vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI

Complaint narrative:
We noticed in XX/XX/XXXX, that our XXXX account got charged the wrong amount. We contacted our Mortgage Company, Lakeview Loan Servicing/XXXX XXXX XXXX XXXX right away via their website and they never responded. We ended up calling on XXXX, XXXX XXXX, via customer phone service and the customer service representative we spoke to promised us that this mistake will get fixed ASAP, but nothing got done. 


We did go to the City to make sure both our lot and house taxes got paid on time with the correct amount. They confirmed that they got the right amount for each lot. A one time payment of {$97.00} for the lot XXXX. And 4 times {$710.00} on the lot XXXX. 

Lakeview Loan ServicingXXXX XXXX XXXX took out of our escrow, XXXX payments of {$97.00} for the lot XXXX. In which the city only got a XXXX time payment of {$97.00}. Lakeview Loan ServicingXXXX XXXX XXXX also took one extra payment of {$710.00} on the same lot XXXX. Lakeview Loan ServicingXXXX XXXX XXXX took out of our escrow, totalling {$910.00} which is unaccounted for. 

On XXXX, XXXX XXXX, we reveiced our yearly Escrow Analysis and we noticed the previous mistake was never fixed and of course our Escrow ended up being short because of it. We called Lakeview Loan ServicingXXXX XXXX XXXX again on XXXX, XXXX XXXX and the customer service agent was rude and not cooperating with us. After this incident we decided on XXXX, XXXX XXXX to send them a registered letter, Notice of Error, stating to the company what needs to be fixed and and as of today, XX/XX/XXXX, we reveiced no communication nor cooperation from Lakeview Loan ServicingXXXXXXXX XXXX XXXX and our mortage increased and nothing got resolved. We gave them the required amount of time, the 30 days, to respond back to us by law. 

We ask that you look into this matter so this escrow issue can be fixed ASAP. Also so we can find out where our {$910.00} went.

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 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Email sent from Citizens Bank stating my application for opening a Citizens Quest Checking was denied. I did not apply for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: Birchwood Credit Services, Inc.
State: GA

Complaint narrative:
I am filling this complaint to BIRCHWOOD for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These companies have incorrect information reporting on multiple of my accounts. There is also incomplete information on my consumer reports. These errors are effecting my finances due to my credit score lowering.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These companies have incorrect information reporting on multiple of my accounts. There is also incomplete information on my consumer reports. These errors are effecting my finances due to my credit score lowering.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I tried to open an account with XXXX XXXX XXXXXXXX and a couple of other banks but was having trouble doing so online and then was given this information by XXXX which shows this crooked company is behind all and negatively reporting my banking information in order to keep me from opening a checking account out of retaliation for my reporting banks in the past!! This needs to be illegal!! 90 percent of the people in this country are struggling financially this is just another way they are trying to oppress the poor!!! I lost my job in XXXX of this year and need a checking account set up for my direct deposit of XXXX!! The XXXX does not have my current bank XXXX on their list!! I want a copy of the report these crooks are using and want it deleted or I will be filing a class action against both them and XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-13 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: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX made error on my credit report statement saying that a loan was never paid and I still owe a outstanding balance for XXXX to all 3 credit bureaus saying that 0 % was paid but on their database it is paid in full sent information before due date to credit bureaus as unpaid when it is paid in full at the bank credit bureaus still says I have a outstanding balance of XXXX that 0 % was paid on this loan so every credit bureaus has dropped my score now it was a error at the bank as I set up auto pay to have all payments deducted but they never did instead they reported to credit bureaus as unpaid 0 % payments made but ther database it is paid in full as I have bank statements to prove it but credit bureaus all have it as outstanding balance that 0 % was paid on loan all three credit bureaus dropped my score I worked hard to get a good score now the bank has ruined it for me it was there error I was set up with auto pay with them but they never took payment instead they submitted false information to credit bureaus as not paid I dispute it but not getting any results just dropping my credit scores with all credit bureaus now as of there mistake I did nothing wrong it was the banks fault payment wasn't even due yet for one and I paid in full before due date plus I was set up for auto pay with them this should not have happened at all people work hard to get good credit now they destroyed my lively hood

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX  made error on my credit report statement saying that a loan was never paid and I still owe a outstanding balance for XXXX to all 3 credit bureaus saying that 0 % was paid but on their database it is paid in full sent information before due date to credit bureaus as unpaid when it is paid in full at the bank credit bureaus still says I have a outstanding balance of XXXX that 0 % was paid on this loan so every credit bureaus has dropped my score now it was a error at the bank as I set up auto pay to have all payments deducted but they never did instead they reported to credit bureaus as unpaid 0 % payments made but ther database it is paid in full as I have bank statements to prove it but credit bureaus all have it as outstanding balance that 0 % was paid on loan all three credit bureaus dropped my score I worked hard to get a good score now the bank has ruined it for me it was there error I was set up with auto pay with them but they never took payment instead they submitted false information to credit bureaus as not paid I dispute it but not getting any results just dropping my credit scores with all credit bureaus now as of there mistake I did nothing wrong it was the banks fault payment wasn't even due yet for one and I paid in full before due date plus I was set up for auto pay with them this should not have happened at all people work hard to get good credit now they destroyed my lively hood

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 2023-09-13 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: LA

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim. ''

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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Open with consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, today I am reporting some accounts that are affecting my credit history and some inquiries that I do not recognize and I would like them to be removed from my history please. 

Accounts XXXX XXXX Account Number : XXXX Balance : {$1600.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$93.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$1200.00} Inquiries that I do not recognize : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, today I am reporting some accounts that are affecting my credit history and some inquiries that I do not recognize and I would like them to be removed from my history please. 

Accounts : XXXX Account Number : XXXX Balance : {$1600.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$93.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$1200.00} Inquiries that I do not recognize : 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 2023-09-13 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: MI

Complaint narrative:
On or around XXXX XX/XX/2023 I filed a dispute online wih Experian regarding the payment history and payment status for an XXXX XXXX account/tradeline. I had filed at least one ( 1 ) CFPB complaint for the Experian has neither read disputes nor examined the documentation included with the disputes and complaints. Experian has never even read the basic dispute commentary. Instead Experian failed to re-investigate and concluded the dispute was a " fraud dispute, '' because the language in the language in at least one ( 1 ) of the CFPB compaint resolution sections used the word " block, '' as in " block the furnisher of information from inserting additional information under a new and/or duplicate account/tradeline. '' This language should not be unfamiliar. IN fact this is the exact language in 15 USC 1681s-2 b ( i ) ( E ) ( iii ) : " E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information '' ( see : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). There is no excuse for this level of incompetence, and no reason why this should have to be reinvestigated twenty ( 20 ) or more times when the enclosed documentation clearly shows the information supplied by XXXX to Experian is inaccuarte/incomplete/false/misleading XXXX XXXX The account/tradeline needs to be deleted.

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 2023-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I bank with XXXX XXXX XXXX in California, my account is linked to Zelle. I received some fraudulent charge text alerts on my phone and then immediatley received a call from a person claiming to be from my Credit Union. They listed some fraudelent charges to me and aske id I had authorized them, I said no to all. Then they asked if I approved a {$1000.00} Zelle payment to someone XXXX XXXX and I said " no '' I didn't authorized that. He then said he'd send me a text to verify this and instructed me to type " Yes '' to indicate that I wanted this transfer reveresed which I did. I then almost immediately realized that this was a scam but it was too late because the money went out of my account to someone named XXXX XXXX and the banks take no responsibility for fraudulent Zelle charges and Zelle 's policy is that they don't either. So now I am out of {$1000.00} of my hard earned money because there are no safeguards in the banking industry for this and no-one, the financial institutions or Zelle, takes any responsibiliy. It's as if someone walked up to me, and took my money right out of my pocket and nobody cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I deposited my settlement into Navy federal credit union on XX/XX/XXXX navy federal took {$6000.00} on XX/XX/XXXX for a credit card debt from my wife 's and I joint account. this was from before our wedding and has been sitting empty with low funds for years but they decided to take the money out to pay a Delinquent account that was in collection for a credit card debt. The internet states that they can not take it for a credit card debt Under the protection act. When I called yesterday, they were very nice and said that they should read. Turn the money back cause. It shows that I deposited it with my settlement check. And that it shouldn't have happened out of the joint account today, XX/XX/XXXX the lady I spoke with was not helpful at all very rude and told me that have ever write to take my money for her account. Even though it's a joint account, but they also had the wrong address for my wife. So we never received any paperwork for the debt in the first place. 
And it's under her maiden name we could have set up payment prior if we had know. About the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation

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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
1. I had a Bank of American credit card account with auto-pay set up on the account for over two years.

2. In XX/XX/2023, there was an amount due on my account at the end of the month. The auto-pay failed to make the required minimal payment. There was ample money in my checking account. I could find no record that Bank of America attempted to make the pre-scheduled auto-payment.

3. When I realized there was a payment due I went online and paid the full balance due along with late fees.

4. I called and asked " customer ser
vice '' how/why my auto-pay feature was disabled. The representative told me simply that she didn't know. She offered no explanation.

5. I requested a refund of late fees. My request was declined by Bank of America.

6. I requested that the adverse report to the credit monitoring agencies be rescinded and corrected. My request was declined by Bank of America.
7. My credit score was adversely affected by the erroneous reporting.

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 2023-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
New XXXX XXXX financed with XXXX XXXX XXXX, a 84 month loan issued in XX/XX/XXXX. 
Made payments of $ XXXX for almost 60 months. 
Had XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX for 12 months, could not return to work, with SS and Pensions ( 2 ) income could still make payments. 
Due to medical bills, I missed 3 payments. 
TD Auto Finance issued Seizure order and took car on XX/XX/XXXX. 
Wanted to bring loan current by paying the 3 months due in full, would not accept that, instead wanted the full balance of loan ( thru 84 months ) {$11000.00} paid to be able to redeem vehicle. 
TD Auto Finance refused to negotiate any offers made by me to bring loan current. 
TD Auto Loan account # XXXX Last six VIN # XXXX Note : In XX/XX/XXXX filed a XXXX XXXX bankruptcy, however, did not include TD Auto Finance in that filing, wanted to continue making payments directly to TD Auto Fianance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Capital One Auto Finance, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 

XXXX Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX Capital One XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. 

XXXX Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX Capital One XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from XXXX of the 1st Notice. 

XXXX Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX Capital One XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from XXXX of the 2nd Notice. 

XXXX Registered Mail XXXX # XXXX ( delivered on XX/XX/2023 )

Company response to consumer: Closed with explanation