vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
ON XX/XX/2022 I SENT A DISPUTE LETTER TO XXXX IN REFERENCE TO A MEDICAL BILL THAT WAS SENT TO COLLECTIONS AND REPORTED ON MY CREDIT REPORT. THIS DEBT IS NOT MINE AND REPORTING INACCURATELY TO CREDIT REPORT. XXXX AND EXPERIAN RESPONDED TO MY DISPUTE ON XX/XX/2022 STATING THAT THE ACCOUNT WAS VERIFIED AND 100 PERCENT ACCURATE. BUT HOW CAN THIS BE IF THE TWO CREDIT AGENCIES ARE REPORTING TWO DIFFERENT ACCOUNT NUMBERS AND TWO DIFFERENT COLLECTION AGENCY NAMES? I'VE ALSO SENT LETTERS FOR BOTH OF THEM TO SEND ME THE VERIFICATION OF METHOD FOR VERIFYING THIS ACCOUNT AND THEY HAVE YET TO RESPOND. THIS IS A DIRECT VIOLATION OF MY RIGHTS UNDER THE FCRA AND THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATLEY. 

THE FOLLOWING ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY : XXXX : ( XXXX ) * DOES NOT SHOW ORIGINAL LENDER ON CREDIT REPORT* COLLECTION AGENCY NAME : XXXX ACCOUNT # XXXX XXXX : ( EXPERIAN ) ORIGINAL LENDER : XXXX XXXX COLLECTION AGENCY NAME : XXXX XXXX XXXX I ACCOUNT # XXXX ABOVE IS HOW THE ACCOUNT SHOW ON MY CREDIT REPORT AND I WILL ALSO ATTACH PICTURES. BOTH SHOW TWO DIFFERENT ACCOUNT NUMBERS AND XXXX DOES NOT HAVE THE ORIGINAL LENDER REPORTED. SO HOW COULD AN INVESTIGATION BE COMPLETED AND EVERYTHING VERIFIED AS ACCURATE IF MY CREDIT REPORT CLEARLY HAS INACCURACIES REGARDING THIS ACCOUNT? 

THESE ERRORS NEGATIVELY AFFECT MY GOOD CHARACTER AND REPUTATION AND THE ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT 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 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Someone opened a checking account at citizens bank in my name today XX/XX/22. I called and talked to their fraud department and they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Details : I had a CAPITAL ONE SAKS FIFTH CREDIT CARD Circumstance : Due to XXXX, I was sick and had complications arising from this ( XXXX  ) I had 4 late payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There was a global pandemic, My mail was effected pandemic which caused my mail not to reach within the allotted 21 day window creditors are given to send out invoices to its consumers. I have had this account since XXXX. I am current. First Attempt : I tried stating that due to this and The CARES Act protections for consumers with late fees to remove them as this is hurting my credit more than anything. Additionally, according to " Legal Exemptions : 15 USC 1681a - 2 ( a ) ( i ) ( 2 ) Exclusions. " Except as provided in paragraph ( XXXX ), the term consumer report does not include - report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Since a late fee is an experience, it is not even legal according to Congress. I do not owe Capital One any money, so for multiple reasons this should be removed. However I don't think they got the message as it was done online. Second Attempt : In XXXX I spoke with Capital One via phone and they said they would remove them, but their system wouldn't allow it. They assured me I would be enrolled in a covid program they had in place. These late payments are hurting me so bad I can't get another credit card, car or house. Why was I exempt from the programs that are/ were in place due to the pandemic. The unfairness and disrespect is unacceptable and I would like a favorable resolution to my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C SECTION 1681 SECTION 604 A SECTION 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions ( consent ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an account with XXXX XXXXXXXX XXXX and I have been unhappy with them as I have been hacked 3 times in the last six months. I received a check from my 401K distribution fund for {$2000.00} and I have never used a mobile app in my life but someone told me I could check to see how long it would take to clear and when I scanned it through my XXXX XXXX  XXXX XXXXXXXX XXXX  the notification said 10 days and I could not wait that long. My daughter lives here in Florida and uses Truist ( Suntrust ) and told me to go there so I did and they deposited and released {$100.00} to me because I was flat broke. I only learned about 5 days later that the check that I scanned with the XXXX XXXX was an actual deposit. I went straight down to Truist and profusely apologized for my terrible error. The branch manager seemed to have been very angry and vindictive about what happened and put a six month block/hold on the check. I have provided proof that XXXX XXXXXXXX XXXX did not cash the check and have spoken to their fraud department and also provided the same proof. XXXX XXXX XXXX my 401K holder has given the reference # for the check clearance to Truist it cleared on the XXXX of XXXX. The branch manager at Truist located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX his name is XXXX refuses to release the hold and I do not know his last name but they are refusing to call me back or work with me at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed.

According to to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
On the XXXX of XXXX, my wife and I decided to purchase our lease from GM Financial. We went through our bank to make the purchase. A check was mailed to GM Financial with paperwork requesting for the title and XXXX XXXX XXXX  to be assigned to our bank. However that is not the way things went. Unfortunately things did not go as planned on the part of GM Financial. The mailed everything to the wrong address, not to the bank nor to us! 
We have leased 3 vehicle going through this establishment, and I'm not sure a 4th will happen after this! We were given 60 days until our 1st payment would be due, which is now coming up fast. 
I have requested for some type of compensation considering the improper handling of everything, and I was told they will do NOTHING. They have now requested for a duplicated title, to which they informed me will take about 45 days. Then they can over night it to us, but hey should be sending everything to the bank that requested for the original paperwork. 
When we were not able to find another vehicle for less then XXXX over MSRP, so we thought to extend the lease. They did not give us any credit towards the residual for any of the 3 payments we made totaling ( {$1000.00} ). When I asked why we are not receiving any credit towards the vehicle, they said that was not the way it works!? 
I have the paperwork that was sent to GM Financial which does not request anything to be sent to us only to the bank. It is because of this, we are very confused why it would be sent anywhere else. We were at the understanding that we were dealing with a business that does these kind of things daily ... .what could go wrong, right. 
Now we will be responsible to make a payment on a vehicle we can not use, which is not fair business. It seems like the only thing they did right with in this transaction was cashing the check that was mailed to them. Now that they have there money and much more, they do NOT care to except blame or do anything to make things better. 
I requested for the information to reach the CEO of GM Financial to which they refused to give to me directly when asked! I was told that I could look it up for myself using XXXX, or that I could try to find it on their website. I feel like this could have been handled much better especially with a customer that has done multiple leases, maybe the money means more to them then the customers. They have been paid in full plus more, we should either have our necessary paperwork or think about covering the cost of a rental until everything is corrected, after all they made the mistake that caused all the issue we are dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I was approved for HAF funds to help with past due back in XXXX and HAF confirmed funds sent to the Lender and lender keep saying they don't have it and my acct is getting further and further behind. Funds was confirmed to be cleared, cashed and received by mortgage company from HAF and my acct still reflect nothing. I have been calling every 3 days or every week and no help since XX/XX/XXXX. I started keeping track of people that I spoke with and was told give them 72hrs, week, 2 days, putting in a ticket, sending over to HAF ... .excuse after excuse and no help to updating my acct. Please help! XXXX my name is XXXX XXXX and address is 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 explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I'm a military XXXX who has been assigned overseas with my dependent. I've arrived in XXXX XXXX and need funds for our livelihood. I've been trying to move funds out of my citi account for this exact purpose but they have been impossible to work with. ACH Transfer limit is set at XXXX per month and if I were to transfer a larger amount, the representatives keep stating the only option is Wire transfer with an unavoidable fee. When I try to make the wire transfer, the website states my access has been blocked and to call customer service. When I call the customer service, I spent an hour with the wire transfer technical support who could not help me. After I was referred to the fraud department, I waited another half hour to hear that there's nothing they can do and I need to talk to customer service again to discuss my options on other types of transfer. In all these activities, I kept being restricted and blocked and ended up spending more than XXXX XXXX. My wife 's account has the same issue and the bank has restricted her wire transfer to herself. I just want my money so that I can use it to get an apartment and a car in this new country and citi has been anything but helpful in this process. I really want to move my money asap and close my accounts in Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied for auto financing and I was told by the dealership that only 1 inquiry would be done. However, I see multiple inquiries. 

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 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist incorrectly calculated the amount needed for escrow before closing. When the issue was raised they were estimating property taxes to be greater than 50 % of what should be expected -- they told us we had to wait until the tax bill came due a full year later. 

A year later, Truist finally processed 2/3rds of the escrow refund owed ( more on this later ). The check never arrived. Since XX/XX/XXXX we have been trying to get the check reprocessed. In that time, we have been told it has been expedited. We were also told one week that it was processed and sent via XXXX 2 day. None of this is true. 

As of today, XX/XX/XXXX, the issue is still 'in the hands of Research. ' Every attempt to escalate is answered with, 'we have escalated this. Check back in 24-48 hours. ' While this was going on, Truist still was wildly over-estimated taxes and was increasing our mortgage payment starting in XXXX. Even though XXXX XXXX had the correct information for XXXX available. After intervening and requesting an update to XXXX by providing the tax bill, Truist processed yet another refund. Not XXXX 2 Day, but XXXX, yet again. We are still waiting to see if this check shows up. 

Long story short, Truist has erroneously withheld amounts totaling, over a year to, {$10000.00} from us. The representatives we work with provide incorrect or conflicting information. 

We have been trying to resolve this issue since XX/XX/XXXX to no avail. What's even more frustrating, we knew the overage would be insane XX/XX/XXXX -- and Truist did nothing to prevent this from happening ahead of closing. We were told to wait for a refund. 

If I owed Truist XXXX XXXX, lump sum ... how do you think they'd enforce collection? Surely wouldn't accept 'wait 24-48 hours and check back '

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Attached are the following : TSI Debt collection notices, showing the original debt owed and the new debt TSI is attempting to collect. My XXXX mobile bill showing proof I called attempting to negotiate the original debt owed ; and proof of a Credit Card payment made towards the debt. 

The debt they are attempting to collect is in excessive fees of {$25000.00} that I did not agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Accordance with the Fair Credit Reporting Act Convergent Account : 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 instructions.

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I contacted the customer service on the phone and branch to close my business checking account with Huntington as I move to different part of the state. I did that on XX/XX/2022. I was told the only way is to come into the branch. I am unable to travel for XXXXXXXX XXXX  just to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: August Real Estate Investments, LLC
State: TX

Complaint narrative:
Failure to credit a payment to a borrower 's mortgage loan account as of the date of receipt in violation of 12 CFR 1026.36 ( c ) ( 1 ). 

Your company did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$2200.00} This payment should have been credited to : - XX/XX/XXXX payment to principal, interest, escrow, or other charges. in addition, {$170.00} of that amount was to be applied as the additional principal amount. 
Your company failed to credit the payment I made on XX/XX/XXXX as of the date of receipt. This error resulted in an additional over {$43.00} per day in interest that would not have applied to my account. 
Your company did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$2000.00} This payment should have been credited to : XX/XX/XXXX payment to principal, interest, escrow, or other charges. 

Escrow Errors : Failure to refund an escrow account balance as required by 1024.34 ( b ). 

I believe that I am entitled to a refund of excess funds in my escrow account and I have not received them. The insurance has been paid for the year and the total tax liability is less due to the homeowner 's exemption. 

My taxes are $ {$6000.00} without any exemptions as an estimate from county. 
my insurance is {$2300.00} which covers until XX/XX/2023. This is about eight months away. Currently, they are holding over {$5600.00} in my escrow account and continue to deduct {$440.00} per month for the next eight months. 
Please note the following : {$440.00} ( current escrow payment monthly ) x 8 ( months left until homeowners insurance is due ) = {$3500.00} additional by bill due date {$5600.00} ( current balance in an escrow account ) -- -- -- -- -- {$9200.00} in escrow total by the due date... 

Escrow payments due ( taxes and insurance ) {$6000.00} taxes rough estimate from county ( not including my homeowners exemption ) {$8400.00} for property insurance -- -- -- -- -- -- -- - {$8400.00} total bills due This is an overage of $ XXXX {$1100.00} once I include the homeowners exemption. 

Fee Errors : Imposition of a fee or charge that the servicer lacks a reasonable basis to impose upon the borrower. 

Your company incorrectly imposed a late fee on XX/XX/XXXX in the amount of {$75.00}. My XXXX payment was not late, it was sitting in your reserve account from my payment on XX/XX/XXXX that was not applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: Kikoff Inc.
State: MI

Complaint narrative:
I had been making payments for over a year using the same bank account. I logged in one day to find my bank account had been taken off right before a payment was due and I could not make the payment. I was in the hospital with XXXX XXXX issues with this to add to my XXXX I could not readd the bank account to pay. Emails went unanswered. is 2022 and my emails still haven't Here it is now 2022 and my emails still hasn't been answered. I now have a late payment on my account and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Intercoastal Mortgage LLC
State: WV

Complaint narrative:
I filled a complaint earlier where the lender does not want to take any responsibility or try to help and resolve the issue. If anything they have been the opposite. what is my next step?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
XXXX XXXX XXXX reported debt I did not owe to Hunter Warfield for collection. I have written letters to XXXX XXXX and contacted Hunter Warfield via telephone to try to resolve debt. Unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
on XXXX Guaranteed Rate , Inc gave me a Final closing discloser with errors in the K calculations and left off information on the Addendum to Closing Disclosure. Debts did not get paid because there was not enough cash to close collected. Cash to Close from borrower was listed as {$37000.00} leaving out {$13000.00}. This was not discovered until after closing. When calling to inquire why debts didn't get paid the three business days after. I was advised to give it more time that the title company needs more time to process those payments. When calling XXXX XXXX, XXXX they advised they were not going to pay those debts because Guaranteed Rate did not provide them with that information. Guaranteed Rate says they made an error on the documents but are not willing to resolve it.

Company response to consumer: Closed with explanation