vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I attempted to make a purchase online at XXXX using my Citibank debit card. The authorization didnt go through and I attempted it 2 more times. I then realized I should call my bank as the type and amount of transaction probably caused a flag on my card, some kind of fraud alert. I explained that the transaction was legitimate and asked them to notate my account that I attempted that purchase and would want to do it again. The representative said it was referred to fraud Dept for review, and that my card would be cleared In about 1-2 hours. This was at XXXX XXXX  on XX/XX/XXXX. I called again at around 2 ish only to be told by another rep that it could take up to 48 hrs. This is unconscionable and unacceptable as I called to explain the transaction and I was also thoroughly vetted by them. This account with Citibank and associated debit card is my only source and access to my funds. I am XXXX  yrs old without other resources. Citibank is holding my funds hostage. They would not let me speak to a supervisor when I requested and told me they had no access to the back office to which they kept referring. I spent over 5 hours trying to rectify this situation which - being there was NO FRAUD- should have be solved in minutes. Also, as big a corporation as Citibank is, they disclose no contact information for executive offices/officers. I even called general customer service and said I needed to make a formal complaint and the representative told me there were no issues with my account. I asked her to contact fraud while I waited to make sure. She didnt, but just transferred me to fraud - again- who verified what I already suspected- they had NOT REMOVED THE BLOCK ON MY CARD. I also feel that I am being punished because of the many calls I made to Citibank regarding this situation as the customer service supervisor said, you have made many calls. I said YES, You have basically frozen my funds!!!! I am sick over this

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 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NC

Complaint narrative:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: LEXISNEXIS
State: MO

Complaint narrative:
Let me start by letting you know Im getting very frustrated as I have been trying to resolve this with you for over a year now. You recently sent me a letter which stated that you verified that a bankruptcy is accurately reporting on my credit report. I wrote back to you on XX/XX/2021 and did not receive a response and the disputed information still remain on my credit report causing harm to my character. Ive filed complaints with CFPB and the Missouri Attorney General against your company after I have documented that you are not telling the truth. I have evidence from the courthouse that this information was never furnished by them so your company DID NOT follow proper procedure to obtain this information. 

There is no such thing as a public record for the consumer because I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

You can not continue to violate my consumer rights!

If you investigated this bankruptcy, tell me who you interviewed and if you interviewed them, it should NOT include facts pursuant to 15 USC 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: FL

Complaint narrative:
On XX/XX/2021 I applied for a secured credit card with XXXX XXXX Credit Card issued by Synovus Bank, XXXX, GA, member FDIC. The card was secured by a deposit of XXXX that was deducted from my checking account that same day. On XX/XX/XXXX I checked the status of my credit card. The website listed my deposit as pending and the credit card issuer had yet to receive or accept my deposit. I found this strange as the deposit was taken out of my account on the XXXX. I called the number that was very difficult to find and after speaking to 3 different people who all asked me for the same exact information and proceeded to transfer me to XXXX who supposedly needed to verify my personal information once more before my card could be approved. After verifying my information once more XXXX informed me that my deposit was accepted and my card was approved but I would need to call back in 24 -48 hours to confirm. I found this process odd and asked XXXX why did I the customer need to call back in order to finalize approval? XXXX told me that was the process and that was standard procedure. At this point I accepted what he said but asked for a supervisor. XXXX repeated that my card was approved and just to call back in two days. I told him the entire process seemed odd for a bank and that I was simply uncomfortable with the entire process. He repeated that I had been approved and to call back in 24-48 hours. I asked him for his full name which he seemed reluctant to give me. At this point my instincts told me something is no right but I ended the call. A few minutes later I called the same number again in hopes of getting through to a supervisor. Now that same number only keeps you on a continuous loop and you can not get to a real person. I tried calling the parent bank multiple times and waited on hold for 45 minutes before hanging up. What kind of bank operates like this? I then did something I should have done initially and researched the card and the bank. I found that this credit card issuer is very shady and there are many lawsuits in it's history. I made one last attempt to call the original ; number i was able to initially get through on and was only able to get a continuous loop and am unable to speak to a live person. The number I called was XXXX XXXX XXXX XXXX. The website of this company is XXXX XXXX XXXX I wish to file a complaint and seek to recover my deposit of XXXX immediately. The business practices of this credit card issuer seem to be a type stalling tactic in order to keep your money as long a possible. These people should not be in business!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Purchased a new custom built home on XX/XX/19. The mortgage agreement had to include a holdback, in escrow, for several landscape related items that were outline in the Purchase and Sale, but not done by the time of the sale closing. After several attempts we did not accept that these items were completed and requested that the Mortgage lender, Bank of America, not release the funds and to use them to correct the issue. After a year + of dealing with Bank of America, the issues were never corrected using the escrow funds. The funds were also not returned to us. 

Bank of America 's advice was to get a lawyer, but a ) can not explain how we are actually have any legal standing with this as the escrow agreement appears to be between the Mortgage Lender and Seller. b ) decided, without our approval, to say that the items are close enough and that the Seller may have the funds. 

I have had numerous discussions with Bank of America and their subsidiary, Merrill Lynch and just feel like I am getting the same canned answers and brushed off.

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 2021-08-26 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: SC

Complaint narrative:
This is a written notice to XXXX XXXX XXXX who acts as ceo of legal fiction Transunion that I the consumer XXXX XXXX the agent of XXXX XXXX see inquires that I did not authorize or consent to block and remove them now.

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 2021-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. SOMEONE OPENED A XXXX ACCOUNT IN MY NAME. I CONTACTED THE COMPANY THEY SAID THEY COULD NOT FIND ME IN THEIR SYSTEM SO I WOULD HAVE TO START A DISPUTE WITH THE CREDIT BUREAU AND IT WILL BE DELETED. I DISPUTED IT WITH THE CREDIT BUREAUS AND IT IS STILL REPORTING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
This car is reporting as a charge-off, and should be off my credit report or reporting 100 % on time payments with no charge off reporting. This car loan has been settled with Wells Fargo as a unlawful repossession due to unknown charges through collateral protection insurance. I was given monetary compensation and was told by Wells Fargo that this loan will be removed from my credit report or reported 100 % on time payments with the charge off status taking off.

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 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/21 at XXXX I received a call on my mobile device, displaying " Bank of America '' on caller ID. I answered to hear a pleasant voice of a gentleman on the other end. He was calling to inform me of " suspicious '' activity on my card. He went on to inform me of the purchases and the amounts of the purchases made on the card ending in " XXXX XXXX XXXX XXXX ''. He knew the last 4 digits of my bank card. He went on to provide further purchases I had legitimately made and the stores I had made them at. He knew of my transactions. Immediately, I told him I had not made the out of state purchases. I informed the gentleman that my card must have been compromised. He advised me to cancel my card. He also offered advice to help prevent this type of fraud in the future. He knew my home address to mail the new card to. He also knew the exact amount of money in my checking account, to the cents. Occasionally, he would excuse himself to put me on hold to continue dealing with the issue on his end. Lastly he mentions that {$2000.00} dollars had been transferred to " XXXX XXXX XXXX '', to a " XXXX ''. I told the gentleman we had to do something immediately because I did not authorize a transfer. He said he would call " XXXX XXXX XXXX '', so he put me on hold. When he returned he said he had a representative named XXXX on the line. I did not hear XXXX introduce herself. The gentleman said we could attempt to transfer the money back to my account by going through " XXXX ''. I questioned the ability to do this with out a phone number. He said it can be done through my email address and that he would help me by talking me through it. He was always " helpful '' .I got on my mobile app through Bank of America , I placed him on speaker and he knew all the buttons I needed to push to transfer the money back to me. I continued to question how the money would return to my account through my email address, he said they were linked. I did see " XXXX XXXX '' name on my " XXXX '' profile. I questioned this and the man went on to say " somehow XXXX has merged with the current profile and is using a secondary mobile number ''. The gentleman reassured me that the transfer was going to return to my account. He told me not to worry. He asked if I received the XXXX code to my phone to authorize the transfer. Initially, I was having difficulty with the process. The man was patient and reassuring. Once the transfer was accepted, the connection was lost. I immediately called Bank of America back, explained what had happen and I was transferred to the Frauds and Claims Department.

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 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I have a XXXX XXXX.the first payment to new employee is always by western union as it takes up to 6 weeks to get them into the accounting and payroll cycle in ukraine.today I tried sending the customary {$500.00} to the new employee. When I went to XXXX here in XXXX to place with western union. They received an error message. Called western union who said and I quote there was a regulatory compliance issue.we asked what that issue was ... .they said they weren't required to give an answer. Now these people in XXXX dont have bank accounts. When they are paid its put on a Visa card. Western union on their app refuses to allow for these.transactions. to be taken on a debit card.i have to go cash a check and go to a western union agent ... .whenever I have called I get the same XXXX from western union that its regulatory compliance issue.when asked what's the issue their standard response is we dont have to answer that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/21 a dispute was opened which I ask XXXX  to validate the bankruptcy that was on my credit report. They were ask to name the person at the Bankruptcy Court  who Varified the information. They were unable to do so within 30 days. In stead they ask me to file another dispute again. They also stated that their system doesnt 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
Consumer complaint received 2021-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/21 a dispute was opened which I ask XXXX  to validate the bankruptcy that was on my credit report. They were ask to name the person at the Bankruptcy Court who Varified the information. They were unable to do so within 30 days. In stead they ask me to file another dispute again. They also stated that their system doesnt 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
Consumer complaint received 2021-08-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have been trying since XXXX XXXX to get Bank of America to sort out the complete mess they have made with my Home Equity Line of Credit ( HELOC ). 
Account # XXXX was opened on XX/XX/XXXX and I have been making all the regular payments by transferring money on my BofA dashboard from my personal account to the HELOC account. 
It appears that at the end of XX/XX/XXXX, the bank changed the account number to XXXX without any notice to me. My HELOC account was still on my dashboard and I continued making every monthly payment through to and including XX/XX/XXXX. 
In XX/XX/XXXX i tried making my usual payment, but the option had been removed from my dashboard. 
After many phone calls it turned out that the account had been handed over for collection for non payment, despite all my payments made in full and on time. These payments had not been applied to my account and were somewhere floating in some sort of suspense. 
After multiple, multiple, multiple calls and emails over several months they eventually apologized for their error, correctly allocated these " Unapplied Funds '' to the account and stated that they would have ALL negative comments posted on the credit reports removed, that the account was current and in good standing. 
Not all the negative comments were removed " Account information disputed by consumer '' still remained on all the agencies. I spent most of yesterday getting these comments removed - something that the bank should have done. 
Checking my reports, I saw that the comments had been removed, BUT XXXX  was showing that I had XXXX HELOC accounts with BofA - XXXX showing negative aspects ( Past Due ) and the other " Current '' no past dues. THERE IS ONLY XXXX account. 
The bank has been unbelievably slow to get things done - stating that it was complicated - and thoroughly inept at getting this mess, that they created, totally fixed. 
Due to their extreme incompetence I have been denied a re-finance on my mortgage SOLELY because it appears that I have XXXX HELOC accounts with BofA. This has cost me thousands in wasted time XXXX multiple phone calls, multiple emails ) trying to get them to fix their mess, the cost of not been able to re-finance and reduce my mortgage payments by {$230.00} per month, which for 360 months amounts to {$83000.00}, to say nothing of all the emotional stress that this has caused

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 2021-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
Company : Quality Assett Revovery Collection Date : XX/XX/2018 Account # XXXX I disputed this with Quality Assett Revovery before it even got to collections and explained to them that I was not treated at that hospital on numerous of occasions. I also disputed it twice with XXXX  Credit with them saying the consumer disagree. So finally I sent Quality Assett Recovery two Validation Of Debt letters via mail asking what proof that was me I never gave them my social security number or date of birth better off even my name. I never signed any discharge papers or anything all I did was sit in a room and with the doctor and nurses came in there I denied and never said anything to them I ignored them. Under The Fair Debt Collection Practice Act I have the right to request proof that it was me being treated and the police sent me there against my free will I wasn't hurt or I never asked to go there. so I feel as if the Police Department should get billed because they forced me to go.

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 2021-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Today XX/XX/2021 around XXXX central time I returned a voicemail about student loan forgiveness program that I qualified for. XXXX. They left agent ID # s. They knew I had 2 student loans and 1 was a parent student loan. They texted me a security code on my phone that said : FSA : Your FSA ID temporary secure code is XXXX. Enter this online within 30 minutes to continue account recovery. Do not share this code.I had to verbally tell the agent this number over the phone. 

They said 0 % interest for 240 months and then loan forgiveness. 

I thought it was a scam so I said call back tomorrow. 

Please help. I think my identity is in jeopardy.

Company response to consumer: Closed with explanation