vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Security National Financial Corp
State: TX

Complaint narrative:
I took out a mortgage on an investment property with Security National Mortgage. They sent my account statements to the wrong address. I had no way to see or pay the mortgage without the statements. I requested that the information be updated but they never changed it. They marked the first two mortgage payments as late and they still show as delinquent on my credit report. However, this was due to their clerical error, not my missed payment. I've requested that the late payment status be removed from my credit report, but they have refused. This was not a problem of my making and I'm simply requesting they fix the issues created by sending my account statements to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: OH

Complaint narrative:
This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in XXXX appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: OH

Complaint narrative:
This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in Experian appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: WI

Complaint narrative:
I would like to sell my house, that I purchased in XXXX, for {$210000.00}. I requested a payoff amount and according to SN Servicing Corp., the balance due is more than {$210000.00}. After 18 years of payments, how can my balance be more than my purchase price? In XX/XX/XXXX, the mortgage servicer ( XXXX XXXX ) sent me and the IRS documentation that stated my mortgage balance was just over {$120000.00}. When I started asking questions about XXXX stating that I had missed payments, instead of answering my questions, they sold/transferred my mortgage to SN Servicing Corp. How can my mortgage be over the amount I paid for it in XXXX? If the mortgage was sold/transferred for {$170000.00}, how am I responsible for that amount, when me and the IRS have the same written documentation from my previous servicer, that says my balance is {$120000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: OH

Complaint narrative:
This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in XXXX appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 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: MD

Complaint narrative:
I recently got a copy of my credit report and have noticed some accounts that i have zero knowledge of. I have contacted the following companies about these accounts and have supplied them with the necessary documents to have them removed, yet the still are being furnished. see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Their support had ridiculous wait times ( 20+ min minimum ) and there is no way to close the account online. They opened an account in my name without my permission ( I had an account with BBVA ) and then charged me {$2.00} for sending me a paper statement ( no transactions ) even though I was never asked or prompted to opt in or out. I do not want to do business with PNC and I want my account closed immediately. I requested the closure days ago via their chat but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
I refinanced my mortgage and paid off the loan with Suntrust ( now Truist ) at the end of XXXX. They owed me the escrow balance of {$2900.00}. I was told that I would receive the payment within 15 days. I called back after the 15 days and was told that there was a pending inquiry and to call back on XX/XX/XXXX. I asked if I could have the payment sent by wire-transfer or direct deposit, and was told " NO ''. I called back on the XXXX and was told that the payment was processed and that I would receive it within 15 days. I called back today ( XX/XX/XXXX ) and was told that I had to wait until XX/XX/XXXX ( 30 days after the date of my Final Escrow Account Statement ) to request a new check to be issued. I asked again if I could have my payment issued via direct deposit or wire transfer, and was again told " NO ''. I just want my refund that is due to 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
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
This complaint is about Umpqua Bank 's nicety policy of prematurely crediting a fraudulent check of {$2300.00} the next day, even with insufficient cash in my account and my first name as the payee was spelled wrong. This practice contrastswith those of major banks which usually reject the check or put the check on hold until the funds are available. Theirpractice has helped a scammer run away with nearly {$2000.00} taken from my checking account. I have already filed a police report on XX/XX/21 immediately after the incident. 

I wrote to the CEO twice ( on XX/XX/21 and XX/XX/21 ), asking him to forgive the {$2000.00} charged to myaccount because the fraudulent check bounced. The response to my first letter was made in the usual bureaucratic fashion by their so-called Consumer Insight Department . There was no response to my second letter when I repeatedall the misstepstheyhad made. This nicety policy of Umpqua Bank is like treating you to a good dinner using your own money. What a devious treat!

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 2022-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I closed my Capitol One Menards account XX/XX/XXXX after speaking to customer support regarding payments that were applied incorrectly and asked to have them reapplied to the correct Promotional Financing options. The rep told me they could not do it, I asked to speak to a supervisor to attmept the correction and was told by the supervisor that it could not be done. I stated to give me a payoff balance and paid the balance off by Credit Card. After that I never received any other bills or notifications regarding my account until I was called by Collections regarding an unpaid balance of $ XXXX that had accured fees and interest totaling {$140.00}. I spoke with another supervisor regarding the fees stating that I closed my account and had received no additional notification regarding any remaining balance. He stated that the best he could do was waive a certain amount and I settled for paying {$71.00} on XX/XX/XXXX to settle my account. I believe there was a breakdown in communication since I never received word that I still had a balance and then they sent me to collections which has resulted in negative impact on my credit score. Subsequently, I received a letter from Capitol One ( Menards ) stating that I had overpaid and have a credit on my account now and would be receiving a refund check in the amount of {$30.00} within 30-60 days Ultimately, they credited all the late fees and interest charged and I only charged me the $ XXXX. Respectfully request to have the negative impact of Capitol One ( Menards ) removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I was transported to XXXX XXXX from my home by XXXX XXXX XXXX company. on the way to hospital the billing information was given. Medicare plus a supplemental insurance. I never received a bill from anyone. On XX/XX/XXXX at XXXX Pm I received a call from Commercial Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. The woman on the phone started off aggressively screaming at me that I owe them {$2300.00}. I told her there must be some mistake that both Medicare and my supplement insurance would have covered it. It has in the past. She started screaming very loud if you don't pay me right now i will put this on your credit report. I told her if you keep screaming at me i will hang up. she continued so I hung up .... XX/XX/XXXX at XXXX XXXX I called XXXX XXXX 's office I spoke with XXXX XXXX XXXX XXXX. ( He can be contacted for the communications between him and Commercial Acceptance. ) XXXX advised me that the ambulance billing company never billed the invoice they held it then sent it on to collections, XXXX XXXX billing department. supervisor 's name XXXX XXXX XXXX. XXXX has been in constant contact with Commercial Acceptance. Commercial Acceptance has continued to refuse to remove the information from my credit report even after they have been told from both XXXX  and the billing office the invoice has been paid. XXXX at my direction has been weekly contacting them to have it removed. as of today XX/XX/XXXX XXXX am, it has not been removed. I'm formally requesting that you have someone look into this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: OH

Complaint narrative:
This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " XXXX '' but in XXXX appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: OH

Complaint narrative:
This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in Experian appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
CKS Prime Investments LLC/ CKS XXXX XXXX Is continuing to report fraudulent information to credit bureaus stating that i ( XXXX XXXX ) owe them {$1000.00} for a collection account in which the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After i sent in request them to validate the debt with verifiable and accurate completeness by send me the contract bearing my signature as proof that the account belongs to me. I also made them aware that i am a victim of identity theft and fraud. I sent a copy of the police report as proof of my identity being stolen. they responded by mailing me a letter with just account details such as amount and account number. they failed to validate any debt claimed to belong to me. There was no signed signature bearing my name. I contacted them after receiving the letter and made them aware that they failed to properly validate the debt. They refused to delete the fraudulent account.

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 2022-01-06 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: MD

Complaint narrative:
I recently got a copy of my credit report and have noticed some accounts that i have zero knowledge of. I have contacted the following companies about these accounts and have supplied them with the necessary documents to have them removed, yet the still are being furnished. see attachments

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 2022-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
I am a long term customer of Western Union and have used it for sending funds to relatives overseas for years. Never a problem. 

On XX/XX/2022 I efforted to send {$200.00} to our niece in XXXX and had to provide a copy of my bank account statement as well as my drivers license. I checked status on their website a few times and it was always pending. Then 15 minutes later it says " cancelled ''. 

I called another XXXX customer service rep to try to learn why this was. The only answer was to email XXXX and ask for answers. I did that the same day but the robot response says I have to wait 30 days. 

I am DEEPLY disappointed with all this hassle! In all the years before I've never had a transfer through Western Union denied or cancelled. EVERY time they have gone through with ease. So what was the reason for cancelling my current transfer? I need to know so I can fix it and remain a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: PA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I recently started the process of reviewing my credit reports. Therefore, I requested copies from all three bureaus, of my credit reports. From XXXX, XXXX XXXX, and XXXX. I am not been aware of my credit, or even got an credit report until recently. So, I was not aware of the information contained in my credit reports. I was not in the position to buy certain things, or even attempt to purchase anything. Because i was not making a lot of money and was just trying to maintain what I can. In reviewing my recent credit reports, I found out that all my reports had a lot of activity that I had not done. Inquiries were over excessive to the point each report had about 20-25 inquiries on each report. I did not conduct these inquiries, if I were to do a inquiry I would only do it for what i needed it for. Not over and over getting turned down, I just recieved a email advising me that I was declined for an inquiry that I had submitted, In receiving this email, I was suprised because I had not applied for anything by way of credit. This complaint is being filed to advise that someone has my personal information, and using it to commit fraud. I am in the process of disputing these activities as it pertains to my credit. This complaint is to notify the three major credit bureaus. Of my intent to dispute these actions of no fault of my own.The activities that has been comprised are my credit, inquiries, accounts that have been placed with collection agencies. Whom are seeking financial closure of accounts that do not belong to me. I am requesting, as I prepare to send this complaint to all three credit bureaus. That the creditors, would send me the documentation needed to resolve these issues. I will also be filing an Identity Theft Report of the actions of fraud on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: EQUIFAX, 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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX  XXXX $ XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Received a text from XXXX that reads as follows : " BOfA : Dear customer, your online account has been compromised, useXXXX XXXX XXXXXXXX to secure access '' Have little doubt it's a scam as I don't even have a Bank of America account .

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 2022-01-06 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: 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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX $ XXXX Opened : XX/XX/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 2022-01-06 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 XXXX XXXX XXXX XXXX- ACCOUNT NUMBER : XXXX CHARGEOFF Amount {$0.00} Bureaus : XXXX I've been trying to fight with XXXX and experian for months, first letter I asked them to verify the alleged account which had a balance at the time of disputting or delete the account, then they sent a letter they updated the alleged account to {$0.00}, then i sent a letter again asking how they were able to verify the account on XX/XX/30, they never response back to 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
Consumer complaint received 2022-01-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX I called equifax @ XXXX Asked for the fraud dept spoke XXXX employee id # XXXX the person hung up on me three times.

Company response to consumer: Closed with explanation