vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Identity Theft victim and Fraud, Submitted Reports to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
I refinanced my home loan with Rocket Mortgage in XX/XX/2020 after having my loan with XXXX XXXX for over 10 years. Everything went fine until I noticed the mortgage insurance for {$1000.00} a year. I called and spoke with XXXX and I was told I had to pay that for at least another 10 years. I really wish they would have mentioned this during the process. This is going to cost me {$10000.00}. More then I saved refinancing my loan. I think this charge should be taken off my loan. My house is worth XXXX the mortgage amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
To whom it may concern On XX/XX/28 I sent dispute letter to XXXX and XXXX asking them to verify the creditor information that is on my credit report listed as collection, I dont have any knowledge of that creditor information that is showing in my credit report because is not accurate and doesnt belong to me, I asked them to provide all the corresponding documents to me via mail and they failed to provide me anything, so I need to escalate this issue and Im trying to get your help because this is affecting me and hurting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: AR

Complaint narrative:
I have a hard inquiry from XXXX XXXX XXXX that I did not authorize. I have submitted a police report to Experian that shows that my identity has been stolen and I am needing this removed please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
We have always had a GM rewards card, but recently it was changed to Marcus as the administrator. At that time we weren't really using the card very frequently due to not needing the rewards as much. We had received a bill for a small amount, {$8.00}. Not sure what it was but found out it was some sort of recurring charge from XXXX so I contacted XXXX and stopped that and then paid the card balance of what I thought was XXXX. There must have been an additional XXXX of interest from the last statement that I was not aware of. When I made that payment, I was under the impression I was paying the balance in full and we did not have any plans on using the card anymore. No more paper statements or emails from them until XX/XX/XXXX, which at that time says I have a balance of {$36.00}. These are all charges from that XXXX. I called in XXXX and they told me they would look into waiving these. Never heard back and continued to get emails and notice that my account had been closed so called back to check on status. Did not seem that anything had been done from the previous call. XXXX explained that I had switched to e-statements which I checked old emails and spam and couldn't not find any emails. She started another dispute and received this email from them. 
Hi XXXX, We've received your feedback about the GM Card. 
Goldman Sachs Bank USA investigated your statement dispute. You contacted us on XX/XX/2022 because you had not received the XXXX to XXXX statements for your G.M Card. As per our records, you provided E-sign consent on XX/XX/2022 and as per the terms and conditions of this consent, all legally required documents including statements are delivered to you electronically and available at https : //www.marcus.com/us/en/documents. On XX/XX/2022, XX/XX/2022 XXXX, XXXX email were sent to you stating that the XXXX to XXXX statements respectively were available. At this time, we are not able to waive any interest and late fee charges. At the time of this statement your delivery preference was electronic, you can change your preference anytime at Marcus.com in your account profile. You can view your monthly balance, minimum payment due, and payment due date on your most recent statement and available on Marcus.com. 
We appreciate you reaching out about the GM Card. 
If you have further questions, please contact a GM Card Specialist at XXXX. 

I just paid the balance because I do not want this to impact my credit for XXXX cents, which I think it XXXX have already though. Had I received a statement showing the balance the next month, I'm sure I would've called and they would have taken care of it. I also have never chosen to have electronic statements for any statements I have so if this was opted in, I think it was probably because the website directed you to choose that and was slightly misleading because I would not willingly choose for e-statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
An unauthorized charge of {$2300.00} dated XX/XX/2022, reference number XXXX, appeared on my online statement and I immediately contacted the bank to notify them about the fraudulent transaction and requested they immediately cancel my card and issue a new card with different account number. I did some research and the fraudulent charge was made to an online merchant. The bank provided me a temporary credit, but on XX/XX/2022 reversed the credit and has not provided me any details about the fraudulent transaction. I attempted contacting the bank 's security department to obtain more details and appeal their decision, but they do not return my calls nor have mailed me any further information. They expect me to pay the full amount by XX/XX/2022 and I am not going to pay it. Consumers have rights to a fair due process.

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 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX deposited a check in the amount of XXXX $ on XX/XX/2022. 
Hold placed on the account til XX/XX/XXXX when funds showed cleared and available for usage. 
Today is XX/XX/XXXX. The XXXX check deposit was deposited in the amount of {$4500.00} into my savings. 
Tried to withdraw money from atm today still denied usage to both my accounts checking ending in XXXX and savings ending in XXXX. 
Spoke with a customer support representative with chase. The support agent referred to my account still being placed on restriction due to confirmation of the check written to myself if funds were going to be cleared. Prior to this Ive spoken with them on dates XXXX of XXXX telling me to wait the hold duration and funds should be accessible the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TN

Complaint narrative:
XXXX not owed. My son moved out of an apartment in TN in XX/XX/2022 for several violations under both State and federal law. The landlord was told of his actions on XX/XX/XXXX and filed a HUD complaint. Anything that occurs especially within a 6 month time frame from filing a complaint against a landlord is considered a retaliatory act. Currently we were at 6. Now ProCollect hit my credit without notifying me. I was not given the opportunity to dispute. Now, every day that they have this on my credit report amounts to 1 count of retaliation with damages. Now in addition to the previous 6 they now have around 13 counts. I guess they believe violating the law and peoples Rights is normal practice. I want ProCollect to be added to my sons HUD claim for retaliation and cease and desist any further actions. We also want all of our credit corrected as it was before they took retaliation.

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 2022-12-07 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:
According to FCRA 605B ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 

My information was apart of the XXXX data breach there are accounts, name, addresses, and inquiries that I did authorize.

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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent Equifax numerous of letters asking them to remove the wrong birthdate on my credit report. I also have gave them more then 30 days to remove the wrong birthdate and have not gotten a response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: MA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681 .And they violated my rights. numerous of times .I demand the accounts below be remove because : According to 15 USC . 1681 I have the right to privacy and did not give equifax written permission to furnish these accounts. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
BSI Financial ( servicer for XXXXXXXX XXXX ) finished the review of my escrow account on XX/XX/XXXX. Their review indicated that I had an overage of {$2000.00}. When I login to my online account, they have added a line in my transaction history stating that they have refunded this amount to me, however, this is inaccurate. I grew concerned that I had not received a check in XXXX and called the company. I called them on XX/XX/XXXX and they stated that the amount needed to be reviewed for 30 days, then I would be issued a check. I called again on XX/XX/XXXX and they stated the 30 day review would be complete on XX/XX/XXXX and I would receive a check. It is XX/XX/XXXX and I have not received a check. I called this morning and the customer service representative stated that the check has not even been cut yet and that " he will call me back once he investigates. '' The FDIC states that mortgage companies have 30 days after escrow analysis to refund any surplus, which BSI Financial is in clear violation of. If this continues I plan to seek legal representation and action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Good morning I have been going back and forth with Westlake Financial XXXX. I did a settlement agreement to pay XXXX XXXX on what is owed which was XXXX. I went ahead and gave them my debit card to process the payment in full and requested a paid in full letter. I was not provided with the letter and was told that they needed to take 10 days for a payment to process in order for them to send a letter and even 3 more weeks for them to update the credit. Now I did call my bank and received a confirmation number of the transaction and was told it was paid to the client ( Westlake ) I reached out to Westlake with the confirmation number and asked to please send me a paid in full letter and the rep has refused and hung up on me. I have called back over 30 times and get connected to the same rep and was again hung up as I was bothering her.. This is not professional. I have all documentation that this account is paid in full.

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 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
15 USC 1681 SECTION 602 STATES : I Have the right to privacy 15 USC 1681 SECTION 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666b : a Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

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 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC
State: OH

Complaint narrative:
Contacted the company after receiving a letter advising that an extra fee was required as the item was returned. After speaking with my financial institution was advised that original merchant had not attempted to process the payment. Checkredi advised that they do not dispute debts an that there was nothing that could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2022 tried to access my account online. Stated I had tried to access it to many times- then another error message displayed that said it wasnt registered. Clicked link for reset- only option was reset login info & not password. 
Reset page asked for full social Security number and full account number and full name and DOB.

On a previous request at branch to fix similar prior issue due to website stating I had not registered my account. The passcode they gave did not function.

Someone keeps unregistering my account.

There also appears to be no security for online resets. No two step authentication methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Violated my Rights ; 15 USC 1681b ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( I gave no written no Instructions to XXXX! ) 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1604 ( F ) ( 2 ) b- Disclosure guidelines ( B ) The extent to which the requirements of this subchapter complicate, hinder, or make more expensive the credit process for the class of transactions.

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 2022-12-07 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: CA

Complaint narrative:
XXXX Violated my Rights ; 15 USC 1681b ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( I gave no written no Instructions to XXXX! ) 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1604 ( F ) ( 2 ) b- Disclosure guidelines ( B ) The extent to which the requirements of this subchapter complicate, hinder, or make more expensive the credit process for the class of transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXt XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-12-07 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: PA

Complaint narrative:
According to FCRA 605B ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 

My information was apart of the Equifax data breach there are accounts, name, addresses, and inquiries that I did authorize.

Company response to consumer: Closed with explanation