vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 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: DE

Complaint narrative:
I checked my personal credit report, which I acquired from Experian. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. As it states on my XXXX  on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX, on XX/XX/XXXX there was an unauthorized inquiry for XXXX, and on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX XXXX XXXX. As it states on my XXXX  credit report on XX/XX/XXXX there is an unauthorized inquiry from XXXX and another from this same creditor on XX/XX/XXXX, and on XX/XX/XXXX there is an unverified and unauthorized inquiry from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland funding has filed a Jude gene that to garnish my wages again without notifying me. They did this in XX/XX/2020 and it is the same agency/lawyer so they do have correct address information to serve me. They purposely sent it to the wrong address so that I would not have the information to show up to my court date. I disputed information with them and gave them my correct contact information. It is embarrassing that I have to keep going through this and explaining to my employer and is causing a threat to my continued employment. I feel that this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I HAD BEEN MAKING PAYMENTS TO AN ATTORNEY TO HANDLE A TAX PROBLEM I HAD, AND I MADE 10 PAYMENTS THAT ADDED UP TO {$7800.00} AFTER I HAD MADE MY LAST PAYMENT I COULD NOT GET IN TOUCH WITH THEM, SO I HAD MY BSANK RECALL THE 10 PAYMENTS TO MY ACCOUNT AND THEY DID, AND THEN MY ATTORNEY CONTACTED ME AND TOLD ME THAT NOBODY WAS IN THE OFFICE BECAUSE OF COVID 19, AND WE IRONED IT OUT AND I TOLD THEM I WOULD GET A CHECK FOR THE TOTAL AMOUNT AND DELIVER IT TO THE THEM THE NEXT DAY, SO I WENT TO THE BANK AND HAD MY BANK MAKE ME A CASHIERS CHECK FOR {$7800.00} AND THEY CHARGED ME {$10.00} AND MY ACCOUNT HISTORY SHOWS ALL OF THIS, SO AFTER I DELIVERED IT, THAT SHOULD HAVE BEEN IT FINISHED, BUT IT WASNT, MY BANK STARTED PUTTING THOSE 10 TRANSACTIONS BACK IN TO THE OTHER ACOUNT AGAIN, AND I CALLED WHEN I NOTICED THIS BECAUSE THEY WERE USING THE MONEY I HAD IN MY ACCOUNT TO DO THIS AS WELL AS MONEY I DIDNT HAVE, AFTER I LET THEM KNOW THEY STARTED BRINGING BTHOSE 10 TRANSACTIONS BACK AGAIN BUT ONLY BROUGHT BACK 4 OF THEM AND THE OTHER 6 THEY DID NOT AND THEY TOLD ME THAT THE TIME ALLOTTED FOR THIS HAD BEEN EXCEEDED, AND I SAID. " WHAT? '' I AM NOT THE ONE THAT MADE THESE TRANSACTIONS, AND I DID NOT ASK FOR THIS EITHER, AND I POINTED OUT THAT THE CASHIERS CHECK THAT MY BANK MADE WAS FOR THE SAME AMOUNT, TO THE SAME PLACE? AND THEY JUST LEFT IT LIKE THAT AND LEFT ME WITH A {$5500.00} DEBT AND ARE MAKING ME THE RESPONSIBLE PERSON FOR THIS, MY BANK DID THIS WITH OUT ME KNOWING AND I WAS NOT EVEN THERE WHEN THEY DID THIS, IT WAS ALL DONE BEHIND THE COUNTER AND NOT AUTHORIZED BY ME, AND TILL THIS DAY THEY STILL IGNORE EVERY EMAIL I SEND TO THEM IN REGARDS TO THIS AND THIS HAPPENED MORE THAN A YEAR AGO, IS IS HAVING A BAD AFFECT ON MY FINANCIAL STATUS AND CREDIT, I HAVE THE DATES AND ALL THE TRANSACTIONS FOR THE AMOUNTS AND THE DAY THAT IT WAS DONE, AS WELL AS SOME EMAILS THAT I SENT TO THEM I DONT KNOW WHAT ELSE I CAN DO TO RESOLVE THIS AND EVERYTIME I CALL AND ASK ... ... THEY TURN IT AROUND AS IF I DID THE TRANSACTIONS AND I DID NOT, IT IS VERY CLEAR THAT WHAT THEY DID WAS WRONG BUT THEY WILL NOT DO ANYTHING ABOUT IT, THEY ADMITTEDE BEING WRONG WHEN THEY BEGAN PUTTING THE MONEY BACK IUNTO MY ACCOUNT THE SECOND TIME, BUT FAILED TO PUT BACK ALL OF IT please help me with this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello. This was CFPB Complaint XXXX for Experian and now it is this CFPB Complaint ... Just so you know, that is. With that said, upon trying to mail Experian at XXXX on XXXX, I found out that I can NOT mail ANY information to Experian because they have provided me with NOT a thing other than a P. O. Box which is 100 % UNacceptable. In other words, know I require a Mailing Address for Experian and have yet to be given one. [ Note : My Experian Complaint on XXXX has a Company Misprint on it. ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: MN

Complaint narrative:
I'm not able to access my online account with Optum Bank since I no longer remember the password to the account. I would like to re-set my password. 

I sent an e-mail to Optum Bank on XX/XX/2021, stating that I don't remember the password to my account and I no longer have access to the phone on file, and asking if my password can be reset. 

I received a secure message that I would need to call. I e-mailed on XX/XX/2021 stating that I don't have reliable access to a phone. I asked if my password could be reset and tax forms e-mailed to me. 

I received two secure messages with the requested tax forms. I also received a secure message that these forms would be mailed to the address on file, which is not what I requested. 

I received a secure message asking me to provide the following information : -First and Last name -Date of birth -Current phone number -Last four digits of your Social Security Number -Mailing Address I e-mailed this information on XX/XX/2021. 

I received a secure message that I would need to re-send my e-mail as a secure message through XXXX. I sent this information through XXXX. I then received secure messages that I would need to call. 

I've gotten confused with several of the messages I've received from Customer Care. I would like my password reset. I've been able to do this with another financial institution without having to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOPE BANCORP, INC.
State: CA

Complaint narrative:
In reference to CFPB complaint XXXX I had filed an initial complaint about Bank of Hope. The issue, though they claimed it has been rectified, has not. I'm feeling pretty hopeless at this point. 

They are now harassing me and my ex-husband, who has no knowledge of the issue because I legally own the house, and threatening to send my account to collections even though my case is being handled by a man presumably employed by them. His name is XXXX XXXX. 

They need to get their BIG BANK PANTS on and use their fancy programs and plug in the CORRECT NUMBERS and fix this problem. THIS IS AS SIMPLE AS IT GETS. 

We are past ONE FULL YEAR of this same issue. I am EXHAUSTED by the INCOMPETENCE.

My credit rating is XXXX. I have never missed a payment for any bill in my entire life. I am XXXX. Do I need to hire a lawyer? 

Please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
SPS withheld material information and thus perpetrated a fraud by not disclosing the information provided in Mortgagee Letter XXXX and the fact Sheet : " Biden Administration Announces Extension of COVID-19 Forbearance and Foreclosure Protections for Homeowners '' both published XXXX XXXX. Those documents proclaimed : " Today, as part of the Presidents commitment to deliver immediate relief for American families bearing the brunt of this crisis, ... .announced an extension and expansion of forbearance and foreclosure relief programs. 
These critical protections were due to expire in XXXX, leaving many at risk of falling further into debt and losing their homes. Now, homeowners will receive urgently needed relief as we face this unprecedented national emergency. Todays action builds on steps the President took on Day One to extend foreclosure moratoriums for federally guaranteed mortgages.

The actions announced today will : Extend the foreclosure moratorium for homeowners through XX/XX/XXXX ; Extend the mortgage payment forbearance enrollment window until XX/XX/XXXX for borrowers who wish to request forbearance ; Provide up to six months of additional mortgage payment forbearance, in three-month increments, for borrowers who entered forbearance on or before XX/XX/XXXX. 

Instead of extending to forbearance from 11 months to 18 months as the Biden administration directed mortgage servicers to do, SPS chose to ignore the above declarations by withholding material information that would save homes from foreclosure and instead forced struggling homeowner into a reduced payment scheme ( UP ) that would result in large balloon payment that would cause homeowner to default on there loan and allow SPS to foreclose on the equity rich homes and profit from fees that SPS would collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I filled out an online preapproval application and was contacted by XXXX XXXX. She was very upbeat and positive and after I provided all of the requested information she contacted me to discuss my application. She reviewed my credit report with me over the phone and asked me why with no late payments and a strong length of credit did I have XXXX  boost on my report of 4 bills. I explained I added it when I downloaded the app because the app suggested it. She told me that I should remove the 4 accounts because they were reducing the amount I could pay monthly on a mortgage. She also told me I should take out a new loan to pay of a personal loan on my credit because the personal loan payment was so high ( XXXX but I only had 12 more payments and had chosen the high payment amount to pay it off quicker ). She gave me a preapproval with desk underwriting and actually referred me to my agent who I got along well with. 

We finally got an offer accepted and I paid the appraisal fee, etc. she said the loan was approved and already underwritten. That we were good to remove contingencies. She sent me closing disclosures and I waited for my signing date. As our closing date came and went she said that the loan was approved, underwriters were satisfied, but a system issue was preventing me from signing and that she had all the area managers working on it to figure it out. My agent made an appointment with her XXXX to discuss the issue because the seller had begun charging us a daily fee for not closing. At that time he told her he didnt know why I removed positive trade lines and paid off a two year old loan with perfect payment history for a new loan, but that had affected my credit dramatically and now the desk underwriting was kicking my loan out as high risk. She sent me an email with him saying the same. Luckily I had emails that showed XXXX had actually told me to do this. He worked for a week trying to find a way to close the loan, but in the end I lost the house, my {$8000.00} earnest money deposit, and now have to go out and find someplace to rent with my credit literally in shambles. I cant caution enough to be very careful using this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-18 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:
I pulled my credit report and noticed several inquiries from XX/XX/2019 and several from XXXX and I reported to Equifax that it was fraudulent activity and I did not make them accusations I called several.of times ans and on one have tried to help resolve my issue and one hung the phone up in my face while I was still talking trying to explain my situation one answered and said they recieved my diaputr letterd and the phone hung up i callwd right back they next person said they never received my letter when the person before me.confirmed they got the diapute letter I explain I had a fraud alert on my account and that I sent in all.paper work they said nothing they could do and hung up the phone The following items are 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 XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Attended XXXX XXXX XXXX between XXXX through XXXX. XXXX lied about graduates ' job prospects, made " repeated and significant misrepresentations '' about its ability to help students get jobs, and In reality, making it harder to find employment when XXXX was listed on my resume. 

In addition, with XXXX 's shuttering, it has been impossible to get financial information to corroborate any balances due, how the provided funds were utilized by XXXX, and how the balance has ballooned exponentially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: MA

Complaint narrative:
I am filing a complaint Cause there has been someone using my identity as a result of identity theft. I filed a police report and then Pheonix Financial has started reporting this account after my report. 

It is showing the account numbers as XXXX and XXXX. I have never been to the facility is shows nor have I ever beeb medically attended by anyone. The debt is showing the facility is in Florida and I live in Massachusetts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As a Federally Protected Consumer Pursuant 15 USC 1601, I have made several attempts demanding that this company XXXX  XXXX DELETE ( and the other CRAs ) an account from XXXX  that I did not give consent to be furnished. I have asked them to verify the debt and XXXX response is that they have verified the account as mine. I have asked them to show proof of verification via penalty to perjury and they have yet to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a Federally Protected Consumer Pursuant 15 USC 1601, I have made several attempts demanding that this company XXXX  XXXX DELETE ( and the other CRAs ) an account from XXXX  that I did not give consent to be furnished. I have asked them to verify the debt and XXXX response is that they have verified the account as mine. I have asked them to show proof of verification via penalty to perjury and they have yet to comply with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA will not allow me to access my accounts unless I answer their survey wanting my employment information, income and net worth. I can no longer look at my accounts, pay bills or even deposit checks. I wonder if this is even legal. 

Ive spoken with an assistant out of the CEOs office and theyre standing firm, give them my information or get cut off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: DE

Complaint narrative:
I checked my personal credit report, which I acquired from XXXX. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. As it states on my Equifax on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX, on XX/XX/XXXX there was an unauthorized inquiry for XXXX, and on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX XXXX  XXXX. As it states on my XXXX  credit report on XX/XX/XXXX there is an unauthorized inquiry from XXXX and another from this same creditor on XX/XX/XXXX, and on XX/XX/XXXX there is an unverified and unauthorized inquiry from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: VA

Complaint narrative:
On XX/XX/2021, I purchased a car warranty from XXXX XXXX in the amount of {$560.00}. Upon reviewing the warranty, it was inadequate and I requested a cancellation and refund on XX/XX/2021. The merchant refused and quoted a policy I was never made aware of. They advised I only had 10 days to cancel the policy ; therefore, I filed a dispute with my bank. I initiated a dispute and received confirmation from J. P. Morgan Chase on XX/XX/2021. J.P. Chase Morgan has refused to file a dispute on my behalf with Visa. They stated the merchant provided documentation that did not provide the cancellation terms and they asked the merchant for a refund. Again, the merchant refused. Chase has rebilled my account and did not notify me of the rebill. I was paying my bill and noticed it on my statement. I was not given the opportunity to download, mail, or fax my documentation to support my position. When I initiated the dispute online, there is no link to download documentation. I only received one letter from Chase that mentions to save my documentation but, it does not inform me what to do once I keep my documentation for the dispute process. I contacted Chase on XX/XX/2021, and was told by a dispute representative, XXXX and supervisor, XXXX, they will not file with Visa because the merchant refused??? Based on XXXX guidelines, the merchant must inform the customer of the cancellation policy at the point of sale which this merchant did not do. Chase is refusing to file my dispute with Visa. I contacted Visa and they advised there is nothing they can do and Chase must file the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX  and I do not have a contract with CAINE WEINER plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I visited XXXX, Fl on or around XX/XX/2021 for three days. Used a car wash and the sales person talked to us getting a unlimited was and buy a monthly pass which would have been a better deal even if we used it twice. He didnt ever mention recurring charges. After I realized the recurring charges on my account, I called XXXX XXXX XXXX but no one seems to answer the phone. Mailed in a letter but no response received and the charges are going through my account monthly. 
I called in to the credit card customer service and the lady was unable to help me the 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