vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 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: CORELOGIC INC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX credit inquiry on XXXX, XXXX and XXXX. I want these to be removed from my XXXX  due to I never signed any documents. 

Also Credco/XXXX  XXXX I want these to be removed from my XXXX  due to I never signed any documents. 

Under FCRA I want this to be validated with my signature that I authorized.

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 2020-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accudata Credit Systems LLC
State: CA

Complaint narrative:
My roommate had created damages in an apartment that we co-inhabited. I was not residing at the property at that point of time, and one day i was made aware that a collection had been placed on my credit report. I had no idea this debt was required to be paid by me until it was already added to my credit report. To not create any further issue, I paid off the collection, but I did not have any chance to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have been forced to apply for t

he Apple Card ( Goldman Sachs ) eight different times due to Goldman Sachs inability to verify my identify even after I have provided official government identification and personal information only I could and would know. When applying for the Apple Card, Goldman Sachs does not deny or approve the application. Goldman Sachs simply informs me that they are unable to verify my identity and requests me to fill out another application immediately for approval. Customer service agents at Goldman Sachs are not given the tools to identify issues related to system errors. I have reached out to Goldman Sachs on numerous occasions and have been given extremely poor customer service. Goldman Sachs also refuses to comply with federal law and provide an approval/denial/fault letter as per federal law.
The Fair Credit Reporting Act disclosure as required by sections 615 ( a ) and ( b ) of that act. Forms C -- 2 through C -- 5 contain only the section 615 ( a ) disclosure ( that a creditor obtained information from a consumer reporting agency that was considered in the credit decision ). A creditor must provide the section 615 ( a ) disclosure when adverse action is taken against a consumer based on information from a consumer reporting agency. A creditor must provide the section 615 ( b ) disclosure when adverse action is taken based on information from an outside source other than a consumer reporting agency. In addition, a creditor must provide the section 615 ( b ) disclosure if the creditor obtained information from an affiliate other than information in a consumer report or other than information concerning the affiliate 's own transactions or experiences with the
consumer. Creditors may comply with the disclosure requirements for adverse action based on information in a consumer report obtained from an affiliate by providing either the section 615 ( a ) or section 615 ( b ) disclosure. Optional language in Forms C -- 1 through C -- 5 may be used to direct the consumer to the entity that provided the credit score for any questions about the credit score, along with the entity 's contact information. Creditors may use or not use this additional language without losing the safe harbor, since the language is
optional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: NY

Complaint narrative:
I am a victim of Identity theft. Please help me get these items removed!

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 2020-11-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days a reason to immediately remove those items from my credit report with has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2020, {$500.00} was taken out of my savings account unauthorized. When I went into bank to find out why, I was told this was due to fee for Navy Federal Appraisal fee. However the appraisal fee was taken out off my credit card last month. After explaining this, I was then told to email XXXX I noted this email as urgent.

PS- I canceled the appraisal a week ago due to being talked to like a child after being with the company for 7 years serving in the military. Now they are taking money out of my savings authorized. I would appreciate assistance in this urgent matter as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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:
XXXX XXXX, I was informed by the IRS Criminal Investigations that my identity had been stolen. On the same day, I froze my credit reports and submitted a fraud complaint to access the improved credit protections. 

Also on XXXX XXXX, I had to call Equifax to login to my account to check my credit. As part of that call, I requested that Equifax mail me a paper copy of my credit report since I would be unable to login for up to a week while they researched the issue. 

On XXXX XXXX, I called Equifax to inquire just where my credit report might be, and to inquire ( again ) on how to login to the website. I was able to get satisfaction on the login issue - but was told that my paper credit report was mailed to a previous address of mine that I have not lived at for 2 1/2 years. On my credit report online, I can see that the address that the report was mailed to does show as a previous address - and my correct current address is shown correctly. Worse, there was nothing that Equifax could do for me, after mailing my life history to a stranger.

What type of remedy is available to me? How do I retrieve that report, or verify that it hasn't been used maliciously or given to someone else?

I am appalled that a business *that I never gave permission to access my personal information* could be so careless with that information, and then wash their hands of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: NY

Complaint narrative:
Date : XX/XX/2017 Amount : {$38000.00} Action Taken : Asking for application on file for the alleged debt and authentic contract.

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 2020-11-05 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: NY

Complaint narrative:
DATE : XX/XX/2013 AMOUNT : {$3100.00} ACTION TAKEN : ASKED FOR APPLICATION ON FILE FOR THE ALLEGED DATE THAT MATCHED MY IDENTIFICATION AND AUTHENTIC CONTRACT.

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 2020-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check to my Bank of America checking account amounting to $ XXXX on XX/XX/XXXX from my XXXX checking account, it was returned even though it has funds. I was charged a return check fee then there were so many overdraft protection charged on my credit card. I paid way too much worth XXXX XXXX  for something that is not my mistake. Then I attempted to deposit again even it has funds they charged again a return fee plus way too many overdraft protection. I called XXXX and they said I never had any stop payments so why Bank of America is doing that anomaly. Due to Bank of America 's fraud I went to their branch in XXXX on XX/XX/XXXX and asked the manager to close all my accounts ( checking, savings, credt cards ) at BofA, Until XX/XX/XXXX they are still charging a closed account. Now, my credit score got affected by Bank of America 's fraud? My credit score is XXXX, now it dropped to XXXX. Now they are collecting another XXXX XXXX again.

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 2020-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Despite two written requests from PORTFOLIO RECOVERY, AND THE INCONSISTENCY of the unverified item listed below still remain on my credit report in violation of Federal Law. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

I am asking PORTFOLIO RECOVERY to Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
Wakefield & associates Report that I owe them a Debt which is inaccurate After l no communication was made with me they reported it to my credit which is affecting my score drop 60 points and my credit to buy a house or car also they are in violation of hippa laws

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: NY

Complaint narrative:
DATE : XX/XX/20 ACTION : ASK TO REMOVE OTHER NAME VARIATIONS AND ADDRESSES

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 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CT

Complaint narrative:
As of XX/XX/19 I finalized my refinanced with Caliber Home loans. Prior to finalizing I was told that my sewer taxes were to be included in my total escrow and included ultimately in my total monthly payment. Prior to being made aware of this I was asking questions because my total monthly savings wasnt really enough to sign the deal. But once told that my sewer taxes where included and that was the reason my monthly savings didnt seem like a lot. I signed off on it after proof via email that the addition escrow being taken out was in regards to the sewer taxes. About mid XXXX I got a letter from my town saying there was a intent to Lien on my property because of a overdue balance on sewer tax. I reached out to caliber everyday for a week straight to finally have them resolve it. 2 months later I went to pay my mortgage and realized I was now being charged an addition XXXX dollars a month for 5 years to make up for low escrow in the account. Numerous times I explained that there was plenty of money getting taken out to cover both property taxes, insurance and the sewer tax. Ultimately their final decision was to rework the refinance and I was assigned a new loan officer since the original one was no longer with the company. We agreed to go ahead with the refinance at the end of XXXX. We are currently 3 months into the refinance and still havent closed. As every closing date approaches we get more set backs. With that said we have to reach out to caliber to see what the delay is. We are now being told we have to bring almost XXXX dollars to closing to make up for the Loan to value ratio. We did not make this mistake and Calibers only option is to dispute the appraisal In hopes that we can make the money up. I asked what the next step would be after that and was told it is what it is. So due to calibers mistake I have to suffer. I have made one payment so far with the additional escrow added and about to make a second due to their delays and lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check to my Bank of America checking account amounting to $ XXXX on XX/XX/XXXX from my XXXX checking account, it was returned even though it has funds. I was charged a return check fee then there were so many overdraft protection charged on my credit card. I paid way too much worth $ XXXX for something that is not my mistake. I contacted XXXX and they said I have no stop payments but Bank of America is committing that anomaly/fraud in my account. I attempted to deposit again and they did the same thing again even my account at XXXX has funds they keep charging that return check fee plus too many overdraft protection in my credit card. 
Due to Bank of America 's fraud I went to their branch in XXXX on XX/XX/XXXX and asked the manager to close all my accounts ( checking, savings, credit cards ) at BofA, Until XX/XX/XXXX they are still charging an already closed account. Now they are charging another $ XXXX again to an already closed account. They reported to the credit bureau that I owe them and they reported an inaccurate report to the bureau. My credit score got affected by Bank of America 's fraud. My credit score is XXXX, now it dropped to 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 monetary relief
Consumer complaint received 2020-11-05 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, my wife called our existing mortgage servicer, New Rez/Shell point and explained that our tenants had lost their jobs due to Covid 19 and that we couldn't make the mortgage payment due on XX/XX/2020. She requested Forbearance and was told it would take 48 hours and that we would not be marked as being late during forbearance. 
We did not make the XX/XX/XXXX payment. Then the mortgage company called us and demanded the XXXX payment. We were confused because the loan was supposed to be in forbearance. With great hardship, we did make the payment on XXXX and we paid for both XXXX & XXXX. On XX/XX/XXXX, we made a payment which was slightly short, again the lender demanded that we give them more money which we did on XX/XX/XXXX. We had NEVER been late before or since. We were told that our loan was in forbearance and no payment was needed. New Rez Shell point has a recording of the actual phone call and also has a log of the XX/XX/XXXX call. We are trying to refinance to get a lower rate. The lender denied us because of the two mortgage lates that New Rez is incorrectly reporting. On XX/XX/XXXX, we called the loss mitigation dep & XXXX, said that it was a New Rez error and that we should dispute it which we did once on XX/XX/XXXX and again on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank agreed in a phone call on XX/XX/2020 to reduce my outstanding credit card balance by 50 %. However they are continuing to send out statements and report to credit agencies an amount that does not reflect the 50 % reduction. I have previously reported this problem to CFPB wherein I asked under the freedom of information act to have a transcript of the phone call when this discount was agreed upon. When Barclays responded to CFPB about this matter and a Federal Conspiracy complaint their response ignored the said phone call. I responded to CFPB that the answers given by Barclays were not correct yet CFPB closed the complaint because Barclays responded. I can not understand why CFPB closed the complaint when obviously the matter has not been resolved. Please explain.

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 2020-11-05 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: NV

Complaint narrative:
These 3 accounts reporting on Experian are not my accounts. Please remove them. I am not a credit repair company nor a mortgage company. I provided you my personal documentation. Thank you.

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 2020-11-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We purchased flights and hotel to XXXX, XXXX ( XX/XX/XXXX-XX/XX/XXXX ) on XX/XX/XXXX for {$2900.00} and used my Chase Debit Card. I requested a refund because i removed an excursion and it was for the amount of {$340.00} which i did get back on XX/XX/XXXX. In XXXX the site, XXXX closed down and never returned my purchase of {$2500.00}. I filed a claim through Chase on XX/XX/XXXX. I got the funds returned until they finished investigating and on XX/XX/XXXX they denied my claim and removed the amount from my account. They said that the transaction was correct and that I have to go through the Agency ( XXXX ). First my claim amount was incorrect which I have explained to them. The amount for the claim was supposed to be {$2500.00}. When calling back to file another claim with the correct amount they said it would be denied for the same issue. I also called back XX/XX/XXXX to see what my charge back code was processed under and they would not give me that information. It should have been under XXXX - services not rendered. The issue is that I can not go through the agency because they have been closed for months and im not sure how to get this money back. They canceled without returning my money back. On XX/XX/XXXX i was activated with the military under state activation and on XX/XX/XXXX I had received an email from XXXX saying all services were being canceled and to go through our banks. I explained this to Chase on XX/XX/XXXX and they said that the military is not an excuse to not have disputed before the 120 days. I also have filed a police report on XX/XX/XXXX. XXXX canceled my services XXXX XXXX with no refund. They canceled my flight through United airlines and my hotel ( which was never paid out ). Chase/Visa was supposed to give me only 3 days to file a claim during my emergency activation? Overall, services were not rendered and my claim should have been processed as that. Please review this case.

Company response to consumer: Closed with monetary relief