vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 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: NC

Complaint narrative:
I was looking at my credit report and I notice the following inquiries in which I don't have any accounts nor did I apply for credit with them. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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:
I was looking at my credit report and I notice the following inquiries in which I don't have any accounts nor did I apply for credit with them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX I received a several emails from Bank of America concerning a bank account that was opened under my name. I call them within minutes to find out more information about it and to report this fraudulent activity. The associate at BoA was able to flag the operation but was unable to provide a written confirmation nor a descriptions of the actions taken. 

I requested for any information about the origin of the fraud but was denied to obtain it. I asked about how could someone could open an account with BoA and was told that the account was opened online. I informed the associate that I have an Active Freeze on my Credit Report and asked how come someone could open and account online with BoA if I have a Credit Freeze. The answer was that BoA web services do check on Credit Freeze status. 

I demanded why I was being denied access to any information about the fraudulent activity such as emailed used, location, time, etc abut the thug impersonating me was not asked for any verification beforehand. The answer was : Silence. I requested to speak to supervisor and was denied access. The answer : Not possible. 

After insisting on my demands and a few more minutes on hold, the associate informed me that she filed request on my behalf to request additional information but that the request had to go through an approval process that would take between 5 to 7 business days. 
Total lack of respect. Total lack of security. Total disregard for consumers. Defenseless against corporations.

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 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
i used my pnc bank debit card to make a purchase for XXXX at XXXX. the item i purchased stopped working about a week later. i went back to the store with my receipt and tried to return or exchange it. the store refused and said no returns on open electronics but the policy online says i have 30 days to return an item for an exchange or refund. i contacted pnc bank and was told i was protected for damaged or defective items as long as i can provide proof of purchase and date of purchase. so i filed a dispute and was told that it would take 45 to 90 days for a resolution and within ten days i would be issued a provisional credit pending the outcome of the review i called this morning to check on the status of my case and was told it was denied but refused a reason as to why. i was never able to provide documentation as to my side of the case. i feel that these actions violated my financial due process rights under XXXX XXXX laws and demand an inquiry of this matter and a reversal of this decision

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
I received an official debt collection letter from " The CBE Group, Inc '' address XXXX XXXX  XXXX, XXXX, IA XXXX. It states that I owe {$45.00} for account # XXXX to a company named, " XXXX XXXX '' dated XX/XX/21. 
I have no knowledge of this debt or the named company. I have no intention to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, consumer, original creditor, in fact did not consent to, authorize nor benefit from any of the following inquiries, accounts, and late payment. There was no consent nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.

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 2022-03-18 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: NC

Complaint narrative:
I have contacted XXXX and XXXX in reference to my information being used but not authorized. I was given a letter to submit. I have submitted. I was told to check my inquiries in 24-48 hours to see it removed. it is still there. This is hindering myself from being able to secure a place to stay. These items are unfavorable and according to 15USC1681, this is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: OH

Complaint narrative:
I XXXX XXXX consumer, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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 2022-03-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
I paid all 36 installments for the lease of my car to Mercedes Financial. The last installment was paid on XX/XX/XXXX. After I returned the car on XX/XX/XXXX, I was charged an extra installment for {$490.00} on XX/XX/XXXX. When I asked MB financial about the charge they said the value of the car has changed and dealer is not paying them enough. 

They asked me to work with the dealer even though I have not paid the dealer the extra installment. This is a very deceptive and unfair treatment as I am made to run around for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: NC

Complaint narrative:
I have contacted XXXX and Transunion in reference to my information being used but not authorized. I was given a letter to submit. I have submitted. I was told to check my inquiries in 24-48 hours to see it removed. it is still there. This is hindering myself from being able to secure a place to stay. These items are unfavorable and according to 15USC1681, this is unlawful.

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 2022-03-18 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: NY

Complaint narrative:
On XX/XX/2022, I sent letters to the consumer reporting agency to notify them about the wrong personal information on my consumer report. I even attached a copy of my driver 's license. It's very frustrating and affects my life. I want my personal information to be corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I contacting CFPB because XXXX XXXX  XXXX has me listed as being late 30 days back in 2017 and that is not accurate. I have never been late with them. I reached out multiple times to have it resolved but it's still on my report. This is causing major issues as i'm trying to purchase a home. Thank you for your help!

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 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
Bank of the West has been charging me {$35.00} fees for transactions unknown to me of origin. I have contacted their support but just get no help at all. As a result I have quit using the account completely but I keep getting {$35.00} fees charged for these transactions. Now today I was informed If the fees aren't paid in 5 days they charge extended unpaid fees. The only money owed is their fees amd I refuse to pay. I would list the charges here but there is wo many ( many I paid in the past months ) its un manageable and I feel they are taking advantage of people. I have written them informing them of the laws about frivelous fees with banks but they do not acknowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One closed all 3 of my credit card accounts without any warning in XX/XX/2021. I had been a Capital One client for several years until all my accounts were abruptly closed. Until then, I had impeccable payment history. I used 2 cards for myself, and my brother was an authorized user on the third. All my cards were closed because my brother, who had been making timely payments until XX/XX/2021, was unable to make payments because he became very sick with XXXX. He also got XXXX brain, which is a well known long term neurological complication of XXXX, and lived in a brain fog for months. He had payments through automatic withdrawal, and the payments were declined because of NSF. He did not realize that he did not have money in his account because of the brain fog. His business also suffered immensely for the same reason. Because of nonpayment, all 3 cards were closed down. As I am the one responsible for the payments, I have been making payments to the card since then. I took over payments as soon as I found out about the missed payments. However, even though he is an authorized user and I am the primary account holder, neither of us were contacted by Capital One even once. 

I just found out about my brother 's illness last summer. He was in Arizona and I live in Illinois. He told me about his illness last week, as he finally seems to have recovered completely. I had requested a reinstatement of my cards earlier based upon my payment history, which was impeccable, prior to the missed payments. I requested it again with the new facts, and got a refusal again. 

I am an XXXX Department physician. Although unimaginable as it might seem to me, it does look like Capital One missed the pandemic. I am sure my brother was not alone in failing to make payments because of XXXX. A person suddenly stops making payments in the age of XXXX and Capital One 's response is to cut the credit card. Appears to me to be a violation of the CARES Act, not giving a client the chance to make payments and acting punitively against a XXXX patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Please refer to case number XXXX. 

I am opening a new case as there is new information. 

The dispute is around lot line adjustments. Rocket mortgage allows all types of lot line adjustments except the one I need to do. This is clearly prejudicial and harmful financially to me. 

And I put in a complaint with XXXX XXXX, the owner of the loan, and they agree. 

You may contact XXXX XXXX to verify. My case number is XXXX. XXXX presently says they will make an announcement, and clarity that servicer 's need to do this type of lot line adjustment. But there is no time frame and I need to start the project. 

I want to trade land in the front ( I own XXXX XXXX ) for land in the back. Essentially, I own XXXX XXXX in front of my house and not my backyard. I am trading an equal amount. 

Reason : the house was built in XXXX and there was not good surveying at that time. 

Even though XXXX has told Rocket the announcement is coming, Rocket Mortgage refuse to move forward with my lot line adjustment and this is clearly prejudicial. 

Please reopen the case. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-18 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: Bureau of Accounts Control
State: NY

Complaint narrative:
BUREAU OF ACCOUNTS COLLECTION IS COMING UP ON MY CREDIT REPORT LAST SHOWING REPORTED XX/XX/2022. THIS COMPANY IS A DEBT COLLECTION AGENCY FOR A DOCTORS OFFICE. THIS DOCTORS OFFICE FRAUDELENTLY RAN MY CREDIT CARD AND REFUSED TO BILL MY INSURANCE COVERAGE FOR SERVICES RENDERED. THE BALANCE SHOWING ON MY CREDIT REPORT IS INACCURATE. I HAVE TRIED CALLING THIS COMPANY SEVERAL TIMES AND THEY REFUSE TO GET BACK TO ME, REFUSE TO UPDATE THE ACCOUNT BALANCE AND MOST IMPORTANTLY THIS IS A MEDICAL CLAIM THAT SHOULD HAVE WENT THROUGH INSURANCE.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was sent two separate cash app transfers from XXXX XXXX {$2000.00} and XXXX XXXX {$1000.00} on XX/XX/2021. Before I could deposit the respective amounts to my bank account someone hacked into my account and bought bitcoins with my transfers. I have tried calling cash app many times but could not get any help. I travelled out of the US on the XXXX of XXXX and just got back. while I was away contacted cash app through the mobile app but no resolution was provided. I do not have a bitcoin account and never had a bitcoin account. I recommended cash app ( square ) to reverse the transaction since it took place on their app but they say they could not. Both senders have also tried to recover their respective transfers from cash app but their efforts have been futile. I would like cash app to either send me the transfers or refund the senders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase has been an absolute nightmare in servicing my loan. I closed the loan in XX/XX/2021. Since that time Ive had a number of issues with reamortizing the payment and getting the escrows paid out of the escrow account set up at closing. What is more annoying, and the reason I am contacting you today, is that they continuously apply my payments incorrectly. Every month I pay my mortgage a week or two early. Each month instead of applying my payment correctly they apply the whole thing toward the principal and then mark me as unpaid. Ive attached the most recent example. For the payment due XX/XX/XXXX I paid it on XX/XX/XXXX. Instead of applying that payment to the XX/XX/XXXX payment they applied it to principal and then marked my XXXX payment as not made. If this was a one time event Id assume it was just a banking mistake but its not. This is just the most recent example. In the past 6 months I believe they only applied one payment accurately. Every month I have to call them, have them reverse the payment and apply it correctly and waive the late fees. I prefer to send a check from my bank but Chase Escalation department suggested I use their online payment system. Ive given up on them doing this correctly by check so begrudgingly I now use that online system. Well, here we are, using their online system and still having the same issue. I believe they are either purposely not applying payments correctly in order to obtain late fees OR they are utterly incompetent at payment processing. It has become a part time job following up with them each month and its to the point where I have the hold music memorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I called Chase and spoke to a customer service representative on XX/XX/2022 and then asked to be transferred to a supervisor, spoke to XXXX from the XXXX XXXX, TX service center. She understood my complaint and said the " back-office '' would have to handle it and they would get back to me within 7 calendar days. She asked if I wanted to be called or have a letter sent to me regarding this issue. I requested to be called because I wanted to be certain they understood the issue that occurred. I was given a Chase ref # XXXX and asked for a phone number to contact them and she said they don't have a number I can reach them at to check status of the above reference number and that I had to call the number on the back of my card. I called back today, XX/XX/2022, because I had not received a call from the " back-office '' and it was beyond 7 calendar days. Again, this is yet another process that Chase does to dismiss issues and complaints when it's obvious they have done something that was not aligned with the terms and conditions of the agreement and/or Chase 's standard protocol. The second supervisor I spoke to was XXXX again from the XXXX XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: OH

Complaint narrative:
I XXXX XXXX consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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 2022-03-18 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: OH

Complaint narrative:
I XXXX XXXX consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.

Company response to consumer: Closed with explanation