vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 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: NV

Complaint narrative:
I received a fraudulent text claiming to be Bank of America at XXXX on XX/XX/2022. This text was asking if I had made a {$3500.00} XXXX transfer. I immediately located Bank of America 's fraud support from their mobile app. I was placed on a callback list because all representatives were busy. I was waiting for the callback, and received XXXX from the same phone number that I had called before. I believed that the person I was speaking to was a Bank of America representative. They asked for me to verify my phone number, name, and recent transactions. They then walked me through a XXXX transaction. At this point I began to ask questions because this is not standard. While under the impression that they were a legitimate representative of Bank of America, {$1200.00} was taken from my account. I later realized it was fraudulent and contacted Bank of America 's fraud department once again, and scheduled an in-person appointment at a local branch. My claim number is XXXX. 

I'm filing a CFPB case because Bank of America has given the impression that nothing can be done on their end and that an investigation would take up to 45 days. I believe this is contradictory to Regulation E of the Electronic Fund Transfer Act which states that a financial institution must complete their investigation in 10 days and correct the error within 1 day of completing their investigation. I'm hopeful that the CFPB can help enforce this statute and resolve my fraud claim.

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 2022-10-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act.

These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MS

Complaint narrative:
Each time I use my card to make payment to XXXX  my information is used to make unauthorized purchases. Recently on XXXX XXXX I received a call from XXXX 's XXXX asking me to confirm a purchase, the agent and I agreed that it was a fraud purchase. I contacted my card company after speaking with the XXXX 's XXXX agent to advise them that the charges were not authorized, the XXXX agent cancelled the card and mailed out a replacement. The funds were left pending on my account now XXXX wants me to purchase a fax machine to fax over my fraud statement that I made to XXXX 's XXXX. Because I do not have access to a fax machine my funds will stay pending on my account, PENDING : XXXX XX/XX/2022 XXXX XX/XX/2022

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 2022-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is regarding Citi 's dispute review process. I have submitted a cfpb complain about Citi 's handling of this case before, this is a complaint about the resolution of said case that I believe is unfair. Citibank has not followed their own dispute policy and I would like to compensated fairly. 

As a recap, the original cfpb complaint ( XXXX ) was about Citi 's extremely long review process of a dispute a made. In XX/XX/XXXX, I booked a flight using my Citi Prestige Card. That flight got cancelled due to the XXXX war. I have contacted the booking agency for a refund which did not return my calls nor answer my messages. I later disputed this charge with Citi. I filed my dispute in XXXX XXXX. On XX/XX/XXXX I got a letter from Citi requesting evidence for my case ( XXXX ). I emailed evidence on XX/XX/XXXX, which included my canceled flight and my messages with the merchant that remained unanswered. After months of waiting and multiple demands for an update my case remained unresolved. I submitted a complaint to cfpb on XX/XX/XXXX which prompted a quick response from Citi Executive Response Team on XX/XX/XXXX which closed the case an offered a {$200.00} credit which is less than 20 % of the disputed amount. 

I have once again contacted Citi for an explanation, a billing disputes representative said that Citi agreed that my evidence for services not being delivered is overwhelming and that they even attempted a chargeback for my transaction which merchant refused, however, Citi in its turn refused to provide to me merchants justification for refusing the chargeback. Citi claims that at this point theres nothing they can, merchants can refuse chargebacks and I wont be getting my funds back. The XXXX billing disputes representatives I talked to over the phone both agreed that this isn't the result they would have expected and that this sort of adjudication is unusual, normally these sort of cases are straightforwardeither merchant provides a reason for refusal or Citi issues a refund. 

I believe that it is extremely unfair for Citi to be passing this cost to the consumer just because they can't recover funds on their end. I use my Citi card with the expectation that I am protected and can rely on Citi to refund me my money if the merchant is fraudulent or acting in bad faith as it's clearly the case here. Citi representative attempted to talk me out of pursuing this claim further, suggesting I reach out to other agencies, try contacting the merchant again, reach out to XXXX, or even credit bureaus. I believe these are attempts to deflect responsibility which consumers like myself expect from 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 2022-10-22 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: LA

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau Equifax XXXX XXXX and/or XXXX ) credit report XXXX My latest credit report shows ( XXXX ) credit inquiry/inquiries that I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Type Debt Buyer Account Name XXXXXXXX XXXX Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX  Account Number XXXX Account Type Debt Buyer Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. Thank you for your assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: CA

Complaint narrative:
I filed a dispute with equifax/XXXX  on XX/XX/XXXX to close and remove the account for the department of education XXXX XXXX updated the account, but Equifax still has an open account on their report. I called the department of education and they sent me a letter and confirmed to me all accounts have been paid and closed. The department of education says they have a record that Equifax reached out to them and they told them my account is closed. It has been over 45 days and Equifax still has the open account on my record. The Equifax score is XXXX points lower than the XXXX score. Equifax is currently blocking me from locking in an interest rate. Equifax is unfairly keeping my score low when the other credit reporting agencies show a higher score. Equifax says they didnt receive a response from the department of education XXXX but when I called there department of education they confirmed they told Equifax my accounts were closed. Equifax has taken well over 45 days and they still havent resolved my issue. I need to close my house in a month and they have blocked my ability to do that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX my family enter on a contract with XXXX XXXX XXXX to build a single-family home @ a new XXXX XXXX XXXX XXXX We got a pre-approval for a mortgage with a company call XXXX, and pay an earnest deposit of {>= $1,000,000}. 
We got an FHA loan approved for {$460000.00} with a 3.125 % interest rate as it states in the documents we have. The documents stated also that they were committed to approved it as it was passed by underwriters. XXXX XXXX XXXX proceed with the construction of the house as we were told they will take 10 months to build it. 
Time pass by and in XXXX of XXXX we had a date set for closing, XX/XX/XXXX, We got in touch with XXXX to get them ready, they started the process again, a week before the closing date we started to get no response from the loan officer, and we started to get worried, 4 days before the closing we received the news that our FHA loan was not possible because of proximity with the first home we own, but the loan officer ask us not to worry because he was still approving us with the same terms this time with a conventional loan, of course we trusted and keep on waiting for their good faith. The loan officer on a very unprofessional way stops returning calls or messages and after so many calls and request finally call us back telling us that XXXX couldn't approved our loan, when the system switched the loan to a conventional, we lost the locked rate and that made us not qualified for the loan. 
For that mistake the builders kept out earnest money deposit, giving us only the chance to purchase another home on another development they have but no the money back. 
At this point we don't qualify for a loan for the interest being so high, and at this point we are losing our {$25000.00} earnest deposit.

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 2022-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America XXXX opened an account which I think was fictional. they then put charges on account. Ruined my credit then demanded I pay even though right before this account was opened I had informed them my XXXX account had been hacked in XX/XX/2021. I had XXXX credit cards in XXXX account. Bank of America XXXX was only bank not to issue new card. When I reported my card in XX/XX/2021 as lost or stolen ; suddenly a new account was opened and the charges appeared on the new card. I physically never received this 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 2022-10-22 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: NY

Complaint narrative:
I've contacted them several times about the identity theft on my report on the hard inquiries yet they are still on, these are FRAUD!! I didn't give any written permission to use run these inquires according to 15 usc 1681b. and accoring to 1681c I request a block immediately which according to federal law you have 4 business days after receiving this request but the only thing is I sent this request in on Monday XXXX days ago you guys are late 15 usc 1693n you guys are in criminal violation.

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 2022-10-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account XXXX : XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2022-10-22 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: LA

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX XXXX XXXX and/or TransUnion ) credit report XXXX My latest credit report shows ( XXXX ) credit inquiry/inquiries that I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Type Debt Buyer Account Name XXXXXXXX XXXX  Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX Account Number XXXX Account Type Debt Buyer Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. Thank you for your assistance. Sincerely, 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 non-monetary relief
Consumer complaint received 2022-10-22 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: LA

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX XXXX Experian and/or XXXX ) credit report XXXX My latest credit report shows ( XXXX ) credit inquiry/inquiries that I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Type Debt Buyer Account Name XXXXXXXX XXXX  Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX  Account Number XXXX Account Type Debt Buyer Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. Thank you for your assistance. Sincerely, 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 2022-10-22 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have already reached out to Experian 4 times and they will not remove my hard inquiries off my credit report. I have alerted them I do not recognize them and they said 30 days ago the businesses had to confirm the accounts they have not but the inquiries are on my account. This is a violations of my rights!

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 2022-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I found a collections account for Portfolio Recovery while checking my XXXX XXXX on XX/XX/XXXX that was opened XX/XX/XXXX. ( See attached ) I have not had any contact with this company prior to this. 

I called Portfolio Recovery on XX/XX/XXXX inquiring about the alleged debt. I was told they could not locate my account. I demanded the damaging credit report account be removed immediately. I was hung up on. After several days, I emailed a Portfolio Recovery on XX/XX/XXXX, again demanding validation of debt ( see attached ). This email was ignored and never answered. I went to Portfolio Recovery website and clicked their chat tab and was directed to a live agent. I copy and pasted the content of my previous email ( see attached ) into the chat window and included my full legal name and address. I was again told there was no account under my name. ( See attached ). I demanded the account be removed from my credit report. I was told to call the same number I called prior, then the agent immediately left the chat. 

Portfolio Recovery has been damaging my credit for the past 1 year 5 months and refuses to remove their damaging credit collections account from my credit, despite admitting to having NO accounts with my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have already reached out to XXXX 4 times and they will not remove my hard inquiries off my credit report. I have alerted them I do not recognize them and they said 30 days ago the businesses had to confirm the accounts they have not but the inquiries are on my account. This is a violations of my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: CA

Complaint narrative:
I filed a dispute with eXXXX/Experian on XX/XX/XXXX to close and remove the account for the department of education XXXX XXXX updated the account, but XXXX still has an open account on their report. I called the department of education and they sent me a letter and confirmed to me all accounts have been paid and closed. The department of education says they have a record that XXXX reached out to them and they told them my account is closed. It has been over 45 days and XXXX still has the open account on my record. The XXXX score is XXXX points lower than the XXXX score. XXXX is currently blocking me from locking in an interest rate. XXXX is unfairly keeping my score low when the other credit reporting agencies show a higher score. XXXX says they didnt receive a response from the department of education XXXX but when I called there department of education they confirmed they told XXXX XXXX accounts were closed. XXXX has taken well over 45 days and they still havent resolved my issue. I need to close my house in a month and they have blocked my ability to do that

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