vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: VA

Complaint narrative:
On XX/XX/XXXX of XXXX  I checked my credit report and found an collection account that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to Absolute Resolutions that same day. 

On XX/XX/XXXX of XXXX  I received a response from the company saying that an investigation was going to be done into the matter and in the meantime the account would be deleted from the credit reporting bureaus, that was never done. I never received any update or validation into this erroneous account. Instead, it remained on my credit reports and continued to lower my credit scores. 

On XX/XX/XXXX of XXXX  I sent a following up request into this matter directly to Absolute Resolutions. I let them know that it had been over 5 month since my initial request for validation and advised them that they had violated my consumer rights by having the account removed from my credit reports and by not validating the debt while continuing to report it. 

I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. They in response they sent me a letter stating that my request for validation was frivolous and irrelevant even though they never followed up their legal end of the deal. 

I am requesting for this account to be removed from all 3 of my credit profiles immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Action Collection Service
State: NH

Complaint narrative:
Repeated phone calls sometimes at inappropriate hours, leaving voicemails not identifying who they are or why they are calling. 
A XXXX search shows this number/company has been frequently reported and flagged. 
I am already receiving phone calls from a confirmed debt collector for the same medical debt. ( XXXX  )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have direct deposit and during covid was using extra help from XXXX apps and other quick pay apps and when my direct deposit hit my account ahows more than 7 charges of {$34.00} each on nsf fees called to have them reversed since I have direct deposit to cover the charge and they told me I have reached the maximum nsf reversals this is not fair I receive social security and an income from part time caregiving job to my elderly mom please help me Im always negative because thr nsf fees are too many and can not keep this way I have place not to authorize any transactions when account doesnt have enough and still negative

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
My unemployment card I have requested three times they told me the first two times it be in around two or three business day the first two cards arrived together through XXXX. I order the first card on XXXX XXXX then the second order of another card on XXXX XXXX they both arrived on the XXXX day XXXX. I order the third card on XXXX XXXX. Well since the first two cards I cancel them now today date is XXXX XXXX. My third card still has not arrived. I was on the phone with customer service and the young lady was being rude. Like it was not I asking about the third card. They have charges me three times when it's their fault. I feel someone or everyone is commiting fraud or trying for me to give up the funds to the debit card holder bank. I have bills to pay and am tired of them making too many excuses I have asks if they be able to transfer my money to my saving account they told me no. I feel they are able to do it but the refuses to do so. And the bank saving account is under my name and belongs to me the saving account. Am overwhelmed tired fedup stress out and just want to give up on life over this issues with this card debit card bank please help asap

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 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have paid this debt in full to XXXX XXXX XXXX even though it was not owed. This property team is a third-party company hired by my property manager. The property manager and the property team were in a legal dispute for years. I was caught in a little dispute and that was apply to my credit even though I did not owe this money.

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 2021-06-24 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: CA

Complaint narrative:
My credit report showed that my social security number has been fraudulently used by the following names : Other people that have used this Social Security Number : XXXX XXXX ; XXXX XXXX I have never lived at the following addresses that are reported on my credit report : XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX County

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: CA

Complaint narrative:
My credit report showed that my social security number has been fraudulently used by the following names : Other people that have used this Social Security Number : XXXX XXXX ; XXXX XXXX I have never lived at the following addresses that are reported on my credit report : XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA 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 non-monetary relief
Consumer complaint received 2021-06-24 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: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
Disputing 3 inquiries from XX/XX/21 XX/XX/21 XX/XX/21. From XXXX XXXX XXXX as unauthorized.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-24 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: NJ

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 2021-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There are 2 collection accounts on my credit report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case XXXX XXXX is attempting to collect as capital one bank and XXXX XXXX XXXX is attempting to collect as XXXX XXXX. 

These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My daughter and I have applied for a new Mortgage Loan for purchasing a house in the greater XXXX area from Quicken Loans. The pre-approval was quick. However, after we entered into a contract for a house, the problems started. The lender asked us to upload certain documents. The lender has a site where we have to upload the documents and we uploaded the documents that were asked for. However, it seems the lender keeps on losing the documents and asks for the same documents or new documents periodically. I have already asked them to give me a complete list of all the documents they need. We have also started emailing them the documents But, the request keeps on coming every few days. The information they are asking for can be obtained from other documents we have submitted. I am concerned that the lender is discriminating against us because we are XXXX  and employing delay tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ALL 3 " CRA '' FAIL TO SEND COPY UPON REQUEST IN WRITING OVER 45 DAYS AGO ... ID WAS ATTACHED WITH REQUEST LETTERS SENT ON XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The company offered to remove a late payment from XX/XX/2020. XX/XX/2020 is not showing 30 days late, XX/XX/2020 is showing 30 days late and it is the month that I am requesting to be corrected. I appreciate the CFPB 's efforts in attempting to resolve my dispute and this company 's ignoring the CARES Act. My concern that remains is the FICO score was XXXX at this time last year and is currently at XXXX, and went down to XXXX in XX/XX/2020 due to this company 's inaccurate reporting and failure to observe the laws established by the FCRA. The letter that the company provided is nice but it does not allow me to recoup my points. I attempted to consolidate my bills to get a lower interest rate and pay off all of my credit card debt but was denied due to late payments reporting that should not have been. This just seems like a vicious cycle. I am still looking for a reduced interest rate from this company since I was unable to get a credit union consolidation after I made the last payment on my car loan in XXXX, with a credit union that did follow the CARES Act and just recently mailed my title to me. I am asking for this company to cease this unscrupulous behavior and correct my credit report today. Otherwise, it looks like a FCRA case is in order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST
State: CA

Complaint narrative:
We paid the loan in full on XX/XX/2021 via cashier 's check which the teller assured me would be paid off forthwith. We received full credit for the payment that evening and the loan was cleared/listed as paid off. We called and asked about the title and were told it would take up to 10 days to receive. Called today, 14 days later and Bank of the West had not even bothered to notify the DMV to release the title to us. So NO ACTION has been taken by Bank of the West, It is clear that ONLY AFTER I REMINDED THEM again that we were looking for title did they " inform me '' that they will contact the DMV to Release title. Had I not called for a month, I'm sure they would not have acted until I reminded them. This is their job!!! I know for a fact the loan was listed as paid off and XXXX balance the day after I hand walked in the funds to Bank of the West. Each time they said they were taking care of it and in actuality, they did nothing. The vehicle has been sold, however, we can not satisfy that Buyer until we get the title. The Buyer has every right to return the vehicle to us and demand his money back!!! 

Bank of the West 's failure to act, its negligence, rudeness and utter lack of concern is aggravating. I've called several times and spent 10 minutes pressing buttons just to get to the right person whereupon that person put me on hold, then came back and hung up on me. 

We just want the title without a lot of run around by Bank of the West. It is just ridiculous.We 've only ever had one account with Bank of the West. We paid timely every month for 169 payments, no problems and this is how we are treated. Infuriating.

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 2021-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I met with a personal banker at Bank of America branch location XXXX XXXX, XXXX XXXX, FL to close my checking, savings, and credit card accounts. I paid XXXX dollars to close out my credit card. An annual recurring payment of XXXX dollars from XXXX was charged to the credit card I thought closed on XX/XX/XXXX. For 6 months, Bank of America failed to notify me that a late payment was outstanding. Bank of America failed to notify me the credit card was not closed due to this issue. Bank of America then failed to notify me the credit card was closed after the 6 months of 6 missed payments. 

In XXXX of XXXX, my wife and I purchased a new home. After performing a credit score check, I discovered there was an outstanding charge on the closed credit card bringing my credit score down to roughly XXXX. Bank of America has failed to disclose to me why I was not notified of this outstanding charge and has proven to be unhelpful in rectifying this error on their part. Due to their failure to notify me of an outstanding charge, I had to pay a total of XXXX dollars to settle the account. However, having recently purchased a new home, Bank of America 's failure to notify me of the outstanding charge will potentially result in future financial hardship on myself and my family such as a higher mortgage rate, car purchases, job potential, etc ... 

If Bank of America had notified me of the outstanding charge in a timely matter, The account would have been paid on time. The resulting negative impact on my credit score is putting my financial future in jeopardy.

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 2021-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
There are 2 collection accounts on my credit report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case XXXX XXXX is attempting to collect as XXXX  XXXX XXXX  and CKS PRIME INVESTMENTS is attempting to collect as XXXX XXXX.

These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information 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 2021-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
It is important to know that the home we lived in was scheduled for demolition giving us less than a month to vacate at the time. 
I had been working with First Citizens Bank ( XXXX XXXX ) to obtain a 15-year mortgage loan. During communications I specified on numerous occasions that I wanted a 15-year loan. ( Loan # XXXX ; for XXXX ) Two days before closing XX/XX/XXXX ) and the deadline to vacate our residence, I met briefly with Mr. XXXX to provide requested documents and inquired the amount of my monthly payment. Mr. XXXX informed me that my payment would be {$880.00} ( less escrow ) I ask Mr. XXXX how he had managed to get a payment that low on a 15-year loan? He informed me that it was a 30-year loan. I told Mr. XXXX that I did not want a 30-year loan that I had repeatedly requested a 15-year loan. Mr. XXXX told me that it would take at least three weeks to re-do the loan. He knew that I didnt have three weeks because I had to be out of the house by the XXXX of the following week. ( about 4 days- demolition on the house was already taking place. ) Mr. XXXX informed me not to worry that to wait a month or two and he would re-do the loan and that I would not be required to pay closing cost again. This never happened. 
I kept requesting a 15-year loan and First Citizens started the process at least 3 times XX/XX/XXXX ; XX/XX/XXXX ; and the third time I dont recall the date. 
I closed a second time in XX/XX/XXXX costing me approximately an additional {$6000.00} in closing cost. Plus my families future standard of living has been reduced due to paying elevated interest that I should not have hade to pay. This does not include the stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: PA

Complaint narrative:
I have contacted XXXX  XXXX  AND EQUIFAX on XX/XX/2021 to remove all information on my consumer report. As I did not grant permission to furnish any information on my consumer report. All I got was the run around. I have been restricted of living life due to identity theft, because I did not give consent to furnish a report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: PA

Complaint narrative:
I have contacted EXPERIAN XXXX  AND XXXX  on XX/XX/2021 to remove all information on my consumer report. As I did not grant permission to furnish any information on my consumer report. All I got was the run around. I have been restricted of living life due to identity theft, because I did not give consent to furnish a report in the first place.

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 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/21 - chase debit card was stolen. 
XXXX reported fraud on my account and requested that they restore any funds withdrawn from my account without my authorization. 
XXXX reported more fraud on my account and requested that they restore any funds withdrawn from my account without my authorization. 
XXXX reported even more fraud on my account and requested that they restore any funds withdrawn from my account without my authorization. 

XXXX No funds returned to my account. Account is locked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I started to complete online information about my property on or around XX/XX/2021, however, I did not submit it. However, the system recorded some of my information, and I was contacted by Quicken Loans. My hesitancy was that I did not want a HARD hit on my credit report since at the moment my property has no equity compared to its market value. Well, to my surprise a Quicken Loans agent contacted me, and explicitly communicated to him that I did want a hard hit on my credit report knowing the above information. The creditor 's agent, Quicken Loans assured that he would access my report with a Soft hit. My credit report was locked and it took a couple of days to unlock due to technical difficulties.To my dismay, and frustration I received my monthly XXXX report and it indicated a Hard hit on my credit report by Quicken Loans on XXXX XXXX. I contacted Quicken Loans and escalated the matter to which they replied it would take a few days to research. The representative contacted today Thursday XX/XX/2021 to inform that they could not remove it. I NEVER agreed to a Hard hit on my report I responded. He informed me there was nothing else he can do until it is escalated. This was a misrepresentation by the creditor 's agent in order to access my credit report, and afterwards tell me that I did not qualify for anything.

Company response to consumer: Closed with explanation