vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I had a settlement agreement with TD Bank for XXXX XXXX XXXX XXXX. The agreement letter states that Upon receipt of your payment, your account will be considered settled in full. My credit reports show that TD Bank is still reporting a balance and not Settled in Full as stated in the agreement letter. I also have yet to receive a Letter of Satisfaction from TD XXXX. Our agreement was to pay a lump sum of {$1600.00} by XX/XX/2022. I paid {$1600.00} on XX/XX/2022 and the funds were taken from my bank account on XX/XX/2022. I have called TD Bank multiple times requesting the letter of satisfaction and for my credit report to reflect Settled in Full. One agent told me they dont give these letters or any type of receipt and that my agreement letter and bank statement is all I get. Two other agents told me they in fact do send a Letter of Satisfaction but it takes 7-10 business days. It has been 19 business days since the funds were taken from my account and 21 business days since I paid. I have still not received the letter or seen the change to my credit reports. I tried calling their Specialty Department number that an agent I spoke with gave me. He said the Specialty Department is who sends the letters and updates the credit report however, that phone number, ( XXXX ) XXXX, just plays music. No one ever answers and there is no recoding prompting you to speak with anyone. I am submitting both the agreement letter and a photo of the bank withdrawal from TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I the consumer made application for {$75000.00} consumer loan in good faith and credit was denied. USAA Federal Savings Bank is in violation of 15 U.S. Code 1642, USC 1681m and cfr 1002 because I, the consumer made an application in good faith, but funds was not issued. Furthermore, because my social security number ( Credit card ) was used and I received NO benefit this is proof of fraudulent activity ( unauthorized use of my credit card ssn ) on behalf of USAA Federal Savings Bank violated 15 USC 1643.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I currently have my mortgage with chase bank. I called on XX/XX/22 to injury about how to drop my PMI ( private mortgage insurance ). I was told that I would have to get a broker price opinion ( BPO ). I was asked if I consent to a BPO which I stated I did. I gave my bank account information over the phone for a amount of {$150.00} fee for the BPO. I was told that the BPO would need to be scheduled within 7 business day. I agreed. After 10 business days, I did not receive a call scheduling the BPO. I called Chase back. There were many " issues with computers '' and ultimately chase could not find my request despite all phone calls being recorded. After the representative asking to call me back, not calling the right number I gave her for a call back etc, I consented again and gave my verbal consent for BPO and bank account information for a {$150.00} fee. I did see this fee get charged and placed on my mortgage account. I then waited another 10 business days and called Chase back. I was told that the funds were processed incorrectly and that the {$150.00} went to the principle. I explained that I still had not received a call from a BPO agent and since this had been well over the initial 7 business days this should be expedite. I was placed on the phone with an " expedited case manager ''. I explain to him that I would like to know what BPO agent was assigned to my account given it had been greater than their policy of 7 business days. The expedited case manager could not help. I believe this is fraud as they are holding my funds of {$150.00} and not providing the service promised. I have spent approx 10 hours on the phone with chase to resolve this with no resolve possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: AR

Complaint narrative:
I HAVE SUBMITTED SEVERAL DISPUTES TO THE BUREAUS ABOUT INCOMPLETE AND INCORRECT INFORMATION ON MY CREDIT REPORT. THE ERRORS ARE OBVIOUS AND BLATANT AND THEY FAIL TO INVESTIGATE AND REMOVE THESE ACCOUNTS. THERE ARE ACCOUNTS REPORTED ON ALL XXXX BUREAUS WITH DIFFERENT BALANCES BETWEEN THE XXXX BUREAUS. THIS ACCOUNT SHOULD BE REMOVED. INCOMPLETE INFORMATION ON ACCOUNTS. THEY HAVE INCORRECT PERSONAL INFORMATION, INCORRECT ADDRESSES, MISSPELLED NAMES.

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 2022-02-19 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: AR

Complaint narrative:
I HAVE SUBMITTED SEVERAL DISPUTES TO THE BUREAUS ABOUT INCOMPLETE AND INCORRECT INFORMATION ON MY CREDIT REPORT. THE ERRORS ARE OBVIOUS AND BLATANT AND THEY FAIL TO INVESTIGATE AND REMOVE THESE ACCOUNTS. THERE ARE ACCOUNTS REPORTED ON ALL XXXX BUREAUS WITH DIFFERENT BALANCES BETWEEN THE XXXX BUREAUS. THIS ACCOUNT SHOULD BE REMOVED. INCOMPLETE INFORMATION ON ACCOUNTS. THEY HAVE INCORRECT PERSONAL INFORMATION, INCORRECT ADDRESSES, MISSPELLED NAMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: AL

Complaint narrative:
I have been in contact with each credit reporting agency since XX/XX/2021. After a few letters and a phone call to each I have decided to file this complaint. A overload of hard inquiries not authorized by me need to be removed. At no time do the companies nor the credit reporting agencies have permission to list this on my consumer report. The real fraud are the companies and credit reporting agencies not following consumer laws and taking the power from the me as the consumer.

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 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: LA

Complaint narrative:
Hello as of XX/XX/2020 ive been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple account of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed to file out a police report. I also have filed a report with the Trade Commission about this incident. I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have a commercial mortgage with Community Loan Servicing LLC, my taxes & insurance are both escrowed. I've been set up on auto payment since I refinanced with them a few years ago. In XXXX of XXXX my insurance broker started emailing me about non payment, & that my insurance was going to end. I told her then I was paying my mortgage with escrows & she should be getting paid through my escrow account. She confirmed there was no payment & I ended up emailing Community Loan servicing to make sure they paid my yearly insurance policy. Even though they ended up paying late, at least it was finally paid.. None the less, I was assured the connection was again made between my escrow account & insurance policy holder. Then this XX/XX/XXXX, my property caught fire. When I gave my property manager my insurance policy, they informed her it was no longer active. I emailed my insurance & they confirmed my policy ended XX/XX/XXXX due to " non payment ''. Even though my mortgage was still taking my escrow money every month they never emailed or called me to inform me they stopped paying. '' They had then placed me on a lenders policy of {$130000.00}, minus depreciation, even though my buildings current value had reached {$250000.00} & my policy I had in place was for over the {$250000.00} with no deductions & renters loss. Now I have all my tenants evacuated, no rent coming in for an indefinite time frame based on construction & the insurance investigation. My mortgage company told me the still want me to pay for my mortgage with my " escrows '' that they so irresponsibly handled while I figure out the next few months of complete loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: FL

Complaint narrative:
Bank was paid in full payment but they are holding the funds for 7 business days they will not let me access my credit card I only have this credit card I am stranded in California 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 2022-02-19 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: TN

Complaint narrative:
I'm getting irritated since these elements from my report are still visible. You have not sent me any proof or documentation that has my signature.

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 2022-02-19 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: IL

Complaint narrative:
I closed this account but they contacted my XXXX XXXX and reopened it with him, I asked to be removed from account they will not so I insisted they close again. Now XXXX years later XXXX is not paying but discover will not allow me to pay because I dont not know mailing address, card number or security question but they can pull up account by my ss #. If they will not allow me to pay it should not be reported to my bureau dropping my score significantly. XXXX XXXX removed this account I would like all bureaus to see this as well and remove this account. I dont think I should be accountable for something I cant control. I spoke to supervisors at discover and they apologized but could do nothing for me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: TN

Complaint narrative:
I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I attended XXXX XXXX as well as XXXX  from XXXX to about XXXX between both schools I currently owe {$90000.00} in student loans. I havent been about to land a job with neither due to the school not being considered acceptable to a lot of different companies. This has really been hard for me as well as being able to even afford to pay the loans off. Can someone please help me with this issue! XXXX XXXX has closed down and has even made things worst for me when trying to get a job!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: FL

Complaint narrative:
XXXX : Experian Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

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 2022-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
I recently went to apply for a home loan and discovered in the process that Monterey Collection is saying I owe {$430.00} and its the only obstacle stopping me from getting approve.

I dont know this company or never done business with this company.Monterey Collection doesnt have any written contract with my signature or any proof that the debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 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: TN

Complaint narrative:
I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.

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 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
From my XXXX XXXX account I accidentally send a {$400.00} payment to CitiBank Credit Card ending # XXXX on XX/XX/XXXX, XXXX to an Citibank account that had been closed for five years. I owe them nothing, I closed the account because the interest was to high. Noticing the mistake, I phoned CitiBank Customer Service first on XXXX, XXXX, XXXX, to report it and asked for them to return the funds back into the account @ XXXX XXXX  that it came from. This was impossible they told me, but that a check would be sent. No check. On XXXX, XXXX, XXXX, I phoned again, to find that the check had not gone out, but was in process. Nothing. On XX/XX/XXXX, XXXX, I called again to find the check supposedly to return my funds was still in processing, or so they said. I asked them to send it electronically, but they said they could not do this. I told them my local XXXX does the exact same thing in five seconds. They will NOT return my monies, and no matter how many times I call they say the same thing .... 

CitiBank is refusing to refund monies sent to them accidentally to a closed account from my online XXXX XXXX account, and still as of today, no check, no refund, and no assistance.

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 2022-02-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
According to the mortgage statement dated XX/XX/2022, total balance due was {$190.00}, due on XX/XX/2022. I made a payment of {$190.00} on XX/XX/2022. However, {$190.00} is still due according to the mortgage statement dated XX/XX/2022. Although the loan is paid off, the bank is unwilling to record a deed of reconveyance and release this loan liability.

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 2022-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
Closed on my home and taxes were paid at closing. BSI Financial paid the taxes out escrow and I called to advise them to refund is needed. Called on XXXX XXXX, XXXX XXXX ; XXXX. I was told account will need to investigate and call me back with the finding XXXX hrs. Well is been over XXXX hours as Wednesday XX/XX/2022 and it Friday XX/XX/2022 no call or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I the consumer made application for {$50000.00} consumer loan in good faith and credit was denied. USAA Federal Savings Bank is in violation of 15 U.S. Code 1642, USC 1681m and cfr 1002 because I, the consumer made an application in good faith, but funds was not issued. Furthermore, because my social security number ( Credit card ) was used and I received NO benefit this is proof of fraudulent activity ( unauthorized use of my credit card ssn ) on behalf of USAA Federal Savings Bank violated 15 USC 1643.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I closed this account but they contacted my ex husband and reopened it with him, I asked to be removed from account they will not so I insisted they close again. Now 15 years later ex is not paying but XXXX  will not allow me to pay because I dont not know mailing address, card number or security question but they can pull up account by my ss #. If they will not allow me to pay it should not be reported to my bureau dropping my score significantly. XXXX XXXX removed this account I would like all bureaus to see this as well and remove this account. I dont think I should be accountable for something I cant control. I spoke to supervisors at XXXX  and they apologized but could do nothing for me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I closed this account but they contacted my ex husband and reopened it with him, I asked to be removed from account they will not so I insisted they close again. Now 15 years later ex is not paying but XXXX will not allow me to pay because I dont not know mailing address, card number or security question but they can pull up account by my ss #. If they will not allow me to pay it should not be reported to my bureau dropping my score significantly. XXXX XXXX removed this account I would like all bureaus to see this as well and remove this account. I dont think I should be accountable for something I cant control. I spoke to supervisors at XXXX and they apologized but could do nothing for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation