vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion continues to use out dated or incorrect data on my report which keeps my XXXX XXXX in the XXXX, When my XXXX and XXXX are in the XXXX This has kept My Scores from increasing there are accounts that have been deleted from other reporting agencies but TransUnion continues to report inaccurate 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 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I have been attempting to contact my servicer about why there have been multiple changes to my escrow payments without notices being sent. I appreciate them making recalculations when necessary, but it would be good to at least get a heads up. I also wanted to let them know that I have updated my homeowners insurance and that while XXXX  will be sending them a bill for better and less expensive coverage beginning today ( XX/XX/XXXX ), that XXXX will be providing a credit for {$480.00} which I will forward to Roundpoint as soon as I receive it. Therefore, the overall premium will be going down from {$570.00} with XXXX to {$530.00} with XXXX ( with XXXX providing higher dwelling, loss of use, loss assessment coverage, etc. ) However, the " contact us '' portion of their website has been down so I am unable to communicate with them. The website also makes it relatively difficult to find out how to contact them another way. I have attached screenshots of the contact us page which just shows one dot followed by another row with two dots. I have tried going on this page through two different computers and a mobile phone and get the same error on all of them.

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 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
Hello, I need help please! 
My loan was transferred to a new servicer ( XXXX XXXX XXXX ) as of XX/XX/2021. 

But the previous servicer Dovenmuehle Mortgage , Inc. went into my Bank account and took {$560.00} on XX/XX/XXXX without my consent. They were not servicing my loan anymore but yet they took money causing me bank overdraft fees. 

I have contacted Dovenmuehle Mortgage , Inc. multiple times asking them where's my money and nobody have a clear answer. 
They keep saying that they already sent everything over to the new servicer XXXX XXXX XXXX but they don't have any records of any money from Dovenmuehle Mortgage , Inc . 
They took money illegally from my bank account and I want it back! This is ridiculous and beyond frustrating. I need help please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America - XXXX, Fl On XX/XX/2021 I deposited {$8500.00} into the ATM machine ( see attached. ) I counted it out in front of the ATM camera. I had a total of XXXX  {$100.00} bills. I was paid cash from a family in which I directed a lengthy intervention on several struggling family members. I practice XXXX and this is something that I do on a regular basis. The fact that I was paid in cash is quite common if you would take the time to look through my account, you can see multiple cash deposits. 

In the middle of the deposit, the machine stopped working and I was given a message to report the issue to a one 800 number, which I did. I was given a temporary credit from Bank of America for the {$8500.00} pending the results of an investigation. On XX/XX/XXXX, the investigation outcome found that the ATM machine was short {$1900.00} and the initial credit was reversed causing the money to be deducted from my personal bank account. Since I never deposited anything except {$100.00} bills, it is more than obvious that I did not receive the investigation I deserved. 

I have asked for all the documents that they used to make this decision on multiple occasions and I have been told there were no official documents to share that it was a decision made by an " internal fraud department. '' BOA has not been willing to release any information about the investigation and have admitted to not reviewing any footage from the ATM machine. BOA has stated I have no recourse and are unable to reopen the investigation, so basically I just have to accept the decision. I have since filed a police report. I worked with a very good detective for a couple months and she was unable to get anywhere with the case. This was her final response, " Unfortunately this case has been reviewed by myself and my supervisor and its been determined that no crime has been committed by an actual person. We can't press charges against an entire company. I know you spoke before about suing Bank of America and I definitely think that is your best option and a very good one. This entire situation is extremely unfortunate especially with you being a long term customer of theirs. I wish there was more I could do for you. I am so sorry this happened. '' It is absolutely unacceptable that the ATM machines that they use belong to a third-party. I have always assumed the ATM machines belong to Bank of America. What's more disappointing, is that they have been unwilling to advocate for me hey single mom and small business owner, to ensure that my money is protected. 

You are my last hope. At this point Bank of America has completely close the issue and refuses to discuss it with me. Thank you for creating this platform that allows me to be heard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I explained it before to Experian about the fraudulent charges committed by XXXX XXXX to me, that affected me negatively on my account producing so many illegal overcharges, that even affected me 3 times to pay on time to XXXX XXXX services I sent the proves and court papers from the FTC to XXXX, and XXXX removed this account from my credit report I sent the same proves to XXXX investigate the case and XXXX removed the account from my credit report I sent more than 14 times this proves to Experian over and over and they were unwilling to remove this account from my credit report Experian never sent any documents about the investigation they dont give me a reason why this account still on my credit report The only credit agencies that listen to me and reply me back on letters were XXXX and XXXX XXXX they found the account inaccurate for the based on the information I provided it about the fraudulent charges and Illegal activities done by XXXX XXXX XXXX do not understand why Experian is the only one from all the credit reporting agencies unwilling to remove the XXXX account from my credit report This is prove with documents, with files and many visual proves but accuse Experian of not making any real investigation 2 mayor credit bureau XXXX and XXXX Did a real investigation and found out that I was right and removed it the XXXX account from my credit report Im tired of Experian They dont send me any documents about all my disputes

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 2021-12-06 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: NY

Complaint narrative:
On XXXX filed a complaint with XXXX reguarding in correct late payments showing on my credit report with XXXX XXXX. Has of today there results are still pending almost 3 months later. Did talk to XXXX  that had no XXXX or customer service skills. He also made no effort to help on any way

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MECHANICS BANK
State: IL

Complaint narrative:
As executor of my brother 's estate I sold a piece of property securing a mortgage from Mechanics Bank. My late brother and a woman not his wife were co-borrowers on the mortgage ; her interest in the property was extinguished by court action in XX/XX/XXXX. ( Documentary proof attached. ) At closing of the sale, the bank insisted 1 ) that I was responsible for $ 14,000-plus in their attorney 's fees, saying that though they had been discharged in the woman 's bankruptcy they were not discharged against me ; and 2 ) that I was responsible for {$11000.00} worth of interest that had accrued as a result of her request for forbearance in XXXX of XXXX, even though I was never made aware of or asked to consent to that request. ( Documentary proof attached. ) The bank 's lawyer argues I was not entitled to such notice because I was not recognized as executor by the state of California. However, I had notified the bank in XX/XX/XXXX of my brother 's death and my appointment as executor by the state of Washington, so it was aware there was someone responsible for the estate ( documentary proof attached ) ; moreover, if the bank 's posture was that there was no one who could act for the estate, it should not have granted forbearance on a loan with which the estate was concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: GA

Complaint narrative:
I have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing stating I was 30 Days late in on this account. 

I might have been 28 or 29 days late. According to the FCRA, you can not report false information. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately updated from the credit file you maintain under my Social Security number to paid on time, never late. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 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 2021-12-06 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: PA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT FROM MY CREDIT REPORT : 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 2021-12-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to XXXX XXXX Credit Card services several times However I received a some feedback from Experian that is unacceptable ; I have send in appropriate documents since the beginning of XXXX  then I was told to file a complaint with the company myself. So now I am going to follow protocol about this issue. Thats why I disputed the erro with the bureau. Also XXXX XXXX did not have my number nor my mailing address until I started filing dispute about fraudulent items in my credit file.

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 2021-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
On XX/XX/2021 a Tax Disbursement was made to the incorrect property in the amount of {$2200.00}. After receiving a letter in the mail stating my property taxes were not paid I reached out to LakeView to find out what happened. I was informed that the incorrect taxes were paid. Instead of refunding my escrow the original amount they then pulled another {$1100.00} from the escrow account. I have contacted the company multiple times from XXXX to now XXXX. Those that assist see that its not right and {$2200.00} should be refunded to escrow and thats as far as it goes. I got the same answer from management. Nothing has been refunded to this day. I need the {$2200.00} refunded to my escrow account.

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 2021-12-06 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: GA

Complaint narrative:
I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing stating I was 30 Days late in on this account. 

I might have been 28 or 29 days late. According to the FCRA, you can not report false information. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately updated from the credit file you maintain under my Social Security number to paid on time, never late. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Regarding HSBC Mortgage loan # XXXX I have spoke to XXXX different people at HSBC requesting information be sent to me and have gotten XXXX different answers. 
I am asking for the last 3 years ( up to current ) payments made on above mentioned loan. The bank is saying that they wont e mail it or will only send it to the address that the loan is for. It also isnt available to me online. 
My ex wife lives at the address ( she is also on the loan ) but I am still 1/2 owner of the property. I obviously can not receive any mail at that address and the bank refuses to send the information to my apartment address ( listed below ). I gave the bank written permission to send me a copy ( by e mail ) of a letter they sent to the loan address regarding forbearance and they e mailed me that info 3 months ago BUT they refuse to send me a copy of payments made claiming they cant e mail this info. They also refuse to send it by usps mail. This is not the nuclear codes its simple payment info. I answer all of there security questions when I speak to them so there is no reason that they cant e mail or regular mail the info I am requesting. 

My info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX Property info for the loan is : XXXX XXXX XXXX XXXX XXXX NY XXXX This house is on the market for sale and my attorney is requesting this information. The house cant be sold without my attorney having this information so there is a time crunch for the info. Your help is greatly appreciated. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/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 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I applied for a new credit card with Citibank. I already had one with them so this would be my second with Citibank. My only intent for the card was for a balance transfer. 
They responded immediately with an approval. 
I was happy and requested a balance transfer to XXXX XXXX for {$2900.00} plus their fee. About {$3000.00} in total around the end of XXXX. 
I never heard anything again from Citibank about this balance transfer. I did get multiple notifications to activate the card though. The balance transferred card always reflected a {$0.00} balance on my online account. 
Around the first week of XXXX, I had a balance of {$3800.00} on my first Citibank card and paid it off in full. About 4 days later, I received a voice message stating that Citibank was trying to get ahold of me. I called them back later that day and they notified me that I was delinquent on repaying on the second card for the balance transfer. Citibank states that XXXX XXXX cashed the check and I am responsible, and if I want this resolved to do my own investigation. 
I told them that I had never received the balance transfer and I was not paying back on it since I never got one. That fell on deaf ears. 
Since then, I have spoken to Citibank at least 5 times to inquire about the status of their investigation, something that I had to demand they do by the way, spoken to XXXX XXXX multiple times and every time they say that they never did receive anything from Citibank. 
XXXX XXXX even suggested we do a 3 way call to share the information together. Nope! Citibank wasn't interested in that! 
On Saturday, I inquired again about the status of the investigation and they said that they had determined their outcome and I would receive a letter explaining their decision. 
I have never benefitted from any balance transfer from Citibank and I am shocked at how callous they are regarding my sentiments.

Company response to consumer: Closed with explanation