vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
Commonwealth financial sent me a later for a hospital bill for XXXX. And said that the account was opened in XX/XX/XXXX but they reported to my credit saying it was openXX/XX/XXXX. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Late XX/XX/2021 I moved to XXXX XXXX from XXXX Oregon, I have checking account with Bank of America. I needed to withdraw money from a local ATM couldn't from several weeks. I tried to get online with the bank could not do it. I have called several times to the Bank to no avail, several departments such as Customer Service, International Support, Fraud Desk, Cliente Care Executive Response Team no help whatsoever. I am a retiree who depends on Social Security pension my need is such that I need to pay locally rent, food, transportation besides medication and doctores for my relative that was the reason a came to XXXX to help a relative. It has been already 2 months and no help. I am about to send documentation where it shaws my name including social security number, US passport, US citizenship certificate, my birthcertificate, my drivers license from the state of Oregon, letter from the same bank indicating the date Social Security makes direct diposit. I have nobody to orient me for this case my only recourse was to get in touch with Congressman XXXX XXXX who was able to reach to Consumerfinance.gov. Thank 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 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX ( Recent ) has not reported my Mortgage to the credit companies in 6-7 years since I was sold to them from XXXX. Making it look like I do not own property and am not getting the credit I deserve.

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 2021-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My lease ended XX/XX/21. I was quoted a lease-end buyout cost of {$17000.00} good through XX/XX/21. On XX/XX/21 I overnighted a personal check as instructed, in the amount of {$17000.00}. Chase Auto Finance deposited my check on XX/XX/21. 

I then received the title and bill of sale via USPS mail on XX/XX/21. The amount reflected on the bill of sale is {$16000.00} XXXX {$15000.00} plus sales tax of {$1300.00} XXXX. I overpaid for the vehicle in the amount of {$320.00}. 

When I called Chase customer service number reflected on the bill of sale on multiple occasions today XX/XX/21 at XXXX XXXX XXXX XXXX, the representatives transfer me to the Lease-End collections/default department and vice versa. No one will assist me. I did speak with one representative who indicated the amount of overpayment represents a lease installment payment due of {$270.00} plus an unknown {$50.00} fee, however, I did not have any additional payments due under the terms of my lease. 

The rep XXXX was unable to further assist me and indicated that the department that handles such matters " does not speak to customers ''. He indicated a ticket would be opened but would not provide a reference number and said it will take 8 days for someone to get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Regarding COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX XXXX " The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at XXXX XXXX XXXX XXXX XXXX about its response to this complaint. '' No response from the company- The company has not addressed any of my issues as no response was provided. The company has NOT responded in writing either to me or to the CFPB. The telephone provided to get a verbal response goes to a general, unidentified voice mail. This is unacceptable. To reiterate : NO RESPONSE, NO WAY TO CONTACT THEM. 

" The CFPB has closed your complaint. " CFPB did not receive/post company 's response and did not follow up and verify that a response was given. In both instances CFPB is not doing its job just padding " closed cases '' statistics. UNACCEPTABLE. Please open a complaint, ensure the company responds and verify that this is a valid response. 

YOUR COMPLAINT Deposited a {$2100.00} check on XX/XX/XXXX to my savings and checking accounts. The bank put a hold on it claiming the initiating financial institution will not make funds available until XX/XX/XXXX ( call to bank at XXXX XXXX  AZ time ). I checked with the issuing bank who representative stated thtat that is not true as they make funds avaiable immediately. Transfered to BOA Deposits Mgr XXXX who stated it's a Reg CC hold, funds not available until XX/XX/XXXX and told me info on overdraft fees. Why such a long hold? Reg CC says non local financial institutions must be available on 5th day. Is this another BOA scheme to use funds without crediting depositors timely?

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 2021-07-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they do not belong to me Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is 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 2021-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
A savings account was opened at a Navy federal credit union by someone whom stole my identity.To be a member of NFCU You must be current/former military and or be sponsored WHICH MEANS THIS PERSON CAN BE TRACKED DOWN.They also open account without verifying just whom a person really is, meaning the account was opened online with NO SS CARD AND A ACCOUNT ASSOCIATE STATED NO PICTURE ID. 
That is very disturbing and ONE SHOULD HAVE TO SUBMITT PHOTO ID, of AND SS CARD # .They also claim im not entitled to any of the documents used to fraudulently open the account the LAW SAYS DIFFERENT THAT I AM ENTITLED AND I am the victim being treated like XXXX.When there business practice in opening accounts is questionable at best. 
I may have to hire a lawyer im afraid as i want answers as per how this was done. 
My wallet was stolen bout 5 years ago by a former XXXX veteran but we could not prove it..NFCU may posess A ID with the man whom stole my wallet at work we could not prove he did it but we knew he did it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
On XX/XX/XXXX My wife and I requested a prequal letter from US Bank to purchase a home. On XXXX the Loan Originator issued and forwarded us a prequal letter with an interest rate of 3.205 %, everything was going good at this point and we looked for homes. On XX/XX/XXXX the Loan Originator sent me an email to see how the home search was going. On XX/XX/XXXX I responded to Loan Originators email indicating that the resort like retirement communities we were interested in purchasing at did not use a conventional loan for the purchase as there is a land lease agreement. On XX/XX/XXXX the Loan Originator responded indicating that they could do lease hold properties. On XX/XX/XXXX I responded to the Loan Processor that we were looking at a manufactured home in XXXX XXXX XXXX, and that the land lease was {$720.00} per month. On XX/XX/XXXX the Loan Originator requested the address of the property. On XX/XX/XXXX the Loan Originator sent us a prequal letter. On XXXX we made an offer on the property at XXXX XXXX XXXX. On XXXX the Loan Originator send an email indication that the property that we made the offer on was not eligible for financing. On XX/XX/XXXX I contacted the Loan Originators manager, she admitted that there was a mistake made on their end by the Loan processor, but, there was no process within US Bank that she could use to remedy the situation. So now, we are in a contract to purchase the home and the best finance rate we can find is 5.5 % and the monthly payment is too high, as I am XXXX and am on a fixed income.

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 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
The bank blocked my checking account because of a fraud trigger caused by me trying to make my first XXXX transfer, and they want to verify me by a number that will match my name in public records. No, not the number that was fine when I opened the account. but there is no number in public records in my name. this is an absurd way of verifying and no other bank does this. 
Letting me open an account and depositing and then blocking me and keeping it from me is called a scam! 
I am not the only one with this complaint, I have read online TENS of such reviewis with this same issue - even with costumers as long as 20 years. 
This is absolutely ridiculous and not fair at all.

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 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX / XXXX XXXX is reporting an account that I never opened and been disputing for more than 4 years. 
The account XXXX is showing late since XX/XX/2015 until today ( 6 years ) the statute of limitation in the State of Nevada is 4 years for credit cards but even that XXXX XXXX still damaging my credit reputation.

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 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom or what this may concern, but the information on my credit report is completely inaccurate. XXXX  shows on page 4 & 5 that I don't have a credit card balance for XXXX on XXXX or XXXX. On page 6, it shows that my date of last payment was XX/XX/XXXX but the delinquency shows it started on XX/XX/XXXX ; which is contradictory, the payment history says I paid on time in XXXX. The report shows that my charge off is not present after XXXX, XXXX. XXXX  and Transunion have different information as well. Transunion shows my last payment was made on XX/XX/XXXX on page 1, but as you look on page 2 it shows a payment was made. XXXX  will not even let upload my documents for some reason. I send emails and I don't get a response. 

PS my original student loan account shows that it was paid and closed on all 3 bureaus, so the XXXX account should not even exist.

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 2021-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: DC

Complaint narrative:
Account with IC SYSTEM INC has been disputed on my credit report, however, it has not been removed. I have no knowledge of this account.

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 2021-07-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
21 UNAUTHORIZED INQUIRIES ON MY EQUIFAX CREDIT REPORT : XXXX XXXX XXXX XX/XX/1970 ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was told by a Equifax represenative to call back on XX/XX/2021 for statutus of an existing dispute filed XX/XX/2021. I called in today and the customer service agent hung up on me after I asked for information of the dispute status. The agent refused to give me any information and told me to resend all documents to start a new investigation. I have sent in proof of FTC report with id, social and all required dispute letters. I have been going back and fourth with Equifax for 6 months now and each time I ask if the items were 100 % verified with proof of all required documents due to me being a victim of identity theft they never can provide an answer. By Federal law each credit bureau is required to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, THEY MUST VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. Equifax have not provided me a copy of ANY original documentation required under sec 609 ( a ) ( 1 ) ( A ) ( A ) consumer contract with my signature on it. ACCOUNT DISPUTE # XXXX AND DISPUTE ( XXXX XXXX XXXX. I SENT MY IDENTITY THEFT REPORT FOR BOTH ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I applied for refinancing for my property at on XX/XX/XXXX with the approval of XXXX XXXX, which he said that he would subordinate the HELOC. I explained to the loan officer several times that the refinancing would be for the first mortgage excluding the HELOC. In fact the three ( 3 ) Closing Disclosures ( see attached documents ) dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ( see attached closing disclosure XXXX, XX/XX/XXXX & XX/XX/XXXX ) which revealed no mention of the HELOC. The Payoff Statement XX/XX/XXXX ( see attached payoff demand document XXXX ) showing Present Principal Balance of {$710000.00} which reconciled to my Statement Balance XX/XX/XXXX ( see attached mortgage statement document XX/XX/XXXX ) of {$710000.00}. All three ( 3 ) Closing Disclosures show Loan Balance of {$720000.00}, which could not have included the HELOC of {$48000.00} ( see attached document ) or else it would show loan balance of around {$780000.00}. This support my contention that the loan officer stated to me that he could subordinate the HELOC. 
The Loan Processor was pushing me to pay off the HELOC as she stated on her email I just wanted to quickly touch base with loan update. It seems you are agreed to payoff the HELOC loan. I will complete the reviewing this loan and will submit to XXXX for final review. I dont know how she came to the conclusion that I agreed to pay off the HELOC ( see attached email XX/XX/XXXX document ). 
The Loan Officer offered to include HELOC to the refinancing in the last weeks of XX/XX/XXXX. The Closing Disclosure ( see attached closing disclosure document XX/XX/XXXX ) dated XX/XX/XXXX showed that the rate being offered was 2.875 % not 2.5 % and the Loan Balance was {$780000.00}, which included the HELOC payoff amount. In the last few weeks of XX/XX/XXXX, The Loan Officer was pushing for me to agree to pay off the HELOC and he did not offer me the 2.5 % and the fact was he offered me a 2.875 % rate with higher closing costs. 
All my evidences point to the fact that my right as a consumer was violated. Loan Depot should not get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: GUARANTEED RATE INC.
State: IL

Complaint narrative:
I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( Guaranteed Rate ) ran credit one time on XX/XX/2021 ( Factual Data ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, XXXX  and XXXX. I only got response from XXXX  but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX  provide. 

So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a current copy of credit report as of today. As of today, there is new unverifiable information on my credit report listed within the Public Records section of my credit report. There is now a Bankruptcy being shown that is formally being dismissed. I have disputed this alleged account on multiple occasions this has been directly with CFPB assistance and disputed this negative allegiant Public Record with XXXX, Experian and XXXX on so many times - - - I can NOT even count anymore! 

These credit bureaus have made it beyond impossible to fix this error on their behalf and have not yet as of this date shown any accurate verifiable and certifiable proof of alleged Public Record. 

Attached you will find written communication with review to assist with a permanent deletion.

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 2021-07-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a current copy of credit report as of today. As of today, there is new unverifiable information on my credit report listed within the Public Records section of my credit report. There is now a Bankruptcy being shown that is formally being dismissed. I have disputed this alleged account on multiple occasions this has been directly with CFPB assistance and disputed this negative allegiant Public Record with XXXX, XXXX  and Equifax on so many times - - - I can NOT even count anymore! 

These credit bureaus have made it beyond impossible to fix this error on their behalf and have not yet as of this date shown any accurate verifiable and certifiable proof of alleged Public Record. 

Attached you will find written communication with review to assist with a permanent deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have in my possession a Deposit Certificate with an automatic renewal provision for {$10000.00} not including interest from Wells Fargo Bank ( WFB ) and they refuse to accept it. At first they said it was escheated to the State of California. I have since proved they did not. Now they say they have no records of the investment because the account was closed due to inactivity/dormancy. The document does NOT have a statement that it becomes invalid after a period of time but does have an Automatic Renewal Provision. Since the document has an item number that is 13 digits long and WFB is computerized, I find it a very weak argument that they can not find it. 
WFB took {$10000.00} and promised to give it back with interest upon demand. They are now saying they are going to keep it. This is wrong. 
There is a case number assigned and a reference number assigned. We have exchanged several e-mails but their stance appears to be that they do not keep old records so they refuse to honor the Deposit Certificate. 
Deposit Certificate Number : XXXX XXXX Number : XXXX Case ID : 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