vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 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:
THE ACCOUNT LISTED IS A FRAUDULENT ACCOUNT AND IT DOES NOT BELONG TO ME ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND FILL OUT FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, 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 2020-10-06 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: FL

Complaint narrative:
THE ACCOUNT LISTED IS A FRAUDULENT ACCOUNT AND IT DOES NOT BELONG TO ME ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND FILL OUT FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian 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 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 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened my account in XX/XX/2020 w/a cash incentive if I were to have " recurring monthly direct deposits totaling at least {$500.00} from a third party to my HSBC Advance checking account for 3 consecutive calendar months from the second full calendar month after account opening. '' I made an initial deposit of {$100.00} to fund it, {$500.00} to increase my balance, and then {$250.00} thereafter. The offer indicated that I would " automatically receive the {$200.00} Welcome Deposit in my new HSBC Advance checking account approximately eight weeks after completing all qualifying activities. It's that simple. '' I began  inquiring in XXXX when I didn't see it paid. A few times I was told to wait a few more days and, if it had not been credited, to chat back so a ticket could be open. I thought the bonus was for {$450.00} and one of the chat representatives even corrected me that mine was for {$200.00} given my XXXX XXXX. I have chatted at least 7 different times and everyone either said I did qualify and to wait or that a ticket was opened to see why it had not posted. Today I chatted and was told that per ticket # XXXX I did not qualify because I did not open the account right. This is absurd, unprofessional, and I'm confident it is in violation of UDAAP. I opened the account from the promotional page within their website, so how am I to blame for any errors on their end?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing offered pandemic forbearance on my mortgage loan payments ( account # XXXX XXXX beginning with my XXXX, 2020 payment for three months, and then extended an additional 2 months, through XXXX, 2020. During that time, I had several conversations, which they informed me were recorded, acknowledging these arrangements, and with understanding that payments would be added to the back end of the loan. Moreover, we reached an agreement to modify the loan moving forward as well. At no time was there any discussion about paying the balance in full at the end of the forbearance period ; that would be very difficult, and very unreasonable to do under the circumstances. My conversations ALWAYS were with explicit understanding of the amount due being added to the loan.I was shocked to find that the payments were marked as 120 days past due on my credit reports, without any notification whatsoever. I have tried repeatedly to get someone at Specialized Loan to discuss this, and have left several messages to call me back, but no one has. Their negligence and complete lack of communication is costing me dearly in destroyed credit scores, and inability to conduct any business that involves borrowing 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 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Today, XX/XX/2020 at approximately XXXX I received a notification from Chase Bank of a XXXX transaction to the XXXX for membership. I realized that I selected the wrong tab and immediately called Chase Bank ( XXXX & XXXX ) to cancel the transaction so that I can pay the intended amount of XXXX. I called and bank multiple times ( XXXX & XXXX ) and spoke to different representations plus a supervisor after my original conversation to try and stop this transaction but each time the bank refused to stop the transaction and informed me that this matter needs to be resolved with the merchant. I have called the merchant multiple times but no one answered the phone and it was communicated to each representative that I spoke with. The only resolution that was communicated with me is that this is a matter for you and the merchant to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: MO

Complaint narrative:
My identity has been compromised and left unknown accounts on my credit file.These accounts are obviously derived from identity theft. Pease remove the following accounts. 

1 ) Dept of ED/ XXXX  {$11000.00} 2 ) Dept of ED/ XXXX   {$6800.00} 3 ) Dept of ED/ XXXX  {$12000.00} 4 ) Dept of ED/ XXXX  {$5800.00} 5 ) Dept of ED/ XXXX  {$10000.00} 6 ) Dept of ED/ XXXX  {$4500.00} 7 ) XXXX XXXX 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 2020-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a brand new car and went with Fifth Third Bank for my auto loan ( this is my third time using them ). Upon recovering my payment information ( LATE ) I asked to change my
due date to the XXXX  or XXXX  of the month. I am already a month ahead on

my payment so this was in no way an attempt to pay late. I was told I can not change my due date without a {$20.00} fee added to my loan. {$20.00} for a small change in a computer is absolutely unreasonable and unethical. Consumer beware! This company likes to nickel and dime over any minor change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BONDED ADJUSTMENT COMPANY
State: WA

Complaint narrative:
Bonded Adjustment has called family and friends only stating " it's a financial matter ''. The individuals who called refused to identify them selves or their company. I was told they used a threatening tone, rude, and passive aggressive language when telling an acquaintance I  needed to call them at XXXX. I XXXX  the number to find out who the person was and it came up under Bonded Adjustment.

I have had dealings with these people in the past and the old woman whom I spoke with told me they were going to garnish my wages and keep garnishing until they got all they are owed. She also stated it will take a while because they will continue to add interest to the unpaid portion.

I have received several calls in a day, multiple calls through the week from different numbers related to Bonded Adjustment. The identity  registered " UNKNOWN '. The calls seem to be more frequent since the plague has stricken the economy! In my opinion, if they were doing things legit, why do they feel they need conceal their identity? Also, they use the same tactics as scammers and identity thieves. If any response is " yes '' they take it and run with it makin

g the lives of consumers a living hell!! That is how they trapped me a few years ago when I answered a call " UNKNOWN ''. I
was asked my name, if the number called was mine, birth date and the woman hung up. The next thing I knew, my savings account was minimal. It took me a while to find Bonded Adjustment was in my account!! 

When I moved in to an apartment, I couldn't get power due to a bill I had forgotten about in the midst of moving. I tried to pay the power company but was told I had to pay Bonded Adjustment. When I called to pay the outstanding electric bill, the woman who answered would NOT accept the payment unless I paid in full from an account I had no knowledge of from several years prior. When I stated I need make my car payment, she responded " you better borrow some money, or find another way to make tour car payment or you won ; t have any power! '' They are still at it today using similar schemes and tactics a bit more advanced and updated with artificial intelligence!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC
State: AL

Complaint narrative:
I tried to contact JH portfolio to get verication of debt and have yet to receive any information from them. I tried for months to contact them but via phone and could never get anyone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
The credit card company is showing my account as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported. 
I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: SC

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX a XXXX XXXX had been taking money from my account, unauthorized by me. The increments started low, and went on 1 and 2 times per day. The increments increased in value over the month. The thief used a XXXX XXXX  such as XXXX  to make the transactions. The total equaled {$9800.00}. When I called Bank of America on XXXX first I filed a claim. I was told it will take 45-60 days. It took less than 10 days to make a determination on {$9800.00}. The main reason they denied was " it did not follow the typical fraud pattern '' Also they said it took me too long to report. Also, Bank of America did not send me one notice via text or any other communication suspecting fraudulent activity. with 46 transactions, sometimes 2 per day, equaling over {$400.00} dollars at one point.
After the claim was denied I was instructed by Bank of America to file a police report to be able to reopen the claim. I did so and opened the claim again. The claim was closed in a week and the same reasons were given. 
No one ever called me to discuss it or ask questions. Which I would think over 10k someone would call me in a real investigation. And they did not.

On XX/XX/202 I have called back to get an explanation and the opportunity to speak with someone with decision making capabilities. Thus far it has proven unsuccessful. I have been a Bank of America customer for 15 years. I trusted them with my money and it is clear they don't really care about me or my family. 

I am uncertain who to turn to in this situation as there is no way I can just let this go. Thank you for any help you can provide me and my family.

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 2020-10-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
With regard to my Chase Freedom credit card account number XXXX, I requested a COVID-related accommodation for a late payment but was denied. 

Chase Freedom is reporting to the credit reporting agencies ( CRAs ) a 30-day late payment for a missed payment between XX/XX/XXXX and XX/XX/XXXX. 

The late payment is COVID-related. At the time my mother-in-law was in a hospital in New Jersey for a XXXX XXXX XXXX when she contracted XXXX and remained sick for two months. During this time of anguish and uncertainty I completely lost track of the Chase Freedom account, but as soon as I realized that payment was late I immediately made payment in full on XX/XX/XXXX. 

I asked Chase to make a COVID-related accommodation pursuant to the CARES Act, but was denied on grounds that they can not make accommodations for past credit reporting. 

However, pursuant to the terms of the CARES Act, I am worse off having made full payment without requesting an accommodation than if I had first requested an accommodation and then made the payment. This is nonsensical. 

Per Cares Act, 15 USC section 1681s-2 ( a ) ( 1 ) ( F ) ( ii ) ( II ) ( bb ), if an account was delinquent before an accommodation is made and the account is brought current during the period of accommodation, then the information furnisher must report the account to the CRAs as current. 

Here, my account was delinquent. I missed a payment due to COVID illness in my family. I made complete payment before requesting an accommodation. Chase says they are obligated to continue reporting the account as 30-days late despite it being COVID-related, and despite CFPB guidance for lenders to work constructively with borrowers affected by COVID, ( per CFPB guidance dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). 

Meanwhile, if I had not made the payment and remained delinquent, then requested an accommodation from Chase while still delinquent, then per the CARES Act section cited above I could have brought the account current and Chase would be required to report the account as current. 

I am being penalized for bringing the account current without having first asked for a CARES Act accommodation. This is an absurd and unfair result that contradicts the CFPB guidance that lenders accommodate borrowers affected by COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This summer I bought several items online, which I promptly returned. When I reviewed the next two statements, it appeared that Macys continued to charge me for one of the returned items. 

On XX/XX/XXXX, I called the Customer Service Department. The representative with whom I spoke agreed that the billing is confusing. After about 45 minutes, she finally was able to decipher the confusing billing. She explained that I was being charged late fees on a t-shirt I bought on line for {$19.00}. 

Once we clarified the confusion, I immediately arranged for an electronic payment of {$19.00}. I asked for a credit on the late fees because : ( 1 ) Macys own billing system is confusing and misleading to consumers ; and ( 2 ) I am a longtime customer and it is the right thing to do. 

Both the woman with whom I spoke and her manager told me they lacked authority to give me a full credit. They are third party billing agents, not Macys employees. The remaining fees after their adjustment is {$33.00}. I explained I planned to dispute that amount. 

On the same day, XX/XX/XXXX, I went to the Macys store in XXXX MA to return other items. When I tried to buy some other items, my Macys card was declined. The sales person gave me the enclosed receipt which incorrectly says my current balance is {$92.00}, almost 3 times the disputed amount. I checked my statement online yesterday and it remains unclear why the enclosed receipt says my card balance is {$92.00}. 

On XX/XX/XXXX, I wrote the address listed on the statement to dispute the divergent late fees. I did not receive a reply. 

On XX/XX/XXXX, I called Customer Service again, who told me Macy 's has no record of my XX/XX/XXXX complaint. They gave me a new address for what they say is Corporate. Now my late fee is {$75.00}. The numbers keep changing. 

This sequence of events shows that Macys has a misleading, deceptive, confusing billing system. I want Macy 's to XXXX balance the bill.

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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE INQUIRIES LISTED BELOW ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER TO FILL SEVERAL FRAUDULENT APPLICATIONS IN MY NAME I DID NOT SUMMIT THESE APPLICATIONS 1.XXXX 2.US SM BUS ADMIN ODA 3.XXXX XXXX XXXX 4.XXXX XXXX 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 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I received an email notification to fund my new Account at BOA. I have accounts currently with them but did not request a new one. I contacted them on XX/XX/XXXX. Reported the issue was told it was opened inside a branch. Have not step foot in BOA in yrs. they sent me documents to fill out I sent them back. They posted the documents to the claim on XX/XX/XXXX. The account has been frozen and overdrawn since XX/XX/XXXX for almost XXXX dollars. I have been calling Bank of America once a week now and still no update. And now Im been told today that they dont know how the account was open and the Claim is still in process this has been going on for over a month now. This is now on my bank statements in which will hurt me in the long run to purchass a home

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 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020, I opened a checking account with Bank of America. I was looking for checking accounts with bonuses and found the Bank of America XXXX plus banking. The XXXX  to get the {$100.00} was that I had to do certain direct deposits from my employer, which I did right away and I still receiving my salary in my Bank of America account. I called them a month after I opened the account and they told me I had to wait 60 days and I would get the {$100.00}. After 60 days nothing happened and called again. When I called back in XXXX they said they couldnt find any promotion in my account I fell so disappointed they lied to me every time I call I get different information. I called today and they cant even find the record that I called before. I called like 6 times. Please help

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 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Angel Oak Home Loans LLC
State: TX

Complaint narrative:
Applying to refinance through Angel Oak Home Loans out of XXXX. I gave all of my info required for the loan. 

I have great credit, income, job history etc. In addition, the refi is for way less than the home is worth. The loan was so basic that a survey and appraisal was not even needed. Even though it has been over two months, all was progressing all be it slowly. I was given two fake closing dates and no details of where etc. One was even on a federal holiday.

All was at least proceeding until I pointed out inappropriate charge in the closing document. I was being charged {$450.00} for the survey  that I actually supplied to them. That was on XX/XX/29. After that, they stopped communicating. I have called/emailed and even tried reaching out to a manager and no one will respond. At this point, they have all my private information, committed to a locked interest rate and have  run my credit etc. I am not sure if there is not some fraud going on here and/or identity theft. 

I provided anything that was asked of me nearly immediately with the exception of the survey and that was 24 hours.

Company response to consumer: Closed with explanation