vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, JPMCB - CARD SERVICE Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, AMERICAN EXPRESS Inquired on XX/XX/XXXX, JXXXX - CARD SERVICE Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
PRA has contacted me about a debt under my name of {$360.00}. The originator of this debt was sourced from XXXX XXXX XXXX  XXXX. In retrospect, I contacted XXXX XXXX XXXX  about fraudulent accounts on my credit report. XXXX  XXXX XXXX  XXXX confirmed these fraudulent accounts were listed under different names and different addresses. In XX/XX/2020, XXXX XXXX XXXX  XXXX confirmed this account of {$360.00} was fraudulent and removed it from my account with assistance from XXXX. You may contact them to confirm such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I ask that a statement be put in the XXXX account 1 ) Not my account and Fraud of Ownership. I asked for proof of Ownership never given. I disputed the account and asked for a statement be put in all my accounts that I invoke all rights, none waived ever. All three refused to do this and you can not dispute on line unless you agree to their terms. I refused to agree to them. Phone dispute is almost impossible to get done.

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 2021-02-04 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: FIRST HORIZON BANK
State: NC

Complaint narrative:
There are incorrect late payment on my credit with this company resulting in me not being able to purchase a home that I was already approved for and then went under contract and because of this I can no longer purchase a home and am not without a place to live

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a money market IRA from my old employer held by Citibank. The balance is XXXX {$1800.00}. I first reached out to Citi in XX/XX/2018 to redeem the funds. I completed the transfer documents and mailed it out. I never got a check. I called and completed the same process several times via email and fax and still have not gotten my IRA. I want my IRA to roll over to my current IRA. This is my money. I called 2x and was disconnected both times.

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 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Team Recovery Inc.
State: OH

Complaint narrative:
Team Recovery managed credit reporting on behalf of an attorney in XXXX, OH who represented XXXX XXXX XXXX. 
The balance owed on a medical bill was paid in full after it was presented but during the process agents from Team Recovery threatened that my credit would be negatively affected. Even though the account was paid and the attorney dismissed the case in XXXX XXXX XXXX the collections attempt still shows as a negative report on my credit. 

In XXXX of 2021 I contacted both team Recovery and the attorney at their advise and the attorney agreed to remove the report from my credit. The negative report has not been removed and remains on my report even though all parties have agreed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I looked at my credit on XXXX XXXX and saw that ARS COLLECTION AGENCY took one medical visit and duplicated over 20 collections on my credit mostly for {$21.00} all for the same date. this is so wrong. I have been sick battling for my life and to find that this kind of injustice and fraud as well as greed is going on behind the scene.

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 2021-02-04 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: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
XX/XX/2021 Contacted XXXX XXXX XXXX XXXX  Acct Mgr XXXX XXXX, notified him XXXX  made a mistake this was never in collection and I paid {$100.00} off last year and closed this account. I asked him to remove this Fraudulent reporting from all 3 of the National Credut Bureaus, he refused, and admitted they are representing XXXX  and The Law Office of Maury Cobb who is also collecting this fraudulent debit. I ran my 3 credit reports 6 months ago and thus was not on my credit report. Just this last week, it is now on all 3 Credit Bureaus being reported from the year XXXX, XXXX, XXXX, and XXXX - HOW CAN THIS BE! I sent XXXX an email regarding all this a week ago and they have never replied, but yet my membership with XXXX notified me just recent if all this " 7 '' times that it was reported against my Account and Social Security Number. I made a total of 4 calls this morning, all calls to XXXX were recorded and the 1 call to the Law, Office of Maury Cobb was also recorded, the female named XXXX from this Law Office was Argumentive and sarcastic polietly and refused to remove this fraudulent account. 

I Notified both XXXX XXXX XXXX  and The Law Office of Maury Cobb today that this account was paid off a year ago, and it's on my credit card and never in collections, and requested they remove their fraudulent reporting from all 3 National Credit Bureaus from my Social Security, because the are reporting fraudulently and ruining my credit score that is affecting my credit/ FICO score to obtain Credit. They BOTH REFUSED TO ASSIST ME.

( I also requested they put all my conversations and the info I'm supplying to them today in the notes of my account for future reference ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
A company called Credence called me and said they were with XXXX XXXX XXXX and that I had a past-due balance. I unknowingly gave them my card number and they charged me {$210.00}. I don't owe XXXX XXXX XXXX any money, I actually have a credit on my account. This is a scam company taking money from unknowing individuals. They even play the XXXX XXXX XXXX signature sound on the phone to make it sound official.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
My mortgage with Freedom Mortgage was refinanced through XXXX XXXX XXXX in XX/XX/XXXX. Freedom Mortgage received their payment on XXXX XX/XX/XXXX. At that time I had a balance of {$3.00}, XXXX in my escrow account that was due me. Freedom Mortgage claims that the payment was sent on XXXX XX/XX/XXXX. On XX/XX/XXXX, I called Freedom Mortgage to inquire about the status of the payment. I was told that they would take no action to track the payment until it was 30 days past due. When I asked for a tracking number so I could track the payment I was told that Freedom Mortgage does not provide that information and would take no further action until 30 days after the date they claim they sent the payment. I also asked about my year end statement fot tax purposes and was told that the " only obligation they had was to provide that statement by XXXX. I did not receive that statement until XX/XX/XXXX. Freedom Mortgage has been a horrible company to deal with and should never be allowed to handle VA mortgages. If I were 1 day late in sending a payment they would change me hundreds of dollars in late fees. In fact, I was on an auto pay system and my escrow charges changed by XXXX cents. Instead of notifying me that the amount changed they charges me {$350.00} in late fees three days after the payment was due. A very disreputable company.

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 2021-02-04 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: FL

Complaint narrative:
Hello this complaint is on Bank of America and XXXX XXXX. I sent a money transfer through XXXX XXXX and paid it with my Bank of America debit card. What happened was I misspelled the receivers last name, so when I tried to edit the receivers or transaction via XXXX XXXX  app it asked me to cancel transaction in order to make changes so I cancelled and was told I will receive a refund for {$2000.00}. I received the refund but when I changed the last name I sent it back for the 2nd time but I put the country as XXXX and thats where I sent it but I was told that transaction is in the XXXX XXXX so the receiver cant receive the funds so I had to cancel that transaction as well but I never received my refund for {$2000.00}. Ive made a claim on XX/XX/XXXX,2020 and when I call XXXX XXXX XXXXhey say the released the funds to my bank and when I call my bank they say they dont see any funds from XXXX XXXX. So the very next day XXXX XXXX pulls another {$2000.00} from my account and I called Bank of America and told them XXXX XXXX pulled {$2000.00} for no reason. Bank of America gives me {$2000.00} as a credit until the solve the issue with XXXX XXXX but they never resolved the problem with XXXX XXXX  and took the credit they gave me back. Now there is {$2000.00} that were never received in XXXX or XXXX but funds were taken from my account. Now my account is XXXX  and I refuse to pay it bc its not fair and I even showed Bank of America the dates of one transaction XXXX, XXXX and XX/XX/XXXX. I received one refund but the second refund I never received but yet an extra {$2000.00} was taken from my account. So basically I was legally robbed and XXXX XXXX  says they sent it and Bank of America says no. So now My account is negative and Im trying to get my money back Im not asking for anything except my money. Then XXXX XXXX from the app closed my account with them and now I cant see any of previous transaction. So I want to file this complaint against XXXX XXXX and Bank of America. How can you help?

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 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have repeatedly received invitations to apply for a modification and when I call to inquire, I am told that I was reviewed and did not qualify- however when I asked what was used to determine my qualification- there is no response. My concern is how could I have been reviewed if I was denied at the same time I was told more proof of income docs were needed, how could I be properly reviewed and denied in a matter of days? I sent in my application on XX/XX/XXXX and was denied a few days later ( as I was being asked for more documentation ). I have received incorrect information from my point of contact XXXX. He seems to take things very personally w me and is very rude and difficult to communicate with. 
I am requesting to submit settlement plan, but my representative has not sent me any detail on how to do so. I have received incorrect information from my point of contact XXXX. He seems to take things very personally w me and is very rude and difficult to communicate with. I have also advised SLS that I am experiencing COVID hardship and they were previously advised that I was affected by the CA Wildfire disaster of XXXX & XXXX. Both of which garnered no response from SLS. 
Furthermore an offer was submitted in XX/XX/XXXX, w a required down payment in XX/XX/XXXX and a notary- during the height of COVID 19. When we were under STRICT stay at home orders.

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 2021-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
According to a XXXX XXXX, my BMWF account is 49 days past due, this is stated in reply to prior complaint filed, pertaining to a returned payment and error with bank information provided for it.. The reply also states the amount of {$2300.00} is past due.. Neither statement is true, the account is paid until XXXX with a credit balance, I do not owe {$2300.00} nor is it past due.. It appears this person took an unusually long time to reply, the prior complaint was submitted on XXXX, I have just received reply today on XXXX which is almost two months ago. I do not know what the delay was, however, the information provided is inaccurate. I do not know if the reply was submitted late or if rep chose to send it today, XXXX The letter is dated on XXXX, I can only assume it was submitted as of today ... If thats the case, then I do not know the reason for the false/inaccurate information unless it was gathered months back, only submitted as of today 's date which does not make sense to provide old information.. Her reply also states the payment for the month of XXXX was placed as a " D-no rating '', I have no way to confirm this as I do not have copy of a credit report available. However, given the false/inaccurate info provided, I would request BMWF double check this to make sure it is accurate. Further, I request the ACH block lifted, allowing ACH payments as the last ACH return was not my error, correct routing and account number was provided via BMW site. I have confirmed correct information entered by speaking with XXXX reps. As far as I know, the block is still on the account, I have been making payments through XXXX via their bill pay which are electronic and have all cleared..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: TX

Complaint narrative:
My job was impacted by COVID19, and I look for a job 35 hours per week. They will not work with me on deferring my loan. They absolutely will not work with me. I spoke with a lady named XXXX on XXXX/XXXX/2021 at XXXX XXXX CST. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I have accounts with several banks and credit unions. All banks and credit unions provided my tax documents electronically ( usually a downloadable document from their website ). This is true for various tax documents ( XXXX, XXXX, XXXX, etc. ). The Navy Federal Credit Union, however, does not provide an electronic copy on their website. 

I called to ask for the electronic copy, but the customer service manager responded that the Navy Federal Credit Union only sends paper versions by mail. I explained that every other financial institution provided electronic copies, which should be standard after the pandemic started 10 months ago. The Navy Federal Credit Union refused. 

I explained that every other business has adopted to operating during the pandemic by providing documents electronically and that I would need the electronic copy to respond to requests by the IRS by email. This is quite frustrating and antiquated. 

Does the CFPB provide guidance to financial institutions for providing electronic copies of documents, especially during the pandemic? Thanks very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
When I opened my BBVA Savings account, I thoughts its an ONLINE Savings Account with no fees. Now I just realized they charge me a quarterly service fee of {$15.00} and my account is over-drafted. I would like to close this account and reverse those fees. Given the pandemic crisis situation, I just got laid off from my job and I am unable to keep with my current obligations with BBVA. At the same time, I DID NOT know that my savings account is having a quarterly service fee of {$15.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late US DEPT ED XXXX not mine

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 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the infomation on this account ( XXXX XXXX creditor ) 5 times trying to get Transunnnion to provide accurate information to my credit report and as of today XX/XX/XXXX they have refused. below are the dates and times I have contacted them. trying to resolve this issue XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX certified letter was sent to them XX/XX/XXXX tracking number XXXX XXXX in addition to the mailed documents suporting my claim the documents were also uploaded to transunions web sight on XX/XX/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 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: AK

Complaint narrative:
Back in XX/XX/2019, someone gained access to my XXXX XXXX account information and completed wire transfers of large sums of money into my account, XXXX XXXX However, XXXXXXXX XXXX  continued to accept deposits from these people well after my call to them informing them of the fraudulent activity and froze my assets for about 2 weeks. In return, they forced me to close the account that I had with them for 8years with no problems before this other than a few overdrafts paid immediately ; they printed a check for my funds in the account. To my understanding, there were no fees owed to them, so I don't understand what their motive is. Because I called XXXX and made them aware of the strange activity, the thief or thieves I don't know who the XXXX they are could not do what it was they set out to do. 
So I took my check and deposited it into my new credit union account, however ;, now that I have relocated from XXXX to XXXX and have attempted to open a local bank account, I have been denied ; I made another formal complaint against XXXXXXXX XXXX, got a letter stating they are working on resolving the issue and will be in touch. Well, that was about 3 or 4 months ago, and I have yet to hear anything, so I think the issue is resolved! Wrong again, I am ; I go to cash a check at the local XXXX and get denied there. I call XXXXXXXX XXXX again ; the lady gives me the number to ChexSystems, helps me print off a report, and noted this report. Still, a bunch of inquiries, I call ChexSystems back, and the man tells me he can not help me and that I should call the financial institution. Who am I supposed to call if I don't know who has blocked me from having a bank account in 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