vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I never gave authorization to be added to this account, please remove me as an Authorized User and remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
we got a covid related forbearance in XXXX of 2020 for my husband mortgage. He pasted away from covid in XX/XX/2020 - I was receiving past due notice but Arvest said that we auto generated. My name was not on the loan but I had power of attorney and submitted will etc.. They asked in XXXX how i wanted to take care of the past due balance ( 6 month of payment for the forbearance ) the gave me a defferal option which is what i opted for. They said I would be getting the paperwork in the mail within 2 weeks - my forbearance ended in XXXX and I began making the payments on the account - they talk to me about the loan but said I was on the loan and I wasnt named successor because of probate etc. My attorney advised me that I was and drew up a administator deed for me and that allows me to act in full interest which is what Arvest said I needed to make the defferal or modification to the loan. I did everything they requested and still wont allow me to do modification or defferal on the past due balance on the mortgage and said they were going to forclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
The incomitance of the staff working for this company is ridiculous. I call and get transferred around like a BB in a box car and no one has any helpful information on refinancing my loan. 
Can my loan be refied? 
Can I change it to a 15 yr? 
i understand the Federal Gov extended the forbarence time until XX/XX/XXXX for FHA loan so why do I not qualify? 
These are the starting question that no one can answer no matter how hours I waisted on the phone regardless of how many times they transfer 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 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CO

Complaint narrative:
I received a debt to collect from IQ Data after annoying phone calls. The letter is not on a company logo and looks fake. The envelope is date stamped XX/XX/XXXX but was not mailed until XX/XX/XXXX. No one signed the letter and only put a # XXXX. 
I replied to my landlord back in XXXX ( at the time a debt was being paid ) and collected for them after I moved out. Fraud started to occur with the payments and the account. I disputed it timely and it was left alone no one continued to contact me. They always had my current mailing address. NOW out of nowhere this IQ collection letter comes in my mail BUT not until AFTER they wrongfully dinged my credit with the collection item AND it is not SHOWING as DISPUTED on my account. THEY have also added interest of over {$400.00} to a timely disputed account WHEREIN I never even rightfully got my security deposit back either. 
MOREOVER, I have security freeze and fraud alert on my social AND neither alerted me to this item transaction going on my credit. NOR are they acknowledging any of the correspondences that I keep legally sending to them. I was wrongfully denied a refinance because of this illegal activity placed on my credit that is not showing correct data, how much I paid to them, or that it was disputed timely back in XXXX when I contacted the city of XXXX and the county of XXXX for them having a aoartment building that was not up to code and the XXXX XXXX XXXX for them engaging in accounting fraud. 
FURTHERMORE the orginial landlord sold the property to another company back in XXXX and they did not pursue any more collection back then. IQ data has two address : XXXX XXXX XXXX XXXX WA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: DISCOVER BANK
State: CT

Complaint narrative:
I have this account that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX for a Citibank, NA stating I owe a debt of XXXX regarding My Best Buy visa. I never had a Visa from best buy. I don't owe anything. This is not mine. 2 dated XX/XX/XXXX and letter state the same thing from first letter dated XX/XX/XXXX have not received any thing from another company just from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax for years have provided incorrect information on my credit report. This is my second time going with to the cfpb. 
THey still refuse to do the right thing. I have contacted them by phone over 20 times. 


They refuse to add my XXXX  Credit Card That was opened XX/XX/2020 They refuse to report XXXX XXXX XXXX that was opened XXXX, XXXX 2020 They refuse to report my XXXX XXXX  credit Card that was opened XX/XX/2020 They said my XXXX XXXX XXXX auto loan acct was closed but it is still opened and I am making ontime payment. 


I request you use the my XXXX report as a refrence. 



Again I am looking to buy a house and Equifax continues not to report the positive stuff on my credit report. 


All finace companies I am complaining about report to all 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This complaint to regarding Bank of America. Claim # XXXX. Claim Submitted date XX/XX/2021 in the amount of {$3400.00}. 

While using my card on vacation at the mall, I was in a hurry and quickly put my card in my pocket which must of fallen out. I did not realize my card was missing till later that night. I checked my account the following morning and noticed my account fully drained of money. I called Bank of America right away and told the customer service rep what happen and she filed the fraud claim for the transactions. I asked for temporary credits as I was on vacation and had no money to get home. She told me she will also file for hardship and I should hear back within 24-48 hours. I waited 2 days and did not hear anything back so I called Bank of America claims dept again and was told that Bank of America is declining my hardship claim and I will have to wait 10 days for any temporary credits. The customer service rep told me I can apply for a balance assist. To no surprise I was denied balance assist as well. I had to borrow money from family and friends just to get home as BOA refuse to help me with any temporary credits. Two days before the 10 days BOA said they had to give me temporary credits, BOA denied my claim and told me they can not give me any funds at all totaling {$3400.00}. I called the claims dept right away and was told by a customer service rep someone that was authorized used my card and the transactions were in line with what I usually purchase. I told the customer service rep again that my card is missing and if they actually look at my transactions they will see I do not purchase high dollar amount of clothes or have been to any of those stores and the fact my account was fully drained of money. The customer service rep also told me BOA did not even dispute these transactions with the merchants at all. I am very unhappy with the way BOA has been treating me and I will be reconsidering doing future business with BOA.

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 2021-07-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX someone somehow was able to withdraw {$900.00} from my EDD Bank of America debit card. I discovered this on XX/XX/XXXX while talking to a bank rep. We canceled the card immediately, I then filed a claim with fraud team. I also filed a police report with XXXX XXXX XXXX CA. I am very stressed out, I have received no follow ups by email as the bank said they would, not even a auto generated email with the details of my claim # XXXX BofA, please help me to get my money

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 2021-07-16 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: FL

Complaint narrative:
On XXXX I XXXX XXXX XXXX contacted TransUnion in regards to removing inquiries not authorized by me. The agent denied me the right to have the inquiries removed. The communication was recorded as proof and protection. This was in clear violation of consumer protection laws that are in place to provide fair and accurate credit reporting. This denial of my rights as a consumer has impeded mine and my families right to credit in a negative manner.

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 2021-07-16 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX has incorrectly reported a higher current balance on the mortgage three times in the past four months. After I filed disputes to the credit bureaus they corrected the reported balance to the correct, actual balance. On XXXX XX/XX/2021 they corrected this information. Then again on XXXX XX/XX/2021 they corrected it. And now as of XXXX XX/XX/2021 they are again reporting a balance that is {$12000.00} higher than the actual current balance. Three times makes a pattern, and I am concerned that the company is taking retaliatory steps to try and hurt my credit rating because I am currently in forbearance due to COVID impacts on my employment. If not, then at the least this demonstrates poor practice with handling sensitive consumer data.

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 2021-07-16 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX has incorrectly reported a higher current balance on the mortgage three times in the past four months. After I filed disputes to the credit bureaus they corrected the reported balance to the correct, actual balance. On XXXX XX/XX/2021 they corrected this information. Then again on XXXX XX/XX/2021 they corrected it. And now as of XXXX XX/XX/2021 they are again reporting a balance that is {$12000.00} higher than the actual current balance. Three times makes a pattern, and I am concerned that the company is taking retaliatory steps to try and hurt my credit rating because I am currently in forbearance due to COVID impacts on my employment. If not, then at the least this demonstrates poor practice with handling sensitive consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
RE : Citizens Bank All paperwork had been filed and initial discloser issued XX/XX/2021. 
Pre approval was provided, a commitment was made XX/XX/2021. It took over 45 days to be engaged by their independent appraiser. the appraiser within close to a week provided an appraisal on XX/XX/2021. XXXX XXXX reached out to complete some paper work on XX/XX/2021 and the required information was provided that day. 

I have reached out several times with no response to everyone that had communicated with at Citizens. I reached out several time again. XXXX XXXX is now the XXXX XXXX contact of who I tried contacting, but no response again. A month after being notified that XXXX XXXX was the new contact, I received one email stating he was " looking into it ''. I finally reached him by phone and there was no examination other than having to review my credit score ( NOW 6 MONTHS LATER ) and they weren't processing any refinances. 

I do not know what to do. I was setting up a refinance for lower monthly payments, lower interest and relief from the pandemic financial hit. 

I'd like to use another bank, but Ive paid for the appraisal and exhausted a lot of time. 

Please assit me in finding a resolution. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had a mortgage with Wells Fargo for the past seven years, and am in the process of refinancing the mortgage with a different lender. In the process, the title company discovered that Wells Fargo had fraudulently recorded an " open end mortgage '' with deed transfer 3-4 months after the first mortgage was recorded. I never initiated nor authorized this. XXXX  XXXX XXXX and I've contacted Wells Fargo regarding this and requested they correct this so that I can proceed with my refinance. Wells Fargo denies that there is or ever was an open end mortgage, and yet they insist on " researching '' this, thus stalling my attempts at refinancing, and impacting my credit. I would like this remedied as soon as possible. Your assistance is greatly appreciated.

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 2021-07-16 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: WV

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on ( Provide Date ). They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
Resident of XXXX XXXX, XXXX Kentucky. Moved out 9 months pre-lease expiration but continued to pay lease until expiration ( on time ). Approximately 2 weeks prior to lease expiration XX/XX/2020 ( week XX/XX/XXXX ), had moving/cleaning company remove items and clean. Notified by cleaning company that kitchen trash compactor stopped working during move-out cleaning process. I contacted via email management and informed that trash compactor inoperable. As such, water that cleaning company used to clean kitchen dishes, etc. could not be drained. Response email stated they would service. Images sent from hire company of cleaned apartment. Later, received a cleaning/repair bill for roughly {$500.00} dollars for cost of trash compactor repair, a non-use water ring in 2nd commode, and accumulated dust collected under the " hob '' of the stove. Company also refused to return rental deposit. I have images and video taken by the moving/cleaning company that show a well-cleaned, undamaged apartment. Images clearly indicate company has used less the minimal wear-and-tear to falsely claim damages and thus, inflated amount of debt.In addition, company has reported this item to all 3 credit reporting agencies. I have phoned the company twice ( have recordings ) and tried to address issue. I have other video but are greater than 10Mb.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
IN XX/XX/XXXX I SIGNED UP FOR A GYM MEMBERSHIP WITH XXXX XXXX ( NOW CALLED XXXX XXXX XXXX I ATTEMPTED TO CANCEL THE MEMBERSHIP BUT I WAS TOLD IT WOULD NOT END UNTIL THE END OF A YEAR TERM AFTER XX/XX/XXXX THE GYM CONTINUED TO CHARGE ME THE MONTHLY FEE I HAVE CONTACTED AND GONE INTO THE GYM MULTIPLE TIMES TO REQUEST CANCELLATION BUT THE GYM CONTINUES TO DECLINE OR DISREGARD MY REQUEST IN XX/XX/XXXX I CONTACTED CHASE BANK AND PROVIDED THEM DETAILS OF THE ISSUE AND REQUESTED THEY STOP THE GYM FROM BEING ABLE TO CHARGE ME, UNFORTUNATELY NOTHING WAS DONE TO HELP MY SITUATION AT THIS TIME IN XX/XX/XXXX I CONTACTED CHASE AGAIN, AND THE REP ADVISED THAT I HAD TO PAY A {$30.00} FEE IN ORDER FOR THEM TO MOVE FORWARD WITH MY REQUEST OF STOPING WITHDRAWALS FROM MY ACCOUNT, I AGREED. 

NOW XX/XX/XXXX I RECEIVED AN ADDITIONAL 4 CHARGES FROM THE GYM I WOULD LIKE FOR CHASE TO REFUND ME THE ENTIRETY OF THE UNAUTHORIZED PAYMENTS, ESPECIALLY CONSIDERING THE FACT THAT THEY HAVE TAKEN {$30.00} TO FIX THE ERROR BUT INSTEAD CONTINUE TO LET UNAUTHORIZED CHARGES BE TAKEN FROM MY ACCOUNT THE TOTAL OF THE WITHDRAWALS MADE BY THE GYM FROM XX/XX/XXXX TO DATE IS {$350.00} I FIND IT COMPLETELY UNFAIR THAT THESE 2 COMPANIES ARE TAKING ADVANTAGE OF ME. WE ARE IN THE MIDDLE OF THE PANDEMIC AND THIS IS JUST MORE STRESS ADDED DURING A VERY DIFFICULT TIME. ESPECIALLY CHASE BANK SHOULD HAVE THE INTEREST OF THEIR CUSTOMERS PRIORITIZED, BUT INSTEAD THEY ARE ALLOWING XXXX  TO CONTINUE TAKING FROM MY ACCOUNT. THESE COMPANIES ARE GETTING RICHER BY CONTINUING TO STEAL FROM THE COMMON PEOPLE. 

I HAVE ATTACHED AN EMAIL RECEIVED FROM THE XXXX AS PROVE THAT I HAVE EXHAUSTED MY OPTIONS FOR HAVING THIS MATTER RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: NY

Complaint narrative:
I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave CoreLogic my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.

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