolution

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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted the credit company about the false information that they were reporting on my reports. I feel that I am being taken advantage of and being bullied. The law clearly states that any false or inaccurate information must be removed immediately. I was never notified of any investigation. I will be forced to seek litigation if this can not be handled appropriately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted the credit company about the false information that they were reporting on my reports. I feel that I am being taken advantage of and being bullied. The law clearly states that any false or inaccurate information must be removed immediately. I was never notified of any investigation. I will be forced to seek litigation if this can not be handled appropriately

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 2021-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I had to file Ch XXXX bankruptcy in XX/XX/XXXX because my husband was unemployed from XXXX XXXX XX/XX/XXXX and I could not pay all of the bills on my income alone. He started working in XX/XX/XXXX and lost his job in XX/XX/XXXX. He applied for Unemployment but was denied because he had not worked long enough. From XX/XX/XXXX - XX/XX/XXXX my hours were decreased due to XXXX, and from XX/XX/XXXX - XX/XX/XXXX I had to go on XXXX and I fell off payroll and did not receive a paycheck at all! I used my stimulus checks and tax return to pay utilities and buy groceries, but I had nothing left! I was unable to pay my Ch XXXX payments and I contacted my attorney and informed him of the situation of my income. I received a letter from the courts last week stating my bankruptcy has been dismissed! 

Last week, I received a notice from Mr Coopers attorney, XXXX XXXX XXXX stating as of XX/XX/XXXX the protection for motion to stay was no longer in effect and I assume the foreclosure has restarted. I contacted Mr Cooper and told them that my attorney had not responded to me, and I was going to the bankruptcy courts to provide them verification I was unpaid for 3 full months because I was out on XXXX. However, I thought my forbearance did not expire until XX/XX/XXXX. The guy stated he would update the system and inform their attorney XXXX XXXX XXXX. On today, XXXX XXXX ( my bankruptcy attorney ) contacted me and said we have a court date for XX/XX/XXXX to reinstate my bankruptcy but the mortgage arrears will not be eligible to be included now?!?! I dont understand why not, and I told him as of XX/XX/XXXX I have been terminated from my job & I have applied for Unemployment. Online, it shows my mortgage is now behind over {$40000.00} and Mr Cooper is also charging me over {$5000.00} for their legal fees, inspections, and other expenses that I was not made aware of, nor did I agree to pay!! Hardest Hit of Alabama is no longer taking applications and I am trying to get an appointment with Consumer Credit Counseling or FHA to get mortgage assistance & help with my car note and other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On or about XXXX XXXX, a counterfeit check with a forged signature cleared our account at BB & T Due to transition in management, we were a bit behind and did not notice the fraudulent item listed on our Bank statement until XX/XX/2021, at which time we immediately notified the Bank XXXX 
Upon research, it was clear that the individual check was not one of our check stock and out of our number sequence, nor was the signature authorized when compared to the RESOLUTION on file with the Bank. However, the Bank has refused to own their mistake of paying an unauthorized item, which now presents harm to us in the amount of {$80000.00}. 
We feel the Bank has subjected us to Unfair Deceptive Act and Practices ( UDAAP ). We believe this practice to be UNFAIR in that the bank provided access to our funds in a significant amount to an unauthorized party. We believe that the Bank had a stronger transaction monitoring system, they would have been alerted to this unusual transaction. Since we normally transact by wire transfer, a large dollar item presented as a check should have alerted as an uncommon transaction for us requiring manual review. A manual review of previous checks would have alerted to a different check stock as well as a forged signature. 
The Bank also is DECEPTIVE in the protection they provide on negotiable items. Our RESOLUTION AND AGREEMENT FOR DEPOSIT ACCOUNT requires the company to provide the authorized names and SIGNATURES on the account, giving the impression that one is necessary ( which neither were in this instance ) to access our funds. 
The RESOLUTION further states that the Bank will only honor items " when signed or endorsed by an original or facsimile signature of any ONE authorized signor ''. In this instance, neither authorized signor signed the check that was honored by the Bank. 
We additionally believed that the Bank has likely covered fraud items before, even if notified beyond the time frame they are now saying we had to notice and report our fraudulent items. However, the Bank will not disclose any instances of past decisions that support or negate their decision in this matter. We find this to be not only deceptive, but certainly unfair to treat one account holder in a situation differently than another account holder. 
We would like an analysis of how the Bank has handled their negligence in paying counterfeit and forged items previously, and would like to see in the analysis if minority account holders are less likely to be favored by the Bank 's decision on accepting responsibility.

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 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank, whom I have now discovered is staffed by XXXX XXXX XXXXXXXX, such as my personal banker XXXX XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX, ( XXXX ) XXXX, apparently rejected a law firm retainer fee wire transfer of {$5000.00} transaction number XXXX on XX/XX/2021 sent on XX/XX/2021 from my former client XXXX XXXX from his account ending in XXXX to my account ending in XXXX because the wire was sent to my name, XXXX XXXX, who is the sole owner and XXXX  of my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 

In addition, the TD Bank rep who I spoke with on phone today also advised that TD Bank has apparently also been rejecting all deposits ( even checks ) paid to my name as the XXXX XXXX 

The biggest kicker of all is, that they have never told me when these " bounces '' or " returns '' have taken place, thus lulling me into a false sense of security wherein I duly and diligently perform the legal work, while not even getting me paid. 

Please urgently investigate and advise, as due to my feverish last minute estimates, these people have cost me/rejected tens of thousands of dollars paid to my account from XXXX who never even told me that this happened, but happily accepted my work anyway,.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
When filing my XXXX taxes my tax preparer inadvertently mixed up the last three numbers of my bank account. On XX/XX/XXXX Chase bank accepted my tax refund of {$1700.00} into an account that is not in my name, I do not know the name of the person to this day but I do have the account number and Chase confirmed it was in the other parties account. The IRS has placed multiple traces and requested to be sent the money back so a check can be issued to me. Chase still has not returned my {$1700.00} to the IRS despite them seeing the funds, the name on the check which does not match the name of the account holder, and even replied to the Department of Treasury on XX/XX/XXXX stating " Names do not match. Customer account is NSF. '' I have been going back and forth with Chase for years and still do not have my money. I've spoken to everyone I can possibly speak to within the company and no one has been willing or able to help, even the IRS has given up and states this is now a civil matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation