vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I believe Bank of America misappropriated over {$4000.00} when I refinanced and can not account for that money. In XX/XX/XXXX my wife and I refinanced our existing mortgage with BoA. We were previously BoA customers as well. As part of the refinance we were provided with a Closing Disclosure. That disclosure outlined the various costs associated with closing our new loan. Among those costs were " prepaids '' that included property taxes ( {$4600.00} ). This prepaid amount for property taxes was intended to cover our Q3 tax payment to our township and were separate from property taxes intended for escrow. We paid {$3000.00} towards our escrow account for property taxes. After closing on our new loan, we received a notice from our township in XXXX that we were delinquent in paying our Q3 taxes. This was concerning given our closing disclosure clearly stated that part of our closing costs were prepaids intended to cover this tax payment. After getting in touch with BoA via their main number, we were able to have the tax payment processed on XX/XX/XXXX but in order to process the tax payment, BoA proceed an escrow advance of {$2100.00}. Again this was concerning given the prepaid property tax payment was intended to cover our Q3 tax payment and it was not supposed to come out of our escrow account. Since that escrow advance and tax payment in XXXX, I have been trying to get in touch with someone at BoA to explain why we were assessed an escrow advance and where our prepaid tax payment of {$4600.00} went. I have opened numerous cases with BoA, have called our closing processing officer ( XXXX XXXX ), her boss ( XXXX XXXX ), his boss ( XXXX ) and left numerous voicemails without a call back. I have also called the escrow department several times and recently was able to connect with a manager ( XXXX XXXX ). Ms. XXXX notified me that she would look into the issue after discussing this issue with me for over an hour and gave me her direct line to follow up. Since that call, I have attempted to contact Ms. XXXX over a dozen times and have left numerous voicemails and have not received a call back. I strongly believe that BoA misappropriated our Q3 prepaid tax payment and can not account for its whereabouts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-01 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: CA

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/2020 I sent a dispute letter to LVNV Funding, XXXX  and XXXX  credit bureau regarding a collection/charge-off that was opened in 2020. XXXX and XXXX  is listed separately on my report with 5 inaccuracies. XXXX  isn't reporting on this account at all. It is well over 30 days and there is still 5 inaccuracies listed on the account and it hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I filed a dispute of fraudulent charges on my Bank of America pre paid debit card from XXXX. Claim # XXXX. I had just found out that someone intercepted my card and spent the money {$20000.00}. Since XXXX 2020 I have called repeatedly to BofA prepaid card, services been on hold over 20 hours and when I do reach a human, they are unable to tell me anything about my claim except its processing which tells me nothing. I have submitted everything I was asked to and they say they have received it. I have not received anything in the mail, no email, no text msg or phone call. I have not received a credit to my account. BofA has supposedly has " Zero Liability '' for fraudulent charges. I guess just not for me. EFTA states banks have to investigate claims and/or credit the account within 10 days of original report, this clearly has not happened. The stress of having someone steal from you is sickening but having to deal with the stress that Bank of America is putting me through is unbearable. I am a widow, a single mom, its the holidays, rent is due and I have mouths to feed and no money. The victims of fraud are being treated worse than the people who committed the fraud. There has got to be something that someone can do to help me but yet I have found no one. Any advice?

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 2020-12-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Multiple letters and FTC reports have been submitted regarding the fraudulent reporting of XXXX on my credit reports. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 - CFPB XX/XX/2020 XX/XX/2020 XX/XX/2020 They continue to ask for my ID, Social and bill with my current address. Each and every time I submit a letter to them, I include all items. At this point, they are sending out the same standard letter. Tracking numbers have been included in each complaint.

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 2020-12-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Multiple letters and FTC reports have been submitted regarding the fraudulent reporting of XXXX on my credit reports. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 - CFPB XX/XX/2020 XX/XX/2020 XX/XX/2020 They continue to ask for my ID, Social and bill with my current address. Each and every time I submit a letter to them, I include all items. At this point, they are sending out the same standard letter. Tracking numbers have been included in each complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple letters and FTC reports have been submitted regarding the fraudulent reporting of XXXX on my credit reports. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 - CFPB XX/XX/2020 XX/XX/2020 XX/XX/2020 They continue to ask for my ID, Social and bill with my current address. Each and every time I submit a letter to them, I include all items. At this point, they are sending out the same standard letter. Tracking numbers have been included in each complaint.

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 2020-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I recieved a call that sounded like it was either a XXXX where your number is cold called. A man picked up and asked for me by name, stated he was calling about " personal business '', and refused to answer what this referred to. He tried 5 or so times to get me to verify personal information and gave sensitive information over the phone ( last 4 of my social security number and my birthdate ). He never indicated that the line was being recorded or that the call was an attempt to collect debt or that he was a debt collector. I refused to verify my information and hung up. ( The call took place around XXXX EST ) I called the phone number back and heard that it was for Portfolio debt recovery, asked for a manager to make a complaint, and was denied because I refused to identify my personal information. I spoke to a total of 3 people in both calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 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: IN

Complaint narrative:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

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 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Someone stole my credit card number two months ago and USAA has been giving me the runaround ever since. Their fraud alerts knew it was fraudulent, as they are the ones who originally alerted me to the issue at the end of XXXX. I immediately called them and had them cancel my card and supposedly they filed a claim. I didn't get my temporary funds back and never got a confirmation of the claim and had to call back four times over two weeks. Finally they got the claim processed in XXXX and gave me the temporary funds. 

It took them two months before finally coming back last week and saying the {$5.00} charge was fraudulent but the {$400.00} charge was not. These charges were made within minutes of each other all by the same scammer. I called the merchant where the {$400.00} charge was made and it took them only 10 minutes to confirm it was absolutely fraud, that despite the person having my credit card number and address to process the payment, they were at a completely different address three hours away from me and had used 5 different cards all from different people to pay for multiple orders. 

I have now been calling USAA for four days in a row to attempt to get in touch with someone who I can conference in with the merchant so the merchant can confirm the fraud and get me a refund. They are giving me the runaround again. They said they would provide me with the documents they used to claim the fraud wasn't fraudulent but they didn't. They said a fraud specialist would call me from the fraud department but they didn't. They also took the funds back out of my account this morning. When I called again to express my exasperation they gave me the exact same spiel that they did the first time I called and said they would schedule a call back. 

This behavior is reprehensible. Not only have they massively mishandled this claim from day one they are now massively mishandling my attempts to prove the fraud and get my money back. They called me a lair and stole from me. I need your help in making this right please, CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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 recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I have tried numerous times to have this fraudulently applied account with my pertinent information resolved. I have sent an identity theft report through the FTC and have received a letter with negative feedback from Aspire Credit Card Co. stating that after a review of all relevant documentation available from their records, merchants and other information that I have been found responsible for said account. 

Letter states that when I called to dispute this credit card account that they match my telephone number to the telephone number used to activate credit card as well as address on account being my address. This is an absolute fallacy and I demand to view proof of all documents that they are claiming to have proven this account to be mine. That would include the original application to the account, place of employment, phone numbers and signatures to obtain credit. 

It stands to reason that when disputing I would use my actual phone number as well as actual address to verbally dispute and send documents for some resolution for this fraudulently open account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON 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 2020-12-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: OH

Complaint narrative:
XXXX, XXXX if you are not. This is a confidential message for if you are not you must take up now. Hello. I'm not sure we had put a hold of your matter at your request, and that is a good thing, but it has expired. So you must call XXXX. I will be available today until XXXX XXXX. XXXX. We do need to follow up or unfortunately, the matter will be taken out of our hands to pay online. Go to XXXX XXXX XXXX XXXX, and click on the pay now link bank account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: PA

Complaint narrative:
Fraudulent account identity theft XXXX XXXX Open XX/XX/13 Amount XXXX While in XXXX  XX/XX/2013 in hospital unknown person applied for credit card in my name who ever applied for this credit was assuming I was going to XXXX  an took advantage of my name social security number while under XXXX to receive benefits of this credit card while counting my life out

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 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I filed a complaint about a company called CashApp, Square , Inc. Complaint number : XXXX. As a result of my complaint the company retaliated against me and blocked my account. But I still have money on deposit with them in a stock trading account. Because they blocked my account today, I lost a lot of money because I could not sell stock that was losing value. 

The company simply ignored my original complaint. They claimed that they do not guarantee that a trade order will be canceled when requested. They also admitted that trade orders made after trading hours are executed when the market opens, but they do not mention anything about why they did not execute the order when the market opened. 
The company now seems to be retaliating against me for filing my complaint, they have blocked my account so that I was not able to make any trades at all today and my account lost value again. You can see from the timestamp that the account was XXXX during the trading day. There were no reported issues with the site. Also, a friend logged on and confirmed that he had no issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CA

Complaint narrative:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation