vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 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:
On XX/XX/2021, the credit reporting agency ( listed in this complaint ) was notified via letter the accounts listed ( in the letter ) were a result of identity theft. As per FTC guidelines, the required document was mailed to the credit reporting agency supporting my claim. The Identity Theft affidavit, copy of drivers licence, police report, and copy of credit report accompanied the letter. The letter that was sent stated I did not open nor did I authorize anyone to open a said account in my name. According to the FTC policy, after being notified of such an identity theft claim and proper documentation has been received, the credit reporting agency must remove and stop reporting inaccurate accounts within four days. As of today, the credit reporting agency has not made efforts to remove said account causing me great harm and has damaged my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I Consumer XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Navy Federal Credit Union made me purchase insurance separately. The finance charge is also supposed to include service to the vehicle but that didnt happen. Navy Federal also failed to inform me of my right to rescind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received an invoice for a Capital One Credit card that I never received nor activated. The card was sent out XX/XX/2015 and continues to add late fees onto the activation fee that I never received nor activated. I have wrote letter after letter and the company will not remove or review as I am doing the right thing. This is fraud and it is hurting my credit. I never received the card, I never made purchases which I have proof with the statements they send to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On the morning of XX/XX/2021 I tried to log into my account through mobile banking. The usual option to have a 2-factor-authentacation code messaged to my phone was unavailable and I was forced to call in. Unfortunately, the phone system was unable to give me a code. I then tried to sign in through a computer which would send a code to my phone messages, but after entering it the system would instantly log me out. I then attempted to contact customer service multiple times, but the online phone system is again not working and was unable to reach a representative. I have no way of accessing my account or getting help.

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 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or about XX/XX/XXXX - we submitted a mortgage refinance application with a chase home lending. Our current servicer. As of XX/XX/XXXX - all required documents were submitted and Chase required a {$500.00} good faith deposit. Indicating this was required to move forward and schedule an appraisal. The {$500.00} was charged to my XXXX. 

On. XX/XX/XXXX an appraisal was conducted at the subject property by a licensed appraiser hired by Chase directly. The report was furnished directly to Chase on or about XX/XX/XXXX. Since XX/XX/XXXX I have been requesting updates and requesting to see the completed appraisal to no avail. Only met with our processing team is reviewing At this point Chase Home lending is engaging in deceitful practices and not operating in good faith. The report has been in their possession for 10 or more days and they refuse to be transparent. The report can be reviewed, however, it is static and their only job is to upload. After several attempts at escalating Chase has failed to meet the consumers requirements and has established a trend of mistrust that seems to continually plague ( previous overdraft charge policy ) this organization and is creating consumer harm. Hey be delayed my processing and prevent me from pursuing other opportunities by holding funds and not acting in good faith. 

I also believe Chase Home Lending to be non-compliant in complaint logging and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: IL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX, I received a notification from XXXX XXXX that I had some hard inquiries on my XXXX and XXXX credit reports. I check both reports and discovered that I had 3 on XXXX ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) and 1 on XXXX dated for the XXXX of XXXX. I had not applied or requested any inquiries on my credit. I contacted the finanical institutions that I found numbers for and notified them. I was directed to file a claim with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: NV

Complaint narrative:
I moved out of my apartment on XX/XX/2021 and returned the keys to the office. I asked if there was any remaining balance, the office manager told me " no, you're all set. '' Yesterday I received a negative impact notice regarding my credit report. I never received a final bill from the apartment complex nor a bill from the collection agency. Through my own research I was able to obtain the collection agency 's information. I explained the situation to them but to no avail. I explained that I would be more than happy to pay the balance but don't feel that this should be reported negatively on my credit report since I was unaware there was a balance due and never received a bill stating there was a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We applied for a loan modification with our mortgage company on XX/XX/XXXX. For the past 8 months, we have spent countless hours calling and uploading the required documents. We have been assigned 2 different 'relationship managers ' during this time and never once have we spoken to the same person. Every time we have a different person and we can not get connected with the underwriting department. From XXXX we made repeated phone calls to resolve the conflicting information with one of my husband 's paystubs. We uploaded all documents and repeated ourselves numerous times. On XX/XX/XXXX we finally received a completed package notice. This is probably the 6 or 8th time since we first filed that we received the notice it was complete. On XX/XX/XXXX after almost 2 weeks of having a completed package notice, we then received another missing information notice informing us there was an issue with a paystub and to call. We called and again were informed of the same issue for which we thought it was resolved. We provide all updates and on XX/XX/XXXX we received another completed package notice. on XX/XX/XXXX another missing item notice was received, again related to my husband 's paystubs. Then again on XX/XX/XXXX we received a completed package notice. Now on XXXX after 90 days spent resolving 1 issue, they are requesting updated unemployment income. I am no longer unemployed and will be providing them with the required P & L for my XXXX XXXX. I lost my job as a result of my XXXX XXXX COVID19 layoffs. I spent a year and a half unemployed and we never missed a payment. We worked with SPS to participate in the COVID relief programs they offered and paid all our reduced payments and the balloon payment that was delayed. We have excellent credit ( 830+ ) and haven't defaulted on any loans. In fact, during this time we were able to payoff our second mortgage. All we want is a loan modification locking in a fixed rate. We're not looking to take out any equity which is approx. $ XXXX.It 's an incredibly stressful time as it is without having to go through all of this and to check online every single day to monitor the status of our loan. There is documentation of all that we have uploaded in their system which I can screenshot if needed. The calls are recorded. I'd ask that during your investigation you pull everything so you can see how compliant we have been and how we have taken every imaginable step to resolve this on our own with no success. We need help. Please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: NC

Complaint narrative:
i am a XXXX year old senior citizen. You have multiple accounts registered under my name with balances due. This is incorrect and needs to be removed as soon as you receive this communication from 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 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020 wire from friends XXXX XXXX XXXX  EDD of XXXX XXXX. 
US Bank accepted the transfer and then closed her account for Fraud Investigation which was negative and said they would return the money.

Could take up to 6 months even though EDD money was for hardship death of Mom. After many attempts to Branch and many letters was told 6 months up in in XXXX Went to branch in XXXX and was told that they could take as long as they want

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 2021-10-01 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have been paying Ally Financial for the last two months. And they have not sent any reports to the credit bureau saying that I have been paying thus off in collections. Every time I call they give me the run around. They told me the whole XXXX would have to be paid for them to report it to the Credit Bureau which I know is not true. Then they told me that I would have to call XXXX XXXX XXXX XXXX. I called them they told me that there not a collection agency that report to the credit bureau that I would have to call Ally Financial back. I have been getting the run around.

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 2021-10-01 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XXXX, I received a notification from XXXX XXXX that I had some hard inquiries on my XXXX and XXXX credit reports. I check both reports and discovered that I had 3 on XXXX ( 2 on XX/XX/XXXX and 1 on XX/XX/XXXX ) and 1 on XXXX dated for the XXXX of XXXX. I had not applied or requested any inquiries on my credit. I contacted the finanical institutions that I found numbers for and notified them. I was directed to file a claim with the FTC.

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 2021-10-01 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: Great American Finance Co
State: NC

Complaint narrative:
On XXXX, I received a notification from XXXX XXXX  that I had some hard inquiries on my XXXX and XXXX credit reports. I check both reports and discovered that I had 3 on XXXX ( 2 on XX/XX/XXXX and 1 on XX/XX/XXXX ) and 1 on XXXX dated for the XXXX of XXXX. I had not applied or requested any inquiries on my credit. I contacted the finanical institutions that I found numbers for and notified them. I was directed to file a claim with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: NC

Complaint narrative:
i am a XXXX year old XXXX XXXX. You have multiple accounts registered under my name with balances due. This is incorrect and needs to be removed as soon as you receive this communication from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frontline Asset Strategies, LLC
State: NC

Complaint narrative:
Calling about a debt that i don't owned and is not on my credit. Calling multiple times a week. Asking me for personal information like SS, Address, before that tell me when is calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
They decrease my limit because they say I didnt authorize payment so I had bank send multiple letters and they even was on phone with bank they said they pull my credit but my credit XXXX plus I have a freeze than they went back and call back and said could they pull I have been getting the run around multiple times and they have no just I am a buisness customer which this has cost my buisness tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My problem is with Band Of America. I discovered about 90 minutes ago, that I have been a victim of credit card fraud on my BOA business card. I immediately called the number on the back of the card, which upon first call said that due to high call volume, my call could not be taken at this time, and to call back later I called again, and was supposedly transferred to the fraud dept, but was actually put on hold for 16 minutes, and it did not seem like I really was on " hold '' because there was no music playing and no messages about hold time- just nothing but no sound at all. So next, I tried to log onto the website, and that would not let me on either. When I entered my usual info ( ID and password ) it would try to load ( a circle went around ) but then I would be thrown back to the sign in screen to start over, only to have the same experience! I tried another number on their website, which only led me to having to listen to an offer for a " free '' medical alert device, in which I have no interest. It never allows me to actually speak to a customer service representative! Bank of America is beginning to seem like one big fraud itself! Please help 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 monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I took an online loan out on XX/XX/21 which I was unaware when I applied for loan that you can't use a business acct for payday loans, when I arrived at the location to finish the loan, the store manager saw it was a business debit and stated that the business acct could not be used. He checked it out and realized that the acct had already been funded and he was not able to redact the loan. I told him I would make contact through 1-800 number and set up a new form of payment. When I tried to login to online account, my access was denied. I called customer service and they informed me that do to the circumstances w business account, they blocked my account and I would not be able to access it ever. I would have to make my payments in person at the local store. I explained that it was too far to drive and when they allowed me to have access to my loan, I would update payment information and we could finish doing business. They still haven't allowed this. I had money in the business acct for payroll and mortgage and out of nowhere, Speedy Cash ran my business debit for {$2100.00}. the loan was for {$1000.00}. My mortgage payment is processing and will be returned for insufficient funds and we are already at risk of going into foreclosure. They knew this was a business account and should have expected to be hurting someone financially if they are taking that much $ $ unannounced and unauthorized from a LLC Bank Account that someone might be expecting a paycheck today and wouldn't be getting it if they took the funds that were there for that purpose. They tried this once before and the payment was reversed so they knew they weren't allowed to do this. Yet they still did it anyway! This could cause us irreversible damage if our house note gets returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Recovery Services
State: IL

Complaint narrative:
The Doctor 's is Claiming and I don't know this doctor at all.

Company response to consumer: Closed with explanation