vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights to privacy.

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 instruction. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 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 2022-07-11 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: CA

Complaint narrative:
I received a copy of my credit report and noticed some hard inquires that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-11 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: CA

Complaint narrative:
I received a copy of my credit report and noticed some hard inquires that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC. XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Local Branch Manager XX/XX/2022 RE : Letter of Complaint against Bank of America Dear Sir/Madam , I am a client of Bank of America and I wish to bring your attention to a financial issue that just occurred and has left me in a real hardship. I previously had direct deposit on my checking account payroll check. I will be getting married in XXXX, XXXX and decided to go with XXXX XXXX XXXX XXXX. I removed the direct deposit from the checking account leaving the account open. 

On XX/XX/2022, I came to Bank of America XXXX, XXXX XXXX, Illinois, my local branch and deposited my payroll ( paper check ). Because funds were low, the teller informed me that I could not cash the check, I could only deposit. However, some funds ( about {$200.00} ) would be available the next business day, XX/XX/2022. The rest of the check would be available on XX/XX/2022. 

On XX/XX/2022, I received an email from Bank of America stating that the entire payroll deposit would be ON HOLD UNTIL XX/XX/2022. I then called customer services trying to obtain some resolution. There are several automatic payments set up on my account, not to mention, it was after the holiday weekend and I didnt have access to any funds. Mortgage, vehicle insurance, other bills and wedding plans ALL abruptly stopped. I was devastated. Not to mention, I will NOT receive another payroll check UNTIL XX/XX/XXXX. I feel like I was penalized for removing direct deposit from the account. Same payroll. Same amount. Same company. None of that changed, but because I chose to go to XXXX XXXX XXXX XXXXn, I have to wait 11 days to access my funds. That is totally unreasonable and unfair. 

This has been an utter nightmare. I have been mentally stressed since I made the deposit. Trying to figure out how to maintain until funds will be released. I am sure people have left and opened accounts at other institutions for less issues. It may not seem like a lot of money or a big deal to the person sitting on the other side of the computer, but for me, it has derailed everything. 

All I ask, is that someone from the Corporate Office, look into the matter and respond to me, immediately. Ask yourself, what would you do if your bank told you a hold on your account would last a couple days when in fact it ended up lasting two weeks? How would you feed your family? Gas for the car? Medicine? Rent or Mortgage? Insurance? What would you do in a situation like that? 

Heartbroken Customer,

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 2022-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2022, I contacted Bank Of America regarding a lost cashiers check which was listed by the Georgia Department of Revenue Lost Revenue Department. I spoke for over an hour with agent XXXX XXXX and gave him my dads social and address, in order to claim the check. He informed me it would take XXXX weeks for Bank of America to send over the information to the State of Georgia. To date, the state of Georgia has not received anything. I was given the phone number for XXXX XXXX of XXXX x XXXX but when I call, I am requested in input a XXXX digit extension number. Calling Bank of America, I have been unsuccessful in getting a resolution to this matter

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 2022-07-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
The payment started before they were suppose to they added charges and didnt add the correct amount I paid after the first repossession payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent dispute letter to Americollect to dispute the collection on my credit report.. I request proof of debt, the date of the alleged XXXX service, and proof of my singature and etc. Americollect did not respond to the letter by 30days to respond by. By not respond they should took thid item off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Complaint vs Navy Credit Federal Union I've been dealing with this Loan Company since last year. I received a denial letter. I have the funds, the credit score and they have the audacity to say that I have lots of delinquents accounts. My credit score is XXXX and I am sure they ran my credit score more than once. I am an XXXX woman and XXXX. 

This Credit Union has the same complaints that I have from other customers, and no one is doing nothing about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a credit card with Chase Bank ( JPMorgan Chase & Co ) known as the XXXX XXXX Card. In XXXX of XXXX I used this card to update my payment method for my XXXX subscription. At the time I made that change I received a notification within the XXXX app that there was a benefit for using this card for 1 free year of subscription for the XXXX offered by XXXX. 

I subsequently looked at the benefits of my card through Chase 's website, through the card benefits link for that card and verified that the benefit shows as " activated ''. 

Today XX/XX/XXXX I was reviewing my statements and realized I have been charged the {$9.00} subscription fee for each month since XXXX of XXXX ( inclusive ), currently 5 months of charges which were supposed to be free. Upon calling Chase to rectify the situation they informed me that a one year complimentary XXXX was not a benefit of the card. 

Additionally, Chase informed me that such benefit was a benefit of another credit card product which I just recently obtained. However, the activated benefit for the XXXX XXXX indicates that it is good through XX/XX/XXXX. This would be one year from the time it was activated. If Chase has ceased offering this benefit for the XXXX XXXX Card they need to honor those that already enrolled in it or at a minimum provide a notification that it was discontinuing. 

I am attaching screen shots showing the benefits of my card. I believe this constitutes a UDAAP violation to promote a product with benefits that don't actually exist or can't be obtained.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
Amsher Collection Services was placed on my credit report for a balance that was owed to XXXX in the amount of {$820.00}. This information is fraudulent and suspicious. I filed a dispute with XXXX on XX/XX/XXXX and XXXX contacted Amsher Collection Agency. Amsher could not verify that the amount belonged to me and that it was incorrectly reported on my credit file. This account has been removed from my credit report. However, I sent in two money orders before I found out that this account was removed from my credit file. I sent two money orders in the amount of {$820.00} to the XXXX XXXX XXXX XXXX XXXX who is working on my account on behalf of Amsher Collection. I am having issues with receiving my money back. XXXX XXXX keeps telling me that I need to contact XXXX for remittance of payment, but XXXX said that the account has been sold to Amsher and I need to refer to their office. Amsher keeps referring me to the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX refers me to XXXX. It has been difficult getting in touch with someone. I am concerned that this account appeared on my credit report and it was incorrect and didn't belong there. This seems fraudulent. I have filed a police report in regards to my account ( XXXX ) with XXXX and Amsher Collection Services . I went into the XXXX store and received assistance. I was told that the account has been canceled, but found out that there were five ( 5 ) lines added to my account prior to it being canceled. I did not authorize these phone lines and I am not sure how they were added. The associated phone numbers are as follows : XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX I have attached the Police Report. Also, I would like to receive the full amount that I sent via money orders. I would like a refund of {$820.00}. I haven't received anything in the mail from Amsher Collection regarding this credit/refund. I have filed a Police Report and have attached the report as well as the money order receipts to show the full amount that I sent to the XXXX XXXX XXXX XXXX XXXX ( Who is working on Amsher 's behalf ). I would like to receive my money back. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is reporting inaccurate and incomplete credit information. I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX XXXX XXXX - '' The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite the fact that I have submitted previous dispute to your agency. I urge your agency to reinvestigate this account and ensure that correct, fair and complete reporting is given. A charge-off account with a balance? Are you sure you know what you're doing? How come you keep on reporting inaccurate information on my credit file? I demand the immediate deletion of this inaccurate information. XXXX {$48.00}, XXXX XXXXXXXX XXXX {$530.00}, XXXX XXXX  {$1000.00}, XXXX XXXXXXXX XXXX {$480.00}, XXXX XXXX XXXX {$840.00}, XXXX {$0.00} - I see that these accounts have charge-off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re-investigate these accounts and ensure that correct, fair and complete reporting is given. I don't believe the status of these accounts are accurate either. Delete these accounts due to multiple violations, these delinquencies on my credit report should not be there. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that these accounts be removed from my credit report. I had requested that these accounts be verified and validated, I have not seen ANY PROOF from Equifax that this was ever done. I need all correspondence regarding the previous dispute including the data provided to make sure that this account is accurate. If your company is unable to do so, please remove these accounts from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc.
State: GA

Complaint narrative:
I have been put into collection by Southwest Recovery XXXX on XX/XX/2022 in the amount of XXXX for a piece of equipment a ( credit card terminal ) from a small bussiness that was sent back from a merchant represenitive from the credit card proccessing company called XXXX. The card proccesor was deliverd but they could not find in warehouse due to lack of employees. This during covid. This is not my fault that could not find it or someone else misplaced it. They have fraudently tried going into ky Business  bank account to try to withdraw money from me and my XXXX. These companies are crooks on small businesses. I have a perfect credit score and i dont need this on my report. Please help. Its on 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 2022-07-11 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: SC

Complaint narrative:
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 In accordance with fair credit reporting act XXXX XXXX XXXX  has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights to privacy.

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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I've contacted the consumer reporting agencies several times asking to verify this debt, but they have willingly failed to verify it in violation of 15 U.S.C. 1681h 611 ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
In XX/XX/XXXX I had sent a request to have the PMI removed from my loan. On XX/XX/XXXX, I received a PMI DENIAL LETTER stating No Major improvements done on the property. as the reason for being denied. I called XXXX and spoke with customer service. I was advised that receipts supporting major upgrades must be scanned and emailed to PHH. On XX/XX/XXXX, I emailed 3 pdf documents containing the receipts for a large driveway expansion that I had installed in XXXX of XXXX. The customer service rep that I spoke with advised me that I would receive a response in writing ( a letter ). I hadnt received any communication regarding the PMI from PHH, so I sent a follow-up email on XX/XX/XXXX. I have received two acknowledgement emails, stating my emails were received, but I have not received any other communications from PHH. As a software engineer, I understand that technology can fail, so I wrote a letter, and sent it certified U.S. Mail, to ensure that PHH is receiving my messages. I did not receive a communication advising they received my letter, nor have they responded to my request, at all. I only receive sicitations to refinnace, that I explicitly opted out of. 

My appraisal came back at {$630000.00}, according to the customer service representative I spoke with in paragraph 1. As of today, my loan balance is {$480000.00}, which puts me at % 76.4 Loan to Value. My Loan to Value is well below the 78 % threshold used for auto-termination purposes and has been since at least XX/XX/XXXX, the date of the first mortgage statement I received after the Denial Letter. In letters that I have received from PHH, advising me of the requirements to have my PMI removed early, I dont see any references requiring major improvements. I would have been happy to have included the receipts if I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i went to dealer told me they was only going to XXXX end getting a lot of inquires XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/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 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc.
State: AR

Complaint narrative:
SoFi locked my checking account stating that I " violated their terms of service. '' The only transactions that have taken place in that account are direct deposits from my workplace, a deposit of a check from a business, and other miscellaneous transactions such as transferring money to another checking account of which I am an account holder. 

SoFi and its representatives failed to state what portion of the terms of service they allege that I violated. None of my checks were rejected, frozen, or returned. All of my checks were successfully processed upon the first attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
US DEPT OF EDUCATION ACCOUNT # XXXX Is incorrectly reporting as a collection. 

XX/XX/XXXX I started a rehabilitation program with XXXX XXXX and completed the program XX/XX/XXXX. I was told that my account will show in good standing after completion of the program. It has now been 6 months and I have been denied from buying a home because of this issue which is wrong. Every month should show up as " XXXX XXXX '' since XXXX of XXXX. 

Not to mention, According to the CARES ACT and President Bidens extension of student loan payments, those who were in default are not obligated to pay until XXXX of XXXX. So why is this affecting my credit report?

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