vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: TX

Complaint narrative:
I have submitted many complaints to all credit Bureau to remove the following UNKNOWN/FRAUD inquiries with ZERO support and ASSISTANCE. They keep responding with the same automated response. These inquiries are HURTING my financial situation and must be deleted from all 3 Bureau 's ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO SENT MULTIPLE REQUESTS TO DELETE INNACURATE REPORTS WITH NO RESPONSE. All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX  XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX  ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 7. XXXX - CARD SERVICES ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. ( XXXX XXXX XXXX  XXXX XXXX XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted many complaints to all credit Bureau to remove the following UNKNOWN/FRAUD inquiries with ZERO support and ASSISTANCE. They keep responding with the same automated response. These inquiries are HURTING my financial situation and must be deleted from all 3 Bureau 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE ALSO SENT MULTIPLE REQUESTS TO DELETE INNACURATE REPORTS WITH NO RESPONSE. All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! 

XXXX. ( XXXX  XXXX XXXX  XXXX XXXX Account # : XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 3. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 4. XXXX  XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 5. XXXX XXXX  ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 8. ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 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: NCB Management Services Inc.
State: NV

Complaint narrative:
FRCA Violation credit card XXXX XXXX XX/XX/XXXX FRCA Violation real estate loan late payment XXXX CARES ACT Violation personal loan late paymentsXX/XX/XXXX FRCA Violation other loans XX/XX/XXXXXXXX FRCA Violation hard inquiries XX/XX/XXXX XXXX FRCA Violation collections NCB MANAGMENT SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: Mobiloans, LLC
State: NV

Complaint narrative:
FRCA Violation credit card XXXX XXXX XXXX XXXX FRCA Violation real estate loan late payment XXXX CARES ACT Violation personal loan late payments XXXX FRCA Violation other loans MOBILOANS LLC FRCA Violation hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXXXXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
My husband and I applied for a mortgage loan from XXXX XXXX at Caliber Home Loans. We were also working with a Mortgage Broker representing various other lenders in an effort to secure the most favorable rate. Throughout the process with Caliber Home Loans, XXXX XXXX, never once mentioned to us that her rate would include a charge for points. Throughout all phone conversations with her and in all of email exchanges back and forth, she never revealed to us that her interest rate of XXXX included a fee for points. On XX/XX/XXXX, we advised XXXX that our closing date was changed to XX/XX/XXXX, and we asked her to provide us with her firm rate quote as it was our intention to lock in the rate prior to our closing. She responded to our request exactly as follows : Hi there! Good news on moving the closing so we could lock. The market is bonkers and rates are really creeping hard. I locked you ahead of another bad pricing change so we are at 3.650 % right now and can get to the XX/XX/11 closing date. 

As you can see from her response above, she said nothing about points being charged. My husband responded to her at that time and advised her that we had an offer from another lender for 3.62 % with 0 points and asked if she could match that rate which was slightly lower and she responded by saying that they did not have that rate option but reminded us that she would not be charging us for an appraisal. Even though we advised that the other lender was not charging any points, she still did not disclose to us that her interest rate was based on points, which ultimately cost us an additional {$5900.00}. 

We did not realize that we were being charged points until we showed up for our closing and the closing agent pointed out the points being charged. XXXX did send us a rate disclosure document, electronically for signature, and on page XXXX, in fine print, the document showed the charge of {$5900.00}. From our perspective, she was deceptive and unethical by failing to disclose the points to us, but rather hiding them on page XXXX when she later sent forms over to us for electronic signature. If the terms of a business transaction are clear upfront, consumers are able to understand their options and effectively comparison shop. We had an expectation that Caliber Home Loans would compete fairly and ethically, but that is not how I would describe our interaction with this company. We will provide documentation of our claim. 
Thank you, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Cash funds were immediately withdrawn ( XX/XX/2022 ) for a future stay with the XXXX XXXX ( XXXX XXXX XXXX ) via my Bank of America debit card in the amount of {$1500.00}. 

I cancelled the stay on XX/XX/2022 and received two notifications of cancellation and 100 % refund. Yet the cash funds would not be returned to my Bank of America for 14-days despite the unambiguous refund.

I called and wrote to Bank of America to request a provisional credit of the {$1500.00} in cash funds taken from my account and being used as " corporate float. '' The Bank of America said, " they were unable as per FDIC Reg E, and that a company may need time to reconcile IRS, accounting, or other issues, though typically 5-7 days. '' I disagreed. 

This sounded to me like banks, regulators or regulations, and companies were still operating in the pre-digital, pre-computer era of paper check processing. 

The company did not provide a refund conditioned upon vague IRS or accounting issues. They gave me an explicit, unambiguous credit - but then applied such to a 2-week future date for reasons unstated but also transparent ( i.e., FLOAT ).

I request the Bank of America, the FDIC, the CFPB, and all corporate entities acknowledge that the digital era exists in 2022, so outdated regulatory timeframes for reconciling payments must be updated accordingly. 

To the extent there are valid time lags in the digital era, the Bank of America and other Banks should accept that FLOAT expense over customers, as they would then have an incentive to minimize such- which they don't have presently. 

Thank you.

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 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
This is a formal complaint against Security Credit Services located in XXXX, MS . This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all XXXX of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Security Credit Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: PA

Complaint narrative:
I have reviewed my consumer report and found unauthorized inquiries and accounts, they are effecting my ability to obtain credit for my every day living.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase persists in locking me out from accessing my account on-line. I have spent over an hour on two successive days for this to be corrected ; and have been transferred from person to person with no results of allowing me access to my credit card or its information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I reviewed my credit report and saw that XXXX at XXXX was STILL reporting to my credit for Equifax. This account has been paid in FULL! I have attached proof of payment and would like for you to remove this from my credit report at once! This is tarnishing my credit score and impacting my buying power. I have already sent over XXXX rounds of dispute letters!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have two installment payments with my Apple Card ( an XXXX and an XXXX ) and want to pay off my XXXX installment. First, while I tried to pay off the XXXX, it stated that I have to completely pay off the balance on my Apple credit card to be able to do so, which I did. 
Then, I went directly to the XXXX installment to pay the XXXX early, however, it shows the whole amount for both the XXXX and the XXXX. Since I don't have the money to pay off the XXXX and only wants to pay off the XXXX, I contacted an apple expert through the message app that they recommended. After speaking with 3 different people, they lied to me and said I have to drive back to the store where I purchased the item to pay it off there. After driving to the store, the store employees told me I have to contact Apple by phone to pay it off there. After contacting them by phone again, the person at the line walked me through several steps to pay off even though I voiced my concerns that I want the payment to be allocated to the XXXX XXXX and he assured me that he has done it before and should have no problem to pay it off. 
However when I made to payment for the XXXX, the payment instead went to the XXXX. When I asked to fix it, he told me only after that I am only able to pay the first installment and can not pay off the XXXX. when I asked for a manager, they lied to me and sent me through 3 different people and none of them were manager.

All I needed to do was just to pay off my XXXX. At this point I was beyond frustrated and angry and ask to return the XXXX and they still continue to lie to me again and again. No one should have to go through what I went through with Apple inc just to pay off a merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stern Recovery Services, Inc.
State: LA

Complaint narrative:
In XX/XX/2022, I reviewed my Credit Report. On my Credit Report it shows that I have a XXXX medical collections with XXXX XXXX XXXX. I do not recognize this medical debt and wrote them a Debt Validation Letter ( attached with the date that it was mailed ). 

I received a response from the Stern Recovery Services , inc formerly known as Stern & Associates that they could not find my account without the last 6 digits of the account. This information is not necessary since I have lived at the same address for 7+ years and provide the balance, when the account was opened, and that this was medical debt on the debt validation. They also implored that the last 6 digits can be found on the credit report, but this is not accurate.

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 2022-04-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Report act 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 I have rights of privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without 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 2022-04-08 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 — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is a formal complaint against XXXX XXXX located in XXXX, OH. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-04-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has done an Unauthorized Hard inquiry XXXX. 
This was not requested by me. I have tried to resolve this over the phone and was told to make a 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 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase said I forfeited my points due to a closed account XXXX XXXX XXXX I closed the account due to the higher {$550.00} fee than I originally agreed to. They will not give me the XXXX points from my account. I was never alerted to the forfeiture of the XXXX points. I also have an active chase mortgage account but they will not count that as an open account. 

I offered to reopen the account or open a new account but they will not do anything to rectify this issue. 

I called to close the account on or about XXXX. I was notified it was actually closed XXXX. I contacted chase about the missing points on or about the XXXX of XXXX. 

Ive contacted them twice via phone once via social media and went to a branch to try and get some help. They all were not able to help me or provide the cancellation call where they informed me I was going to lose the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
I have a XXXX XXXX account with Optum Bank ( FDIC # XXXX ) with a balance over {$6000.00}. They sent debit/credit cards for myself and my wife. The card indicated to to activate and set a PIN, call... XXXX XXXX XXXX XXXX That number is for an automated recording with no ability to take to a person. The first time We both called, after following the directions we received the recording that the card service can not process your request, please contact customer or member services. 

We called that number, which appears to be a foreign call center. They said they could only activate the credit card, but could not provide a PIN to activate the debit card, and said only the automated number can issue the PIN, so call again. We made many attempts but could not get a PIN. 

We called the customer service again who issued XXXX new cards. Again the automated number refused to activate and provide a PIN, and referred us again to the foreign call center. Again they activated the credit card, but not the debit card. They said only the automated number can do that. We made a number attempts to activate the debit card and each time were informed call customer service, who said they have only the ability to activate the credit card, but not the debit card. 

When informed that our primary use would be at XXXX, which does not accept this credit card, the said we could seek reimbursement. 

It appears that Optum bank makes it impossible to access my own funds via a debit card, but wants to keep the float, requiring that I pay up front and seek reimbursement, by refusing to give customer service the ability to activate the debit card. The banks web site does not provide a telephone number for its main office location in XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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