vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
3 years ago I had a charge off on my XXXX XXXX.I have been building my credit score up since then-As of Last Month my score was XXXX weeks ago I inquired about the XXXX charge off and the next thing I know I get an alert that my credit score decreased, It went from XXXX to XXXX because XXXX put a new report of charge off in the last week-I spent over 6 hours trying to talk to XXXX and was transferred and disconnected numerous times-I talked to supervisors, over 10-15 agents and even their Deceased department -- I can not get through to them to get this mistake fixed-They even had me down as dead.Now my report has dropped so far because of them I am ruined.I 'm XXXX XXXX XXXX and this is a death sentence to me... I can't get XXXX or XXXX to do anything.

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 2022-09-09 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: TX

Complaint narrative:
3 years ago I had a charge off on my XXXX XXXX have been building my credit score up since then-As of Last Month my score was XXXX weeks ago I inquired about the XXXX charge off and the next thing I know I get an alert that my credit score decreased, It went from XXXX to XXXX because XXXX put a new report of charge off in the last week-I spent over 6 hours trying to talk to XXXX and was transferred and disconnected numerous times-I talked to supervisors, over 10-15 agents and even their Deceased department -- I can not get through to them to get this mistake fixed-They even had me down as dead.Now my report has dropped so far because of them I am XXXX.I 'm XXXX XXXX XXXX and this is a death sentence to me... I can't get XXXX or XXXX to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Opened XXXX account. Made several phone payments that were returned company citing " wrong account. '' XXXX XXXX and myself both provided company with bank routing, checking account number, and account balance to show all information provided was correct. This still did not correct problem. Payments could not be made via phone or online services. Several calls were made back and forth to correct the problem myself providing all the information requested. Problem still happening. Bank recommends having my financial institution submit payment on my behalf. XXXX XXXX agrees. XXXX XXXX still encountered payment processing problems. After several attempts and persistence from XXXX XXXX, a payment was processed to bring the account to close. However, T D bank wants me to pay the late fees that have accumulated over time and have also reported the late payments to my credit report due to a problem that resulted from their company. I don't think this is fair practice. I shouldn't pay for error and lack of knowledge of their clerks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I was locked out of my account from rocket mortgage and not allowed to make any more monthly payments even though i was not in foreclosure. 
I called them several times and tried to get them to be honest and coordinate with the XXXX XXXX XXXX XXXX so that they could get my mortgage caught up. 
I was ready to resume my monthly payments, however, I could not I was informed by Rocket Mortgage Customer Service Personal that in order for me to begin my monthly payments again I would have to pay the balance of {$5500.00} in a wire transfer. 
I had a insurance payment that I used to do the wire transfer and resume my monthly payments however, by doing this and by me making the transfer the Mortgage company told me I had to make made me ineligible for the XXXX XXXX XXXXXXXX XXXX and now I am out of work again through no fault of my own AND my insurance company wants to do an inspection of the property. I am really at a complete loss. Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
We sold our house on XX/XX/2022. On XX/XX/2022 I received a call from LoanCare ( XXXX XXXX stating that the payoff for our house provided to XXXX XXXX XXXX in XXXX Texas was inaccurate. On XX/XX/2022 I received an email with a payoff for our mortgage that I had not requested. I contacted XXXX XXXX and spoke with XXXX XXXX who informed me that XXXX XXXX had made the request to receive the payoff via fax. She asked me to forward the payoff to her email- which I did. The payoff given on XX/XX/2022 ( which was good through XX/XX/XXXX ) by LoanCare listed a principal balance of {$160000.00} and an additional balance of {$8200.00} which was the down payment assistance we received through the FHA loan program. The call on XX/XX/2022 with XXXX from LoanCare stated that the payoff did not include the interest which was to be an estimated {$5600.00}. XXXX informed me that LoanCare could not accept the wire transfer from XXXX XXXX due to the payoff discrepancy. I contacted XXXX XXXX and spoke with XXXX XXXX. She spoke with her compliance department and called me stating that she had been directed to pay the original payoff given plus the additional {$5600.00}. She let me know that once this is done XXXX XXXX would send a judgment letter to myself and my husband to reimburse XXXX XXXX the {$5600.00}. 
When we spoke to LoanCare the week of XX/XX/2022 an employee confirmed that the payoff sent to us on XX/XX/XXXX was incorrect and the payoff XXXX provided which was good through XX/XX/XXXX was in fact the correct payoff statement. We were directed to the escalation department. They created a case number and told us this would be researched and we could reach out to them for updates on the case. We explained to them that since this payoff was generated by LoanCare they should accept responsibility for the inaccurate calculation and accept the payment from XXXX XXXX as satisfactory to pay off the mortgage. XXXX at XXXX XXXX told me that since the payoff was sent to my email I would be responsible. I reasoned with her that I did not request nor initiate sending the payoff to XXXX XXXX. LoanCare sent it to me by fault and XXXX at XXXX XXXX asked me to send it to her- not knowing that she should have made another request to LoanCare to receive it directly. Since the transcation has already taken place - the house has been sold and recorded with the state of Texas for XXXX weeks now, LoanCare should accept the payoff of the loan and the loss of interest and complete their portion of the transaction.

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 2022-09-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
A late payment appeared on my report. The lender verified by e-mail that this payment was never late and said they would report it correctly the following month. It never got reported correctly despite several communications and multiple responses that they would fix it. I'm not able to file a dispute directly with the reporting agency because there's already a dispute.

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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
my bank account was transferred unknowingly to the citizens bank from another bank. 
This bank charged me dormant fee at first. and I suddenly knew it at first So I set up the direct deposit to make sure the there is no dormant fee. 
However, I just found they also started charge the service monthly fee without known. 
My original bank has no fee at all. This is not the bank/bank account I was setting. 
the bank told me this is the paper delivery fee, but I was not noticed at all. Neither it is the default value. Neither it is what originally I set the account with another bank. 
I called the bank, and talked to customer service, agents /superviser, but they refused to refund the money back today. XX/XX/2006. the amount is only totally XXXX dollars though. 
This bank is a robbery. consumers should be aware and away from the bank. 
and this bank should be punished as well. 
A bank grabs accounts from other banks without notifying me and sends no information. 
It also kept charging all kinds of charges without notifying customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
On XX/XX/2022 I put an item for sale on XXXX XXXX. An interested buyer made a plan to pick it up and wanted to prepay using Zelle. He sent me {$550.00} to pay for the item. I got an email confirming payment but did not see it in Zelle and noticed that my debit card was not up to date and was incorrect. I had only used Zelle once before so I updated the card thinking it would then go through. The email said I needed the buyer to add an extra {$500.00} to verify my account and to then follow instructions to pay the {$500.00} back. I was so uncomfortable having an extra {$500.00} and he was pushing me saying there was a time limit that I followed the instructions. I then realized there was not a payment to me in Zelle at all because I received another email from Zelle and noticed the slight difference between the email senders, on being Zelle online and the other just Zelle. I called Zelle and they do not offer any protection but reported the scam. I called my bank and I cant dispute it because I authorized it. Both places said there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
The mortage thru PNC Bank in question was on a home we sold thru a realty listing XXXX XXXX, was paid in full thru a closing attorney, and we have all documents showing so. Approximately a month ago started receiving notices that our home owners insurance had lapsed, and PNC would be adding Insurance to the property. Contacted PNC, they showed a balance due of {$30000.00}, so it went downhill from there. Nobody has an explanation, after several phone calls including with managers, say they will get back with me. They claim they are working on it. In the meantime, I have received notices of {$4000.00} owed to the most recent of {$7000.00} owed. I have received calls from their collection department as well as they have turned info over to credit bureau. The closing attorney has been in contact with PNC and at this point to no avail. The story is much longer than this, bottom line is we do not own this property as it was sold, mortage loan paid in full, I have all documents proving so. Tired of being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE FIRM, INC., THE
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted the Mortgage Firm who then purchased our loan within 10 days of closing from another branch of The Mortgage Firm in XXXX, Fl. We closed on XX/XX/XXXX, with escrow being collected for both taxes and insurance. On XX/XX/XXXX, while in my online mortgage account I noticed that my mortgage had dropped down in the monthly billed amount of {$950.00} to {$850.00} with no explanation or documentation. Therefore, my escrow account is short with no explanation as to why after we have spent hours asking the mortgage firm questions. I called because in XXXX of XXXX my wife was notified that us nor is it listed in our loan portal. Now our mortgage payment just went back up again with no explanation as to why. We have a log of all of the Mortagage Firm staff that we have spoken with including today 's with the exception she refused to give me her name at the XXXX XXXX Fl XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I am the XXXX XXXXXXXX for a lady whos house burned down. Faye servicing refuses to release the insurance funds to start construction even though all required paperwork has been turned in. They have delayed the construction schedule over 2 months and are holding onto the funds causing higher additional living expenses and delaying construction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I went to a local JP Morgan bank here in XXXX XXXXXXXX XXXX At that time, we gave the bank officer money and he in turn gave us 3 Chase Cashiers Checks. On the Chase checks, the date was listed and it said that they were void after 7 years. On XX/XX/XXXX and XX/XX/XXXX, I deposited the checks into our checking account. All three checks have been returned, as there are no funds available concerning these checks. The checks are worthless. After having a case started and speaking with the branch manager and numerous people in the Escalation Dept, it was determined today that Chase declared the checks as unclaimed funds sometime in XXXX. I was told by a person called XXXX in the Internal Dept of Chase that she has no idea where the money went. She said it could be in XXXX XXXX, or possibly XXXX. She didn't know and it was my job to find it. She would also not tell me what city she was located in. 

At no time did I ever receive notification that my checks were useless as they state on the check that they are valid for 7 yrs. Can someone please help me locate my money, as a XXXX search produces no results for unclaimed funds under our names.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-09-09 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
*Repeated Reporting of late Payments* ( Closed inactive accounts ) XXXX XXXX  account closed XXXX XXXX  account Closed in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Since 2018, I have the XXXX XXXX XXXX and XXXX service, I put an account in collection that I did not even know existed, I never received letters, or calls, about this account and I have fought with XXXX to have this removed from my credit, they They let me know that my information was exposed in black marketing and I showed them with documents that I had served with another company and they do not want to take away that debit that is not mine, they do not have any information on the address where this service was used charging {$370.00} dollars

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 2022-09-09 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: NJ

Complaint narrative:
Upon checking my XXXX, Transunion, XXXX reports I found inaccurate and unauthorized inquiries. I have sent out dispute letters to aforementioned bureaus for them to investigate and have deleted. Please advise.

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 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
On XX/XX/2022, I received a letter in the mail from Convergent Outsourcing , Inc. in XXXX, XXXX, stating that I owed {$140.00} to XXXX, and after their failed attempts to collect, Convergent was now collecting my debt. I contacted Convergent and a representative told me I owed the debt and began to ask for personal information from me, specifically my XXXX account number ( former ) and my personal pin for that account. I ended the call without giving that information. I spoke to XXXX three times over the remainder of XXXX and confirmed when I closed my account with them in XXXX, I had no balance, and they have no communications trying to collect any amount from me ever. I submitted a formal request to dispute the debt with Convergent. A week after that, today, I called Convergent to confirm they received my dispute request. At that time they said they did and they had cancelled my debt and nothing further was needed. This appears to be a fraudulent attempt to collect 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 2022-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On or about XX/XX/XXXX I sent by certified mail to CSC Credit service Company about an alleged debt that they say I owed to CSC Credit service Company I have yet to get a response from them I informed them that my HIPPA, and my rights to Privacy had been violated under ( 5 U.S.C. 552a ) as well as 18 U.S. Code 894 Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participated in anyway, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or to attempt to collect any extension of credit, or ( 2 ) punish any person for the non repayment thereof SHALL be fined under this title or imprisoned not more than 20years, or both. 

They have reported this debt on my credit report and has caused me to not to get a house along with my insurance premiums going up. They have and are using EXTORTIONATE MEANS by damaging my name and credibility. And now their silence in this manner is Unacceptable. 

Ive asked for them to provide the following items Provide a copy of my signature with the provider to release my medical information to CSC Proved proof with a verified certificate of authority, and proof their company is licensed to collect debt in my state of Texas. Along with a license number and registered agent or agent of service. 

And lastly an affidavit signed under Penalty of Perjury that their organization has not violated any portion of the FCRA, FDCPA, HIPPA.

Company response to consumer: Closed with explanation