vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: UT

Complaint narrative:
Requesting US bank to provide by mail the original note of their alleged debt that they are reporting to the credit bureaus under my name to be mailed to me at my address with all statements on this account. Failure to provide the original note per legal law. Only the original note holder is allowed to collect a debt. Failure to produce all these original documents will be considered violations under law. And the continuing of all credit reporting to the credit bureaus as well.

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 2021-10-27 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: FL

Complaint narrative:
It's seems XXXX and Equifax continue to have outdated, incorrect and wrong information based on credit scores impact, denied credit and great varience between XXXX and them -- XXXX, here 's your credit snapshot Not Boosted XXXX Learn more XXXX XXXX XX/XX/2021 XXXX Fair XXXX See all 3 Bureau XXXX Scores Credit Usage 97 % Total Debt {$160000.00} Open Accounts XXXX Inquiries XXXX Try XXXX XXXX credit-boost-image Instantly Boost Your XXXX Score Did you know your credit could benefit from bills you already pay? Try XXXX XXXX today- it's free! 

Looking for new ways to save? 
Based on your credit report, we found XXXX things you can do today. See your savings plan What would you like to do today? 

Review New Data Improve Your Credit Get Rewarded Protect Your Identity XXXX XXXX XXXX  & reg ; XXXX XXXX & reg ; for Rebuilding Credit Robert, you're pre-approved for an offer from our partner XXXX XXXX XXXXXXXX  
About 90 % odds of approval, subject to final checks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
We recently changed our home insurance from XXXX XXXX to XXXX. Our mortgage holder Bank of America, mistakenly informed us that we had no home insurance and they said they purchased home insurance for us and tried to charge us {$310.00} a month for it. We went on the phone several times with service representatives who assured us that the problem was fixed, but the bank kept sending us bills with the escrow charge for the insurance that we had not asked for and did not need. My last call was in XXXX with a woman named XXXX. She told me that she had found the problem, had fixed it and that she would have the bank do a new escrow analysis to take the charge off our bill. She even gave me a case number : XXXX. The bank sent us the paperwork that the problem had been fixed. But we recently received a new bill with the insurance charge on it again. At this point I do not believe that the bank is making a mistake. I suspect that this is a business strategy to wear down consumers and force them to make payments for insurance that they do not need. I would urge the CFPB to investigate Bank of America to see if they are doing this to a lot of homeowners. I should not have to hire an attorney to fix this but I am getting ready to do so because I do not trust that the service representatives who answer the phone and claim to " fix '' the problem are really doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
On XX/XX/XXXX, we moved to another state and submitted a request to transfer title. The DMV faxed Bridgecrest Acceptance Coprporation ( subsidiary of XXXX  ) a request for title transfer on XX/XX/XXXX. I have made several phone calls to this company ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ) and received conflicting information regarding the title transfer. Several representatives advised that the title transfer process would take 7- 10 business days, and that the request was in process. This was a lie. As of XX/XX/XXXX, I was told the process would take an additional 8 weeks to make a state title transfer, which means that the state will not receive the title until XX/XX/XXXX. Without the appropriate license plate, I can not legally drive the vehicle for the next 2 months. The company consistently fails to acknowledge customer concerns, and makes it hard for the consumer to transfer their business to another company. 

Bridgecrest Acceptance company is a subsidiary of XXXX, and XXXX that was investigated and charged with fines in XXXX for poor business practice. Please investigate Bridgecrest. Please also see the numerous XXXX  XXXX  XXXX  complaints filed against this company regarding title transfers, pay offs, and potential insurance fraud ( regarding accident insurance claims ) XXXX  : XXXX or XXXX  search bridgecrest  complaints XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have been fighting with BestBuy since at least XX/XX/2021. My card expired, I never received the new card. The new card was apparently accessed by someone else, has been flagged by BestBuy as fraudulent and I have a letter of recognition of this. Yet I am continuously getting calls and letters from various debt collectors over this account that BestBuy itself recognized was done fraudulently.

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 2021-10-27 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: CT

Complaint narrative:
I have contacted TransUnion several times in regards to inquiries that are listed on my credit report that were not authorized. Transunion has refused to remove these inquiries that are were not authorized by me. Some inquiries do not match the accounts that listed open on credit report. 

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX  ( Hotel and travel ) 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 2021-10-27 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's seems TransUnion and XXXX continue to have outdated, incorrect and wrong information based on credit scores impact, denied credit and great varience between XXXX and them -- XXXX, here 's your credit snapshot Not Boosted XXXX Learn more XXXX Data XX/XX/2021 XXXX Fair XXXX See all 3 Bureau FICO Scores Credit Usage 97 % Total Debt {$160000.00} Open Accounts 6 Inquiries 70 Try XXXX XXXX credit-XXXX-image Instantly XXXX Your FICO Score Did you know your credit could benefit from bills you already pay? Try XXXX XXXX today- it's free! 

Looking for new ways to save? 
Based on your credit report, we found 6 things you can do today. See your savings plan What would you like to do today? 

Review New Data Improve Your Credit Get Rewarded Protect Your Identity XXXX XXXX XXXX & reg ; XXXX  Visa & reg ; for Rebuilding Credit XXXX, you're pre-approved for an offer from our partner XXXX XXXX XXXX. 
About 90 % odds of approval, subject to final checks

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 2021-10-27 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sequoia Financial Services
State: CA

Complaint narrative:
According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, Sequoia Financial Services, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account.

Your failure to verify this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.

Sequoia Financial Services has failed to validate the alleged debt. Sequoia Financial Services sent copies of bills. Sequoia Financial Services did not send a signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report and I have made multiple attempts to speak to them in order to correct the issue. They are reporting a debt of {$1300.00}, when in reality the payment for this account was made on XX/XX/2020. 
Please see the attached check which was clearly cashed by XXXX. They are claiming that there were 2 national grid accounts but thats absolutely NOT TRUE. Please see the attached check and mark this acount as paid. WE reached a settlement deal and 50 % of the debt was accepted. This account was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I paid off a promotional balance on XX/XX/21. The balance owed on the promotion was {$180.00}. I paid {$180.00}. I was charged {$81.00} in interest. I tried to have this rectified the following month when I saw the interest charge. I sent multiple messages in regard to the interest charge. I sent another message on XX/XX/21 for a status update was told to call. I called and spoke with XXXX, then a supervisor XXXX ( female ) telling me a letter was mailed to my home which I never received stating the interest charge is valid. XXXX said that because I did not pay over the minimum each month, I owed the interest which does not make sense if I paid the entire balance of the promotion off in time. It shouldn't matter that I did not pay more than the minimum each month if I paid off the entire balance of the promotion before its expiration. I have been charged interest since XXXX so I would like reimbursement of {$90.00} and any additional interest I am charged in the meantime while this is investigated. 
**Update XXXX I was refunded the {$90.00}, however I was charged ANOTHER interest charge of {$2.00}. On top of that, this company has still not applied the payment I previously paid to the payment plan which was to be paid off in XXXX. I have asked them multiple times now to apply payments to that plan specifically to pay it off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
City bank Costco Visa card is charging me a late fee and interest that I dont know why. How can people be on time paying when they receive the statement late. I paid my bill entirely last month after I received it which was already late. This month I got it a week before the due date. City bank has made it a money maker out of this which is well documented on line. I called them, tXXXX XXXX XXXX XXXX XXXX you got a late fee refunded last year. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-27 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
Freedom Mortgage just acquired my mortgage from a different servicer. It hasn't even been a month. But i received a letter from them that I do not have Hazard insurance ( which i do ), therefore they purchased it for me and it will cost significantly more. 
The previous mortgage company should have the insurance on file and, since they purchased my mortgage, they should have received it. But if they didn't they must give notice for me to provide the insurance before they go ahead and purchase it. 
This seems like a scam and I would bet they are doing to many more people, probably putting people in financial trouble with this unexpected cost.

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 2021-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Regional Finance Repoed the car, they remained on my credit and since it has been 7 years and they were to drop off my credit they sent as a debt to IRS. Falsey represented themselves for interest for 7 years on a car the repoed and a loan I no longer had.

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 2021-10-27 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: Navient Solutions, LLC.
State: OR

Complaint narrative:
I submitted a dispute, several times now, because XXXX refuses to fix my credit report. My XXXX XXXX loans are all DISCHARGED AND CLOSED. I want them removed. I disputed it with XXXX. XXXX sent me a letter saying Navient is claiming that they are not closed and refuses to remove them. One of the two of them is LYING because I have proof they are closed. This is the THIRD complaint on XXXX. SOMEONE NEEDS TO DO THEIR JOB AND FIX IT. I am ONCE AGAIN submitting proof the loans should be reported as CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Had a wire transfer to XXXX XXXX XXXX XXXX from Chase bank that was to be forwarded to The XXXX XXXX XXXX XXXX XXXX XXXX. The transaction was rejected and sent back to Chase bank and they are telling me that they never got the money and the credit union is telling me its already been returned the same day which was XX/XX/2021 It was {$110000.00} to our employees credit union account in Connecticut from Arizona chase bank account Are they going to keep my money or can I get my money back its missing?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
This is my fifith complaint. 
I do not consider the matter closed. 
As I have stated my account was closed as part of a Covid 19 payment program to bring my outstanding balance back into good standing. 
In good faith, I have now brought my account into good standing for some months now and you refuse to reopen my account. This shows bad faith. 
I was never informed that once closed that my account could not be reopened. I do not see that detail in any of the small print associated with the opening of the account. 
I have had other credit card companies close my account for the same reasoning but they have allowed me to reopen the account once in good standing. 
Why are you different. 
I was a good customer for many years with an excellent payment history. 
The pandemic has caused economic hardhsips for many Americans of which I am one. 
How can you expect me to just accept this and continue to make payments without the proper use of my card? 
You offer me no alternatives so I am going to seek legal aid for your usury practices and possible claims filing. 
In the meanwhile I am not going to be making any more payments until this matter is resolved. Please do the right thing!

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 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: NJ

Complaint narrative:
Dynamic Recovery Solutions they continue to call my personal cell phone. I have no outstanding debt for whatever it is calling about. I didn't go into conversation. I only have one outstanding debt with a student loan which it in forebearance and not negative at this time because I am XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2021 Had a job opportunity for XXXX XXXX, I had applied through XXXX which they contacted me apparently from a fake job from XXXX. They said I was hired after 20 minute interview. We went over the material needed and they emailed me the check that would be mailed back to me after sending in my payment. And thats were I got scammed out of {$2000.00}. After that they was another {$500.00} with a gift card. Which I didnt do but did XXXX wire money through my Chase back. Which said XXXX doesnt have any protection against scams or fraud. Chase said all they can mail be a paper of the XXXX policy.

Company response to consumer: Closed with explanation