vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I sold my house and my mortgage was closed on XX/XX/2020. My mortgage was with M & T bank. They were not who I initial took my mortgage out with. They have been problematic to deal with since they became the servicer. 

I did not receive the mortgage tax statement for 2020 showing how much I paid in interest and taxes for the 2020 tax year. I realized this when I went to do my taxes with the collected documents. Normally these form are easy to retrieve on company websites Previously when my mortgage was serviced by XXXX XXXX, I could alway get them online ( but never failed to receive a paper statement ), however, M & T bank closed my account so I can't log in to their website and get the document. I get an error message when I try to log in. 

I tried calling the bank on Saturday when I was doing my taxes, but was told that the online department couldn't help me. I called back today and have been on hold waiting for over 20 minutes now. It's a silent hold. I'm not optimistic I will be able to get through at all. 

It feel like since I am no longer a customer they have no interest in helping me get the matter resolved.

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 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
This collection account is listed on my credit report and I never recieved any notice by mail. This has caused the due processed to be skipped and I have not been alloted the proper time to dispute and request the validity of this debt. Futhermore, I am deeply disturbed that a collection agency has and is listing my medical history publicly and possibly violaliting my hipaa privacy protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
I just check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and tXXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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 2021-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
They don't work with me. They don't pick up the phone. Would like them off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and should not be on my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and should not be on my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-05-12 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$7500.00}, {$0.00}, {$54000.00}, {$1000.00}, {$340.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7500.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX LT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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:
Credirt report is reporting inacurate information on my credit report. It is reporting a XXXX XXXX XXXX Account both late and charge off. 
The account was closed and has a XXXX balance. 
Complaints sent regarding this to Experian. 
XX/XX/XXXX letter sent XXXX complaint XX/XX/XXXX XXXX complaint XX/XX/XXXX complaint case XXXX Fax sent to experian XX/XX/XXXX Experian has refused to cooperate and fix the error I need this to be delete and updated from my file for failure to comply.

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 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have told them that this is very old debt but this is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: TX

Complaint narrative:
Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. Equifax and XXXX  should also not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted both XXXX XXXX and XXXX XXXX, as well as the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Lending Club Corp
State: IL

Complaint narrative:
On XX/XX/2021, I opened two accounts with XXXX XXXX using my debit card. Days later, the accounts were closed due to the funds being returned. That was never the case! The funds actually were deducted and posted to my account as a debit. For months now, I've been trying to get my money back but XXXX is saying the funds were never deposited. I have a copy of my transaction from that day showing proof that the funds were deducted from my account. 

XXXX XXXX  aka Lending Club Accts # XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: GA

Complaint narrative:
The inquiries were not authorized. Please remove it 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 2021-05-12 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: GA

Complaint narrative:
The inquiries were not authorized. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Colony Brands, Inc.
State: IN

Complaint narrative:
XX/XX/21 and XX/XX/21 dispute results from XXXX  both show they did not take the proper steps to delete the creditor from my credit report. 
I requested XXXX XXXX, acct # XXXX for validation of the debt and they did not furnish me with anything just updated it as charged off. They did not mark " notice of dispute '' by consumer within the 30 days. FCRA, Section 623 ( a ) ( 3 ) and Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX, Bank of America redid my escrow analysis for my mortgage account. The escrow analysis completed had included some updated information from my taxing authority for the XXXX XXXX  XXXX. Included in my tax payment was a one-time charge from the XXXX XXXX  XXXX XXXX XXXX for late fees, which was my responsibility. The one-time charge amount was {$1300.00}. Subsequently, I paid back the escrow account by myself to cover the charges. The total overage paid from the escrow account totals {$1800.00} for the end of last year ( XXXX ) which was in the form of an escrow advance. I have since returned the {$1800.00} to the escrow account which left the balance at the beginning of the year at {$0.00}. Monthly escrow payments in XXXX have been paid based on the previous tax rate every month. 

The tax principal for the account increased to XXXX from the previous XXXX. So there will be a difference there that will need to be adjusted but only needs to be based on this amount. Also to note, the insurance payment of {$1000.00} for XXXX XXXX needs to be included. 

Bank of America continues to refuse to update any information regarding the account. This has been an ongoing problem with them not even attempting to resolve issues. I had to previously file a regulatory complaint for the same reason. The only way to resolve these issues is to file these complaints. I already advised Bank of America that if they do not update the information, they would be getting a complaint. To this day nothing still has been done since I called last 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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX/XXXX, and the three major credit bureaus ( Transunion, XXXX, XXXX  ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX , appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.

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 2021-05-12 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: FL

Complaint narrative:
I just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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 2021-05-12 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: FL

Complaint narrative:
I just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CA

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This loan was in deferment. I have attached the confirmation from XXXX XXXX datedXX/XX/2017of this account being in deferment. This false reporting of late is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CA

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This loan was in deferment. I have attached the confirmation from XXXX XXXX datedXX/XX/2017of this account being in deferment. This false reporting of late is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-05-12 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: T.S. Holdings
State: CO

Complaint narrative:
THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE A LETTER FROM THE CREDITOR STATING THAT THE ACCOUNT IS PAID TO A XXXX BALANCE AND THERE IS NO MORE RESPONSIBILTY OF ME TO THIS DEBT. I HAVE SENT THIS INFOMATION TO THE CREDIT BUREAUS, BUT THE ACCOUNT IS STILL REPORTING AN OPEN BALANCE. THE ACCOUNT SHOULD BE CLOSEED AND REMOVED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There is a repetitive issue that American Express does not process payments, and blames the customer. Never with any other payments, all payments get process as scheduled but American Express several times a year they claim either account number invalid or ABA routing invalid, this a scheme to defraud, to charge fees, late fees etc, and have the card holder speaks specifically with their XXXX call center, so they later begin robocalls and share personal information with their XXXX friends as no control what goes on. When called or emailed American Express refuses to make good and at times they calls in odd hours leaving messages that since they can not reach out to discuss the close the case emailed, calls come at XXXX XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I contacted Amex, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CA

Complaint narrative:
I disputed in XX/XX/XXXX accounts that are not mine and 2 others that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: SC

Complaint narrative:
wrong info on report

Company response to consumer: Closed with explanation