vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: NY

Complaint narrative:
Lien Release requested by XXXX and XXXX XXXX from XXXX XXXX XXXXKeyBank We had previous Mortgages with XXXX XXXXXXXX XXXX XXXX that were paid in full due to a Consolidation, Extension and Modification Agreement. We currently hold XXXX Mortgage with XXXX XXXX that was assigned to them by XXXX XXXX in XXXX. However, the previous liens were never released with the XXXX County Clerks Office ( Document Enclosed ). I have spent 6 months from XXXX of XXXX to present contacting weekly, speaking with many associates at KeyBank. No one could assist me. I was finally assigned to a case worker on XX/XX/XXXX in the XXXX Offices of KeyBank. Her name is XXXX. Phone Number XXXX, XXXX # XXXX. After she investigated my case, she called me last week XX/XX/XXXX and informed me that they are not responsible and that my current mortgage holder XXXX XXXX is responsible. This is not true. 
I did contact XXXX XXXX and they do not have the authorization to release liens not in their name. I have no where else to turn and need someone to fix this mess that I did not cause. We have since lost our Home Equity Loan that we applied for and even if I wanted to sell my home I could not. This is unfair and there must be someone who can help us. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: OR

Complaint narrative:
XX/XX/2020 had a credit card through XXXX XXXX XXXX. It was sent to collections within a short time. I didn't receive invoices or anything stating I was behind. It was sent to a debt buyer XXXX XXXX in which was end of 2020 year. I called this office that was in XXXX and the man was very rude would negotiate or give much detail. I received a legal letter from a XXXX XXXX XXXX from Utah same person and couldn't get ahold of anyone. No calls back, on hold. Emailed very lengthy email last Friday XX/XX/XXXX saying I received a XXXX page only of a court docket that I'm being sued or garnished and/or lien on my property. I never even got a notice or served! I found this out by another bankruptcy lawyer sending me a pamphlet trying to get business to rep me for this! I would of had NO clue. I keep calling the office and no one answers. There are a few numbers and no calls returned. I looked him up and it looks like this is something he does! I have to money to pay and pay my bills so this is disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: NC

Complaint narrative:
XX/XX/2022 I mailed Equifax a letter stating what PERSONAL INFORMATION needed to be corrected. That information was : My Name Address Phone Number. 

XX/XX/2022 Equifax received the letter outlining the information that needed to be corrected ( letter sent certified with tracking ). Information is still incorrect. Address is incorrect. This is my third request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: FL

Complaint narrative:
Reflecting my other ongoing complaint about feeling personally targeted by Experian. I really feel some reps purposely target some people to worsen their credit while getting a kick out of it. So recently I paid off my personal unsecured loan with XXXX XXXX XXXX account ( XXXX  ), I uploaded the paid in full letter on Experian and on XX/XX/XXXX I called the dispute department to request a dispute on the account to reflect a XXXX balance. The rep I spoke to was very helpful, she disputed the account and submitted the request for further internal review. Results came back within hours, the balance was updated to XXXX and paid in full, but when I look at the account ledger I noticed THEY REMOVE ALL THE MONTHLY PAYMENT HISTORY FOR THE ACCOUNT!!! WHY??? And of course this immediately resulted to another SCORE DROP. Let me also point this is not the first time I've experience this with Experian. It happened before on an auto loan I had where they completely removed the original balance of the loan after the dispute. What is this foolery? Why were the payment history removed from my account after the internal dispute.

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 2022-07-25 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an account without my written instruction.

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 2022-07-25 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: LD Holdings Group, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I called Loan Depot to ask about loan questions. I was asked my name, address, ss # and telephone number. I was then asked did I want a 30 year loan. I then asked if you ( Loan Depot ) did commercial loans. I was told no. Loan Depot received a credit report from XXXX without my authorization. 

I called Loan Depot on Thursday XX/XX/XXXX, and asked as to why you ( Loan Depot ) ran my credit report. I talked to a female that read the file that was established with my name on it and she repeated the information that is the above mentioned. I was then told that since a file was opened with the stated information that a deletion letter could not be issued. I then asked for a copy of the recorded conversation of XX/XX/XXXX. I was told that the recording could not be found. I then asked why would a credit report be warranted if you ( Loan Depot ) didn't do commercial loans. I received no response. 

On the same day XXXX ran my credit report from XXXX. I have never spoken to XXXX before XXXX. I tried to talk to their serving department, however all I was able to do was to interface with XXXX XXXX auto attendant and received no option to talk to a live person in their servicing department. As far as XXXX goes I could not even request a deletion letter for the hard inquiry. As a result of the XXXX hard inquiries on the same day that were unauthorized my credit score dropped more that XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
I took this furniture lease through XXXX XXXX. They offered a XXXX day pay off option. I set the payment to debit at the due date and waited for the remainder of the payoff after already paying off more than half. 
They did not try to collect the funds per XXXX XXXX XXXX XXXX and my statement that was on the attached. 
I submitted them this documentation and they are saying they attempted and the bank returned the payment. 
My bank told me that every attempt would at least show on my statement and they are not telling me the truth. 
They will not honor the XXXX day purchase option and are trying to collect over {$1200.00} more from me now. 
They are trying to scam me and overcharge. It is hard being poor and these people pray on XXXX folks who are struggling and trying so hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: MD

Complaint narrative:
Since XX/XX/XXXX, I've gotten calls from phone number XXXX once a day, every weekday morning from about XXXX to XXXX am. Caller ID displays XXXX XXXX '. I rarely pick up the phone and no message is ever left. On the rare occasions I've picked up the phone without saying anything myself, there is nothing but dead air on the line. 

Based on the pattern of these calls, I strongly suspect that the calls are coming from a debt collection agency. When I XXXX  the number, many complaints mention Jefferson Capital Systems, a debt collection agency. However, all of the complaints against the company are more than 2 years old.

I have absolutely no unpaid debts of any sort. My mortgage is paid off, credit card balances, utilities, insurance payments etc, are all automatically debited in full each month from my bank checking account. In addition, my credit scores from various sources are consistently above 800, with a completely clean credit record.

Since I have no debt problem, I have no intention of personally interacting with the source of these calls. I just want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I used XXXX XXXX XXXX XXXX to send XXXX USD to a Korean bank on XX/XX/XXXX. XXXX used Bank of America to send money to XXXX, however over a few weeks, Bank of America didn't even update anything and had been holding the money without any updates. And finally, after a few requests, they said the recipient 's name is matched with XXXX of the names on the sanction list so it is in compliance. XXXX and I provided more information regarding the recipient, however over XXXX weeks, Bank of America hasn't even done anything, and we finally requested for retracting the wire a week ago, and still no answer. 
It is very frustrating since I am dealing with time-sensitive issues, and I can not even get updates on what is going on. XXXX XXXX XXXX and I did everything we could do and now the fact that just retracting the money is taking a few weeks is egregious. This has been really impacting my family 's major life events. 
Bank Of America should know better about its responsibilities as a financial institution and acknowledge its actions really impacting people 's daily life.

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 2022-07-25 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: GA

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

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: OR

Complaint narrative:
XXXX XXXX mistakenly refunded {$1000.00} to my closed US Bank credit card ending in XXXX on XX/XX/XXXX XXXX This was a partial refund for our year insurance premium, the original bill was paid with my Wife 's XXXX XXXX XXXX returned the XXXX to the wrong card on file ( US Bank card XXXX ).. I contacted Us Bank on XX/XX/XXXX in regards to this issue, they stated they had kicked back the {$1000.00} to XXXX the same day on XX/XX/XXXX XXXX. Us Bank would not supply me with proof in writing that they had refunded the money directly to XXXX I continued to call US for written proof for almost two weeks since XXXX has no record of refund.. Finally on XX/XX/2022 Us Bank say they have had the funds all along and they're just sitting on my closed account.. They refuse to issue a refund to XXXX or mail me a check so I can settle up with XXXX XXXX This matter has been sent to collections by XXXX and needs to be remedied sooner than later.. US Bank Refuses to commit to when a refund will be issued and just says call back next week for an update .... How can a bank just sit on funds for over 6 months??

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 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had many problems with my chequing acount, fraudulent charges. Where I had stated to the rep. Not to dis-activate my card. Because I will fix the situation with the merchant because I new the issue, but chase dis-activate the card anyway. So they send me a new card. Which was no delivery with the 2 to 3 days stated by the rep. many issue have where I had to call chase many times. Getting in contact with Chase and obtaining inf is a issue. Rep. not providing they complete name to use as a reference as needed many time. Specially rep from XXXX and the XXXX. They hang the phone on me, they put me on hold for long periods of time and they act unprofessional when I ask for they information, but they ask me all kind of personal information but they can't provided me with they name. And yes it had been many time where my frustrations level had made me act uncivil ( use XXXX language ). 
According to chase rep. it is protocol not to provided me with only they first name. Security purpose. But that is my money and my personal information and I can't received information of the person that is handling my money and my information. This situation happens very often.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-25 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2022 I authorized a charge for {$1000.00} over the phone for a reservation deposit/partial payment on my cousin 's XXXX  bill ( XXXX for her XXXX  dog ). I specifically stated that I was only authorizing {$1000.00} and that any balance would remain my cousins responsibility and was between her and the merchant. The merchant agreed and confirmed this over the phone. The {$1000.00} was billed to my card. 

However, later that day there was a dispute between my cousin and the practice. My cousin felt the XXXX  was negligent and caused her whole litter of puppies  to XXXX  at birth. Accordingly she refused to pay the balance and informed the merchant to sue her and she would counterclaim negligence. 

The merchant instead charged the outstanding balance to my card ( it appears they saved my card number without authorization ). 

I did not authorize the merchant to charge any amount in excess of the initial {$1000.00}. I did not authorize the merchant to make additional charges to my account. I did not authorize the merchant to store my card as a " back up '' payment method. 

Chase advised me that I am responsible for the additional {$2500.00} charge since I did business with the merchant by authorizing the initial {$1000.00} deposit and the matter is between me and my cousin. This is incorrect. I am only responsible for the {$1000.00} that I authorized to the merchant. The outstanding balance is between her and the merchant because I did authorize such charge. 

Just because I authorized one transaction with a merchant ( aka did business with such merchant ) does not give the merchant the right to continue to charge my card as they please and without further authorization.

Company response to consumer: Closed with explanation