vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
We refinanced our mortgage back on XX/XX/XXXX with XXXX XXXX. The loan services than was switched to US Bank. The school taxes on this property were due by XX/XX/XXXX. When the loan closed, they collected 13 months of school taxes that went into the escrow account. The loan was Transferred to US bank prior to the first payment date of XX/XX/XXXX and with that, all of the escrow money was transferred to US bank to pay the taxes. 
At the end of XXXX, we received a delinquent tax notice with a penalty of over {$700.00}. They never paid the taxes since XXXX and I started reaching out to the tax department starting XXXX. I spoke with a XXXX, XXXX, XXXX, XXXX on the phone and emailed the tax department multiple times and they never responded by email. On the phone I was told on four separate occasions that a manager would call me and my husband back and they never did. I was told a check was mailed on the XXXX but they could give me no confirmation. This has been going on for a month until finally today I called again sat on the phone for almost 2 hours because I refused to accept a callback because I knew it was a lie. Finally a XXXX who said she was a supervisor in tax escalation told me that she too could not give me any proof of payment and it was paid on the XX/XX/XXXX. She then placed me on hold again and sent me over to customer service for some reason saying they could give me proof. The customer service rep I finally reached a XXXX who said he could only give me a copy of our mortgage statement that the escrow didnt not have the money any longer. I asked him if he could give a check number or wire transfer confirmation and he informed me that she was the only person who had that information. He then called her back and after waiting another 30 minutes he told me that XXXX had the information and just didnt give it to me. He said she told him the check was post dated for XX/XX/XXXX and mailed even though they had been telling me all month it was already mailed. She lied to me or avoided my phone calls. So now they said a check was mailed the XXXX, I still have no proof and if the taxes are not paid by Friday we will have a lien placed against the property for taxes that were already paid to the bank. The bank Employees in the tax department have purposefully miss lead me through the entire month of XXXX as they still did not pay my taxes. I am at a loss for what to do at this point. 
Thank you for looking into this! I greatly appreciate any help! 
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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for a new credit card, and was turned down. I was told to check my credit rating. I found XXXX on line, and discovered that my XXXX XXXX CHASE credit card, held by JPMChase Bank, had reported that I was 60 days in arrears in XX/XX/XXXX on my account. I contacted AMAZON, learned that my AUDIBLE account was the source of fraudulent charges to that account. After identifying the fraud, AUDIBLE refunded my card in the amount of {$230.00}. I called the credit card company ( JPMCB ) to report the fraudulent use of my card and requested a new card. I asked to have the arrears claim omitted from my account. They told me to file a dispute report with XXXX, which I did. 
While the charges have been removed from my account, my JMPCB account still shows delinquency from XX/XX/XXXX. 
When I spoke with a representative at XXXX, I was advised by to file a claim with you ( FTC ) against JMPCB. 
That website sent me to you. 
I have attached a letter from AUDIBLE refunding my money for the fraudulent charges. 
Please help me clear my name. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: FL

Complaint narrative:
I recently became aware that someone has been using my social security number to open checking accounts, lines of credit and car loans. There has been multiple applications to companies i am not associated with and the amount of inquires on my report are starting to hurt my score. 

XX/XX/XXXX XXXX XXXX SER 12 READS WAY XXXX XXXX, DEXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GAXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SXXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX XXXX, MN 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 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA

Complaint narrative:
For approximately one week I've received daily calls from Wakefield and Associates, XXXX and XXXX. I've asked to be put on their do not call list and told them I don't have any debts that are in collection or behind in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: GA

Complaint narrative:
Went to bank of America to open checking account ( XXXX ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. Bank of America stole my personal info and over 5 months later behind my back reported me to XXXX XXXX  that I had committed fraud. XXXX XXXX then sided with the fraudulent bank branch and put my name in XXXX XXXX for " suspected fraud '' after reviewing info from bank of America showing the transactions of " {$0.00} monetary loss ''. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, XXXX XXXX  continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by 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 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank has implemented a new online banking system following the merger with Suntrust and BB & T which is far less customer service driven and is very inefficient and cumbersome to use. I have attempted to resolove this issue with the online Chat feature through Truist on 2 occassions, both attempts with open chat for well over an hour with ZERO updates or response. Additionally, I called the 800 Customer Service number and sometime after the 45 minute hold time, the line went dead. 
the changee I need to get a copy of a check that was cleared on XX/XX/21 but the " new '' Truist system will not show images of checks after 60 days. The 'old ' Suntrust online app would let you go back more than 12 months. 
From what I have been able to gather with XXXX searches and online complaints, the only way to get the check is to make a request, pay {$5.00} and wait XXXX days for it to be mailed to you. 
Since banks no longer return processed checks for record keeping and filing as in the past, they have always allowed you to access your account and print checks you need for more than 12 months. I am able to do with with my Regions, XXXX XXXX and XXXX. 
In fact, XXXX includes a page of your check images for the statement period. 

My issue with TRUIST is that they have deminished the customer online access and functionality so that they can generate more funds with ridiculous charges for services and that they have EXCESSIVE ( more than an hour ) wait times to recieve a response through chat or the customer service phone line.

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 2022-01-05 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: PA

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

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 2022-01-05 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I responded to a free offer from BestBuy for a free consultation to get better wifi in my home. They charged me {$99.00} from my credit card for the appointment to make sure i would be there. The day of the appointment I received a call and a gentleman that wanted to know exactly what kind of wifi hookup I wanted. I told him I didn't want a hookup I wanted a better signal. He shows up ; we had a brief consultation, He exited and told me that I should not be charged for the visit but if it goes through he could get the {$99.00} removed if I purchased the one year contract for installation of an echo systerm. Once back at the store he informs me that they do not have it in stock. There are two websites up at present time that BestBuy is running promos on that are false and misleading. The one I responded to is for a free consultation the other is 1C. Neither is free if they don't take the deposite down and you get hooked into paying what was offered for free. Its on the same principal as TXXXX  Find anyone for free until you get a bill for a subscription service. Totally bogus and this store should be prosecuted.

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 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp
State: FL

Complaint narrative:
On XX/XX/2021 I closed my account with lending clubXXXX XXXX  However I had a {$500.00} transfer from my XXXX  account going into this account According to XXXX XXXX they said they would reject my funds and it would be going back into my XXXX  account. I have filed a case with XXXX  and XXXX bank and both banks claim they dont have my {$500.00} transfer which shows it left XXXX XXXX into XXXX  but no where to be found I provided XXXX  XXXX  with a Web ID number XXXX It was transferred over to XXXX XXXX account XXXX There is no way two major banks lose {$500.00} I need this investigated immediately and my {$500.00} returned

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( 1 minute ago ) to me I hereby give you official notice that I have been subject to your company 's improper management of my private information, which has been distributed to parties unknown to me, for profit, without my consent or breached by malicious hackers. Being that I have the inalienable right to 100 % control and protect my private information, I am hereby proclaiming that your company no longer has the right to right to use my private information in anyway unless you get consent from me by calling XXXX or emailing me at XXXX. 

YOUR COMPANY NO LONGER HAS THE PERMISION TO PARTICIPATE IN THE FOLLOWING ACTIVITIES WITHOUT CONTACTING ME VIA EMAIL OR PHONE FIRST : 1.Storing and Furnishing my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX. 
2.Using, supplying OR updating my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX XXXX 
3.Selling my information without paying me first and calling me at XXXX or emailing me at XXXX I demand all on the grounds that all of my information is private and inherently belongs to me with all rights reserved by me, to me and me only. I repeat you must contact me before DOING ANYTHING with my private information at XXXX or emailing me at XXXX XXXX 

Also, I resend/void all consent for you to use my information I any way, rather its written, spoken, or implied, given unknowingly/knowingly, from me. If you claim that your company has such claimed consent, I contest that such was granted unknowing and/or I did not fully understand the terms and I was not issued full/clear/intelligible disclosure of such. Such a method of gaining consent is unscrupulous and fraudulent in nature ; hence I challenge the grounds in which you use to gather such illusive " consent '' from un expecting consumers as myself. 

I demand a report of all information that you have on me and a list of parties who you have furnished such information too without my consent.

I will not furnish you with an address because I do not have one ; as I am currently XXXX and XXXX. If you try to force me to produce an address to correspond with me or allow access my information, please be advised that such is discrimination against a XXXX and XXXX person, and I will immediately report such. Company policy does not supersede rights and protection laws. My contact information is XXXX or emailing me at XXXX. This is all I have and all you will get. 

Attached is Identification to Verify my Identity : Military ID : Front and Back Passport Social Security Card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX the XXXX 2021 a company called XXXX XXXX XXXX ( XXXX ) and another company called Lobel Financial ( XXXX ) acquired my credit report WITHOUT my permission. I did not apply for any loan from them. I tried to call them but received no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I opened this account in XX/XX/XXXX. I closed this account due to the constant fees that it has and the small balance. 
I called in XXXX to close this account and have the fees credited back to me. I was assured that by paying the {$140.00} This would take care of the balance that the account is closed and they they would let the credit companies know that the derogatory credit will be corrected. 
I received a statement saying that I now owe XXXX due on XXXX XXXX, XXXX! 
I once again called to explain that this has been closed and if they go back and listen to the call that all of this was taken care of and that I don't owe this money, and that they need to also correct my trade lines. XXXX ( the manager ) told me that he will get back with me after he listens to the call MAYBE by XX/XX/XXXX. 
I would appreciate attention to this, I have worked hard to keep my credit scores up and this has sunk me. It doesn't seem like they plan to do anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Franklin Collection Service, Inc.
State: KY

Complaint narrative:
I receive phone calls from Franklin Service , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Phone : XXXX They call repeatedly but do not leave a voice mail, when I do answer, I have asked them on no less than 4 occasions to send me the information in writing as I do not believe I owe this debt. Each time they confirm but do not send the information and continue to call. I've asked repeatedly for more information, but they do not provide that information, instead calling repeatedly, leaving no voicemail, call after XXXX and ignore my wishes for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank Of America XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX The bank debit from my savings account the Amount of {$160.00} Without my consent and with any reason. 

Spent 5 days calling the bank customer service with no answers about this debit, actually they don't know why the bank is making this debit nor offering any solution about the stolen money. 

Keep calling them with no answers and no refund. The bank is steeling my money. I really need help on this. 

Thanks a lot advanced.

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 2022-01-05 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: NH

Complaint narrative:
Hello, I received XXXX HARD INQUIRIES on my credit report that were NOT authorized by myself in writing,, nor did I provide any permissions to have my credit pulled on XXXX individual dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

I have NOT applied for aany products from 'XXXX XXXX ' thru " XXXX XXXX Bank XXXX XXXX Ive attached the snapshot from my credit report that articulates these fraudulent requests I need to have these removed from Equifax XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation