vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I sold my home in Florida on XX/XX/XXXX. After closing, I was due a refund in excess of {$2000.00} from my Mortgage lender, Caliber Home Loans. After not receiving the refund check by mail by XX/XX/XXXX, I called Caliber Home Loans and they informed me that my refund check was sent to the property I sold on XX/XX/XXXX and not to my forwarding address. I called the new homeowners of the property and they insisted nothing was ever sent addressed to me from Caliber Home Loans and have forwarded all mail received in my name in which none were a refund check. Either way, I gave XXXX my new address and was informed a new refund check will be issued and sent to my forwarding address and it should be received within XXXX weeks. After again not receiving a check by XX/XX/XXXX, I called Caliber Home Loans again and was told the new check request was never actually submitted. The XXXX representative told me she would fix the issue and submit the request for a new refund check and that unfortunately it will still be XXXX weeks before I received the check. It is now XX/XX/XXXX and XXXX weeks from that conversation and no check has been received. I called Caliber Home Loans again and was this time informed that for some reason, the request for a refund was closed out so a new request would have to be submitted and of course, we start the XXXX week process all over again just to call again in XXXX weeks and probably be informed of another issue with my refund. Caliber Home Loans has been awful to work with and its been almost XXXX  months since I sold my home with no escrow refund being received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: SIMMONS FIRST NATIONAL CORPORATION
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The SIMMONS BANK account with the account number XXXX was marked as Charge-off with an identified balance of {$9700.00} However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Date of Last Activity ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: TX

Complaint narrative:
I contacted the company about lower my interest rate to be in accordance with the Military Lending Act after I got my orders sent to me. I sent a copy of my orders to the company and they are refusing to lower my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I successfully refinanced my property with XXXX and paid off the outstanding debt owed to XXXX Mortgage. My first payment on the new term commenced on XX/XX/XXXX. I made two payments in XXXX towards my mortgage payment of {$1400.00} before the end of the month. Then in XX/XX/XXXX, I paid the full amount owed on the XXXX of XX/XX/XXXX to avoid a late payment. Since making my first full payment for XXXX and also XXXX I have not seen my mortgage payments reflect on my Experian credit report nor other credit reports. My DTI ( debt to income ) ratio has taken a big hit. In XX/XX/XXXX, I asked XXXX to place my account in forbearance due to XXXX XXXX XXXX which they verbally agreed over the phone on XX/XX/XXXX when I spoke with an agent named XXXX XXXX. XXXX has been looking for a way to repossess my property by negatively reporting or labeling the account as delinquent inspite of the fact that two additional payments were made towards covering my principal and interest in the amount of {$950.00} on XX/XX/XXXX and XX/XX/XXXX. These payments were made on my behalf by a XXXX program sponsored by my county for people affected by the pandemic. Furthermore, my account has a surplus payment as XXXX never refunded the difference of the amount it withheld for my XXXX property taxes. They erroneously overcharged my account twice for the same XXXX XXXX tax. I have made multiple inquiries with them and they keep saying that it is under review. They sent me the wrong forms for mortgage assistance which I understand ought to be completed only after a covid-19 forbearance elapses. By XX/XX/XXXX if they do not roll over the excess payments in my account to cover XXXX 's mortgage and/ or place my account in the COVID forbearance, it would negatively report as a delinquent account and this will harm my credit worthiness. XXXX is purposely doing to damage my credit and to find a devious way to possess my property if not stopped. I have never failed to make payments on my mortgage or been in this precarious situation.

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 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In chronological order of events : XXXX. Through my Bill payer service, I sent full pay-off amount of {$40.00} to Commenity Bank XXXX XX/XX/2021, which was XXXX days prior to the due date. XXXX sheet attached. 
XXXX. Commenity Bank alleged they did not receive payment for app XXXX weeks. I was charged a {$35.00} late fee plus {$2.00} interest, resulting in a new balance of {$77.00} XXXX. Sent my first letter, dated XX/XX/2021 which disputed the balance and late fees. Received no response. XXXX sheet attached. 
XXXX. I continued to receive monthly bills adding new late fees [ {$35.00} each month ] & interest each month. 
XXXX. I sent a XXXX letter, certified with return receipt, to Commenity Bank, which they received XX/XX/2021. I again disputed the entire balance. I provided a copy from my bank 's Bill Payer service documenting my payment of {$40.00} [ which paid off my account ] was sent on XX/XX/2021. 
XXXX and XXXX sheets show copies of the letter I certified with return receipt. 
XXXX sheet attached is a copy of my Bill Payer service printout. I use XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. Received a letter from Commenity Bank, dated XX/XX/2021 - they were researching my dispute of the charges and they requested XXXX days to research and respond to my allegations. 
XXXX sheet attached. 
XXXX. It has been over the legal allowable XXXX day time frame which Commenity Bank has to resolve a complaint. I am requesting intervention from XXXX XXXX XXXX XXXX to get this issue resolved. 
XXXX. The XXXX sheet I attached is my most recent bill, showing a balance of {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: FL

Complaint narrative:
Victim of identity theft

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 2022-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/XXXX I went to refinance my car in Golden 1 credit union. They run my credit and they approved my loan. They ask to send all the paper work so I did but in couple days I received a call saying that they change their mind because my social was a work social not permanent. I told them I felt discriminated for their actions because first they saw my credit that didnt start with the number XXXX like everyones but yet they run my credit told me I was approved and then they change their mind. Second I felt like they assumed that probably I would get deported some point on the process of the Loan. I never felt so low and unequal like this before. I understand they protecting their money but I know for a fact they wouldnt treat permanent citizens like 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 2022-02-14 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: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: Professional Service Bureau
State: MI

Complaint narrative:
The XXXX XXXX  appears to be a charge-off account with a specific balance of {$12000.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was not reported other Bureaus. As per FCRA, the XXXX and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

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 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
I made a deposit of 3 checks at the ATM of US Bank at the XXXX XXXX XXXX in XXXX, OH on Sunday XX/XX/2022. Check # XXXX, XXXX, and XXXX for a total deposit of {$1700.00}. The ATM was experiencing issues and the deposit was pending and then disappeared. US Bank re-deposited the checks however they were cashed during the first attempt so the second attempt was returned. I have been trying to get US Bank to correct the issue now for 3 weeks. I have sent proof that the checks were cashed successfully and the second attempt is what was returned but I keep getting the same response asking to reissue the checks. However XXXX the company who wrote the checks will not re-issue has they have proof they have been cashed.

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 2022-02-14 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: LA

Complaint narrative:
I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the FCRA and Fair credit and billing act. I have not heard back from Equifax. If they can not validate, please remove from my equifax credit report. The following accounts is what I am questing : Collections XXXX XXXX  Opened XXXX {$100.00} XXXX XXXX XXXX XXXX Opened XXXX {$140.00} XXXX  XXXX XXXX Opened XXXX {$570.00} XXXX XXXX XXXX Opened XXXX {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently received a copy of my Credit report and see that you are still providing inaccurate information. I previously disputed a Bankruptcy on my credit report and in response you verified the item as accurate stating it was verified with the court. When a consumer files Bankruptcy the document is under federal law not state law. A Bankruptcy in public records can only be used for information purposes only unless the court authorizes. Public court records are available to anyone and may be used for news publications, academic research, and non-profit organizations. They may not however be used for commercial purposes of any nature. Commercial purposes mean selling, giving, or furnishing to others. I have already confirmed with the courthouse and was made aware that the court does not report any information to you or any credit reporting agencies for that matter. I have also enclosed their response for your records. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with : FCRA 611 ( 15 U.S.C. 1681 I ) Privacy Act of 1974 Violation 5 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Conditions of Disclosure Cybersecurity Breaches of Government Computers and the information must be deleted immediately. Thank you for your prompt attention. I look forward to getting this resolved as soon as possible.

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 2022-02-14 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: SC

Complaint narrative:
I recently received a copy of my Credit report and see that you are still providing inaccurate information. I previously disputed a Bankruptcy on my credit report and in response you verified the item as accurate stating it was verified with the court. When a consumer files Bankruptcy the document is under federal law not state law. A Bankruptcy in public records can only be used for information purposes only unless the court authorizes. Public court records are available to anyone and may be used for news publications, academic research, and non-profit organizations. They may not however be used for commercial purposes of any nature. Commercial purposes mean selling, giving, or furnishing to others. I have already confirmed with the courthouse and was made aware that the court does not report any information to you or any credit reporting agencies for that matter. I have also enclosed their response for your records. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with : FCRA 611 ( 15 U.S.C. 1681 I ) Privacy Act of 1974 Violation 5 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Conditions of Disclosure Cybersecurity Breaches of Government Computers and the information must be deleted immediately. Thank you for your prompt attention. I look forward to getting this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: OH

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: OH

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-14 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: U.S. BANCORP
State: ND

Complaint narrative:
Sir/Ma'am, I have a US Bank XXXX XXXX with multiple promotional balances with 0 % APR. The oldest 0 % promotion balance ends XX/XX/XXXX. The two other promotional balances end XX/XX/XXXX. US Bank card services said that their system applies the payment automatically and that they are unable to override the system. They also stated that the XXXX promotional " balance transfer '' balances ( due XX/XX/XXXX ) take precedence over the promotional " purchases '' balance ( due XX/XX/XXXX ). I now find myself in a situation where I am being forced to pay off the larger, more recent balances, in order to pay the older balance prior the the promotional cutoff date. I would not have made the balance " transfers '' if I had known that it would bury the older promotional " purchase '' balance.

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 2022-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: OK

Complaint narrative:
I reviewed my credit report in XX/XX/2020 and found that I had an outstanding medical debt owed. I payed the debt in full. Subsequent checks of my report show that the debt was not paid in full and that there is still a charge that I do not owe. I have contacted Eastern Account System, Inc. via their contact page and received no response, nor has any correction been made to show that I have paid the debt in full.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
RPM ( Receivables Performance Management LLC ) has send a letter to my home regarding a debt from XXXX XXXX XXXX XXXX XXXX ( original debtor is XXXX XXXX XXXX ). that I do not owe. I lease a vehicle from XXXX years ago that I eventually returned. The lease was paid out of my XXXX earnings and vehicle was returned after a couple years with no issues. The original debtor never stated I had an unpaid balance because I did not. This debt is not valid nor accurate. The notice date of this debt is XX/XX/2022.

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 2022-02-14 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: CT

Complaint narrative:
On XX/XX/2020, XXXX ( XXXX ) illegal transactions were made on a Chase credit card Issued to me within a XXXX hour period in XXXX ( XXXX ) geographical locations ( XXXX XXXX  XXXX and XXXX ). The total amounts of the XXXX ( XXXX ) illegal transactions was {$430.00}. The Chase Fraud Dept was contacted and they responded by saying since the card was in the rightful card holders possession and they were in-store transactions with a chip card, they regarded the transactions valid. They were advised the rightful card holder did not make the transactions and produced surveillance video from XXXX ( XXXX ) merchants showing who made the transactions. Chase insists the transactions must have been valid because the rightful card holder had the card in his possession and it was made in-store with a card bearing the correct information. The rightful card holder was not in the location of XXXX ( XXXX ) of the transactions. The third ( XXXX ) illegal transaction was made in a store in XXXX shortly after the rightful card holder made a valid purchase at that store. The Chase Fraud Dept stated they did research into the complaint and rejected our response. They are holding us responsible for purchase we did not make and can prove it! Very frustrating! The Chase Fraud Dept has been forwarded all available information and records regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the XXXX and Fair credit and billing act. I have not heard back from TRANSUNION. If they can not validate, please remove from my TRANSUNION credit report. The following account is what I am questing : Collection XXXX & XXXX Opened XXXX {$140.00}

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