vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson Capitol has been repeatedly calling, harassing, with phone calls, and with threatening actions to collect a debt. They have been told verbally and by certified mail to stop the harassing tactics and phone calls. They have repeatedly ignored the verbal and written requests to stop the phone calls. The last phone calls, where on XX/XX/2022, XX/XX/2022. I have a call log, date, time and length of each call. The callers name, was XXXX and wouldn't provide any other information. The supervisors name was XXXX and wouldn't supply anything further either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: DC

Complaint narrative:
I made a double payment to my mortgage this month, and the terms of mortgage indicate that additional payments to my mortgage should be applied to the principal. However, in looking at their website it appears that they treated it as an advance payment instead. There is no clear way to make individual payments to the principal outside of setting up autopay.

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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I started receiving amounts taken out of my debit card debit card for {$24.00} for services for TransUnion credit I've never subscribed to TransUnion I already have XXXX I wouldn't need them don't need them I think my ex-roommates might have set this up somehow I recently moved from there but I can't get any help with them taking this amount out of my account stop taking the money out of my account getting the money that they did take back and every time I call every time I talk to somebody they just sit there on the phone and nothing never comes of it nothing and I talk into the phone nobody talks back I've given him my social security card number my credit card number that was charged everything so many times and I can't get this resolved and I need to get it resolved please I want my money back that they took out of my account and I want nothing to do with them. I never did subscribe to them

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 2022-12-17 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: MI

Complaint narrative:
XXXX XXXX XXXX {$26000.00} XXXXXXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts was open fraudulently. Heres my police report to go with my ftc report to have theses accounts removed or blocked.

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 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have XXXX issues with the US bank XXXX  account that triggered me to submit this to CFPB and need assistance to get the resolution right. 

XXXX I have been repeatedly charged for a paper statement fee. Notably on the most recent statement, i was charged for the paper statement fee although I have changed to XXXX statement more than XXXX  days ago, and the us bank agent is able to confirm I changed the setting. I have received the refund after I called in, but this is a very bad practice that many other customer might have the similar situation and they might not aware they are being charged incorrectly. I won't have time to call US bank every month to get the fee waived, so I decided to cancel my XXXX  account with US bank due to the ongoing bad experience XXXX When I opened this account, I was given a promotional offer if I fulfilled the XXXX XXXX requirement, It has been XXXX  months since opening this account, I still don't get it. When I called in, the agent told me that they can not see an offer on my account. So I think I am being tricked when I open this account. this is another reason I cancelled my 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 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
About 30 years ago I opened a " no fees for life '' checking account with XXXX XXXX XXXX XXXX XXXX. Several years after that, Chase Bank ( now Morgan Chase ) bought checking accounts from XXXX XXXX XXXX XXXX XXXX. Although Chase attempted to institute fees, they reversed their position after learning that they bought the accounts with the conditions attached. Now, they not only notified me that they were changing my account so that they can institute fees, but would not address my complaint. I am now XXXX years old, my balances are less than they had been, and regardless of my complaints, Chase is now charging me XXXX XXXX month. They have told me that unless I meet certain conditions, they will keep on charging me. After several attempts they refuse to address my contention that my " no fees for life '' account means " no fees for life ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have provided an opt out notice to all three credit reporting agencies Equifax, XXXX, and XXXX and the information is still being reported. per 15 USC 6802 I have the right to opt out of anything being reported. This is also a violation of my privacy per the privacy act of 1974. These companies stated they would not share my information with any third-party affiliates, and they have. which in itself is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
We purchased a truck in XX/XX/2022 from XXXX XXXX XXXX in XXXX MD. Santander financed the loan. In the process of the financing paperwork, it was a very rushed process as the business closed hours prior to our financing process. The XXXX  XXXX at XXXX failed to go over the contract in its entirety and only told us the first payment would be due in XXXX days and the finance company would contact us. In addition, there was an incorrect address on our paperwork which means we failed to receive any statements by mail. I created a customer portal account in order to get notifications regarding the account, which I checked multiple times in the course of the XXXX  days. There was no information in the portal. When I checked in XXXX, I saw the information and saw the account was delinquent. I immediately paid the XXXX and XXXX payment. However, it was already reported as XXXX  days late. When Santander was contacted, they advised me that the 30 day late payment could not be reversed as they attempted to contact my husband ( the borrower ) but at no point did they contact me ( the co buyer ). We received nothing by mail nor did I receive any statement by email or otherwise. They admittedly reported that they had returned mail from us. I don't feel as though my credit should suffer due to mistakes of others and I am asking that this XXXX day late payment be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: NY

Complaint narrative:
i XXXX XXXX, am disputing on my own with the help of no one. i have attached my ftc report and disputed please see attached evidence. 

It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.

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 2022-12-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
After receiving a CHIME XXXX XXXX XXXX  for referring two customers to join CHIME, I contacted XXXX XXXX XXXX to report that I do not have CHIME banking and did not refer anyone. A representative who called herself XXXX, wanted my social last 4 digits and DOB. I refused and asked for supervisor and was told there was no one and that Chime Financial was an online technical bank service with no address or Country of origin. So in order to report fraud I had to supply her my info and without it she could not help me. After talking with her at XXXX XXXXXXXX XXXX XXXX on XX/XX/2022, I receive an email " Welcome to Chime, Create a password on Chime link. This is not the first incident of reported identity theft. I have never requested anything from Chime, referred any person, nor opened any account with this institution, nor their " Chat '' room. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX account reporting on credit report. XXXX charged off account and did not provide a cancellation of debt and is reporting the account past due which violates the 15 usc 1681 eb fair reporting act. 

Account balance {$2100.00}

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 explanation
Consumer complaint received 2022-12-17 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: AL

Complaint narrative:
I have contacted Equifax multiple times about XXXX XXXX  XXXX XXXX. This is inquiry is on my credit report XXXX times and I have enclosed an identity theft report with this fraudulent inquiry on there and they still have not removed these inquires. This are the ones in question. XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Again, I am enclosing the Identity report once again. 

This was Equifax response. Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXX XXXX XXXXXXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXX XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES Inquiry : XXXX XXXXXXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX. 

They said that these inquiries were removed but they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: NY

Complaint narrative:
i XXXX XXXX, am disputing on my own with the help of no one. i have attached my ftc report and disputed please see attached evidence. 

It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank Of America Heloc Application On XX/XX/2022 we began a heloc application for {$320.00}, XXXX. We were told that the process could take as long as 12 to 14 weeks. 

Subsequently, we agreed to reduce the amount to XXXX to be within the underwriting guidelines of 70 % loan to value. 

The underwriting process was dilatory, time consuming, clumsy with repeated requests for redundant materials. Some of the delays were inexplicable. The process went on so long that credit reports had to be run again The best that was offered from XXXX XXXX, our contact, was on the order of Underwriting has changed their system. What that meant neither he nor we knew. 

We provided whatever was asked in an extremely timely fashion. The process consumed an inordinate amount of our time and attention. This already was a form of abusive lending practice On XX/XX/2022 in conversation with XXXX XXXX it came out that the loan amount had been reduced to {$150.00}, XXXX. This was a stunner after 23+ weeks. 

We had no prior indication of this either verbally or in writing. We had and have no idea at what point it happened. 

XXXX XXXX did not know how or why it had happened. He said he would do some research. 

He came back with underwriting did it. He then appeared to say that underwriting did it because it classified the house as not being owner occupied. 

XXXX XXXX was occupied by co-owner throughout as it still is at this writing on XX/XX/2022. 

Bank Of America Heloc has broken trust and wasted an enormous amount of our time and energy in dilatory processes utterly without transparency. 

Contingent on securing a Heloc loan of {$250000.00} we had signed a contract for an extensive renovation of the XXXX XXXX property. We are now not able to go forward with that project. 

We have suffered a variety of harms, nor do we believe that this is likely to be an isolated ca

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 2022-12-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right 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 instructions

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 2022-12-17 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: NY

Complaint narrative:
i XXXX XXXX am disputing on my own with the help of no one. i have attached my ftc report and disputed please see attached evidence. It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 instructions

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 2022-12-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: MI

Complaint narrative:
I'm sending this letter in attempt to REMOVE some erroneous and incorrect items from my credit report, before I seek remedy. First of all, I would like to mention Public Policy HJR of 1933 a.k.a Public Law 73-10 which suspended the GOLD Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND these be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give TRANUNION, XXXX, and XXXX, written consent to furnish this information, that would indeed be identity theft.Pursuant to 15 U.S.C. 1692k any debt collector that fails to comply with any provision of this sub chapter with respect to ANY person is liable to DAMAGES. that I am I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
This company sent my husband XXXX XXXX a notice late XXXX or early XXXX stating we owed XXXX XXXX XXXX XXXX. I then disputed it with them telling them the dental office should bear this debt due their lack of communication in letting him know this would not be covered by the insurance like they had in previous months. It was their responsibility to contact the insurance ( as they had previously ) to inform their patient what would be covered. I wrote Radius Global Solutions and in turn they sent back a message with NO DUE DATE to provide proof. But no explanation of the type of proof needed. Their letter did not address what I stated as the issue but gave no real direction. Next thing we know without warning, they put a collection notice on XXXX 's credit report and ruined his credit by XXXX points. It is not fair or just how they did their business.

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