vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Attempted to obtain online credit report from XXXX in XX/XX/XXXX. Had issues with the annualcreditreport.com site and was unable to login. Made calls in XXXX in an attempt to resolve. Odd thing is all numbers seem to be connected with TransUnion. Had no success and abandoned until this summer. 

Tried to access in XXXX, with no results. Tried again on XX/XX/XXXX with no success. Called support number for annualcreditreport number and again, appeared to be a TransUnion number. Spent over an hour making phone calls with no success, all TransUnion numbers. Finally decided to call the automated line and requested reports from 3 reporting agencies. Received XXXX and XXXX reports within 10 days. 
TransUnion was the ONLY one not to mail my report. 

On XX/XX/XXXX I created login in to TransUnion site : service.transunion.com and when attempted to access report or submit dispute request website stated " unable to completed online request ''. I spent 2 hours today, XX/XX/XXXX, calling the following TransUnion phone numbers, XXXX they told me that this was an online issue and had me call XXXX, who then told me that they could not assist but there must be some error that needs correcting on their end and to call XXXX who told me that they were unable to assist and redirected me to the XXXX number. 

I then searched the TransUnion site for support and called the following number XXXX, and talked to a man who persisted in recommending a password reset ( was not having login issues ) and several times he confirmed that I was on the service.transunion.com site before he finally disconnected the call with me after XXXX minutes. He wasn't rude, nor was I, but he was unhelpful. 

My complaint is that I I can not access my report or correct any inaccuracies. TransUnion is the only reporting agency that has made it impossible for me to access and monitor my credit health. What makes it worse is that they are the primary reporting agency that so many use when lending.

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 2022-08-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Patch Homes, Inc. dba Noah
State: CA

Complaint narrative:
I took out a loan from them in XXXX of 2021. I had a previous loan that the renegotiated with me. Since the one year from the first loan to the second, they had changed their funding formula. I went to great pains with their rep to make sure I understood this new formula, because it was different than the first. I wanted to make sure that it was comparable. They even created comps to show me how it compared to my old loan. How the total payoff was similar depending upon the loan amount. When I asked for a buyout amount, it was completely different. I'm including emails from the rep with these figures as well as the buyout offer and the contract. Let me know what you think.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I made a purchase at Macy 's in XXXX, ID for {$230.00} in XX/XX/2021. I paid with my Macy 's card and immediately paid the balance on the card with my debit card. I returned the items a short time later on and the cashier credited my Macy'a account. I don't use my Ma Macy 's card very often, so I asked the cashier how I could receive my money back. The cashier told me that I would receive a check in the mail in a few months from Macy 's for the amount of the credit if I had not used it. I waited several months and never received a check. I called Macy 's in XXXX of XXXX  to ask about the refund check. The woman on the phone looked at the account and said she saw the error and and offered to file a dispute. About 6 weeks later I received a check in the mail and assumed it was resolved. A couple of months later, I received a bill from Macy 's that showed me owing the amount of the refund check they issued. I was confused to say the least. I called Macy 's and the woman on the phone said she would file a dispute and that i should disregard the bill. The next month, I received another bill and disregarded it because that is what the woman said. The next month, I got another bill. I called again and i was told that Macy 's had credited my account even before they sent me the check. At this point, I told them I did not see that credit. They told me what days to look for the credit and I did, and did see the credit. At this point, I moved and did not receive mail for a few months. The next time I got a bill from Macy 's. it was for the initial amount PLUS fees and interest. That seemed ridiculous since this all started with THEIR mistake of issuing two refunds and then telling me to disregard bills and then trying to charge me for the time lapsed while they tried to figure it out. I have been trying to get this resolved ever since and e very month the bills just add more interest and fees. Macy 's makes the dispute process incredibly difficult on purpose and I have spent HOURS trying to negotiate with zero success. The debt has now been sent to a collections agency who says that I would need to fax them a dispute. I do not own a fax machine. I work full time PLS manage a XXXX acre farm alone.. I've wasted multiple lunch hours on this. I took today off of work to resolve this and feel incredibly frustrated. Every time i'm off work and try to call, they are closed. Whenever I call, I am speaking to an XXXX person who I have a very hard time understanding. Please 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 monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern : This new complaint is in response to a previous complaint filed during early XXXX of 2022 regarding a few claim cases I had with Chase Bank I paid Merchant for items that I never received. Chase Bank Executive Offices responded to my original complaint about certain claims I had ( attachment provided ). I accepted their responses for most of the claim cases. However, Chase stated that for one of my claims that were rejected, I could reassert the claim once I sent them a Cardholder Letter stating that I paid for items that I never received from Merchant.

I submitted the Cardholder Letter ( attachment provided ) to Chase Bank Executive Office, and I got a called acknowledging receipt of the letter and that their team will do further research. It has been 2 and a half months and I still have not received any updates ; I tried following up through email as well as calling and leaving a voicemail, to no avail. Any help or further investigation would be greatly appreciated as it has been stressful dealing with Chase bank and I feel like Im not getting the help, attention, nor service I need. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XX/XX/XXXX - unauthorized transaction on my account for {$110.00} using a debit card that had never left my apartment. I immediately attempted to cancel the card but there is no way to do this without calling Ally Bank. After waiting over 90 minutes to speak with a representative, they cancelled the card while also letting me know that there were multiple other pending charges that had been declined from that same night. Two days later on XXXX XXXX  another charge was attempted on that card. After another 60 minutes on hold, the representative informed me that the other charges were pending, not declined, and I may have to separately dispute them after they post. This is still on a debit card that had never been used. Ally Bank has made no statement as to how debit card information is being accessed for fraud purposes and their inabilty to manage this is a problem for all their customers.

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 2022-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I originally applied for an auto loan through Bank of America and was approved for an auto loan for up to {$53000.00}. I found a car at XXXX XXXX in New Jersey and the out of door price for the car came to {$44000.00}. The representative XXXX XXXX XXXX ) that was handling this transaction was in close contact with the loan rep ( XXXX XXXX ) and got the deal approved and ready to go. So I drove up to New Jersey from XXXX, VA to pick up the car. When I got there I met with XXXX and signed all the documentation and also was told that I need to get insurance for the car before driving off the lot. I called and got insurance through XXXX that cost me {$530.00} to initiate the insurance. XXXX then sent over the insurance binder to XXXX XXXX. This was all done on XX/XX/2022. 

Now I get a call on XX/XX/XXXX, XXXX from the Finance Manager at XXXX XXXX and they are telling me that Bank of America has not sent over the funds yet because Bank of America is only covering {$37000.00} of the car and I need to come up with the rest. I do not see how this is my issue when the sales rep and the loan rep approved everything before I drove all the way up to New Jersey and now they are telling me that I need to come up with the remainder of the money or return the vehicle. 

This has been impacting my livelihood in the worst way and is extremely inconvenient for me to go all the way out of my way to drive there for them to tell me this almost a month later.

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 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report was requested by someone other than me but claiming to be me. I called the credit agencies and verbally requested the ip address and any other identifying information regarding who fraudulently pulled my credit report. I have a suspicion it was my ex spouse. When I went to pull my credit report, there was a record of another pull and that was not me.

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 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My Name is XXXX XXXX and my company name is " XXXX XXXX XXXX '' I opened a small business checking account in Bank of America and after opened checking account closed forcefully with Fraudulent transactions happend in your account and they are not returned deposited money since two months sofar, It's large amount we kept for Closing one of our property while we are buying and now our closing not happend because of this incident, We have been calling Claims department every week, No proper response about the funds they hold, Please return our money ( {$160000.00} ) date holds funds on XX/XX/2022 and account closed on XX/XX/2022.

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 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Today XX/XX/22 I got an email from TD bank saying my new account should be ready for online and app use in 24 hours. I called td bank and the rep helped me and reported it. 
She gave my websites and telephone numbers to report it as identity fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I wrote full description outlining all crimes felonies rigthpath aka Mr Cooper aka national m mortgage did to XXXX XXXX Copying XXXX  exploiting extorting crimes as XXXX XXXX did, but it d I speared 2xs already. Combine all cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Lendmark Financial Services
State: WV

Complaint narrative:
XXXX. Ex husband in XXXX or XXXX got car loan. I was to be co signer not co borrower. Vehicle had issues from minute one. Lendmark financial held the loan.

2. Ex and I went to magistrate because bank sued. I wanted them to take vehicle because of issues and they wouldn't. Magistrate didn't even care. Slapped the XXXX onto the slate. Lendmark wasn't even there. No one represented the company. Illegal action one. 
XXXX. I left ex in XX/XX/XXXX. He took that car and my car and left with a friend one day. I never saw cars. 
XXXX. In XXXX we were finally divorced. He never showed for divorce hearings or anything. 
XXXX. I get this on my credit report. I call. They demand payment. Lendmark won't send bills or tell me amount. They won't give me receipts. They won't intentionally stop calling me XXXX XXXX as my last name because I demand it. It is no longer my name. I asked why they didn't go after ex XXXX XXXX and they said he called XXXX and said divorce Judge I was responsible. He never even came to a hearing or responded. There is no legal action but they took him at his word. Told me if I Have issue with it that it is civil. I gave them his address and contact info. Lendmark said nothing they can do with him. 
6. I disputed this on all 3 credit bureaus. Lendmark has it as an open auto loan that has been charged off with way more than what was left on loan. They don't know who I am to pay. They keep saying legal department will tell me at Lendmark. They won't even send me a bill. They said they don't know if I pay judge or them. They want their money. They won't contact ex. They won't change the status to closed on credit report and it just updated XXXX to say that is a new auto loan. They also told me that I have to call different numbers always. I call one and pay then they say here call this one. When I did pay XXXX the XXXX and XXXX the XXXX they said that they weren't sure but they may have to refund it.

6. Banker today laughed when I said I work for the government and need this cleared up. He said I was nothing. I swear the insults are bad as their illegal banking.

7. Proof of payment that they claim they may have to refund because it is charged off and they are taking it illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : social security number not mine XXXX FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Collection account. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Collection account. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} writte

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 2022-08-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC
State: CT

Complaint narrative:
Novad stopped responding to our emails as of XX/XX/XXXX. Our mother XXXX XXXX is now in a XXXX XXXX  as she has XXXX and needs 24 hour care. We sent NOVAD a letter via email on XX/XX/XXXX to state that XXXX would be vacating the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and moving into XXXX XXXX We initially requested a deed in lieu of transfer and submitted all documentation requested by Novad. We were told the process takes at least 90 days and not to contact them. Novad found an old lien on the property which was holding up the deed transfer process although they did not email XXXX XXXX, POA, for XXXX XXXX with any updates. We had to keep emailing to request a status. In XXXX XXXX had to apply fir XXXX as her assets ran out. We notified XXXX in XXXX that XXXX had no assets to continue to pay taxes and insurance and that if they could not clear the lien they would have to move ahead with foreclosure. XXXX denied the application and requested a letter from Novad stating that XXXX no longer had access to the home or the reverse mortgage funds. In XXXX Novad refused to send a letter and did not provide us with any status of the property. We emailed numerous times in XXXX to attempt to get a letter or move property to foreclosure XX/XX/XXXX was our last communication from Novad although we were told in XXXX by the property custodian assigned by Novad that they were no longer taking cate of the property and it was being turned over to HUD I emailed again requesting a status on the property in XXXX. No response from Novad. On XX/XX/XXXX I again emailed Novad and told them we were filing a formal complaint as they had stopped communicating to XXXX XXXX as of XX/XX/XXXX. This is unacceptable. I will attach copies of emails

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I disputed my credit report many times they never fixed the account and they always lower my score.when I use the credit card I pay the all the palance they never report that sometimes it takes them more than a month to do that and after I dispute that plus when I charge something anything on the credit card it goes on my report the next day they always ask for money to raise your score thats not right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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. 

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

15 U.S.C 1681 section 602 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 explanation