vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/XXXX, our Bank of America ( BOA ) accounts were compromised through the XXXX App by a woman unknown to us. I did not see any such activity until Saturday, XX/XX/XXXX. Upon opening my account, I told my partner and then, within 30 minutes, he saw that the same woman had taken money from his account. Neither of us received a phone call from the bank to confirm if we authorized the transfers. 
Immediately, I called BOA, but since it was Saturday, there was no one to talk to regarding this issue. We were told, however, to go to the bank to let them know what had happened. The manager told us there was nothing we could do until Monday morning when we could talk to someone in the fraud division. 
After talking to someone Monday morning, we were advised to close the account and an investigation would be ongoing. After 2 weeks of waiting for an answer, we received letters explaining why we would not receive our lost money. My partner lost {$1500.00} and I lost {$2400.00}. I have documentations of the reason. Neither my partner nor I authorized this woman to transfer the money from our accounts to hers. We also did NOT give her our passcodes or online IDs. We talked and talked to several people from BOA, but to no avail. We were not then, nor are we now acquaintances of this woman. 
I contacted XXXX then ( XX/XX/XXXX ) and was told they could do nothing but write a letter to BOA about the situation. BOA refused to relinquish the funds. However, I contacted XXXX again on XX/XX/XXXX after reading and hearing about other consumers who have had problems with XXXX. Not only BOA, but other banks as well were discussed in these articles. This time, the lawyer gave me your information and encouraged us to consult you and see what could be done. I have documentations of all that I described to you and can send them to you. 
Thank you in advance for your help in this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MN

Complaint narrative:
In XX/XX/2021, I received a notice from XXXX XXXX XXXX, MN that not all of my RE property taxes were paid. I called BSI Financial and notified them that our property has 4 separate property identification numbers. I also notified them that 3 of the 4 RE taxes were not paid. I gave them the parcel numbers and was informed that I would not be assessed any penalty for this error. In XX/XX/2021 I received another notice from XXXX XXXX XXXX, MN indicating that the RE taxes for 3 parcels were still delinquent. I called BSI Financial indicating once again that they did not pay all of the RE taxes on my property and sent them information to their customer care email address. On XX/XX/2021, I called XXXX XXXX XXXX and was informed that 2 parcels still have outstanding RE taxes. 
I have 4 property ID 's : XXXX -- unpaid RE taxes of {$1200.00}, due before XX/XX/2021 XXXX -- unpaid RE taxes of {$2.00}, due before XX/XX/2021 XXXX -- RE taxes are paid XXXX -- RE taxes paid ( I paid these in XX/XX/2021 ) I have called BSI and have left two very detailed voicemail messages for XXXX XXXX, XXXX x XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I have been trying to refinance my property for several months now and have been unable to do since my current mortgage company will not send me a copy of my forbearance letter which is needed to refinance. 

I have requested this 14 times and every time they say they will send it. It has not ever been received. Several times I have asked to speak with a supervisor, and the lower level people I am talking with tell me they can not do that and the supervisors do not take calls?? If they get paid to service my loan the least they can do is send me a copy of a mutually agreed upon form that everyone in there organization can see on their computer screen, but now one has the authority to send it to me? I have been handed off to several different departments and am always getting the same story. 

This is a company with bad policies that are not consumer oriented. I have been requesting this form since XXXX, and I am about to lose my second rate lock in a market where rates have increased dramatically. This is costing me money and a whole lot of time! I am hoping you can help me on this simple issue that should not have turned into a nightmare! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello I submitted my FTC paperwork along with a letter and proof of identity. This issue has still not been resolved. There is still multiple items that are fraudulent still being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, I outgoing wire transferred {$3000.00} from my Kabbage account to my XXXX XXXX brokerage account. For reference, Kabbage is not a bank, but a fintech company that has an account with XXXX XXXX XXXXk. And XXXX XXXX has an account with XXXX and receives the customer 's deposit money through XXXX. I logged in to my Kabbage account and fill out wire transfer form, Of course, I correctly typed my name and XXXX XXXX account number as Further Credit to. However, unfortunately, the money was transferred to XXXX 's XXXX XXXX account with the further credit XXXX XXXX account number missing. On the XX/XX/XXXX phone call, the XXXX XXXX Money Movement team confirmed to me the situation below. They confirmed that {$3000.00} was deposited into the XXXX ' account, but XXXX XXXX could not deposit the {$3000.00} into our XXXX ' account because my XXXX account number accidently was missing, so XXXX XXXX confirmed that the {$3000.00} was returned and deposited to XXXX XXXX on XX/XX/XXXX. And they asked me to contact Kabbage and gave me a Federal Transaction Reference # ( XXXX XXXX XXXX XXXX XXXX XXXX ) or XXXX XXXX QMGF XXXX XXXX XXXX. For over a month now, I have inquired countless times with Kabbage wire team and XXXX XXXX, but Kabbage says there is no record or indication of returned {$3000.00} from XXXX XXXX XXXX XXXX, so Kabbage team they are no longer responsible and can no longer help me It has been over a month with both companies only evading responsibility. I sent money by filling out the wire transfer form correctly without any mistakes, but It's so upset and angry situation that I couldn't find the {$3000.00}, so I couldn't sleep and feel like died. My wife is crying every day because she feel so unfair, nobody trying to help us. Please please help me so I can find {$3000.00}. This is a big money that more than 2 Month rent for me. my email is : XXXX My phone # : XXXX XXXX XXXX XXXX XXXX resolution dept. XXXX ext : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX KABBAGE ACCOUNT NUMBER XXXX XXXX XXXX Account number XXXX This is the wire transfer Form I fill out from my Kabbage online account. 
Beneficiary Account Name : XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX XXXX Note : For Further Credit to XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I began law school in XXXX of XXXX. Since then, UAS Connect has requested payment and submitted " past due '' notices and reports to credit bureaus 9 times. The reports on my credit report reflect past due payments for XX/XX/XXXX, XXXX - XXXX of XXXX, and XXXX - XXXX of XXXX. Not only did I dispute these reports on XXXX XXXX over 6 times, I emailed UAS customer service 3 times between XXXX and XXXX. I received one response on XX/XX/XXXX citing that they corrected my deferment status. However, they made no attempt to correct my credit score. Each time learned a payment was late, I paid them because I did not know any better. 
I recently spoke with a representative, seeking payment on my " past due '' account on XX/XX/XXXX. I told her that my account is and was in deferment from XXXX XXXX. She confirmed that each past due notice was made in error and that I should not have been penalized on my credit report. However, no correction has been made. I called a second time on XX/XX/XXXX to request the changes be made immediately, but was told doing so is " impossible. '' As a result of their refusal to correct 2 years worth of negligence, my credit score fell upwards of 200 points. I can't apply to the only credit cards or car loans I can afford. Most importantly, I have to delay my application to the California Bar until my credit score is repaired. UAS Connect was put on notice in XXXX, again in XXXX, and for the third time in XXXX. UAS 's conduct is not only predatory, but reflect willful violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XXXX 2021 Past-due bills from original creditor received. Never an original bill received. Calls to the number provided resulted in unreasonable long waiting times and I was never able to reach a human operator to discuss the nature of the bill. 
XX/XX/2021 Company Credit Collection Services ( CCS ) contacted me about a debt they are trying to collect. No supporting information was send with this collection notice ( CCSXXXXf ) XX/XX/2021 I responded to this request in written form asking for more information. I'm specifically interested into the original bill of the original creditor. Due to me only having one interaction with this company, it would be easy to determine if the requested amount is valid ( which I think it's not ). 
In this communication it is stated that the debt is disputed. ( XXXX XXXX ) XX/XX/2021 CCS responded but failed to provide the original bill, instead they send a past due notice of the original creditor. ( CCSXXXX ) XX/XX/2021 I responded asking specifically about the original bill and all associated transactions of my account with original creditor. 
XX/XX/2021 CSS reported this disputed debt to the credit bureaus. 
My complain is that CCS should not report a disputed debt and that CCS could not provide even the minimum asked for of information to support their claims.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: CT

Complaint narrative:
XX/XX/2021 I reported fraudulent activity on my account current card was canceled and new debit card was supposed to be sent out same day I allegedly supposed to get it by XX/XX/2021. Instructed to go to nearest branch to get atm card. XXXX XXXX XXXX XXXX bank manager left early unable to obtain atm card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XX/XX/2021 I sent notice to remove the alleged bankruptcy. I also attached the proof that XXXX removed the item since they furnished it. In XXXX I also sent notice that the bankruptcy sent stating that they do not give information to XXXX. Im demanding an audit trail and the original instrument 15 U.S. Code 1692g ( IM DEMANDING VALIDATION & FULL AUDIT TRAIL ) attached is also my FTC report for this items.

15 U.S. Code 1692g - Validation of debts U. S BANKRUPTCY ( alleged filing and a copy of the court docket ) 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : ITEMS MUST BE DELETED DURING NOTICE OF THE DISPUTE FROM 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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 at XXXX XXXX, I called Experian at XXXX to file 3 separate disputes with regards to incorrect information on my report. After explaining the information to the representative, the representative refused to take the report as the representative stated that they are not allowed to dispute information that is considered accurate. I requested to speak to a supervisor and refused to transfer me to a supervisor and refused several times to take the dispute. Credit report # 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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My name XXXX XXXX. my SSN is XXXX. I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but or immediately or delete the negative items but its seems your ignoring this. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: NY

Complaint narrative:
I bought out the lease for a XXXX XXXX XXXX in XXXX, XXXX and I have still not been able to get US Bank to release the title to me. I have been to the DMV in my state and they said that US Bank has had the title since XXXX. I have a bill of sale and a copy of the title but no actual title. I have carried insurance on the vehicle to protect my investment but can not drive the car. I call every week and I get no where in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
My account was sold to another collection agency and when I submitted information that they no longer own the account XXXX refuse to rekey XXXX XXXX XXXXXXXX from my report because they submitted that they still Own the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Me and my wife was approved for a XXXX loan with 5th 3rd bank on XX/XX/2021. After that we was on a house hunt that lasted until XX/XX/XXXX, we submitted our offer and the owners accepted the offer. After that we scheduled an inspection. The inspector came out Monday XX/XX/XXXX we paid him for his work. We also gave a check for the XXXX money deposit to the title company that same day. Between the dates of XX/XX/XXXX and XX/XX/XXXX we filled out a lot of paperwork and paid an XXXX fee for {$390.00}. XX/XX/XXXX we received a appraisal for the home. Our close date was XX/XX/XXXX. We did everything we was asked to do, I got a quote from the insurance company, we gave bank statements multiple times, filled out more paperwork. We gave all they needed but it was always more that they forgot that we needed. So we missed the first closing date. Next date XX/XX/XXXX, had to pay all taxes on current home I own out right, for some reason, but I did that as well. Had to submit multiple letters of explanation, did all of that as well. We did everything they needed everything. Now today I get a call saying they cant do anything for me because I was given a loan to fix my primary home from XXXX a government company. I live in zip code XXXX that area was in a state of emergency XX/XX/2021 due to floods this year my basement flooded almost to the second floor. Needless to say the home was heavily damaged and needed serious repair. I fixed the house with money we had for savings to buy us a new home in the future. When I found out about the sba loan we applied and was immediately accepted once they seen the home. That money was to replace some of the money we lost in savings. Due to the Sensitive nature of the situation this should not be something that hold us back in this loan process. It took them until XX/XX/2021 to tell me this. Communication was non-existence. They have been going over this paperwork multiple times and it was even audited. I can not understand how everything was good but now its not. This company is by far the worst I have ever dealt with. The online reviews of this company says it all. 1 star out of 5, what a joke. The attach files is the reason that I am not able to get the FHA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit report shows an account with XXXX XXXX that does not belong to me. I have contacted the credit bureau to let them know that I've never had any loans, credit cards, etc. with any company named XXXX XXXX and asked them to remove this erroneous account from my credit reports, but I'm not having any luck getting them to remove it. The credit bureau continues to say they have " verified '' this account belongs to me, but when I question how they " verified '' it, they just give me a scripted answer, citing " various sources for verifying information '' and tell me it is my responsibility to contact XXXX XXXX if I'm not happy with the results of their investigation. I shouldn't have to contact anyone, since I've never had an account with XXXX XXXX. Please contact the credit bureau and explain to them they need to take this erroneous account off of my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name XXXX XXXX. my SSN is XXXX. I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but or immediately or delete the negative items but its seems your ignoring this. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investagate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified.As by FCRA requires agencies to remove most negative credit information if it is inacurate, unverifiable, invalidated, and incorrect

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