vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Civil Lawsuit Case # XXXX ( KAB XXXXwith Knight Adjustment Bureau ( Not address give to me for company ) with Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. 

I reached out to Attorney XXXX ( Not admitting the debt was mine ) to submit information and work out a settlement. Knight Adjustment Bureau call agent with phone with # XXXX XXXX ( refuses to give name or ID number ) called me directly at XXXX XXXX my number is XXXX ). I have requested a copy of the phone conversation XXXX XXXX at Knight Adjustment Bureau refused to give me a copy of conversation ). Asked if I had an Attorney then when I said no said we don't have to give you any Information. I have requested from attorney XXXX and Knight Adjustment Bureau with agent to submit as evidence for this complaint ( not yet received ). XXXX XXXX refuses comply. Just because I am not represent by attorney does not mean I am not protested by the Laws of the US. 
The agent was abusive and degrading to the point of requesting ( even though my job has been closed until further notice ) to use my stimulus money to pay the debt. Then asked if my XXXX was willing to work ( XXXX job also closed XXXX. This type of disregard, htreats, abuse need to stop now. Agent violated the Consumer Rights act on Multiple occasions. Just because times are tough this illegal abuse can not continue ( Copy of conversation will be added as evidence once received ). 

The agent for Knight Adjustment Bureau then threatened additional lawsuit beyond what our current lawsuit states. XXXX stated if you don't pay today interest will continue to add up. I have been informed that Utah and Federal law prohibits threat of additional Interest/lawsuits if not paid today. Such threats are illegal and violate both federal and State laws. Creditors can not threat additional penalties beyond Lawsuits as Lilian at Knight Adjustment Bureau did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: ME

Complaint narrative:
i have lost my card a few years ago. i was working so i felt i didn't need it so i threw it away. chopped it up and threw it away. the week ofXX/XX/XXXX i got a notice in the mail from unemployment saying they loaded my benefits on the card. i don't have that card and i have been trying to get a new one sent out and its been three weeks i haven't heard anything back yet or nothing

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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received information indicating that my identity has been stolen. I filed a report with the FTC and contacted both XXXX and XXXX to review my credit reports and set a lock and a freeze respectively. 

I tried tocontact Equifax to review my credit report and then place a lock or freeze. I tried to use Equifax website and was locked out. I called and was disconnected with no option to talk to a human. 

Equifax apparently has errors in my credit report because I cant get the answers to the security questions right PRESUMABLY BECAUSE OF ERRORS ON MY REPORT THAT I CAN NOT ACCESS TO REVIEWa report I am legally entitled to review. 

Since Equifax won't give me access to a human, i can not resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a high interest predatory loan of XXXX % with CitiMortage for over 10 year and always ( 100 % of the time ) paid my payments on time with on line bill payments through my bank. During the end of my mortgage with CitiMortage, the payment amount went up with warning and I was not notified, but still paid the original payments amount each month. I called CitiMortage, they stated because of my excellent payment record and administrative error, CitiMortage would correct my credit report to reflect all my payments were made on time. However, CitiMortage is still reporting I was late from XXXX to XXXX of 2018s out of my entire 10 year loan cycle. 

After being being scammed in the high credit loan, now XXXX is prevent me from getting a lower interest rate becuase they are reporting inaccurate information to the credit bureaus. Please assist me with this. Trying hard to pay day to day expenses. This is making it very hard.

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 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
This issue started when my mortgage company XXXX, used my escrow account to pay my 2019 summer tax bill. 

My 2019 summer tax bill was paid normally from my escrow account in XXXX of 2019 for the amount of {$980.00}. The following day, XXXX paid an additional {$1500.00} to a separate and incorrect parcel number, using funds from my escrow account. This error caused my escrow account to be severely underfunded, XXXX then added an advance to cover this shortage. I then received a letter saying my mortgage amount would need to increase to cover these new escrow shortages. Based on the amount they had paid to an additional parcel number. 

Upon receiving the notice my mortgage had increased to cover the new escrow amount, I immediately contacted them in XXXX and informed them of the mistake. My city taxes were paid in full, and were the amount of {$980.00}. I supplied them documents from my city tax assessor supporting my claims, and was told that the problem would be fixed within two weeks. At this point I was told to wait, and they would let me know when it was all done. 

I did not hear from them, unless I called them. They had no answers for me, just that it was in process and would all be worked out within a few weeks. We continued to work with them and when our winter taxes came due in XXXX, the exact same issue occurred again, our city taxes were paid for winter in the amount of {$120.00}, then XXXX paid the same incorrect parcel number in the amount of {$200.00}. 

These continued mistakes have caused our mortgage to jump from {$450.00} to {$650.00}. We were told multiple times from XXXX to NOT pay, since the amount would be incorrectly allocated to our escrow, we were told to wait and pay once it had been worked out. The problem is, it has taken the over 6 months to work it out. This whole time they have continued to send us bills, debt collection notices, and foreclosure notices. 

This entire time if we didnt reach out the XXXX, we didn't hear from them. They seemed completely unable or unwilling to correct the problem after 6 months. 

Two weeks ago we were informed that XXXX had transferred our loan to a different company XXXX. XXXX will no longer talk to us at all, and the problem has not been resolved. 

XXXX has absolutely no information on our case, and we have had to start completely from the beginning with getting this resolved. We have received multiple notices of foreclosure, due to our not paying our bill ( As instructed by XXXX ). We are ready to get this current, but so far our escrow account is still incorrectly paying two different tax bills for two different parcel numbers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX XXXX 's employment screening department requesting additional information as to the status of a mortgage loan. The mortgage company name was not familiar but the origination year and digits affiliated with the loan number were familiar. I informed them that I purchased the property in XXXX, lived in it until I was relocated out of state the following year, it has been an investment property since then, and that the loan was in good standing. 

The following day XXXX asked if the loan was part of an identity theft claim. I told them I was not aware of a claim against the loan. I also shared that fraud protection was added to my credit account due to your typical hacking or credit/debit card numbers being exposed etc. 

They asked me to send them a copy of my ID to confirm my identity. At that point I shared the ID and asked what the issue was because this was the last step before starting my job. I received the offer letter, accepted the offer, submitted all required information and was simply waiting to move forward as usual. Their next email stated that they had an affidavit with my signature claiming identity theft against the mortgage loan. 

I then asked them to tell me the date or produce the document in question so I could look into the matter. The following day my recruiter was told I was ineligible for the role after I accepted the role. 

The document they shared is dated XX/XX/XXXX. 

Back in XXXX, my realtor referred to a credit repair professional that sent me to XXXX to open an account that would kickstart a credit repair process to remove a few negative items or dispute any fraudulent or inaccurate reporting. I made a partial payment of roughly {$1000.00} upfront with the remainder to be paid during the process. 

After receiving the affidavit from XXXX I contacted the realtor about this issue. He provided the name of the individual he referred me to and I contacted them. I was told that an affidavit they would send would not include my signature. 

At that point I forwarded the affidavit to the credit repair professional to produce what XXXX  shared with me. The affidavit did not appear to dispute a negative item here or there. It claimed every account listed, including my existing mortgage, was a product of identity theft. 

I have attempted to contact the individual since then to get to the bottom of what took place and I have yet to hear back from them with an explanation. 

Until I get to the bottom of this matter it is important for me to submit an official complaint in order to clear my name and address a matter I was unaware of until a few days ago.

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 2020-04-17 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigate 1 collection l balance : {$2400.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  {$2400.00} Account numberXXXX Collection openedXX/XX/XXXX BalanceLoan Amount {$2400.00} {$2400.00} XX/XX/XXXXXXXX XX/XX/XXXXXXXX Account Info Hover over labels for more details Account numberXX/XX/XXXX Account statusOpen Date opened XX/XX/XXXX BalanceCredit Limit {$1600.00} XX/XX/XXXX {$2900.00} Paid, closed Account Info Hover over labels for more details Account numberXX/XX/XXXX Date opened XX/XX/XXXX Balance Loan Amount Payment Info Original loan amount {$5500.00} You have 13 inquiries These lenders have accessed your credit file : XXXX XXXX   Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX   Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXX/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 explanation
Consumer complaint received 2020-04-17 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: NC

Complaint narrative:
Transunion has removed these accounts before and now they are back. The social security number is NOT a match with my information NOR is the name on these accounts, or the address! Transunion is causing irreparable repair to myself and business as I personally guarantee my business. If not removed I will file civil actions.

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 2020-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP
State: FL

Complaint narrative:
An assignment of mortgage was recorded in the land records regarding my property on XX/XX/XXXX by an unknown party to the assignment. The assignment was allegedly executed on XX/XX/XXXX by parties not affiliated with the party who requested the assignment to be recorded. I want to know how XXXX XXXX XXXX XXXX XXXX had the authority to record an assignment of the to which they were not a party. I would also like to know who the owner of the mortgage and note was at the time the assignment was executed and also at the time it was recorded. An employee of XXXX XXXX XXXX has stated to me that my loan was purchased and then placed in a XXXX trust with XXXX XXXX. Who did XXXX XXXX. Purchase the loan from? I also see that XXXX XXXX XXXX, as well as XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX have filed for bankruptcy. Therefore, the records should be available for the question to be answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: FL

Complaint narrative:
I have sent several CERTIFIED letters to Equifax disputing unauthorized inquiries. They keep asking for proof of ID which they already have on file! This is very frustrating because the other bureaus have responded and removed all of the unauthorized inquiries as requested! 
Equifax keeps stalling and playing games with consumers! Asking me for silly proof of ID which they already HAVE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I applied for a Best Buy card to get financing on a computer I am purchasing for my home business. The card was advertised as having 24 months of interest free payments, and users would get 10 % off their first purchase. I applied and received notification that I would need to call, then the number that was provided would not let me get past the automated system without an account number which I didn't have as my application was in limbo. When I was finally able to speak with someone she approved my application and I opted for a store specific credit card since I only wanted to use it for financing this one purchase. When I went back to my cart to check out I was only given an option of 6 or 12 month financing with the card and there was no mention of getting 10 % off. When I called again I was told that " usually '' the offer is " up to 10 % back in rewards '' and according to the purchase in my cart I was eligible for 5 % back which would be {$60.00}. Had I known all of this at the beginning I would have  financed with XXXX because ultimately I would have had a longer period over which to pay and my monthly payment would have been less. This is a bait and switch, and I'm very upset. I'm currently waiting on a callback from the company, after having been on hold for 2 hours yesterday.

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 2020-04-17 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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigate 1 collection l balance : {$2400.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX SUPPLY {$2400.00} Account numberXXXX  Collection openedXXXX XXXX XXXX BalanceLoan Amount {$2400.00} {$2400.00} XXXX  XXXX XXXX  XXXX Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date opened XX/XX/XXXX BalanceCredit Limit {$1600.00} XXXX XXXX XXXX {$2900.00} Paid, closed Account Info Hover over labels for more details Account numberXXXX Date opened XX/XX/XXXX Balance Loan Amount Payment Info Original loan amount {$5500.00} You have 13 inquiries These lenders have accessed your credit file : FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XXXX XXXX XXXX  Removal date : XXXX XXXX XXXX  XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX 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 2020-04-17 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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigate XXXX collection l balance : {$2400.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  {$2400.00} Account numberXXXX Collection openedXX/XX/XXXXBalanceLoan Amount {$2400.00} {$2400.00} XXXX  XXXX XX/XX/XXXXXXXX Account Info Hover over labels for more details Account numberXX/XX/XXXX Account statusOpen Date opened XX/XX/XXXX BalanceCredit Limit {$1600.00} XX/XX/XXXX {$2900.00} Paid, closed Account Info Hover over labels for more details Account numberXXXX Date opened XX/XX/XXXX Balance Loan Amount Payment Info Original loan amount {$5500.00} You have 13 inquiries These lenders have accessed your credit file : FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXTenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXXRemoval date : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXMortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation