vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received mail stating a Bank of America account was opened in my name and that they needed my id to continue opening the account. I phoned the number on the mailer telling them that it was fraud and to close out the account immediately. They went on to say I needed to send them all of my personal info so that can do an investigation, I told them no. I continue to receive mailers stating they couldnt close it out because I did not provide my SSN, ID, RENTAL records, etc. I alerted experian of this issue. I just dont think it is right to submit my personal info to close an unauthorized account to begin with.

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 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had three late payments on two separate accounts with one company that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have been making my payments on time for the last two years for my accounts with XXXX XXXX. I asked for a Covid Relief one month when it was offered in XX/XX/2021, due to not working during that time. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided. I demand these late payments be updated to on-time to reflect the consistent on-time payments I have made. As, I have been diligent in maintaining a positive payment history and as I stated above. I have not made a late payment in two years going on three. Please investigate. 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
Consumer complaint received 2023-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have US Bank service my VA loan. I've had the loan serviced since about XX/XX/XXXX. The past two escrow accounts ( for years XXXX & XXXX ) have been calculated WRONG. The first time ( yr XXXX ), there was a surplus balance of {$4500.00} and the second time ( yr XXXX, there is a balance of {$4900.00}. This year XXXX, US bank stated that there is a {$9200.00} escrow account shortage which raised my payment SIGNIFICANTLY. I believe, this year, the calculations would not be as projected by US Bank similarly as previous years were also appears to be calculated WRONG. 

US Bank sent an " Annual Escrow Account Disclosure Statement '' that is very cryptic and hard to interpret. There are MANY numbers and tables for me to fully and correctly understand. I called several times without any success for me to fully understand. 
For instance : I'm willing to pay year XXXX balance that I owe for {$4900.00} ( refer to item A in the submitted document ) before XX/XX/XXXX ; US Bank will collect {$8600.00} on XX/XX/XXXX ( refer to item B in the submitted document ) ; US Bank will pay {$540.00} for Hazardous Insurance ( refer to item C in submitted doc ) & {$8100.00} for Property Taxes ( refer to item D in submitted doc ). 

If I do calculations ( as best understood ) on the " Annual Escrow Account Disclosure Statement '', US Bank will pay {$8600.00} for property taxes and insurance ( which would cover all my dues for yr XXXX ). 
If I pay my previous balance of {$4900.00}, the escrow account of {$9200.00} would results to be {$4300.00} which appears to be reflected on such statement ( refer to item F in submitted doc ). 
If I add items A & F, the escrow " shortage '' appears to be reflected of {$9200.00}. 

SO ( first scenario ) : If I add the collected taxes ( D ) and insurance ( C ) for {$8600.00} If I pay the required balance ( F ) of {$4300.00} The total would be ( after item A payment ) {$12000.00} WHEREAS ( second scenario ) : US Bank states that the Shortage ( after item A payment ) is {$4300.00} ( item F ) US bank will collect ( item E ) {$8600.00} Totaling {$12000.00} US bank appears to calculate dues for yr XXXX for {$12000.00}. 
WHERE it appears that my yr XXXX dues are {$8600.00}. 
THERE is a difference of {$4300.00}. 

THIS difference balance is affecting my new payment for year XXXX. 
I'm not an expert or well informed on mortgages, but I find it conflicting that US bank set the terms and does not allow the customer to make other possible arrangements ( based on RESPA Regulations ) to pay the dues - in a worst case scenario and assuming I don't pay my taxes, US bank would repo the property and not necessary the county. 

To conclude, based on the history on WRONG escrow accounts for yrs XXXX, I believe yr XXXX is also WRONG.

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 2023-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hello! How are you? I am disputing the late payments you have reported to the three credit bureaus.My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: NY

Complaint narrative:
I reached out to creditors to remove a hard inquiry XXXX that was put on my report without my knowledge, also reach out to the Equifax and XXXX XXXX on this matter. I sent several certified mail to bureaus, and calling them and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had three late payments on two separate accounts with one company that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have been making my payments on time for the last two years for my accounts with XXXX XXXX. I asked for a Covid Relief one month when it was offered in XX/XX/2021, due to not working during that time. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided. I demand these late payments be updated to on-time to reflect the consistent on-time payments I have made. As, I have been diligent in maintaining a positive payment history and as I stated above. I have not made a late payment in two years going on three. Please investigate. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had three late payments on two separate accounts with one company that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have been making my payments on time for the last two years for my accounts with XXXX XXXX. I asked for a Covid Relief one month when it was offered in XX/XX/2021, due to not working during that time. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided. I demand these late payments be updated to on-time to reflect the consistent on-time payments I have made. As, I have been diligent in maintaining a positive payment history and as I stated above. I have not made a late payment in two years going on three. Please investigate. 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 2023-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$230000.00} ) has never been my mortgage servicer. I have never had a contract of any kind with this servicing company. They are unable to send me anything bearing either an electronic or wet ink signature. They do not bill me nor do they send written or electronic correspondence. However they just continue to report adversely onto to my credit by way of TransUnion and XXXX from what I am able to see, and this TransUnion reporting has just been placed there since approximately XXXX. 

Then there is XXXX XXXXXXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$220000.00} ) ; same scenario as aforementioned. As the consumer, I have never received any form of correspondence of any kind from this company, nor have I ever established a relationship with this company. They are unable to send me anything bearing either an electronic or wet ink signature as well. Currently, they are reporting adversely onto all bureaus.

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 2023-03-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$230000.00} ) has never been my mortgage servicer. I have never had a contract of any kind with this servicing company. They are unable to send me anything bearing either an electronic or wet ink signature. They do not bill me nor do they send written or electronic correspondence. However they just continue to report adversely onto to my credit by way of XXXX and Equifax from what I am able to see, and this XXXX reporting has just been placed there since approximately XXXX. 

Then there is XXXX XXXXXXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$220000.00} ) ; same scenario as aforementioned. As the consumer, I have never received any form of correspondence of any kind from this company, nor have I ever established a relationship with this company. They are unable to send me anything bearing either an electronic or wet ink signature as well. Currently, they are reporting adversely onto all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$230000.00} ) has never been my mortgage servicer. I have never had a contract of any kind with this servicing company. They are unable to send me anything bearing either an electronic or wet ink signature. They do not bill me nor do they send written or electronic correspondence. However they just continue to report adversely onto to my credit by way of XXXX and XXXX from what I am able to see, and this XXXX reporting has just been placed there since approximately XXXX. 

Then there is XXXX XXXXXXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$220000.00} ) ; same scenario as aforementioned. As the consumer, I have never received any form of correspondence of any kind from this company, nor have I ever established a relationship with this company. They are unable to send me anything bearing either an electronic or wet ink signature as well. Currently, they are reporting adversely onto all bureaus.

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 2023-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute with XXXX, XXXX and XXXX regarding reported late payments on my accounts, requesting that they be removed due to clear violation of the law under 15 USC 1681b permissible purpose of consumer reports, and my dispute was denied. This law clearly states : IN GENERAL Subject to some section ( c ) Any consumer reporting agency made furnish the consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of consumer to whom it relates. 

Furthermore, but their credit reporting act 15 USC 6081 ( 2 ) ( a ) ( I ) Versions from consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ) the term consumer report does not include : Subject to section 1681S-3 of the title, any ( I ) Report containing information solely as to transactions or experiences between the consumer in person making report ; As a result of this being a clear violation of the law, I want all reported late payments for the following accounts deleted from XXXX, XXXX, and XXXX : XXXX XXXX  Acct # XXXX Capital One acct # XXXX XXXX XXXX XXXX Capital One acct # XXXX XXXX XXXX XXXX Capital One acct # XXXX XXXX XXXX XXXX I thank you for your consideration in correcting these illegally reported late payments. XXXX XXXX Social security # XXXX DOB XX/XX/1981

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: NJ

Complaint narrative:
I have been requesting validation of the debt with proof of my name as a legal signature bearing my name since XX/XX/2022. I will enclose a picture of the US postal service offices certified mail receipt dated XX/XX/2022. I have requested to have these records corrected with the 3 credit reporting agencies with no success. I have tried to send all the letters I can politely requesting validation and I have yet to get proof and this company is reporting inconsistent information across the 3 credit reporting agencies. Enclosed I have a picture that is past the 30 days given with no investigation whatsoever into this 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 non-monetary relief
Consumer complaint received 2023-03-12 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: NJ

Complaint narrative:
I have been requesting validation of the debt with proof of my name as a legal signature bearing my name since XX/XX/2022. I will enclose a picture of the US postal service offices certified mail receipt dated XX/XX/2022. I have requested to have these records corrected with the 3 credit reporting agencies with no success. I have tried to send all the letters I can politely requesting validation and I have yet to get proof and this company is reporting inconsistent information across the 3 credit reporting agencies. Enclosed I have a picture that is past the 30 days given with no investigation whatsoever into this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: NJ

Complaint narrative:
I have been requesting validation of the debt with proof of my name as a legal signature bearing my name since XX/XX/2022. I will enclose a picture of the US postal service offices certified mail receipt dated XX/XX/2022. I have requested to have these records corrected with the 3 credit reporting agencies with no success. I have tried to send all the letters I can politely requesting validation and I have yet to get proof and this company is reporting inconsistent information across the 3 credit reporting agencies. Enclosed I have a picture that is past the 30 days given with no investigation whatsoever into this 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 2023-03-12 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: OH

Complaint narrative:
In XXXX of 2022 I pulled my Equifax credit report from Equifax and said no score and looked at my credit report and it had no accounts and another social security number on it and address and my old address. I disputed the information and sent my DL, social security number, w2s, birth certificate, tax returns, utility bills and more to prove my social and address. The dispute came back asking me for proof of DL and SSN which o already sent. I disputed again with sending all the same info and still came back again asking for proof. I just sent in again by uploading to their system of disputes and mailing the information but they will not update it. I would love to use another social security number and clear my credit but at this point it is showing Im XXXX years old with no credit. I would rather have my bad credit back then to not be able to confirmed my identity anywhere. Even going into places and showing proof of my identity because they cant verify with the credit reporting agencies I cant get anything. I need this resolved ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: CL Holdings LLC
State: FL

Complaint narrative:
In accordance to Fair Credit Report Act XXXX Account # XXXX, has violated my rights. 

15 Usc 1681 Section 602 States I Have the rights to Privacy 15 Usc 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 Usc 1666B : A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Signed up for Bilt Rewards Credit Card from Wells Fargo. The card is advertised in a way that allows you to pay your rent using the credit card so you can earn rewards points. I set the card for autopay say that I had sufficient funds in my bank account and say the payment went through. I had been paying rent through the Bilt app for the past year. On the XXXX of XXXX I received an email saying that the payment did not go through. I was then charged a {$50.00} fee, then the next day an {$100.00} rent late fee. I have been paying rent with no issues for the past 3 years and never had an issue. When I switched over to the card I all of a sudden began accumulating fees. When I spoke to customer service it took them 4 days to get a call back. They wouldnt not abate the fees and when I asked to speak to a supervisor or cancel the card my call was dropped. I had enough money in the account when the payment went through, they tell me there wasnt. The payment was for {$2600.00} autopay shouldve gone through on XX/XX/XXXX. I was emailed notice that the payment didnt go through the XXXX of XXXX. Late fee was charged on the XXXX. I had until the XXXX to pay rent on top of everything they didnt warn me that the rent payment didnt go through until the 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