vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 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: VT

Complaint narrative:
I had a legal name change. I informed Experian of this on XX/XX/22. They asked me to fax them some documents and said that once they were received the matter would be resolved in 3-5 business days. I faxed the documents that day. On XXXX I called to find the documents had been received but the problem hadnt been resolved. The agent, XXXX, started the process. She said it would take 24 hours. I called again today and was told the problem had yet to be 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 2022-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: ND

Complaint narrative:
Background : My wife and I purchased our first home in XXXX of XXXX. Our mortgage was issued through TCF Bank and the financing went well without any issues. Since purchasing our home, we have never missed a mortgage payment. We have paid every 1st of the month, on-time, and in full via direct deposit from our checking account. 

TCF Bank was acquired by Huntington National Bank in XXXX. 

The issue : On XX/XX/XXXX, I received an Escrow Account Disclosure Statement that shows a current negative balance in my escrow account of {$12000.00}. This was the first time I had seen documentation or notification of a negative escrow balance in my account. Further, I was told that to make-up for this deficit, my mortgage payments would increase from $ XXXXmo to $ XXXXmo XXXX This increase is essentially double the monthly amount. 

After doing some research into the scenario, it became clear to me that Huntington National Bank made a significant error in calculating the amount of money I would need to pay for my property taxes. In their original escrow analysis, the bank estimated that I would need to pay {$590.00} annually for property taxes. However, in reality, I paid {$6600.00} in property taxes for XXXX. This means that the bank was negligent in collecting the proper amount of funds into my escrow account to maintain the correct amount. Again, this was all unknown to me at the time, and I was simply paying the amount on the invoices I received each month. 

From XX/XX/XXXX until XX/XX/XXXX, I was paying {$210.00} into my escrow account, which is well under the correct amount. To me, this is extreme negligence on behalf of Huntington Bank for 1 ) making an incorrect analysis and 2 ) not catching the error sooner and thus 3 ) not informing me in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: GA

Complaint narrative:
This complaint to XXXX result of their non-compliance to my request and for their refusal of getting the items and authorized inquiries, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items and authorized inquiries or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX 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 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
A tender of payment was sent to TD Bank In a form of a money order with written instructions. Each rep and supervisor that I spoke with would not express yes or no to accepting my tender of payment. They all accept the money order and did not follow the accept for value agreement on the money order. I need a written statement under oath explaining why you all are exempt from following the law. I have proof that I paid this bill with TD Bank, so my balance should be at {$0.00}. Please validate this debt as well because there is a billing error. The bill is already paid for. I can not pay on a positive balance. 15 USC 1666. Please see other attached documents. And explain why you all do not have to follow federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: FL

Complaint narrative:
I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$21000.00XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$18000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$0.00XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-09 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:
XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX M SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL 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 2022-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I was XXXX XXXX and since then had been struggling with keeping up with my bills. I owed {$920.00} to Ally Financial as of XX/XX/XXXX. I cashed out the remaining amount if my 401K to pay outstanding bills I had due to my being XXXX. I made an online payment to Ally on XX/XX/XXXX for the overdue balance of {$920.00}. Unfortunately my bank held my 401K cash out check longer than expected causing the funds to not be available in time for the {$920.00} to clear, causing the payment to Ally Financial for {$920.00} to be reversed on XX/XX/XXXX. I called Ally back XX/XX/XXXX and said I wanted to just pay the remaining balance owed not the outstanding balance of {$920.00} ( my 401K cash out had cleared at this point and funds were available ). The Ally representative said " I can not give you a payoff amount until you bring your account current your account is still showing a balance of {$920.00}. '' He also said " once your account is current call back and a payoff amount will be able to be provided. '' I made another online payment of {$920.00} and that payment did clear XX/XX/XXXX. I called back XX/XX/XXXX and got a payoff amount of {$2500.00}, since they my account was current they were able to provide the payoff amount. I made an online payment for {$2500.00} and that cleared as well. Weeks later I received a letter from Ally dated XX/XX/XXXX stating the balance was paid in full and they provided the original title of the vehicle in my name. At some point after my payoff Ally redeposited the first payment of {$920.00} that originally did not clear on XX/XX/XXXX ( even though I made a payment on XX/XX/XXXX to replace that returned payment AND paid of the payoff amount which cleared XX/XX/XXXX ). My bank returned to me the payment of {$920.00} that was deducted from my account AFTER I paid the payoff amount and received my paid letter with the title. Ally is now saying I owe them {$1000.00}. The account should be reflecting closed and paid in full as of 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 explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I set up autopay, for a few days before my due date, while on the phone with a Kia representative. Great- payment went through with the info I entered, no problems. The next month, they said the payment was rejected by my bank and waited until 1 day after the due date to tell me, charged me a {$15.00} rejection fee. I went online, clicked " pay bill '' ... .did n't enter different information, used everything Kia had already to make the payment ( meaning my 14 digit checking acct. # was saved to my Kia acct. properly ). There was no reason Kia couldn't have processed the payment, but they processed it with only 11 of the 14 numbers. I called Kia and they assured me it was fixed and wouldn't happen again. Next month... same thing. I had to call Kia 6 times to get it sorted out. They shut down my online acct. less than 24 hrs. after my due date so I could not pay online and when I asked to be transferred to online help to see why the autopay wasn't working and find out why I was couldn't pay online, they transferred me to a third party collection agency, XXXX, and they wanted a {$7.00} fee to process the payment over the phone, plus the late/processing fee of {$15.00}. I was assured my autopay was set-up correctly by Kia, and then they charged me late fees because they didn't process the payment correctly. I begged them to waive the fees, and they did, but rfused to allow me access to my acct. or transfer me to any other dept. except collections until my payment processed. Collections after less than 24 hrs. late... .with autopay set up correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I sent a international money transfer from my XXXX bank  to my XXXX Bank account and it was promised to be done within minutes. On XX/XX/2022. Once I realized that I did not receive it on XX/XX/2022 I requested a refund which till this day I have not received XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: FL

Complaint narrative:
I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$21000.00} XXXX XXXX Date Opened : XX/XX/XXXX {$18000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Hi, my name is XXXX XXXX XXXX I am having a problem with HSBC bank posting a debt on my credit report that doesn't belong to me. I had my identity compromised on the dark web back in XXXX  where there was a breach and due to this breach this account was opened up under my name in which I didn't find out about it until it was too late. I will provide the documentation below and the FTC complaint # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I received an email from one of my credit cards than my credit score, monitored by XXXX, had tanked XXXX points. 

I logged in and was informed of a " Derogatory Account '' reported by Credit Acceptance Corp reported on XX/XX/XXXX for an account balance of {$32000.00}. 

I have no idea what this charge is and I currently do not have an auto loan with this company. 

I disputed it via XXXX and also contacted Credit Acceptance Corp who recommended that I fill out this form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09 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:
XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL 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 2022-03-09 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:
XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ARS XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2022-03-09 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: FL

Complaint narrative:
I have anunverified account from XXXX XXXX  I had previously disputedthis account. I have never done business with XXXX XXXX Pursuant to the Fair DebtCollection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debtpurport I owe.I request that XXXX XXXX provide verification of the following : 1.The original Application or contract ; 2.Any and all statements allegedly related to this debt ; 3.Any and all signed receipts ; 4.Any and all canceled checks ; 5.Original date of default and collection activity begin 6.Whether you purchased the debt, and if so, the amountpaid for the debt 7.The date ( s ) the debt allegedly accrued ; 8.An itemization of thecosts, including an accounting, forany additional interest, charges, or other fees placed on this account. I want to requestthat XXXX XXXX  Cease and Desist all further communications and collection activesand provide the verification of the purported 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 explanation