vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 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: TN

Complaint narrative:
There were several federal laws Equifax, XXXX, and XXXX  violate. Violation of Privacy and inaccurate and unfair reporting. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting this information. 

According to law, 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 3 ) Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 

( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; Which main the transaction should not be report or include on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/2021, I found out America First Credit Union was planning to roll out their 'Premium Checking ' feature. Their plan of execution is what I have an issue with. They are automatically enrolling every member 's account, with only an email or a mail notice that looks like junk mail. 

Their explanation of the benefits isn't clear. For example, one part states that, and I'm paraphrasing, {$1500.00} is required to remain on deposit with a couple of other stipulations, and the small fee will be waived. Shortly thereafter, it says that there is a no fee low balance checking, but clearly states that if our balance falls below {$1500.00}, we will be assessed a $ XXXX monthly fee. 

They are offering a basic checking account for free, but we have to notify them that we choose that option. Hold times for the call center is over 30 minutes. It's now been two days since I sent an email to say I want basic checking, and I haven't received confirmation they've received it. We're located in Utah, which has some of the highest rates of Covid-19 in the country, so yes. I could go to a branch, but was it wise of them to roll this out now during the pandemic? I have even taken to social media to ask the questions I have but haven't gotten a response. I'm sure their employees are overwhelmed. 

I fully recognize that a $ XXXX  monthly fee is a small amount. The main issue I have is that this is coming from a credit union, where members are supposed to be able to vote and have a say in the things that happens, but this blindsided everyone I know. Also, I hate the fact that they are enrolling every checking account and expecting people to opt out if they so choose. Rather, this should be an opt in option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: PA

Complaint narrative:
I was denied a mortgage loan from Bank of America for a property in XXXX XXXX, NJ on XX/XX/2021. I haven't received written confirmation yet, but the verbal reasoning is due to my employment history and employment gaps. The loan officer sounded very condescending when she told me that I was denied. It doesn't make sense to me to be denied for that reason alone as my employment history was stated on Day 1 and I was pre-qualified for the loan. To make matters worse, I was denied after having an appraisal done on the property so I was fairly far into the process with a refund unlikely for the {$570.00} I was charged for the appraisal. 

I believe that I am being discriminated against because I disclosed my race as XXXX on Section X of the XXXX loan application. I would greatly appreciate it if this could be looked into to ensure that Bank of America didn't discriminate against me by showing that they also denied mortgage loans to people of other races, particularly XXXX people, with similar credit, income or debt-to-income ratio, savings, educational, and employment backgrounds as me. 

Quick summary of my background : I have excellent credit, my credit score is over XXXX. My 2 employment gaps greater than 30 days were related to school. I have a XXXX XXXX XXXX and currently in XXXX XXXX seeking a XXXX. I work full time as a mortgage loan advisor where I earn over {$45000.00} annually. I have savings of {$30000.00}. The house I was looking to purchase cost {$180000.00}.

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 monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
XXXX XXXX debt collector has said i owe a debt of {$1000.00} with interest to citibank credit card. i filed fraud charge of identity theft to XXXX card was trying to charge me for a fraud charges of amount of {$1000.00} back in XXXX and XXXX and XXXX. i reporetd this as fraud charged to me when i did not charge nothing for {$1000.00}. someone stole my identity and charged {$1000.00}. i want this {$1000.00} with ciitbank and XXXX XXXX removed immediately as they are destroying my credit when i have excellent credit before this happened. im not paying for someone else fraud identtiy theft items that XXXX XXXX charged me for. called them many times to dispute this fraud charge of {$1000.00} and selveral times said fraud dept would take care of it a manager in fraud dept but looks like they never got it credited back to the card so i still wont be ruining my credit. i want this fixed asap.

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 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
This account was opened by the gas company for an apartment I never moved it due to the leasing office requiring the services be set to begin. I was in the hospital unexpectedly and told them I would not be moving into the apartment when they called to set up start date. The original company claimed there is no note of me saying that and that I moved the date. Completely incorrect. The company has sold the debt for utilities I never used. Leasing company for apartments refuse to take responsibility and utility company is deeming me responsible. I do not agree.

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 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There were several federal laws XXXX, Transunion, and XXXX  violate. Violation of Privacy and inaccurate and unfair reporting. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting this information.

According to law, 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 3 ) Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 

( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; Which main the transaction should not be report or include on 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 explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have previously sent LVNV Funding and affiliates a request to validate this debt, for the following account number XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX via certified mail. Under the Fair Debt Collections Practices Act ( FDPCA ), I have the right to request validation of the debt that you say I owe you per the FDPCA. I have given LVNV Funding 30 days to remedy this situation, which is not only a reasonable period but is also the maximum time request limit as indicated by the FDPCA/FRCA. I have received no reply from LVNV Funding, although I did receive signed confirmation via certified mail from the United States Postal Service that my validation letters were received on XX/XX/XXXX and XX/XX/XXXX, however attempts to collect said debt are still being made by LVNV Funding without properly validating debt. 

Since LVNV Funding is still reporting this account on my credit profile, LVNV Funding is now in violation of the FDPCA and are subject to fines of {$1000.00}, which I may collect from LVNV Funding by filing a claim in small claims court. I intend to follow through with said suit if I do not hear back from LVNV Funding within 10 days. LVNV Funding should also be aware that reporting such invalidated information to the major credit reporting bureaus may constitute as defamation of character, as the negative remarks on my credit profile prevent me from benefits associated with a good profile. I am sure that legal staff will agree that non-compliance with this request could present LVNV Funding with legal inconvenience with the FTC and other state and federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one reversed a fraudulent charge on my account. Putting my account in the negative after providing sufficient data that the charge was not authorized and the terms were not agreed upon. XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Admittedly the last few months with XXXX my payment was late several days, when I would contact them before the due date, day of or after the agents said there was nothing they could do, " give it a few days and call back '' when I was closer to the date the payment could be made. The harassing phone calls 5-8 times a day would begin the day following the due date and continue until the payment processed. Those calls continued even after I paid off the loan XX/XX/XXXX. The company had yet to update the credit bureaus and has further damaged my credit by remaining open with unpaid balances, and because of this I was denied a loan that would have allowed me to pay off my credit cards and move in to an apartment, specifically because I already showed two open auto loans. Although I am eager to get my report updated, I'm filing this complaint because they refuse to tell me when they send updates to credit bureaus or even who I can contact within their company for that information. I emailed the company XX/XX/XXXX and did not receive a response. Tonight, XX/XX/XXXX I called " customer service '' and at first was told to " give it a few days '', when I said that was not acceptable and wanted to know how often or when it would be updated, the agent hung up on me. I called back, spoke to another agent, he said they send updates monthly but he has no idea when. I replied that it has been almost two months and asked who did have that information, he hung up on me. Both times they had the nerve to send me to a survey to rate their service. I just want to be rid of this company.

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 2021-01-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: WI

Complaint narrative:
On XX/XX/2021, I was issued 2 child support payments. One for {$42.00} and one for {$100.00}. On XX/XX/2021 at XXXX XXXX I called the toll-free number on the back of my card to verify my balance. At that time my balance was {$160.00}. On XX/XX/2021, I attempted to log into my online account and got the notification that my account was closed due to fraud. At XXXX XXXX, I made an effort to call the toll-free number on the back of the card and was told to stay on the line for an important message regarding my account. During my first attempt to contact them I was on hold for 53 minutes before being disconnected. I tried to call them back a second time and finally spoke to somebody who knew absolutely nothing and told me she would transfer me to the fraud department. After sitting on hold an additional 47 minutes, I hung up. I then called back a third time and did not follow any of the prompts and just waited for a customer service representative to answer. Again, I was told I would be transferred to the fraud department. I asked the customer service representative for a direct line to the fraud department and she told me that number did not exist. I waited on hold for approximately 45 minutes before hanging up. After doing some research online I found the direct line to the fraud department and called that number. However, to my dismay, once again after sitting on hold, my call disconnected before speaking to anyone. Now, I have a card, that to my knowledge, has {$160.00} on it that I do not have access to. They will not even let me report it stolen or request a new card without speaking to somebody and I have been unsuccessful in reaching anybody that can help me at this company. I am unable to access my account online or via phone to find out any information, including recent transactions our current balance. They canceled my card without even contacting me and now I am completely in the dark about whats going on. Hi

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GRIFFIN FUNDING, INC.
State: TX

Complaint narrative:
Multiple missed deadlines. Claimed to be able to close the loan on several dates and all deadlines were missed. Communication was non existent between the lender and all related parties. Lender lied about when things were performed. Items that were supposedly ordered were never ordered. Calls to the lender went un-returned. XXXX XXXX the sr. Loan officer explicitly lied to seller, buyer and real estate agent. Conditions of the loan were changed from the initial conversation. Contention of conditions that could not be met went unacknowledged and were not addressed until the contract expired. The contract expired multiple times due to XXXX XXXX not working on the loan. Items that were needed for the loan were submitted multiple times due to the blatant neglect and disorganized nature of their business. The CEO was completely condescending and rude and failed to return calls and the loan was denied without merit after the contract had expired giving me no time to exercise clauses that would let me exit the loan without losing my earnest money. Had the conditions been addressed in a timely manner, I would have been able to exit the contract without penalty. I am now out XXXX $ due to the failure to perform on XXXX XXXX part.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I own property in Florida that Bank of America is the lender on. This property is subject to an insurance requirement and I did have insurance on the property until I filed a demolition permit and had all of the structures demolished in XXXX. I canceled the property insurance because you insurance buildings, not dirt. 

I started to receive letters from BofA about the insurance and I informed them, through the XXXX number in XXXX XXXX, that I removed these structures and the property is, therefore, not subject to insurance. They promised to review the account with the documentation I provided, the demolition permit with address and parcel information for the property in XXXX County, FL. 

More letters arrived and I have called them a total of 8 separate times, each with a 30 minute hold time, only to have the same discussion with the same promise. What is alarming is that despite emailing them the information and uploading to their " XXXX '' website, the documents never seem to make it to my account. 

The last letter, which I diligently followed up with by phone yesterday on, threatened to buy insurance on my behalf and charge me for it. I really don't believe that BofA has any intention of recognizing the facts on the ground, supported by government-issued documentation, that no buildings exist on this property. The agent advised me that it is necessary for me to get a letter from FEMA that the property is no longer subject to insurance requirements. I did contact FEMA, this is their response. 

" NFIP Flood insurance is only available for buildings, not for empty land. The lender should understand that part of their requirement. If not, please share the policy with them - https : //www.fema.gov/sites/default/files/2020-05/fim_appendix-a-policy_apr2020.pdf, " I need help. BofA is a massive bank and they clearly have a customer support organization that is structured to stall and frustrate customers.

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 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
I have a charge from XXXX on my credit report and Ive never applied for a XXXX credit card or used a XXXX credit card! This card was apparently opened in XX/XX/2018 and is somehow attached to my credit report! Ive disputed this account through the XX/XX/XXXX as well as through the company itself, to no avail! This is affecting my credit score and hindering my attempts to improve my credit score! I have no idea what to do next?!?! Please advise!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Theres a negative items on my credit report that doesnt belong to me from XXXX XXXX its over 7 years its there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Theres a negative items on my credit report that doesnt belong to me from XXXX XXXX its over 7 years its there

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 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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