vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 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:
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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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:
On XXXX XXXX, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: DISCOVER BANK
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
This notice is to inform you that Discover Financial Services is unlawfully reporting a Charged-off item on my Consumer Report. The IRS states that for amounts of {$600.00} or more, the Creditor must issue a 1099C ( which is a cancellation of debt ) and which the consumer must file with their tax return as earned income. Said 1099C was issued by Discover Financial Svcs to me and I filed it with my tax returns as earned income. 

Income is not reported on Consumer Reports. So I do not see why this item is still being reported on my Consumer Report when it was already reported as income on my Tax Return and I paid on it. It can not be both ways ... .it 's either a Charge-off or " Taxable Income '' According to FCRA, anything that is incorrect must be deleted from my Consumer Report. The Fair Credit Reporting Act of 1970 requires reporting agencies or creditors to follow reasonable procedures to assure maximum possible accuracy of consumer reports, 15 U.S.C. section 1681 e ( b ), and imposes liability on [ a ] ny person who willfully fails to comply with any requirement [ of the Act ] with respect to any individual, section 1681n ( a ). I spoke with an Account Manager this morning and asked for the item to be removed and she refused. 

I am requesting that Discover Financial Svcs initiates the deletion of the erroneous item from my Consumer file with all credit reporting agencies such as XXXX, XXXX, XXXX and any other credit reporting agencies. 

Thank you for your immediate attention to this important request. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX XXXX : XXXX SS : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

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 2021-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Want to file complaint against XXXX, XXXX and TransUnion. These companies are not complying with their own policies in a timely manner. All XXXX companies were contacted on XX/XX/XXXX in regards to the following discrepancies. Also TransUnion was contacted on XX/XX/XXXX. In addition to complying in timely manner, Violations of the CARES Act occurred during XXXX. On XXXX XXXX Letters were sent to correct personal information and inaccurate data still exists Late payments from XXXX XXXX - Acct : # XXXX during XXXX Dispute of Violations of the CARES Act Late payments from XXXX XXXX XXXX XXXX : XXXX XXXX during XXXX : Dispute of Violations of the CARES Act XXXX XXXX Acct # XXXX in the amount of {$52.00} XXXX XXXX XXXX XXXX XXXX : # XXXX listed duplicate Inquiries from XXXXXXXX XXXX on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX XXXX XXXX as a Charge off as bad debt Late payments 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 2021-12-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Want to file complaint against XXXX, Equifax and XXXX. These companies are not complying with their own policies in a timely manner. All 3 companies were contacted on XX/XX/XXXX in regards to the following discrepancies. Also XXXX was contacted on XX/XX/XXXX. In addition to complying in timely manner, Violations of the CARES Act occurred during XXXX. On XXXX XXXX Letters were sent to correct personal information and inaccurate data still exists Late payments from XXXX XXXX - Acct : # XXXX during XXXX Dispute of Violations of the CARES Act Late payments from XXXX XXXX XXXX XXXX : XXXX XXXX during XXXX : Dispute of Violations of the CARES Act XXXX XXXX Acct # XXXX in the amount of {$52.00} XXXX XXXX XXXX XXXX XXXX : # XXXX listed duplicate Inquiries from XXXX XXXX  on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX XXXX XXXX  as a XXXX off as bad XXXX XXXX payments XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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 AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I paid off my Bank of America Auto loan in full on XX/XX/21 using a payoff quote provided to me by the bank. I receive a letter from the bank on XX/XX/21 confirming my payoff, title release card and the notification of the closing of the account. However, out of the blue, my account appears to have been reopened with a principal balance of {$99.00} and interest on top of that, without any explanation of why the account was opened again and the justification of the principal. 

XXXX Statement Summary : Ending principal balance : {$12000.00} Payoff balance : {$12000.00} Payoff good through : XX/XX/21 XXXX Statement Summary ( there was no XXXX statement ) Payment ( XX/XX/21 ) : {$9500.00} -- -- {$9500.00} towards principal and {$20.00} financial charge, i.e., {$2600.00} would be the remaining principal balance Payment ( XX/XX/21 ) : {$2600.00} -- -- this was based on the payoff quote giving by the teller, which would include the interest of {$0.00} for the 4 days ( XXXX ) Payment totals : {$12000.00} ( Note that this is just {$4.00} less than the XXXX statement payoff quote ) However, the XXXX statement has a new principal of {$99.00} and a payoff balance of {$100.00} which are not justified by any means. This is clearly an attempt by BofA to extort money/fee from unsuspecting customers. My fear, is that being a paperless customer, had I missed the emails and the fact that my account was reopened, I would have defaulted on the account for no fault of my own, impacting my credit worthiness potentially costing thousands of dollars in my lifetime and that is not accounting the time spent to resolve this issue and future issues that would have stemmed out of this. 

NOTE : the bank issued a case # : XXXX, acknowledged that the math does not add up, but has refused to accept or own the issue and has made vague promises of follow up but not necessarily resolution.

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 2021-12-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021, I went to Bank of America and made a lump payment on my credit card. I had just closed on a property and was using the proceeds from the sale. On XX/XX/XXXX, I tried using my credit cards, and they were declining. I went to 2 Bank of America 's ( XXXX XXXX XXXX XXXX XXXX, Texas ), both bank managers could not help me to tell me why my accounts were closed. They only could say I was a " risk '', and bank of america has the right to close my account. They said a letter was mailed to me on XXXX the XXXX, the is the same day they closed my accounts. I didn't receive the letter till XX/XX/2021. I've called them numerous times because I had accumulated over {$860.00} dollars in points, because they closed my account without notifying me so that I can transfer my points towards my balance, they foretify my money. The last letter I received I was told it was because of my XXXX credit rating. I told them that could not be true, I had visited the bank in XXXX XXXX Texas 2 weeks prior and applied for a vehicle loan, which I did qualify for {$32000.00}. I just told Bank of America, today, when someone credits me with my cash points, which I legally earned, I will be paying the remainder of my credit card. Now bank of America has debt collectors calling me.

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 2021-12-14 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: GA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: GA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2021-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was charged in double for XXXX XXXX XXXX insurance for my phone. I didn't realize that it was going on for a year. When I did realize the issue I contacted XXXX XXXX and was told I would be receiving a refund of {$220.00} XX/XX/XXXX. I never received the refund that was sent by check. I have contacted XXXX for months regarding not receiving my refund and have gotten the run-around. I have attached the statement that shows that they intended on refunding me the amount. And below are the multiple phone attempts I made to try to receive a refund. 

Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX Spoke to TD Retail XXXX I was told to call XXXX XXXX XXXX that handles XXXX XXXX and they said they sent out a refund check XX/XX/XXXX for {$220.00} but I never received it. XXXX said it looked like the check was cashed. I told XXXX I went through my bank account to verify that I hadn't cashed it and forgot. I asked XXXX if she could request a copy of the cleared check to verify who signed it and cashed it. XXXX said she would contact the back office and look into what happened and get back to me. 

XX/XX/XXXX Called back for status update spoke XXXX according to her she was getting this escalated, she didn't see any notes from my previous conversation with XXXX, and get a refund in XXXX business days XXXX # XXXX XX/XX/XXXX Spoke to XXXX regarding XXXX # XXXX and she said the back office is looking into my refund they sent out for an update on XX/XX/XXXX and did not receive a response so they are emailing again. I was told to call back Friday with new ticket # XXXX to check on the update. 

XX/XX/XXXX Called XXXX XXXX XXXX XXXX Spoke to XXXX who was reaching out to the back office to see if there was any update. She said the back office spoke directly with TD Retail card services and they said the check was cashed. I told XXXX that I had previously requested a copy of the cleared check to be sent to me. I went through all my deposits in my bank account and saw nothing for this amount. She said I should contact TD Retail card services directly XXXX. I mentioned that I received a letter on XX/XX/XXXX from TD Retail stating that they were notified that some electronic correspondence was unable to deliver because the email address on file was incorrect, invalid, or correspondence was flagged as spam. I have NEVER reached out to TD Retail stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

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 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received notification that Dovenmuehle Mortgage, as the servicer for my mortgage with XXXX, had performed an escrow analysis on my home. Contained within the analysis were some factual discrepancies. My home is in two counties. One of those counties ( County 1 ) has a property tax of {$4500.00} and the other ( XXXX ) only covers a small strip of land in my backyard is {$290.00}. The XX/XX/XXXX escrow analysis showed County 2 tax as {$2400.00}. This error created a projected shortage and, consequently a {$600.00} increase in my escrow payments per month beginning with the XX/XX/XXXX payment. 

Note : This same company was my servicer last year for my mortgage held by another lender. They failed to pay taxes in County 2 AND they shorted County 1. I received a notice of lien from County 1 before I could persuade Dovenmuehle to pay the back taxes. I ended up paying the County 2 taxes myself. 

In any case, when I saw this escrow analysis, I immediately contacted the servicer on XX/XX/XXXX. I provided all the required documentation from the County to amid the escrow analysis including : the current year bill and the XXXX Notice of Taxes. I was assured the escrow would be completed promptly and that the new analysis would be completed within 14 business days. I have called every week since that 14 days expired and have been told it would be completed by the end of the week. My file has been " escalated '' five or 6 times ( their language ) to no avail. This week, as I prepared to pay my mortgage payment, I was, once again, told it would be next week and then 45 days later before anything would change. 

I have read a bit on the laws associated with escrow complaints to loan servicers and found that they have failed to comply with any of the laws protecting my relationship with them. For example, they have never acknowledged that I filed the appropriate complaint as is required by law for them to do, in writing, within 7 business days of my complaint. Secondly, they have failed to resolve this complaint within 30 business days as is also required by law - as I understand it. 

Please assist me with ensuring the company uphold the standards set for them and protects my interest in this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found the following fraudulent accounts on my credit profiles : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I placed a credit freeze on XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
I filed an identity theft report with the FTC and sent it to the bureaus along with an explanation. 

The bureaus still have these fraudulent accounts on my credit profiles.

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 2021-12-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found the following fraudulent accounts on my credit profiles : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I placed a credit freeze on XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. 
I filed an identity theft report with the FTC and sent it to the bureaus along with an explanation. 

The bureaus still have these fraudulent accounts on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/21 I purchased a car from XXXX XXXX and only authorized them to run my credit. I did not authorize them to push it to anyone they wanted and they ran it along with the following banks : XXXX XXXX, Citizens One, XXXX XXXX and XXXX XXXX. Because of them doing this it has caused a major hit on my credit that should not have happened which caused many other things to then happen with my credit. I am trying to repair my credit but it says these hard hits will be on it for two years. I contacted the banks and they said to contact XXXX XXXX and I did that and they said it will be fine by the time I need a new car again. I have bought many cars and this has never happened before. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax reporting fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These need to be removed

Company response to consumer: Closed with explanation