vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN

Complaint narrative:
On XX/XX/XXXX we received a letter to our hour stating that if we did not pay our bill by a certain date we would have our debt collected. we Made a a payment to XXXX XXXX XXXX on XX/XX/XXXX the following day. We have proof that we made a payment for that day as well. a couple days ago we received a letter from Kinum Inc. saying that we didn't pay our debt when in fact we did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERNED I AM A SENIOR CITIZEN AND I GUESS UPON MOVING SOMEONE STOLE MY INFORMATION AND OPENED A CREDIT CARD ACCOUNT WITH XXXX IN MY NAME AND THE ACCOUNT was opened XX/XX/2019 and the amount is {$80000.00} and the account number is # XXXX i would like for the item to be removed thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: GA

Complaint narrative:
Closing on our home took place on XX/XX/XXXX. 

Guaranteed Rate was our mortgage company. Closing appeared to go smoothly. Escrow account was set up based on XXXX property tax amount because XXXX tax bills were not released as of our closing. The closing attorney 's office, XXXX XXXX XXXX XXXX, XXXX prepared the lender 's title commitment according to the full XXXX tax bill amount, XXXX. 
The loan processor, XXXX XXXX, did not use the information in the title commitment. She got XXXX pulled up the tax bill online -- not realizing that XXXX taxes were paid in TWO installments -- and only accounted for the FIRST tax bill amount of XXXX. 

In XXXX, XXXX we were notified that our monthly payment was increasing from {$1900.00} to {$2200.00} due to a shortage in our escrow account. This was unexpected because XXXX property was {$6000.00} -- only about {$150.00} more than XXXX. 
However, because of the loan processor 's careless mistake, our escrow account came up very short when the taxes were paid. 

After extensive investigation on my part, our new escrow calculation was influenced by 1 ) the loan processor 's mistake, 2 ) Guaranteed Rate 's requirement for more money in escrow for cushion, and 3 ) the XXXX tax amount being the estimate for XXXX 's property taxes. 

My family has made it work, but a $ 300 monthly payment increase has been a hardship that could have been avoided if we were able to budget according to correct calculations. Guaranteed Rate 's mistake was the only reason we've had trouble. 

I've contacted the main loan servicing phone number, sent documentation to the servicer 's email account for escrow problems, and requested help from the loan officer XXXX XXXX and his supervisor XXXX XXXX. I've explained the situation and they've offered no help. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: CO

Complaint narrative:
Grandfathered checking account opened when PNC acquired BBVA Compass Bank, where I ( and I'm sure many others ) had previously Free Checking accounts with no monthly fees or minimum balances. 
Now there is a service charge for not maintaining some preset balance in the account that I never agreed to and I don't even know : 1. ) what that balance threshold is 2. ) all of the possible fees associated with the account This was really poor business management on the part of PNC Bank, very unfair to the BBVA account holders that previously had totally free checking. Will definitely be taking my business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
We were in the process of refinancing our mortgage with XXXX Mortgage. On XX/XX/XXXX at XXXX pm I asked XXXX XXXX, our loan specialist, to provide me with a final, corrected Closing Disclosure before we signed the final loan documents at the settlement table. At XXXX pm on XX/XX/XXXX, she sent us a corrected Closing Disclosure that showed we would be getting {$2900.00} cash back to borrower at closing. I responded to her via email that " this is acceptable '' and we were ready to close. 

When the notary from XXXX XXXX XXXX XXXX showed up to our house, she had over 20 pages of documents for us to sign. The Closing Disclosure in this packet of documents was not the same CD that I had approved via email prior to the in-person closing. A new CD was inserted that showed that we were to only get {$2000.00} back at closing. NewRez, or the title company, kept the balance of the funds. 

When we received the check for the incorrect amount, we reached out to XXXX XXXX and XXXX XXXX, the original loan consultant, about the error. As of today, XX/XX/XXXX, there has been no resolution to this matter. It is unfair and deceptive for the Closing Disclosure to change at the closing/settlement table without prior approval from the borrowers. 

XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
i have never had any late payments when I had this credit card and they are showing late payments in 2019 the card was reported stolen back then and the company corrected it now that a new company has it they show late payments on my old cb indigo credit card I have never been later or pastdue on an account in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION
State: AZ

Complaint narrative:
FirstBank hold my mortgage. On XX/XX/XXXX the sent a letter explaining that the servicing of my mortgage was changing to another company and that the very next payment would not be accepted on XX/XX/XXXX... my next payment date just days away. 

I understand that these things can change but .... 
1 ) such short notice to comply with the change is ridiculous 2 ) the letter looked like it could have come from anybody setting up the prefect scam to have people start sending their payments to this new address 3 ) my payment was on auto pay and it the payment was controlled by firstbank. The payment could have been initiated by the new servicer but it was not. 

I'm wondering how many people are going to be hit by late fees generating possibly millions of dollars in late fees for this bank that never would have happened if they had executed this transfer more responsibly. I would like the record noted at the CFPB that is a possible scam to reward managers at this bank.

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 2022-08-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. These inquiries are unauthorized. I lost my wallet. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : Name : XXXX XXXX 4. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX 5. The following personal information is incorrect Account Number : Date of Birth : XXXX 6. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/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 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
in XXXX I was receiving Unemployment benefits for the amount of {$2100.00} every two weeks. happened that for the weeks e ending on XX/XX/2020 & XX/XX/2020, I never received the Deposit regardless XXXX confirmed have sent to Bank of America. 
When I open a complaint XXXX XXXX XXXX XXXX ( Resolution Specialist ) from the regulatory Complaints from that Bank sent me a letter sent me a letter closing the complaint and off course backing ups her Bank, and also sent me my Bank Account Activity for such Debit Card BUT ONLY until XX/XX/XXXX!!! 
She never sent me the Debit card activity involving the weeks in complaint ( XX/XX/2020 & XX/XX/2020 ). I believe she sent that in purpose because they could NOT prove that I have received nor withdrawn such amount {$2100.00}. I replay to her email asking for the two weeks activity statement but she just ignored and never hear back from her. 
You closed the complaint ( XXXX XXXX XXXX ) as well giving for granted that whatever respond from that individual was accurate. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: IA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The payment history on this account XXXX is completely inaccurate. Attached you'll find a screenshot of the trade-line displaying the inaccurate 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 explanation
Consumer complaint received 2022-08-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 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- Has violated my rights.

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 my written instructions 15 U.S.C 1681 Section 623 ( a ) ( 5 )

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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I have been using XXXX mastercard since my children were young to earn rewards for college. My son is now in college and I have been trying to get the funds transferred. The website says a total of {$2800.00} was transferred but only {$400.00} ever arrived in my son 's XXXX. I have been trying to contact XXXX for weeks. The phone number directs you to an online chat. The chat says you must schedule an appointment for a call back. I have scheduled several but never received a call back. Today, the chat says they are closed despite it being within the hours of operation listed in the same paragraph. I also submitted a request for help online and have received no response. I called XXXX mastercard and they redirected me to the XXXX phone number XXXX saying a person would answer. This number tells you to schedule a phone appointment online. I have no idea how to contact this company to resolve the issue of the {$2400.00} of missing college rewards. I appreciate any help you can provide.

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 2022-08-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Ive been disputing accounts, incorrect personal information, and inquiries for over two years with Equifax. Equifax has responded " verified '' to these erroneous accounts that have accumulated on my CONSUMER report over the time. Also, during these times I've had a fraud alert on my account and still Equifax has " VERIFIED '' that the said debt is mine. 

Equifax has failed me as a CONSUMER by not only verifying erroneous accounts, they also VERIFIED THE INACCURACIES AS WELL. 

EQUIFAX HAS BEEN REPORTING THESE ACCOUNTS OUT OF COMPLIANCE WITH THERE OWN REGULATIONS! 

PLEASE SEE ATTACHED DOCUMENT! 

( I HAVE MY THUMB PRINT WITH THE LETTER ALONG WITH SUPPORTING DOCUMENTS AS PROOF OF ME BEING A REAL PERSON, NOT A COMPUTER, OR AGENCY ) NO EXCUSES!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: PA

Complaint narrative:
To whom this may concern I asked the credit bureaus to do a verification of everything on my credit report, which they did and they verified with me that everything was accurate. However, I did my own research and found improper inaccuracies on the credit report. After disputing the student loan account with XXXX  XXXX XXXX starting with account # XXXX, I disputed the information with Transunion, XXXX, and XXXX. I found several inaccuracies even after an FCRA investigation was completed. There are several inaccuracies on the high credit limit, last reported date, and last active date. According to the fair credit reporting act, that I included below, the credit bureaus credit report was not completed accurately and due to this, I want all information associated with this account deleted off of my credit report. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C. 1681 section602 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 my written instructions 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-08-09 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: MOHELA
State: CA

Complaint narrative:
Date Reported XX/XX/2022 A student loan by Mohela/ Department of education for {$5500.00} on my credit report was not opened by me. I have paid off any all-student loans that I applied for years ago. I have disputed this, and they refuse to remove 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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Incorrect personal information on credit report 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 2022-08-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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