vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/2021 I deposited a government check from my Federally recognized XXXX XXXX ( XXXX XXXX XXXX ) to my Bank of America checking. This was a day before XXXX. I was advised that while a hold would be placed on the funds, they would cover any things debited from the account on the next business day XX/XX/2021. I have now received {$100.00} in fees from the bank ALONE ( nevermind the merchant ) because they are not allowing my debits to be processed ( automatic payments ) because they wont remove the hold. I did not ask for the entire hold to be removed, just enough to cover what is currently being pulled since I was advised it would cover it by the next business day ( XX/XX/2021 ). When attempting to get the fee refunded, I was advised I couldnt. I was advised the check looked fraudulent even though it was drawn on another bank ( XXXX ) and was government issued. I recognize and understand the need for the hold, however, I am extremely upset that they were able to release the hold to take THEIR monthly maintenance fee and then charge me additional fees.

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 monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau last XX/XX/2021, and I have not received any response from them. That means Equifax has failed to comply with the Fair Credit Reporting Act law and continuously reported inaccurate information on my Credit Report. Here are the concerned accounts that need to remove completely from my Credit Report : XXXXBalance {$590.00} XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: OR

Complaint narrative:
I was a loyal XXXX and Chase credit card customer and made MANY purchases every month with my XXXX card via Chase. XXXX day I noticed a charge I did not make and almost missed it because it was for such a normal amount ( {$12.00} ). I called XXXX, who told me i wouldnt be able to see the charge made on my account because it was on someone elses XXXX account named XXXX, and I immediately told them that the charge was not authorized by me whatsoever. I have ZERO other charges on my XXXX account for anyone elses name nor have I authorized my card to be used by anyone else. I then searched back on my Chase card and realized these transactions had been occurring monthly as a monthly XXXX account membership charge ( despite the fact that I pay annually ). I immediately contacted Chase to dispute the fraud and also thought I saw XXXX other charge I did not make. Chase opened a fraud claim and after weeks of waiting, I received information back that my claims were denied because I benefited somehow from these transactions. Not only did I not benefit, but I did not authorize these charges and neither XXXX nor Chase notified me or alerted me at all that these charges under someone elses name and on someones elses XXXX account were being made on my card. Horrible fraud prevention services entirely. 

Once my claim was denied, I appealed and contacted my local Sheriffs Department and made a police report. I notified Chase of this police report and emailed them all pertinent information. Throughout this process, I contacted both Chase and XXXX numerous times who kept telling me to dispute the charges with the other company ( Chase would say to contact XXXX, XXXX would say to contact Chase ) and both just sent me in circles, but never once did either company actually assist me in any way resolving these charges or taking responsibility for not having notified me of someone else having the ability to use my card. My appeal with Chase was then denied. 

I did not make the following charges to my Chase XXXX card NOR did I authorize anyone else to make these charges via XXXX or Chase and I did not in any way benefit from these charges : Charge XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12.00} x XXXX months = {$230.00} XXXX total disputed charges XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX ACCOUNT CHARGE CARD WAS PAID IN FULL AND THE ACCOUNT IS CLOSED THEY ARE SHOWING A 250.00 BALANCE WHICH IS NOT CORRECT THIS ACCOUNT WAS PAID IN FULL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

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 2021-11-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXX XXXX {$0.00} Charge XXXX  XXXX XXXX XXXX {$21000.00} Date Opened : XX/XX/201XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$0.00} ( Original Creditor : ) XXXX {$0.00} XXXX  XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I sent letters to Transunion Credit Bureau last XX/XX/2021, and I have not received any response from them. That means Transunion has failed to comply with the Fair Credit Reporting Act law and continuously reported inaccurate information on my Credit Report. Here are the concerned accounts that need to remove completely from my Credit Report : XXXX-Balance {$590.00} XXXX-Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my Credit Reports that need to investigate. Therefore, Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the Inquiry that needs to be removed completely from my Credit Report : XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : 1. ) Identify Theft ERC ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX This is not mine. 

XXXX. ) Identify Theft XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: NY

Complaint narrative:
I XXXX XXXX NATURAL PERSON WAS DENIED CREDIT WITH BANK OF AMERICA. I CALLED AND SPOKE TO A REPRESENATIVE AND THEY WERE VERY RUDE AND I WOULD MUCH RATHER BANK OF AMERICA OPEN THE CREDIT CARD ACCOUNT BECUASE I AM EXGTENDING MY CREDIT TO THEM MY SOCIAL IS XXXX NAME XXXX XXXX DOBXXXX XXXX THEY WILL BE ABLE TO LOOK LE UP IN THEIR SYSTEM I WOULD LIKE THE CREDIT CARD TO BE OPEND SO I CAN DO BUSINESS WITH THEM I AM REQUESTING A CREDIT LIMIT OF XXXX THAT I WILL USE RESPOSIBLY AND PAY ON TIME. 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 2021-11-30 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AR

Complaint narrative:
In XXXX I sent a check for {$39000.00} to have the PMI removed and to have my loan recast. On XX/XX/XXXX, the PMI was removed, but there was an issue with the recast. I called monthly asking for an update and kept being told, that an update was owed in the next month and to call back if the issue remains open. This happened over and over. I had an email get locked and called trying to get information that was in the locked email, but was told no one could help me. IT said that it would unlock in 24 hours and to try again. This was incorrect and no one at the modifications email would respond to my requests for more information on the locked email. I kept asking to speak to someone in the modifications department. I was repeatedly told to email them, I emailed the department and never got a reply. Repeatedly. When I would complain about this to the customer service rep, they would shrug and say all they could do was send an email. Finally I demanded to speak to a supervisor. I was told my call " did not qualify for escalation, as the supervisor would just repeat what I had already been told. '' I was livid and went off. Finally, I was escalated to a supervisor, after XXXX months of trying to get assistance, and was told that Amerihome was waiting on a notarized letter from us. I never received the letter and that is why they had been holding the recast, but no one would answer me or advise that the letter was needed. The supervisor sent a copy of the paper via certified mail to ensure that we got this. We returned this letter on XX/XX/XXXX via certified mail, due to the continued issues we have had. The next week, we called in and my husband and I got different stories. I was told the letter had not been received and to just wait for our mortgage to go to the new company to perform the recast. My husband called in as I was so frustrated. He was told EXPLICITLY that the certified letter had been received and that the recast would occur on Monday XX/XX/XXXX before our loan was sold on XXXX. I called in on XX/XX/XXXX and was told that no the letter had not been received and once again to wait until we are sold tomorrow. I am so flustered with the disjointedness of this company and the flippant behavior that they have towards their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: OK

Complaint narrative:
XX/XX/2020 i ended up in the hospital with XXXX. I was in and out for XXXX months. then went thru XXXX until XXXX XXXX while I was in the hospital having surgery and recovering. they started calling at XXXX and called EVERY hour until XXXX. I got so upset I was screaming into the phone to stop calling me. Doctors and nurses witnessed conn 's harassment of me. I have call logs to prove how many times they called. I explained to them in the first few calls what was going on and id contact them as soon as i got out of the hospital and was able to do so. they refused to allow me to heal while in the hospital and harassed me. at this point i believe i dont owe them a dime since they broke the law. i even told them to come get their items and be done with it and they told me they couldnt do that. then i get a letter in XX/XX/2020 stating they would take me to court which i'm still waiting on. i'm ready to get a lawyer since they just called me again XXXX days ago. i am done with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: MA

Complaint narrative:
In XXXX of XXXX I received an incorrect Annual Escrow Analysis from Cross Country Mortgage resulting in an overpayment of over XXXX dollars a month. I have, however, continued to make these payments in this erroneous amount. 

I have contacted the mortgage company multiple times since XXXX oXXXX XXXX via phone and email. When I call I am told that I can not talk to the escrow department because they do not take calls. I am then given an email address to send documents to which is only replied to with a " no reply email ''. 

To remedy this situation I have asked to have my escrow waived, that request has been denied. I am being forced to overpay because of a miscalculation on the lenders behalf which after XXXX months has not been corrected, despite my efforts. I am essentially being extorted by XXXX XXXX, if I do not continue to pay this erroneous amount, I risk destroying my credit and losing my home.

Company response to consumer: Closed with explanation