vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
My property taxes are held in escrow ( impound account ) with BSI Financial ( the loan servicer ) and the most recent property tax bill ( due in XXXX XXXX was not paid by them as it should have been! 

I'm in the process of arranging a HELOC loan with another lender in order to do needed home improvements and that's how this was discovered ( property tax must be paid or no HELOC ). 

In addition, since it is passed XX/XX/XXXX the tax is considered delinquent and there is a late payment penalty ( 10 % of the amount due ) so the total due is now {$2800.00} I contacted BSI on XX/XX/2021 and was told the matter would be " escalated ''. Since then I have called multiple days, and each time all the customer service rep can do is " escalate '' it - so nothing ever gets done or communicated to me. 

It has been ten days now, and BSI has still not taken any action to pay the property tax due. In addition, the only way to contact them is a single customer service number to reps who have no ability/authority to take action. 

I'm very concerned that my impound account funds will be taken by BSI and never used to pay the property tax or insurance bills for which it is intended. I am also unable to obtain another home loan since the property tax has not been paid - so I'm unable to pay for needed home repairs and remodeling. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I have received numerous calls from Credence Resource Management ( CRM ) in reference to a bill of {$540.00}. When I last spoke to CRM they said the bill was for XXXX. I have never used this service in my life. They said they would dispute the bill. I checked my XXXX  report today ( XXXX XX/XX/2021 XXXX to find that CRM had flagged my account for the {$540.00}. I have never received a letter or bill in the mail requesting the {$540.00} ; only phone calls from the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have reached out to this company multiple times that the report on there is not accurate and to remove negative remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A 609 letter was sent out to XXXX, XXXX, and TransUnion on XX/XX/XXXX. Another letter for FAILURE TO RESPOND TO DELETION/CORRECTION LETTER was sent out on XX/XX/XXXX, to XXXX, XXXX, and TransUnion.

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 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
During XXXX XXXX Best Buy had offered a 10 % cash back reward when applying for a Best Buy credit card and using it to complete the purchase. So I had applied for XXXX and used it to complete the purchase ; in addition, I firmly recall that I had selected to receive the rewards in my credit card and had expected to see it in my next credit card statement. However, to this day I still have not seen the rewards in my credit card statement and that Best Buy and Citi ( the credit card company ) had seem to be pointing fingers at each other on the where about of my rewards. So it is my understanding that the companies are engaged in unfair and dishonest consumer financial practice in to generate fees in new credit card accounts, and without the intention to provide an actual cash reward.

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 2021-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion and XXXX  are reporting the same account furnish by Dept EDXXXX XXXX with two different account numbers, there can only be one. The payment history is incorrect and confusing, it shows 90 and 120 day lates following a made payment. XXXX  is reporting 120 day late for XX/XX/XXXX and XX/XX/XXXX, but Transunion is not. This information must be the same. The payment status field is reporting different. This account has been verified as accurate when it is not.

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 2021-01-23 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: MA

Complaint narrative:
XXXX XXXX, is reporting my account, as 30 days late, which this account was paid off and had an issue with personnel taking a payment, and was harassed, to which I had to speak to the corporate office. I was not informed that this issue would result in a late payment as it was not my fault. I have called and spoke to XXXX XXXX several times and have since learned that they are involved in a class action suit due to their abusive collection practices. I have since received a call after reporting them to XXXX  and XXXX XXXX and XXXX  and XXXX XXXX did remove this account, but Experian refuses to remove it or to validate this account. as a result, it's keeping my Fico score with only Experian low. Experian FICO score rating is at least 64-94 points lower than my other credit bureaus scores. Also Exoerian is refusing me to dispute this account on their website.

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 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A 609 letter was sent out to Equifax, XXXX, and XXXX  on XX/XX/XXXX. Another letter for FAILURE TO RESPOND TO DELETION/CORRECTION LETTER was sent out on XX/XX/XXXX, to Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: TX

Complaint narrative:
XXXX  and Experian are reporting the same account furnish by Dept ED/ XXXX with two different account numbers, there can only be one. The payment history is incorrect and confusing, it shows 90 and 120 day lates following a made payment. Experian is reporting 120 day late for XX/XX/XXXX and XX/XX/XXXX, but XXXX is not. This information must be the same. The payment status field is reporting different. This account has been verified as accurate when it is not.

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 2021-01-23 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
A fraudulent charge was placed on my card. Here is the latest info I sent the company : Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX The Charge to my account, XXXX XXXX dated XXXX for XXXX to PayPal is fraudulent. I have never held any PayPal account tied to this credit card. Any additional PayPal charges are likewise fraudulent. Further, since you were notified about this first on XX/XX/XXXX, there are no grounds for the late fee you have tacked on.

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 2021-01-23 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: NV

Complaint narrative:
I, the consumer sent all 3 credit bureaus XXXX, XXXX, and TransUnion a removal letter through certified mail. The dispute letters were sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent all 3 letters with a green return receipt and only two of those corporations have signed saying they received them. Under federal law, these corporations have violated me as a consumer. XXXX, XXXX, and TransUnion 's agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but the corporation. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.

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 2021-01-23 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: NV

Complaint narrative:
I, the consumer sent all 3 credit bureaus Equifax, XXXX, and XXXX  a removal letter through certified mail. The dispute letters were sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent all 3 letters with a green return receipt and only two of those corporations have signed saying they received them. Under federal law, these corporations have violated me as a consumer. XXXX, Equifax, and XXXX  's agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but the corporation. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Maury Cobb, Attorney at Law, LLC
State: WA

Complaint narrative:
Ive contacted XXXX to confirm i have XXXX debts with them. They have also confirmed they do not use the attorneys office that is contacting me and that it is more than likely a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
How are you my name is XXXX XXXX I am trying to dispute this information in regards to exititor finance which I applied for a car loan and I received a loan however I went on my XXXX XXXX  credit report and saw that exit or sold my account to another company which I was not aware of and from my understanding I am upset because how can they say on my account with a number company and I didnt provide the company my information for her Social Security number phone number and address its like selling myself which I can not be sold so I think that is very wrong to do that without contacting me to let them know that they are selling my account to another lender again which I have no knowledge of this lender and again Exitir so theyre basically my social birthdate and address which I didnt give that company my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I haven't received an update weekly payment, I need my ID verified so my money will come in my way 2 go accout was disabled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: NY

Complaint narrative:
I have several inquiries on my report that are not completed by me, myself. I have disputed several times letting them know that I was in three security breeches and my personal information were all compromised. I know of one inquiry that I completed myself. All the other ones keep popping back on my report even with having my Equifax credit report locked. There should be nothing coming through and Equifax has failed to stop inquiries from coming through on my report. The disputes keep coming back factual. However, these are not my inquiries and they are truly haunting my future of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: NV

Complaint narrative:
On XX/XX/2020 I sent all XXXX credit bureaus ( Equifax, XXXX, and XXXX ) removal letters via certified mail asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' All letters were also sent with a green return receipt and only one of the companies has signed saying they received it. Under federal law, these corporations have violated me as a consumer. XXXX, Equifax, and XXXX XXXX agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but to the corporations. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$1600.00} -This is not my 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 2021-01-23 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$1600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXXUnauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXXXXXX XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXXUnauthorized inquiry by Identity Theft 5. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX  -Unauthorized inquiry by Identity Theft

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 2021-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
The IRA Department issued an improperly payable trustee-to-trustee cashier 's check in the name of an FBO that is NOT me. It also claims that the account number provided by the new custodian was wrong, but that's a load of garbage. The instructions by the new custodian ( that were originals that had been mailed when first received ) had been run through a fax machine at least three times, and it was the bank 's fax machine and procedures that caused the account to appear illegible XXXX made 6s look like 8s ), and none of that matters because the main problem was the payee designation. 

The error was 100 % the IRA Department 's fault, but the IRA Department will not send new funds until the incorrect check is returned. The incorrect check was never in my possession. It was all handled by the IRA Department. 

The IRA Department 's failures should not become my problem. 

Attached are copies of the improperly payable check and the illegible faxed instructions.

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 2021-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I made the scheduled payments on my Navient account last month. I paid $ XXXXon XX/XX/2020. I go to the Navient site today, XX/XX/XXXX, and I am now seeing a payment of {$100.00} that Navient 's states was due on XX/XX/2020. I do not understand where this " payment '' comes from. When I made a payment on XX/XX/2020, I did not see any other payment that was due.

Company response to consumer: Closed with explanation