vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I am filing a complaint against AFFIRM INC because they are attempting to collect a debt that I do not owe them. That debt has been paid. Account Name : AFFIRM INC, Account Number : XXXX. The account that is reporting on my XXXX report is stating that the balance of {$390.00}. I would like you to fix this, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: IN

Complaint narrative:
I applied for a homestead exemption for property taxes in the state of Indiana and got approved last year. I received the reduced tax liability from the state sometime in XXXX last year ( I think ) I reached out to my lender sending XXXX different emails regarding the reduced taxes to be collected this year and received no response. Finally I called last year to confirm if I needed to send documents and they told me on the phone that they regularly update that information and I dont need to worry. I see my new statement and theyve still charged me the elevated taxes. I call and the woman told me they would check and get back to me and that it takes 3-5 days. Still I emailed documents that confirmed I was approved for homestead exemption that reduces my taxes by a significant amount. This was on the XXXX of XXXX. No update, so I call back on Friday and Im given the run around again. The woman said she will call back once she hears from the concerned department. I never got a call. So I call again on Monday ( today ) and its the same answer- Ill get back to you - give us 72 hours. This company overcharged me for Escrow last year and Im supposed to be getting $ XXXX back as a result. They will do it again. Its not right and I dont appreciate the way theyve been treating my case. If the state has sent them my property tax assessment why are they charging me more. There has to be some recourse for a company that has a history of breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2022 I authorized a payment over the phone for the amount of {$18000.00} to Truist bank. This amount was my pay off balance, as provided by Truist. The total amount cleared my Savings account with XXXX XXXX XXXX on XX/XX/2022. 

Truist is alleging a " payment reversal '' for the amount of {$18000.00}. The reasoning provided for this reversal is that there was " no account associated with these funds. '' I have sent Truist 's loan department a summary of transactions from my savings account that show the full amount {$18000.00} being cleared from my account. XXXX XXXX XXXX informed me that there is nothing pending on this transaction nor are they seeing a reversal initiated. No one from Truist is able to tell me where my {$18000.00} is. 

My concern is that I am now missing {$18000.00}, and I am further in debt than I was on the date I tried to pay off this loan as it has since accrued interest.

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 2022-02-01 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Every month for the last few months, when I pay the balance of my credit card, Bank Of America adds a " Pending Transaction '' for the Amount that I have paid that falls off after XXXX  days thus locking out my ability to use my credit card. This time, I am on a work trip in FL and need a credit card for Expenses and I can't use my card. 

This is not my only issue. It is a Secured card, I provided bank of America XXXX to secure the XXXX credit Limit when I moved to the US in XXXX 2016. Yes I have now had the card for over XXXX  years and It is STILL Secured. My credit fluctuates as I have been going through a divorce, however I have not missed a payment in the last XXXX years and usually pay the balance off near the end of the month.

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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Account name : PNC BANK, N.A. Account # : XXXX. Delete PNC FOR REPORTING AN ACCURACIE. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and XXXX did not and are in current violation of my rights! XXXX and XXXX, did not complete the investigation in the allotted time of 30 days, I sent a CFPB COMPLAINT and they still did not delete it in the allotted time this is HARMING me and it is {$1000.00} violation from each company, respectively. In addition to that they are not reporting the same information which is a VIOLATION in itself because everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. 1. ) Date of last active illegal {$1000.00} violation XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX See Red marks on Attached. 2. ) In a separate dispute I demanded they prove proof of payment for the month of XX/XX/XXXX which they are reporting on the XXXX as OK which is inaccurate which is grounds for the entire account to be deleted I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the three credit bureaus since I first did a report. It has been over 30 days and I would like these items removed.

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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the XXXX credit bureaus since I first did a report. It has been over 30 days and I would like these items removed.

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 2022-02-01 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-02-01 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
My mortgage is held and managed by Freedom Mortgage Company who has mismanaged my PMI account with XXXX XXXX. My loan terms set PMI at XXXX a month. Freedom Mortgage took my loan over in XXXX of XXXX. My first payment was due in XXXX of XXXX. Freedom Mortgage paid my PMI of XXXX in XXXX of XXXX, then did not pay again until XXXX of XXXX. Then XXXX and XXXX PMI of XXXX was paid for each month. Then in XXXX of XXXX, Freedom Mortgage paid XXXX out of escrow toward PMI. Since only XXXX and XXXX of XXXX PMI was missed, they refunded my escrow account XXXX. Then in XXXX Freedom Mortgage took another XXXX out of escrow toward PMI and nothing in XXXX of XXXX. On XX/XX/XXXX, Freedom Mortgage took another XXXX for PMI and another XXXX for PMI on XX/XX/XXXX. That said my PMI should be paid through XXXX of XXXX ; however, their team is providing misleading information about my PMI payments and how much they have taken. Freedom Mortgage also provided escrow statement with inaccurate information that does not mirror my statement or payment history. Their team members on the phone have acknowledged that they took too much out in advance for PMI, which made my escrow account appear too low, causing my monthly payments to increase, but now loan is being sold, so they aren't sure anything may be done. This has been an ongoing battle since XXXX of XXXX and I would like either of the following to occur, PMI statement showing paid through XXXX of XXXX or refund to escrow account for XXXX. PMI XXXX XXXX said I am paid through XXXX of XXXX, but Freedom Mortgage says all PMI checks have been issued and they can not void to refund escrow, nor are they sure that they can put it in writing to new loan servicer that PMI is paid through XXXX. I need help, they have had me speak to countless employees, sent numerous emails, waited on hold extended periods resulting in average call duration of an hour with every attempt to seek a resolution, all to get no where. They have stolen money and I need your help to get it back or obtain proof PMI is paid and not due until XXXX of XXXX. XXXX XXXX who hold PMI certificate says their agreement is with Freedom Mortgage so they can't provide me with documents to reconcile XXXX or XXXX PMI payments. As a consumer, with rights and protection, I need documentation from both parties to get this matter resolved and my escrow account corrected.

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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: GA

Complaint narrative:
I have been trying to work with the bureaus and they have not responded to my letters. I am trying to provide for my family and make a better life for myself and they will not and have not removed these inaccurate items from my report. I need to hear something back from them so I can finish this process. It is causing immense hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
Last year I refinanced my home with XXXX. XXXX sent over the buyout to Planet Home Lending ( old mortgage lender ) I have proof of the XXXX wire that was sent, in XX/XX/XXXX, they processed it in XX/XX/XXXX. In that time, since they were slow to process, the last 2 payments went delinquent to my credit. 

Keep in mind that I was already bought out and theres absolutely no reason for me to be delinquent with a mortgage company! 

Do to this error on Planet Home Lending there is a giant incident on my credit report THAT WASNT MY DOING! Im looking to refinance my home once more and I cant because of this red flag. For the last year, I have been back and forth with the old lenders trying to correct this. They keep giving me the run around. They wrote a plain letter that the Credit bureau did not accept because they did not validate the months that they screwed up. 

All Planet Lending needed to do is write me a letter, a letter stating they were in fact at fault with the specific months they screwed up on! The last year, I have been given the run around, put on hold, hung up on. Sent bogus i correct letters.. there famous line is your case has been escalated escalated to where!? Its been a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: LA

Complaint narrative:
On XX/XX/XXXX according to USPS Certified Mail TransUnion received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 100 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 100 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon so they should be deleted promptly.

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 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
It is impossible to speak to a human being. I need to speak to a human to resolve my issues. Every time I am transferred to a human I am all of a sudden disconnected. Other times the call is transferred and it goes to an invalid extension.

Company response to consumer: Closed with explanation