vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX I contacted Chase regarding a credit card letter I received in the mail asking me to confirm my information. I had originally applied for a business credit card on XX/XX/2022. When I called the representative asked me to confirm my Social Security number and during the call I received a notification about a credit inquiry from Chase on my XXXX credit report. I asked the employee on the phone why she had ran my credit without my consent. I immediately asked to speak to a supervisor demanding they reverse the credit inquiry as I had not authorized the credit check. She refused to help me and stated I had authorized them to check my credit when I had applied on XXXX XXXX. There was already a credit inquiry on XXXX XXXX and I did not authorize the credit check from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I have no knowledge nor do I have any agreements with MRS BPO LLC, XXXX XXXX XXXX. They have placed a collection account on my credit to all 3 credit bureau. They are located in New Jersey and I am located in Georgia. They are aware of XXXX XXXX being a CESTUI QUE VIE trust. That is who is who this CORPORATION is naming as the debtor. 

MRS BPO LLC, XXXX XXXX XXXX, knows that they are not mixing private women with a trust but according to FDCPA that is trust fraud saying the woman has responsibility for the trust. 

I need every FARA for every employee including the CEO XXXX XXXX, all insurance policies, for this CORPORATION, Carriers, information, Name, address, all employees of MRS BPO LLC and their policy worth, policy numbers, where located, and contact persons for each policy sent to my attention at XXXX.

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 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a credit card with Capital One. I paid the " balance '' in full on XXXX for XXXX XXXX payment was due on XX/XX/XXXX. I have received finance charges and late fees since then. The statements are deceptive and not clear. The " new balance '' on the following bill is not correct by the time the bill is received. The closing date is XX/XX/XXXX, a bill goes out the next day, and by the time the customer ever receives it via mail the " balance is already not correct. This is deceptive practices by any company that does this, the term balance should never be used if that's the case. This is a set up for perpetual fees and is not fair to any consumer. 

Based on regulations companies are required to follow. It needs to be obvious and not difficult to understand the rules. This practice of added FC after a bill is paid in full before the due date, based on the statement they have provided is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America is blocking all transactions involving Cyptocurrency. My card and agreement says it can be used in all places where XXXX is accepted. Bank of America should NOT be allowed to block my purchased because it doesn't like what I am purchasing.

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 2022-03-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-24 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: TN

Complaint narrative:
I'VE TRIED REACHING OUT TO THE BUREAUS LETTING THEM KNOW ABOUT THESES INACCURATE FINDINGS. THEY CONTINUE TO VIOLATE THE FCRA AND THE FDCPA. PLEASE SEE THE ATTACHMENT THE CREDIT REPORT SHOWING THE PROOF OF DELETIONS. 
PLEASE NOTE THAT I'VE ALSO REQUESTED THESE UNAUTHORIZED INQUIRIES TO REMOVE FROM THIS FILE. PER FCRA FOR INQUIRIES THAT I DIDN'T AUTHORIZE, MEANING THAT ARE NOT TIED TO ANY OPEN ACCOUNT. 616. CIVIL LIABILITY FOR A WILLFUL NONCOMPLIANCE 15 U.S.C 1681n. 
In the case of liabilty of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TN

Complaint narrative:
I'VE TRIED REACHING OUT TO THE BUREAUS LETTING THEM KNOW ABOUT THESES INACCURATE FINDINGS. THEY CONTINUE TO VIOLATE THE FCRA AND THE FDCPA. PLEASE SEE THE ATTACHMENT THE CREDIT REPORT SHOWING THE PROOF OF DELETIONS. 
PLEASE NOTE THAT I'VE ALSO REQUESTED THESE UNAUTHORIZED INQUIRIES TO REMOVE FROM THIS FILE. PER FCRA FOR INQUIRIES THAT I DIDN'T AUTHORIZE, MEANING THAT ARE NOT TIED TO ANY OPEN ACCOUNT. 616. CIVIL LIABILITY FOR A WILLFUL NONCOMPLIANCE 15 U.S.C 1681n. 
In the case of liabilty of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

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 2022-03-25 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: GA

Complaint narrative:
I've attempted to submit disputes through the mail for several different accounts that don't and never have belonged to me. There are fraudulent accounts from Credit cards to Auto loans that I never applied for. 
I've been trying to get these fraudulent accounts off my credit reports and off the original creditors for years now and they still appear. 
i need my name and credit restored to the accurate status immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Convergent Resources, Inc.
State: TN

Complaint narrative:
I spoke with Convergent Outsourcing ( Original Creditor XXXX ) about my account. I told them I would like to make a settlement offer contingent on it being deleted. I was told that if the account was paid at the settled amount that the account would be closed and removed from my credit report within 30 days. As of now, the account is still showing on my report. I have also disputed this account in the past, it was removed, and then added again. 

Additionally, XXXX successfully acquired XXXX as XXXX XX/XX/XXXX, becoming one company and the XXXX brand is officially no more. Since the company of XXXX is closed, this makes the account void. 

Account Info Account number XXXX Collection opened XX/XX/2020 Account type Collection Paid off : 100 %

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 2022-03-24 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: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
I emailed the company on XX/XX/22 to gain access to my own line portal account, to which I received an email back telling me to call them to make a payment or discuss my account as the payment portal was not working. On XX/XX/22 I emailed showing proof the car had been turned over to another company and paid off as of XX/XX/22. I received an email back from XXXX ( XXXX XXXX XXXX '' XXXX ) stating they would be reporting me as 30 days late on my account. I asked several times for proof and was never provided proof, they locked me out of the portal therefore I was no longer able to see my records. I have been requesting for a payment history all well and being denied this information. They call me daily and then hung up when I answer. I email and getting no response. As of XX/XX/22 this lender has now marked my XXXX Credit report 1 - 30 day late. I have NEVER been 30 days late with this company. 
I want proof this account has even been 30 days, because it has not and they know it has never been 30 days late. I paid bi-weekly on payments per my contract. 
The information being reported is stated : History : XX/XX/22 ; Late Dates : XXXX PER XXXX XXXX PAYMENT MADE XXXX/XXXX/202 NEXT PAYMENT DUE XXXX I have added all email communications with this company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: AZ

Complaint narrative:
I try to balance my Direct Express Govt debit card account weekly. 
Only today I went online to find that someone using a XXXX XXXX has recently deducted {$420.00} in the last six days ; Between XX/XX/2022 and today XX/XX/2022. There are three users listed with this XXXX XXXX two of them using the same web address.

Using this app people deduct small increments ( {$1.00} - {$2.00} ) numerous times over two or three days. Then they change the username on the app. 
I immediately file disputes and have canceled the card requesting a new one. 
Information : 1. XXXX XXXX XXXX XXXX  FL UNITED STATES OF AMERICA . 2. XXXX XXXX XXXX XXXX  FL USA . 3. XXXX XXXX XXXX  XXXX CA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
My name is XXXX XXXX and I am personally submitting this compliant on Medicredit XXXX XXXX XXXX. I received a letter from Medicredi stating I owed a balance with them. I sent them certified mail correspondence that included Validation of debt letter, Affidavit of Truth, and a Cease and Desist. They received this correspondence on XX/XX/2021. This debt collector has continue to ignore my cease and desist, they have yet to respond to the AOT. Fair Credit Billing Act & Tila laws allows me to question a balance and have the debt proven to me. This recent statement is threatening to ruin my credit reputation and harassing calls has caused severe XXXX upon me. I do not validate or verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Parkway Financial Group, LLC
State: TN

Complaint narrative:
I applied for PMI ( private mortgage insurance ) removal through my loan servicer Midwestern loan at the beginning of XX/XX/2022. On the XXXX of XXXX I was informed that my loan was being transferred to Inspire Home Loans Inc . I contacted Midwestern Home loans to expedite my PMI removal request and got it granted on XX/XX/XXXX by Midwestern loans. My loan was transferred and Inspire now tells me that I still must pay PMI until they approve that it has been removed. I have a email from Midwestern saying that the PMI should be removed from XXXX XXXX. I have a email from Inspire that they approve PMI to be removed as well. 

Currently, my payment still reflects that I must pay PMI. Inspire is doing a " investigation by the PMI team '' and is telling me that I must pay my mortgage with PMI until the PMI team is finished it's study on XX/XX/XXXX. If I do not pay my mortgage with PMI by the XXXX, I have been threatened ( over the phone ) to have this reflected on my credit. I have no promise I will get my PMI for XXXX or XXXX back, I am just stuck paying an extra {$220.00} for two months as they drag this out even though I have already been approved twice. 

Here I am, like a sucker paying PMI to avoid them coming after my credit score. Avoid Inspire, they will threaten you when tell them they are charging the wrong amount.

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 2022-03-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XXXX, I contacted a loan company by the name of XXXX XXXX XXXX to help me buy my car. I gave all my information and they fumbled the paperwork. Lease ended and they encouraged me to get new lease buyout packages. I kept sending paperwork, and the leasing company took my car. I finally get a loan company XXXX XXXX XXXX XXXX ) to give me the money to buy it out. But said I had to get a purchase order from dealership. 

When I go to dealership, they wont release purchase order because they have to check the car first. I cant get the car checked because the car is in a repo towing yard nearby. 

I call leasing company to release car for me to buy it properly and they refuse to until I pay it off. 

So i essence Im stuck because theyre all putting roadblocks with each other for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a secured credit card through BB & T which is now truist. I got this to repair my credit. I haven't used it since XX/XX/2021 and when I did use it, I used it for only gas and therapy. Then suddenly I see in a text that I have a balance of XXXX and there were about 15 more transactions that got declined when I checked what it was about. I've called the bank several times and have gotten the run around each time telling me things will be resolved in 3-5 business days and that was XX/XX/XXXX and it is now XX/XX/XXXX. I still don't have a new card, still have a pending balance and each time I call I have to wait at least thirty minutes before I speak to someone. Either their systems are down or I have to be transferred to another department just to get hung up on or lied to telling me it's getting taken care of.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX : Saw the online offer for the Chase Freedom XXXX card, which included a {$200.00} statement credit after {$500.00} spend, along with a 5 % cashback on groceries for the first in the first year. ( An additional bonus separate the quarterly rotating categories ) Went in-branch to apply for the card, where the banker noted that in addition to the grocery offer, I would receive a {$250.00} bonus for applying in person. 

XX/XX/XXXX XXXX : Noticed the 5 % sign-up bonus was not showing on the card statement, despite already having received the {$250.00} bonus. Called in to Chase, where the representative assured me that the bonus was correctly attached to my account, and that I would see it in my next statement. The representative likely misunderstood and assumed I was referring to the quarterly rotating cateogry. 

XX/XX/XXXX XXXX : Called in again when noticing the sign-up bonus was not showing on the card statement. Representative says will escalate, and will receive in a response soon. 

XX/XX/XXXX : Received online notice that Chase would not be honoring the bonus. 

XX/XX/XXXX XXXX : Met with Chase banker who originally helped me apply for the card, who said that he would escalate to his manager, and promised he would call me back in the coming week. Never received that call or follow-up, so scheduled a meeting with the banker again the next week. 

XX/XX/XXXX XXXX : Met with Chase banker again, along with his manager, and was told for the first time that the {$250.00} in-branch offer excluded the promotional grocery offer shown online, and that they would not retroactively apply the offer that was originally promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AR

Complaint narrative:
My current loan is being serviced by Primary Residential Mortgage ( PRMI ) ( since XX/XX/XXXX ). XXXX XXXX is the lender. 
My statements consistently get to me late each month, just before the due date. Example, for a XX/XX/XXXX due date I received the statement XX/XX/XXXX. This has been the pattern since inception of the loan. I have not been assessed late fees because there is a grace period until the XXXX of each month. 
I have spoken PRMI and was basically told nothing would be done to get my statements to me any sooner in the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
I am trying to get my 2021 records for an account that was closed in XXXX with TD Bank accoun XXXX. I have called their main customer service who told me to call the branch. The branch told me they're having problems getting the documents and are not returning my phone calls. 
1. No 2021 tax document was ever sent.

2. I can not access the account online and was told the only way I could do this is to reopen it- which is extortion in my opinion.

3. The bank does not seem to have access to my records and can not send them to me.

4. Customer service is unable/unwilling to help me.

5. Local branch does not return phone calls though they understand the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK

Complaint narrative:
I opened a business account with East West Bank in the first half of XXXX. The account received several remittances from the United States in XXXX and XX/XX/XXXX. All remittances were deposited into this account, and then in XX/XX/XXXX East West Bank emailed me to inform me of several remittances that the sender believed to have received fraudulent requests for refunds. My account was frozen and I received an email from East West Bank in XX/XX/XXXX describing that the funds would be refunded to the sender if I could not provide further evidence. I have some documents but the bank does not accept the documents as fully compliant.

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 2022-03-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2022 I 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. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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