vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 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: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Medical office keeps indicating that I have a new bill that I dont owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Access Receivables of NC Inc.
State: MD

Complaint narrative:
This is another complaint being opened against access XXXX XXXX and the I will keep complaining about them because they were caught in a lie in a previous complaint. They were reporting that I owed {$2500.00} to the credit bureaus although XXXXXXXX XXXX took care of the balance internally. The company responded that the balance was for {$1700.00}. For the past 4 years they have been reporting the same balance of {$2500.00} and verifying with the credit bureaus that this amount was correct. Today they admitted the balance was {$1700.00} which is what Ive disputed several times and they refused fo update which is a violation of FCRA. I have pulled multiple versions of my credit report and the amount has always said {$2500.00} which was inaccurate. They even reported in XX/XX/XXXX that I paid them directly {$2500.00} which now has re-aged the date of last activity on my credit reports. There should have been any update of date of last activity because theres no activity on a collection account with a XXXX Balance! I have attached the previous CFPB complaint that shows the inconsistency of them never properly verifying the debt. I have proof of payment from the university directly. They said the pay off date reflected as XX/XX/XXXX and per the attached credit report from XXXX XXXX, the balance pay off date reflects XX/XX/XXXX. I asked them to provide the actual contract between XXXX and their company but they refused. XXXXXXXX XXXX provided the proof of our agreement but I do not have anything from this collection company. They have not properly validated the debt and have lied about their attempts to do so to the credit bureaus. if this isnt deleted off my report. Immediately, I will submit this entire file to a lawyer. 

They also never provided me with my initial 30 Days to validate the debt letter. This should have never ended up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was leasing a XXXX but decided to purchase it with a loan from Chase Auto back in XX/XX/XXXX. Registration for my car was due in XX/XX/XXXX yet I never received a renewal notice. Upon contacting the CA DMV they stated that Chase Auto incorrectly submitted title paperwork back in XX/XX/XXXX and that it was rejected the same day. No attempt was made to remedy the error on their behalf. I was unaware of the situation till XX/XX/XXXX and I have been calling Chase Auto weekly in order to try and get the problem resolved since I can not legally drive my car. Unfortunately there is no direct number for the department in charge of titling and DMV paperwork and each time I call I just keep hearing Oh theres no update on your account but a manager is working on it and it has been expedited. As of now the DMV states that no one from Chase has submitted anything at all which leaves me in the exact same situation since I can not register my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On or about XX/XX/2021, I was in check out self serve line at Sam ' s Club when clerk there approached me asking if I wanted to update my card. Informed her I had recently renewed membership and obtained special benefits. But she assured me it was different and no credit check, just accepting additional benefits at no charge. Again I warned her no credit check, right? I had her input information and she said someone would contact me. Today, XX/XX/2021 when opening mail from late Saturday. It is denial letter from Sam 's for credit product!

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 2021-08-23 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: TX

Complaint narrative:
LOST MY INFORMATION MONTHS AGO. 
I HAVENT HEARD BACK FROM ANYONE.

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 2021-08-23 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: TX

Complaint narrative:
LOST MY INFORMATION MONTHS AGO. 
I HAVENT HEARD BACK FROM ANYONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Me and my wife have been Bank of America customers for over 25 years and have maintained both checking and savings accounts with the bank. Throughout this period our loan applications were either denied or not even responded to despite our proof of income and excellent credit ratings. 
We have never been able to successfully get a loan with the bank, despite the relationship and yet we could get loans from other banks that we have little or no relationship

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 2021-08-23 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: NC

Complaint narrative:
My student loan account for XXXX XXXX is showing multiple late payments when it shouldn't. I sent all 3 credit bureaus proof of all my forbearance dates and they are still reporting late. There should be no late payments on this account at all.

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 2021-08-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My student loan account for XXXX XXXX is showing multiple late payments when it shouldn't. I sent all 3 credit bureaus proof of all my forbearance dates and they are still reporting late. There should be no late payments on this account at all.

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 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SLM CORPORATION
State: NY

Complaint narrative:
This bank is terrible evil they closed my account and refuse to send hilling statement for the amount owed their ruining my life credit history by not sending me statements to my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have a Uber credit card with Barclays. The issuer is reducing the benefits of the card and I would like to close this card. But I can not redeem the rewards I have earned on the card. There is no option on the bank 's website to redeem the points. The bank customer service asked me to call XXXX, but XXXX has no phone number.

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 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: PA

Complaint narrative:
Two representatives from First Credit Services called me on two different dates. XXXX XXXX called me on XX/XX/2021 at approximately XXXX XXXX  eastern time and XXXX ( last name unknown ) called me on XX/XX/2021 at approximately XXXX XXXX eastern time. Both individuals confirmed the call is being recorded for training purposes. Not only did they call me repeatedly, but there was abusive language, no consent directly from me to contact me, and they called me at my place of business since I am an XXXX XXXX with an XXXX business. There are more details in my attached letters. The company has yet to respond to my two letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: SC

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC
State: OH

Complaint narrative:
I am getting daily phone calls from different numbers stating " You have an important message from XXXX  ( Cedars? ) [ hard to tell from message ] business services. This is a message from a debt collector. Please do not delete this message until you have called us back. XXXX '' [ number that called me is different each time but the message is the same ; call back number also changes ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Re-investigate the information shown in this account or delete this account information from my credit report, because I believe it may be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
XX/XX/2021 I had several hard inquiries show up on my credit report that I had no knowledge of. And I would like to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: MI

Complaint narrative:
I have sent several certified letters to get charged-offs and collection accounts deleted due to factual information submitted to the credit reporting agency from my name being incorrect, address incorrect, date of last activity different on all three bureaus, account numbers different and more. They did nothing but sent letters stating that the information was verified. I even sent a method of verification letter and I did not get a response to that from anyone. Therefore, I have no choice but to go this route to see if I can get some type of results.

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 2021-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I would like to be able to scan in documents regarding this situation. 
TD Bank does promotions but they do not carry them out, in my opinion that is fraud on the consumer. They take your money and then they use it but do not do what they said in their promotion. I have sent a letter to the CEO of TD Bank in the US on XX/XX/XXXXplenty of time to get back to me. 
On XX/XX/XXXX, I walked into a TD Bank because of a promotion TD Bank was promoting. Deposit money in a new account and in 90-120 days we will add {$300.00} to your account. That has not happened. The person who opened the account was a vice-presient by the name of XXXX XXXX certainly she should have known what she was doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
LAST WARNING BEFORE LEGAL ACTION. Wells Fargo 's response to last complain ( case # XXXX ) DID NOT address my attachment so I am submitting it again. 

Please see my UCC Filing Search Results Report RE-ATTACHED from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

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 2021-08-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX I spoke to Wells Fargo with questions about my existing HELOC home loan and during the conversation, the Wells Fargo staff person revealed to me that my loan was a rare " XXXX XXXX. '' I asked what a " XXXX '' loan was, since when the loan was originated in 2006, no one ever mentioned this term or since explained that I had been given this type of " rare '' loan, which calculates the interest rate in a way that I pay more than even the 9.14 percent interest rate. Wells Fargo did not explain to me why I was given this " rare '' higher interest rate product, and even though I filed a complaint with Wells Fargo in XXXX or XXXX, and they answered me in writing in XXXX, I still have no adequate explanation. 

Last week my husband and I visited a Wells Fargo branch in XXXX and spoke to staff about financial set backs we have had since Covid, and although our loan is current, we asked the bank to reduce our over 9 percent interest rate ( calculated daily or XXXX  ) and although we have good credit we were not given an option to have our interest rate reduced without an expensive refinance process, which would only increase our debt, overall. This home that is mortgaged is in a predominantly working class XXXX American neighborhood. I want to know what research is available as to how many XXXX were given rare " XXXX '' loans, versus XXXX, or homes in predominantly XXXX neighborhoods in XXXX. I want my interest rate reduced without refinancing to help with the financial setbacks we have had since Covid, and since my husband 's job is our main source of income and he is in the XXXX industry, I want to shore up our finances for what may be another storm coming. I want Wells Fargo to pay me back all the extra interest I was charged under the " XXXX '' terms, that were never explained to me when the loan was originated. I believe the " XXXX '' terms were exploitative.

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 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited {$240000.00} into the account and withdrew {$200.00} on XX/XX/2021. There is {$230000.00} for me, but Chase has denied me from withdrawing the money. According to XXXX the account closed, but that is fraud. The Chase branch manager of the XXXX XXXX XXXX, XXXX XXXX, CA XXXX location did not return my check. I have asked for my money, but I am being hindered by Chase. I spoke with Chase Claims Department to get my money. I was transferred to the Collections Department and spoke with XXXX Unique ID # XXXX. XXXX claims that the check did not cash, but this is fraud. I have the receipt as proof. The receipt is prima facie evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2021, I received an email from Marcus congratulating me for a new CD account. I called Marcus customer support immediately as I had an old CD account expiring in XXXX and I do not wish to have a new CD. The agent informed me that I was 3 days too late and the CD has already been automatically renewed into a new CD with uncompetitive interest rate under the terms and conditions when I opened the old CD account. I told Marcus that there was insufficient disclosure from Marcus when the old CD was expiring in XX/XX/2021 that it would get automatically rolled into a new account, and this is clearly a UDAAP violation to deceive customers into opening a new account without informed consent. After escalating to customer support manager, I was told that Marcus considered that it was sufficient for them to only include this clause in their terms and conditions when I first opened the CD account a year ago and they did not need to disclose it at the time of CD expiration. I was told by customer support that I would be charged ~ {$19.00} early withdrawal penalty. I consented on the phone of account closure and told them that I disagreed with this fee and would file a CFPB complaint for insufficient disclosure and fees by Marcus on automatic renewal. In addition, Marcus also did not send me any receipt of the early withdrawal penalty it charged my account as the CD account disappeared from its website after closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I have a conventional loan with Caliber Home Loan. I have never been late or missed a payment. I began the process of refinance around XX/XX/XXXX. I submitted proof of income, 6 months in reserve using savings & retirement ( XXXX & Deferred comp ). 

I spoke with 2 loan officers. 1 stated, I needed a PMI, 2nd officer stated I would not qualify for a refinance that would include paying off the 1 credit card balance ( XXXX ) I received a conditional letter of approval for an amount that I latter found out was for a refinance w/o out paying off the credit card, and the new monthly payments would only be a {$50.00} savings. Neither loan offers was aware that I received the conditional letter. 

This is not my first mortgage experience with this organization, but this has been the Worst. Both officers provided contradictory responses. 

I have been told that because my house value was not high enough over $ XXXX ) that I do not qualify because of my XXXX debt which is XXXX in under a Administrative forbearance. 

I submitted proof that when the Administrative Forbearance is over my payments will not be 1 % of the loan ( $ XXXX ). My payment have Never been {$940.00}, I have always applied for a IDR. 

This complaint is being written because of the confusion. When I initially applied for the refinance, it was because I received an email stating that there would be no lending fees.

Company response to consumer: Closed with explanation