vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-05 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: NC

Complaint narrative:
In XXXX of 2022, I submitted disputes to XXXX, XXXX, and Experian about accounts listed on my consumer report as being inaccurate and false reporting. I clearly stated the law requires them to furnish accurate information on my credit report and to do a thorough investigation into the problem which was not done. Each time I disputed something on my credit report that I know was inaccurate they would come back within 7 days saying the information is verified ; I would never get any information on who verified it or who they spoke to absolutely nothing. Now the law clearly states the following : 15 USC 1681a 603 FCRA ( 2 ) ( A ) ( i ) EXCLUSION : except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Social Security Card or Drivers License are considered credit cards under the TILA definition of a credit card for which they both were used to obtain credit and by law is excluded from being reported. 

Just by this section alone none of the accounts on my consumer report should be there but they are and that is a violation. The practices and procedures used by the credit reporting agencies are unfair and unjust to me as the consumer. Their investigation process is flawed and unfair and is damaging to me the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: MO

Complaint narrative:
I have sent several disputes to each bureau informing them that I no longer owe XXXX XXXX this account has been paid off in full and they are continuing to report that this is a collection account and derogatory. I need this account to be removed due to inaccurate reporting. I have also sent several disputes to XXXX XXXX XXXX XXXX XXXX and XXXX  requesting debt validation and nothing has been sent to validate this debt at this point they are in violation of the FCRA guidelines and this need to be removed immediately! Attached is proof of the letters sent requesting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: MO

Complaint narrative:
I have sent several disputes to each bureau informing them that I no longer owe XXXX XXXX this account has been paid off in full and they are continuing to report that this is a collection account and derogatory. I need this account to be removed due to inaccurate reporting. I have also sent several disputes to XXXX XXXX XXXX AXXXX XXXX and XXXX XXXXequesting debt validation and nothing has been sent to validate this debt at this point they are in violation of the FCRA guidelines and this need to be removed immediately! Attached is proof of the letters sent requesting this 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 non-monetary relief
Consumer complaint received 2022-03-05 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX XXXX I was out trying to get food when my card declined. I called Citi bank and they told me the account was on a block. They then transferred me and told me the account was getting closed. I had no idea the account was on a block or getting closed as I had used the account and made purchases with it the day ( s ) before. They failed to inform me on what was happening and told me they couldnt give me any more information as to what was happening with my own account. I was distraught that week was payday from both of my jobs and business I have. They kept giving me the run around telling me it was on a block then it was set for closure. The representatives were telling me two different things. Fast forward here I am still getting updates about the account that was supposed to be closed. Even one of my direct deposits I was looking for before I could switch to a different bank had entered the account. I was also not informed of this happening. I am upset with Citi because they have not given a clear statement or reasoning as to why they randomly were closing my account and my money that was left in the account has not been distributed to me in any shape or form whatsoever. Its very unprofessional, misleading and I dont even want to continue banking with them. All transactions were normal prior to the closing of my account and a month later Im still dealing with them not returning my money yet and closing the account like they said they would.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I brought a home XX/XX/2021 for XXXX at 95 % LTV so the loan required MI and Taxes/HOI to be escrowed. 

However, since the home I brought was a fixer upper I immediately invested over 100k in. 
Contacted lender and they advised that I had to have an appraisal ordered and completed by them to verify the new value, so I paid for the appraisal with pennymac and the new value came is at XXXX ; which puts me at LTV at 70 %. 

I resubmitted my request for MI to be removed and escrowed to be removed from my monthly payment. MI removal was denied twice and after multiple request they finally remove removed the MI ONLY. 

HOWEVER, they denied my request to remove escrows 6 times despite telling me to pay for the appraisal through them and still deny my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XXXX all my loans were current as of today XX/XX/XXXX I show two of my loans are past due. I received no mail or email or phone correspondent saying that my loans were past due. When I called them today they said they've been having some issues with their system so it may have not updated but they now are wanting double payments. These loans have been in non-payment status because I have been in school so I did not even receive anything in the mail saying that these loans would be due again. I can not afford {$1000.00} in loan payments. The only thing they are willing to offer me is forbearance which really does not help the situation. This issue is in regards to the following loans : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: MO

Complaint narrative:
I am reaching out due to investigation not being conducted on these accounts. Also nothing has been sent any information via mail. Have been sending dispute letters and the have not been put under investigation which is a major violation of the FCRA. CREDIT XXXX XXXX XXXX XXXX XXXX saying meets fcra requirements when the open dates are completely different and the last active dates. 
CONSUMER COLLECTION MANAGEMENT XXXX XXXX XXXX LISTED XXXX HAS NO ACCOUNT NAME LISTED A HUGE VIOLATION WITH FCRA. 
XXXX XXXX These accounts have not been investigated in months. I know my rights as a consumer and will enforce all the way through. Attached are disputes that I have sent over the last few months with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: MO

Complaint narrative:
I am reaching out due to investigation not being conducted on these accounts. Also nothing has been sent any information via mail. Have been sending dispute letters and the have not been put under investigation which is a major violation of the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX saying meets fcra requirements when the open dates are completely different and the last active dates. 
XXXX XXXX XXXX XXXX XXXX ACCOUNT LISTED XXXX HAS NO ACCOUNT NAME LISTED A HUGE VIOLATION WITH FCRA. 
XXXX XXXX  These accounts have not been investigated in months. I know my rights as a consumer and will enforce all the way through. Attached are disputes that I have sent over the last few months with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I can not setup automated payments for my XXXX issued by BMO harris. This is some serious Information technology error where very poor quality and cheap XXXX XXXX workers might be hired for IT operations. Reported this matter to BMO harris via secured mail. Wait time on phone is so long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: MI

Complaint narrative:
This is not sent in error i am a consumer by law and my information was misused and now i have an account that is reporting making my report not 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: WI

Complaint narrative:
Union Home Mortgage ( UHM ) is not paying my property taxes with the money in my escrow account. 

My property taxes were due XXXX, and UHM has failed to pay my property tax bill ; I have never missed a mortgage payment, so this is absolutely ridiculous. 

As of XXXX, I owe : - {$2100.00} in property taxes for the year XXXX  - {$43.00} in accrued interest for these property taxes - {$21.00} in accrued penalties for these property taxes I called UHM and sent an email to XXXX with a bill & an account summary on XXXX to show them : 1. the property taxes that they should pay with the money in my escrow account 2. the interest and penalties they need to pay for failing to service my account properly It has been over a week since I called & emailed them and I have not receive any response back regarding the status of my ticket.

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 2022-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am reaching out due to investigation not being conducted on these accounts. Also nothing has been sent any information via mail. Have been sending dispute letters and the have not been put under investigation which is a major violation of the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX saying meets fcra requirements when the open dates are completely different and the last active dates. 
XXXX XXXX XXXX XXXX XXXX ACCOUNT LISTED XXXX HAS NO ACCOUNT NAME LISTED A HUGE VIOLATION WITH FCRA. 
XXXX XXXX  These accounts have not been investigated in months. I know my rights as a consumer and will enforce all the way through. Attached are disputes that I have sent over the last few months with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
I traded in an old XXXX as part of an online purchase through XXXX and was told I would receive a trade-in refund of {$110.00}. The card I used in connection with this purchase was an Apple Card issued by Goldman Sachs. When I received a {$110.00} credit to my card on XX/XX/2022, this triggered an automatic " Daily Cash Adjustment '' debit of {$3.00} ( 3 % ) on my card because the transaction was coded as a " refund '' even though it is really a trade-in. I understand that this card features 3 % cash back on XXXX purchases, and that if those purchases are eventually returned, then Goldman Sachs needs to account for 3 % cash back as part of a return. However, this trade-in transaction is NOT a return, and I shouldn't have the " Daily Cash Adjustment '' deducted from my trade-in because I never received a corresponding Daily Cash reward in the first place. If XXXX would have had a different card on file for my trade-in, I would have received the full {$110.00} amount as part of my trade in. I repeatedly called XXXX/Goldman Sachs on XX/XX/2022 and was repeatedly passed to different departments at both companies and told I was wrong. Eventually, after escalating to a manager, I was told by the manager that I was indeed correct and that this Daily Cash Adjustment was made in error and that the underlying business logic being used for trade-ins at Apple Card is incorrect for this circumstance. However, the individual declined to issue a refund and instead indicated that a billing dispute would be initiated on my behalf and that they would follow up with me within a week. It is now XX/XX/2022 and there is no evidence of any resolution. I am frustrated about an absolutely terrible customer support experience and am upset that Apple Card is routinely, unfairly, and erroneously garnishing 3 % from every XXXX trade-in that takes place on an Apple Card. They are entitled to reconcile purchases/returns for cash rewards, but this makes no sense to apply to trade-ins, and the fact that I am only being charged this fee because I am using an Apple Card instead of another credit card is clear evidence of that fact. I am filing this complaint with CFPB because I have been unable to receive satisfactory resolution by directly engaging the company, and moreover, the company responsible for supporting me as a customer is failing to offer a clear and transparent way to contact them, and instead passes customers between XXXX, Goldman Sachs, and various other third party service providers without taking responsibility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NOVAD Management Consulting, LLC
State: IL

Complaint narrative:
I had a reverse mortgage thru XXXX. I paid it off in XX/XX/XXXX. They released the lien after I contacted them. Per my request, the sent an email to Novad Consulting ( who does bidding for HUD ) to request they release their lien on my property as well. This was on XX/XX/XXXX. They replied that the check for recording fees have been requested, the releases have prepared & will mail to the county within the next 5-7 days. On XX/XX/XXXX, I sent a 2nd email to Novad requesting them to release the lien on my property. They never replied. I will also say that I called them NUMEROUS times & waited on time for 30 mins & another for 45 mins. When I called yesterday the recording says the wait time was 170 mins!. I sent a 3rd email to Novad on XX/XX/XXXX and the sent back what appears to be a canned response. It mirrors the exact response received in XXXX. I emailed them back statin they told me that in XXXX & they again did not reply. I want my title to be free and clear with no lien from HUD. They have no right to my property at this point since I owe no one anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: MI

Complaint narrative:
i am the consumer by law sending this, no error. my information was misused and a account that shouldn't be on my report remains still making it not 100 % accurate. ( XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: WI

Complaint narrative:
I don't have the ability to access my old cash app accounts do to being a victim of data breach, fraud and identity theft. my cash apps and all emails there associated with were locked out of or hacked. numbers were changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I would like to note that XXXX XXXX has been harassing me within the last month. They have been excessively reporting derogatory information to the credit bureaus. 

Most companies have a reporting schedule in which they report monthly, but XXXX has reported 4 times to the credit bureaus between XX/XX/2022 and XX/XX/2022. This is less than a month 's period. I have attached proof. 

Attached is the record of times that XXXX has reported negative information to my credit bureau. This violates Fair Credit Reporting Act and this is a bullying tactic, in addition to the other tactics they use, to extort money out of citizens. 

XXXX has reported to my credit on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Please see the attached. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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:
I would like to note that XXXX XXXX has been harassing me within the last month. They have been excessively reporting derogatory information to the credit bureaus. 

Most companies have a reporting schedule in which they report monthly, but XXXX has reported 4 times to the credit bureaus between XX/XX/2022 and XX/XX/2022. This is less than a month 's period. I have attached proof. 

Attached is the record of times that XXXX has reported negative information to my credit bureau. This violates Fair Credit Reporting Act and this is a bullying tactic, in addition to the other tactics they use, to extort money out of citizens. 

XXXX has reported to my credit on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Please see the attached. 

Thank you. 
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 explanation