vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/22 - I was notified by my local postmaster that a temporary change of address was processed in my name on XX/XX/22. The postmaster cancelled that request on XX/XX/22. 
XX/XX/22 - I ran my credit reports and found a hard inquiry ( on XXXX ) by JP Morgan Chase Bank for a credit card on XX/XX/22. I contacted Chase, and they closed the account. 
XX/XX/22 - I checked XXXX again and found another hard inquiry by XXXX XXXX XXXX for a credit card on XX/XX/22. I contacted XXXX, and they closed the account. 
XX/XX/22 - I contacted all three credit reporting agencies and put a freeze on all of them. XXXX recommended I file a complaint with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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:
Equifax has violated my consumer rights under 15 usc 1681 ( A ) ( 4 ) The right to fairness, impartiality, and a respect for my right to privacy. There reporting false and inaccurate accounts on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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:
I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some items that are not mine. The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. According to FCRA section 605b, the credit bureaus must block or delete any items mentioned in an identity theft report. To aid with the blocking of the fraudulent items that were discovered on my report, I have included some documents. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I was checking the balance on my prepaid VanilaGift card at approx XXXX on XX/XX/2022. I clicked on the first website ( it said ad... mimicked the official site ). I put in my card info and it didn't give me the balance ... .i looked closer at the web address and it said Vanillasgift.com instead of Vanillagift.com. AGGHHH I immediately called the number on the back of my card ... while I was on hold XXXX was taken from the card. Finally after about 20 minutes a customer service guy answered to tell me he put my card on hold and that I would need to call back tomorrow to dispute the charge. I asked why I couldn't dispute it now? Don't pay it! He said that's all he could do.End of call. I called back and asked the young woman, that answered after 20 minutes, why do I have to wait until tomorrow? I explained the fraudulent site to her as well. I asked her please to not let the thieves get the money... stop the charge! She said I could call the merchant ( UHHH nooooo! they have a fraudulent website ) She said that the merchant 's name is ANY SENSE ( ouch ) that they are out of Georgia and their phone number is XXXX XXXX XXXX ( careful!!! They are scammers ) She also said to call back tomorrow after they post the charge. I pleaded for them to not pay the scammers. She informed me that they would have to willingly give back the money. AGGHHHH I will dispute the charges tomorrow as they told me to. I can not afford this loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is about my online account. To access my online account I must provide a XXXX XXXX phone number so I can be sent a temporary code. Since I am currently in XXXX XXXX XXXX I do not have access to the phone that is registered with my account. In this case there is no way that I can access my account online. No alternat solutions are provided to verify my identity such as email, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
My VA mortgage is currently held by BSI Financial Services. We made our payments in XXXX and XXXX but, there was a shortage due too escrow under payment. Instead of making payments and trying work with us, they held the payments, did not apply them in XXXX or XXXX, reported us as late to the credit bureaus and continued to charge late fees and are as of today, XXXX, they are still holding funds, unapplied, to XXXX. We caught up the escrow payment 5-6 days ago, that amount is still unapplied as well!! Need assistance as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
Several weeks prior to today XX/XX/2022, I talked to US Bank about making sure my accounts did not get over drafted so I wouldnt get fees. She assure me that they would not. Fast forward to today XX/XX/2022, I noticed my checking account was overdrawn because a reoccurring debt that I have set up for auto draft was pushed through I called customer service they said well sometimes that happens anyway and youll still get an overdraft fee but theres nothing we can do about it I said that makes no sense how can you tell me that its all shut off and I opted out of it so I wouldnt get fees and here they are still forcing certain transactions to go through so you were forced to pay fees and become even more in debt to me that seems like 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 2022-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My auto debt was originated with Sun Trust Bank. Truist Bank later purchased this debt servicing. When I try to resolve the debt with the charge-off department is not available. The contact information is nowhere on the website. You have to call and be placed in an automated queue. This continues to negatively impact my credit. This appears to be a deliberate act to keep accounts open infinity for leverage while shadow-banning my credit worthiness.

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 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PulteGroup, Inc.
State: FL

Complaint narrative:
We stated specifically that we were looking for a home that was completed at the latest end of XXXX because our son was starting school. We signed the contract for a new home XX/XX/XXXX and given a range for closing of XXXX. During that time we applied for a loan using their lender to get the XXXX as show as an incentive for using their lender. During this time we also were contacted by Pulte insurance and started the process of getting home owners insurance through them thinking its all in out and would make things easier. Since doing that the insurance has been given closing dates of XX/XX/XXXX and XX/XX/XXXX. After confronting both XXXX mortgage and our sales consultants with the same dates shown on the documents we were told that those aren't actual dates. During this whole time XXXX has been offering incentives to bring down the rate for new home owners. Like offering 4.625 %, 4.25 % and currently 3.875 % to help entice buyers. Today XX/XX/XXXX I went in and confronted our sales agent about the closing date and lack of communication. I was told that the current offering doesn't apply to any homes within that community because they wouldn't be finished in time. Which begs the question why show the promo on the community page as if it was offered. When also questioned if we would be able to get one of those rates instead of buying the rate down we were told that is only for new customers. After review of the fine print no where does it state " new customers only ''. As of today we still do not have a close date and have paid to lock our rate that ends at the end of the month. I was told during my conversation with the sales agent that the builder has 2 years to complete the house and they pushed our range out again from XXXX to XXXX. Because of this move we will end up having to potentially pay more to continue to keep our rate locked at a higher rate then they are currently offering. If they weren't holding $ XXXX of our money we would be looking at a different home.

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 2022-08-04 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: FL

Complaint narrative:
I attached an FTC with inquiries I did not authorize

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 2022-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
On XX/XX/2022 at approximately XXXX, I received a phone call from who later discovered was Midland Credit Management XXXX They asked if I was XXXX XXXX, and I asked who they were, and they said they were with Midland Credit Management, and asked again if I was XXXX and if I was XXXX XXXX 's husband. I asked again, why they were asking and what it was about, they said it was regarding a financial business matter with XXXX and asked again if I was her husband. I finally said that I was XXXX 's husband, and then they said they were with Midland Credit Management calling about a debt with XXXX XXXX Credit Card with a balance of {$840.00}. They then asked what the situation was to make us fall behind and how we were going to resolve this. I told them they were violating federal and state laws by talking to me about her debt and not to call me again. The representative kept on and told me that if I live in Arkansas they can talk to me about it. I told them that they were violating federal law by talk to me and they didn't need to contact me again. They continued to try and talk to me about her debt, and finally I told them that I would filling a complaint with the Arkansas Attorney General, US Attorney General, FTC, and filling a lawsuit for violation right under the FCRA and FDCPA, and hung up. 

This is in clear violation of Title 15 USC, Chapter 41, Subchapter V, Section 1692b ( 2 ) and Section 1692c ( b ), which states that they may only ask location and contact information from a 3rd party, but may not disclose any information relating to the debt, like creditor name or amount of debt. Arkansas has a similar law, ACA 17-24-504 ( b ) and 17-24-503 ( 2 ), which says pretty much the exact same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am in XXXX. XXXX. The Bankruptcy court however did NOT REQUIRE me to send mortgage payments to the XXXX. I AM paying them directly thru my personal account. Thus allowing me to be XXXX XXXX. I HAVE BEEN paying them and not misssed payments on these two. One was Opened in XXXX XXXX XXXX XXXX  ) as an equity loan. Trans Union IS NOT SHOWING this loan or my # XXXX mortgage loan ON MY Credit Reports!!! They are Not listed so I have NO credit history or a FICO score. 

The bank ( XXXX ) along with an attorney of mine several years ago tried to rectify this problem. TransUnion has IGNORED this problem. 

The main mortgage on my home is also NOT SHOWING on 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 non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: CA

Complaint narrative:
Equifax has assumed this role without my permission, and did not exercise their GRAVE responsibility. They have been UNFAIR and IMPARTIAL and did not protect my privacy. 

Pursuant to 15 US 1681B ( 2 ) In accordance with the written instructions of the consumer to whom it relates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Uplift, Inc
State: AK

Complaint narrative:
On XX/XX/22 I received a phone call from XXXX at XXXXXXXX XXXX, I called back at XXXX. They left no voicemail and I've received no letters from them. It took several minutes just to get the caller to name the original debt which they state is from Uplift Inc to the tune of {$500.00}. I have not received any communication from Uplift for over a year. I told them I wanted verification of the debt and the woman argued that I needed to provide her a reason for my dispute so that they could provide verification of the debt. I reminded her this is not the way that it works. I am allowed by law to request a verification from a debtor, especially XXXX I haven't heard from an over a year and I don't have to provide a reason, they are required to provide it. This went back and forth for a minute with the debt collector arguing with me when I told her I am a legal assistant, it is the law they have to provide me validation in writing and that Alaska is a XXXX party state for phone conversation recording she ended the call. I don't believe I owe this debt but, I also believe it's a violation to try to 'talk ' people out of requesting verification. There is nothing in the law that requires I give them the reason for my dispute prior to reviewing what they allege to have. For all I know this lady is a scammer given the odd fact that an entirely different company called me for the same alleged debt that very same morning and couldn't rationalize why I had XXXX debt companies calling me on the same day for the same amount of money from the same creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, EXPERIAN has violated my rights. Title 15 U.S.C 1681 section 602 A, states I have the right to privacy. Title 15 U.S.C 1681 section 604 A Section 2 : It also Staes a consumer reporting agency can not furnish an account without my written instructions and/or written consent. 

EXPERIAN is in violation of FCRA Section 611 Part ( A ) ( 1 ). 
on XX/XX/2022, XXXX certified mail envelopes regarding many discrepancies on my consumer report where sent over to EXPERIAN. I have signed green slip receipts showing they accepted my mail. However, my EXPERIAN consumer report never reflected an ongoing investigation. After, 30 days and even an addition XXXX, EXPERIAN, never responded or sent me any correspondence with any of the XXXX matters.

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 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: ND

Complaint narrative:
They said they would send me forms and I never received anything, I don't know how to access half this stuff, I've tried making payments and they just kept sending them back. When I've called I get some flunky who just works there at night, as I work from XXXX. to XXXX. and I am not allowed to call on my cell phone during that time. If they found it to be IMPORTANT they should have contacted me through my job phone because they do have it. They are just anything but helpful. They didn't even give me any options like refinancing or anything. They just told me to fill out some forms online, and well anytime I'd fill one out it wouldn't go through. So I asked for them to send them and NO ONE SENT ME anything. US Bank is a waste of my time.

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 2022-08-04 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX Card/ XXXX XXXX $ XXXX DISPUTED XXXX  XXXX Bank/ XXXX XXXX $ XXXX DISPUTED XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX Bank/ XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED OXXXX XXXX XXXXXXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX/ XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXX PAID 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-04 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXard/ XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX Bank/ XXXX XXXX $ XXXX DISPUTED XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX Bank/ XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXX PAID 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We purchased our home on XXXX XXXX yet there was nothing in the system of the Veterans Administration until XX/XX/XXXX. Therefore 2 years of payment was never accounted as paid.the last assignment documentation was never recorded in The Superior Court of XXXX County.A copy of any Assignment Assumption Agreements concerning the securitization process of my loan What is the Chain of the Securitization on my loan? Who are the Trustee/s of loan and or Trustee of my Deed and Trust from the life of the loan? 
Has my loan ever been through Bifurcation at any time for the life of the loan? 
When the loans are securitized, they are sold on XXXX XXXX, and are bifurcated. The note is destroyed because it can not exist both as a stock and a note, so the mortgage is unsecured. Our house can not be security for an unsecured loan. Unless the bank is holding the mortgage as a portfolio loan, it's been securitized. This is what we have been saying from day 1 in ignorance of this wild scheme of a game. By using MERS they have split the Note and Mortgage= Bifurcate. 
BOFA MERRILL LYNCH ASSET AND HOLDING DECLARED TO BE THE OWNER THEREFORE WHO OWNS THE DEED OR nOTE OF TRUST

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