vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX Mortgage XXXX XXXX purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to XXXX for XXXX 2022 and XX/XX/2022. 
I also reached out to XXXX, Equifax, and XXXX with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX  XXXX XXXX purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to XXXX for XXXX 2022 and XX/XX/2022. 
I also reached out to XXXX, XXXX, and Experian with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.

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 2022-03-16 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:
I am making this complaint on be half of my self an no other. I sent XXXX XXXX a cease and desist got notice that they received it XX/XX/22. I never received noticed that I could dispute this debt. XXXX XXXX is ruining my reputation and damaging my character.XXXX XXXX shared this alleged obligation with the consumer reporting agencies. I sent this company a cease and desist and they are still communicating with me through transunion. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Due to this inaccuracy my reputation and character is being effected. Due to this inaccurate report I am unable to get a job. Now I can't obtain credit due to these companies tarnishing my reputation. I recently just got out of the hospital due to constant XXXX  XXXX. My doctor prescribed me XXXX to deal with my XXXX. This person ( debt Collector ) infringed upon my right to privacy by having a conversation with a 3rd party about me while I wasn't aware. 15 USC 1681a ( 4 ) .The consumer reporting agency is sharing erroneous info without first consulting with me the consumer. They have no proof that this transaction took place. If so send me the contract that took place between me and XXXX XXXX stating we are doing business. They are impartial because they allowed information to be reported while only hearing one side of the story. 15 USC 1681 ( a ) ( b ) the consumer reporting agencies did not meet the needs of commerce because this was not fair or equitable.15 USC 1681a ( d ) ( 2 ) exclusions from a consumer report transaction between a consumer and person making the report. This is identity theft.XXXX XXXX stole my identity and shared my private information with these CRA 's. XXXX is now CIVILLY LIABLE or willful noncompliance pursuant to 15 USC 1681n ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: PA

Complaint narrative:
I am making this complaint on be half of my self an no other. I sent XXXX XXXX a cease and desist got notice that they received it XX/XX/22. I never received noticed that I could dispute this debt. XXXX XXXX is ruining my reputation and damaging my character.XXXX XXXX shared this alleged obligation with the consumer reporting agencies. I sent this company a cease and desist and they are still communicating with me through transunion. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Due to this inaccuracy my reputation and character is being effected. Due to this inaccurate report I am unable to get a job. Now I can't obtain credit due to these companies tarnishing my reputation. I recently just got out of the hospital due to constant XXXX  XXXX. My doctor prescribed me XXXX to deal with my XXXX. This person ( debt Collector ) infringed upon my right to privacy by having a conversation with a 3rd party about me while I wasn't aware. 15 USC 1681a ( 4 ) .The consumer reporting agency is sharing erroneous info without first consulting with me the consumer. They have no proof that this transaction took place. If so send me the contract that took place between me and XXXX XXXX stating we are doing business. They are impartial because they allowed information to be reported while only hearing one side of the story. 15 USC 1681 ( a ) ( b ) the consumer reporting agencies did not meet the needs of commerce because this was not fair or equitable.15 USC 1681a ( d ) ( 2 ) exclusions from a consumer report transaction between a consumer and person making the report. This is identity XXXX XXXX stole my identity and shared my private information with these CRA 's. XXXX is now CIVILLY LIABLE or willful noncompliance pursuant to 15 USC 1681n ( a ).

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 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I woke up this morning to find that Wells Fargo has opened 2 new checking accounts in my name. I did not authorize this.

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 2022-03-16 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I can not access my TD credit card account online and every time I call I am put on hold. I have called numerous times on XX/XX/XXXX and XXXX. I have been on hold for upwards of twenty minutes each time. I have no idea what the charges are on my account because I cant access it online and cant get a person on the phone to unlock my account. The website I normally use which is tdcardservices.com is directing me to a completely new website and I cant figure out how to access my information. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: DISCOVER BANK
State: GA

Complaint narrative:
A fraudulent automobile dealer, ( XXXX XXXX in XXXX Ga ) charged my credit card despite not completing repairs properly. They held my car hostage and refused to return it unless I paid their ransom. I reported this fraud to Discover and they " Claimed to open an Investigation ''. However, they became a party to the fraud when they simply accepted some reciepts from XXXX XXXX with no explanation of the charges as justification of the charges. I expect XXXX XXXX AND Discover to make things right and return the XXXX to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: VA

Complaint narrative:
Ameris Bank 's XX/XX/XXXX XXXX XXXX Account Disclosure Statement miscalculates the escrow balance. The analysis includes : 12 months of " Account History '' for the period XX/XX/XXXX thru XX/XX/XXXX ( see page 2 of the " Annual Escrow Account Disclosure Statement XXXX '' ), and 12 months of " Escrow Projections '' for the period XX/XX/XXXX thru XX/XX/XXXX ( see page 1 the " Annual Escrow Account Disclosure Statement XXXX '' ). 

The analysis was done in XXXX, in the Account History section it includes : a " projected escrow disbursement '' of {$1400.00} for Homeowners Insurance for XXXX, but does NOT include a " projected escrow payment '' of {$830.00} for XXXX. 

So the 12 months of Account History ( XX/XX/XXXX thru XX/XX/XXXX ) includes 12 months of escrow disbursements, but only 11 months of escrow payments. No escrow payment for XXXX is included either in " Account History " or in " Escrow Projections ''. 

The result is that the " Payments to Esc. Acct. Actual balance at the end of the " Account History '' section is missing XXXX month of escrow payment. Therefore the new/revised required monthly escrow payment is higher than it should be. 

I've previously called and written Ameris but haven't achieved any correction, they just re-run the analysis with the same result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I received a 12 month deferment on my XXXX XXXX mortgage payments due to covid. I made all payments before and after that covid deferral. I started payments XX/XX/XXXX. In XX/XX/XXXX, Wells Fargo called me and said I had to pay in full those 12 payments totaling {$18000.00}. I said I wanted to pay at the end of the loan or when I sell my house. They said I had to pay it all now. I asked to speak to a supervisor. I was placed on hold for a brief time, then told someone would call me back. I confirmed my number, but no one called me back. I received an email from Wells Fargo and was told deferred payments go to the end of the loan. 
I received another call in XX/XX/XXXX telling me I had to pay the deferral in full. I told them I did not and told them to stop calling me. 
I received another call on XX/XX/XXXX, again telling me I had to pay the deferral. I told them they were required to stop and I was reporting them.

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 2022-03-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
BK OF AMERXXXX 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

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 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My mortgage servicing company is manipulating my escrow account to raise our payment constantly, they hang up on me refuse to reanalyze my escrow and are putting miss information on my 1098 mortgage statement to fradulently manipulate our payment continuesly. They are committing fraud against Us and I'm sure their doing it to other mortgagees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: TX

Complaint narrative:
We are escalating this matter due to the lack of communication and customer service we have experienced with DHI Mortgage. On XX/XX/XXXX we were pre-approved for a mortgage loan to start the building of our first home. During that time we received no communication regarding the loan process until I received a phone call from our loan officer on XX/XX/XXXX advising they will not be moving forward because my income had changed. I provided a letter from my employer providing a breakdown of my bonus structure. However, it was communicated that we can go to another lender. We proceeded to do so, and received a verified approval on XX/XX/XXXX from XXXX mortgage. 

Our realtor submitted the verified approval, however DHI did not take the time to review it and declined it with no explanation why on the same day. The only feedback received was " Corporate '' denied the loan and still no explanation why. 

As a consumer I have the right to know the reason why the mortgage loan was declined, and what steps were taken to make this decision. We did everything that we were told to do by the loan officer ; however, she failed to communicate regularly or update us on the status of the application until the very last minute. 

We are requesting for DHI to provide a detailed breakdown for the reason of their decision even after providing them with the verified approval from XXXX Mortgage. 

Thank you. 

XXXX XXXX XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: NY

Complaint narrative:
I have reached out to the credit bureau and I am yet to hear from them, it has been over 30 days and no response, these are inaccurate and should not be on m report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Acquisitions Group
State: TX

Complaint narrative:
I have spoken with them already and gave them my debit information so they can deduct my payment on the XXXX of each month. They are calling me every day now, multiple times a day and leave a voicemail that they'll have to take further legal action if i don't resolve the matter because it's not going through. That's my card number, i don't know what's wrong with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2018 my chapter XXXX bk was discharged. The checking account I previously had with cap 1 was included in thus XXXX They've since sent me a new debit card stating that the account is restricted. I'm not sure how when it was discharged in XXXX XXXX. When calling capital one, they act completely clueless to what I'm speaking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian credit bureau has 147 % credit usage on my credit report and incorrect credit card balances which is affecting my credit score.

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 2022-03-16 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: NJ

Complaint narrative:
There are some accounts on my credit report I do not recognize

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 2022-03-16 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Denied credit increase.

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 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I made a purchase from online store physically located in XXXX for Euro XXXX. I used XXXX as the payment method. XXXX converted to USD ( XXXX USD = XXXX EUR ) and charged my bank XXXX Bank of America ) credit card in USD ( {$2800.00} ). Now, my bank is charging a foreign transaction ( $ XXXX ) separately. Considering that XXXX has already did the foreign exchange conversion and charged the bank in USD, the foreign exchange transaction fee seems unethical and double charging from consumer 's point of view.

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 monetary relief
Consumer complaint received 2022-03-16 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have sent a letter to Experian to correct an obvious error they have placed on several accounts on my credit bureau. This is not a complaint so they can go verify it with the original creditor/furnisher, it is clearly an error on EXPERIAN 'S reporting. My initial letter with all supporting documentation was sent to them XXXX of 2022. I have not received a response nor are the errors corrected. 

I find this to be a huge problem if Experian is the only one of all three bureaus showing this on all of the below listed accounts. Ive included a copy of my credit bureau for each account. 

There are a total of 8 accounts. Please as I stated before, this is not a request to have experian verify it with the creditor, it is a CLEAR error on experians reporting, all these accounts are in a good satisfactory payment standing, but they continue to place incorrect remarks in the payment status. 

If these payment status remarks are not removed immediately I will use all legal resources provided 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