vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
When I refinanced my new construction home, the XXXX tax assessments had not been released and my lender used estimated values. These values were over estimated so that the payment at closing paid both the XX/XX/XXXX and XX/XX/XXXX installments. In addition, to paying the tax year in full, there was an overpayment returned to the settlement agent. 

I have submitted documentation ( attached ) from the county tax assessor and treasurer several times to my mortgage servicer and have asked that they update their escrow lines and perform an escrow analysis ( XXXX e-mail requests and XXXX phone calls ). The escrow lines were updated incorrectly and subsequently returned to the original set up from closing. Based on current assessments and tax rates, the escrow was over-collected at closing and continue to be over-collected on a monthly basis ( in an amount of approximately {$150.00} per month ). 

When I called today to check on my most recent request, the representative advised that they confirmed with the county that the installment in XX/XX/XXXX had not been paid ( though I have provided documentation otherwise ) and that they have completed an escrow analysis that shows the account is in balance. 

Based on the current tax assessment and rates ( XXXX assessment {$36000.00} / Primary Tax Rate ( Per {$100.00} ) {$9.00} / Secondary Tax Rate ( Per {$100.00} ) {$6.00} ), the estimated XXXX tax is {$5900.00} ( {$360.00} * {$9.00} = {$3500.00} ) + ( {$360.00} * XXXX = {$2300.00} ). 

On a monthly basis, the amount being collected for taxes should be {$490.00} vs. the {$640.00} being collected today. The next installment due dates are XX/XX/XXXX and XX/XX/XXXX. 

I realize that because the county does not set the tax rates until XXXX of next year, there may be a shortage due to any increase in rate, as would typically be expected each year.

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 2021-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
This company has failed to provide any information in regards to the method of validation as requested during the dispute process to include original contracts, proof they are authorized to collect, an itemized breakdown of payment history, how interest is accrued and where I agreed to such charges, how much they paid for the account, etc. Instead they are using predatory collecting practices to collect this invalidated debt by reporting to the credit agencies on a bi-weekly basis ( severely damaging my credit ), checking my credit report on a monthly basis ( unauthorized by me ), reporting the collection as an open account, and charging an astronomical amount of interest to the unverified account to the tune of almost $ XXXX in the last year alone. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt they claim is owned and that request has gone ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXX  XX/XX/2021

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 2021-12-07 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: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
THE FOLLOWING INQUIRES ARE FRAUDULENT. I DID APPLY NOR AUTHORIZE ANYONE TO APPLY ON MY BEHALF. PLEASE DELETE IMEEDIATELY AS THESE INQUIRIES ARE IMPACTING MY XXXX XXXX. ALSO, THE FRAUSTER IS USING THE EMPLOYMENT " XXXX XXXX XXXX XXXX ''. I HAVE NEVER BEEN EMPLOYED BY THIS COMPANY. 

XXXX. ALLY FINANCIAL ON XX/XX/2021 XXXX. XXXX HILLS XXXX ON XX/XX/2021 XXXX. XXXX XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 ' XXXX. XXXX XXXX XXXX ON XX/XX/2021

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 2021-12-07 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Sent previous complaint via CFPB ( case XXXX ). Received reply from Citi declining fulfillment of bonus offer. 

Citi 's position is that I did not add offer to my account prior to using the card to pay the merchant. Their words, " our records reflect the offer was not enrolled or added to your account in XX/XX/2021. '' See the attached screenshots : " solicited offer terms and conditions.png '' shows terms and conditions for Double cash card ending in XXXX, valid for the period in question. 

" solicited offer terms and conditions file description '' shows screenshot taken on XXXX XX/XX/2021. Offer was added to my card on XXXX XXXX, long before I spent money at merchant on XXXX XXXX. 

" solicited offers XXXX '' shows offer valid in their portal at end of XXXX. Showing that I did in fact have the offer throughout the majority of the month. 

I am not alone in having trouble with Citi meeting their end of the merchant offers. XXXX website is rife with cardholders having issues with 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 monetary relief
Consumer complaint received 2021-12-07 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: NY

Complaint narrative:
I have filed a dispute in regards XXXX  the incorrect items on my credit report. It has been over 60 days XXXX  I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: TN

Complaint narrative:
On XX/XX/2021 XXXX at XXXX XXXX   XXXX XXXX received a text message stating that {$250.00} had been transferred from my savings account into my checking account. Then at XXXX XXXX  I received another text message that {$250.00} have been transferred sir bird from my checking account in to  discount into an account owned by XXXX XXXX. Upon waking up at XXXX XXXX contacted netspends 800 number to inform them that I did not make this transaction, Their office was closed and  the voice message informed me that they did not open until XXXX XXXX. I called the XXXX inform them that the transaction that had taken place I did not authorize nor conduct and I received a text message at XXXX XXXX  while holding for the net span customer service to report the transaction as fraudulent. The text message I received at XXXX XXXX  stated stated do not use your card card as there may be a problem with your debit card please contact customer service. I explained to the customer service person that I did not conduct the transactions after which that representative tried to transfer the funds back into my account from that account of XXXX XXXX. The representative told me that the funds were no longer available in they're available in that account.. I opened a dispute transaction with the representative and was told that it would take up to 10 days to complete the dispute and possibly get the money back into my account. The representative told me that the funds were no longer available in they're available in that account.. I opened a dispute transaction with the representative and was told that it would take up to 10 days to complete the dispute and possibly get the money back into my account. As of today XX/XX/2021 the funds have not yet been added back to my account and I have now been told by net span customer service that the funds will not go back into my account because they did not find an error and an error. I have escalated the transactions and the rejection of my dispute with netspend to their higher investigators respond. I have been told that that can take up to 10 days and I am awaiting my funds to be released back into my account for the amount of {$250.00} that was stolen from me in the wee hours of the morning and that netspend is saying they have no error showing that the funds were not conducted by me even though they sent me a text message stating that there have been some odd activity with my card do not use my card until. I have told them I need my money back now!

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 2021-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
UAS connect loan service took a payment out of my account on XX/XX/XXXX in the amount of {$1100.00}. As soon as I realized, I called them on XX/XX/XXXX to see what was going on. They wouldnt immediately tell me over the phone why they took that amount from my account, and they kept telling me that they would send me an email in a few days explaining what happened. I had to get seriously upset for them to look into the issue and tell me what was going on with my account. I also got notice long ago that this loan was going to be transferred and included with my other student loans with the Department of Education, and I did notice an increase to my balance with the Department of Education, which is one of the reasons why I was so confused. 

The phone resulted in the man telling me that UAS took one of their last automatic payments of $ XXXX in XXXX. Then for no known reason the payments stopped. And I thought it was because the loan transferred over to be combined with the department of education. The next payment they took out was {$40.00} in XXXX of XXXX. Finally in XXXX they took out {$1100.00}. I was told that the {$1100.00} was taken out because it was the amount due on the account which is what the automatic payments are set up to do. I was also told that my XXXX loan with XXXX is a private loan and that they werent under the same federal rules of loans being paused because of the corona virus. I was also told that yes, this loan is supposed to be transferred over with my Department of Education Loans, but the transfer is still pending. My question is, if that is the case, why did they stop taking the automatic payments out in the first place? 

I never received a single email or notice that I had anything past due on this account. I also never received notice that they would be taking that much money out of my account at once. I have filed for reimbursement over the phone with them but havent received promise that they will pay me my money back. I also called my bank and asked them to stop the payment on the account. I imagine if this happened to me that it is happening to other people, and it is extremely unfair. I dont know how I am going to pay my rent if I dont get that money back. Its also almost XXXX, and now how am I going to afford gifts for my family? I would really appreciate any help I can get with dealing with such unfair treatment. It truly feels like they robbed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TN

Complaint narrative:
I am submitting due to non-compliance with XXXX, Equifax, XXXX. They have failed to remove fraudulent information that is still reporting on my consumer reports. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TN

Complaint narrative:
I am submitting due to non-compliance with XXXX, XXXX, Experian. They have failed to remove fraudulent information that is still reporting on my consumer reports. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-12-07 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: NY

Complaint narrative:
I have filed a dispute in regards XXXX  the incorrect items on my credit report. It has been over 60 days XXXX  I haven't received any investigation results.

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 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
XXXX has sold an alleged debt in my name to Credit Corp Solutions in attempt XXXX  collect a debt they have already charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
THE FOLLOWING INQUIRES ARE FRAUDULENT. I DID APPLY NOR AUTHORIZE ANYONE XXXX  APPLY ON MY BEHALF. PLEASE DELETE IMEEDIATELY AS THESE INQUIRIES ARE IMPACTING MY XXXX XXXX. ALSO, THE FRAUSTER IS USING THE EMPLOYMENT " MAD XXXX XXXX XXXX ''. I HAVE NEVER BEEN EMPLOYED BY THIS COMPANY. 

XXXX. XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX  XXXX ON XX/XX/2021 XXXX. JPMCB XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 ' XXXX. XXXX XXXX XXXX ON XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 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: Westlake Services, LLC
State: MT

Complaint narrative:
THE FOLLOWING INQUIRES ARE FRAUDULENT. I DID APPLY NOR AUTHORIZE ANYONE XXXX  APPLY ON MY BEHALF. PLEASE DELETE IMEEDIATELY AS THESE INQUIRIES ARE IMPACTING MY XXXX XXXX. ALSO, THE FRAUSTER IS USING THE EMPLOYMENT " MAD XXXX XXXX XXXX ''. I HAVE NEVER BEEN EMPLOYED BY THIS COMPANY. 

XXXX. XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX  XXXX ON XX/XX/2021 XXXX. XXXX XXXX XXXX ON XX/XX/2021 XXXX. XXXXWESTLAKE XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX  XXXX. XXXX XXXX XXXX ON XX/XX/2021

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 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1. ) XXXX, XXXX and Transunion refuse to remove fraudulent accounts from my credit profile in which is a result of identity theft. 2. ) Their claims are without facts and they make statements such as the creditor certified the information. 3. ) Upon my request to to review the certification documents that the creditor certified all credit reporting agencies denied my access to review the file. 4. ) a creditor must not certify its claims ; it must verify its claims and alleged debts in which XXXX has not verified its alleged debt, there is no original contract between I and XXXX and I have never lived at XXXX XXXX XXXX XXXX XXXX ; XXXX Florida XXXX. XXXX. ) therefore no debt can be verified and must be removed and I am no longer to be harassed by XXXX over debt that is the result of identity theft.

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 2021-12-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hyundai adjusted wear and tear amount to lower value, which we paid and resolved. It was then reported as a late payment and lowered our credit score. Hyundai is refusing to fix 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 explanation
Consumer complaint received 2021-12-07 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: WI

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e '' .THE LARGE DEBT CAN NOT BE VERIFIED XXXX  I HAVE YET XXXX  RECIEVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2021-12-07 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: WI

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e '' .THE LARGE DEBT CAN NOT BE VERIFIED XXXX  I HAVE YET TO RECIEVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation