vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Applied for a credit card {$300.00} was taken from my checking account I never used the card months later I was sent a check the check has expired

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 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Submitted a credit card application in early XXXX and Chase Bank pulled my credit score. On XXXX, XXXX, I received an email about a message that was posted to my account that I should read and then call them. I tried every way possible to get into my account to read the letter, but nothing has worked. I subsequently got a hold of them via chat and was told I has to call in to speak with them. I called them and was originally told that I needed to call another department, but they werent open again until XXXX EDT on Monday ( XX/XX/XXXX ). Turns out my application was somehow routed to their Fraud Operation department and no one else can discuss it with me. 

I have now called this new number 5 times and been put on holds ranging up to 90 mins with no answer. Because of this, I reached out again to the general customer services but was told again that only the Fraud department can discuss this. I have now been on hold with them for a total of over 4 hours with no end in sight. 

They said they need to talk to me, but they will not call me or reach out to me directly. 

This is well beyond ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been suffering since XX/XX/XXXX as Bank of America employee due to lack of proper communication updated.my information on to XXXX XXXX. 
I had just newly moved to the United States and wanted to open a checking account for employment payment purposes. 
Since then several times I have tried to contact Bank of America both local and Headquarters to get this resolved but had no success. I filed a complaint with consumer finance during XXXX and immediately I received a callback from Fraud Prevention Team of Bank of America who apologized to me for the error and assured me that the information had been cleared and going forward this would not be an obstacle for me to get a checking account opened. 
Apparently no action after that phone all has been taken as still I am unable to open a checking account. 
I have a account which is a online checking service which I use for my payroll. 
I am flight attendant with XXXX XXXX and this is causing me a lott of stress and embarrassment. 
I seek your assistance. 

My Name : XXXX XXXX XXXX Cell : 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 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I was a victim of a foreign initiated elder abuse financial scamming scheme that was facilitated, in part, by improper actions taken by representatives TD Bank NA. 
Scam occurred on XX/XX/2021in the amount of {$28000.00}, see attached summary documents for a more defined understanding of my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXLVNV FUNDING ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ... XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX XXXX XXXX listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: Conn's, Inc.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ... CONN XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry 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 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reporting all three credit bureaus to the Consumer Finance Protection board for reporting judgements, liens, and public records on my credit report in XXXX and XXXX they removed the items from my credit report, 2 yrs later the credit bureau transunion put the judgements, and liens back on my credit report when I failed to monitor it, there are 2 tax liens for {$17000.00} from XXXX XXXX and {$17.00}, XXXX from XXXX XXXX that was reported by the internal revenue service, I sent the tax lien arrearage slips to the credit bureaus, and they removed them, and transunion blocked me from entering the website, and started reporting a whole bunch of judgements, and tax lien, equifax has a paid off child support account theat they have not removed after 13 yrs they need to delete it, when they garnished my stimulus check, these credit bureaus are negligently reporting judgments and liens and is showing up on my credit as federal tax liens, I have submitted the judgements and tax liens as evidence that they are in violation of the FCRA. They need to delete these items from my credit report as they are private. Transunion, and XXXX, is reporting judgements/public records by XXXX court, when they are not supposed to, there is a XXXX XXXX XXXX XXXX account on my credit report for {$6700.00} that is an eviction judgement. The judgement is a court order and is not supposed to be reported on XXXX and transunion are not supposed to be reporting it, 2 accounts for XXXX XXXX or XXXX XXXX XXXX, I signed no contract with that creditor so I don't owe anything to them, the bureaus are not supposed to be reporting it either there was no verbal, or written contract between XXXX to collect the debt that is now time barred two XXXX XXXX had to remove the debt from my credit report so they sold it to XXXX XXXX without any 5 day notice or 30 day notice nor contract, XXXX XXXX took it upon themselves to try to report to the bureaus, if I have signed no contract or notice they are by law supposed to remove those accounts. They are also putting duplicate accounts on my credit report the bureaus do this purposely to drive the score down further

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 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX and I do not have a contract with FINANCE SYS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX ... XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ... XXXX XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I've been requesting to cancel the escrow account with current mortgage company, XXXX XXXX XXXX ( serviced by Dovenmuehle ) since last XXXX. I called numerous times and emailed a couple time but theyre not either cancelling the escrow account nor resolving the problem. Instead, theyre charging the late fee although I made a payment on XX/XX/XXXX and making negative impact on my credit. 

The reason why I want to cancel the escrow account is that they made my property taxes due in XXXX delinquent until XXXX. Theyre not capable of following up the taxes in timely manner. I would not like to deal with them any more in regards to my taxes. 

I received the escrow analysis from them and see the escrow account shortage amount of {$1900.00}. I made a payment on XX/XX/XXXX to make up the shortage amount on the top of principal and interest, which is {$5600.00}. 

- property tax paid in XXXX : {$8600.00} - escrow amount I paid since XXXX till XXXX : {$6600.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - - escrow shortage : {$1900.00} payment for XXXX : {$3700.00} ( principal and interest ) + {$1900.00} ( shortgage ) = {$5600.00} {$1000.00} Until today, theyre not trying to resolve the matter but trying to charge me {$12000.00} escrow reserve amount and raised the monthly payment by {$3000.00}. 

Instead Theyre not trying to resolve the issue, theyre trying to hold more money from me and put my credit jeopardized. 

Theyre not qualified and responsible lender / mortgage servicing company. Please address this matter with them and they have them take an action to correct this right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AppFolio, Inc.
State: UT

Complaint narrative:
XX/XX/XXXX, attempted to fill out a rental application as a co-pay for my granddaughter with XXXX XXXX XXXX, which, in turn, uses AppFolio, Inc for a Credit background check. My issue is with AppFolio 's data collection software : First, requires a full page of my Employer data -- I am XXXX and retired. I cheated that page by filling in with my XXXX XXXX XXXX. Then they asked for my SSN, I realize they can do this, but the company is not even affiliated with the XXXX, though they are listed on XXXX. The BIG Issue : In order to show income/assets, they ask me to provide Username an Password -- In this case, XXXX XXXX XXXX This would give them a significant amount of control over my Investment account with over XXXX XXXX  dollars in assets! IS This LEGAL? 

Obviously, I canceled the application. I tried to contact AppFolio Customer Relations twice, XXXX XXXX and XXXX, and only received a pro-forma program response " contact your rental agent to find a work-around ''. -- I had specifically asked for a phone call, but they would not comply. I realize this company does a great job for their rental agency customers, but rental payment customer? 

My background : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know " a little bit '' about credit scoring : - ). 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
did not get proper notification of the debt and I want to request for the debt to be removed from my credit and sent back to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: MS

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX  and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

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 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX I asked to come out of a mortgage deferment program with Chase, which was originally supposed to end XX/XX/XXXX. I was assured by a 'manager ' on the phone that I would be taken out of the program. At that time I paid all the deferred payments ( XX/XX/XXXX ), and have made my normal monthly payment since. The account is current and has no missed payments. 

Chase extended my deferment to XX/XX/XXXX without notifying me or any input or agreement from me. Based on my interactions with Chase, I had no idea this was done. I received no communication about it. Additionally, they have held payments I made to the mortgage as 'unapplied ' funds, resulting in me having to continually call someone to apply the payments. 

Chase confirmed by phone that I requested to be out of the program in XXXX, but it might not have been processed because their system takes a month to update. Unfortunately, they won't fix the issue or provide me anything in writing or electronically. I've been trying to refinance my mortgage to take advantage of better terms in the market, and I've been unable to do so because of their error. Every lender I've talked to won't work with me because my loan is considered 'deferred. ' This has resulted in considerable lost money ( appraisal fees for applications that go nowhere, higher mortgage payments because Chase 's error is keeping me from refinancing to better terms ) and considerable lost time ( going thru the refinance process with lenders only to have one last unresolvable underwriting issue - caused by Chase ). 

I believe Chase is doing this to intentionally make it hard for me to refinance and take my business elsewhere. I've received 0 resolution after multiple time contacting them and multiple escalations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: WI

Complaint narrative:
I have been disputing inaccurate information on my credit report with XXXX, Transunion and XXXX  and on several separate occasions they take longer then the 30 days to process the disputes and have all told me if the creditor says its valid they will not remove the information even though the creditors can not and refuse to provide documents to myself or any of the credit bureaus validating the debts. 

Ive requested debt validation paperwork and written information to be provided to me in regards to their reasoning for denying my dispute and they refuse to send me information.

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 2021-07-21 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: WI

Complaint narrative:
I have been disputing inaccurate information on my credit report with XXXX, XXXX  and Equifax and on several separate occasions they take longer then the 30 days to process the disputes and have all told me if the creditor says its valid they will not remove the information even though the creditors can not and refuse to provide documents to myself or any of the credit bureaus validating the debts. 

Ive requested debt validation paperwork and written information to be provided to me in regards to their reasoning for denying my dispute and they refuse to send me information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAPITAL ONE BANK USA N XXXX ... XXXX  XXXX ... XXXX XXXX XXXXhat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief