vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Freedom mortgage is my current loan servicer for a rental property I own. Their XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX ) reached out to me to reduce my rate. XXXX quoted me a rate and advised there would be no cost associated with that rate. As such I allowed him to continue with the application and pull credit. He later contacted me and stated that I would be charged basis points in order to be allowed that rate- not because of my credit score but because of the nature of the loan. This was never communicated to me. He never advised me that the rate he quoted me would or could have associated charges. He misled me into thinking I could get that rate assuming my credit score was as I quoted him. When I asked to speak with a manager to advise what had happened - the manager stated he should not have advised that the rate would not have associated fees. This misled me into a false understanding and I now have a hard inquiry on my credit that was completely unnecessary.

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 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Called XXXX XXXX about payoff of house loan around XX/XX/XXXX to XX/XX/XXXX, told them wanted to payoff loan. Talked to a man said it would be {$33000.00}. I asked if I needed to send a letter to confirm, He said no just send the money wire transfer by XX/XX/XXXX. I asked them to send me email. never got an email. 

I sent {$33000.00} on XXXX XXXX.called on XX/XX/XXXX to see if they received money as didnt show up on loan care web site. man told me it could take 4 or 5 days to get in the computer. 
I called on XX/XX/XXXX they said they tried to call me because I owed an additional {$140.00} of interest .I said what for they tried to tell me because I didnt pay it on XX/XX/XXXX .told me would have to send it by wire imediatly or would incur further charges. Then XXXX came back on phone and said it was going to be {$170.00}. ok I sent {$170.00} on XX/XX/08. So I am not happy as they either misinformed me, or lied to me. 

I got the paper work showing loan payed off .But now I cant get thru as they consider me as paid up so wont let me talk to any one I guess I think I should be reimbursed fpr XXXX plus {$30.00} wire transfer fee.

Automated phones wont let you talk to any one unless you want to make a payment.

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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have sent several disputes about collection XXXX XXXX XXXX has been re aged.

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 2021-06-29 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: MD

Complaint narrative:
XX/XX/2021 Keep receiving numerous call stating that suspicious charges were found on my credit card of {$14000.00} for a new XXXX  and want me to give them access to my email address and cell phone number to check back with me. The caller was information came from XXXX XXXX County and the phone number is XXXX XXXX. Contact my credit card company and was told nothing suspicious was showing on my account. They told me report this information to you because the company takes this serious and wants to protect their customers. I did not give out any personal information. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: FL

Complaint narrative:
The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- the list of accounts with full account number and open date are below Fraudulent accounts- 1.XXXX XXXX-open date XX/XX/XXXX 2.DPT ED/XXXX- open date XX/XX/XXXX 3.DPT ED/XXXX- open date XX/XX/XXXX 4.DPT ED/XXXX- open date XX/XX/XXXX 5.US DEPT ED- open date XX/XX/XXXX 6.XXXX original creditor-XXXX XXXX XXXX XXXX XXXX open date XX/XX/XXXX 7.XXXX XXXX XXXX open date XXXX XXXX 8.XXXX XXXX open date XXXX XXXX 9.XXXX original creditor-XXXX XXXX XXXX XXXX XXXXopen date XX/XX/XXXX FRAUDULENT INQUIRIES 1XXXX XXXX Date open XX/XX/XXXX 2.US SM BUS ADMIN ODA date open-XXXX XXXX, XXXX 3.XXXX date open-XXXX  XXXX XXXX FRAUDULENT ADDRESS 1.XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL,XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4.XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX FL XXXX FRAUDELENT NAME 1.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2021 around XXXX I received a text supposedly from the BOA fraud alert in which someone tried to XXXX themselves {$3100.00} from my bank! So I said NO Then someone from Bank of America Frauds department called, same exact number. Said someone tries to send money out of my XXXX app. I got suspicious so I hung up on him but then he called me from Bank of America official phone number. Then he said to recover the funds, I need to XXXX myself, my OWN phone number, the {$3100.00} and the Bank of America supervisor will refund it immediately and it'll go back into my account. The scammer said its because XXXX is a third party. Then after that happened I asked for his name again and he hung up on me. So I called the exact Bank of America frauds department number XXXX same exact number ) and they told me that they don't have a record of that call!! The calls were SPOOFED. So I filed a claim with Bank of America and XXXX and they BOTH said they'll get back to me within 10 days-90days but it's not guaranteed they can recover the {$3100.00}. The name on the XXXX was XXXX. 
It was unauthorized and fraudulent!! 
I also reported it to XXXX Police : Case number : XXXX I heard that XXXX was a third party from a BOA associate when I called to check on the status of my claim today XX/XX/2021 at 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 monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX of 2019 I opened a line of credit with GS bank usa. Apples new credit card. The card purposely did not come with the card number printed on it. 
This became an issue when I lost everything on my XXXX device. I have no history anywhere of this credit card and cant look it up because the card doesnt have a card number and cant look up my statements or transactions. I received no letters in the mail from this card company, no emails or anything to tell me I was past due or what I owed. There is no paper trail at all from them. I have called the card company and they said they didnt see that I owed anything, yet its still on my credit report that I owe {$1000.00}. Ive called the credit reporting companies and they told me to call the card company. 
Because of this issue with the card company I am unable to apply for a different credit card since they are reporting a balance due, yet I havent received any statement or any way to even verify the accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MEDICAL DATA SYSTEMS , INC . 
3 individual accounts on my credit profile.

1st Account : {$370.00} 2nd Account : {$230.00} 3rd Account : {$63.00} I have absolutely no knowledge about this account and has taken an extremely negative effect on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity XXXX  XXXX XXXX to XXXX XXXX Credit Card. never published the ending date of my promotional period. Called and emailed them on several occasions and was never given an answer. Received my bill this month with interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE Financial Services sent me to collections for a {$370.00} debt. They are quite incompetent & didnt have my current address on file & so I wasnt aware of the debt until it was already on my credit report. Once I took notice of this I called the company & I agreed to pay the debt & they agreed to take the account off of my credit report. A few days later the account was marked as paid but not taken off of my credit report. I called them back & was told in a very aggressive way that they would never do that for me. I asked to speak to supervisors & they never called me back. I disputed with my credit bureau & they still would not agree to take it off of my credit report. How am I supposed to be liable for an account for 7 years that I was not aware of? Not only are these tactics unethical, aggressive, & unfair, but they also disproportionately affect low-income households. I looked up CMRE reviews on the XXXX  & everyone else seems to feel the same way. This company holds people XXXX for medical debts & permanently ruins their credit while theyre already hurting. I have never seen a company this brazen & shady, even from debt collectors, ever before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent several disputes about XXXX XXXX XXXX reporting a different last activity date from other credit bureaus. A collection does not require age. I also asked for verification of a signed contract with my written signature for proof of debt. I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2018 my Bank of America account was closed due to actions that were not made by myself. From XXXX I have been a victim of identity theft. I believe the actions on this Bank of America account to be the actions of this. Identity theft has been reported and is on file for my name and social with all the correct agencies. That being said I ask that this reported information please be removed from my name ASAP. Thank 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 explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: PA

Complaint narrative:
Around XXXX, I started receiving notifications via email/voicemail from XXXX that I had a balance due on a student loan with them from disenrolling in the Pastry program there. I returned the phone calls and countless emails with multiple reps in the financial aid office and the admin offices and they couldnt find a account that was past due in any history and wasnt sure why I was still getting notifications. It escalated to the financial dean & the dean of the college and they said the account was fulfilled and nothing was due on my end of things and assured me nothing would go on my credit report and I do not owe any money since Ive paid what I needed previously. Fast forward to XXXX, I start receiving multiple hounding phone calls from multiple random numbers from ATG Credit regarding a past due balance of {$4200.00}. I explained to them that I do not owe this and I have no clue where this amount came up. Coincidentally, the amount coinsides with the amount back in XXXX that I kept receiving notifications for. I explained to ATG that I resolved this last year with the dean and the financial aid office and ATG explained that XXXX was the one that sent it to them. After the phone conversation, ATG was going to contact XXXX and resolve this. In XXXX, Ive gotten about 4-6 calls a day from ATG about collecting the amount and now on my credit report, ATG reported another amount of {$5000.00} and I never received anything in the mail for the past 2 years from ATG or XXXX. This has not only been an ongoing issue for 3+ years, in the middle of a pandemic, its not fair for ATG & XXXX to take advantage of a former student and to recoup any money theyve lost from the pandemic. I do not condone this action and request for it to be finally resolved after all this time because at this rate, I feel like I do have to take legal action if this isnt resolved. Putting in the request with CFPB is my last ditch effort to get it resolved at the consumer level.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On Friday, XX/XX/2021, I charged {$30.00} on my BankAmericard XXXX XXXX XXXX XXXX XXXX XXXX to add that amount to my New York XXXX XXXX XXXX XXXX XXXX subway ) XXXX  card. The transaction was approved and then processed on XX/XX/2021. 

However, on XX/XX/XXXX, the XXXX submitted another charge to that same credit card for another {$30.00}. This additional {$30.00} shows as a credit to my card and raises the balance due on my account. 

I called Bank of America to challenge the second charge. I was told by their representative that companies recharge cards to ensure that there are sufficient funds to cover the initial charge. And that the second {$30.00} charge will fall off in XXXX days. 
The first {$30.00} had already been approved and credited to my card XXXX days earlier. There is absolutely no reason for the XXXX to submit and the Bank of America to charge even if only temporary a second charge to my card.

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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake financial and the credit bureaus are all committing fraud. They are reporting late payments for a car that they claim they have in their possession. West lake and the credit bureaus are also claiming a repossession on my credit profile and are also reporting inaccurate late payments trying to portray to anyone viewing my credit that I have a car in my possession that I DO NOT have in my possession and this issue is causing me not to be able to obtain credit. Pursuant to GAAP ( generally accepted accounting principles ) westlake have to prove the money left their account if they gave me a loan like they claim they did. Why wouldnt they be able to do that? Because they didnt loan me anything!!!! Westlake would also be committing fraud if I gave them credit and they got a loan in my name ( fraud ) all support document of these claims will be attached. When an organization gets a loan in your name then creates and furnishes a deceptive form to make you think that you got a loan its fraud. In reality the consumer on only come for credit. In all actuality the promissory note was for westlake because they got the loan according to 12 usc1431 Also the credit bureaus took westlake financial off my reports then added it back without notifying me within 5 business days. According to FCRA ( a ) section 5 ( b ) ii they have to notify me within 5 days. 

Also they should take court case : Court Case : Eaglehart vs Gravens 281sw715.819.1 inti consideration It is inaccurate for Westlake and the 3 credit bureaus ( XXXX XXXX XXXX XXXX XXXX and XXXX ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that westlake and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile They also took it upon themselves to reage the account after reinserting it without me knowing

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 2021-06-29 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: OH

Complaint narrative:
There is an account with XXXX reporting on my name TransUnion account that is not mine. It says it is a joint account but I never opened nor authorized it. I asked everyone in my family and no one recognized it so it has to be a mistake or blatant fraud. I contacted XXXX and they said they would remove it, and I know they did because it was removed from my XXXX  and XXXX  reports. I contacted Transunion several times to follow up but they seem to be ignoring 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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have asked Experian for proof of validation for several items but instead I was sent a copy of my credit report. I demand that XXXX XXXX  XXXX in the amount of {$840.00} be immediately removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one credit card was missing, plus I moved to my XXXX house in XXXX, and XXXX I have paid it off, and credit repair but it is on there preventing me to own a home Kohls card wasnt remove after I paid them. 
I have no idea about XXXX XXXX  I already paid them. 
I dont owe no one of these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Proof of Federal Pell Grant as previously complaint stated in more detailed form.

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 2021-06-29 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: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
XXXX XXXX credit card was missing, plus I moved to my XXXX house in XXXX, and XXXX I have paid it off, and credit repair but it is on there preventing me to own a home XXXX card wasnt remove after I paid them. 
I have no idea about XXXX clinic I already paid them. 
I dont owe no one of these companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief