vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had 2 Citibank credit cards. I was paying on them on time and never 30 past due. XXXX of the cards had $ XXXX balance and the other one has about {$1000.00}. 

I flip houses- and was getting ready to refinance the flip I incurred these bills on. During the flip - they closed the {$11000.00} one for NO GOOD REASON. I was paying on time. This tanked my credit score XXXX points. Now as I am trying to refinance my loan on this flip- they closed my other {$1000.00} one - and they were still getting their money before 30 day past due. This last closure- for no good reason tanked my credit score another XXXX points. 

I was in the middle of refinancing out of the construction loan to more favorable terms so I can pay my bills OFF and honor my debts when CITI closed my second acct - therefore I lost the refinance. All this EVEN WHEN IN GOOD FAITH I WAS PAYING MY BILLS ON TIME.. 

Now because I can not refinance - I might lose that house because of CITIBANK. 

Have I reached out to CITI? I have spent hours upon hours on the phone getting switched to this person and that, getting hung up on, filling out on line forms for help and answers- even setting up a face to face zoom with a so-called XXXX manager. I WAS ABLE TO SPEAK TO NO ONE. The face to face meeting I had set up never called me. 

I need answers regarding how this type of service ( or lack of ) can exist in the United States. I want to know how this company can indiscriminately close my accounts. Aren't there any protections for consumers? I also want my accounts reinstated and my credit fixed. I have suffered a great deal, to the point of not being able to feed my family to keep my credit rating intact and to pay my bills. I was getting ready to pay off those cards- and now due to their indiscriminate actions I may have to file bankruptcy.

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 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
INSURANCE & TAXES FOR XXXX TOTALED {$3300.00} NOT {$4800.00} INSURANCE & TAXES FOR XXXX TOTALED {$3200.00} NOT {$4100.00} ESCROW ANALYSIS FOR XXXX & XXXX ARE WRONG BY THOUSANDS MAKING MY PAYMENT MORE THEN IT SHOULD BE!!!! 
my {$890.00} mtg payment carried over from XXXX  XX/XX/XXXX should NOT change until the new Insurance policy took effect XX/XX/XXXX. What is a bankruptcy payment and all fees? Escrow should have {$1400.00} carried over from XXXX  where did it go? 
Enclosed is the Escrow disbursement from SPS CLEARLY THE NUMBERS HAVE NOT BEEN UPDATED TO REFLECT MY POLICIES... WHY? 
I have talked with first key who owns my mtg and they too have reached out with no resolution. My insurance company XXXX contacted SPS XX/XX/XXXX on my behalf to request the analysis be corrected for XXXX & XXXX, and UPDATE new policy for XXXX date and price ... SPS REFUESED TO PROVIDE ANY INFORMATION!!! WHY?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BMO Harris is providing its customers an interest rate lower that what they advertise in their marketing. 


I opened a savings account on XX/XX/2023 with BMO Harris that advertised an interest rate of 4.20 %. 

https : //www.bmoharris.com/main/personal/onlinesavingsaccount/? XXXX Once the account was opened on XX/XX/2023 I was informed via my account profile on BMO Harris ' website that the interest rate is 4.114 %. 

Following the instructions in the Product Disclosure I called BMO Harris at XXXX to learn the current interest rates for the account on XX/XX/2023. The employee on the phone confirmed that the advertised interest rate was 4.20 % and that the interest rate on my account is 4.114 %. 

They were unable to provide additional details about the current interest rates or clarify any additional terms or conditions of the current interest rate. 

https : //www.bmoharris.com/pdf/disclosures/BMO_Harris_Online_Savings_reg_dd.pdf

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 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
XXXX Apartments charged me {$9000.00} for an apartment I didnt reside in in XXXX. It is XXXX and Im still being affected by this. I called and left emails to let them know and they failed at answering my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XXXX XXXX XXXX  to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-03 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Fraudulent credit inquiry ( someone attempted to get a credit card or credit ) with my personal information.

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was contacted by an UMB Bank representative the middle of XXXX XXXX and was shown a flyer expressing several cash incentives that would be given to me if several steps were taken when opening a new account.

All of the steps have been met on my side, but I have yet to receive a {$200.00} cash incentive for providing UMB bank a copy of my most recent CC statement. The CC statement was provided when I opened the account and UMB Bank has ackowledged receipt of the statement.

I have communicated several times with the representative and XXXX XXXX with UMB Bank in XXXX XXXX  and have been told repeatedly there is nothing they can to. I would like the {$200.00} incentive to be deposited into my checking account as outlined in their marketing materials and promised by the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03 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: World Acceptance Corporation
State: GA

Complaint narrative:
On my credit report World Finance has a account which has 2 different account number and balances Information is not the same Like its 2 separate accounts which one is the right amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Parag
raph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.

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 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I, XXXX XXXX, consumer, have come to the understanding that ARS Accounting Resolution Services is in violation of my rights to privacy. ( see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: E MORTGAGE MANAGEMENT, LLC
State: MA

Complaint narrative:
XXXX is engaging in deceptive practices to stop their customers from removing PMI from their mortgages. I have well over 22 % equity in my house and they are forcing me to pay for a Broker Priced Opinion to remove the PMI. 

I was sent a letter in the mail stating that I need to fill out the form, which they did not put in the envelope or call their customer care team. I called the customer care team to pay for the XXXX ( {$150.00} ) and the customer care team member tried to tell me that I can't pay for it over the phone. I read the person the letter that tells me to call them to process the payment and eventually she did. 

This is my second attempt at having PMI removed from my mortgage by this company and they are using every shady practice they can think of to stop me and others like me from getting the PMI removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I applied for a mortgage with XXXX XXXX. When they pulled my credit report from Experian, they released my contact information and the fact that I had applied for a mortgage to many many other brokers. I have received 60-70 unsolicited calls. It is harassment to the highest degree and I did not authorize any release of information.

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC
State: WI

Complaint narrative:
Installed the dave app but uninstalled it as soon as I seen it wasn't free, now they are debiting my account every month and refuse to stop. I have never received a product or service fron them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
KLS Financial Services is reporting medical debt to all three credit bureaus in the amount of {$290.00}. According to XXXX - Consumer Protection for Medical Debt Collections Act This bill restricts the inclusion of medical debt on a consumer credit report less then {$500.00}. I sent XXXX a Validation letter on XX/XX/2022 asking them to validate the debt. They sent me back my original bill and what XXXX XXXX I received. This is also a HIPPA violation because I didn't sign a medical release of my information to be shared with a third party. Furthermore, they were asked to provide their license information showing that they were authorized to collect a debt in the state of XXXX XXXX They did not provide that information. I went on https : XXXX to verify if they were authorized to collect the debt in XXXX XXXX and it showed that they are not licensed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal closed XXXX of our members ATM card. I made a new complaint through their resolution center which I specifically stated that I was disputing the charge and that the card was NOT LOST AND NO ONE WAS GIVEN THE PIN. 

Now he is once again stuck with NO MONEY in the middle of NO MANS LAND. 

***Since this is a matter that involves discrimination ALL COMMUNICATIONS ARE TO BE IN WRITING TO THE ADDRESS LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  THIS ACCOUNT SHOULD BE CLOSED BUT IT STILL OPEN

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 2023-02-03 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: Atlanticus Services Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX I made a payment of {$60.00} and accidentally made a XXXX payment on XX/XX/XXXX. I reported it on XX/XX/XXXX and they told me a check was sent out on XX/XX/XXXX. I never received the check. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
My mortgage was transferred from Amerihome mortgage to XXXX XXXX XXXX XXXX  Payments were sent to Amerihome for XXXX XXXX XXXX XXXX, and XXXX Amerihome transferred the XXXX payment to XXXX in XXXX. The other 4 payments for 4 months have not been transferred. I have made several attempts to contact Amerihome to have the funds transferred to the XXXX and no one will assist me with this matter. In the meantime the funds are with Amerihome and it is not being credited to my account properly. Amerihome has a responsibility to account for all funds and transfer those funds immediately to XXXX. Amerihome has egregiously mishandled my mortgage payments and they refuse to assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: OH

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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