vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Today I received an automated phone call about my Amazon XXXX credit card. The automated voice said someone had charged a XXXX pro computer laptop to my card and they wanted me to push a button to connect with someone who could talk to me. 
The phone number was local to me XXXX and they called me at XXXX pm. I hung up the phone because I had not used my Amazon XXXX recently and I checked my account online and it was ok. I did not attempt to call the number back. 
This was a scam and I just wanted to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
In XXXX of 2022 we refinanced our mortgage with XXXX XXXX. Our previous mortgage lender lake view loan servicing sent our escrow balance to our previous address and wont correct their error for another 30 days. By that point it will have been 60 days since our loan has been paid off and that does not include the time it will take for the check to arrive. I have called them to correct this however, they refuse to resolve it any sooner.

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 2022-03-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I had trouble using my pin to temporarily unlock the credit freeze on my Experian account. I had the pin number, but in spite of repeated tries, the pin number wasn't being recognized. I made a total of XXXX phone calls to Experian to XXXX different phone numbers ( one given to me by the utility company and two that I found online ). Each time I was connected to an identical automated system. Sometimes the system did not recognize the numbers I entered on the keypad of my XXXX. Sometimes it did not recognize my voice. When I was able to get past the identification portion of the call, it sent me down an endless rabbit hole of automated options. When I asked to speak to an agent, it said it was " connecting to a XXXX '' and then began another round of automated options. I was never able to reach a live person. Finally on the third or fourth try, the website DID recognize my pin number ( which I was copying and pasting, not typing in, so it wasn't a question of my typing it incorrectly ) and let me temporarily unfreeze my account. 

It should be illegal for a company that exercises almost complete control over whether I can open accounts, move my utility services, etc., to make it impossible to reach a live 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 explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 
According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following inquiries are at issue : XXXX XXXX, XXXX XXXX, XXXX, XXXX CREDIT, XXXX, XXXX XXXX, XXXX MORTGAGE, 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 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-18 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: MS

Complaint narrative:
I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I called Caliber Home Loans because it was time for PMI Removal. I spoke with a representative that told me how to fill the form out for an exterior bpo and explained that I have to pay {$100.00} and I do not need to be present and I can be at work. I paid the money of {$100.00} which was cashed on XX/XX/2022. I called back 30days later and another representative told me that it will take 45 days for the process to complete and to be patient. I waited 45 days and sent an email to Caliber home loans in their secured portal. When I explained this and told them that I am coming to them for the third time in good faith and I would like the service that I paid for to be completed. After I sent them this message today, XX/XX/2022, they scrubbed the system and the emails can not be seen. You can see the subject line, but they made everything of our correspondence not accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Recently, I received a refund check in the amount of {$35.00} from Capital One, a refund of an overdraft fee charged to XXXX checking account now closed, account number not available. The account was closed in 2017, the remaining balance in the amount of {$4200.00} not received. I've since moved to new address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. In case check sent to prior address, it was not received. My prior address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Refund check was mailed to current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/22, I requested by phone Ally Bank transfer {$930.00} of interest from a High Yield 5-year CD to an account at another bank. I was told it would be done within 5 days. It never happened. 

On XX/XX/22, I called back, received an apology from employee XXXX and promised it would be taken care of that day and I would receive number showing it has taken place. I received reference # XXXX ; however, again nothing was done, no transfer. 

On XX/XX/22 I called for the 3rd time and requested a supervisor. I spoke with XXXX, who promised the transaction would be completed by the next day and that I would receive either a call or email confirming. I was not contacted and again nothing happened. 

I then called again on XX/XX/22 and spoke with XXXX ( from the Leadership Team ), who promised this would be immediately taken care of and I would be notified by the next day regarding the completion of transfer. Again, I have heard nothing, and no transfer has been started.

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 2022-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
i complained to XXXX about this is and now there telling me to go to the bank sop for this reason this is not a duplicate complaint. 

On XX/XX/2021 there was XXXX fraudulent transactions, on my Associated Bank statement from XXXX to XXXX XXXX There was XXXX of the same transactions XX/XX/2021, there was XXXX charges that said XXXX XXXX XXXX XXXX XXXX XX/XX/2021 there was XXXX charge from XXXX XXXX XXXX XXXX XXXX XX/XX/2021 there was XXXX charge from XXXX XXXX XXXX XXXX There was XXXX charges total. All these charges were facilitated from his device by him. I am alleging that this was fraudulent and unauthorized by me. I am asking XXXX to investigate this as a a a part of this complaint on there part. It looks I am out all of the money to begin with, the grand total would be all of it because it was coming from both accounts he was facilitating. The information I'm going to send is, my written list of the charges, and statements that Associated Bank had printed out. That XXXX account was totally comprised, it is something XXXX XXXX created. If XXXX is not aware of this they need to be aware of it. 
XXXX response is attached and explains to contact associated bank for further investigation and XXXX works with associated bank. I did contact XXXX XXXX they reached out to XXXX XXXX he lied to them. I am attaching the police report upon getting your written response to the CFPD complaint I will be taking XXXX to civil and or small claims court.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
I received a letter in the mail from First Horizon thanking me for establishing a new line of credit. I DID NOT APPLY FOR ANY LINE OF CREDIT. I called First Horizon and was told that the overdraft protection for my HELOC was being converted into a Line of Credit. I never had overdraft protection on my HELOC. First Horizon is fabricating a scenario to create Lines of Credit for its customers. 
First Horizon is also going the extra mile to make it as difficult for its customers to close the account by not allowing the account to be closed over the phone. 
This is the same banking fraud XXXX XXXX did to its customers a few years ago. Please stop this company and its fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my credit report today and noticed an inquiry from XXXX XXXX  XXXX  that I never made. It was requested on XX/XX/2021. I called the company at ( XXXX ) XXXX to inquire. they checked their system and stated they had no information about that inquiry.

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 2022-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Company Name : Freedom Mortgage Website : https : //www.freedommortgage.com/ Phone Number : XXXX Loan Number : XXXX Name : XXXX XXXX XXXX Before I start I should say that the last customer service person I spoke with a week ago told me he sees issues like mine everyday and that Freedom Mortgage abuses Veterans. 

I have been begging to get off Forbearance for over a year and a half. You can listen to my calls and Ive been kind and patient but have pleaded to get back to a standard payment. 

In which time I have had 3 modifications presented to me and then retracted because they were wrong. I always have to wait 6 months to have it completed. I made payments and have no clue where those payments went. I am promised phone calls and return calls and they never happen. However in the mean time XXXX racking up interest. I have escalated to XXXX XXXX ( the XXXX  ) twice and when I think I have found hope they quit calling. Each week I get a call from collections and no one has any clue whats going on with my loan. They each look and see that the escrow is wrong and my payment should be lower and all agree but nothing ever gets fixed. I finally modified last month for a {$2900.00} payment. When my XXXX payment was done they changed the payment to {$3900.00}. No one knows why as they can look in the system and see the escrow is wrong. Ive had people quote me rates that are wrong, Ive been asked to present a letter of credit from the day I closed which was over 2 years ago. They said they needed it for a VA audit. This has been the craziest saddest customer service experience issues ever and its obvious they want my house. They are forcing me into a payment that Ive said I cant afford. I paid the {$3900.00} last month to avoid a 30 day late but I cant keep doing that. Ive been in and out of XXXX for the last year and that on top of getting zero resolve on my mortgage is draining. There are customer service records on my from over a year and a half and every service person that reads my records stated thats no way to treat a Veteran and then adds they see this all the time. Can you please help me. Ive been patient, I send them what they ask, I have seen other companies on their medications work with fellow veterans I know and they made it so easy. Why is it taking me a year and a half. I have had two service people try to blame me for this because they refused to go back and see what all has transpired and the errors freedom mortgage made on my file and the two failed mod attempts where they messed up The escrow numbers. There is no reason to take my payment to {$3900.00}. Please please help me. 

XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas. 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 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following inquiries are at issue : XXXX XXXX, XXXX XXXX, XXXX, XXXX CREDIT, XXXX, XXXX XXXX, XXXX MORTGAGE, 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 2022-03-18 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: CA

Complaint narrative:
I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following inquiries are at issue : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, EQUIFAX MORTGAGE, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Novea Portfolio Management LLC
State: CA

Complaint narrative:
There is an item on my credit report that I am unclear on. It is showing that the creditor is XXXX and is reporting as a charge-off with a balance of {$0.00}. I disputed this account with the 3 major credit bureaus, XXXX, XXXX, and XXXX. I requested on various occasions that they investigate the item and provide me with details of their investigation. To date, I have never received a response from these bureaus, so I am still not clear as to what this item is. I decided to send dispute letters directly to XXXX. My first letter to them was dated XX/XX/XXXX and I asked to see the following items : * The complete original alleged promissory note that shows my signature * The account transaction history * Any required default or acceleration notices * The notice of sale document * The Calculation of Surplus or Deficiency letter * Any additional finance contracts including those related to insurance or finance products * The buyers guide * The purchase order * Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note I did not received any of these items. I received a response on XX/XX/XXXX and XX/XX/XXXX saying they did not conduct an investigation as they said they can not assist with the resolution. They stated Buyers Holding LLC is claiming to now own the debt and XXXX can not assist with any resolution. Therefore the account can not be verified as accurate reporting since it is still reporting as XXXX XXXX XXXX. This is my second time attempting to dispute this account as the CFPB has sent me a letter trying to also stall the removal of this account reporting on my report. I will submit my email address along with this complaint as requested by the CFPB. Please ensure this account is expeditiously removed from my report as it continues to damage my credit score.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: IN

Complaint narrative:
everytime i feel out a job application they go in and make it look like I've been convicted of these charges when in fact they are pending and the job application states have you been convicted which my answer is no and checker background deliberately deletes the word " charges pending '' off my report so it can look like I've been convicted already this is so wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
This debt was with a different company. I put a complaint through the cfpb before and it disappeared off my credit and now it is back as a collection with credence resource management. It says its from XXXX  which i have not used since 15 years ago. The account says active 2 months but this was originally saying XXXX of 2021. 

I called the company explained this was fraud. They would even call me and ask if I lived in Texas because that is where it occured. I gave them address I live in Virginia. 

I thought this was removed from my last complaint that I did through XXXX because it disappeared off my credit and now I show it now with a different account and as a collection. 

I never did any business with XXXX  in the last 15 years.

Company response to consumer: Closed with non-monetary relief