vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX and XXXX XXXX on XX/XX/2022 and I have no recollection of doing any business with XXXX and XXXX XXXX. I am in the process of contacting XXXX and XXXX XXXX but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
The mortgage company that I am dealing with is Specialized Loan Servicing ( SLS ). I am trying to have my home appraised because I believe that it is eligible to have the PMI removed. I faxed over Authorization for Internal Valuation on XX/XX/XXXX. I waited around 3 weeks or so and still didnt receive any phone call/email/mail from SLS regarding the form I faxed over. I called and spoke with a representative and was told that they did receive the fax and that someone would contact me to set up an appraisal. I wait a few more weeks and never hear back from anyone regarding the matter. Over the next few weeks I spoke with multiple representatives who couldnt resolve the issue. I spoke with XXXX on XX/XX/XXXX and was told that someone tried to contact me on XXXX but was unable to contact me and that she would escalate the matter and I should follow up on Friday XX/XX/XXXX. I never received any missed calls or voicemails from anyone on that XXXX. I asked if I could get a contact number to the company that would do the appraisal but I was told that they couldnt do that and that I should keep my phone on me and have the ringer on loud in case that they call. I call and spoke with a representative on XX/XX/XXXX to follow up and they dont have any new information that they can provide me with so I voiced my frustrations and was told that I would receive a supervisor call on Tuesday. I did receive a supervisor call from XXXX on Tuesday XX/XX/XXXX and was told that he would reach out to the company and hopefully they would contact me within 24 hours and that he would follow up the following day. I never received any phone call from an appraiser or the supervisor. I tried calling SLS to follow up again today, Thursday XX/XX/XXXX, and cant get in contact with any representative because of technical difficulties. The representatives were all nice, but nobody could resolve the issue and most of them would tell me to follow up in a few days or the next week. It has been 7 weeks since Ive first sent the form to initiate the evaluation of whether or not I can remove the PMI on my home and nothing has been done. SLS is a joke of a company and I cant believe how inefficiently their processes are. I shouldnt have to waste so much of my time trying to get a hold of a representative who cant even resolve a simple issue. Im honestly considering refinancing with a new company so that I dont have to deal with this incompetence. There is no accountability with this company and this has been an extremely frustrating experience. I 100 % would NOT recommend anyone to use this company to finance their 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 2022-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
The scam occurred from XX/XX/22 till XXXX The call came from the published Chase Customer Service that someone had initiated a wire transfer from my savings account. Because, it was a Chase Customer Service phone number, I believed iot and followed the directives by him hoping that my money will be saved. These are fully explained in the attached chronology of events. 
The moment we realized it could be a cam, we acted. On XX/XX/22, Our daughter first called the XXXX XXXX XXXX hot line and gave a report over the phone. 

She then called the XXXX Police Department. A police officer came home and took the complaint in person The incidence # XXXX XXXX XXXX. 

Our daughter, myself and my nephew from XXXX XXXX lodged a complaint with the manager of the Chase Bank Branch at XXXX XXXX XXXX XXXX, XXXX, AZ on XX/XX/22. Copies of Recall filed by the manger with bank and Global department are attached. 

I filed a complaint on XX/XX/22 with ic3.gov. Copies attached. 

I filed a complaint with FTC on XX/XX/22. Report # : XXXX. 

I filed a complaint with Arizona Department of Economic Security for Adult Abuse on XX/XX/22 Case # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A business credit was opened under a corporation with Bank of America. I was the authorized representative of the company. 

The credit card was always paid on time until the pandemic. The business did not survive the pandemic and closed. 

Bank of America has been taking funds from my personal account which includes my reliefs payments from the pandemic. 

Bank of America has taken {$2200.00}, wiping out my bank account. 

According to Bank of America, there is a fine line in the business credit card agreement that states if the corporation is unable to pay the credit card for any reason, the authorized representative of the company would be held responsible and their personal funds would be used to offset the corporations debt. I have asked Bank of America multiple times for a copy of the agreement that was signed but they have been refusing to provide me with the signed agreement they continue to state allows them to deplete my personal account. 

In speaking to Bank of America, they have stated they will not be returning my funds and I find this misleading to consumers who agree to be authorized representatives on corporate accounts. In addition, I think that it is improper for Bank of America take this type of action against consumers during a global state of emergency.

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 2022-02-24 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 XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.

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 2022-02-24 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 XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
Our house was built in XXXX. We refinanced our house in XXXX of XXXX for the purpose of cutting monthly expenses. Our interest rate wasnt bad. They used our closing tax amount ( taxing land only ) for our projected taxes on our refinance. The document they received from the title company clearly states that the value of the taxed property is {$39000.00} and the person named is the name of the land developer who owned the parcel before our home was built. The amount used was {$420.00} and should have been approx {$1400.00}. According to the TRID rule, the mortgage company is not held liable for the taxes changing, but the amounts projected should be based on factual and reliable estimates. There is no circumstance where a {$39000.00} parcel of land would be an accurate substitute for {$250000.00} home. As a mortgage company, I put the responsibility on them to make sure the amounts seem accurate, which a quick look at the county tax info and our home value should have told them it wasnt. Or even reading the details of the document they were using which clearly states that the amount listed is land value. 
We made payments for four months at the quoted new payment amount before we were notified that the escrow account was insufficient and they would be adding on to our monthly payment temporarily for the error and long term to maintain the higher amount. 
Because of this error our payment is now UP approx {$160.00} per month and once escrow is recovered will only be approx {$30.00} less than our original payment ( before refinance ). Of course we wouldnt have refinanced to save approx {$30.00} and they also added approx {$5000.00} in fees back into our loan. 
I called the customer service and spoke to escrow, who then directed me to refinance. The refinance dept tried to claim they had done nothing wrong and could do nothing else, but said they would check with another department and get back to me. The refinance dept supervisor called me back to say he had spoken with the escrow and consumer services departments and they also believed there was nothing they could do at this point. 

I am reporting them because I feel like this is either negligent or fraudulent business practices to get customers to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have been a XXXX ( XXXX XXXX XXXX  member for 20+ years. They recently transitioned from XXXX XXXX to Marcus by Goldman Sachs. This transition has been an epic failure. There was very little communication ( other than the fact that there would be a transition ). You would think a bit operation like XXXX would have a strategic plan for transitioning XXXX members to their system, but no. 

I recently had my XXXX baby ( who ended up needing a stay in the XXXX ). When I returned home I went to pay my bill through XXXX like I normally do. I got an error message and assumed the site was down for maintenance, so I tried it again several hours later and then again the following day. After two days of getting the same error message I called XXXX. The representative who helped me said I had to go to XXXX to pay my bill ( you would think Marcus would have communicated this information to us ). So, I went to this site and found a link to click for XXXX members that are transitioning to Marcus. I followed the instructions online ( which asked for last name, DOB, and last 4 digits of SSN ). After doing this, I got an error message that said they didn't have enough information and to call XXXX. I called this and the wait time was 5+ hours. They gave me the option for a call back, so I selected that. It is now several days later and I still have not received a call back. In the meantime, I have tried again multiple times to register on the Marcus site, but I keep getting the same error message. I have also called the number provided several times. The last time I called ( XX/XX/24 ) I was told it was a 1+ hour wait time so I held on and finally got a representative. However, the representative had me do the same thing I had already done on my own ( going to the Marcus site, putting in my last name, DOB, and SSN ), but of course I still got the same error message. The representative then suggested I tried using their app. So, I did the same thing on the app and got the same error message. The representative then said there was nothing more she could do and she would put in a ticket for tech support to give me a call back. It has been about 24 hours and I have yet to receive a call back. I am very concerned about how this will affect my credit score. I have tried to be a responsible citizen in paying my bill- I have spent ( literally ) hours trying every which way to pay my bill/transition to Marcus, but with no luck. 

An operation as big as Marcus should have communicated more clearly about the transition and had a better plan in place for a seamless transition.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
XX/XX/XXXX XXXX - Letter was sent to and received, by certified mail, to LexisNexis asking their validation process. 

XX/XX/XXXX LexisNexis did not give proper investigation of the bankruptcy or give me their validation process which was demanded. currently showing on my credit report. 

XX/XX/XXXX - Another letter was sent to and received, by certified mail, to LexisNexis asking their validation process again AND stating to them that I never gave written permission to furnish any type of report to anyone. This letter has not been responding to and a bankruptcy is still showing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: OH

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: OH

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-24 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
My account with the target credit card was never late. I have tried to reach out to target and the credit reporting agency with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: TX

Complaint narrative:
My updated credit report from Experian was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If XXXX has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/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