vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 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: GA

Complaint narrative:
As stated in prior letters and to the complaint to the CFPB, I have not requested validation, but VERIFICATION or a signed ( which can be electronic ) document bearing my legal signature I opened this account because this account was opened fraudulent by a person living in Alabama with SSN XXXX. I have additional accounts with XXXX XXXX  and all have stellar payment history. Further, with the letter included, the fraud department agrees there was third party use of this account. 

As requested, I have contacted XXXX XXXX XXXX and have requested ANY signed documentation showing I established this account and they have not been able to provide any details beyond billing statements. This alone and the reason I continue to protest this account is because it is damaging my credit rating and shows the clearest sign of fraud as I have never lived at the address where this account was opened, where the first billing statement was mailed, or in Alabama since 2004 after XXXX college. 

Since this account was turned over to XXXX XXXX XXXX as you stated, I respectfully request for XXXX XXXX to remove this account from my Equifax credit report and allow me to deal directly with them to resolve this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: KY

Complaint narrative:
I did not authorize the consolidation, my information on the application is incorrect, and I should not be made to pay a higher interest rate or have my credit score dropped ( already occurred due to the closing of my other accounts ) for something that I did not request. 


I was advised via a letter that a fraud investigation was completed and that Nelnet had confirmed that fraud or forgery was not committed in relation to this account. The decision was based on the following actions you took, which acknowledged the debt as my own : Applied for forbearance I was advised to do so per the Nelnet operator I spoke with on the phone who updated my address, phone number and email address. She said that the loan with be in forbearance while the fraud investigation took place. 
Consolidation of loans- I did NOT authorize my loans to be consolidated so this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Scammed..!! 

XX/XX/2019 Deposited cheque of {$6700.00} through Mobile deposit of BOA. 

XX/XX/2019 Cheque was cleared and I called and confirmed the same later which was added to the total available balance. 

XX/XX/2019 Made a XXXX transfer of {$2500.00} as the cheque was cleared and available. 

XX/XX/2019 Cheque went on hold and returned and also charge back fee of {$12.00} charged as Return Fee. 

XX/XX/2019 - Called BOA and reported about these transactions they redirected to BOA XXXX Department and asked to create a claim, created a claim and heres the claim number : XXXX for which they will take from 10-45 business days and without any guarantee that Ill be getting my money back. 

XX/XX/2019 Tried to get some help and approached home branch at XXXX, NJ they asked to schedule appointment during weekdays and shown no interest in assuring or guaranteeing about the claim money for {$2500.00}. 

XX/XX/2019 Again post scheduling the appointment with home branch my spouse had a quick conversation which again was not helpful and was a disguise. 

XX/XX/2019 - Tried following up with XXXX Department at Bank of America they responded that they where unsuccessful in getting the funds back from the other bank of the scammer.

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 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/2019 I bought a home with XXXX XXXX  at XXXX XXXX, XXXX TX XXXX. 
I would like to file the official complaint against XXXX XXXX and Eagle Home Mortgage for unethical business practices, as the home buying was not fair, and it was not at all transparent which resulted in mental anguish and monetary losses. I have listed my complaint in the details below : XXXX is unethical in its business practices. They have the finance company Eagle Home Mortgage. The business firms focus on the pursuit of self-interest of their owners : profit maximization by violating the individual rights. 
Taking advantage of customer by not disclosing closing dates and process in timely manner. XXXX home moved the closing date without buyer consent and not giving enough time to choose the lender, forcing the buyer to go with the XXXX i.e. Eagle Home Mortgage. 
Company employees XXXX XXXX, XXXX XXXX, XXXX XXXX threatening the buyer for consequences of losing the deposit and loan denial if buyer went with another mortgage company. 
Non-Disclosure of information related to home loan. Resulting in a tremendous amount of stress and anxiety for buyers that resulted in Emotional distress. 
Eagle Home Mortgage charged higher rate of interest and closing fee and don't gave the incentive they promised which resulted in monetary losses. 
Non-Disclosure of information related to the PID tax during the home sale price negotiation.

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 2019-09-23 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: GA

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX  XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have been a bluebird customer for over 5 years. When I started my account I was able to withdraw money from a XXXX ATM near in my area I live and not be charged. I recently noticed I have Avery high amount on my yearly atm withdrawal fees. 

For the fact when I opened my account I was able to withdraw my money without a fee. Now I have to pay the fee for the atm I use plus I have to pay the fee through bluebird. 

I'm simply asking for a one time reimbursement of some kind. I have {$250.00} in fees this year. Why is there no longer a XXXX XXXX atm in my area? why am I having to pay all the fees when there was one when I started my account? 

Ive used this card for years. I don't even want to know the total amount of this fee alone. But I'm not asking to be refunded all of it. 
I am asking to be refunded the last 365 days. 6 months atleast. On the future I will be aware of the fees and I will make myself accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
Hi, To who this may concern, On the XXXX of XXXX called and made a payment over the phone, and by mistake I made a payment with my account that I stopped using, and that account didnt have funds. So when I realized that there was no money in the account, I right away called back and made a payment with my new account, but I didnt know that the account has a different routing number, so I gave the old routing number, and after that I called multiple times to see why the money wasnt withdrawn from my bank account, and only after 30th day from my due date, you told me that the banking information was incorrect, so I updated it and the payment went through, and then I asked multiple times if you can remove this negative mark from my credit report, and you guys told me that you will remove it, I asked a few times but you still have not removed it from my report and my cosigner. 

I am applying for a mortgage now and it is really hurting my ability to obtain a mortgage so I ask if you can please help me and remove this negative mark from my report and my cosigners report, as I made a payment the only thing that was missing was the banking info was not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
On XX/XX/2018 I received a call from debt collector and they said I owe money for XXXX dollars on my XXXX XXXX credit card. The have been repeatedly continued. I attended to XXXX XXXX branch and talked about this matter, and they said that you have no debt on your credit card. Therefore, I insured that this is a fraud and as a result I ignored the collector calls. Now, I received a letter from them, after 10 months. The letter shows that I owe them {$2200.00}. 
I called them on XXXX and talked with lady whos name was XXXX. She asked me my new address and cell phone number, in order the specific department, which handles my case, reaching out to me. But she refused to give me more details and the department name and contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX never sent statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

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 2019-09-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

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 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Asset Acceptance sued me in 2012, however when I did not receive appropriate court documentation to be able to request validation and enter an answer with the court. Additionally, they filed a motion for foreign judgment in Florida, again without providing any documentation to the court or myself as to the nature of the law suit. Therefore I have been unable to verify if the debt is mine since 2012 and they have been awarded a default judgment against me without proving me the means to review information regarding the original complaint. I want all documents they submitted to the original courts that they used to validate the debt to be awarded a judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
During our house hunting, XXXX XXXX XXXX XXXX Rocket Mortgage verbally gave misleading information over the phone. The Loan Officer, XXXX XXXX, verbally gave me rates including points without disclosing his rates came with points. He also said our ARM would never go above 5 %, which later turned out to not be true. 

When we got our offer accepted on XXXX, XXXX asked us to sign a document quickly to ensure a quick loan process ( We needed to close in 21 days ). The document was not clear to us that we were opting into a loan origination fee ( points ). We had never discussed points at any time. The points were just slapped it on our application and we missed the fine print. Since we are first time home buyers we view this as predatory behavior as we did not even know what " buying points '' meant. 

I learned for the first time that I was paying for points while I was in my closing appointment, XX/XX/XXXX. The documentation from the title company made it clear we were purchasing points, RockatMortgage 's documentation does not disclose this info in a clear way. 

To give an anecdote of how in the dark I was, my loan officer suggested that I can do the ARM and refinance in 6 months. I am paying $ 10k in points. It would make no sense to refinance in 6 month and any ethical loan officer would not suggest such a thing. Or at least caution the pro's/con 's of buying points. 

Upon asking RocketMortgage to review, they agreed that my loan officer and I never discussed points. They also didn't refute the fact that I was told my loan would not go above 5 %. They offered no resolution. I find this to be a systematic condoning of misleading behavior of the loan officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
This complaint is about the updater services that all credit card companies use. Visa is working on resolving this in good faith, but there must be some better regulation of credit card updating services. 

In mid XXXX, 2019, my son who shares my credit card, received an email from the virus protection company XXXX telling him they were renewing his yearly subscription and would bill VISA for {$100.00}. He had not had a yearly subscription with them in at least the past 5 years, if not longer. 

I immediately called the VISA who checked and could find no charge by XXXX on my VISA card for at least 5 past years I'd had that card number. But, to be safe, they issued me a new card which I received end of XX/XX/2019 with a new number. 

Saturday, XX/XX/2019, XXXX charged us {$100.00} on my NEW credit card number. This is exactly the problem I had tried to avoid. So I called VISA again. At first, when I called VISA, I was told that getting a new card could not stop recurring bills. 

When I called back, I was told that recurring bills should only be able to charge for up to a year. Since there was no record of a XXXX charge as far back as the Visa representative could look, this meant that XXXX had committed a fraud on VISA and on me. 

VISA updater service had given my new card number to XXXX and allowed them to charge me, even though there was no history of XXXX, and I had gotten the new card to stop this fraud. 

These updater services are insidious and must be better regulated or they are nothing more than free and unbridled access for every merchant to the consumer 's pocketbook. 

Visa is now sending me a new card and going to stop payment to XXXX. I don't blame them, I think the updater services are at fault.

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 2019-09-23 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)
State: FL

Complaint narrative:
It started in XX/XX/XXXX but I have 9 hard inquirys on my credit report that does not belong to me as well as a loan threw XXXX that I wasn't aware of..my credit score has dropped 104 points in a month. Resulting in a balance of XXXX XX/XX/2019 for a balance of {$710.00} through XXXX as well as Are resources in I'm not aware ofI 'm not aware of XX/XX/2019 for a balance of XXXX threw XXXX  that I am not aware of

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Veros Credit, LLC
State: MS

Complaint narrative:
They dont ever put the APR on the statements so I have no ideas what rate Im paying. Also the amount that goes to the principal is never consistent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is an address appearing on my Experian credit report that does not belong to me. I sent several letters and even disputed it over the phone. Today, XX/XX/2019 I called to dispute this address over the phone and they would not investigate the 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 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J. Mark Heldenbrand PC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT THAT IS NOT MINE, INACCURATE AND THAT I DO NOT OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-23 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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