vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have previously submitted a claim to Trusit regarding notification of an increased escrow payment of XXXX with less than 30 days notice. The increase in escrow was due to a mistake made by Truist, they paid my annual taxes twice and overdrew the account. Instead of taking responsibility for the mistake, they have repeatedly ignored my request to adjust my mortgage payment while the issue is resolved. Both investigations by myself and Trusit have determined that they paid the city of XXXX XXXX more than necessary. They have applied for a refund, however, while the refund is processing, my current monthly payments are increased by over XXXX due to the overdrawn account. The burden of this increased payment should not fall on me as the consumer. I believe this was done maliciously by Truist to force foreclosure. I have reached out multiple times by phone with no response. They call and leave messages with no updates letting me know a letter will be sent in the mail. They closed my original case with the CPFP after resolving absolutely nothing regarding the monthly payment increase. As I stated before, I believe their practices are predatory, a violation of RESPA among other laws and I will be taking legal action at this point since Truist is unable to do the right thing.

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 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fifth Third Bank has continually incorrectly applied an escrow to my account since XX/XX/XXXX. Despite multiple attempts to fix the problem they continue to process my payments as either late or missing. 

In XXXX of XXXX an escrow was placed on my account for hazard insurance I already had on my home. The letter was sent in XXXX, however my current insurance was set to renew at the end of the year ( expiring XX/XX/XXXX ). Once I realized they were still not removing the escrow despite having insurance I called on XX/XX/XXXX, provided my insurance once again and was assured it was taken care of. Later in the month I was then notified my payment was never processed due to it being short due to the escrow for insurance I then called on XX/XX/XXXX and XX/XX/XXXX going through the same process and each time being told it was taken care of. I was then again notified the insurance was never processed and called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX each time being assured it will be taken care of, to then repeat the same problem the following month. On XXXX I was finally able to get hold of a manager who then did a phone call to obtain my insurance letter. Once again was assured it was taken care off. This issue remains to this day. I have tried several times to resolve this issue with the bank in regards to getting my account marked as up to date and having the negative remarks on my credit report removed. My most recent call to address the problem was on XX/XX/XXXX to once again attempt to resolve the same issue, once again being told it was taken care and still my account is noted as past due. Today, XXXX, I called the office of the president of the bank was told my account was marked as past due, and that they were unsure why and an agent would call me back. Obviously I am not hopeful that anything will change. 

Throughout this entire process I have sent the accurate mortgage amount to the company on the XXXX for the following month. Despite this, they have not processed my payment accurately across the previous 6 months resulting in my credit score dropping over 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On XX/XX/2021 I received a call from a PennyMac agent to refinance my house. He sent an estimate of my new payment and interest. He sent paperwork thru email for me to sign. I did sign everything thru electronic signature. I did not hear from him for few weeks. Which I called him several times in between and left several messages in his voice mail., no responses. Like in XXXX, I received a packet my mail for me and my husband to sign and send it via fax, which I did. Same thing no response that he received the packet or nothing. Late in XXXX I called the company directly and asked about my refinance processing and I was told that my application has been cancelled for no response. I tried to explained how it happened and I was told that my agent 's supervisor was going to call me. Until today, I have not received a phone call from any supervisor. I just got a call form the agent the same day that I called the company asking to speak to a supervisor and I was told by him that my application cancelled because I never submitted any documents. All he said sorry but we only give 15 days to provide documents, but he never told me this and I never received a letter telling me of the decision. If you want to re apply we will give you new rates. sorry and hanged up. I cried because I feel betrayed and laughed and discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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:
In accordance with the Fair Credit Reporting act the account listed below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX ID : XXXX Account Number ( Last 4 ) : XXXX Owner : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX. 
XXXX XXXX XXXX : {$1900.00}

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 non-monetary relief
Consumer complaint received 2022-06-08 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:
In accordance with the Fair Credit Reporting act the account listed below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX ID : XXXX Account Number ( Last XXXX ) : XXXX Owner : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
someone has illegally obtained my personal information and has been attempting to gain credit with my information, as a result of this I have several unauthorized inquiries on all XXXX credit reports that are reporting to my file and putting me in a financial hardship

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 2022-06-08 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: CA

Complaint narrative:
Last year I discovered a false account with XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have received a security breach on my identity through my credit report on XXXX and Capital One. I noticed that my private information was available on the dark web. A XXXX woman named XXXX XXXX is in the military using my social security number with a license issued in Florida with the last four digits as XXXX. Her zip code is XXXX and her number is XXXX XXXX XXXX. My number is XXXX and I am XXXX  Not only that, there were some loans and a credit card opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I had a loan with XXXX bank. XXXX bank sold the loan and transferred it to rocket mortgage. I paid XXXX bank every month through auto ACH where they pulled the funds. I did not receive notice from XXXX or Rocket mortgage. Rocket mortgage claims they emailed the authorized person on the account however ( not the mortgagor which is me ) the authorized person on the account wasn't authorized to speak to Rocket mortgage as they weren't the mortgagor so rocket mortgage wouldn't speak to the person they were emailing and calling. Subsequently I never got notice and now my credit is ruined for a late payment even though XXXX had permission to draw money in for the mortgage for the account and there was always ample money on the account to make those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: MS

Complaint narrative:
The Credit bureaus stated XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and a lot more inaccuracies. I've attached XXXX, XXXX and XXXX credit reports. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given this account written permission to furnish this account on my credit report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called transunion multiple times to submit hard inquiries disputes that show as duplicates. Each time they have refused to assist me with the duplicate hard inquiries deletions. I have listed the hard inquiries that should have been removed. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX is listed twice and XXXX XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. Several of the inquiries show more then once per month. XXXX XXXX XXXX XX/XX/XXXX I did not authorize.

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 2022-06-08 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-06-08 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXX XXXX with Trans Union XXXX XXXX XXXX with XXXX, and XXXX XXXX with XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A 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 2022-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-06-08 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
I disputed the account in XXXXXXXX XXXX XXXX year it was removed in XXXX of XXXX only to be placed back on my credit report in XXXX of XXXX. I called the company and was put on hold to be transferred to a representative who did not pick up. I left a message on his answering machine. No return call. I would like to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
I have tried and tried to figure out how to handle this. XXXX told me that they do not sell any of my information, yet if that was true then how did a debt collection agency get my information? Also I have not received any documentation other than it being on my credit report about this collection. XXXX is an insurance company. I believed that since this is not a contract and it is a month to month payment that it would not go against my credit report and not to be sold off as a debt. This is completely unfair. My family only has my husband as the provider due to lack of child care since the coronavirus. Please help me I understand we are a low income family but I need my credit please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: DISCOVER BANK
State: NJ

Complaint narrative:
I have a Charged OFF Account from Discover Account Number XXXX. I sent a notarized letter and a check to Discover to settle the account. Per USPS Tracking, Discover received both on XX/XX/XXXX XXXX. Per my bank, Discover cashed the check on XX/XX/XXXX. I spoke to a Customer Service Rep and was advised Discover will not abide by the notarized letter sent & the contract on the back of the check. I have a copy of the letter and the front & back of the check that was cashed. Discover is breaking the law.of 15 U.S. Code 1681 S-2. 
Discover rep acknowledged they cashed the check & will not follow the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-06-08 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-06-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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