vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: OR

Complaint narrative:
Hello, My wife and I applied to refinance our existing loan through Key Bank on XX/XX/XXXX. Our home was originally appraised at over XXXX XXXX on or around XXXX. The current loan was around $ XXXX when our application was taken. Our home address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. The appraisal value done by XXXX XXXX has reported a value of {$700000.00}. Initially, XXXX XXXX XXXX took our application in a secure portal, and later in our process, he needed help to show the correct income on our application. Then our loan was transferred to XXXX XXXX, and XXXX XXXX reviewed our loan process. The lender ( Key Bank ) authorized an appraiser to start our loan process, and we paid the appraisal fee. Our appraiser was XXXX XXXX XXXX, with license number XXXX. At this point, with our complaint, his license is revoked by The State of Oregon. The long story, XXXX XXXX bodged our appraisal by misrepresenting the actual value of our property, not reporting the correct square footage to the lender, and not correcting the report when he was asked to revisit the property. The Lender, Key Bank, refused to send another appriser and to make it right. They asked me to fill out a report stating the discrepancies and advising me that this was the only action that may occur. They discriminated against giving us a mortgage loan while our income and credit scores were and still are in high percentages. When our application was taken, the interest rate was on or around XXXX XXXX, while our existing loan is around XXXX XXXX. They refunded our appraiser fee and refused to give us a Mortgage loan. 

XXXX XXXX Mortgage Loan Officer NMLS # XXXX Office : XXXX Fax : XXXX Mobile : XXXX XXXX XXXX | XXXX Mortgage Assistant Vice President | Mortgage Loan Officer Office ( XXXX ) XXXX | Fax ( XXXX ) XXXX | Cell ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After lengthly back and forth communications, we were told our home did not appraise to make the loan and the lender did not initiate a qualified appraiser so we can see what the true value for the property was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
XXXX XXXX XXXX confirmed that a collections amount was placed on my credit report for energy charges that were accrued after I had vacated the unit. I had given XXXX XXXX XXXX advanced notice that my lease and energy commitments would be terminated effective XX/XX/15, and they confirmed that information would be noted on my account. 

However, I have just had a conversation with both XXXX XXXX XXXX and the collections agency in which they report that they have no file of me contacting XXXX XXXX XXXX to end my energy bill. 

I dispute that I am liable for any of the charges claimed, and am seeking a complete removal of this collections from my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Have been receiving phone calls, followed by letters from ALDOUS & ASSOCIATES , PLLC XXXX XXXX XXXX XXXX, UT XXXX since 2021. It is for a gym that closed during pandemic, but this debt collector is claiming owed funds and sent a contract with forged signatures and initials, unknown bank account and incorrect birthday. Phone number XXXX on letter is not working. Have spoken with them on phone, returned emails with evidence, and sent copy of fraud investigation but still harassing as if nit received/do n't care

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Kimball, Tirey & St. John LLP
State: NY

Complaint narrative:
Kimble tirey and saint john a law firm for a x landlord keeps pulling my credit reports without my permission. They have been told to stop and still are constantly pulling my reports. 

They are trying to collect a debt that i do not owe them and never have owed them. 
They fraudulently got a judgement for there client after i relocated out of cali i was never notified of a court hearing. 
I have proof from there client an old email if i moved i owed her nothing this was to stop me from suing her over the damages to my truck, the XXXX on my son, as well as the XXXX on myself and back pay for being out of work due to my injuries. 
These attorneys keep putting this on my credit report then pull my credit report and i have told them they are not authorized to do so and need to stop immediately. 
I have informed them if i found they had pulled my credit report again i was filing a complaint with you and they did so again in XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase closed my account on XX/XX/XXXX and did not return my money. I have waited for 40 days and Chase just hold my money. I have called several times but that doesnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are inaccurate, the balance status and date of payments are inaccurate. I have reported this to the bureaus, but I did not receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I called M & T Bank and as usually the same prompts were provided. 
The representative was unknowledgeable, Concerning my identity theft and other prior documentation concerning my account. 
I was asked questions that made me suspicious of situation. I hurried off the call with M & T bank and noticed my cellphone number I use to identify M & T Bank with and us to call from my contact list was different and it disappeared. I took a snap shot of what I could to justify my accusations. I immediately called the FTC and, while speaking with the representative my cellphone started to upload. I told the representative I had to hurry and hang up. 
I then turned off my cellphone.

My M & T Bank is cloned with an imposter pretending to be my mortgage company. 
My cellphone is hacked and my-accounts are to. This is a familiar incident I am experiencing with XXXX currently. I provided XXXX with the impostors contact information that is being used to scam me.. 
I have information in my phone that states encrypted secret conversations T that I did not authorized or have knowledge of, until recently. 
I request an investigation and a stop to foreclosure procedures. 
It is more that obvious that I am experiencing extreme identity theft and it has already been documented and identified. 
I am not receiving emails or any correspondence properly. 
All of my electronic devices have been compromised. 
I have a police report. The bankruptcy M & T Bank validated was months prior to my knowledge of occurring. I received NO correspondence from M & T Bank, concerning a bankruptcy, during the time of the fraudulent transactions occurred. 
I am a victim, I am being treated unfairly. 
I reported fraud and I have not spoken to anyone concerning the investigation of the criminal fraudulent activities that are occurring in my name under my identity that is approved by M & T Bank. 
I have information that I am anticipating sharing with M & T Bank in the pursuit of Justice.

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 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
XXXX to present usaa bank they transfered money to my other account witthout my permission.They kept my tax refund check and said it was put in a closed account .The same day they did a chargeoff fraud but told me no fraud acured .They are now saying they dont have my social sucurity number or id or adress and are going to close my other account due tothem not having this info .How can they not have this info they had to have it to open acccount .every time i call i get a different answer .we filed a police report immmediateley after our vehicle was taken from work i was working at XXXX  and could not take items in due to covid, i also sent them notice of a breach where my info was shared from my doctors office .they still claqim no fraud accored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX ) I am not able to access my on-line account. I tried changing password even though I entered t he correct password, I was able to get in once, when I tried re-entering my account I could not XXXX et back in. I tried changing my password again, and am still not able to get in. I talked to Citibank tech support who told me they saw no problem, and then they hung up on me. I am an XXXXXXXX XXXX XXXXXXXX and I know when a system is not working ; the tech support person I spoke with did not listen to my problem and refused to look any further than the front-end. I can not access my account, and Citibank is unwilling/incapable of helping me. 

XXXX ) When I was able to enter my account, my credit card information was GONE. I tried calling the number on the back of my credit card, I was put on hold for XXXX minutes, then was disconnected. 

I called my local branch manager and he told me he could not do anything to help. Citibank left me no alternative but to file a complaint with the CFPB, but in the mean time my credit card payments are going to be processed INCORRECTLY, and there is NOTHING I can do to stop 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 non-monetary relief
Consumer complaint received 2022-11-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I was notified on XX/XX/2022, by XXXX XXXX XXXX that someone had fraudulently used my identity to secure an Ink account in my name on XX/XX/2022. They closed the account, and I have been chasing ripples from my identity theft since. 

I have made a police report to my local police department, XXXX XXXX MO XXXX ( XXXX. XXXX XXXX # XXXX, report # XXXX ), and I have submitted an Identity Theft Report ( # XXXX ) to the FTC. I have frozen all of my credit reports, and have placed a 1 year fraud alert on all three of my credit reporting accounts. 

In reviewing my credit reports from the 3 major consumer credit reporting agencies, I noticed a hard inquiry from Bank of America dated XX/XX/2022. This was not me, it was an inquiry generated from the identity theft. I disputed the inquiry, since it was due to the identity theft. BOA reviewed their records and confirmed that the information they reported to the consumer reporting agencies is correct. They will not remove the fraudulent inquiry from my credit report, and consider the dispute resolved.

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 2022-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX I received a settlement letter via fax that acct # XXXX was to be settled for the amount of {$2400.00}. I set that payment up and it was taken from my bank account see documentation. I then never received a letter saying it was settled so I had my wife call to get XXXX, they told her they couldn't speak with her ( after I had already authorized her twice before ) I then received a notice from XXXX on XX/XX/XXXX that said my debt was sold to them and that I still owed the remaining amount on my account. I paid the settlement on XX/XX/XXXX per the agreement. ( see bank statement ) I also received a settlement letter for account XXXX with the agreement of paying {$3200.00} by XX/XX/XXXX, they didn't let me make the payment in accordance with their agreement as my account was sold on XX/XX/XXXX to XXXX. I was supposed to have until XX/XX/XXXX to make payment and they did not allow that to happen. ( see letter )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: FL

Complaint narrative:
Both XXXX and Experian have violated my rights by reporting inaccurate information on my consumer report. I have made several attempts to have them delete these wrongful listed items, but they did not do anything. Meanwhile they say the accounts have been verified but XXXX has removed them because they are inaccurate and can not be verified. So how can XXXX and Experian verify these accounts Remove all accounts : 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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In fact the FCRA laws have been violated : 15 USC 1681 Section 602 that states i have the right to privacy 15 USC 1681 Section 604 Section 604 A Section 2 : - consumer reporting agency can not furnish an account without written instructions.

15 USC CODE 1681a - Definitions : rules of construction - Exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

IRS confirmed Charge off as taxable income and written off by the creditor. Therefore, it is income that has to be reported but is not reported on a credit 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 2022-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC
State: PA

Complaint narrative:
Hello XXXX XXXX, this is Spire Recovery Solutions. We're trying to contact you in regard to the account you have in our office. Please text us back or call us at XXXX and refer to reference number XXXX. You may go online to setup an arrangement following this link : XXXX XXXX XXXX This is an attempt to collect a debt, any information obtained will be used for that purpose. Thank you. 
Text STOP to opt out My response : I AM NOT THE PERSON YOU ARE LOOKING FOR. MY NAME IS NOT XXXXXXX. 
STOP STOP STOP STOP Another message sent by them : Hello XXXX XXXX, this is Spire Recovery Solutions. We're trying to contact you in regard to the account you have in our office. Please text us back or call us at XXXX and refer to reference number XXXX. You may go online to setup an arrangement following this link : XXXX XXXX XXXX This is an attempt to collect a debt, any information obtained will be used for that purpose. Thank you. 


My response to the latest message : To whom it may concern. 
I responded to this text that I am not XXXXXXX XXXXXXXX and texted STOP multiple times. As you have now sent another text on this I will be filling a formal complaint against you with the FTC and our state attorney general office. 

I went to the FTC site and they forwarded me to your site. 
Thank you for investigating this matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have been going through this dispute process with Elan Financial/Ameris Bank for over 2 months. They are not properly handling a payment which was made in error and the amount surely was not authorized. I have sent them proof by fax on 2 different occasions showing that that payment for {$6100.00} was made in error. But, they have an " XXXX '' of a agent ( XXXX ) working on my case, who keeps saying that I rented a piece of equipment, so that somehow makes the charge valid. Even though XXXX herself states that I only possessed the equipment for 14 days, and I provided proof that the rental fee for the equipment was on {$1100.00}. So, I was totally puzzled how she came to the conclusion that a payment made in error was legitimate and should remain on my account. That amount is more than 12 times what I would owe for the rental. I am completely appalled by the lack of customer service by Elan Financial. 

I sent then evidence that that charge was an error as well as myself asking XXXX XXXX, the merchant, to reverse the charge.

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 2022-11-07 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: GA

Complaint narrative:
To Whom It May Concern, I am having an issue with Experian credit reporting bureau pertaining to numerous accounts showing in error, without proper documentation as asked for through dispute and now the company refusing to investigate ( in accord with the FCRA and providing concise documentation on how verification criteria is or has been met ). 

Experian limits the dispute process for consumers and routinely states accounts are accurate and meet compliance without providing to me how exactly that compliance is being met. I have received no documents from my request as outlined in the FCRA and Fair Debt Collection Practices Act. 

Accounts for XXXX XXXX which have been disputed for the past 3 months have all been stamped as meeting FCRA requirements, but I have been provided nothing more than their blanket statement without the validation sought. I can not be the only one facing this issue. 

I am asking this agency to mediate a timely response and documented evidence of their investigation results, including copies of official documentation which proves the account is accurate. Materials which I have yet to receive, and which have been asked for repeatedly. 

Experian has also gotten into the habit of changing my username and password on XXXX nonconsecutive occasions prompting me to have to use their myriad telephone system to try to reach an agent in order to address this matter. I ask for your assistance as far as can be given to me.

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 2022-11-07 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: NY

Complaint narrative:
I paid for my credit report and upon checking. I realized there's hard inquires that i don't recognize. 
Experian : XXXXXXXX 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 2022-11-07 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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Hi, I have tried countless times to dispute the issue with XXXX pertaining to the incorrect stated amounts owed to Spring Oaks Capital LLC. Each time my claim has been returned as confirmed, which is incorrect. Please correct me if I'm wrong, but it is to my understanding that a company collecting debt or so-called debt are required to be licensed in the state of the alleged person that owes the debt. Is that correct? If so, according to Spring Oaks Capital LLC is not licensed in the state of New York. On that data point alone any claim and/or attempt to collect debt from me should be taken as a violation of Consumer Finance Laws and an attempt to commit an unlawful act. There's also the issue of I do not know nor have ever signed any document binding me to XXXXXXXX XXXX XXXX XXXX. XXXX should be held responsible for lack of debt ownership and illegally allowing the sharing and/or access to my private personal information. More so for assisting in the perpetration of a fraud. 
Case in question are : XXXX Credit Report Spring Oaks Capital LLC XXXX XXXX XXXX XXXX - XXXX. {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts are inaccurate, the balance status and date of payments are inaccurate. I have reported this to the bureaus, but I did not receive any response.

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