vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have applied for the bank of america custom cash rewards card in the morning and I got approved for it over a call and after that I receive no email about any other information in e-mail and I was genuinely concerned about this and chatted in help section on the Bank of america app and I was said to check application status on tool and the tool said my application is rejected I was concerned and I called Bank of America again they did not provide me with any concrete solution.

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 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Please delete the following unauthorized hard inquiries from my credit reports : 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

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 2023-08-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please delete the following unauthorized hard inquiries from my credit reports : 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

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 2023-08-18 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX Report Number : XXXX Date Generated : XX/XX/2023 Collection Company : LVNV FUNDING LLC Amount Owed : {$810.00} I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX XXXX. Neither XXXX nor LVNV FUNDING LLC has provided me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
From my previous complaint I have tried Numerous times to contact the Email i was given from Chrysler Capital and have yet to receive a response. I keep getting the run around when i contact the finance company I have VISUAL proof showing the XXXX company taking my vehicle stating it was in FACT Chrysler Capital who sent the XXXX XX/XX/2023 yet no one from Chrysler Capital has any notes or paper work stating it was taken this is getting very irritating and causing me much stress to where i am losing sleep and hair, i wake up at all times of the night checking to see if my car is still in the drive way I dont know who took my car that day cause Chrysler Capital doesnt know who it was either for all i know it could have been someone trying to steal my XXXX. My XXXX  app caught the tow truck company taking my vehicle and now its having issues that Chrysler Capital does not want to help me with, i am coming up on the end of my lease and need to get this situation taken care of as soon as possible. I have NO letters No EMails no kind of documentation since the initial day i contacted Chrysler Capital! this is ridiculous this is the email i was given from CFPB along with the video evidence i sent them. it has now been XXXX emails with videos and no response! : XXXX XXXX XXXX # XXXX cfpb complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have hard inquiries on my report that I do not recognize, are affecting me financially & I do not & have not give written consent for these hard inquiries to be on my credit reports pursuant to 15 U.S.C. 1681 section 602 A and 15 U.S.C. 1681 section 604 A - Section 2. 


XXXX XXXX XXXX XXXX  Hard Inquiry date : XX/XX/2023 XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023

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 2023-08-17 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: CA

Complaint narrative:
I have hard inquiries on my report that I do not recognize, are affecting me financially & I do not & have not give written consent for these hard inquiries to be on my credit reports pursuant to 15 U.S.C. 1681 section 602 A and 15 U.S.C. 1681 section 604 A - Section 2. 


XXXX XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: KS

Complaint narrative:
Hello, We've attempted to dispute this debt on multiple occasions without achieving a resolution. 

We acquired a car from XXXX XXXX in XX/XX/2018. Before signing our contract, the dealer informed us that if we chose to terminate the lease early, the vehicle return fee would amount to {$790.00}. They assured us that we could voluntarily return the vehicle to the dealer, preventing it from being reported on our credit, and this action would settle the entire account, bringing the balance to {$0.00}.

This information is outlined in the attached contract, along with supporting transaction evidence. Despite our efforts to share this with the collection agency, they insist on requiring a letter from the dealership. We've responded to them multiple times, emphasizing that they should possess validation of the debt from the original creditor on their end, given that they are the ones reporting it.

At this juncture, we find ourselves uncertain about the next steps and believe involving an external party to investigate this matter would be more suitable.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NFCU was working with me at a time while working, recovering from XXXX XXXX XXXX and returning from a leave of absence on XX/XX/XXXX at my work. I was diagnosed with XXXX XXXX XXXX by the VA during that time and had many appointments and therapy resulting from conditions aggravated or beginning from the XXXX time period. 
Come to the payments for my home for XX/XX/2023 and I was unable to keep my agreement for half payments due to curtailment of income from illness and lack of work hours from said illness and appointments. Then a sudden trip to the emergency room to discover another underlying illness exacerbating the pain from an illness I am scheduled for XXXX for. 
Working with NFCU since late XXXX when NFCU escalated the loan to demand remedy, the only option presented was short sale, not an offer of special forbearance or any other method. The foreclosure is set for XX/XX/2023. The examiner for the mortgage loss has repeated asked me to have my employers XXXX and my VA XXXX XXXX XXXX unethically change the return to work date to a longer period before the first exam after the XXXX. My employer requires release to work to be determined by the XXXX XXXX XXXX XXXX has to review me after the XXXX to confirm I can go back to work or extend the leave at the time of the first XXXX XXXX  appointment. 
I have not had this requested on my prior XXXX with this same loan. I have not ever experienced this unethical behavior with either of my XXXX prior home loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/23 I purchased laminate flooring which had to be ordered from XXXX XXXX XXXX XXXX  The flooring was never ordered because XXXXXXXX XXXX was never paid by the credit card company XXXX. So I never received the product. Chase my credit card company credited my card for both charges, but then one month later they put the charges back on. They claimed I received the flooring. I asked what channels did they go through to come to this conclusion and they said they called XXXX. Well XXXX  the credit card company on XXXX side would not know this. XXXX  never paid XXXX XXXX. There is no record. All that chase did was show me a charge slip, nothing more. This multibillion dollar company is supposed to protect me against fraud and has done nothing but charge me interest on this fraudulent activity. I have found numerous newspaper articles from around the states and lawsuits with similar stories. Something must me done!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17 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: NJ

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S.Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % 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 2023-08-17 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I do not agree with the reporting of these late payments and I would like them to be remove led.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: CA

Complaint narrative:
In XXXX XXXX XXXX  I received several copies of invoices from XXXX XXXX XXXX  of account statements with withdrawals under my name with several different addresses from Citibank with Costco. The first invoice dated XX/XX/XXXX through XX/XX/XXXX had a balance of XXXX and my actual previous address. On the invoice dating XX/XX/XXXX through XX/XX/XXXX there is a balance of {$1600.00} and another invoice dated XX/XX/XXXX through XX/XX/XXXX with a balance of {$1600.00}. These last two invoices had two different addresses. In XXXX I called Citibank and provided my name and social security and asked them if there was a credit card opened under my name and social security and they said there was none issued. I attempted to file a police report several times but they did not open a case as they claimed it was fake. On XX/XX/2023 I received a court summons as this debt was being collected.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Difficulties regarding request for credit freeze

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 2023-08-17 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
An unauthorized debit by XXXX XXXX was made. XX/XX/23 I called XX/XX/23 tothe bank before the money was debited. I told them the purchase was unauthorized for {$420.00}. I was told it had to be processed ; eventhough, I told them it was fraud. 

I was told to call back once the money was taken from my account. 

I called back filed a fraud claim XX/XX/23. However, i filed a second fraud claim as another debit occurred unauthorized, which money ( {$50.00} ) was taken from my son 's account, which was refunded. 

My claim was denied 2 times and they will not give reason. And has taken XXXX almost 6 months to give reason. 

I asked for documents and have been denied that as to reasons why I got denial information that is insufficient and a denied request as of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S.Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % 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 non-monetary relief
Consumer complaint received 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX the company I called and spoke with the XXXX and stated to him that their company ran my credit without my consent and I have plenty of inquired from their company as if I were trying to obtain credit and he stated he will not correct the issue that I need to contact the credit reporting bureaus. 

XXXX XXXX, XXXX XXXX XXXX XXXX, and on XX/XX/XXXX : I contact the companies and I let the sale managers know there are plenty of unauthorized inquiries on my credit report and the sales XXXX stated I have to call the credit reporting bureaus to have them remove the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted these XXXX companies by mail and they stated the inquiries are accurate after I stated to them they were fraudulent and unauthorized inquiries made. They replied and stated to contact credit reporting bureaus and add them to add a fraud alert.

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 2023-08-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX the company I called and spoke with the XXXX and stated to him that their company ran my credit without my consent and I have plenty of inquired from their company as if I were trying to obtain credit and he stated he will not correct the issue that I need to contact the credit reporting bureaus. 

XXXX XXXX, XXXX XXXX XXXX XXXX, and on XX/XX/XXXX : I contact the companies and I let the sale managers know there are plenty of unauthorized inquiries on my credit report and the sales XXXX stated I have to call the credit reporting bureaus to have them remove the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted these XXXX companies by mail and they stated the inquiries are accurate after I stated to them they were fraudulent and unauthorized inquiries made. They replied and stated to contact credit reporting bureaus and add them to add a fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX cancelled policy and I had contacted them that I would have their money the next week. I also explained that it was due to job loss. They proceeded to cancel policy and did not inform me that they were opening a new one. I wasn't able to drive because I didn't have insurance and I had to open another policy to use my cars.

This is a fraudulent charge and I tried to speak to them about it, but they did not get back to me ever.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANK
State: AL

Complaint narrative:
Recently I contacted Cadence Bank to have my PMI removed as the value has drastically increased according to my property tax records. My home has been owned for many years now, and Candence now calculates my escrow using county records. When I called, Cadence asked me to provide me with a copy of the county records and submitted this as requested. Public records show my home to be valued at {$200000.00}. On XX/XX/2023 I received a declination for my PMI declination, as Cadence indicated that although my escrow was being calculated on this amount, they would still honor the sale price of what I purchased the home for which was {$140000.00}. They continued adding that the only way they would remove the PMI could either pay {$450.00} fee to request an appraisal, or {$190.00} to perform a Broker Price Opinion.

This in my opinion is unfair and deceptive as in the one hand my esrow is being calculated on the county value, however I'm being charge a monthly PMI for Cadence 's opinion that my home is worth considerably less. Does not make sense. The only would to fix it, is if I pay them more money. Doesn't seem right. 

My current mortgage balance is {$120000.00} as of the date of the letter I received from Cadence Bank.

Company response to consumer: Closed with explanation