vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
I Received a letter of declamation on XX/XX/2021. The declination was from First Bankcard which is fFirst National Bank of Omaha stating they were unable to approve my credit card request and the reason for their denial was identifying information does not verify. I telephoned the bank to inquire with a credit analyst what particular information were they unable to very and was advised that the credit bureau did not have the date my Social Security number was issued. My spouse has been an XXXX  of major XXXX  for over 25 years and stated hes never witnessed such a decline especially since no attempt was made with me from them to obtain any verification. By the way, the date is printed on my Social Security Card. I feel if my name wasnt XXXX XXXX XXXX XXXX, maybe a little more effort would have gone into their review. Other banks have asked for my drivers license, income verification, and even my Social Security Card ... .. Im not in banking but to decline a potential customer, human being, a real person without a blink of an eye for such a pathetic denial reason, they should of just said they dont approve XXXX. My credit score is XXXX as youll see on the documentation attached. The analyst advised I contact XXXX  so my issue date could be added to my number. The representative at XXXX  had no idea what I was talking about. First Bankcard refused to re-evaluate their decision and advised I re-apply. That makes 0 sense. She also advised that my application was strong and re-applying was all she could say. Also please note, I called as soon as I received their letter. Mail is running 20-25 days here in state.

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 2021-01-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have gotten my unemployment benefits on this card and have not had a problem till now i changed my address online and us bank puts a hold on my card its been 3 weeks plus and have my unemployment benefits for a 2 week period they asked me for id verification i have send documents 5 times and every time its something else u told them about my id situationand how dmv in texas is by appointment only n all i had was a copy in color of my dl to today I have no access to my money I was not able to pay my bills cause i have no way to them this really frustrating n us bank has no action on they part every time i call they verify my identity so why cant they verify submitted documents thanks and any help will b appreciated ps.

Im attaching all the documents i send us bank

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 2021-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BCA Financial Services, Inc.
State: GA

Complaint narrative:
BCA Financial Services Inc. took it upon oneself to post reputation destroying information to all three of my consumer credit reports concerning an alleged debt without contacting me prior to this attempt of XXXX of my character and well being. Upon calling this debt collector in attempts to correct the inaccurate location information the debt collector proceeded in attempts to coerce me into paying on an alleged debt along with giving incentives like offering a settlement for less than the alleged debt. This account was posted to my XXXX, XXXX  and XXXX Credit Reports XX/XX/XXXX for the alleged balance of {$400.00}. I, the consumer, sent a letter to BCA Financial Services in XX/XX/XXXX and received a response on XX/XX/XXXX. I responded with a cease and desist, affidavit of truth, invoice of violations, exhibits of those violations in a certified mail return receipt on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Balance Owed : {$2400.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

XXXX XXXX XXXX Balance Owed : {$170.00} - This account was taken care of with original creditor prior to going to collection, this is an error please remove this account.

XXXX XXXX XXXX Balance Owed : {$58.00} - Delete this unknown account unless you can provide me with proof of a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX  XXXX - Inquiry XX/XX/XXXX XXXX  XXXX - Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX -Inquiry XX/XX/XXXX XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX/ XXXX Inquiry XX/XX/XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX/ XXXX- Inquiry XX/XX/XXXX XXXX XXXX  inquiry XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX/ XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX - Inquiry - XX/XX/XXXX XXXX XXXX inquiry -XX/XX/XXXX EQUIFAX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX  XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX XXXX - Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX I mailed letter to each bank requesting proof of inquiry, and verification of my signature however no response has been received. I am unable to contact each bank by phone as they report they can't verify my information via telephone. All attempts have been made with no success. Please advice what to do next. I have no accounts related to inquires made with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX Balance Owed : {$2400.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

XXXX XXXX XXXX Balance Owed : {$110.00} - This account was taken care of with original creditor prior to going to collection, this is an error please remove this account.

XXXX XXXX XXXX  Balance Owed : {$58.00} - Delete this unknown account unless you can provide me with proof of a contract with my signature.

XXXX XXXX XXXX  Balance Owed : {$260.00} - Reporting unknown which means it's incomplete, please delete this account.

XXXX XXXX XXXX Balance Owed : {$170.00} - Your records are revealing conflicting and incorrect information compared to other bureaus.

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 2021-01-13 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Dear Sir / Madam I recently obtained a copy of my credit report from XXXX  It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report.

( 1 ) JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX( 2 ) JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

Personal statement ( s ) XXXX & XX/XX/XXXX XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13 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: CA

Complaint narrative:
On XX/XX/2020, I sent a 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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these 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 the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC

Complaint narrative:
My names are : XXXX : XXXX : XXXX : and I live permanently in : XXXX : in XXXX under postal address : XXXX XXXX : XXXX : XXXX : under my names : XXXX : XXXX : XXXX : and I utilize my names as such also under : XXXX XXXX : where I have an insurance against theft for : {>= $1,000,000} : and I have a remittance fund at the :XX/XX/XXXX : for : {>= $1,000,000} : from an initial bond of : {>= $1,000,000} : from my : MEGA Millions Lottery : prize winnings which was a larger sum as the Jack Pot on the day of my lottery winnings was declared to me and my bond for {>= $1,000,000} was issued to me for me to redeem by the : Federal Bureau of Investigation : as such I purchased a condominium on XXXX XXXXXX/XX/XXXX: under :XX/XX/XXXXXXXX : in XXXX XXXX on Zip Code:XX/XX/XXXX: in United States under my names : XXXX : XXXX : through : Quicken Loans : under loan number XXXX : on the Date of Purchase of : XX/XX/2020 : and I had also paid my student loan re finance from my : {>= $1,000,000} : at the : XXXX XXXX XXXX XXXX XXXX also through : Quicken Loans : for : XXXX : by : XX/XX/XXXX Here : under reference number XXXX : under my names : XXXX : XXXX : under invoice XXXX : such that my two loans should be declared to me by Quicken Loans so I would like for you to force Quicken Loans to declare my home purchase to me and I am conversant with the issues of safety as the Coronavirus has ravaged the United States than any other country however the response that I receive fro Quicken Loans has made me to lodge a complaint as my home purchase loan should be paid and my documents and notifications should be forwarded to my e-mail address : XXXX : such that I can be allowed to emigrate to the United States from XXXX to go and reside in my condominium under my names : XXXX : XXXX : in XXXX : so please assist me as I submitted my case to : XXXX XXXX XXXX at the office of : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX and I contacted other law firms at XXXX XXXX previously to seek their intervention thank you sincerely : XXXX : XXXX : XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
MULTIPLE County Tax payments were made against my account recently for 5 properties. But 4 of those properties I DO NOT OWN! 

When I reviewed my Escrow account back in XX/XX/2020, I noticed there were 4 EXTRA properties Mr. Cooper had paid Property Taxes on that should not be on my account. I only own one property and my previous lender sold to Mr. Cooper only one property ; therefore, I should only have one Escrow account ( one parcel, one property ). 

Because of the extra 4 County tax disbursements that were made against my account, I also see a very large Escrow shortfall ( over {$5000.00} ). I've made every effort to contact the Escrow department multiple times, but they continue to give me the runaround that XXXX is involved and they can not get any additional updates or feedback on what is happening to my account or obtaining a refund. I've made phone calls almost every other week to the Escrow department and was assigned to an " Executive Escalation Specialist/Manager '', but the updates and timeframes that were given to me have passed and NO NEW UPDATES have been given to me on when this will be resolved. 

I want the negative Escrow balance fixed ASAP. If it can not be fixed in a timely manner, I'd like to be given a new account number where we can start fresh. I DO NOT feel I should have to suer to have to wait for the County to refund the money for an error on Mr. Cooper 's part. 

What upsets me is that this was NOT MY ERROR. In addition, what also upsets me is that their representatives have said we need to wait for the County to refund the money. Mr. Cooper should either provisionally credit our account so that we do not have to see that negative balance OR go ahead and start a new account for us so we can start afresh and not have to experience this MESS they created. This whole incident raises both ethical and legal issues that have not yet been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: NV

Complaint narrative:
Dear Sir / Madam I recently obtained a copy of my credit report from XX/XX/XXXX It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

US BANK CONSOLIDATED All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Personal statement ( s ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2021-01-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX* Balance Owed : {$0.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} -This account has been sold or transferred but has past due balance instead of XXXX balance, please remove. 

XXXX XXXX Balance Owed : {$1400.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX XXXX Balance Owed : {$22000.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX XXXX XXXX Balance Owed : {$4200.00} - This account was sold but still reports a balance, please delete this account. 

XXXX XXXX Balance Owed : {$8200.00} - I am not the owner of the account. Remove this account. 

XXXX  XXXX Balance Owed : {$5700.00} - I have no knowledge of this account, please delete this account. 

XXXX XXXX  XXXX Balance Owed : {$11000.00} -This account does not belong to me, please delete this account. 

XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} - This account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history is inaccurate. These are all violation please delete. 

XXXX XXXX XXXX XXXX  Balance Owed : {$3600.00} - Balance Reported incorrectly, you have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX Balance Owed : {$1000.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX  XXXX Balance Owed : {$150.00} - I have no knowledge of this account, please remove this account. 

XXXX XXXX  XXXX Balance Owed : XXXX - This account does not belong to me remove this account as soon as possible. 

XXXX  XXXX Balance Owed : {$4700.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$64.00} - Reporting unknown which means it's incomplete, please delete this account. 

XXXX XXXX Balance Owed : {$2500.00} - Delete this unverified and inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXXXXXX Balance Owed : {$0.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXXXX/XX/XXXX XXXX Balance Owed : {$1500.00} -This account has been sold or transferred but has past due balance instead of XXXX balance, please remove. 

XX/XX/XXXXXXXX* Balance Owed : {$22000.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX XXXX XXXX* Balance Owed : {$4200.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XX/XX/XXXXXXXX Balance Owed : {$8200.00} - This account was sold but still reports a balance, please delete this account. 

XX/XX/XXXX XXXX Balance Owed : {$2400.00} - I am not the owner of the account. Remove this account. 

XX/XX/XXXX XXXX Balance Owed : {$3600.00} - I have no knowledge of this account, please delete this account. 

XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} -This account does not belong to me, please delete 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 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX, I sent a 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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these 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 the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person

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 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was originally hired by a construction company to do work to be a virtual assistant. The guy sent me a check by email and asked me to deposit it into my account so I could buy equipment to start working next week. Check was deposited and my account was automatically restricted and frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Balance Owed : {$1800.00} This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXXXXXX XXXX Balance Owed : {$2800.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX/XXXX XXXX Balance Owed : {$1000.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance Owed : {$0.00} This account must be delete immediately due to years of late payments after account was already closed. 

XXXX XXXX Balance Owed : {$0.00} This account does not belong to me, please delete this account. 

XXXXI XXXX Balance Owed : {$160.00} Reporting unknown which means it's incomplete, please delete this account.

Company response to consumer: Closed with explanation