vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Just before midnight on XX/XX/XXXX, a balance inquiry and a subsequent withdrawal were made from my B of A Prepaid account that I did not make. I was told by a B of A claims representative that the inquiry was made at a branch in XXXX XXXX, CA and the withdrawal for {$1000.00} was made at a branch on XXXX XXXX  XXXX in XXXX XXXX, CA. Additionally, just after midnight another withdrawal for {$400.00} was made. I have always been in possession of my atm card and the PIN is NOT written anywhere nor do I share it with anyone. 

I learned of the fraudulent activity via email stating that my balance was low at about XXXX on XX/XX/XXXX, and I immediately filed a claim/dispute with B of A. The very next day my claim/dispute was closed. They stated that there was no fraudulent activity occurring. That same day, XX/XX/XXXX, my prepaid account was frozen by B of A ( or EDD, they both point the finger at the other ) and for the next month and a half B of A refused to reopen my claim nor would they discuss any of the documentation or information that they used to come to their decision. 

Finally, in the middle of XXXX I was able to reopen my claim which again was denied immediately. The first time my claim was denied in XXXX, as well as when it was denied in XXXX, I requested documentation stating the reasons they came to their conclusion. Both times my request was denied. 

After my claim was denied for a second time in XXXX, I called the claims department to reopen my claim. I was on the phone with the representative for quite a while and was told my claim would be reopened again however, when I called for a status update on XX/XX/XXXX, I was told that they did not re-open my claim. During that phone conversation I was also informed that I should've filed a police report. I had asked about that previously and was told it wasn't necessary. So, I filed a police report and requested that my claim be reopened, and again was told that it would be. Now, on XX/XX/XXXX, I called for another update and was AGAIN told that they FAILED to reopen my claim. I have requested my claim to be reopened and for a third time requested copies of any documentation that they used to support their decision. in addition, all of my requests to speak to the Investigations Department have been denied.

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 2021-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
This adverse account listed on my credit report is inaccurate as the account was turned over to collections due to a bookkeeping error. When I was contacted by M LEONARD & ASSOCIATEXXXX regarding this collection account I advised them that the account had been turned over to them in error, because the bill was covered by my sons insurance and had been paid in full. Despite what I told XXXX XXXX he said that I owed the money. I asked XXXX XXXX of M LEONARD & ASSOCIATES to provide me with supporting documentation so that I could look into the matter further. 

After receiving the documents that I requested from M LEONARD & ASSOCIATES, I called them and they advised me that they would hold off on any further collections until XX/XX/XXXX so that I could look into the matter. On XX/XX/XXXX I contacted XXXX XXXX of M LEONARD & ASSOCIATES and advised him that I was still waiting to hear back from bookkeeping regarding the account as the file had been put in storage because the account was from XXXX. During this conversation I was advised by XXXX XXXX of M LEONARD & ASSOCIATES that I needed to pay the outstanding amount while I waited to hear back from bookkeeping or they would report the negative information to my credit report. I made the payment even though I did not own the money so that M LEONARD & ASSOCIATES would not report the negative information to the credit bureaus. After making the payment I was advised by XXXX XXXX of M LEONARD & ASSOCIATES that if there was in fact an error M LEONARD & ASSOCIATES would reimburse me the {$240.00}. 
Despite the promise to not report the information to the credit bureau if I made the payment, M LEONARD & ASSOCIATES still reported the negative information to the credit bureau and it was later discovered that the account was in fact turned over to collections in error. So based on this fact the I asked the debt collector to remove the negative information that they reported to the credit bureau and they refused. 

This is not a valid collection account and therefore should not be listed on my XXXX  credit report. The account was paid in full prior to being turned over to collections. Furthermore the fact that M LEONARD & ASSOCIATES reimbursed me the {$240.00} for the payment that I made, further confirms that the collection account was in fact in error and therefore should not be on my credit report. Lastly, there should be no charge off as the account was paid in full by my sons health insurance and the account did NOT legally belong to M LEONARD & ASSOCIATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanFlight Lending, LLC
State: CO

Complaint narrative:
Loan Flight Lending, Inc. Filed and complied with NUMEROUS paper requests. As loan got close to loan lock date loan application was just dropped by company with no follow up. Follow up through out process was extremely poor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
the account was frozen by capital one. false promises to lift freeze claiming account that I have been using to pay is not mine. the same account I have been using for 8 months. they refuse to call back and refuse to unfreeze my card. They keep making up a bunch of jive to justify it. but after a year holding this card and not having any issues, it seems they are just debt climbing their customers and dumping on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
i transferred funds using zelle through XXXX to buy a XXXX. unfortunately the website turned out to be fake. When i went to XXXX, they said that they can not recover the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Kriya Capital, LLC
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 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: FL

Complaint narrative:
I sent a dispute letter to all 3 Credit Bureaus and they did not comply in the 30 day window and the bad information still shows in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: NY

Complaint narrative:
Good evening, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a XXXX XXXX XXXX XXXX. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and was told i needed a ftc report.I am very frustrated because this is affecting my credit report.I tried to add another fraudulent account to but i couldnt add it. The account is XXXX XXXXXXXX XXXX this account is as fraudulent. I have also called these companies where the fraud happen and they could not verify my information. I have attached the FTC report below along with my driver 's license and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Block, Inc.
State: LA

Complaint narrative:
Its a very complicated and hard to explain but I have fallen victim to multiple major corporations and my previous employer illegally accessing and changing my credit reports. They have intentionally mislead me, confused me and ruined my life. I can barely focus on my day to day simple activities. It has become unbearable they way they change emails, hide job opportunities and erase important information from my phone. It is the worst form of torture possible. The mental anguish is unbearable. I just learned I was part of some XXXX XXXX  that i didnt even agree to. My credit is ruined and I cant concentrate on anything. I am tying so hard not to apply for unemployment. Im living day to day and behind on all my bills. My credit report says I own property that I never have been to or know about. These companies have destroyed me. Between XXXX, XXXX XXXX XXXX XXXX  XXXX Tn. And cash app falsely submitting things and intentionally and knowing torturing me with there half truths and revised terms and conditions I dnt know who to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: GA

Complaint narrative:
I am writing to you in regards to account that is coming up on my credit report. I have absolutely no knowledge of this account and have sent letters requesting validation of this account but no avail! If they can not validate it, how can you report it? Its identity theft so why I still have this unknown item in my credit report? Only two bureaus reporting this account.

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 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
paypal closed my account once i submitted the requested documents and will not help me to get it back up and running again.i am not sure if this is a mistake or a scam or what not.the money was given to me by family members for emergency reasons and being unable to access my money has put a bigger burden on me financially. not to forget that i paid a fee for what? for them to keep my money from me? i feel paypal is not doing business properly and i am very disatisfied with their business tactics. i have given no reason for paypal to hold my money from me. can you please help me with my situation? the email in relations to this account is XXXX my cell phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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 am writing to dispute the following accounts for I am having difficulties due to the inaccuracies with the following accounts listed. These accounts were reporting information that are violations to the FCRA and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: DC

Complaint narrative:
On XX/XX/XXXX, and XXXX, XXXX, XXXX, I tested positive for XXXX   while providing care for my XXXX year old mother in Indiana but my home is located in XXXX  DC. I called my mortgage company, AmeriHome, informing them of my illness on or about XX/XX/XXXX leaving a message for a return call. I also informed them I was in quarantine and please call. Amerihome never returned my calls .I made subsequent calls on XX/XX/XXXX, XX/XX/XXXX and emailed them on XX/XX/XXXX, because Amerihome failed to return my calls inquiring about options. As a result I went into my retirement account in order to bring my mortgage current. Amerihome failed to tell me about mortgage relief and simply demanded that I bring my mortgage current or face foreclosure and reported my mortgage as late to the credit bureau. When I went onto the Amerihome home website I could only make one late payment at a time which caused my XXXX, XXXX, mortgage payment to be late. I called Amerihome customer service several times and was finally able to reach them on XX/XX/XXXX, and they told me that there was nothing they could do and still failed to offer mortgage relief to me. I learned about HUD sponsored mortgage relief from a friend on XX/XX/XXXX. I called Amerihome on XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX to obtain but the number for mortgage relief/assistance always has a busy signal which is unacceptable in XXXX so I emailed them again on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I notified Transunion that I am a victim of identity theft. In response to Transunion I am not a third party. I am a victim of Identity theft

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 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
STRESS=STRESS 1 ) Loan No. do not recognized 2 ) Property taxes on home incorrect were paid and not with loan.

3 ) loan Amortization Schedule wrong.

4 ) IRS 1098 incorrect.

5 ) unable to talk or speak to knowable people.

6 ) Trust in company personnel

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On Friday XX/XX/XXXX I walked into PNC Bank located at XXXX XXXX XXXX XXXX XXXX Florida XXXX and was approached by Banker XXXX. I needed to do a wire transfer. XXXX stated with my account there was no fees for the wire transfer. I gave him all the information, he printed the paperwork and I signed it then he signed. I ask for a copy as I needed proof of the wire transfer and he stated no I can not get a copy. I ask him why? He stated he is not going to give me a copy. My daughter explained why we needed the proof of the wire transfer as it was evidence of transmittal for the good faith deposit purchase of a new home. He refused but then he told us blatantly Im refusing to service you, you can leave now. Shocked at his statement my daughter stated " You refuse to service us because we ask for a copy? '' he stated yes you can leave. then he turned to the customer behind us and stated " sir can I help you ''. The customer stated loud no you need to help them I will wait. We were shocked at his behavior. We ask him for his name he stated no he is not going to give it. Then we ask for a card with the bank address. He stated we can google it. He REFUSED SERVICE. I then ask him to cancel the wire and if he could shered the cancelled document. He stated he will not he put it in the top draw. I informed him since I am being refused service for asking for a copy I will like to close my account and withdraw out all my money. He stated if I drew out my money he can not give all my XXXX just XXXX, XXXX. I ask for a manager and he stated none was in the Bank.

I proceeded to leave when another Banker ushered me into his office apologized and processed the wire transfer. This Banker name XXXX informed me there was no fee for the wire transfer and he gave me a copy. 

To add insult to injury they charged me a {$30.00} fee in which i noticed today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
Attempted to deposit XXXX $ into the Binance.us exchange on XX/XX/XXXX, deposit failed from the Binance.us side, however XXXX was taken out of my bank account and now that XXXX is missing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is denying my request to remove credit inquiry that has been on the report for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank checking account was opened online XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Lakeview Loancare Servicing will not allow me to access my online account. they give me zero options for explaining the problem and both website and phone trees send me into continuous loops with no end point. I NEED financial data from my account. They insist i do so online but they have a broken authentication system and have in effect BLOCKED me from accessing my own data.

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 2021-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XX/XX/21 XXXX XXXX called in regards to XXXX on behalf of HSBC XXXX XXXX. The number they called was XXXX and stated they were attempting to collect a debt on behalf of the HSBC XXXX XXXX. I told them I do not owe anything to HSBC this has been resolved years ago and this was over ten years old and this was fraudulent. The person hung up on me after I stated over and over on an allegedly recorded line this was a fraud. This is my third complaint regarding a company having some of my personal information and stating they are calling for HSBC XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: PA

Complaint narrative:
The following were part of Trans Unions Inquiry issue. Inquires that did not have authorization nor belong on the report. 

XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 Trans Union was un willing to assist in rectifying the issues.

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 2021-04-19 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 ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXXn 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