vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX executed a hard inquiry without my knowledge or consent in 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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
These accounts and Inquiries on my credit report are fraud. I would like for them to be removed, because it is affecting my credit score and me and my family being able to rent and get a car. 

National Credit Systems {$3000.00} Acct # XXXX National Credit Systems {$1600.00} Acct # XXXX XXXX  XXXX XXXX XXXX {$4500.00} Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 3. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 4. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 5. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from 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 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Upgrade promotes this credit card which is actually a loan, not a credit card, that you take out with them and any future transactions on the product are called draws, including the original draw made on the issued card. They claim you will earn 1.5 % in XXXX with every monthly payment made to the account. I have attached screenshots from 2 well known financial websites promoting this program with the language used to describe the offer. Consumers are led to believe that any transaction or draw on the account is earning the 1.5 % with every monthly payment. I spoke with a customer service rep on XX/XX/2022 and she began using different terminology to defend why her company is not issuing the 1.5 %. They start using the terms transactions instead of draws to describe the use of this loan product and will claim that the initial draws that they offer you are not included in the cash back program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC
State: CA

Complaint narrative:
I was charged by XXXX XXXX XXXX in XXXX of 2021 and the debt went into collections. I WAS NOT INVOLVED WITH XXXX DURING THIS TIME. it has been almost 20 years since I was in an ambulance and the debt was paid in full. Now this new account opened up with my name, my SSN and an OLD address of mine. THIS DEBT IS NOT MINE AND XXXX FAILS TO CORRECT THIS. XXXX and XXXX have removed this debt. The collection agency is BAY AREA CREDIT SERVICE. Please help me to get this debt off my credit report.. IT IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
In late XXXX we took Loan Depot up on the offer to utilize automatic payments for our mortgage. The payments were set up to come out on the first of the month, beginning on XXXX  XXXX. To our surprise the online payment platform failed and our payment was not made. We did not receive any phone or written correspondence from Loan Depot until XX/XX/2022, when our loan was already 30 days past due. As soon as we received our payment we made both the XXXX and XXXX payments to make our account up to date and contacted Loan Depot right away in regards to the negative credit bureau reporting. We asked that the mistake be reversed and Loan Depot declined our request. We were asked to put a dispute in writing to escalate the issue to a supervisor which we did. After the written dispute was received and reviewed by Loan Depot, we were still declined. Loan Depot says that they attempted to contact up numerous times before the negative credit reporting, but we did not receive any telephone or written correspondence. I asked if they had proof that the attempts were actually completed or fulfilled and they said no. They showed no answer and did not leave messages. They also said they attempted to contact us via written letter in XXXX, and we did not receive a letter. I asked if they have proof that we received the letter and they did not have an answer. We feel that the failure of the online payment system is Loan Depot fault and we shouldn't be punished for a missing payment when we had plenty of money in our account and made the payment as soon as we actually received a letter on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
This debt was paid XX/XX/2022 in person at the hospital before a XXXX I have called and discussed this with XXXX Hospitals and they were supposed to take care of this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2022 I received text message from the XXXX XXXX XXXX that wanted a {$45.00} dollar donation. In my attempt to block this in the future, the application thanked me for my " donation '' to XXXX XXXX transaction posted on XX/XX/2022 for {$45.00} I filed an online request with Regions Bank located in XXXX Alabama , stating this was a fraudulent transaction as I did not authorize. 

Today I received a letter from Regions XXXX XXXX XXXX XXXX XXXX Claim ID : XXXX, stating they were not going to credit my account for this transaction.

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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are 3 addresses on my report that don't belong to me and that I have never owned or lived at. They are : XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, TX XXXX My current address and ONLY address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX cell is XXXX home XXXX Employer is XXXX This is all that should be on 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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX executed a hard inquiry without my knowledge or consent in 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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX executed a hard inquiry without my knowledge or consent in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To whom it may concern I XXXX XXXX sent a certified letter to Transunion in regards to them reporting inaccurate information on my consumer report. On XX/XX/2022 they responded saying they did an investigation and VERIFIED that all information was reporting accurately. I supplied them with evidence which showed that they were reporting inacuurate information. Instead of doing the proper investion pursuant too 15 USC 1681s this agency choose to still report inaccurate information which is causing me great harm. I am again asking for help in this matter seeing that Transunion fails to respect my rights as a consumer and is continuing to violate those rights by reporting harmful inaccurate information.

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 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Back on XX/XX/XXXX I asked SPS ( Select Portfolio Service ) to provide me with Payment History from XXXX through XX/XX/XXXX. I made this request via phone. Unfortunately, SPS could only provide from XX/XX/XXXX through XX/XX/XXXX. The reason I needed this information is I was trying to refinance my home and had locked in at a very reasonable interest rate. I need this information as I had a second lien on my home through the XXXX XXXX XXXX  XXXX XXXX ). They had provided financial relief for me to stay in my home in XXXX and XXXX. At that time XXXX XXXX was the mortgage holder. When it was sold to SPS in early XXXX, the history was supposed to be transferred to SPS. I request it as said in XXXX of XXXX, letting SPS know I need the information, or I would have to pay {$32000.00} to have the lien released. They kept denying they had the full data saying that was all the had received. There should be accountability to them as well as XXXX XXXX. They had part of the information as well as my load modification, but not the full history. The XXXX would not accept that, and because of time restrictions and Interest rates rising, I had no choice but to move forward and include the additional {$32000.00} in my refinance and close the deal. There should be laws that make financial institutions save history for cases such as this and penalties if they do not. I believe SPS lost the material or, if they didn't get it should pay me and then go after XXXX XXXX if they didn't supply it. See all letters to and from SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
On or about XX/XX/2022, I received XXXX notices dated XX/XX/2022, from Truist Bank stating either my account was declined or approved for overdraft protection. Each of the notices included a different account number none of which were authorized by me, or anyone authorized to open an account on my behalf. 

On XX/XX/XXXX at around XXXX XXXX, I contacted Truist Bank and the representatives I spoke with were unconcerned with the error. I first spoke with XXXX, who later in the conversation changed his name to XXXX, from a call center in the XXXX. I later was transferred to XXXX XXXX XXXX XXXX XXXX who also was unconcerned with the error. I was then transferred to XXXX who transferred me to the Fraud Department, and I spoke with XXXX. XXXX was the least interested in the fraud and refused to assist me unless I provided my full SSN. I informed him that I did not initiate a business arraignment with Truist Bank and have no knowledge of the company, therefore I would not provide my SSN. 

Truist Bank appears to operate in a deceptive manner and is unwilling to address concerns with potential fraud in the banking.

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 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Escrow charges in the amount of {$370.00} were placed on the bill allegedly for lack of proof of insurance in XXXX of XXXX. 

Proof of insurance is scanned into UWM system on XX/XX/XXXX @ XXXX AM. 

Then loan was sold on XX/XX/XXXX, with these escrow charges even though proof of insurance once again was scanned into the UWM system on XX/XX/XXXX @ XXXX AM before the sale of the loan. 

The current lender notes that UWM must remedy this issue to remove incorrect escrow charges from the loan purchased from UWM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have a mortgage loan with JP Morgan Chase. XXXX is our homeowners ' insurance company. We have lived in this same house and had XXXX as our homeowners ' insurance since XXXX. Last year in XXXX of XXXX, I got a notice from XXXX stating that my homeowners ' policy was going to be canceled due to nonpayment. After hours on the phone, I discovered that Chase took money out of my account and paid it on behalf of another customer to XXXX or another insurance company. No explanation was given as to how this mistake happened. I have just received the exact same notice from XXXX this year stating that my policy is going to be canceled due to nonpayment. Since XXXX has confirmed that my information with them is correct, it is apparent that Chase has made the same mistake twice. I have statements showing they took an incorrect amount of money out of my escrow account to pay my insurance, but XXXX never received that money on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I decided to sell my home in XXXX  of this year. I called my lender, Santander Bank, to get a payoff so I had a rough idea what I would get after the purchase and sale agreement went through. I made several maybe 5 calls to Santander and on one of these calls I asked the woman how much would the payoff be if I paid off the loan that Day. She answered about XXXX  plus some change. I asked her if she was 100 percent sure. I told her I could not be wrong. I believe she even put me on hold to confirm this with another person. She dd explain that interest accrued daily which i knew, On my statement it appeared that the pay off was XXXX plus change. It did show i was behind on escrow by about XXXX, but the pay off i was given made it sound like this was figured in and total balance on my statement appeared to be XXXX. So i go ahead and sign the purchase and sales agreement and when i went for the closing that number went up by XXXX. 16k was escrow i owed and XXXX  was the interest. no where on my bill did it say there was XXXX  in back due interest. So I appealed this through Santanders executive branch who supposedly listened to all the recordings of my calls from XXXX through XXXX. I was dealing with XXXX XXXX who rejected my appeal after sitting on it for 30 days. He knew my credit was going to change if i didn't close when i did. I do not believe they were being truthful only because I know what was said on that calls, I'm hoping you can listen to all calls from XXXX to XXXX, I believe the call in question occurred on XXXX with a woman named XXXX. 99 percent sure but other calls need to be listened to if this is wrong. they were off XXXX. I was aware that I was about XXXX  behind my payments and I specifically asked if the payoff included the XXXX  that I was behind on. They were adamant that the XXXX was included in the pay off of XXXX  and some change. if the In order to resolve this sooner than later I'm willing to eat the XXXX  in back due escrow if their willing to reimburse me for the XXXX  in interest as this amount was not on any statement. i believe the corporate address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Phone number XXXX. I dealt with the executive team like i said. their number is XXXX. I can't tell you how bad of a situation this put me in. i was able to delay my closing 30 days for them to make a decision. They basically said they couldn't assist me. i let it go for a month or 2 until someone suggested i contact the Massachusetts banking commission who then told me i need to go through you all, any assistance you can provide to resolve this will be greatly appreciated.

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 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had a XXXX account with Syncb Bank which was comprised with all my accounts with Syncb accounts at that time and it shows on the Syncb bank that I missed two payments but I was unable to go online and correct them. 

I would appreciate you guys contacting them and helping me fix this on my credit report. 

I am being treated unfair and unjust by this corporate conglomerate. 

Thank you for any help you can provide.

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 2022-07-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is my third attempt at resolving an overpayment of city taxes resulting in an overdraft of my escrow account. Truist assured me that they had requested a refund from the city of XXXX on XX/XX/2022. They sent me a letter stating this was confirmed on XX/XX/2022. I called the city of XXXX as the 60-day processing deadline is rapidly approaching, I have not received my refund for the overpayment of taxes last year, in fact, I have been charged again for the year XXXX. They told me today they have no record of a refund request, not only do they have no record of a witten request, there was no case number even associated with my address. They processing time has not even started and I had to apply for the refund today ( Service Request # XXXX ) meaning 60 business days from today I could possibly get my refund. I called Truist today at the request of XXXX city to ask for a copy of the original request/confirm it was sent. They were unable to provide proof a request was sent other than their internal records stating one was sent. 6 months of an overdrawn account is absolutely unacceptable. I have never experianced such mismanagment of anything in my life. Truist should be embarrased. I again request the closure of my escrow account as it is being mismanaged. Truist had previously stated that " Unfortunately, we are unable to remove your escrow due to your loan-to-value is greater than 80 %. '' Truist has a duty to manage my funds correctly, if they prove themselves incapable of doing so, I should not be bound by a loan-to-value. They are neglecting their duty and putting our Mortgage and taxes at risk.

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