vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Texas XXXX XXXX XXXX account paid off XX/XX/2020 and Texas XXXX XXXX XXXX is continuing to report account late after being paid off.

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 2020-07-15 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: TX

Complaint narrative:
Texas XXXX XXXX XXXX account paid off XX/XX/2020 and Texas XXXX XXXX XXXX is continuing to report the account late after being paid off.

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 2020-07-15 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: MI

Complaint narrative:
On XX/XX/2020 I submitted disputes to Experian, XXXX, and XXXX. I have yet to get a response on the investigation. This is in violation of the law as it has been more than 30 days.

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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have attempted to remove two accounts off of my credit two times via certified mail. Equifax, XXXX and XXXX have not helped me at all! I am seeking to get this resolved. I think my identity was stolen or I was hacked because these accounts arent mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: LA

Complaint narrative:
I filed dispute regarding inaccurate information that is being reported on my credit file. I have not received anything regarding my dispute results which have been well over 30 days.

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 2020-07-15 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Santander Consumer USA has settled a lawsuit with my state SC for their predatory lending practices and agreed to remove negative reporting on affected consumers reports. I disputed this companys negative inaccurate information and nothing was done except the company adding an additional negative damaging statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have attempted to remove two accounts off of my credit two times via certified mail. XXXX, XXXX  and Transunion have not helped me at all! I am seeking to get this resolved. I think my identity was stolen or I was hacked because these accounts arent mine.

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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have attempted to remove two accounts off of my credit two times via certified mail. XXXX, Experian and XXXX  have not helped me at all! I am seeking to get this resolved. I think my identity was stolen or I was hacked because these accounts arent mine.

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 2020-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My personal information was used without my authority or knowledge to to open several fraudulent accounts as follows : XXXX XXXX ; XXXX XXXX XXXX FL XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00} XXXX XXXX, was notified on several occasions by via phone that the above debt was due to identity theft but they continue to attempt to communicated with me concerning the alleged debt and fraudulent account. Federal Trade Commission Identity Theft Complaint was also made. 

Navy Federal Credit Union XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Amount : {$3200.00} Navy Federal was given multiple notifications regarding the accuracy of this account which was created due to theft of my identity. However Navy federal keeps violating FCRA by reporting inaccurate information onto consumers credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} XXXX XXXX XXXX, has stolen the consumers identity and has been using it with authority and or consent to trade and sell consumer information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian reporting inaccurate payment history. This account has never been late. 

XXXX XXXX XXXX  XXXX  Acct 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 explanation
Consumer complaint received 2020-07-15 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: GA

Complaint narrative:
Company has failed to investigate and or remove information from a consume report despite receiving proper documentation on the fraudulent accounts. I have disputed this information for over 1 year and Experian has refused to remove nor investigate these items. These items were included in previous complaints with CFPB.

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 2020-07-15 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: TN

Complaint narrative:
false information reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am a landlord. XXXX group offers the ability for my renters to ach their rent payments to me. My rental account is with PNC Bank. I attempted to set it up on my end. It starts with XXXX and to enter my PNC account I am redirected to sign in my PNC account. I enter my PNC username an password and then I hit a wall that says " PNC has made a change that prevents you from being able to link your accounts. '' XXXX suggests filing a complaint with cfpb. 
Surely there should be a paper form signup option until whatever issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a credit card from Comenity Bank that is associated with Victoria 's Secret. I have had this card for over 7 years. Earlier this year, I missed the XXXX / XXXX payments on a {$50.00} purchase made at victoriasecret.com. In complete honesty, the past few months have been extremely chaotic and difficult due to Covid-19. I have always been a loyal customer and reliable and responsible with my payments, but while dealing with the stresses of recent times I unfortunately neglected to make the on-time payment for my purchase. I have since paid off the payment as well as the late fees on the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian report file that was never late. XXXX XXXX ACCT : 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 explanation
Consumer complaint received 2020-07-15 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: LA

Complaint narrative:
I filed dispute regarding inaccurate information that is being reported on my credit file. I have not received anything regarding my dispute results which have been well over 30 days.

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 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
In an attempt to become more financially stable, I am attempting to invest and save. Unfortunately PNC bank has changed and I am now unable to use apps such as XXXX This is extremely disappointing. The inability to control where my funds goes and how I invest. I would love to see this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation
State: NC

Complaint narrative:
I purchased a home on XX/XX/XXXX. We worked with Fairway Independent Mortgage Corporation. They failed to include an accurate estimation of our taxes in our escrow payment that has resulted in a XXXX shortage to our escrow account that will raise our mortgage by {$600.00} a month. 

The Dodd Frank Act provided some level of clarity in that this estimation is now required by creditors for property taxes based on the taxable assessed value of the real property securing the transaction after the consummation of the transaction. 

This avoids a potential pitfall where the initial escrow deposits only reflect a lower assessed tax bill based solely on the value of the land. Disclosure provisions also provide the consumer with notification that the amount of escrows may increase. The expectation from the Consumer Financial Protection Bureau is that lenders and servicers determine the proper method for computing the estimated taxes. Availability of data to compute such estimates can vary by state as well as locality. Generally, estimates can be based on like properties that have been assessed if that information is available. Otherwise, 1 % to 5 % of the purchase price can be a reliable estimate. 
The importance of communication with the consumer can not be overstated. In addition to the required disclosures, the lender should ensure that guidelines include informing consumers that their payment will increase upon full assessment and that an escrow overage may be sent to them if the reassessment does not occur by the time they receive their first escrow analysis. 

Based on this information, I think it is clear that I was not provided the accurate estimations, information, disclosures, and warnings about my improperly funded escrow payment. No one ever explained to us that our payment was insufficient to properly fund the escrow. This has put me in a situation where I own a home with a mortgage payment {$600.00} above the budget I explicitly communicated to the lender. It sounds like there are very specific regulations in place to protect the consumer so that this exact thing does not happen. I have reached out to Fairway Mortgage on XX/XX/XXXX the day I received notice of an escrow shortage.I am waiting to hear back about how they will fix this but have not as of yet. 


XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I used XXXX XXXX bill pay service to make a payment of {$370.00}. This posted to my Capital One account on XX/XX/2020. Without explanation, the payment was reversed on XX/XX/2020. I am attaching a copy of a document from XXXX XXXX showing that I made the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 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: MI

Complaint narrative:
On XX/XX/2020 I submitted disputes to XXXX, TransUnion, and XXXX. I have yet to get a response on the investigation. This is in violation of the law as it has been more than 30 days.

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 2020-07-15 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: MI

Complaint narrative:
On XX/XX/2020 I submitted disputes to XXXX XXXX, and Equifax. I have yet to get a response on the investigation. This is in violation of the law as it has been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been trying to fix my credit lately due to covid-19. All my past bill have been paid off and was trying to get everything perfect. I noticed XXXX XXXX XXXX XXXX has incorrectly reported me for being late on 2 payments from 6 years ago. Now they have reported me late for 3 payments totaling up to 90 days. They are ruining my credit report due to errors from their system. They have done this so many other people you can see the reviews on almost every site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: GA

Complaint narrative:
Showing inaccurate pay history .... 


XXXX XXXX ACCT : XXXX Paid on time/ never late

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 2020-07-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Showing inaccurate pay history .... 


XXXX XXXX  ACCT : XXXX Paid on time/ never late

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 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Hello, I applied for a refinance loan with Rocket Mortgage ( Quicken Loans ). I was offered a rate, paying 1 point in the original disclosure which I reviewed and signed. This disclosure included a Rate Lock agreement. During the period of processing to closure, I received a Re-disclosure ( within the time frame of the original locked rate ) providing for the same rate, but paying 3 points. At no time did anyone call me to notify me of any changes, at no time did I receive any negative credit report updates or additional credit checks. I contacted the broker, who told me he had no say on the matter and advised someone would call me. After several days and multiple attempts to reach someone, the director of underwriting ( supposedly ) called me and told me that the points changed when my home did not appraise for the amount they had wanted it to appraise ( although the home still appraised at more than 80 % loan to value ). I advised him that I had a rate lock with one point, that points are paid to reduce the interest rate, which was not occurring here, and that i believed that someone was trying to pull a fast one. I advised he needed to fix this. He told me that points were assessed based on the risk - not to pay down the rate and that there was no mistake and that he would not be changing it. I told him that I had a truth in lending statements indicating one point and i expected him to honor that. He then told me they would not be issuing me anything and would be closing out my loan. He then hung up on me. 
i allowed this company to run my credit, spent hours providing them with personal financial information - including consent for tax records, and had a signed disclosure with an active rate lock. 
This company 's deceptive practices is unacceptable. They clearly pulled a bait and switch thinking I would simply agree to the new redisclosure without reading. Thank God I read it before I accepted. 
I may not have suffered any real harm at this time, however, it is important for your agency and the consumers to know that Rocket Mortgage / Quicken Loans is employing deceptive lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Showing late payment this is inaccurate. 


XXXX ACCT : 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 explanation
Consumer complaint received 2020-07-15 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: GA

Complaint narrative:
Showing late payment this is inaccurate. 


XXXX  ACCT : 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 explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I was going to try lexington law. I signed up and cancelled within 3 days. I got a confirmation email letting me know my account was cancelled. The email was sent in XX/XX/XXXX. Now today XX/XX/XXXX im getting emailed again saying i need to update my payment so they can bill me XXXX dollars. They are trying to take more money when im not with them anymore.

Company response to consumer: Closed with explanation