vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 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: IL

Complaint narrative:
I have the following inquires on my credit report from organizations I have no relationship with : XXXX XXXX, Auto Financing, XX/XX/20 XXXX XXXX XXXX, XX/XX/20 XXXX XXXX, XX/XX/20 To my knowledge, I have not signed any documents authorizing these organizations to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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:
On XX/XX/2021 XX/XX/2021 I sent letters to equifax as well as over the phone contact explaining to equifax that the XXXX consumer Auto loan information reported on my credit profile is fraud or error. I noticed that there report different information from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I have student loans with University Accounting Services LLC. I have never made a late payment and had a lot of issues with them overcharging me these past few months. I just got those resolved and now on me and my mom 's XXXX who is a cosigner ) credit reports on XXXX it says there are 14 missed payments and our credit scores have gone down signficantly. 

My disputed the report which XXXX  denied on XX/XX/XXXX. She also called and emailed on XX/XX/XXXX UAS LLC which provided no response to the email in the past month after saying the issue was being escalated and were extremely rude and not helpful on the phone. 
I have disputed on my report now with XXXX but it is unclear whether the problem is with XXXX or UAS both of which have been unhelpful. I have many many issues with UAS actually taking action to correct their errors in the past and need it to be resolved soon so our credit scores can go back to normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
After filing my complaint against Merrill Lynch I was contacted by : XXXX XXXX Assistant Vice President, Consumer Investments Executive Escalations XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX contacted me on the XXXX of XXXX asking for a copy my Driver License and any documentation that would show that I had the right to receive a loan that was disbursed to my account in my name. XXXX stated once she received those documents that she could schedule an appointment to pick up my balance of {$3900.00}. 
Merrill Lynch bank has held by my money with no access to this account for over a year and a half. 
I have ask for copies of my previous bank records as well and still nothing has been released as promised. After XXXX received my documents she contacted me a few days later asking for more documents that prove I had the right to receive money that was deposited into my account and under my name. I explained to XXXX what they are asking for has no relevance to closing an account in my name that I have no access too. Regardless of the fact I know they have no rights to my business documents ... I still provided a copy of my sol prop which gives me the right to operate under my name as a business. Merrill Lynch is violating my rights by not giving me access to an account that is still open under my name despite the request to close this account. Merrill Lynch also refuse to give me a copy of my banking records. Merrill Lynch is causing me a great deal of XXXX and XXXX  because I have no idea what they are doing with an account that I have no access too. 





From : XXXX [ mailto : XXXX XXXX XXXX : Tuesday, XX/XX/2021 XXXX PM

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 2021-05-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX  and XXXX credit report. My latest credit report shows 2 credit inquiry/inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX XXXX XXXX-inquiry on XXXX XXXX JPMCD Card inquiry on XX/XX/2020 Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On the XXXX I sent letter regarding inaccurate and unknown things on my credit report to this day over 60 days, later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that failure to investigate their items within 30 days gives a reason to immediately remove those, items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
This List of companies obtained my credit report without my permission or consent in hopes of getting selling and auto loan for someone who is not me. I have disputed the credit bureaus and as well as wrote the companies of this ill committed violation against me. They have refused to comply by providing the signed or written consent giving to them by me to process this application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
I received a call at approximately XXXX XXXX EST on XX/XX/XXXX from XXXX " Account Resolution Services ''. The woman stated that she was collecting a {$33.00} medical bill from a hospital visit in XXXX. 

I stated to her why I would not have any problem playing a {$33.00} bill, this is the first I had heard that it existed. I went on to ask why the original debtor did not send me any bill prior to sending it to the collection company? The woman was very rude as proceeded in stating that their company had sent me 3 statements. I stated to her that I do not have anything from them and continued to ask why if the original debtor is required to send me a statement before sending a bill to collections. Because I had received NOTHING. She became even more aggravated and told me that I should have seen in my insurance statement that they didn't cover everything. To which I questioned if it fell on my insurance company to bill me for what was not paid? I calmly ask again, is the original debtor required to send me an invoice and give me the chance to pay it BEFORE sending it to a collection company? To which the collector hung up the phone. 

I immediately called the number back and a man answered. I explained to him how I was just hung up on and requested to speak to a manager. He transferred the call to a voicemail, to which I left a message. 

I would hope that I have a right to be notified of and the opportunity to pay a bill PRIOR to it being turned over to these collection companies! Not to mention the manner in which Account Resolution Services handled my call was unexceptable.

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 2021-05-20 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: Army and Air Force Exchange Service
State: NY

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX Attention : XXXX  Dispute Department Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows credit inquirY that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
Today, XX/XX/2021. I was notified through my XXXX  subscription that there was an update to my credit report. Upon checking, I found an account that I did not recognize. With no contact information. I contacted the original creditor XXXX XXXX XXXX XXXX XXXX. ( I have never banked with this bank ). They said they will investigate. I'm waiting to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX I have contacted AutoTrakk in writing and have asked them to validate the alleged debt that they assume that I owe. I have also sent AutoTrakk a cease and desist and told them to cease all forms of communication with me through any and all mediums. Not only has AutoTrakk not responded to my request of them to validate this alleged debt, but they also continued to contact me even after I demanded them to cease all forms of communication with me which is in violation of 15 USC 1692c. ( c ). AutoTrakk is also in violation of 15 USC 1692g because they continued to attempt to collect on this alleged debt after I notified them in writing that I am disputing this alleged debt. Attached you will find their attempt to collect on this alleged debt on, XX/XX/2021. I have also attached a copy of the debt validation/cease and desist that I sent out on XX/XX/2021. I have also attached my return receipt which verified that AutoTrakk has in fact received my letter on XX/XX/2021. AutoTrakk has also continued to violate my rights by reporting this invalidated information to my consumer reports after receiving my letter in writing, which is an act of fraud. Due to the fact that AutoTrakk has completely violated my rights, under the FDCPA and FCRA. I am invoking my specified remedy as a consumer, and the original creditor and I am demanding that AutoTrakk does the following : XXXX out the balance on this account Deletion from all consumer reports Please advise this is NO LONGER a request for validation, being that AutoTrakk has violated my rights and continued to harass me while causing a substantial amount of harm to me as a consumer. This is NO LONGER a request for validation but a request for REMEDIATION. So again, I am invoking my specified remedy as a consumer, and the original creditor and I am demanding that AutoTrakk does the following : XXXX out the balance on this account Deletion from all consumer reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Ive been unsuccessful having Bank of America apply my lump sum mortgage payments appropriately to payoff the loan in full, stop being charged interest and receive the balance of my substantial escrow funds. Ive attempted on at least four separate occasions starting approximately XX/XX/XXXX to get an accurate payoff, after which I sent funds in excess of the amount required only to find that the funds were misapplied to a suspense account-effectively putting them in a XX/XX/XXXX account while B of A collects interest on my money. Each time Id get a new bill with an outstanding balance. And each time Id call back, ask what happened- B of A would say sorry, they didnt know where to apply the funds, theyre in a suspense account, Ill have it corrected, but you still owe {$890.00} Id send the new payoff. The next call, when the funds werent applied, went the same path with B of A apologizing for misapplied funds that went to a suspense account followed by a new payoff quote of {$10.00}. Undeterred I went to my local bank and wired {$100.00} ( 10x what they requested ) as per their wiring instructions. Again B of A promised resolution, payoff and my escrow funds. They got it wrong again. Instead of a payoff and funds I got a new bill with a $ XXXX balance. Im on the phone with B of A as we speak on XX/XX/XXXX. Guess what, same apology, same suspense, misapplied funds explanation saying well get it corrected, well give you proof of payoff and balance of escrow. I have zero faith this will be accomplished. My request : please get me proof of payoff and escrow funds, retro to my original request, along with any accrued interest. 
Please consider conducting a full audit of B of A servicing and control practices. If this is happening to me, a long term client ( who has never made a late payment ) Im fairly certain, other clients funds are being misapplied, mismanaged, perhaps costing clients hundreds of thousands of dollars in aggregate

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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I wish to complain about a credit card that was opened fraudulently in my name since XXXX of XXXX  and it's been reported as a derogatory report on my credit report. This incident happened in the year XXXX when i was about moving into my current home. I got a call from a man that claimed he worked for Bank of America and that he was calling to help me consolidate my credit card debt. He then explained to me that instead of making several payment, that i will be making a merged payment that will be disbursed into my other account. after the conversation, this guy went and opened fraudulent credit cards in my name, one from XXXX XXXX, and the other from Bank of America. By the time I realized that it was a scam, he had moved money from the Bank of America credit card, but i was able to close the XXXX XXXX. I reported the case to the police and they said there was nothing they could because he had always called me from an unknown number. I have done everything within my means to dispute this debt but it's still been reported on my credit report as a derogatory claim. I will appreciate your effort to intervene with Bank of America to remove this claim from my credit report. 

Thank You

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 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
This complaint is regarding my escrow account. Mr. Cooper made incorrect disbursements for the XXXX  tax year and failed to return the excess amount totaling {$9400.00} ( details below ). 

There are four disbursements for the tax year XXXX : MUD taxes for the amount {$2200.00} dated XX/XX/2020 , County taxes for the amount {$5100.00} dated XX/XX/2020, Mud taxes for the amount {$470.00} dated XX/XX/2020 , County taxes for the amount {$1100.00} dated XX/XX/2020. 

The published appraisal/amount due in XXXX for County taxes and MUD taxes are {$1100.00} and {$470.00}, respectively. The disbursements made on XX/XX/2020 match these amounts owed. The other two disbursements however, in the amounts {$5100.00} and {$2200.00} ( for a total of {$7300.00} ), are not reported as received or processed by the county tax office after contacting them directly, yet remain deducted from the Escrow balance. These payments were mistakenly made on Mr. Coopers part and should be refunded to the account. 

This is my second complaint regarding the issue ( see Case Number XXXX which was closed without resolution ). Following this complaint, Mr. Cooper provided a ledger for the account which clearly showed disbursements made in the incorrect amounts IN ADDITION TO a remaining Escrow balance of {$2100.00} for 2020 totaling {$9400.00} ( the aforementioned value of {$7300.00} + {$2100.00} ) I would expect to be refunded. 

I have contacted Mr. Cooper via phone customer support 5 times regarding the issue with no replies ( I am told to allow 7-10 business days and have not received one reply ). I have contacted Mr. Cooper via online messaging customer support 3 times with no resolve. I have previously reported the issue to the CFPB which was closed pre-maturely. I have contacted a customer relations specialist for Mr. Cooper and their investigation team directly - I was told to allow 30 business days for a resolution - today marks 40 days. THIS IS UNACCEPTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have a loan with ALLY, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called ALLY and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX  and XXXX, and ALLY with no successful resolution. XXXX XXXX  and XXXX reporting me having late payments. There was an error on their part. I was never late.

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 2021-05-20 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX suggests that I took out a loan in the amount of {$34.00}. on XX/XX/XXXX. They labeled this as a charge-off that is negatively affecting my credit. I have never attempted credit with that bankXXXX XXXX XXXX XXXX has an inquiry on my credit report dated XX/XX/XXXX. I have also never attempted credit with this institution either. XXXX XXXX is still reporting an account that was open XX/XX/XXXX.

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