vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 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: GA

Complaint narrative:
I am submitting this complaint due to the inconsistencies of my XXXX credit scores from the three credit bureaus. My XXXX  XXXX  score is XXXX. However, my XXXX score with Equifax is XXXX and XXXX  is XXXX which is over a XXXX point difference. Their explanation is that since my husband and I hit a snag in his income early in 2019 and had late payments on two accounts, then we will always be late making payments, which is not a fair assessment on anyone because life happens. Also, our income is far greater now than two years ago and we have consistently made on-time payments on all of our accounts and have never been late on our automobile loan, which is the largest debt in the past 3.5 and no late payments in over two years on any other accounts. This is not fair credit reporting nor fair in my scores and there should not be a 50+ point disparity across the three credit bureaus. It seems that during the pandemic, Equifax and XXXX  has fallen asleep in updating my FICO scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2021, ,Called Wells Fargo Bank , ,To Apply For, ,The Covid19 Assistance Program On, ,That They Was Offering,,, Went Online ( 3 ) Time To Apply, The Application Was Blocked On Line,,, And I Spoken To A Banker, ,Though Overdraft Protect,, He Said That They Stop Taking Applications, ,But Went Online 2 Before XXXX, ,So UnAcceptable, I Did Received ( One ) Settlement Check,, For, XXXX, ,On XX/XX/XXXX, XXXX, ,I Do Believe That This Company Owes Me And My Family More, ,This Company Is Really Messy, ,It Also Ruined Me And My Family Life

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 2021-06-26 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: IL

Complaint narrative:
For the past couple of months I have tried to get two late payments updated to paid on time and not late. I spoke with XXXX credit services and the President of Consumer reviews in the credit department. Because of my recent great credit history she agreed to updated the payment status to agreed and not late for payments in XXXX and XXXX of XXXX Credit agencies still haven't updated the information yet and I have sent in numerous letters to the bureaus and nothing yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: IL

Complaint narrative:
For the past couple of months I have tried to get two late payments updated to paid on time and not late. I spoke with XXXX credit services and the President of Consumer reviews in the credit department. Because of my recent great credit history she agreed to updated the payment status to agreed and not late for payments in XXXX and XXXX of XXXX Credit agencies still haven't updated the information yet and I have sent in numerous letters to the bureaus and nothing yet.

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 2021-06-26 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo as a data furnisher is not living up to the charge of making sure that what they supply to the CRAs is 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 2021-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I closed with TD Bank on my refinance on XX/XX/XXXX, loan number XXXX. 

On the closing disclosure I was quoted a monthly payment of {$2400.00} including escrow of {$1200.00}. The closing disclosure noted quarterly property taxes of {$3300.00} and annualized hazard insurance cost of {$1800.00}. I prepaid {$2400.00} into escrow and made monthly payments of {$1200.00} starting XX/XX/XXXX. 

We are now 13 months into the mortgage, and TD has sent me a notice indicating an escrow shortfall of {$3200.00}. My quarterly taxes have gone up only $ XXXX and my hazard insurance has gone up only {$54.00} annually. 

My total payments into escrow from closing through XX/XX/XXXX were {$17000.00}. TD 's total expenditures for that period were {$16000.00} ( which included three extra months of hazard insurance to adjust from XXXX through XX/XX/XXXX ), so as of XX/XX/XXXX the escrow should have a positive balance of {$1700.00}. TD projects expenditures of {$15000.00} during the next escrow cycle and payments of {$15000.00}. 

I understand the need to cover the shortfall of about {$830.00} between the {$1700.00} positive balance as of XX/XX/XXXX and the required reserve balance of {$2600.00} but TD doesn't appear to be able to explain the additional {$2400.00} that it wants to collect for XXXX. I have contacted TD three times on this and the third time I was told that TD needs to start collecting this amount against the XXXX hazard payment due in XX/XX/XXXX, so in effect they are collecting three years of hazard insurance in two years of escrow payments. 

The requirement to escrow an extra year of hazard insurance premiums in the first two years of the mortgage in addition to maintaining a continuous two months ' cushion, was never disclosed and seems like it should have been. If this is not a requirement, TD has made a mistake they refuse to acknowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
After having no issues as a Citi Bank customer for a long time, out of nowhere, there was a lot of fraud on my account. I called over and over again and waited and waited. Citi bank opened and closed a number of accounts for me and sent new cards but the fraud continued before I even received my new cards. All kinds of charges. I had to keep calling and calling and insist on talking to a supervisors before they agreed to close my account all together. My only income is Social Security XXXX. I agreed to pay {$35.00} a month to pay off the money owed on the account. Citi agreed to take this money out of my account via auto pay even though my account is closed. After my first payment of {$35.00}, Citi sent me a statement indicating late fees. I called and spoke to XXXX XXXX on XX/XX/2021 ( XXXX ). He refused to let me speak with a supervisor saying none were available. He refused to honor the agreement I set up with Citi in my previous call. I will not be charged fees and have my credit possibly impacted by something that was entirely Citi Banks fault from the beginning. I can not spend all of my time on the phone with Citi. This can not stand. Thank you for your help.

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 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020, I received a letter from BB & T notifying me that my checking account will be closed and the remaining balance will be refunded to me via mail. I think it is good since I am going to a state that does not have a BB & T branch. 

In XXXX and XXXX, I received the statement of the checking that should be closed and found I was charged about {$10.00} every month for maintenance fee or low balance. 

I immediately called BB & T about this issue. However, all the representatives told that they are unable to do with this, and gave me the number of fraud department and branches. I tried to call those numbers and just went cycle between these three departments. Or the representatives required me to go to a branch. But I am in a state that does not have a BB & T branch. 

Really tired. I spent tons of hours on phone calls, every month when I received the terrible statements.

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 2021-06-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Continuing to allow accounts to report that should have been removed a long time ago because the accounts are in an bankruptcy! Bankruptcy accounts are used against my credit report twice and has been going on for years!!! 

Equifax allowed an old finger hut account to flag my credit report for no reason! This account is currently in an old bankruptcy and I demand it removed at once! Along with other bankruptcy accounts that continue to report DEROGATORY that is against fair reporting and violating my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: OH

Complaint narrative:
I recently disputed an erroneous account on my credit report with equifax. The alleged account has so many inaccuracies, dates.. wrong name, address, incorrect amounts reporting across all bureaus. I received a response from equifax saying updated information was processed from a dispute from XXXX  and no real investigation was done because there is no way to correctly report it with so many inaccuracies on for account. I have submitted all the information needed to clearly verify my claim. I wish to have this deleted immediately because its defamation to my character and I know without a doubt I can win a case with the evidence I have. Thank you for your time. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a letter to CITI regarding the following disputed charges : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX, XXXX  XXXX XXXX  XXXX {$260.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX {$220.00} The above-mentioned charges on my XXXX statement represent disputed charges. These charges are far past the allowed timelines to charge back to my card, which represents a clear violation of the MasterCard cardmember agreement on which these charges were initially made. Shortly after, my account underwent a feature change and was converted to the Costco Visa card. However, these charges fall under the Citi XXXX XXXX MasterCard limitations. 
Recharging me for these disputed transactions 6 months later also represents a clear violation of Regulation Z and the XXXX. As such, it can also be considered a violation of DTPA for its deceptive violation of the CardMember Agreement, Federal Statutes, and the MasterCard Billing Dispute Practices Regulations. 
I requested CITI comply with current consumer protection laws and allowable timeframes, as well as provide the required documentation. 
To date, I have not received a response regarding any of these charges listed.

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 2021-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
Flagstar for the past two years has not made my insurance payment via escrow. In XXXX, I received a cancellation notice from XXXX XXXX XXXXXXXX due to lack of payment. I then conference called both Flagstar and XXXX XXXX XXXXXXXX to resolve the problem. In XXXX, it happened again. On XX/XX/XXXX I conferenced called both again to resolve. A check was supposed to be overnighted and the insurance would be updated. Yesterday I was working with a refinance company and found out that the insurance was never paid by Flagstar but there system was updated as the insurance was good until XXXX which is not the case at all. Our house has been unprotected since XX/XX/XXXX, XXXXdue to Flagstar not making a payment.

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 2021-06-26 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: CA

Complaint narrative:
I have tried several times to get the late payments reversed on this account! I am very upset that I have NEVER missed a payment. I need this adverse action removed from my credit report as I am an investor and this is causing headache to get approved from banks as I never miss my payments! Please remove it IMMEDIATELY. I have attached a bank statement and my identity proving me as the right person, and that I have always paid my payments on time. Thank you XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SC XXXX Phone : XXXX XXXX  XXXX  Experian Account # 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 explanation
Consumer complaint received 2021-06-26 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: OH

Complaint narrative:
Re : XXXX  card services I recently disputed an erroneous account on my credit report with transunion. The alleged account has so many inaccuracies, dates.. wrong name, address, incorrect amounts reporting across all bureaus. I received a response from XXXX  saying updated information was processed from a dispute from XXXX  and no real investigation was done because there is no way to correctly report it with so many inaccuracies on for account. I have submitted all the information needed to clearly verify my claim. I wish to have this deleted immediately because its defamation to my character and I know without a doubt I can win a case with the evidence I have. Thank you for your time. 
Regards, 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 explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It Has been more than 30 days since I sent my dispute letter to Transunion about investigating an inaccurate account on my credit report. Transunion has not responded to me via email or by mail with any results. Transunion is not upholding the law since it has been over 30 days with no response with my investigation. My dispute letter was mailed XX/XX/2021. They need to delete this inaccurate account from my credit report. ( 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
Consumer complaint received 2021-06-26 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: CA

Complaint narrative:
I have tried several times to get the late payments reversed on this account! I am very upset that I have NEVER missed a payment. I need this adverse action removed from my credit report as I am an XXXX and this is causing headache to get approved from banks as I never miss my payments! Please remove it IMMEDIATELY. I have attached a bank statement and my identity proving me as the right person, and that I have always paid my payments on time. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone : XXXX TransUnion XXXX XXXX Account # 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 explanation
Consumer complaint received 2021-06-26 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: CA

Complaint narrative:
I have tried several times to get the late payments reversed on this account! I am very upset that I have NEVER missed a payment. I need this adverse action removed from my credit report as I am an XXXX  and this is causing headache to get approved from banks as I never miss my payments! Please remove it IMMEDIATELY. I have attached a bank statement and my identity proving me as the right person, and that I have always paid my payments on time. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone : XXXX XXXX Equifax XXXX Account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
When considering booking a flight on XXXX I was offered a promotion for a American Express card, offering both a waived annual fee, a {$200.00} credit and XXXX airline miles. When I clicked through to apply for the card, a popup said I was eligible to apply for the card, but not for any of the " welcome '' benefits due to either having had a similar card before or the number of American Express cards I've had in the past. It feels like a bait and switch, and the reasons for denying the welcome offer are vague. I contacted a company representative on XX/XX/2021, and they said " I'm sorry to hear that you are not eligible for the welcome offer. Within the message that you received it should have the reason as to why you are not eligible. I would not have anything beyond what the message displayed, I'm sorry. You are still able to go forward with the application if you choose and take advantage of the main benefits that the card has to offer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint due to the inconsistencies of my FICO credit scores from the three credit bureaus. My XXXX FICO score is XXXX. However, my FICO score with XXXX  is XXXX and TransUnion is XXXX which is over a 50 point difference. Their explanation is that since my husband and I hit a snag in his income early in 2019 and had late payments on two accounts, then we will always be late making payments, which is not a fair assessment on anyone because life happens. Also, our income is far greater now than two years ago and we have consistently made on-time payments on all of our accounts and have never been late on our automobile loan, which is the largest debt in the past 3.5 and no late payments in over two years on any other accounts. This is not fair credit reporting nor fair in my scores and there should not be a 50+ point disparity across the three credit bureaus. It seems that during the pandemic, XXXX and TransUnion has fallen asleep in updating my FICO scores.

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 2021-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I contacted Firstmark Services to inquire about my loan terms because what I was seeing on my " welcome letter '' didn't match with my expected loan terms from XXXX XXXX. Roughly six weeks ago, and four or so additional times between now ( XX/XX/2021 ) and then, I asked Firstmark to send over their copy of my original promissory note so that I could verify my loan terms. They repeatedly told me that it would be coming " in a few days '' but have so far never delivered. I am concerned because those loans are coming due and I want to make sure I'm paying the correct amount.

Company response to consumer: Closed with explanation