vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Flagstar Bank continue to keep my tax escrow. In XX/XX/XXXX I was awarded 100 % disable veteran status. I contacted the tax assessor in XXXX XXXX to advise of the veteran status of 100 % and was told starting XX/XX/XXXX I will no longer be required to pay real estate taxes for my property. I mail and faxed a copy of the letter from XXXX XXXX tax assessor office advising Flagstar on the change effective XX/XX/XXXX in which the escrow department acknowledge receipt of the documents. My escrow account was reanalyzed in XX/XX/XXXX and I receive a letter stating my escrow account would be short and in XX/XX/XXXX my payments would increase even though my real estate are no longer required by XXXX XXXX tax assessor. Since XX/XX/XXXX my payment increase due to the escrow shortage and the payment include real estate tax which are no longer required. I've never received any of the excess overage from my escrow account for the 2021 year. I've paid all my mortgage payments and have never been late however my escrow funds are still collecting for real estate taxes. It is illegal for mortgage companies to keep escrow funds and not accept the tax exempt from XXXX XXXX, FL. I would like my excess real estate amount as well the account needs to be re-analyzed to remove the real estate taxes asap and not wait until 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 2022-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank Growth Money Market Account was opened and added to my online banking. I did not request nor apply to have this account opened. I have contacted TD Bank to have the account closed and investigated. TD Bank submitted this situation to their Fraud department. TD Bank recommended that I also submit a report here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 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:
On XX/XX/2022 I certified mailed a letter disputing an erroneous account on my credit report asking Equifax to investigate this, provide me with the documents used to verify and validate the account, or delete the account immediately from my credit report if they could not. It has now been more than 30 days since they received the letter ( which I have proof of ) and they have not responded nor have they removed the account. I have attached the original letter mailed on XX/XX/2022 ; as well as a failure to comply letter updating them on their willful negligence to comply with my request, the Fair Credit Reporting Act, and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My debit card number was hacked where I bank at Wells Fargo. Upon receiving a text message from their fraud detection system on a {$1000.00} charge, I immediately responded no, and called the wells fargo fraud department. By the time they cancelled my card, another transaction was charged of {$4000.00}. Upon trying to go through the fraud claims process, Wells Fargo has stated, without providing documentation stating so, that there appears to be no fraud on the account, and they denied my claim for the total of {$5000.00} that was taken from my account. The charges were used to purchase XXXX from XXXX, and since it's a XXXX XXXX XXXX, I can not receive my money back from 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 2022-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I financed a car loan at my local car dealer. My source of funds were my XXXX XXXX Compensation and money/inheritance I receive from my mother. M & T Bank has XXXX  profiled me. Closed my account due to a defamatory comment by XXXX against me. and Were talking to me about the XXXX XXXX XXXX. They also told me they would take action which to me meant they are working with Police on criminal charges. I will say its hard being a XXXX in America and I can not accept this inequitable treatment anymore. Consumer Finance Protection Bureau of Washington DC you are complacent. I have no accessibility to the car loan I have. M & T Bank even claims they are enforcing a generic Virginia law contract. Its so weird how banks believe they can oppress you- and you know they can because this has caused substantial damages that was overly burdensome more than most men can bear. 

I disputed the interest charges from he last time I had accessibility to present time but my dispute has not been processed or responded to in writing. Today I paid {$880.00} on a car loan that I have no access to the loan number or what was charged and for what. I dont know interest rates interest charges per diems or anything since I am a XXXX in America . I just want to let you know that it is my Goal to have a Jury of my peers see the systematic XXXX XXXX XXXX  for XXXX in the Financial System. This one is a little different though- this one is a liability, a loan, an obligation. What a sad state of affairs. We are in. CFPB ask them how many hours I had to be damaged to deal with this. This is a recurring problem of XXXX XXXX XXXX XXXX from the FInance System that has caused consequential damages to self which could be described as overly burdensome by the average 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 2022-03-15 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:
On XX/XX/2022 I certified mailed a letter disputing an erroneous account on my credit report asking TransUnion to investigate this, provide me with the documents used to verify and validate the account, or delete the account immediately from my credit report if they could not. It has now been more than 30 days since they received the letter ( which I have proof of ) and they have not responded nor have they removed the account. I have attached the original letter mailed on XX/XX/2022 ; as well as a failure to comply letter updating them on their willful negligence to comply with my request, the Fair Credit Reporting Act, and CFPB.

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 2022-03-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I reviewed my credit reports with all three credit bureaus and noticed a collection from a company by the name of National Credit Systems , Inc . I wrote them a letter on XX/XX/2021 requesting for " Validation '' of the alleged collection. I never received a response. I then wrote another letter dated XX/XX/2021 and sent this letter via Certified Mail. ( see attached proof ) I still recevied no response. I wrote a third ( 3rd ) letter dated XX/XX/2021, mailed via certified ( see attached proof ). I received a simple letter from National Credit Systems Inc dated XX/XX/2021 with no documentation for validation, only a " Identity theft Victim 's Complaint and Affidavit. ' As I reviewed this letter and the attachments sent I notice that they did not have my correct name. 

I then wrote to them again on XX/XX/2021 informing them that what they sent as " validation '' of a debt was insufficent as well as letting them know that the name addressed on the letter was not me ; mailed via Certified Mail. ( see attached proof ) On XX/XX/2021, National Credit Systems , Inc. mailed me the exact same letter as they did on XX/XX/2021 with the same documentation for me to complete. I have never received anything from them " proving '' what they have reported under my name and social security actually belongs to me. I can not identify this debt, who they are and why they feel that I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: GA

Complaint narrative:
Transunion is allowing creditors, who do not have any permissible purpose to report inquiries on my credir report. Transunion failed to protect my privacy and this has caused me all kinds of mental stress due to the fact that my reputation is being slandered. Since Transunion assumed a vital role in my life they have to insure that they exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Please restore my confidence. TransUnion received the letters i sent them to correct the issue on Friday XX/XX/ 2022 2022

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 2022-03-15 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:
On XX/XX/2022 I certified mailed a letter disputing an erroneous account on my credit report asking Equifax to investigate this, provide me with the documents used to verify and validate the account, or delete the account immediately from my credit report if they could not. It has now been more than 30 days since they received the letter ( which I have proof of ) and they have not responded nor have they removed the account. I have attached the original letter mailed on XX/XX/2022 ; as well as a failure to comply letter updating them on their willful negligence to comply with my request, the Fair Credit Reporting Act, and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: FL

Complaint narrative:
There is an account on my credit report that is listed under First Progress, opened on XX/XX/2015 with a balance of {$200.00}. I previously disputed this account and received copies of billing statements as validation of the debt. 

My issue is that I previously contacted this creditor and requested that they close the account and return my security deposit. 

The account closure was not processed by First Progress, which led to the account being charged-off. 

This was completely erroneous on their end as this account should not have been kept open and my deposit should have been returned to me, which I did not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TN

Complaint narrative:
It's been information reported on my consumer report that I consider private and it's account that should not be shown on my consumer report.

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 2022-03-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I have written a letter to Experian and Informed them that following items on my credit report are inaccurate and they should be remove ASAP. I never received any corresponding from the XXXX that they have initiated any inquiry. It has been 30 days since I sent them letter. Therefore, According to the XXXX FCRA the following unauthorized and unverified must be removed immediately, since they are stopping me to getting into a home. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. TX- 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 2022-03-15 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:
Re : Victim of Identity Theft. This is not an error. 

******************************************** I have been dealing with unauthorized use of my personal information which resulted in unauthorized items on my credit report. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name. I did not authorize these inquiries to be taken out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear Sir or Madam : My wife and I recently ( XX/XX/2022 ) attempted to refinance my mortgage with US Bank. I chose them because my existing loan was already with them. I was assigned a loan officer, XXXX XXXX XXXX XXXX help the process go smoothlyI thought. 
I filled XXXX XXXX in with all the personal and financial information he requested. He indicated that the only out of pocket expenses I would be responsible for was an application fee of {$390.00}. I learned, as the process continued, that XXXX XXXX concept of Out of Pocket did not include what eventually would become thousands of dollars in bank charges taken from the sum I was borrowingbut the truly outrageous problems were yet to come. 
In the first set of loan documents I was sent the estimated cash to close included a cash payment to me of {$4400.00} plus dollars. Less than what I expected but XXXX XXXX explained that because they had to increase the amount of the loan based on my income the costs had gone up. These loan docs were e-mailed and I Docu Signed them. 
In the mail arrived a full set of loan docs on paper for my wife and I to sign. On the page that included the costs, what previously was {$4400.00} plus dollars had now become {$550.00}! The costs had once again gone up. I tried calling XXXX XXXX for four days but got no response. Instead I received an e-mail from him with all the Loan Docs for me to final review. On the cost page of these docs was a shock. The {$4400.00} that had become {$550.00} was now listed as {$22000.00} for me to pay the bank in order to get this load!!?? After two more days of trying which included have the US Bank home office send an e-mail to XXXX XXXX telling him to contact me, I finally reached him by calling all morning. 
On the cost page the loan had gone up, the points had doubled and other costs had been included. XXXX XXXX put it off to the back that my home, that the XXXX had listed at {$630000.00} was now worth {$730000.00}! He also seemed totally unaware of the {$22000.00} the bank wanted me to pay them to get this loan. 
In the past 50 years I have had many mortgage loans and have been through a number of refinances. No bankruptcies never missed a payment, never foreclosed. What this appears to me is a clear case of discrimination. The bank feeling that my wife and I were XXXX plus and therefore a poor risk. Rather than just pass, they felt it was easier to propose an outrageous amount of costs and therefore I would just go away. To this day I have not received the $ XXXX XXXX paid as the initial fee, nor any sort of reasonable explanation for the hours my wife and I spent with paperwork only to be left with nothing. 



Sincerely, XXXX XXXX XXXX XXXX ID in 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 monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2022, I submitted a fraudulent claim in regard to a transfer and withdrawal of funds from my bank account to another bank account in the sum of {$2000.00}. This was clearly a hacked account situation and was reported. They sent me a letter which I received today XX/XX/2022 stating there was no error and no credits will be issued. This is wrong and I need to get the money stolen from my account back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act the following creditors have violated my rights : XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 non-monetary relief
Consumer complaint received 2022-03-15 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE XXXX XXXX  has reported debt from a hospital and the hospital has been paid from my insurance and removed the co-pay with the financial assistance program from XXXX until XXXX. I have disputed this numerous times they also use excessive reporting and I have been denied credit and loans due to this false reporting. I have contacted them several times and they have not resolved this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I filed a complaint with CFPB against Equifax. CFPB notified myself, CFPB had submitted my compliant to Equifax 0n XX/XX/2022. On XX/XX/2022 Equifax closed the complaint without removing the inaccurate information off my credit profile, since XX/XX/2022 I received a letter from XXXX stating, XXXX has failed to verify any of these inaccurate items and has removed the items from my XXXX profile. 
As a consumer Equifax has violated my rights for the past 2 years. Listed below are the inaccurate items Equifax are refusing to remove off my credit profile although I've tried relentlessly disputing these for quit sometime with Equifax.

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX ( this was never late, item paid in full ) this item was never late!!!!!!! 
3 ) Bankruptcy XXXX XXXX 4 ) Bankruptcy XXXX XXXXXXXX 5 ) XXXX XXXX XXXX ( Equifax is reporting this item twice on my credit profile ) this item was paid in full never late!!!!!!

I want Equifax to remove all inaccurate items listed above off my credit profile ASAP!!!! Or I'll be taking LEGAL ACTION!

Equifax has failed to read an understand : 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collectio
n practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act the following creditors have violated my rights : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX -XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account XXXX XXXX -XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX XXXX ( XXXX XXXX  : XXXX XXXX XXXX  Account XXXX XXXX -XXXX  Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 non-monetary relief