vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
From XX/XX/XXXX- XX/XX/XXXX we requested and received Covid-related relief on our mortgage payments through Truist ( formerly SunTrust ). By XX/XX/XXXX we were able and eager to restart paying our mortgage. However, since then we have been sent incorrect paperwork to restart the payment process by Truist on multiple occasions. The representatives we have spoken with initially said this was due to confusion on the bank 's part after the merger with SunTrust. At one point we actually filled out the paperwork we had been sent and Truist began auto-drafting our payments ( as we had expected and was done prior to our Covid relief request ) but then reversed those payments saying we had been sent the wrong set of papers and those payments were somehow incorrect. 

After that they started telling us to call in to Truist monthly to make " good faith '' mortgage payments over the phone to avoid our account being reported as delinquent, which apparently happens if no payments have been made for 18 months. So we diligently did that monthly while we waited for whatever the correct set of papers Truist was supposed to send us ( which apparently takes XXXX weeks every time a new set of forms gets sent ). Then much to our surprise despite all of that our account was reported as delinquent to all of the credit agencies, again despite us making full payments over the phone with Truist since XXXX ( prior to that Truist had auto-deducted our bank account for XXXX other months but then reversed those charges ). 

So we have been in the sort of darkly comical situation where we have been eager and able to start our payments since XX/XX/XXXX, but Truist has been unable to actually accept our payments because of incorrect paperwork or merger issues. My wife and I have probably spent 24 hours on the line with various Truist representatives since this all started. Ordinarily we wouldn't actually care that much except that this has suddenly and dramatically affected our credit scores. 

When we discussed this with Truist, they told us to file reports with Truist and all of the credit agencies explaining this but then Truist said they investigated the account and everything still stands. The representative said on the phone they can see we've been making payments but they can't see where those payments are being applied or what account that money seems to be going into on Truist 's end.

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 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
accounts closed without my consent or authorization

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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because I noticed an insurance collection on my account. I was unaware of this collection and asked them to validate this debt. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this collection agency but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this collection agency is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from 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 explanation
Consumer complaint received 2022-12-31 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: DISCOVER BANK
State: AL

Complaint narrative:
Upon checking my credit report I notice a late payment that decreased my XXXX XXXX by XXXX plus points on XX/XX/2022. According to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose '' Discover is in violation of the FCRA, and can not report late payments according to the fair credit reporting act. I demand that discover remove the late from my consumer credit report or I will move forward with legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC
State: MS

Complaint narrative:
OPPORTUNITY FINANCIAL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX {$0.00} Highest Balance $ 1200 XXXX  payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Term XXXX  months Payment History Last payment XXXX XXXX, XXXX Current Payment Status In XXXX Worst Payment Status No Info Account Details Account status Derogatory Type Unsecured loan Responsibility Individual Remarks Payment after XXXX XXXX XXXX profit and loss Consumer Complaint Paid through collections, and the debt is still reporting as collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I used bill pay and instead of sending my payment electronically, they sent it by mail. I called multiple times and was finally able to get the {$4000.00} check canceled. I asked that all payments be sent electronically and they said they couldnt do that. 

My husband died 3 months ago. My name was always on the checking account. All of our payments were made electronically. This situation has something to do with his death.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
On XX/XX/2022 I discovered a new Chase credit carded had been opened in my name. I called immediately and shut the card down. Then on XX/XX/XXXX I noticed my packages I was expecting for XXXX from XXXX and XXXX other company were not arriving and the tracking status said it was being rerouted to XXXX NC. I went to my local post office and appears I'm also a victim of mail fraud. I've reported this to the XXXX and have a case open with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX, I visited an auto dealership For XXXX, I finally decided to trade my XXXX XXXX XXXX for the XXXX. After the dealership checked my credit report, I was informed that I had a recent collection added to me account, that significantly impacted my XXXX XXXX. 

When I returned home, I started investigating and seen that a " XXXX XXXX  '' had contacted the XXXX credit reporting agencies, XXXX, Experian, and XXXX to add a collection of {$1400.00} dollars to my credit report. resulting in an ( XXXX XXXX  REDUCTION ) due to the collection. 

Trying to resolve this with the XXXX XXXX representative, I explicitly explain. NO ONE EVER CONTACTED ME, I NEVER HEARD OF THIS, I was informed by the XXXX XXXX Representative, that XXXX XXXX have sent numerous letters/notifications to my current address since XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Ironic thing is I DIDNT MOVE TO XXXX  XXXX XX/XX/XXXX ( work relocation ), HOW IS THAT POSSIBLE??? 
The bottom line is, NO ONE FROM XXXX XXXX, EVER CONTACTED ME, THEY CIRCUVENT WORKING TO RESOLVE THIS AND SIMPLY ADD THIS TO MY CONSUMER 'S CREDIT REPORT. as soon as I became aware of this, I immediately paid the {$1400.00} dollars, which I would have done, IF I HAD KNOWN THERE WAS AN ARREAR from a XXXX apartment. 
The representative from XXXX XXXX, informed me that If I paid this collection, the would remove this from my consumers credit report, I PAID THE COLLECTION THE SAME DAY, AND IT ONLY SHOWS PAID AND NOT REMOVED, MY CREDIT REPORT AS DECREASED BY XXXX XXXX  due to this. 
I'm not disputing if the arrears are mine, I'M SAYING THE PROCESS XXXX XXXX utilizes is against the law, the consumer XXXX XXXX SOME PROTECTION from lazy credit collection agencies who don't want to contact consumers, just add this negative life changing collections to the consumers account and force then to contact us, THIS IS ILLEGAL, PLEASE PROTECT THE CONSUMERS, THIS IS RIGHT PEOPLE!

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 2022-12-31 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: Nelnet, Inc.
State: CT

Complaint narrative:
Department of Education/Nelnet is still reporting inaccurate and unverified late payment information to the Credit Reporting Agencies . I have tried several times reaching out directly to them without success. I demanded as a consumer that pursuant to 15 USC 1666b under the FCRA they can not report late payments to my consumer reports but they are above the law I believe. The refused to prove I was ever late and still haven't removed these late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Jpmcb card application with a credit inquiry on XX/XX/2022. I have never applied for this. There have been other instances in which I reported this activity. The previous incident was on XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31 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: PA

Complaint narrative:
XXXX XXXX, I have been a victim of identity theft. A XXXX XXXXXXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX XXXX  XXXX XXXX inconsistent balances I remember paying this credit card off. All three credit bureau 's are reporting inconsistent credit limits, high credit, and dates of last payment. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this XXXX XXXX, but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this creditor is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from 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 explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
On XX/XX/21 I requested XXXX XXXX  to terminate my service immediately because XXXX was not providing the service I was paying for. I paid them {$29.00} for service used to XX/XX/21. They billed me {$100.00} later for the remaining portion of the cycle I did not use. XXXX has the ability to turn on, turn off, problem solve etc immediately from their office. Other utility companies ( telephone, electric, gas, water etc ) only bill for service used in a cycle. I reached out to XXXX and could not resolve the issue. 
The XXXX XXXX XXXXl has initiated an investigation into XXXX for not providing customers with the service expected/agreed to,

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 2022-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I contacted Specialized Loan Srrvicing LLC XX/XX/XXXX and XX/XX/2022, to dvise them that my taxes were due of XXXX. I was assured in XXXX that they would get paid. The taxes were due XX/XX/XXXX. So I call them on XXXX XXXX to advise taxes are NOT showing paid. They stated they would contact my county tax office. It's now XX/XX/XXXX and my taxes are delinquent. I pay a lot of money in an escrow account for my taxes to now be delinquent.

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 2022-12-31 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 XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX  XXXX was my original student loan, that was combined and transferred to another agency. All three credit bureau 's are reporting inconsistent credit limits, high credit, and dates of last payment. I believe the credit bureau failed to properly update and validate my debt after an investigation. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I submitted for a refund of all payment made during covid. I submitted a lump sum payment of XXXX and I've requested the entire balance paid refunded to me. I am still awaiting that refund. It took aidvantage less than a week to cash my payment check, but now it's taking them 6 or more months to give me back my refund. That's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
somehow or another in XXXX paid my mortgage which is XXXX instead the mortgage company took XXXX it was a huge mistake on my part or theirs it has caused me significant financial harm and will cause more so next month i have asked that it be reversed and the XXXX taken out and the remaining balance return but was told it wasnt possible due to being on a fixed income this amount hurts my household finances .any help from you would be deeply appreiciated...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX XXXX  was reporting inconsistent balances I remember paying this credit card off. All three credit bureau 's are reporting inconsistent credit limits, balances, high credit, and dates of last payment. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this XXXX XXXX, but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this creditor is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from 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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX XXXX was reporting inconsistent balances I remember paying this credit card off. All three credit bureau 's are reporting inconsistent credit limits, balances, high credit, and dates of last payment. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this XXXX XXXX, but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this creditor is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket Mortgage is absolutely a deceptive company and purposely misleads you, more so they try to hold on to your money as long as they can. 

I have now called over 4 times the last 2 weeks to get the escrow refund that I am due from taxes. I request this refund 2 months prior when the tax payment was provided and was told I would have to wait until they paid the tax bill to receive not the refund of the escrow I was requesting but an analysis which would have an effect on my monthly payment ( nit hat I was asking for ) This is not what I requested, I only wanted the tax payment made and the overage returned. I started requesting this in XXXX when my tax bill was out and Rocket would not make the payment until XXXX, how is this okay? 

I was told on various these calls : I would need to call back after the payment was made It would take a week to do the analysis to then be able to receive the overage The analysis would be completed on XX/XX/XXXX It would take up to 10 days to do the analysis The analysis would be completed on XX/XX/XXXX The analysis would be completed on XX/XX/XXXX and the XX/XX/XXXX would be the posting date I spoke to the XXXX office a few times to no avail. 

It is XX/XX/XXXX and I have not received any completion information, or the refund notice.

Company response to consumer: Closed with explanation