vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: CITIBANK, N.A.
State: IL

Complaint narrative:
i asked citibank if they could cut down on number of hard inquirys on credit report they told nothing they could do about it because it was factual when guy i called in XXXX just checked my credit without ne asking him to do so or him asking me

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 2022-01-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I started to get credit to build my credit ; instead, of paying for things with cash is what my exwife suggest I should do. I also noticed that some of the things that I received on credit and paid it off without missing nor short on payments in its timely manner I did not receive points for. But, this one credit that was XXXX that was payed off with in a year that was supposed of been without interest as long as it was paid off within a year but there was interest ; so, I paid it off anyway on XXXX the account was open on XXXX and my credit score dropped after it was paid off by six to nine points. Instead, of it increasing by sixty, ninety points or more. Yes I called Experian after I filed an dispute and said, I dont understand how my score dropped instead of going up when I maintain payments, never late and paid it off in a timely manner. He quate discuss it with a Credit advisor. I told him, it makes no since to discuss it with a credit advisor when the whole idea of getting credit and maintaining it by paying it off in its timely manner is to build credit ; so, why would I want to discuss it with a credit advisor?

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 2022-01-09 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: IL

Complaint narrative:
i asked XXXX if they could cut down on number of hard inquirys on credit report they told nothing they could do about it because it was factual when guy i called in XXXX just checked my credit without ne asking him to do so or him asking me

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 2022-01-09 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:
i asked XXXX if they could cut down on number of hard inquirys on credit report they told nothing they could do about it because it was factual when guy i called in XXXX just checked my credit without ne asking him to do so or him asking me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My federal loans were transferred to Aidvantage in XX/XX/XXXX. They say I have a payment due in XX/XX/XXXX despite federal loans being frozen until XX/XX/XXXX. I have contacted them multiple times and received no response. 

I would like them to update my account so it is compliant with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
received notification that my credit was checked from STATEWIDE CREDIT SERVICE on XXXX XX/XX/2022 without my consent. I called them to figure out what was going on and they were very rude and hung up. I have had issues with them before as they called my landlord and they shared my personal none public information with the landlords wife and they are both in XXXX XXXX NY thinking the landlord wouldnt tell me. I believe they did this inquiry to found out my new address. These people are violating the law and have absolute disregards to adhering to your department and the Law, and I need this to cease and desist and fined according to the FACT ACT and regulation V. Please advise/ Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX reporting agency keeps reporting inaccurate information on my car loan threw XXXX  XXXX XXXX as the balance, also they are messing up my on time payments months are passing and theyre not updating months that a paid to my accounts and it is hurting my score, also they have not updated my payment history and balance on mostly all my accounts can somebody please help me with my problem because I am trying to better my situation and they are giving me a hard way to go by not accurate presenting my credit history. I sent out letters and reports to XXXX threw certified mail backing me reach outs to them. Also they have been failing to accurately update the the monthly records of payments. I also have the letter from the company stating that inquiries where made fraudulently with my social security number and I wanted the inquiries removed because it is becoming an hard ship on me and I know according to the FCRA legally those unverifiable, and inaccurate information must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: PA

Complaint narrative:
XXXX reporting agency keeps reporting inaccurate information on my car loan threw XXXX XXXX XXXX as the balance, also they are messing up my on time payments months are passing and theyre not updating months that a paid to my accounts and it is hurting my score, also they have not updated my payment history and balance on mostly all my accounts can somebody please help me with my problem because I am trying to better my situation and they are giving me a hard way to go by not accurate presenting my credit history. I sent out letters and reports to XXXX threw certified mail backing me reach outs to them. Also they have been failing to accurately update the the monthly records of payments. I also have the letter from the company stating that inquiries where made fraudulently with my social security number and I wanted the inquiries removed because it is becoming an hard ship on me and I know according to the FCRA legally those unverifiable, and inaccurate information must be removed from my 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 2022-01-09 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: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence or agency. Please see attached.

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 2022-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
Hi, I am not sure where to go next with an issue with my mortgage service company ( BSI Financial ). I am looking for help who to contact next and what to do. 

I am encountered several issues. My current issue is that BSI is charging me a late fee of {$58.00}. The reason for this that they did not cash the check sent to them which is on auto pay with XXXX. 

XXXX sent out check on XXXX - However, BSI on cashed in on XXXX. 
XXXX ( Recurring ) bsi Interest Checking- {$1.00}, XXXX Bill Payment : Check Cleared on XX/XX/XXXX Therefore, BSI posted a late fee of {$58.00}. BSI claims the issue is on my side which I don't believe. XXXX has been very reliable. 
I called BSI and they told me that they would request a waiver ( not sure why customer service could not waive ... ). However, they told me they do it only once a year. I did already have a late fee not to my vault. I already worked with them on another issue with wrong escrow charges. The last call is now two weeks back, and they did not waive the late fee. 

Some background : I refinanced my mortgage with XXXX in XXXX of XXXX. The mortgage got transferred to BSI Financial. At the beginning I had no issues. But out of the blue I got past-due notices. It turns out they paid my property tax. However, my mortgage is a no-escrow. So, they dis not charge me monthly for escrow. However, they debited my account and as a result told me I am past-due as I only paid regular mortgage payments. XXXX county refunded BSI automatically as they noticed that they got overpaid as I made the property tax payment earlier myself. You would think the issue would then resolve itself. But no. BSI did not credit my account for the refund from XXXX county. 
I then enter the phase of calling, being promised things are resolved etc. Trying to get in touch with somebody is nearly impossible. 

After several interactions I did not know what to do next. I filled a complaint with XXXX  However, this did not lead to a resolution. I got letters from " BSI Financial '' telling me that the issue is resolved. I also had more calls where I was promised the issue is resolved. Well, just today I got an other past-due notice. Calling them is nearly impossible, it takes several hours of effort to get in touch with them. I also have a job .... 

This has been dragging on for months. I never encountered a situation that couldn't be resolved. 

I don't know what to do next .... 

Also, XXXX  " BSI Financial '' tells me I am not alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Since I have over 22 % equity in my home, I no longer am required to pay mortgage insurance. I requested to have the mortgage insurance cancelled, but Caliber denied the request without providing an explanation. Also, since I have over 22 % equity in my home, it is no longer a requirement that I make escrow payments to Caliber for homeowners ' insurance. I requested Caliber to stop charging me for these escrow items. On XX/XX/XXXX, I spoke to an employee named XXXX. XXXX said that Caliber will continue to change me for the escrow items, to include the homeowners ' insurance and that my request to discontinue escrow payments has been denied by the management of Caliber Home Loans. XXXX 's operator ID is XXXX. I asked XXXX why the XXXX homeowners ' insurance payment was not made to the insurer, XXXX XXXX. XXXX stated that Caliber Home Loans is going through bankruptcy and payments to all insurance companies had been suspended indefinetely. Despite faithfully and consistently making the escrow payments throughout the year, Caliber did not pay the homeowners ' insurance. The homeowners ' insurance was cancelled by the insurer with an effective date of XX/XX/XXXX. I had to pay the premium of {$2100.00} to XXXX XXXX out of my own pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: GA

Complaint narrative:
I submitted a dispute for these account on XX/XX/2021, and I have not received a response or communication back from this company. It has now been over 35 days, as the original creditor I deem this account unverifiable and I want this account deleted from my credit report as per the laws pertaining to the Fair and Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Subject : Disputing Information in Credit Report To Whom It May Concern : I hope this letter finds you well. I am writing to dispute the following information. 


I am a Bank of America customer for more than 8 years. As you see on my credit report ( s ), I never had late payments in my life. I used to have an Auto Pay based on the statement balance. I have had this credit card ( XXXX ) since XXXX and it was set on autopay for recurring charges. I left the country for 3 weeks and checked the Auto Pay in XXXX. Unfortunately, due to a glitch on the international IP of the Bank of America website, my auto payments didnt kick in. I didnt realize that until I am back XX/XX/XXXX, when Im back. I paid it immediately for sure. I called the Bank of America and they waived the fees and interest charges due to technical glitches on their Bill pay page in the XXXX XXXX. After the investigation, It turns out their system changed my residential address and cut the autopay. 

They didnt remove the delinquency due to their mistake. It hurts my credit applications. This should be a goodwill adjustment but its a bad-will adjustment on their side and this should be illegal. Please help me to remove this delinquency report from my account as soon as possible. Thank you! 

I have copies of the record of payments made, the waivers, and the error code on their website supporting my request. Please reinvestigate and remove this delinquency report from my records as soon as possible. 

Thank you for your time and consideration! 

Sincerely,

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 2022-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: MO

Complaint narrative:
On XX/XX/XXXX an Appointment of Successor Trustee was filed in the XXXX XXXX Missouri Recorder of Deeds. The document is XXXX XXXX. The Grantor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX but trustee for XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
The Grantee is XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX. The Mortgage Holder XXXX Mortgage XXXX XXXX and XXXX XXXX were not registered with the SEC. XXXX XXXX XXXX. By acting as Attorney in Fact for XXXX XXXX XXXX doing Business as XXXX XXXX XXXX for XXXX Mortgage XXXX in appointing XXXX and XXXX  as the successor trustee Selene Finance was purporting that the loan was owned by this trust before the mortgage was foreclosed on. By acting as the successor trustee in executing the Successor Trustee Deed Under Foreclosure on XX/XX/XXXX, XXXX and XXXX  was purporting that the loan was owned by XXXX XXXX XXXX XXXX doing business as XXXX XXXX as trustee for XXXX Mortgage XXXX, The foreclosure was scheduled for XX/XX/XXXX and rescheduled for XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX submitted documents to the XXXX 's that he purchased the property on XX/XX/XXXX. The letter was produced on the letterhead of Attorney 's XXXX and Associates XXXX XXXX XXXX  XXXX, Mo XXXX. Phone Number XXXX XXXX stated that he did not buy the property on XX/XX/XXXX that the sale was XX/XX/XXXX. XXXX XXXX with his attorney XXXX and XXXX gave the XXXX 's a on XX/XX/XXXX a notice to file and Unlawful detainer. Under Missouri law XXXX XXXX notice of the date of foreclosure sale must be given to the tenant. This was on the notice is XX/XX/XXXX, XXXX law in Missouri under statue XXXX.that if the sale does not happen within seven days of the notice the lender has to start all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: PA

Complaint narrative:
i have alot of inaccurate acoounts on my credit report that does not belong to me i feel really upset about this matter and willing to file a lawsuit i reach out to transunion XXXXand XXXX about theses issues its stop me from getting a mortage from fha please help me resolve these problems 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 2022-01-09 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: PA

Complaint narrative:
Been dealing with unauthorized use of my personal information which results in unidentified results 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 2022-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
To Whom It May Concern, I hope this email finds you well. 



In the XXXX XXXX I received a promotional snail mail from TD Bank. Then, I used TD Bank 's website for the promotion : checking & savings account bonus for {$500.00}. I applied it then I sent a secure message to customer service to confirm my eligibility before I deposit any funds and set up direct deposits. I got a reply from XXXX ( XXXX XXXX XXXX XXXX ) with a confirmation message and the deposit requirements as you mentioned. You can see our secure messages and transactions & statements in the attachments. I completed all of the steps & requirements within 3-4 months. After 4 months, she told me that I am not eligible for the bonus anymore but TD bank sent me the promotion via snail mail first and I double-checked with customer service to confirm my eligibility before I do any deposits. I always do this. 



This is a serious click-bait scene. If I wasn't eligible, you'd have told me in the first message before I do my deposits. There is a serious unethical non-customer-friendly practice right there. Otherwise, I'd close my account without depositing a penny or keep it as a regular checking account. Excuse my language but, they made me feel like a stupid customer. Personally, It was quite insulting. You also cut a lot of maintenance fees from my account instead of giving the bonus. I paid the fees for sure... I'd like to get my {$300.00} checking and {$200.00} savings bonus ( totaling {$500.00} ) promotion to cover my losses and dignity. 



I tried to resolve this issue with customer service but we got no response at all. I tried to get help from Massachusetts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but she never heard back from TD Bank as well. In the meantime, You did a similar click-bait to my wife as well with no bonus at the end. We wanted to give TD Bank another chance but TD bank betrayed us again. We are working with a lot of banks, investment & wealth management corporations, and brokers. We always receive our bonus for security transfers, direct deposits, savings accounts, etc. 

In the end, they never did what TD did. Unfortunately, this clarifies TD Bank 's unfair business practices with these bonus offerings to gain ( or click-bait ) new customers. TD Bank should avoid these unfair business practices. Please understand my great frustration! 



Thank you for your time and consideration. You will see the bank statements and my confirmation messages as PDF attachments. 



Sincerely

Company response to consumer: Closed with explanation