vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi CFPB, With all do respect Experian Credit Bureau is failing to increase my scorce with my payments on my cards. I think because I had a membership XXXX membership that included all three credit bureaus that they are just making my scorce fluid and not including my paying off cards or close to that. Anotherwords they are not increasing the score as a formula of abuse and exploitation so that I get the membership again and make me feel badly. This is Elder abuse and they need to fix this. I also asked for my freeze to be lifted which was on XX/XX/2019 and then again on XX/XX/2019 and quess what it has not be lifed. No pin numbers that are suppose get mailed are ever mailed. XXXX did that twice at Experian and XXXX XXXX was requested to do the same. I pay off cards and they did not increase the score from 3 months ago. 
They either make mistakes or are full of it. I will sue these persons ... .Something else is wrong. I think it is because I realized they are PHISHING FOR consumers pin numbers to breach their bank accounts. They are using personnel who do this which results in what happened with XXXX. I can not access my accounts because I am not a member. Please stop Experian and XXXX XXXX from this kind of abuse and exploitation.

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 2019-12-23 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:
This started in XX/XX/XXXX. We are trying to get a charge off letter that Wells Fargo issued in XXXX of XXXX. Wells Fargo put this loan on our credit report and we were working with XXXX XXXX and they said our credit had dropped, so we couldn't refinance to get rid of Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
THE WEEK BEFORE XXXX, prior to any notification at all, my credit limit was decreased by almost 60 %. I had my card not honored at multiple vendors despite my having made a recent large payment toward my outstanding credit. I relied on their representation of my credit limit when deciding to use money to pay down the Chase card rather than use it elsewhere since I have upcoming job relocation expenses. When I contacted CHASE BANK, multiple times over 3 days, I was told that I would receive notification via the mail almost 2 weeks after the credit decrease became effective. Despite having signed up for electronic notifications, I didn't even receive a notification online either. 

I know the credit card companies can usually do what they want, despite the fact that I would have saved back money to pay for an upcoming job relocation rather than the credit card balance if I knew they would reduce my available credit so significantly. But there HAS to be some notification required to the user before such a MAJOR change is made to the account. I now don't have the cash to cover my move for a new job because Chase took my payment and reduced my available credit by over {$14000.00} without ANY prior notice. 

It is also worth noting I have never made a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I was going to contact the 3 crediting reporting agencies but read the credit reports does not provide the score.I would like the credit score and all information pertinent to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX and I'm hoping I can get an answer to the following : I refinanced my mortgage on XX/XX/XXXX through my lender XXXX XXXX. XXXX XXXX XXXX represented me as the title company. The issue that I'm having is the following : When I refinanced my property one year ago to buy out my brother in-law 's portion of the home in XX/XX/XXXX, my prior lender Roundpoint recorded a satisfaction of mortgage along with an assignment of mortgage to XXXX XXXX. Due to the satisfaction recording error on Rounpoint 's part, I was not approved for a CEMA process this time around. I postponed my closing to allow the different parties time to resolve this issue ; however due to timing I had to finalize my refinance since my interest rate lock was expiring and therefore closed on XX/XX/XXXX. This resulted in XXXX mortgage tax to amount to {$13000.00} ( 1.92 % on entire mortgage amount ) as if I have taken a new mortgage. I reached out to Roundpoint after the closing and they opened up case to investigate the recording error. They acknowledged that this was the case and therefore went back to rerecord ( rescission of satisfaction of mortgage ) on XXXX XXXX. As I understand from an advocate contact at Roundpoint ( XXXX XXXX XXXX ) and multiple emails going back and forth, Roundpoint and XXXX XXXX along with XXXX   XXXX XXXX were going to redraft the documents as a CEMA   process rather than a new loan. After final review, my current lender and settlement attorneys mentioned that bottom line the rescission of " satisfaction of mortgage '' by Roundpoint made no difference whatsoever even if I wanted to have the CEMA process ( since this error would have nullify everything ) I know this sounds like a lot to process ; however, bottom line is that I should not have incurred the {$13000.00} and it should have been around {$260.00} instead. 

Please reach out to me via email response or via cell at XXXX or via e-mail XXXX Your response to this matter is greatly appreciated! 



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 2019-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2019, Bank of America has reported to the credit bureau debt that does not belong to me. I have never submitted an application for a Bank of America credit account. Bank of America did not obtain my permission to access or use my credit. In addition, I was not notified that there was a problem until negative information was reported on my credit report. Bank of America is harassing me and ruining my credit to punish the account holder. The account is not my account and is not my debt. The account belongs to a relative. I received an alert from my credit monitoring service that Bank of America added an unpaid debt to my XXXX credit report. I have disputed the information with XXXX  and it was deleted. Then XX/XX/2019 Bank of America added the debt to my XXXX  credit report as a closed account. The tactics that Bank of America are using are unethical and illegal. 

In reference to the request below for contracts or reciepts, there are none because this is not my debt nor does Bank of America have a contract, permission, or approval with my name on it.

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 2019-12-23 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My business account was XXXX XXXX was charged {$79.00} for overnight freight charges from XXXX XXXX. I called the company to get the full amount that was to be charged and was only quoted {$180.00} which was paid. I disputed the charge with Chase because after calling the merchant they refused to credit the {$79.00} charge. This company XXXX XXXX has a history of doing this and a bunch of negative reviews on how they conduct business. Chase always debits your account and stick with whatever the merchant say even after sending all documentation because they get fees from the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
I have a lot of hard inquires on my report that I never applied for been trying to get them removed to build my credit to start both of my businesses and dont know where to start with getting them removed fast as possible I personally never filled nothing out at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/19 I was charged by " XXXX, XXXX '' two times for {$29.00} each. I contacted my bank and they handled the dispute and re-issued my credit card. The same thing happened on XX/XX/19 except this time the charge was {$2300.00}. Again, Bank of America handled the dispute and re-issued my card. On XX/XX/19 the same thing happened twice for {$29.00} each and again Bank of America handled the dispute and re-issued the card. 

I have been on contact with both B of A and MasterCard about this recurring fraudulent charge. Each entity is blaming the other. While B of A has provided new cards each time, the same thing happens each month and no one is sure how to prevent it from happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
XXXX has my loan for our car that was totaled in XX/XX/2019. My insurance company and I have been calling weekly over the last two months attempting to get a letter of guarantee to get the loan paid off. XXXX has changed their story every time we call. I was told the letter was sent back in XXXX then it was they needed additional information from the Insurance company which was received on XX/XX/XXXX. Then it was they had the wrong fax number then it was the letter was never created as the total loss department is backed up. Then last week i was told that the total loss department is caught up but mine was overlooked. They can't communication with the Total loss department other than email. There is no way to call them. I have called 1-2 times a week and keep being told i have to wait there is nothing they can do. Multiple emails have been sent by my insurance company and the customer service team to this total loss team, but yet not one of them have been responded too. My husband and I both work and have a XXXX XXXX XXXX. We need 2 cars, we have had a hard time getting another loan as this one is still reflecting on our credit report over 2 months after it's been totaled. We had to get a loan for a new car with a higher than we ever had interest rate and we can't afford to pay three car payments. So now this loan is behind and they are reporting it to our credit when it should have been paid off over two months ago but we are waiting on them. I talked to two supervisors over the phone with customer service who keep telling me i'm XXXX there is nothing they can do as they can only email the total loss team. The stress and time i have put into this totaled car over the last three months is ridiculous. How can a company 's only contact with a department be by email? XXXX is gaining interest and fee on this account by not allowing us to pay it off. But yet i have to continue to take time out of my already busy schedule to call and get told that i have to wait longer. I have been waiting long enough! All the insurance company needs is the letter of guarantee and this loan could be paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " XXXX XXXX XXXX , XXXX '' hereinafter referred to as " XXXX XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " Cavalry SPV, I, LLC '' hereinafter referred to as " XXXX XXXX  '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the XXXX, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the LLC, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. Cavalry SPV, I, LLC ( the LLC ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: TX

Complaint narrative:
The inquiries below I didn't authorize. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Bank  XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account below is not mines. i have submitted a dispute to the Attorney General of the State of MS . This company has never contacted me at all. By right I have 30 days to dispute this debt once I have received notification of debt. This company has not done nothing but post wrong information on my report. 

XXXX XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : 08 XXXX XXXX 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 2019-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: MO

Complaint narrative:
I received a notice that my mortgage note and the servicing has been transferred to a new company. The notice was received on XX/XX/2019 and post marked on XX/XX/2019. This is not sufficient time according to XXXX. The company that has failed compliance is New American Funding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
Yes this collection company keep putting derogatory credit on my report for XXXX. I never had of XXXX account and they know this. I have for proof of identification use to open this account and ask XXXX to investigate and they havent did anything. But said this debt will stay on my credit. They need remove this from my credit with out proof who did this and block collection company for putting anything on my credit report. I will seeking attorney to sue XXXX and this collection company. I have credit monitoring on my credit and it seems not to be working or they just dont care. I just received of sellment check just for this same thing. And see they are back at it again not protecting my information and allowing collection company do whatever they want without proof of person owe if debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts / security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account below is not mines. i have submitted a dispute to the Attorney General of the State of MS XXXX This company has never contacted me at all. By right I have 30 days to dispute this debt once I have received notification of debt. This company has not done nothing but post wrong information on my report. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX 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 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
THIS IS MY LAST TIME TRYING TO HAVE THIS MATTER CORRECTED BY EQUIFAX. IF THIS FINAL INFORMAL ATTEMPT DOES NOT MAKE EQUIFAX TAKE THE ETHICAL, MORAL, & LEGAL ACTION REQUIRED & MANDATED BY THE FAIR CREDIT REPORTING ACT I WILL, WILL, WILL, ETC GO TO MY LOCAL COURTHOUSE AND FILE A LAWSUIT IN SMALL CLAIMS COURT ( CIVIL DIVISION ) FOR EQUIFAX KNOWINGLY AND WILLINGLY VIOLATING MY RIGHTS GRANTED TO ME BY THE FCRA. I advised EQUIFAX that a unauthorized hard hit inquiry is reflecting on my credit report. I asked EQUIFAX to conduct an investigation and confirm if the hard hit inquiry was authorized by me. Furthermore, if it was determined I authorized the hard hit inquiry to please provide me the name, contact phone number, date of contact, & A COPY OF THE credit application signed and dated by ME. I repeatedly get the same standard response from EQUIFAX ( PLEASE REFER TO THE ATTACHMENT ). EQUIFAX RESPONSE CONFIRMS THIER DERELECTION OF DUTY AND DISREGARDING THE NEGATIVE IMPACT THAT THIS UNAUTHORIZED HARD HIT INQUIRY ON MY CREDIT SCARE & CREDIT WORTHINESS. THE PREVIOUS CFPB COMPLAINT REGARDING THIS MATTER IS COMPLAINT # XXXX. 

Cc : The Honorable XXXX XXXX XXXX County Court House ( Civil Division )

Company response to consumer: Closed with explanation