vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
In XXXX, I was looking to refinance my house with XXXX XXXX. They told me I owed {$30000.00} more than I had told them I owed. Bank of America had added {$30000.00} in legal fees to my loan. I had been previously sued by an adjacent property owner because they wanted to use my driveway to access their property. They lost. My mortgage deed does state that the bank is allowed to charge " reasonable " attorney fees ( in a situation like this ) if it has the potential to seriously negatively affect the value of the property. The fees were not reasonable, and there was never a threat to the value of my property. I have an appraisal stating this fact. I retained an attorney once I learned all this, to sue the bank for the {$30000.00}. My attorneys fees ended up being {$30000.00}. The bank has agreed to remove {$30000.00} from my mortgage, and give me {$5000.00}, but they have done neither, and I don't have access to my mortgage account that I pay faithfully every month. So, I ended up paying the money I would have paid to the bank to an attorney instead, and still don't have the {$5000.00} ( that my attorney said the bank agreed to ), or access to my account. And I wouldn't have even known the {$30000.00} was added had I not applied to refinance my house.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This information is not mine, it does not belong to me and I do not want it in my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This information is not mine, it does not belong to me and I do not want it in my report. 

XXXX XXXX XXXX XXXX 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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My truck was stolen from in front of my house and all my things were in it phone, debit cards, credit cards, license etc. I was calling to close all my accounts and cards and noticed my Chase bank account had been compromised and someone was filtered out my money from Chase to my XXXX. All I can guess is that it's the bank debit card they had to get my money, since I have no debit card to my Chase account because they never sent it. I called disputes at Chase, told them what happened and seen on the federal commissar site to tell them it was reg-e dispute. They literally laughed at me and hung up. That was on XX/XX/XXXX and I have since had this claim denied three times with prove to them that everything I said was true. They also denied every claim after this as well. On XX/XX/1929, XXXX I had attempted to use the virtual atm and the only way to transfer money even to ATM is through XXXX. Somehow these transfer were given to my account at XXXX, but then XXXX says they rejected them and gave them back to chase, but no money has ever been given back. But online on my statement it says rejected returned to XXXX. Not one bank in over 30 days has issued me a provisional credit. Chase gave me a provisional credit for the first set of XXXX  payments that were fraud for the XXXX, but then two days later they took it back. It over drafted my account by that much and by this point I had lost additional XXXX through return reject from XXXX and Chase. They are not willing to do anything but continue to deny my claim that I gave them all the paperwork, saying that it should have been put back into my account. While my account was over drafted, I also lost my paycheck ( majority of it ) through Chase to cover the XXXX they took back with no right to do so. I asked them for the investigation they did. They would not send it to me but said someone hit the button saying they were sure they wanted to send it so I was responsible. It did not matter to them, it my phone was not in my possession at this time. I called XXXX about the payments to find out where they were returned and rejected payments back to, but their answer was nothing and closed my account on their own. To this day, I have yet to recover any of my funds back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My joint account with XXXX XXXX was closed in XXXX of XXXX  by my daughter. I need a letter stating that the joint account is closed and has XXXX balance. The letter must state this joint account is closed and currently has no balance. I requested this information and they did not want to provide this letter and mail it to my current home address. I need this for a financial background check to renew my section 8. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I cancelled my refi with XXXX within the 3 days, this was not disputed. however, XXXX sent the payoff anyway. The payoff was made on my house account ( with XXXX ) and then reversed within the same month. A month and a half later I get served with a lawsuit where XXXX is suing me for my house, saying I took their money, even though I still had the outstanding mortgage balance with XXXX. This has been going on for over 3 years and last week a judge granted XXXX a lein on my home. I need help, no one is following the rules here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit 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: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I have an Ulta rewards credit card. I have not used the card since XX/XX/. I made a purchase XX/XX/. I decided to look into my past purchases to see everything i order and the shipping status and noticed there were 5 transactions On XX/XX/XXXX  that I did not make. XXXX of these transactions were cancelled, however, someone made an actual transaction with my ulta credit card and picked up the Item in store. I looked at my credit card transactions and there was the purchase on my statement. I called the number on the back of the card 3 times, tried to get ahold of a real person to talk to but the automated robot would not transfer me. I reported the fraud to XXXX XXXX. I then called the ulta number again and decided to cancel the card and account. The robot said a new account was opened and ill receive a new card soon, but that doesnt help with the charges made from the person who stole my credit card information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has been notified on multiple occasions that the information they are reporting regarding bankruptcy. No valid bankruptcy. Please remove this from my credit report. I have also contacted XXXX XXXX  and confirmed that they have not verified any such information with you.

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 2023-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT APPEARING ON MY CREDIT FILE THAT IS NOT MINE. 

ACCOUNT TO BE DELETED : 1. CREDIT COLLECTION SERVICES, # XXXX - Refer to your collection letter dated XX/XX/XXXX. I have never received a previous collection letter from CREDIT COLLECTION SERVICES violating my federal civil rights under the FDCPA by not allowing me to respond to their collection attempt. 

- Refer to my attached credit report where XXXX XXXX XXXX reported negative information on my credit file on XX/XX/XXXX, highlighted, to all three credit bureaus in direct violation of the FDCPA. This was three months before their attached XX/XX/XXXXXXXX  dated collection letter was sent to me via standard mail. 

- It should be noted that Credit Collection Services attempted to collect a debt in California without being licensed to conduct business in California per the Calffornia Secretary of State website, they debt was paid to XXXX XXXX XXXX in protest due to my XXXX XXXX dollar home purchase in escrow is in jeopardy of being canceled due to the above account dramatically affecting my credit scores. I have had to pay an additional {$13000.00} on XXXXXXXX  to keep my escrow open due to this negative and errored information being reported to all three credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting 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: RI

Complaint narrative:
I DONT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-02 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Please note, this is not a duplicate complaint and I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. The law says that you must block these accounts while being investigated, and I expect that you will do so. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX XX/XX/2023 ; XXXX  XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/XXXX, XXXX these items above should be removed from my 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 non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
The Company is Credence Resources Manage Account # XXXX Trying to collect {$110.00} for XXXX XXXX XXXX I moved from XXXX XXXX XXXX to XXXX early this year. We called XXXX XXXX XXXX from the XXXX store. Told them we was cancelling our service with XXXX XXXX XXXXWe also ported our phone numbers we had with XXXX XXXX XXXX. I did not trust XXXX XXXX XXXX so after we left XXXX I went to a local XXXX XXXX XXXX store and told them that we was cancelling our service.I did this because a friend previously told me not to trust them. Now Credence Resource Manage has been calling us constantly telling us he had to pay the {$110.00}. We done everything correctly. I have excellent credit. I always pay my bills promptly but now they are going out to all of the credit reporting agencies about this collection. Thank you so much for your help. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Atlantic Recovery Solutions LLC
State: TX

Complaint narrative:
There are several companies trying to collect this debt of {$710.00}. XXXX XXXX XXXX XXXX on my credit report who sold to XXXX XXXX XXXX and Atlantic Recovery Solutions who purchased from XXXX XXXX. XXXX called on XXXX at XXXX went to voicemail, XXXXXXXX XXXX left a message, XXXX I called back left him a voicemail, and XXXX am I answered went off on him. At XXXX XXXX  I called back got the information. Company named XXXX XXXX hired him provided two Texes addresses and an Ohio address my Michigan phone number. At no time did I provide them that number nor any other address outside of Texas. They have my Texas phone number and violated by calling me before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I'd like to get a credit card from Barclaycard because they are the sole issuer of JetBlue co-branded cards. 

Each time I apply, they deny me without pulling my credit report citing unsatisfactory account history with Barclaycard. 

I previously had credit cards with Barclaycard. For some reason they won't tell me they decided to close my cards on XX/XX/. It has been more than 7 years since this passed and yet they won't issue me a credit card. 

As a XXXX area traveler it's very important to me to have a JetBlue co-branded credit card, and since Barclaycard is the sole issuer of JetBlue cards I find myself in a bind due to Barclaycard 's lack of consideration in issuing me a credit card.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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