vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
At the closing of our mortgage on XX/XX/2020 our estimated monthly escrow payments for our insurance and taxes was {$1800.00}. We received our first escrow analysis XX/XX/2020 and within that notice they indicate they have received the actual amounts for our taxes and they are lower than what they estimated ( Estimate : {$1600.00} monthly, Actual : {$1500.00} monthly ). As part of that Escrow Analysis they are asking us to pay an additional {$2700.00} in one lump sum or over 12 months. I reached out to Bank of America to understand why we're being asked to pay more when our actuals ended up being less than their estimates and the explanation was more of a regurgitation of the Escrow Analysis instead of  addressing the route cause that their initial calculation at closing appears to be a miscalculation on their part. The idea that your escrow payments need to go up even though your taxes came in below their estimates seems to be a miscalculation on their part at the onset of the mortgage or just a poor explanation of their escrow calculation process. 

Fortunately I am able to handle this financially, but I can imagine others that would go through something similar could struggle to pay if Bank of America is not properly explaining their escrow calculation prior to closing or just doing it incorrectly and creating these surprise additional payments. Also, could see how this could affect people that would want to plan and pay down their mortgage faster with additional payments, thus causing additional financial harm.

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 2020-08-13 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: U.S. BANCORP
State: MI

Complaint narrative:
Inquiry from US Bank on US Bank DS Northeast. I dont not recognize this lender or giving authorization to perform a hard inquiry.

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 2020-08-13 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: IL

Complaint narrative:
I filed a dispute on Experian XX/XX/2020. This dispute was against XXXX. I had filed the same dispute with XXXX  and after they investigated they agreed to remove the negative remark from my report. Experian and XXXX have been difficult to work with and both companies have been hard to get a hold of. This account with XXXX has been paid off. I have the title of the vehicle in my possession. This account is also included in the current settlement XXXX is facing. I am a father to XXXX  children looking to buy our first home. These negative remarks that are not relevant or applicable are severely affecting my ability to do so.

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 2020-08-13 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Inquiry from NavyFCU on XX/XX/18. I dont not recognize this lender or giving authorization to perform a hard inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Familys members dont have bank account for the Unemployment Benefit from the New State Department Of Labor,  so they used my bank account. There was no problem until XXXX, XXXX, 2020, i saw all the money was gone and i called in. They told me that they need to hold {$2000.00} for some reason and then, they closed my account. They didnt call me to let me know until i called in and found it out. After 3 days from the date account was closed, i called back in and they said they need to investigate. Then, i called back in after 2 weeks, the money is still not returned back to the New York State of the department of labor for my familys members. I believe that there is illegally action in my  situation and I want to file the claim against the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: MI

Complaint narrative:
Inquiry from NavyFCU on XX/XX/18. I dont not recognize this lender or giving authorization to perform a hard inquiry.

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 2020-08-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I had booked XXXX XXXX tickets for my family members ( XXXX XXXX to Washington XXXX ) using my Citibank credit card on XX/XX/XXXX. 
The Actual travel was on XX/XX/XXXX, Due to travel restrictions and lockdown in XXXX, I had cancelled my tickets on XX/XX/XXXX. 
As per XXXX customer service updates I should get refund in 90 days from XX/XX/XXXX. Since 90 days was long time for me, called Citibank and opened Dispute transaction and XXXX  responded back to dispute saying, we are working on Refund. Hence we do not accept charge back, so please ask customer to work with us directly to get Refund.

I thought XXXX  is really doing something, so I had withdrawn my dispute and started calling XXXX Customer care. 
I had called Airlines more than 30 times so far and every time they are just asking me to wait for 7 -14 days and pushing as far as they can. 
As of today XX/XX/XXXX, I have no updates from Airlines and refund not processed. 
It's been 5 months now, I don't know how long I have to wait. Citibank is saying they can't help on withdrawn dispute.

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 2020-08-13 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: FL

Complaint narrative:
On XX/XX/2020, Moneygram discriminated against me when I attempted to send {$200.00} USD to my uncle in the XXXX XXXX, XXXX XXXX. My uncle is a XXXX XXXX in XXXX and since the pandemic he has not been able to work. I was sending funds to help my relative. I sent the funds online and I received a XXXX XXXX. XXXX. I reached out to my uncle to collect the money. However, I received notice that my account was closed down. I called Money Gram for an explanation and they could not provide a valid reason for closing my account. The agent on the phone insinuated that I did not know the receiver. I told her multiple times that I knew the receiver. The agent was unhelpful and I am not satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
1. I am writing to you today to resolve ALLY Bank ( XXXX # XXXX ) This account is related to XXXX XXXX XXXX, which was totaled XX/XX/XXXX. 
a. The vehicle was insured by XXXX and a checking for XXXX was issued to ALLY on XX/XX/XXXX. ( check # XXXX ) b. There was an unpaid balance which was subsequently paid by the GAP insurance ( Though some extensive efforts ALLY received SAFE GUARD check and I was told by their employee it will be back dated to XXXX ) c. ALLY Bank utilize the XXXX check for monthly payments thus showing continued payment on this loan. My last payment to ALLY was in XX/XX/XXXX. 
d. ALLY did not file for the GAP insurance payments until XXXX ( something they are responsible for ) e. Ally shows an incorrect balance on this account which should be XXXX and paid for without any late payments. 
f. I spoke ALLY many times in XXXX trying to resolve this issue while I was deployed. I subsequently email XXXX XXXX. XXXX XXXX Executive Officer and Director, Ally Financial Inc. with no response. 
g. I have contacted the three credit reporting agencies with supporting evidence and Ally subsequently place a higher balance on my account causing my credit score to drop several points.

2. Ally currently has two separate accounts on my credit profile XXXX ( showing charged off ) and XXXX ( showing late payments ) a. I had only one account with ALLY Bank! 
b. Together these two accounts have ruined my credit for seven years.

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 2020-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian has blatantly denied my request to dispute this account showing an inaccurate payment status on my credit report. Ya 'll have accused me of being a credit repair company and denied my investigation request. That is NOT how this is suppose to be handled. According to FCRA I have the RIGHT to request that any information being reported on my credit report be 100 % accurate and verifiable and you have failed to do so. If my investigation request isn't taken serious this time I will be forced to notify the FTC and the attorney general to step in help with this issue. 

I have several closed XXXX XXXX XXXX accounts reporting 90 Day Late payments on XX/XX/XXXX. That is not possible because my students loans have always been deferred due to me being enrolled in school. I ask that you please delete this erroneous reporting. In the comment section of the accounts it also says, 90 Days Past Due or 90 Days Delinquent. I ask that you DELETE ALL of this incorrect  information. According to FCRA, incorrect or non-verifiable information cant be reported and shall be deleted promptly. 

I have a 30 day late payment being reported under XXXX XXXX XXXX XXXX on the month of XX/XX/XXXX. I was never late on this account and according to my credit reports, youre the only bureau reporting this late payment status on these dates. Please delete & remove the late payment status and put it back to current. According to FCRA, incorrect or non-verifiable information cant be reported and shall be deleted promptly.

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 2020-08-13 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: CO

Complaint narrative:
Experian should not be reporting a collection/chargeoff in the amount of {$900.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to continue to investigate this complaint. ) This account has been paid. I have attached a copy of the payment letter. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: R & B Corporation of Virginia
State: FL

Complaint narrative:
We were moving after 23 years and cancelling our XXXX account that included a land line, internet and television. In XX/XX/2019, I called XXXX because we wanted to keep the land line number and were advised we could port the number to a cell line, then cancel internet and television. We ported the line and XXXX changed the account number to a new number. I could not log on to the old account, for a period of time, no one at XXXX could find an account. When found, I asked to cancel the internet and phone. The representative advised that the new home owners could use the account and not have installation fees. I said we would let them know. What was not explained is that I needed to call them back that they were not closing the account which is what I called for. I found it unacceptable that they would hold my account open and actually can not understand why a company would expect me to try and get business for them in the first place. When I returned the equipment per their instructions to the store, the clerk advised me the account was not closed and that I needed to call and cancel. Thus extra charges were charged to the account. I spoke to the billing department several times starting and was advised they were elevating it to a different department and would contact me back. I did not get contacted back by them, but the account was sent to a Credit corporation who now says XXXX says it is due and therefore it is due in full. I feel the company acted irresponsibly in not closing the account as asked and now submitting the charge to a collection bureau.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: MI

Complaint narrative:
XXXX is charging me for two accounts, and put two accounts into collections. when I have never used or operated a XXXX phone.

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 2020-08-13 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: MI

Complaint narrative:
XXXX is charging me for two accounts, and put two accounts into collections. when I have never used or operated a XXXX phone.

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 2020-08-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Despite several disputes, Bank of America continues to report account with first delinquency older than 7 year to XXXX. The account should have been removed in XXXX of 2020, and was removed from both XXXX  and XXXX  but BoA continues to verify account despite being past the legal age.

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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union  or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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