vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I would like to report on my recent experience with refinancing my loan with the help of XXXX XXXX ( XXXX ID : XXXX ). It has caused me enormous agony, wasted a lot of my time, appraisal costs and opportunity to gain from refinancing earlier. 
I started my refinance sometime in XX/XX/2021 and submitted a competing offer to match. While I was promised that the offer will be matched in terms of " estimated cash to close '', I was not provided any loan disclosure- always being told that it will happen at closing. Bofa being a big trusted bank, I choose to believe that. However in XXXX after many calls doing follow up, I finally got a closing disclosure. It was not what I promised. Beyond that, the office dishonestly tried to sell that it was a better offer because the " cash to close '' was lower. When I pointed that out that they were two different things, I was given inconsistent reasoning such as XXXX. The competing offer hadnt gone through underwriting which is not a requirement anywhere. Even if it is at Bofa, it was not mentioned. In a subsequent mail, the lender agreed that it was fair offer XXXX. The next reason was that it was below price and this is best Bofa can do. 

At this point, while I was ok with the time and effort I had invested, being mislead was beyond what I could accept. I canceled the application. And since then with a new company within two weeks I have closing disclosure that matches the original terms I had requested.

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 2022-01-05 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX {$3700.00}

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 2022-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: OH

Complaint narrative:
This is a complaint on XXXX XXXX XXXX  to consumers, which is very confusing. details are as follows. 
I had undergone a XXXX XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX, XXXX, OH. 
I have paid the full amount that was estimated at the time of Surgery, for the total Surgery costs. 
Later, I am keep on getting Bills from many 3rd parties, like XXXX XXXX, XXXX departments. Every time I receive such billing letters, I visit XXXX XXXX - XXXX online Patient portal, which is the only portal available for patients, and recheck if I really Owe any amount, if yes, I pay it online, just to avoid Fraud and to avoid exposing my credit card information to fraud websites, As it is common in USA for data leak and we keep getting fraud letters. 

Later after 6 months, suddenly I see a debt collection reported to XXXX, from XXXX XXXX, and it says original payment originator is XXXX XXXX, but I dont see this amount in online portal of XXXX XXXX. 

then again on today XX/XX/XXXX, I received another debt collector letter from company, Frost-Arnett with a due amount of {$100.00}. To make sure, I called XXXX XXXX customer care again, and they could not see this amount due anywhere. 

Conclusion is, How do I Identify the bills I am receiving are not fraud, if XXXX XXXX is not disclosing the list of 3rd parties involved in the surgery, anywhere, neither online nor on any billing summary. 

So, if XXXX XXXX informs me about all 3rd parties/ laboratories participated during XXXX, then I would confidently go ahead and pay the bills as soon as I received. 

Hence, if there are any outstanding debt remaining from my side, that is purely not my mistake, and it is a purely a bad reporting of billing from the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: PA

Complaint narrative:
I spoke with XXXX 


XX/XX/XXXX payment XXXX XXXX XX/XX/XXXX {$9.00} Unauthorized charges credited. {$9.00} late fee charged bringing the account to {$20.00}. 

XXXX credit- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$9.00} XXXX Charged me a late fee on unauthorized charges that were credited back to me. In addition, I was reported late to the credit bureau, the unauthorized charge of {$9.00} caused the account to have a balance. After the credits were reimbursed as unauthorized, the late fee still remained on the account causing it to show as late. Had the unauthorized charge never been charged to this account no late fee would have applied. The {$50.00} was a membership fee charged XXXX, that was due in XXXX. Payment made XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I spoke with XXXX. 


XX/XX/XXXX payment XXXX XXXX XX/XX/XXXX {$9.00} Unauthorized charges credited. {$9.00} late fee charged bringing the account to {$20.00}. 

3 credit- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$9.00} XXXX Charged me a late fee on unauthorized charges that were credited back to me. In addition, I was reported late to the credit bureau, the unauthorized charge of {$9.00} caused the account to have a balance. After the credits were reimbursed as unauthorized, the late fee still remained on the account causing it to show as late. Had the unauthorized charge never been charged to this account no late fee would have applied. The {$50.00} was a membership fee charged XXXX, that was due in XXXX. Payment made 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 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
Flag Star Took over a non funded in good standing account and then ran up " maintenance fees '' to over {$100.00} in a predatory manor that not only was done with out my knowledge and are working in affilation with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI 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 2022-01-05 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: MD

Complaint narrative:
In XX/XX/2021, I saw that those items were being reported and sent out a formal affidavit to all bureaus to have these fraudulent items removed. As of XX/XX/2021, I notified XXXX XXXX, TRANSUNION, XXXX, and XXXX of unlawful and unauthorized reporting of unknown inquires and chapter XXXX bankruptcy being reported on my credit reports with all aforementioned bureaus. I have provided proof 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 non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Direct Recovery Services, LLC
State: NY

Complaint narrative:
I received a call from a XXXX from a place called XXXX XXXX services for an old XXXX account that's past XXXX collection effort law. I explained I lost my job in XXXX and he told me he would notate my account. today I get a call from a person who claimed he stated his name, and when I asked again he refused to tell me and played hang up on me as he stated something to the effect you already spoke to XXXX we will forward this for further action... I demanded answers and he hung up on me again third time i called he lied said he didn't then put me on hold for someone named XXXX who also played that keep asking my name question as I already told them yes and wanted to play more games then I get a tarin on the phone who states she has no record of the previous person I spoke to!!!!! lies and against the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: WI

Complaint narrative:
This is not my debt, debt company has not provided proof of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The loan is for a remodeled kitchen. The loan was entered into on XXXX, with first payment due XX/XX/21. The amount was $ XXXX with 7.6 % interest. 

It was communicated to us that the loan can cover any physical goods ( i.e. Kitchen Cabinets, appliances, etc ), and the work or the labor for the remodel. 

Cabinets were ordered immediately. They were approximately $ XXXX The cabinets first arrived in late XXXX, but a few were damaged. The replacement ones came in early XXXX. 

The first day of labor was early XXXX. 

During this time I have been charged interest on the $ XXXX. Even though from XXXX to early XXXX, no labor was performed. I expected to be charged interest on the $ XXXX for the cabinets but not the $ XXXX as no work had started. 

As we went through XXXX and as recently as yesterday, work is promised then cancelled ( usually without any courtesy cancellation call/text/email ). 

Delay after delay. No urgency. All the while I'm charged appx {$300.00} a month in interest, or {$2100.00} through XXXX. I feel I should only have been charged $ XXXX 7.6 % /12*6 = {$570.00} for the purchase of the cabinets. 

Thank you, 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 2022-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Recovery Service Incorporated
State: OH

Complaint narrative:
On XXXX separate occasions in XX/XX/2021, American Recovery Service made hard inquiries on my XXXX credit file. 

According to federal law ( Fair Credit Reporting Act 15 USC 1681b ), it is unlawful for an entity to view a consumer 's credit report with a permissible purpose. 

On XX/XX/2021, I mailed written correspondence asking for that purpose, but never received a direct response. I did not apply for employment, nor did I apply for credit with American Recovery Service. 

These unauthorized hard credit inquiries constitute XXXX FCRA violations of willful noncompliance, and XXXX FCRA violations of negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I need to dispute XXXX charges on my account made with my debit card because the seller never sent the items, I tried to contact the bank to the number provided XXXX in XXXX different days at different times waiting more than one hour and a half each call and nobody answered, also I requested trough the chat a fax number or email to send the dispute but they denied that information. 
Need to dispute this charges : XXXX DEBIT CARD PURCHASE AT XXXX {$47000.00} ( WAS A TABLET ) XXXX DEBIT CARD PURCHASE AT XXXX {$53000.00} ( WAS A TABLET ) XXXX DEBIT CARD PURCHASE AT XXXX {$53000.00} ( WAS A TABLET ) XXXX DEBIT CARD PURCHASE AT XXXX {$64000.00} ( WAS A SMARTPHONE ) XXXX DEBIT CARD PURCHASE AT XXXX {$64000.00} ( WAS A SMARTPHONE ) All those purchases must be delivered before XXXX and didnt arrived, I tried to contact the merchant many times but they never respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
to add more info in my favor i just got an email off of mr coopers website that states i was currebt on XX/XX/XXXX XXXX //Thanks for your recent payment. We posted it to your account on XX/XX/2019 for the property at XXXX XXXX XXXX XXXX their is no way the numbers they havr listed could be right the first day they could of listed for 30 days jate would have been XX/XX/2019 and other numbers follow suit thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: IL

Complaint narrative:
My name is XXXX XXXX.I am submitting this complaint without any influence from any third party or agency. There are inquiries on my consumer reports that were not authorized and do not have any accounts on my reports.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I have several credit accounts with Synchrony Bank. I filed a dispute about a transaction in XXXX of 2021. When I tried to access my account, I was given the run-around. I tried several times to access my account using the website. 

I was placed on hold for more than 20 mins, no one came back to check. I was also sent a text, after providing the last 4 digits of my social security number. The representative also stated that the number on file which works could not be used even after she sent me the 5 digit code. 

What I do not understand is that in the age of technology, why are customers being subjected to these ridiculous methods of verification. If a customer has an online account then that method should be used, which includes the use of email attached to said 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 monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint against my wisely ( XXXX ) debit card inst. ( acc. no. # XXXX ) and Navy Federal Credit Union XXXX acc. no. # XXXX ). On or aboutXX/XX/2021, I instructed my XXXX debit card inst. to transfer XXXX off my XXXX debit card into my " new '' savings account with XXXX XXXX. Upon waiting minutes for this transaction to go through, I continued ued calling both parties to see if the transaction had been completed. After calling Wisely a few times, they finally asked me to check my account number with XXXX XXXX. Upon checking my online app. I saw I failed, as a new member, to push " more '' to get my complete " savings " account number. I gave wisely the first number visible on my " checking '' account number and added my last 4 numbers visible off my " savings '' account. I immediately called Wisely back and told them I gave them the wrong account number at which time wisely informed me, " if I gave the wrong account number the money would automatically go back into my Wisely account. '' I then immediately called my XXXX XXXX account holder and told them of the error and I was told my XXXX went into another XXXX XXXX members account and there was nothing they could do. I filed a complaint with the dispute dept. for wisely and they concluded no error on them because I gave the wrong account number. I told them yes I did but, I instructed them to transfer XXXX into " my '' XXXX XXXX account, not XXXX XXXX! I have lost XXXX dollars and neither account holder wants to take responsibility. XXXX XXXX should have immediately asked did I give wisely the right account number because, after I waited the five days as wisely instructed me to do, XXXX XXXX told me they could have done something about it if I told them sooner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX my husband and I signed a joint loan contract with Capital One at one of their approved auto dealers. A month later we had not been provided with additional information from Capital One in regards to our account number or how to make payments. We had however received our XXXX issued title with Capital One listed as the lienholder. I contacted Capital One on XX/XX/XXXX to obtain this information and was told that the contract had not been received and we would need to speak with the dealer. My husband spoke with the dealer the same day and was provided with documentation showing that Capital One did receive this documentation on XX/XX/XXXX. On XX/XX/XXXX I contacted Capital One again to try and resolve this situation and was told that the documents that were signed on XX/XX/XXXX had expired and we would need to return to the dealer to sign new documentation and our credit would be pulled a second time. The next day my husband and I received notifications from XXXX XXXX that their had been a new inquiry on our credit from Capital One. I contacted Capital One again today and was advised by a supervisor that the contract had expired, but the credit application had not which is why credit was pulled a second time. This contradicted what I had been told on XXXX as the representative on that call had stated that new documents would need to be signed before credit would be pulled again. Additionally Capital One stated that as the second credit inquiry had caused mine and my husband 's credit scores to drop they could not guarantee that the new loan would have the same terms as what was outlined in the initial contract signed on XX/XX/XXXX or that the second application would be approved. As a result of this error that was not caused by me or my husband Capital One will now be offering credit at less favorable terms than the original signed loan contract, or decline this second application all together.

Company response to consumer: Closed with explanation