vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
On XX/XX/14 ( one day before my closing ) I finally got closing disclosure from Better Mortgage. I was asked for put 12 months ' of property tax and school tax in my escrow account ( ~ {$5000.00} ). When I challenged them and the cushion should be XXXX months I was told it's industry practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
Please answer each Fact stated in the Affidavit of Truth attached hereto. These and all other attachments/ Exhibits were received by Ally Financial on 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 2021-12-14 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: Conn's, Inc.
State: TX

Complaint narrative:
Someone opened an account at conns got furniture.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: NJ

Complaint narrative:
These Lates Are False and must be CORRECTED : XXXX XXXX XXXX - Balance {$370.00} Opened XX/XX/XXXX This card was originally a Visa card and then it switched to XXXX. The company somehow mixed up my account and my automatic payments were not transferred over when the bank was sold. This late payment showing on XX/XX/XXXX is FALSE. 

XXXX XXXX - Balance {$23000.00} Opened XX/XX/XXXX Showing incorrect late XX/XX/XXXX. I have automated payments and I have never been late. This late is incorrect. 

XXXX XXXX XXXX XXXX- {$5400.00} Opened XX/XX/XXXX Showing incorrect late. I updated my debit card information, but for some reason, they didnt process it and it resulted in an incorrect late showing on my credit. Remove this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 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: NJ

Complaint narrative:
These Lates Are False and must be CORRECTED : XXXX XXXX XXXX - Balance {$370.00} Opened XX/XX/XXXX This card was originally a Visa card and then it switched to XXXX. The company somehow mixed up my account and my automatic payments were not transferred over when the bank was sold. This late payment showing on XX/XX/XXXX is FALSE. 

XXXX XXXX - Balance {$23000.00} Opened XX/XX/XXXX Showing incorrect late XX/XX/XXXX. I have automated payments and I have never been late. This late is incorrect. 

XXXX XXXX XXXX XXXX- {$5400.00} Opened XX/XX/XXXX Showing incorrect late. I updated my debit card information, but for some reason, they didnt process it and it resulted in an incorrect late showing on my credit. Remove this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: MD

Complaint narrative:
Someone stole my identity and they opened up several accounts using my information and I furnished none of these. Please remove them off my credit report. The items are as below : - XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX US Dept of Education ( {$1800.00} ) - US Dept of Education ( {$2200.00} ) - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX ( {$1200.00} ) - 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 2021-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I want to show CFPB how despicable and unethical a lending company can be. I have initially filed a complaint against One Main Financial for a violation of my rights concerning a personal loan I borrowed. When I called the company to complain I was hung up on and told to look up an obscure term they called " the rule of XXXX. '' When I looked up the term, I found it's declared an illegal practice for loan companies to use. Moreover the credit agencies I called never heard of the term. There is also nothing in my paperwork that mentions such a term. This clearly indicates how this company has no scruples and violates the truth in lending laws set up by the government. In the follow up to my complaint, the company sent me a Compromise /Release agreement for me to sign. I thought the company was going to send a simple paragraph to reach an amicable agreement. Instead, I received an agreement that they expected me to sign giving up my rights, in particular that they are guilty of no wrongdoing and a clause that I would not be able to sue. That the company sent such an abhorrent and unethical letter ( which borders on the criminal ), clearly indicates that they are in fact very guilty of wrongdoing and other unethical practices. The letter is a clear violation of not only my consumer rights, but my constitutional rights as well. 
If the burden or proof is on me, I am glad for it, for their agreement is chock-full of violations. I moreover can honestly show that I have paid the principal balance I borrowed ( I have all my documentation ) and the CFPB can clearly see for themselves in their compromise letter the predatory company they are, and their unregenerate business practices, especially against XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: VA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: VA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
I have been a credit card holder with Target for several years with no issues with any payments. Recently I had a reoccurrence of XXXX  and had to stop working and unfortunately had XXXX  on my bank account due to being in XXXX. As soon as I was aware of the issue I called the bank and my credit card companies requesting some assistance due to dealing with covid related issues. The bank and my other 2 credit card companies seen my payment history with no issues for the last several years and waived my returned payment fees. Target on the other hand refused to waive the returned payment fee and offer no Covid assistance per speaking with a Target supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a checking account with Chase. I am having trouble sending an XXXX payment to my son. I keep getting locked out. I have spent four hours on the phone with Chase. I wait for long times to speak to someone and when I do there is a long process to " qualify '' me. Some agents quality me and some don't. Some refuse to let me speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I XXXX XXXX requested validation of this debt and SYNCB XXXX failed to provide Validation. This violates 15 USC 1592g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
The apartments management changed and ownership changed several times. 
They would send out letters stating this. 
This caused a lot of missed communication. 

We then spoke with a lady name XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who worked in the business office. We did a mutual Agreement. Because of the inconsistency with fixing things and not being able to tell us what the xtra fees on our rent bill was. 
No eviction was filed. 
We also have a letter stating the balance we owe. It says XXXX. 

We reached out to the apartments for several months, they told us its in collection We then reach out to the collection agency. 
The balance on my credit profile was XXXX I called and spoke and asked for a payment plan. They said no. Pay in full. 

Then about 2 days later the amount went up to XXXX they added XXXX. 

We called again asked why did the amount get raised? After the phone call. They raised the balance to XXXX dollars.. 

My lawyer has reached out numberous times. 
No response.. 

This is ruining my life. Ive had to stay with family, not able to get a place of my own. I have two small children. I want to pay this off. But only the official amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
hi Im XXXX XXXX and my XXXX is XXXX. I'm just writing to make a follow up on my disputes. Its been over 3 months since I sent you a letter but I haven't heard anything from you. according to FCRA section 611 ( a ) failure to investigate within 30 days gives a reason to remove the negative items but unfortunately, there's also no changes on my scores and I know you received my letter because it was sent via certified mail. I am reattaching my dispute letters so please take action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 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: MD

Complaint narrative:
Someone stole my identity and they opened up several accounts using my information and I furnished none of these. Please remove them off my credit report. The items are as below : - XXXX XXXX - XXXX - XXXX XXXX XXXX  XXXX US Dept of Education ( {$1800.00} ) - US Dept of Education ( {$2200.00} ) - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX ( {$1200.00} ) - 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 non-monetary relief
Consumer complaint received 2021-12-14 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: MD

Complaint narrative:
Someone stole my identity and they opened up several accounts using my information and I furnished none of these. Please remove them off my credit report. The items are as below : - XXXX XXXX - XXXX - XXXX XXXX XXXX  XXXX US Dept of Education ( {$1800.00} ) - US Dept of Education ( {$2200.00} ) - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: UPGRADE, INC.
State: FL

Complaint narrative:
I have contacted this company ( Upgrade Inc. ) multiple times regarding them reporting an account to my credit file that does not belong to me. It has been months and I have not heard or seen any change. When I try to contact them the number does not work XXXX. It is a shame and it needs to be handle as it is affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: NJ

Complaint narrative:
Remex INC sent me collection letters for a debt that was not mine. I requested further information regarding the debt including the following : 1. A full invoice 2. A signed agreement to pay the debt issued by original parties 3. State of NJ Bond which allows them to collect debt in the state of NJ.

Unfortunately the company could not provide # 2 and # 3 of the requested information. Because I was being difficult they just sent my incomplete information off to credit agencies. I disputed with one agency which immediately scrubbed the collection attempts from my report due to them not having complete personal information submitted. Remex INC. does not have my social security number which led them to believe this is a fraudulent collection attempt. 

XXXX still has the collection attempt on my report despite them not receiving my social security from Remex, their fraud department told me they do not have my social. 

The amount is for {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
hi Im XXXX XXXX and my XXXX is XXXX. I'm just writing to make a follow up on my disputes. Its been over 3 months since I sent you a letter but I haven't heard anything from you. according to FCRA section 611 ( a ) failure to investigate within 30 days gives a reason to remove the negative items but unfortunately, there's also no changes on my scores and I know you received my letter because it was sent via certified mail. I am reattaching my dispute letters so please take action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 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: PA

Complaint narrative:
hi Im XXXX XXXX and my XXXX is XXXX. I'm just writing to make a follow up on my disputes. Its been over 3 months since I sent you a letter but I haven't heard anything from you. according to FCRA section 611 ( a ) failure to investigate within 30 days gives a reason to remove the negative items but unfortunately, there's also no changes on my scores and I know you received my letter because it was sent via certified mail. I am reattaching my dispute letters so please take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: OH

Complaint narrative:
I have been trying to dispute two inquiries on my account. The first inquiry is by XXXX XXXX/Paramount Residential Mortgage Group on XX/XX/XXXX. The second one was made on XX/XX/XXXX, and it says only XXXX XXXX on the inquiry. These were made without my consent or knowledge. The company Paramount Residential Mortgage Group was contacted about my disputes, and they used text messages between me and the loan officer, XXXX XXXX as evidence that I consented to the credit pulls. I received a letter from XXXX XXXX on XX/XX/XXXX, stating my dispute was denied because of the text message evidence. This information is false because the last day I talked to him was XX/XX/XXXX. He messaged me several times throughout the year, and I didn't text back. My credit was pulled twice, and I did not talk to anyone from a mortgage company, nor did I go to a different mortgage company for a year and seven months. The only date I messaged XXXX back was XX/XX/XXXX. I have been wanting to work on my credit, but I haven't worried too much about it the last two years, this is why I didn't catch the inquiries right away. I made sure to text message XXXX XXXX from Paramount Mortgage Group on XXXX XXXX and said, " Do not pull my credit ever again. '' I also said, " The only credit pull I agreed to was on XXXX XXXX. '' XXXX XXXX agreed and said, " Yea that was the only time. We noticed you were getting back into things, what were you looking to get done? '' I told him I was not interested, and he continues on about how he has no idea what I am talking about. There was a mistake made somewhere both by Paramount and XXXX XXXX. They are refusing to acknowledge or look at my evidence. The dates of the text messages were overlooked and ignored. I have researched this company and they have done this to many people, and they act like it's a mistake if they do acknowledge they illegally pulled your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank is collecting nearly {$9000.00} too much for my escrow account. This is the second year in a row I have received an escrow refund check of nearly {$9000.00}. I have now submitted full documentation to Citizens Bank twice, first in XXXX of 2021 and again in XXXX of 2021, following their instructions, in order to have the taxes on my escrow account corrected. With two full years of escrow history, and after writing me two checks of nearly {$9000.00}, Citizens should certainly be able to recognize the problem, my submissions not withstanding. However, they are for the second year in a row INCREASING my escrow payment. As I have had no success having the account corrected through citizens, I am filing a report here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I received an alert on my XXXX credit report that I had a new collections. I was surprised since I've paid down/off most of my outstanding debt this year. I disputed the charge and it came back verified as my account. I called the agency to figure out the original creditor. I called on XX/XX/XXXX and was told they couldn't find an account and would call be back in 30 mins. I received no call back. I called back on XX/XX/XXXX and was told I had 3 different accounts and those accounts did not match what was reported on my credit report. I asked for a itemized statement since I've never received one from the original provider, apparently the system is down and they said they will send it later. I called Transworld to just pay the XXXX account since I'm in the process of refinancing my house and was told I needed to pay {$560.00} instead of the {$390.00} reported on my credit report. I also asked for a receipt and she told me that the bank statement will serve as my receipt. I told her that was unacceptable and will need something in writing that says this account has been resolved. I almost positive I wont receive one since I haven't received an initial letter that I had an open account with them. I only found out about the account when I got the alert from XXXX. The rep that took my payment over the phone was RUDE and not customer friendly. Here words to me were " We can't tell the computer when to send the updates to the credit agencies '' and " You transaction on your bank statement will serve as your receipt. ''

Company response to consumer: Closed with explanation