vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
My husband and I purchased a home on XXXX XXXX with a conventional mortgage. Property taxes were estimated at appx {$4300.00} for XXXX. We applied for a XXXX XXXX homestead exemption in our county for XXXX and this was granted. As such, our XXXX property tax bill was only {$2100.00}. Once taxes were paid the first of XXXX, XXXX, I requested a new escrow analysis to have my required escrow payment adjusted. Given the difference in the original estimated taxes and the actual taxes paid, the difference is appx. $ 200 monthly that is being over-collected. I have been back and forth with Amerihome Mortgage. The first request was never submitted. A second request was made, and nothing was adjusted. A third request was made, and they finally adjusted the estimated taxes for XXXX but did not adjust the required payment. I called and was told the tax department would not re-visit the analysis until XXXX of XXXX. Every time I talk to a person at the company, I get a different answer and they are short with me and not helpful. I have asked to speak to someone in the tax department and they will not allow it. I am told to just wait. I have also asked to be contacted as decisions are made, and this never happens. This is ridiculous and I should not be required to pay over $ XXXX in escrow when my total required annual escrow disbursements are estimated at appx {$4500.00} annually ( property tax, property ins, and mortgage ins ) AND my current escrow balance is {$2300.00}. I have a balance of {$2300.00} right after paying my annual property taxes and insurance and it is already more than enough to pay my estimated taxes for XXXX. Property taxes and property insurance will not be paid again until XXXX  of XXXX. I had this exact situation happen at my previous mortgage company and when my adjusted taxes bill was received, my mortgage company adjusted my payment immediately. Amerihome should not be permitted to escrow so much more than the estimated outlays required.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am writing to dispute information on my credit report that is definitely inaccurate and should be removed. This information is incorrect and should not be included in my credit report : XXXX XXXX XXXXXXXX

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights.

I have already disputed these items, but the bureaus, did not remove them, nor prove validation under sec. 609 of FCRA.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is essential that you swiftly erase this inaccurate account from my records.

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 2023-10-24 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- -- -TransUnion 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 non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Disputed XXXX accounts on my credit report on XX/XX/2023 and did not receive information regarding the investigation the accounts were marked as verified and updated on XX/XX/2023 with no validations or accuracy to these accounts.

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 2023-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
The bank did not follow banking regulations. They haven't sent a mortgage bill in over four years to someone who has passed away and I made a mistake and purchased a property with a mortgage. 

My mistake is the bigger mistake so I'll end up losing the property in foreclosure but the person who passed away had owned the property for over 50 years and there was no bill, so being careless and not getting a proper title search is understandable. 

I'm fine with losing the property, it was only {$7000.00} so it is not a huge loss but it would be great if a regulator could look at the bank 's business processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been a Citi Bank customer for a few months now, but my account was recently closed without any prior notification. I have been trying to get an update on my account for days now, but no one has given me any information. Despite my repeated attempts to contact them, I have not received any response. Today, on XX/XX/2023, I talked to a representative who informed me that a case has been opened as per my request and I will receive a call back within XXXX days. However, when I first called on XX/XX/2023, I was told that I would receive a call within XXXX hours about the status of my account, but no one has reached out yet. My case number with the XXXX XXXX XXXX is XXXX and the XXXX XXXX XXXX email is XXXX I have requested several times to receive a check with my account balance via mail, but my requests have been denied. Additionally, I have been hung up on during my attempts to get in touch with someone regarding my account.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I was approved for a modification, I went through the trial period, paid accordingly for XXXX then in XXXX I attempted to make my payment by the same method and was not able to. During this time I concurrently applied for a GA Homeowners Asstance Funds Application per my Servicer. I later learned 45 days into the process that this program is subject of an investigation due to some fraudulent activities within the project itself. I received conflicting information from several relationship managers on which avenue would be most beneficial in correcting my default due to covid and the subsequent forbearance exercises. I have sent in many documents proving my income, proving my SS. When the forbearance period ended I made all payments up to date until XXXX, until I was informed I could not make any further payment and that my account was refered to a lawyer. When checking my documents I could call on a Friday and then on Several Days Later, I am asked for more documents. It was under lots of stress, so I reached out to my Congressman on NC and GA. In addition to the aforementioned, during the years of 2019 to present, my daughter was battling a very serious bought of XXXX XXXX, and at that time she was undergoing XXXX and subsequebtly preparing for XXXX for removal of a XXXX XXXX. I did my best to manage all of the issues I was goung through during those years. Concurrently, I also have a brother that is a XXXX survivor, and was battling a reccurance and also dealing with a XXXX XXXX XXXX that left him XXXX partially, and unable to perform duties as he did before the onset of the nerve issue. A relationship managers has asked if I can catch up with my payments, in which I stated yes am able and have been prepared for this. I was traveling back and forth between my brothers home of XXXX XXXX and my residence in XXXX to ensure that both of my family members were getting proper care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/2023 at approximately XXXX XXXX  XXXX XXXX attempted to make a deposit at the PNC ATM located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in the amount of {$640.00} I inserted the money into the machine and as it was counting the money on the screen the screen then indicated unable to process this transaction. It retained the money and did not provide any receipt. I then attempted to reperform the function and the deposit feature was greyed out and not an available function. 

I then chatted with a PNC XXXX " XXXX XXXX '' on XX/XX/2023 to file a REG E dispute reference # XXXX. Provisional credit was issued. As a result, I had several Overdrafted transactions costing me {$110.00} in fees. On XX/XX/2023 my provisional credit was reversed. I did not receive advanced notification that my account would be debited. I contacted a PNC agent to reopen my claim - new claim id XXXX agent name XXXX. Since my provisional credit was reversed I may incur additional overdraft fees. 

I asked to escalate and speak to a supervisor and I was told it would not be of help. I wanted to know if the machine cash balanced when serviced by their vendor and balanced to the electronic journal or settlement receipt. I also would like to know if other customers had filed claims on the machine which may not since the deposit feature was disabled after my transaction. I would like to know if video was reviewed showing my transaction. I would like to understand if there were any software or machine malfunctions noted. I was not provided any details of this nature. If the machine was functioning properly were there additional deposits successfully completed after my transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: OR

Complaint narrative:
I recently viewed my Credit File with XXXX, and noticed an account that was listed as Open, when it should have been listed as Closed. So I disputed the account information and received a notice from XXXX that my dispute was denied. The bank verified that my account is still open. It should not be open. Also, there is a balance of {$43.00} being listed as due on this account in my credit file. This is wrong. I paid this account in full to XXXX balance and then after confirmation that my payment was processed, I called the number on my card and requested this account to be closed. My final statement dated XX/XX/2023 shows the final payment of {$43.00}, with a XXXX XXXX of XXXX. This is the final statement that I received for this account. I have received no other statements since this final statement requesting payment or showing a balance due. When I go online to my accounts on the bank website, there are no credit card accounts currently listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: WI

Complaint narrative:
I received a letter via mail from Phoenix Financial Services on XX/XX/XXXX stating I owed a debt totaling {$1500.00} from XXXX XXXX XXXX XXXX XXXX for a XX/XX/XXXX date of service. I confirmed I was seen in the emergency room of XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX  on XX/XX/XXXX via my online account and visit history, and did receive a bill for this amount, however I confirmed with the original creditor verbally via phone on XX/XX/XXXX that it was paid in full on XX/XX/XXXX and I do not currently have any outstanding debts. Furthermore, I was advised that the creditor does not work with this debt collection agency and has no idea why they would be contacting me. Due to the letter I received stating I needed to " call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. ", I contacted the phone number listed to verbally dispute the debt and advised them to contact the original creditor if they have any further questions as it was paid in full and provided the date of payment. I find it suspicious that I was contacted randomly by a debt collector after 4 years from the service date advising that I owed a debt in full that was already paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Best regard The following complaint is to make a complaint to Bank of America and the Visa Unlimited Cash Rewards Credit card, since they have been charging me dishonest and unjustified interest. 
They granted me credit on a card that currently has its last 4 numbers ending in XXXX since they decided to change the card number during the year of use. The agreement established with XXXX XXXX XXXX was that they gave me the credit card with XXXX interest payments for 18 months. 
I started using the card on XXXX XX/XX/XXXX and the agreement was for 18 months, meaning that the term should have been met on XXXX XX/XX/XXXX ; but they decided to start charging me interest on XXXX XX/XX/XXXX in the amount of {$140.00} when in reality the agreed period of 18 months was due on XXXX XX/XX/XXXX. Given this, I decided to make a claim to the Bank, but they told me that the system did not allow them to return the money, because supposedly, according to them ; The deadline had already ended and that in the course of the days they would decide what to do, so I waited patiently without any result. 
Then I had to desperately get the money and decided to completely pay the card debt with a balance of {$6100.00} on XXXX XX/XX/XXXX and I did this with one month left of the promotion I had to use the card without any interest. 
But this was not dishonest enough for Bank of America and its Visa card, when I had already paid my debt in full, they again charged me interest of {$100.00} on XXXX XX/XX/XXXX to which I felt attacked and made another claim for their dishonest treatment, to which they responded in the same way as what was previously mentioned. 
So I felt so humiliated that I decided to close my checking account after 13 years of having an account with them, and they didn't care at all about how loyal a customer I had been. I changed banks, of course still leaving my credit cards open, but as much as possible today I try to use them very little. 
Then on XXXX XX/XX/XXXX I paid the dishonest amount that they had charged me in the amount of {$100.00} so as not to have any other problems with this card. 
Due to the aforementioned, I have decided to go to the CFPB to help me recover what belongs to me and not let these entities get away with this and continue committing this type of fraud and deception. What exactly I am asking for is that the two charges for unjustified interest charges of : XXXX XX/XX/XXXX {$140.00} and XXXX XX/XX/XXXX {$100.00} be returned In total it would be {$250.00} which I ask to be returned to the card as soon as possible. 
thanks for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-10-24 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
There are inquiries that I never authorized reporting on my consumer report. I tried resolving this with the credit reporting agencies, but I have yet to receive the validation I have requested. This is a direct violation of my consumer rights because the inquiries are still reporting 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 2023-10-24 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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