vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank sent me a notice on XXXX XXXX, XXXX of a new escrow analysis. The bank says my escrow is short {$3900.00} based on a prorated 12 months. 

In addition, my escrow deposit was raised from {$190.00} to {$410.00}. 

The bank added {$320.00} for the shortage spread plus the increased escrow deposit fee to my XXXX statement, increasing my payments to {$1900.00} from XXXX. 

My county taxes increased to {$3300.00} in XXXX from {$730.00} in XXXX. This increased amount ( {$2500.00} ) is reflected in my new escrow deposit. 

Based on the above, my account should be short {$1900.00} due to increased tax payments from XXXX XXXX. I asked US Bank if I could make a {$1900.00} payment or pay my full tax bill for XXXX so could they remove the shortage of {$3900.00}. The bank rep said the shortage fee would be there unless I pay {$3900.00}. The rep 's explanation of the the shortage fee doesn't make any sense to me. I believe there are hidden extra fees in the {$3900.00} because the numbers and explanation provided by the representative do not make sense to me. 

I told the representative if she could present or explain why the fee is more than what I owe and she could not. I told her I would report this issue to the CFPB and she did not seem to care. 

I would like the shortage fee removed and the hidden fees revealed and explained. 

Here is my information : Loan Number : XXXX Name : XXXX XXXX ( formerly 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 2022-08-15 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: IL

Complaint narrative:
On XX/XX/2019 I contacted the company in regards to XXXX bankruptcy this is on my report and asked the method of verification and also for proof of verification. I received a letter stating the information was verified through a third party company called XXXX XXXX where they purchased my information. This alone is a violation of FCRA and USC laws. These laws state that i have the right to privacy meaning i did not give them authorization to report this information on my behalf. FCRA 623 ( a ) ( 5 ) states that if the credit bureau cant validate the information with the ORIGINAL CREDITOR they must remove the information from my credit report. Also be aware that NO COURT IN THE U.S.A. VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECEIVING THIS TO VALIDATE THIS OR REMOVE IT

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 2022-08-15 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:
On XX/XX/2019 I contacted the company in regards to XXXX bankruptcy this is on my report and asked the method of verification and also for proof of verification. I received a letter stating the information was verified through a third party company called XXXX XXXX where they purchased my information. This alone is a violation of FCRA and USC laws. These laws state that i have the right to privacy meaning i did not give them authorization to report this information on my behalf. FCRA 623 ( a ) ( 5 ) states that if the credit bureau cant validate the information with the ORIGINAL CREDITOR they must remove the information from my credit report. Also be aware that NO COURT IN THE U.S.A. VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECEIVING THIS TO VALIDATE THIS OR REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX has told me they are going to leave this bogus data they reported to the credit bureaus and hung up the phone thus damaging my credit, further, XXXX XXXX  is breaking the law by reporting false and malicious data on my credit report and have told me they work for the government and I have to pay this bogus collection or go to jail. I Would like an investigation so XXXX XXXX can be charged for false, malicious, and continue to, on going false reporting of the collection entry by save green storage on my credit report. Please open a criminal investigation and you will see the evidence on the attached documents. I will continue to dispute and ultimately see are going to sue XXXX XXXX a known company for deceptive practices and the evidence is amounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been trying to get my credit report properly investigated because their are accounts that have been open fraudulentlyXXXX 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 I have no knowledge of any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been trying to get my credit report properly investigated because their are accounts that have been open fraudulently. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have no knowledge of any of 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 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
XX/XX/2022 I again received a letter regarding a account which I have asked them to show me a signed credit application and they fail to do so. They request I pay {$2500.00}. I have no recollection of this account. At the bottom of this letter it states " The law limits how long you can be sue on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, we may continue to report it to the credit agencies as unpaid. 


I have requested three times they prove this is my debt. I get notice back asking or telling me they are not sure what I have asked for. I have clearly asked for a signed application of this debt. I did not take out this card. I have no idea about this card. I have asked them to stop since they fail to show me that proof.

However again today the letter has arrived. I want this gone. It is a old a debt. It is not even one they can seek money for as it is over the limitations. I have no proof it is mine and the fail to show. What do I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX, and TransUnion are violating the FCRA laws by providing false, misleading, and inaccurate information on my consumer credit report. No late payments are to be reported according to the Cares Act.This is How Creditors and Lenders Report to the Credit Bureaus under the CARES Act-Late and missed payments CAN NOT be reported. 
This is the only late payment ever reported.Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down but will not report late payments at this time. XXXX  website quotes " XXXX supports the CARES Act '', so why is it still on my credit report? TransUnion and XXXX and XXXX are in Violation under 15 US Code 1681e ( b ) and US code 1681i ( 5 ) not reporting 100 % accurate.

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 2022-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian, and XXXX are violating the FCRA laws by providing false, misleading, and inaccurate information on my consumer credit report. No late payments are to be reported according to the Cares Act.This is How Creditors and Lenders Report to the Credit Bureaus under the CARES Act-Late and missed payments CAN NOT be reported. 
This is the only late payment ever reported.Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down but will not report late payments at this time. Experian website quotes " Experian supports the CARES Act '', so why is it still on my credit report? XXXX and XXXX and Experian are in Violation under 15 US Code 1681e ( b ) and US code 1681i ( 5 ) not reporting 100 % accurate.

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 2022-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I have sent out letter numerous of time regarding the inaccurate and unfair information report on this account. UNDER the FCRA, credit reporting laws ensure that bureaus report only 100 % accurate credit information. Therefore, I demand this account be UPDATED/CORRECTED immediately before legal action is taken!

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 2022-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have written the credit bureaus several times about the inaccurate information that are reporting. Ive asked them to stop reporting the inaccurate information and they will not.

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 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This is the second time that I am filing a complaint against Bank of America. I have been a customer for over 20 years and again, as has been the common occurrence in recent months, I deposited a {$9000.00} check and only after it was deposited was I told that it would be held. The unfortunate thing is that I watched a man in front of me walk in and cash a {$12000.00} check and walk out with cash in a matter of minutes. I go to the teller right behind him and deposit my check and am told after it was deposited that I would have to wait to have access to ANY of the funds. What is different about the gentleman before me and me? I have been a customer for 20 years. I maintain over {$6000.00} a month in direct deposits. This is becoming a serious issue for me. I previously filed a complaint when I deposited a check and had to wait about 2 weeks for availability of the check. This is excessive and I feel arbitrary.

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 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: CA

Complaint narrative:
This debt shows Sentry is continuously reporting on my credit file that I owe this debt after I have disputed and the creditor has confirmed it was identity theft. The creditor stated that they have closed this account and I am not held responsible for charges.and that it will be deleted from my credit file. This dates back to XX/XX/2021 that I have been disputing.

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 2022-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
I had my car financed with Consumer Portfolio Services on XX/XX/XXXX. Due to financial hardships, I had to request extensions a few times so instead of my loan maturing XX/XX/XXXX it was extended to XX/XX/XXXX. Although my loan was extended 4 times, the maturity date was extended for 5 months instead of four. The problem arises because although I am considered up to date on payments with no late fees, my loan maturity date is still XX/XX/XXXX but XXXX states that I owe over {$5000.00} and my monthly payments are {$670.00}. 
I've called XXXX to try to understand why I would still owe that amount if I am up to date with no interest or late charges. They have not been able to explain why and have told me to just keep paying until it is paid off. I requested that they send me a copy of my contract two months ago but I have not received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Lowe 's has been mishandling my deferred interest payments every month since XX/XX/XXXX. Every time I call to have the payments allocated. I leave the call feeling that it is correct, but when I receive my statement it is not. I called and spoke with a supervisor named XXXX. We were supposed to go over the statements and address the misallocation of funds last XXXX  XX/XX/XXXX. She told me to call this number XXXX and stated that XXXX was her personal extension and we could review and correct. I called and I was told that XXXX would call me back within 2 to 3 hrs because she was in a meeting. Until this time, I have not received a return call from her regarding this matter.

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 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2022, I XXXX XXXX ( the consumer ) sent out a billing error notice to American Express ( 12 CFR 1026.13 ) pertaining to periodic statements I received from the financial institution. American Express has yet to disclose the Finance Charge. 12 CFR1026- Truth in Lending Act ( Regulation Z ) was put in place to protect people when they use consumer credit.

After receiving a response from American Express about the billing error notice American Express informed me that they would be investigating my dispute. American Express replied to the consumer using the online portal to inform me that he was not responsible for the balance of {$4000.00} while the investigation was being conducted. Upon the conclusion of the investigation, American Express sent the consumer a response informing him that everything was correct in accordance with the card member agreement. American Express stated, the interest charges and the late payment fees are correct in assesses to the account as per the terms and conditions of your card member agreement. 
American Express is calculating the consumer 's credit use within the periodic period and making me either pay the full amount of credit being used or a minimum amount for the credits used by the consumer and adding interest onto the balance without disclosing the APR or finance charge. 
American Express disputed what the consumer is stating and now claims that the consumer owes a new balance of {$6.00}, XXXX regarding the consumers account. 
American Express is attempting to collect a debt by deceiving the consumer of the character amount of any debt 15 U.S.C. 1692e. 
Respectfully Submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My complaints is with XXXX. In XX/XX/2022 my credit score was up to XXXX. As of today it XXXX. It's dropped tthat far. All credit cards and loans are paid off. They will not give me viable explanation as to why. See attached docs The one from XXXX XXXX was reported as paid off, yet they still show it open.

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 2022-08-15 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received a call back in XXXX about being past due on a personal American Express credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with AE and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with XXXX, XXXX and XXXX XXXX. XXXX and XXXX refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states American Express won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
American Express continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/2022 I received an email from the Supervisor at BSI Financial with regards to my inquiry on removing the PMI from my mortgage. This was after having at least 4 previous calls with reps who were unable to understand the specific scenario and specific request. I began reaching out to the Supervisor XXXX XXXX by email on XX/XX/XXXX and XX/XX/XXXX in order to clarify some questions I had with regard to what type of Appraisal report was needed to be submitted for a " Borrower Initiated Termination of Conventional Mortgage Insurance Based on the Current Value of the Property ''. After an additional 3 calls and unable to get answers from frontline reps or from XXXX XXXX, the Service Provider, BSI Financial is not responsibly servicing my request to remove PMI, and not providing the information needed to move forward with the removal of PMI. This has reached a level of obstruction that needs to be addressed.

Company response to consumer: Closed with explanation