vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Hi, I am having nothing but issues with M & T bank. I've made sure to follow every request the bank made to keep on good terms and on XX/XX/XXXX, I have received received letter stating that the bank can no longer do business with me and will be closing my account. I've called my local branch, as well as corporate and they will not give me a reason as to why it is being closed. It is my right to know what, and why this is happening and they refuse. I feel like I am being neglected by this company and as if they do not care about what I have to say. I would like to legal action action against M & T bank if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage told me that my Covid 19 forbearance ended as of XXXX but did not let me know about the following ; XX/XX/2021 the end of the COVID-19 National Emergency Up to 6 months Up to 6 months ( if the initial COVID-19 Extension period will be exhausted and expires during the COVID-19 National Emergency ) 0 Up to 12 months ( if the Borrower or the HECM is eligible for the additional COVID-19 Extension period ) They sent me a loan modification to myself and my son who lives in XXXX NY. I live on the premises concerning this mortgage. 
I and my son sent individually the signed loan modification and I called to confirm their receipt but they kept sending me the same loan modification documents and when I called why they kept sending me the documents again when I had called to confirm receipt of both they didn't know the reason. Each time I called the representative couldn't answer the questions that I asked and kept me hanging on the phone. During this time I had submitted an unemployment form confirming that I am unemployed at this time currently seeking a job in Accounting. I have sent messages to Freedom Mortgage weekly and they have been unanswered even though I receive a email confirmation that they would respond in 3 business days which they have not. They tell me that my mortgage payment is due XX/XX/XXXX but I have messaged them that I will have to contact a lawyer if this isn't resolved. I have requested that Freedome Mortgage call me by a representative who is knowledgable about my account but I have yet to hear from this. This has been going on since the second week of XXXX. I am frustrated and will have to seek legal counsel soon.

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 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
The results are do to a motor vehicle accident that accrued in XXXX of 2019. I was the passenger and the XXXX  I was in was XXXX  by another vehicle. The total medical claim was for {$13000.00}. I should have not been responsible for any bills what so ever. This needs to be removed from my credit report please help resolve this for I have attempted several times. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: OH

Complaint narrative:
Received a US Bank Reliacard that I did not apply for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
For the past year and a half I have wanted this mortgage company to simply just get my taxes correct, for the year they are just about XXXX. I filed my first complaint and it took them 5 months to resolve while they were trying to figure out the issue I was forced to pay a extra XXXX a month on my payment. When they finally resolved the issue and all seemed well it popped up again. Now here we are 8 months down the road they have paid a extra XXXX this year on my taxes and my escrow is almost negative again which will lead to me paying a extra XXXX a month which I will not have. If they simply mailed a certified check for the taxes this would not happen. But since they do not the county/town mail the check back it never gets refunded and 3 months go by and the town/county send another tax request from the lender with interest stating it needs to be a certified check which at that point they pay it correctly with the interest, so after one year goes by I pay my taxes double and only after I make these complaints does it get resolved, after the last complaint they sent me a letter stating they would release paying my taxes and I would have to do it myself, I do not want to go to the town/county and pay them myself I just want to simply pay my mortgage and for them to do there job and pay the taxes.Now I will need another refund and have to wait for the chairman who seems to be the only person from this bank with common sense to get in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
Their were hard inquiries on my credit report that were not authorized by myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SANTANDER CONSUMER USA- XXXX/XXXX/XXXX XXXX XXXX XXXX OF- XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
XX/XX/2021 1 ) Citizen One ( bank ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX XXXX ( bank ) 4 ) XXXX XXXX XXXX- ( finance/personal ) - ( XXXX ) XXXX I purchased a vehicle from a car dealership called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX on XX/XX/2021 ph ( XXXX ) XXXX ( I'm financing ). 

My credit report was ran multiple times from these banks separate from the dealer 's. After leaving messages with the dealership for help, I didn't get a return call. I only consented XXXX XXXX XXXX XXXX to run my credit once, so I'm disputing these other inquiries. 
XXXX XXXX XXXX XXXX never asked me for my permission to run my credit more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I have a collections account on my file that I have never done business with from I C SYSTEM INC # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of 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 2021-10-22 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: NV

Complaint narrative:
I submitted my complaint and evidence to the credit agency stating my concern about the transgressions of my score based on false reporting and received no solution to rectify my problems and then they continued to report missed payments inaccurately and have no moral complicity in lowering my score over 90 points over the last 30 days. Even with evidence provided and disputes submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
I refinanced my home in XX/XX/XXXX and the loan was transferred to AmeriHome Mortgage. During this time, I paid {$670.00} per month to my impound ( escrow ) account. However, AmeriHome did NOT pay my property taxes when they were due in XXXX, and again by XX/XX/XXXX. It was not until I decided to sell my condo that my attorney told me my taxes were not paid at all this year, and I had over {$9000.00} in my escrow account. According to my terms, the taxes should have been paid by AmeriHome. 

On XX/XX/XXXX, my loan was sold to XXXX XXXX. XXXX paid my taxes from my escrow account, but I was still charged {$270.00} by the XXXX County Assessor in interest. I called AmeriHome to try to get that money refunded to me, but they told me XXXX is servicing my loan now, and I needed to call them. 

I called XXXX on XX/XX/XXXX, and they were unable to refund my {$270.00} as it was not under their control and it was not their mistake. 

I just want to get my {$270.00} that I was penalized as it was no fault of my own that caused the taxes to be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: IL

Complaint narrative:
After i noticed this Random account being repoted to my Consumer Report I Contacted Transunion via Phone XX/XX/2021 to notify them of the Adverse item. The Representative was unable to assist me even after i notified them of the specefic account that was being reported inaccurately. they were completey ignorant to the law. on XX/XX/XXXX i wrote the company notifying them of the Law Codes they were in violation of & i have not heard anything back from 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 2021-10-22 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: NY

Complaint narrative:
During the global shutdown do to covid 19, I was not being payed and waiting for government assistance to kick in. Everything was backed up due to millions of claims at one time. I was late on a payment to my credit card company " XXXX XXXX '' based in XXXX XXXX. They offered a program to forgive late payments or no payments due to covid 19 at the time. They did not call or email about this offer. I found out simply because I called on my own to say I was having problems due to covid and if they could take it off my record, like all my other credit card companies offered with no problemor hesitation. I was told they would take the late payment off my account and they never did. I've tried to dispute this over the phone and through the credit bureau over 10 times now. They still have not taken it off. Its terrible they would do such a thing during such a tragic and hard time. This company is terrible!

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 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Someone persuaded me to invest money in coinbase. The money disappear in the account of coinbase. Coinbase did not give me any response after. I am asking for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I never received replacement card from American Express Serve. In order to close the account one needs a current activated card as that information is required to utilize their voice response system or website. The XXXX support number supplied hangs up if I can not supply the 4 digit CVV number which I do not have since I never received the replacement card. There is no way to get an agent on the phone. When I request a replacement card the system responds with " sorry technical difficulties ''. My ultimate goal is to close the account and get the slightly less than {$1000.00} returned to me. All avenues to do this will not work, phone or online app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22 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: NC

Complaint narrative:
XXXX and XX/XX/2021 payments are showing past due when it should show current and not past due.

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 2021-10-22 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: NC

Complaint narrative:
XXXX and XX/XX/2021 payments are showing past due when it should show current and not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Starting XXXX my mortgage payment with Carrington increased to {$1100.00} based on my escrow. I immediately contacted the mortgage company and advised them that my mortgage should not had an increase because there was not an increase in my taxes or insurance. In fact, my insurance had a {$200.00} decrease. I then requested that a new escrow analysis be done. I was told that they needed information from my new insurance carrier, which was promptly provided to them. After learning today, XX/XX/XXXX, that a new escrow will not be done, I considered this unfair to me because now I am paying more money. Had the company run the analysis based on the information provided by the insurance carrier, we will not be here having this conversation. Therefore, I am requesting that company set my payment back to where it originally was when they accepted the loan from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Collection company fraudulently reporting inaccurate information to keep account open. I never opened any accounts in the year or month these companies are saying that I opened these accounts. Each company failed to send me any information containing my application with signature saying I agreed to open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: LA

Complaint narrative:
Disputed to credit reporting agency that I did not open any accounts in XXXX or XXXX. Also, collection agencies are reporting inaccurate information to keep account open just to report negative information to obtain a payment.

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 2021-10-22 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: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
Their are hard inquiries that I did not authorized and I want them to be removed. 
XXXX XXXX XXXX XXXX XX/XX/2020 ALLY FINANCIAL- XX/XX/2020

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 2021-10-22 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: NV

Complaint narrative:
I submitted my complaint and evidence to the credit agency stating my concern about the transgressions of my score based on false reporting and received no solution to rectify my problems and then they continued to report missed payments inaccurately and have no moral complicity in lowering my score over 90 points over the last 30 days. Even with evidence provided and disputes submitted.

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 2021-10-22 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: NV

Complaint narrative:
I submitted my complaint and evidence to the credit agency stating my concern about the transgressions of my score based on false reporting and received no solution to rectify my problems and then they continued to report missed payments inaccurately and have no moral complicity in lowering my score over 90 points over the last 30 days. Even with evidence provided and disputes submitted.

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 2021-10-22 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: GA

Complaint narrative:
I tried many times, ( emails, phone calls, file a report ) to contact Experian and talk to someone that had the authority to act in my behalf. They don't return phone call request, nor do they follow up on reports that you give them. 
I have about a XXXX credit score, which I am proud of, but I am getting turn down for credit cards, because of Experian lack of correcting a problem with XXXX. I do not need the extra credit card, but was only interested in the points offering. 
My problem with XXXX is a faulty I phone I return back to them many years ago. They said they never received it back and I said I did return it. I told them they have serial number and can trace the phone. I ask then to trace the phone by serial number and they never responded to request. XXXX is negligent and fraudulent in this manner. I do not own them {$900.00}, never used that phone, and will not pay for something I do not owe.

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 2021-10-22 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: NC

Complaint narrative:
XXXX and XX/XX/2021 payments are showing past due when it should show current and not past due.

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