vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
During the 2nd week of XX/XX/2021 I stopped by the 5/3rd Bank in XXXX NC to close my checking account that I have not used for more than a year. The teller gave me cash money and told me she could not give me anything to state I closed my account. Odd to me not to get something stating I closed my account. In early XXXX I received a Overdraft Notification : Immediate Action Required letter Dated XX/XX/2021 from said Bank. On XX/XX/2021 I called the number provided and was on hold for a period of time till I could talk to someone. The girl I talked to ( XXXX? ) about the overdraft fee that couldn't be since I have not used the account for over a year and just closed the account, said she would take the {$11.00} fee off and close the account that was already closed?? I asked her to send me something stating my account is closed, she said she can't do that?? About a week latter I receive another Overdraft Notification : Immediate Action Required letter Dated XX/XX/2021. Time to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX & XXXX XXXX BANKRUPTCIES ARE REPORTING TO MY REPORT. WHICH THEY SHOULD NOT. THOSE ARE NOT MY ACCOUNTS AND BEEN AFFECTING MY CREDIT SCORE FOR A LONG TIME NOW

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 2021-12-21 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: OH

Complaint narrative:
This is my THIRD time disputing negative accounts on my credit report. I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following accounts : 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 2021-12-21 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: OH

Complaint narrative:
This is my THIRD time disputing negative accounts on my credit report. I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following accounts : 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 explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Branch Manager/VP of Mortgage Lending XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX NV XXXX XXXX ID : XXXX On XX/XX/XXXX I reached out to XXXX XXXX and company regarding a hard inquiry notification I received. I did not authorized them to pull my credit in XX/XX/XXXX or XX/XX/XXXX. When I spoke to XXXX XXXX she advised me she read an old email from me and sent it to her assistant to run my credit! She was out of the country at the time according to our phone conversation. She apologized, and I stated very clearly I wanted the hard inquiry removed. I did not provide consent. Nothing was signed, no verbal or written consent was provided to XXXX XXXX and XXXX XXXX to run my credit. I requested for a ballpark estimate back in XXXX as I was going to purchase a home, but did not want to run credit yet since I wasnt sure. However my report was pulled when XXXX XXXX requested to review my prior tax docs. Fast forward XX/XX/XXXX she ran my credit again, however this time I made it absolutely clear I wanted corrective action. Still upset from XXXX incident, she made a mistake again. 4 months have passed since and no updates have been given. Id like to have an investigation open as I now have 2 unwarranted hard inquiries from this company without consent.

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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX & XXXX XXXX BANKRUPTCIES ARE REPORTING TO MY REPORT. WHICH THEY SHOULD NOT. THOSE ARE NOT MY ACCOUNTS AND BEEN AFFECTING MY CREDIT SCORE FOR A LONG TIME NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX sold my mortgage account to another company called XXXX and I am on time with all of my payments. XXXX XXXX XXXX is no longer my account holder and I would like to get this off of my credit report but two credit bureaus are refusing to remove the 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 2021-12-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX sold my mortgage account to another company called XXXX and I am on time with all of my payments. XXXX XXXX XXXX is no longer my account holder and I would like to get this off of my credit report but two credit bureaus are refusing to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX sold my mortgage account to another company called XXXX and I am on time with all of my payments. XXXX XXXX XXXX is no longer my account holder and I would like to get this off of my credit report but two credit bureaus are refusing to remove the 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 explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I closed on a purchase mortgage on XX/XX/XXXX and I had an escrow account setup to pay taxes. The title company collected for the annual tax bill due XX/XX/XXXX but that was not out yet and Mr. Cooper should of made the first payment of taxes from escrow on XX/XX/XXXX. 

The title company made the payment as planned in middle of XXXX. 
Unfortunately, Mr. Cooper doesn't seem to be able to read the closing documents and decided to try and pay it from my escrow account. This created a large negative balance. I immediately spoke to the county and they told me they will not accept two payments so the Mr. Cooper payment was rejected. So I reached back out to Mr. Cooper. They were unable to answer phone calls so I was subjected to the online chat. 

I explained to them the error and requested they remove my escrow account due to their incompetence, I was redirected to yet another email address to request this. In early XXXX I received a letter that they would no longer require an escrow account and figured the situation was resolved. And was expecting and approx {$3200.00} refund of escrows and also my payment to revert to just principal and interest. 

But no they sent me another statement for my XXXX payment showing full escrows and the same payment as before. Now today I got another notice that I was expected to have my payment adjust again to pay them back for the escrow shortage created by their failure back in XXXX. 

I again tried to call them today and can not get a live agent to pick up a call. My payment is still not right and they owe my closer to {$4000.00} once I make another payment to my escrow account that is supposedly cancelled. 

Mr. Cooper 's level of ineptitude is staggering and compounded by awful customer service. I hope you can help get this addressed as I have no where else to turn at this point to get my money and correct payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
good afternoon, I am verifying the status of my complaint ID XXXX and it reflects the system that CFPB closed my complaint, which I have not received yet any response from the bank which I have the problem, nor have I notified you that my matter is resolved, I made another complaint where it indicated that the problem has not been solved, but a closed complaint continues to appear, I would like to know what is happening, and because the bank has not yet given me an answer, I really see it unfair to beg for my money, the bank has every right to close my account for whatever reasons it wishes, but the money that was in the account is mine, thank you, please, review my case again. 

Cordially greetings 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 explanation
Consumer complaint received 2021-12-21 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: CA

Complaint narrative:
Transunion is showing an account on my credit report that isnt mine. 

Account is called XXXX I have filed an FTC report and sent several certified mail disputes as well.

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 2021-12-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX partners listed a collections item on my credit report. I disputed as I had not received notification from them. They corrected information twice on Experian that was false. XXXX and XXXX removed the item. Experian did not after XXXX dispute attempts. I have a letter on XX/XX/2021 from XXXX XXXX admitting their error. I submitted a dispute with documentation again to Experian. They are hurting my ability to move and I am suffering from their inability to correct this error. Please help 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 non-monetary relief
Consumer complaint received 2021-12-21 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: Consumer Financial Services
State: IL

Complaint narrative:
Consumer Financial Services- Located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ran my credit on XX/XX/21 without my permission. I have not inquired or requested any services from them on XX/XX/21. Any business that I has with them has been completed and closed for some years and it does not give them the right to unlawfully run my credit whenever they choose to,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
To whom it concerns, I have sent out multiple dispute letters in regards to a fraudulent unauthorized Hard inquiries found on my credit report. According to the FCRA I have the right to have that removed. I have sent letters over the last year trying to get this matter resolved. 
Account : Factual Data inquiry date XX/XX/XXXX reporting to XXXX. The last dispute letter was sent out on XX/XX/XXXX. A copy of the dispute letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting the following alleged medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt - 2 ) if it is my debt Who I owe and where to pay! I have already disputed with Equifax multiple times over 4 - 6 months and still I do not have further information about the alleged debt listed below. 

I have a right an account credit files and these type of inaccuracies are unacceptable. 

Account No. XXXX XXXX debt is duplicate two different amount being reported {$1000.00} and {$2500.00} Account No. XXXX This account has no company name and it is also duplicated on my credit report the amount {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX there was an error made by XXXX - I got through to mgmt and they reversed the erroneous pending charges. I called my bank and they reversed the charges on the XXXX of XXXX. However, today 2 of the three erroneous charges reappeared. I spent hours on phone with XXXX  and bank. I provided J.P. Morgan chase withe reversal codes and escalated to executive office of chase where XXXX assigned case # XXXX to XXXX and even though XXXX provided reversal codes on pending charges - Chase is refusing to give me my money - to be clear I owe XXXX nothing and have paid for everything and because of their refusal to fix the issue that is no fault of mine - I am overdrawn- this should be illegal when the vendor supplied the referral codes. Additionally, the pending charges were on the XXXX not the XXXX - the phone number for XXXX at chase research exec office is XXXX x XXXX- the reversal code for the XXXX is XXXX and for the XXXX is XXXX. I have never had a bank do this and I never overdraft my acct! I have had this acct a long time. My name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: PNC Bank N.A.
State: MD

Complaint narrative:
THE LAST TIME I WENT AND CHECKED MY ACCOUNT IT HAD {$2600.00} THEN AFTER I GOT OUT OF THE HOSPITAL IT SHOWED {$240.00}. SOMEONE STOLE MY MONEY AND YET YOU ARE TELLING ME THEY DIDN'T. 

I'M SITTING HERE CRYING AND PRAYING JUST NOT IN A GOOD PLACE RIGHT NOW HEALTH WISE. I'M AT A LOSS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SO SICK THAT I HAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND GOING THROUGH XXXX OF SOMEONE STEALING MY MONEY. ANYTHING FROM XXXX/XXXX/2021 TO NOW WASN'T DONE NOR WAS IT AUTHORIZED BY ME. I DON'T HAVE THE CARD, CAN'T GET INTO MY ACCOUNT AND CAN'T GET ANOTHER CARD FROM PNC XXXX. I HAVE TRIED BETTER BUSINESS BUREAU WHICH PNC BANK NEVER RESPONDED BACK TO THEM AND I HAVE BETTER BUSINESS BUREAU STATEMENT SAYING THIS. RIGHT HERE AT XXXX TIME I'VE BEEN FIGHTING THIS SINCE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: ID

Complaint narrative:
I applied for a 3 month forbearance on my loan through Citizens mortgager company in XXXX of 2021. I was granted the forbearance and did not make payments for 3 months ( I did make the escrow amount as I did not want to be behind on that. ) On XX/XX/XXXX of 2021, I received a letter from Citizens re : Payment Deferral agreement. 

The letter stated that as of XX/XX/2021 we will : 1. Adjust the due date of your next scheduled monthly payment to bring your mortgage loan current. 
2. Defer the scheduled repayment of the total past-due amounts to the maturity date of the mortgage or earlier upon the sale or transfer of the property, refinance of the mortgage loan, or payoff of the interest-bearing unpaid principal balance, and 3. waive any late charges We are proceeding with updating your loan and require a processing month for us to complete your payment deferral. Your next due date is the payment due date following the effective date referenced above. 

I began making full monthly payment in XXXX of 2021 and have continued to do so each month through XX/XX/2021. None of my payments have been applied to my loan and have been place in a suspense balance ( {$18000.00} ). At the present time, I am working with XXXX XXXX XXXX to refinance my loan to a 15 year term. In order to do that, XXXX requires an accurate payoff quote, which Citizens is unable to provide. I have been on the phone every month month since XXXX and nearly 10 hours in the last 2 days to get my loan term updated. Citizens has been unable to do anything for me, and I am going to lose out on a 2.25 % refinance rate if Citizens doesn't get me an accurate payoff amount by XX/XX/2021. I need help getting my loan brought to current status with the amount in suspense balance applied to the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
We refinanced our mortgage with another bank. The closing date for the loan was XX/XX/XXXX. The last day to pay our mortgage for XXXX was XX/XX/XXXX. The payoff amount was wired on XX/XX/XXXX. Rushmore returned the wire payment was returned by Rushmore on XX/XX/XXXX stating that it was short although they sent the payoff amount to the bank that was good thru XX/XX/XXXX. They are a ripoff and I hate that our loan was ever sold to them. They have been taking our money thru high interest rates since we have been with them and I am so glad to be rid of them!

Company response to consumer: Closed with explanation