vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
When you build a home from the ground up in the State of Maryland there are two ( 2 ) sets of taxes you pay at closing. Land Tax and Dwelling Tax. Because the Dwelling Tax bills are never ready at closing, the mortgage companies often estimate how much your Dwelling Tax Bill will be and put that in your closing costs. For us, they estimated {$3900.00}. The Settlement Company holds onto that monies for up to 45 days after closing waiting on the Dwelling Tax Bill ( which they call a supplemental tax bill and which the state calls a Consolidated Tax Bill ). If by 45 days after close the bill isn't rec 'd the Settlement Company sends you the money back and advises you to hold on to the money for when the bill comes. 

We got the Dwelling Tax bill on XX/XX/2021. I submitted the bill and made an online escrow payment of {$3500.00} to AmeriHome and asked them to use the remainder of what was in my Escrow Account to pay for the tax bill which is a total of {$5500.00}. On XX/XX/2021, I put in a status inquiry and was told that I already paid the taxes at settlement. They confused the Land Tax with the Dwelling Tax. I submitted the bill again and told them to pay attention to the XX/XX/2021 due date and that I wouldn't have a due date on a bill if it wasn't due. Additionally, I reminded them if it was a tax statement would say this is a statement accounting and not a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2022-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is someone using my credit information to apply for multiple credit lines and it is placing hard inquiries on my credit report. 
These inquires do not belong to me ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ct XXXX XXXX ga XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nv 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 2022-01-10 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:
There is someone using my credit information to apply for multiple credit lines and it is placing hard inquiries on my credit report. 
These inquires do not belong to me ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX rXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: MN

Complaint narrative:
I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I recently opened a credit card with Capital One in XX/XX/2021. It is set up to autopay the full amount owed on the XXXX of every month. It's a XXXX Capital One card and I only use it for XXXX purchases because of the cash back reward. I used it for a few months without issue. I bought a TV with the card for XXXX, so my payment went from around $ XXXX to {$2000.00}. After that payment posted I repeatedly tried to use my card and was told the card had been declined and I had {$0.00} credit. The card has a {$3000.00} credit limit. The first time I called Capital One they told me there was a problem with the payment and they had sent a message to XXXX with no response. I called XXXX and they said, no, there was no communication and the funds had been debited by ACH and were in XXXX XXXX 's hands and immediately available. XXXX XXXX therefore lied to me. When I called again they said it was because the payment was higher than normal, and they did confirm that they had received and processed it, but that I wouldn't have access to my credit until the XXXX ( a week after payment had been made ). 
When I check my payment and credit accounts it shows the full payment has been debited from my Chase payment account to Capital One per the autopay settings, but when I call Capital One they said they put a " routine '' hold on the payment and won't release it for a few more days, due to the fact that my payment higher than normal. It shouldn't matter what the amount is, in my opinion. I've not exceeded my credit limit, the payment has been posted, Capital One has their cash. I'm almost XXXX XXXX XXXX, I've never had this happen before and have never heard of this, and my income is six figures, great credit score etc.. The funds are gone from my payment account, and Capital One acknowledges that they have received the funds, but they won't let me use credit. The attachments show the funds have been debited from my XXXX account and posted to the Capital One account.

What is going on here? This sounds like they are using the money for their own gains/use without letting me use credit. How is this legal? I have plenty of other credit to use but I find this extremely concerning. What if I were a lower income individual who needed the credit card to pay my bills? This could cause cascading injury to lower income people who rely on the credit card to survive and pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On or about XX/XX/2022, I observed an unauthorized transaction on my Wells Fargo checking account in the amount of {$7.00}. from " XXXX XXXX XXXX XXXX XXXX ''. It ALLEGED that I made the transaction on XX/XX/2022, however, I am inside my apartment and i NEVER left! On the same day, the amount was reversed in the same amount of {$7.00}. I cancelled my debit card immediately and requested a new debit card. I contacted Wells Fargo customer service and spoke to XXXX ( phonetic ) refused to provide last name and advised her of the same and I was issued a claim number. XXXX LEFT ME ON HOLD for over FIFTY minutes and counting! I would like to know who made this transaction, I want them held accountable and why was I left on hold with this VERY serious issue!

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 2022-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
CHASE CARD
XXXX XXXX XXXX XXXX XXXX
XXXX  HAS BEEN SENDING ME CHARGEOFF NOTICES IN THE AMOUNT OF XXXX THE CHARGEOFF HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX JPMCB auto finance placed a late payment on my consumer report without my consent. According to 15 USC 1681 ( b ) permissible purpose consumer report clearly states subject to subsection ( C ). Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom he relates. Based off the law of the FCRA 15 USC 1681D stated above this is by definition identity DEF. Ive been in contact with a supervisor XXXX employee ID number XXXX and advise him that their company is in clear violation under the FCRA into remove this late payment expeditiously. XXXX informed me on XX/XX/XXXX that he would be in contact with their credit department team to get this removed however this late payment should have never reported to my consumer report without my consent in the first place. In accordance with 15 USC 1681 ( a ) definitions ; rules of Construct ( 2 ) I ask collusions Dash exit as provided in paragraph ( 3 ) oh, the term consumer report does not include ( I ) Report containing information solely as two transactions or experiences between the consumer and the person making the report. Late payments is and transaction with the line of credit that was extended between the consumer ( me ) and the person ( Chase auto finance ) that is making the report. Congress clearly states that the report should not include transactions. This late payment being furnished on my consumer report has hindered me from getting optimal APR percentage rates and Ive been denied for credit extensions due to this late payment being furnished illegally without my consent. Which under 15 USC 1681 ( n ) civil liability for willful noncompliance ( b ) any person who obtains a consumer report from a consumer reporting agency under false pretense or normally without a permissible purpose shall be liable to the consumer reporting agency actual damages sustained by the consumer reporting agency of {$1000.00} per violation which ever is greater. I am holding JPMC be auto finance responsible for damage is sustained.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2021 I made a XXXX transfer of {$500.00} thru Bank of America to a friend XXXX XXXX XXXX who has account with XXXX Bank. About 20 minutes later I called my friend to confirm receipt but he said the money was not credited into his account even though the money was taken from my account by BOA. I immediately called BOA and informed them but they told me the money was sent to an account at XXXX but my friend said he had NEVER operated an account with XXXX. I suggested to the Bank officer that it is less than 30 minutes the transfer was made and that they should do something before the money fell into a wrong hands. After series of communications on phone they wrote me to say that they are investigating and that they sent the money to the right person. When I asked them to provide me with the name and the phone number of the person they sent the money to as registered by XXXX they could not. It is now going to 4 months since I have been asking BOA for my money but they did not care about my feelings hence my writing this letter to your organization. Attached herewith are 2 letters received from BOA on the issue, the profile of the true beneficiary of the money and letter i wrote to BOA in XXXX on the subject matter Thanks for your help and God bless.

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 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: MN

Complaint narrative:
" XXXX from Discover '' repeatedly calls to lower my interest rate. 

The most recent call came from XXXX on XX/XX/2022 at XXXX AM XXXX I keep asking to be removed from the call list and block the originating number. 

Calls continue to come from different numbers ; which I then block as well. 

My phone numbers are in the Do Not Call Registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase, a US publicly traded company put out information that they would support a snapshot based on XRP in XXXX of 2020. In this disclosure they didnt specify that it wouldnt only support the airdrop of $ XXXX, they merely claimed to support the snapshot. Later the company behind $ XXXX released a test token called $ XXXX based on the snapshot Coinbase claimed to support ; however no one has received these $ XXXX tokens from them. They have held them hostage and refuse to understand that their public disclosure indicates they supported the snapshot and therefor tokens distributed based on this snapshot https : //help.coinbase.com/en/coinbase/trading-and-funding/cryptocurrency-trading-pairs/Spark

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: LEXISNEXIS
State: OH

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I am really upset the credit bureaus have not responded back to me about my investigation. I sent a letters and it's more than 60days. I need this account deleted or updated. These are the items I demanding to be deleted immediately : Bankruptcy court name XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I recently closed my business account at the end of 2021 because I am closing my business. For tax reasons, I needed to have access to all of my transactions. I went online to access old accounts but it looks like once an account is closed, it completely disappears from my online vieweverything. I have called customer service for assistance and have gone into a branch and they are telling me there is nothing they can do to provide me with digital/paperless copies of statements or an XXXX XXXX of all the business transactions for the year. 

It would have been nice to have been notified at time of closing that I would be losing access to everything related to the account so that I could plan for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IA
XXXX   HAS BEEN SENDING ME CHARGEOFF NOTICES IN THE AMOUNT OF $XXXX. THE CHARGEOFF HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2022-01-10 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: IL

Complaint narrative:
I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
WELLS FARGO DEALER SVCS
XXXX XXXX XXXX XXXX, NC
XXXX
HAS BEEN SENDING ME COLLECTION NOTICES. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Added an offer to my American Express card that offered {$25.00} statement credit if card was used to procure a new XXXX 's XXXX membership. On XX/XX/2021, new membership subscription was acquired and charged {$45.00} to my American Express card. To date, the credit has not been posted to my American Express card, despite multiple attempts to rectify this with American Express customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I applied though XXXX for a job, and was offered to be a XXXX XXXX to a CEO. I was told my first task was to deposit a check for {$6200.00} and take the funds and disperse them to orphanage for a medical procedure. I did exactly what he asked cashed the check that was in my name, and send the money get money orders With the cash and send to the given address. I woke up to negative thousands of dollars in my account. I have called Wells Fargo to file. a claim immediately with police reports, emails, texts, the XXXX  application to show I was a victim of fraud/being stolen from. They would not even look at the police report, or talk to the detective, or look at my proof. They denied my claim and refused to give back the money that was stolen from me. The banks job is to put a hold on a check with large amounts of money, and idtenfiy a fraudulent check, They did not do that, They gave the cash right away without making sure the check would clear or was legit. I was truly under the impression I was hired to work as a remote assistant for someone and doing my job thinking this was for the greater good. I have emails, and job descriptions texts to show proof of this. I also filed police reports etc. This has impacted us greatly financially leaving us with our bank account drained.

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