vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BCI FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I secured a mortgage in XX/XX/2020 with City National Bank Bank. At the beginning of this year I received a notice ( attached ) that the servicer had changed from City National to XXXX XXXX XXXX. I also received a notification from XXXX ( attached ) of a change in Creditor. I received my XXXX statement form XXXX  and make that payment to them. At the end of XXXX I received a statement from City National that I was delinquent on my XXXX. When I contacted them, they had no record of the loan/servicer being transferred. So effectively, I have two servicers collecting on the same mortgage. I have opened " cases '' with both servicers, but in two weeks neither has made any progress in resolving the issue. Attached are XXXX statements for each. 

I contacted the trustee listed on the Change in Creditor notice who indicated that XXXX XXXX XXXX was in fact the servicer ( see attached ). I forwarded this to City National and they have been unresponsive. XXXX has been actively trying to resolve this for me although I opened an earlier complaint ( XXXX ) for a insurance related servicing issue I experienced when they assumed servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: TX

Complaint narrative:
This complaint is in regards to a duplicate account on both my XXXX and Equifax consumer reports. The XXXX XXXX XXXX  account ending in XXXX is a duplicate under a different name XXXX In case these consumer reporting agencies need to be educated on the law, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

There is absolutely no excuse for this type of negligence. I demand this invalid account be removed from my credit file immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
ive tried to change my address and let them know i never lived in any of the places on my credit report but they wont remove the other address of my profile

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 2022-03-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been calling XXXX ( XXXX XXXX  XXXX ) since XX/XX/2022. I sent them a written statement through fax # XXXX. I have not received any information regarding any update. As of XX/XX/2022 I had made XXXX more attempts to send in my letter but they have been stating they never received it. I sent it 2 times through fax again & another through email. Every time that I call them EVERY representative gives me different information regarding the situation & I dont know what to believe anymore. I spoke to 2 supervisors name XXXX ( badge/employee # XXXX ) & XXXX ( XXXX # XXXX ) & they both said they would expedite the problem but NO response at all yet. Nothing has been resolved. I am trying to get something removed from my credit report by this merchant so I can get a home mortgage.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I have previously been a victim of Identity Theft. I recently disputed an account that was originally XXXX XXXX XXXX  XXXX XXXX ... .account # XXXX ... ... this account was proven to be fraudulent and has been removed from my CREDIT REPORTS several times and they keep fraudulently putting it back. It has now been purchased by XXXX XXXX XXXX one of the slimiest collection companies/debt collectors around. But this is the SAME ACCOUNT that was proven to be fraud so the XXXX XXXX purchased a FRAUDULENT debt and has now put in on my CREDIT REPORTS again!!! all the bureaus did was update the account they did not REMOVE IT AND DELETE permanently as it should. I really think it's time to file a LAW SUIT ... ..this grimy collection BUREAUS NEVER do their jobs and protect us the consumers.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I have previously been a victim of Identity Theft. I recently disputed an account that was originally XXXX XXXX XXXX  XXXX XXXX ... .account # XXXX ... ... this account was proven to be fraudulent and has been removed from my CREDIT REPORTS several times and they keep fraudulently putting it back. It has now been purchased by XXXX XXXX XXXX one of the slimiest collection companies/debt collectors around. But this is the SAME ACCOUNT that was proven to be fraud so the XXXX XXXX  purchased a FRAUDULENT debt and has now put in on my CREDIT REPORTS again!!! all the bureaus did was update the account they did not REMOVE IT AND DELETE permanently as it should. I really think it's time to file a LAW SUIT ... ..this grimy collection BUREAUS NEVER do their jobs and protect us the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: WI

Complaint narrative:
Hello, My credit has not been updated accurately, I have paid all of my bills on time, and I recently found out that my car payment was not report for over 5 months so, that effects my credit score also this month they drop my score stating my balance on my car went up which is not correct. I pay over the amount due every month. This needs to be corrected I am looking to buy a house and with these in accuracies and discrepancies I will definitely have issues. I have filed several disputes with the bureau, and they have not been resolved.

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 2022-03-10 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: Great American Finance Co
State: FL

Complaint narrative:
I received an alert that a new account was added to my credit report that I did not open. I called the company and was advised to start fraudulent claim. I never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sunlight Financial LLC
State: IA

Complaint narrative:
I signed up for solar panels to be installed at my home bill swap was the program. The company ( XXXX  XXXX  ) went bankrupt. Sunlight financial ( XXXX XXXX XXXX  ) had still been drawing payments from my account. I disputed those payments with my bank after calling them for months asking for resolution. I started the r gram XXXX of XXXX. No one ever came out to finish the job and I followed up with mid XXXX who verified they never even applied for bill swap. Sunlight told me XX/XX/XXXX they do not know what they are going to do with all the customers like me that were in process. Bottom line they did not fulfill the contract and I havent received the services.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has negatively impacted my creditworthiness score by refusing to post information about my student loan that was recently transferred from XXXX to Department of EducationXXXX XXXX My Equifax XXXX has recently declined by XXXX points as reported by XXXX XXXX on XX/XX/2022. However, when I checked my credit reports via Annual Credit Report, my student loan with the Department of EducationXXXX is already reported by XXXX. I am concerned that Equifax will continue to delay and negatively impact my credit score by not reporting my student loans that are now under Department of Education/XXXX and that it could be based on my race and age.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Siggi LLC
State: AP

Complaint narrative:
Im a military veteran and customer of Omni financial and Ive had credit card loans with them for a few years and Ive been charged a very high interest rate and am looking for it to be resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
We had a house fire in XXXX and the construction company completed their job in the middle of XX/XX/2022. The insurance made all the payments to us and to the mortgage company, fifth third bank. Unfortunately the fifth third bank has not paid us all the money that need to be paid to the contractors. 

The home was inspected first after the roof was replaced and it took over a month for them to make a partial payment. Then two inspections were done after all the work was completed and the inspector told us that they reported as 100 % complete. But fifth third bank is still holding to the money even two months after the work is completed.

I made several efforts to call them and communicated with them about the issue, but they don't care. We had to make several of the payments out of pocket due to this issue. This is giving us a lot of stress and anXXXX  and it needs to be resolved. We requesting a penalty as well to this bank due to their negligence in remitting the money to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska XXXX Transunion Credit Services : Submitted a XXXX  Complaint with my XXXX credit card account, opened XX/XX/XXXX, limit {$1800.00}, ending in XXXX. Account was erroneously submitted as being 30 days late. XXXX  complaint # XXXX states that the bank submitted the following response : " XX/XX/XXXX Submitted via XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Submitted via XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, I am responding to your inquiry we received from the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I appreciate you bringing this matter to my attention. 

On XX/XX/XXXX, XXXX XXXX  electronically requested all major credit bureaus delete all late payment history regarding your XXXX XXXX XXXX ( r ) account from your personal credit history. 

From your inquiry, I understand the update has not been reflected on your personal credit file as of yet. I have submitted a new electronic request to update this information and attached a copy of the XXXX XXXX XXXX, XXXX  number XXXX illustrating this request. The updates to your personal credit report may take up to 60 days. After this 60-day time frame, please reference AUD number XXXX when contacting the XXXX major credit bureaus. Their contact information is as follows : XXXX XXXX XXXX XXXX Mail Drop XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Thank you for the opportunity to respond to your concerns. 
________________________________________ I then submitted 4 disputes with transunion regarding this account, each time they responded that the disputed information has been verified as correct, yet it still shows under " derogatory accounts/ accounts with adverse information '' on my credit report with Transunion. It also shows up under " Payment Status '' 30 days late & 30 days past due date. 

XXXX : same story, submitted 2 disputes with XXXX, this still has not been removed from XXXX 's derogatory accounts : " Payment status : '' Not more than two payments past due " Date of first delinquency : '' XX/XX/XXXX XXXX was the only Credit Reporting agency to update this correctly.

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 2022-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I refinanced the loan # XXXX M & T bank on XX/XX/XXXX. I was due an escrow refund in the amount of {$2300.00}. It was never received. The financial institution continues to give me different information each time I call. They are claiming each time i call to put in a request for the refund it is 30 business days before they will process it. I called on XX/XX/XXXX and they assured me the check had been cut and verified the mailing address. Today XX/XX/XXXX they claimed that the address was not updated and XX/XX/XXXX makes the 30 days from request. I need 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 2022-03-10 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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00}

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 2022-03-10 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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

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 2022-03-10 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I'm having so many issues with American Express to get my past due reporting fixed.. My closed Gold card was reporting past due XXXX XX/XX/XXXX 60 days XX/XX/XXXX because of past due fees and finance charges, I thought I paid my account in full but later received a letter that the fees had been waived. I called to check on the reporting around XX/XX/XXXX and the person told me that the past due reporting had been removed due to the nature of the balance. I recently reviewed my credit report and the past due history continues to report. I called a couple weeks ago and the agents were less than useful, for people working for one of the best credit card companies, they did not know what they were doing. They kept telling me that they don't have records of the reporting past XXXX, but if you're reporting the information to the bureaus you need to keep records of the information. The " supervisor '' told me that a case would be opened to have the information reviewed but when I called back today, the agent wasn't able to provide any case information ( this agent was great btw, not a lot he could do to help ). As much as I love my Platinum card, the service I receive is not what you'd expect for a {$600.00} XXXX. All I need is for the information to be updated like I was promised by the agent I talked to a few years ago. If there is no record of the call where I was given incorrect information and then it should be removed because of poor record keeping. It's ridiculous that for a company like American Express, there are so many hoops to jump through just to get information about my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST FINANCIAL BANCORP
State: IL

Complaint narrative:
A man called XXXX XXXX claimed to be investing some money I had while I was just being treated with XXXX and followed by XXXX and XXXX. He had me sign 5 checks from my XXXX XXXX  First Financial in XXXX, Ohio on XX/XX/2018 claiming he was an employee of an investment company called XXXX ( XXXX ). These checks were redeemed thru 4 suspicious companies for XXXX  When I was aware of what had happened. I contacted my bank and was quite upset because these checks emptied my account. In the past, the previous three bank owners would have phoned me immediately to check on me. I was a customer for 33 YEARS at that branch. 
I did complain repeatedly over the years to First Financial and asked for follow up. I am receiving no serious service or response. The bank has all of my information in their computer, even copies of the checks. 
I contacted the SEC and various XXXX resources ( He now resides in the XXXX ( XXXX XXXX ) ). He has 5 names and his spouse has 3. The money has disappeared.

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