vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 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: GA

Complaint narrative:
I was trying to get this off my credit since the Balance Is XXXX, I Am Having Problems Getting The Paperwork, To Prove That My Balance Is XXXX, Because I Am Trying To Get This Account Off My Credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: GA

Complaint narrative:
I was trying to get this off my credit since the Balance Is XXXX, I Am Having Problems Getting The Paperwork, To Prove That My Balance Is XXXX, Because I Am Trying To Get This Account Off My Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: GA

Complaint narrative:
I was trying to get this off my credit since the Balance Is XXXX, I Am Having Problems Getting The Paperwork, To Prove That My Balance Is XXXX, Because I Am Trying To Get This Account Off My Credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: NY

Complaint narrative:
Hello I am having an issue with XXXX TransUnion and XXXX. Please note that I have three accounts reporting as negative on my credit report one XXXX XXXXXXXX is reporting as an installment and it is not an installment account please remove this from my credit report immediately. The next two which is XXXX and XXXX funding is in clear violation of 15usc 1681e-d. Time and time again I have sent numerous letters and these accounts will blatantly ignore me. The first time they did not notate the account I have been sending letters since XXXX of 2021 they just notated the account about a month ago which is a clear violation of the Fair Credit reporting Act. I ask that these two accounts be removed from my credit report immediately. I will also be filing a complaint with the FTC because this is being ignored with numerous attempts to resolve. The companies have also failed to provide the authorized agreements creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX or XXXX funding. That means I have no contractual agreement to pay then an alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 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:
Hello I am having an issue with XXXX XXXX and Experian. Please note that I have three accounts reporting as negative on my credit report one XXXX XXXXXXXX is reporting as an installment and it is not an installment account please remove this from my credit report immediately. The next two which is XXXX and XXXX XXXX is in clear violation of 15usc 1681e-d. Time and time again I have sent numerous letters and these accounts will blatantly ignore me. The first time they did not notate the account I have been sending letters since XXXX of 2021 they just notated the account about a month ago which is a clear violation of the Fair Credit reporting Act. I ask that these two accounts be removed from my credit report immediately. I will also be filing a complaint with the FTC because this is being ignored with numerous attempts to resolve. The companies have also failed to provide the authorized agreements creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX or XXXX funding. That means I have no contractual agreement to pay then an alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Ref : Mortgage Loan # -ending in XXXX Wells Fargo stated I canceled my online mortgage payments online on XXXX XXXX. Aside from the fact, that this did not happen, I was completely blindsided by this revelation. 

I never received any notification that such action had occurred on XX/XX/21, nor would I have taken such action. In fact, the first XXXX hearing of this is in a complaint my wife filed with the CFPB. 

I only access the mortgage account when instructed by my wife. The last time I accessed that account was XXXX XXXX when she instructed me to pay the mortgage via a transfer until the matter regarding the deleted auto-payment has been resolved. 

I have a business account with Wells Fargo and monitor my checking account daily. It would appear that because XXXX XXXX told the bank she did not access her account on the date in question and has the browsing history to prove it, a crazy, very unprofessional and asinine decision was made to place the blame on me. 

I did not delete the auto-payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Mortgage servicing company adjusted my monthly payment. This was based on changes to my escrow, but their analysis was wildly inaccurate, indicating amounts not associated with my loan. I called them three times to have them re-run the analysis, to ensure that my payments would be accurately addressed. ( I was concerned, because they showed I would be paying LESS escrow, despite the fact that my taxes and insurance had gone up a little bit. ) On the second call, they indicated that they would conduct another analysis. As my payment date approached, I was concerned that my payment amount had not adjusted online ( on their website ), and that no new analysis forms were added to my account. I called them a third time, at which point they indicated that they would not run another analysis, despite the inaccurate analysis previously run. At this point, I am looking to see if someone else can service my mortgage and reaching out to CFPB, to ensure that I can accurately understand my mortgage payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I purchased the lease buyout of my vehicle from Acura on XX/XX/XXXX and requested an expedited title release. Acura requested proof of funds transfer to expedite the title release ( delivery within 3-5 business days ). The proof of funds was emailed to Acura financial services on XX/XX/XXXX and the representative stated I would have the title within the week. 

Below are the follow-up times I have called Acura and requested a status and a call back from a supervisor and my requests have been ignored. 

XX/XX/XXXX ( requested title to be fedexed ) XX/XX/XXXX ( requested title to be fedexed and supervisor call back ) XX/XX/XXXX ( requested supervisor call back ) XX/XX/XXXX ( requested supervisor call back ) XX/XX/XXXX representatives confirmed the supervisor has not acted upon the case ( requested immediate supervisor call back ) Despite the repeated calls, no supervisor or title department has taken any action to process my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: NY

Complaint narrative:
Hello I am writing because I am having continuous issues with the three credit bureaus and my credit report. I have sent numerous letters to the credit bureaus and I have even submitted a few complaints with CFPB and I am now submitting this complaint again and a complaint with the FTC. On XXXX, Equifax, and XXXX they're reporting XXXX XXXX accounts that are in violation of 15usc 1681e-d. These companies like to get away with whatever they want. I have sent numerous letters to the credit bureaus and the only thing that portfolio will send me is a bill that is not validation of a debt. They have never provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX XXXX That means I have no contractual agreement to pay them an alleged debt. I am also writing here because XXXX XXXX agreements is reporting an account as an installment account and it is a sales agreement please delete this account from my report immediately, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I noticed multiple inquiries on my 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 2022-01-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I noticed multiple inquiries on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take action due to the stress you caused me. My information was also may have got into the hands of the wrong person

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
MR COOPER Payoff wire to Mr. Cooper XXXX {$320000.00} - The amount sent was mistakenly a typo error and should have been for $ XXXX short by {$9000.00} from the title company. 

On XX/XX/XXXX a representative from Mr. Cooper contacted XXXX XXXX XXXX regarding the {$9000.00} shortage, this was confirmed and XXXX XXXX XXXX immediately sent a second - Payoff wire {$9000.00} to Mr. Cooper XXXX XXXX. The second wire referenced the loan number and all information used for the wire on XXXX. 

By conversation with a representative from Mr. Cooper we understand the remaining funds in our escrow account over {$9000.00} were used to close the account. The {$9000.00} wire was never applied to our account. As of today XX/XX/XXXX, {$9000.00} sent to Mr. Cooper on XXXX is still unaccounted for. XXXX XXXX nor XXXX XXXX XXXX has not received back the {$9000.00} sent on XX/XX/XXXX. 
We have called Mr. Cooper several times and filed a dispute with them to help to locate these funds and return them to either XXXX XXXX XXXX or to send to us as they are due to us immediately. We are owed our escrow funds back of {$9000.00} and still the no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Contacted the debit collection and they refuse to send a payoff letter. Give account number what is fake. Over 25 calls and 2 emails requesting the pay off letter and nothing. Refused to get paid and remove the collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have used a Citi credit card for years without problems, paying it automatically in full monthly with my only checking account from XXXX ( credit union ). While logged to my credit card account last summer, I was offered to open a Citi accelerated savings account, which I accepted. I sent money to Citi several times from my checking account in XXXX. Unknown to me, the debit card for this new account was delayed several months. In XXXX one or two Citi cards got to my house, which I share with my son who has the same first and last name, but different middle initial and SSN. My son, who also has a Citi credit card, opened both and called Citi to tell them they were not his. Citi did not attempt to contact me at my phone and email address I reported when I opened the account. Citi listened to a person, my son, whose XXXX does not match the account in question, but blocked my savings account and withdrew the funds, more than {$84000.00}, on XX/XX/XXXX. I learnt this when I got the monthly statement in XXXX. I have called about XXXX times spending about XXXX hours trying to get explanations and have it fixed without success. I have been told the money was returned in XXXX to my checking account, UNTRUE. I was then told it was returned to the checking account on XX/XX/XXXX, UNTRUE. I was told to call different departments in Citi and all of them send me to a different one. I was told to go to the Citi local branch, which does not exist in my entire state. Finally, Citi closed the account and told me they are withholding the money until my XXXX bank sends them legal documents ( a Hold Harmless form ), which XXXX does not want to send because they normally do not do that. So, Citi is preventing me to access my funds despite me having submitted to Citi copies of my passport, utility bill and original from XXXX ( verification of account ownership ). I am now retired and will soon run out of money in XXXX. I do not get SS yet and Citi keeps saying lies and using delay techniques to avoid returning my money to me. 
Citi, without checking XXXX 's, talked about my account to somebody ( my son ) who said this account was not his, instead of taking to the owner, me. With faulty information Citi closed my account as a result. As of now they have not returned my money to me and since my Citi account is now closed, I am not sure I am earning money there. 

Please help to have Citi fix this problem which was created by its employees acting foolishly while listening to somebody who was not the owner of the account Citi promised to keep for me and me only. Even worst is the set of lies and delays Citi is using to avoid returning my money. I simply do not trust Citi anymore. It is a shame how they take advantage of people who are not millionaires. Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: M&T BANK CORPORATION
State: CA

Complaint narrative:
never late on my panyments M & T Bank loan # XXXX MT Bank XXXX XXXX XXXX XXXX Md XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I pulled my credit report and noticed fraudulent inquires. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX Data XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 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: OK

Complaint narrative:
Hello, I have paid this collection back on XX/XX/2021. They said it would be deleted from XXXX and Experian credit report. I have contacted the company XXXX, XXXX over and over. I have told them several times that I have already paid this debt! I have paid this debt!!!! I'm not paying this again!!!! Per law I need this removed from my XXXX and Experian credit report. I have attached lawsuit that explain this company has been sued for not reporting paid debts. I have also attached the receipt I got showing I paid this!! I need this removed ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
The school was non credited and was shut down. I tried to get my loans refinanced and then forgiven. The lender first told me that was not an option and I can do an IBR form. I found out in XXXX that because the school was shut down that I did qualify for a grievance which I put in XX/XX/XXXX. My interest rate continue to go up with no way of me repaying it. I have been dealing with this from the lender since XX/XX/XXXX. I have pleaded to get information on how to help lower my interest rate that keep accumulating. I also ask are there efficient payment plans that will help me get out of debt. They instructed me to go back to school, which created more debt. I owe over {$65000.00} in student loans, which I have no way to repay them and no credit left to purchase a home. I am asking for answer and help on what I should do now. I am a single parent living in public housing struggling to live a balanced life in this economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOWNE MORTGAGE COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX we entered into a contract to sell our house with a closing date of on or before XX/XX/XXXX. The mortgage on this house was with Towne Mortgage. We received the loan payoff amount dated XX/XX/XXXX and it included our XXXX payment in that amount. We closed on XX/XX/XXXX and the title company wired the payoff amount on XX/XX/XXXX to Towne for {$340000.00} and myself in the amount of {$110000.00}. As of that date we had no ownership interest in the property and the funds were properly distributed. 

Towne Mortgage reported to the 3 credit bureaus that we did not make a payment on the mortgage in XXXX of XXXX and in XXXX of XXXX. I spoke to a representative at Towne on XX/XX/XXXX regarding this as i was denied a mortgage pre-approval because my credit report reflects 2 late mortgage payments. I explained to the Towne representative that they included my XXXX payment in the payoff amount and was advised that i did not need to pay as it was included in the payoff and the closing was gong to happen in XXXX. I was then advised by Towne that even though they received the payoff amount, they didn't process the paperwork until XX/XX/XXXX and therefore i was considered late and reported to the credit bureaus and then assessed a late fee. I was also told that it takes " the system '' some time to update and therefore also showed a non-payment for XX/XX/XXXX ; even though the funds for the mortgage were distributed on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation