vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
My spouse and I closed on our house XX/XX/XXXX and the loan servicing was transferred to Specialized Loan Servicing ( SLS ) on XX/XX/XXXX. 

At closing ( XX/XX/XXXX ), we paid XXXX  months of property taxes, {$6600.00}. This should have been for our XX/XX/XXXX tax payment and to fund our escrow account. 

SLS was responsible for paying property taxes out of our escrow account in XX/XX/XXXX ( XXXX mths ) and XXXX of XXXX ( XXXX mths ), but did not pay the taxes on time, total missed payments for XXXX of {$11000.00}. 

As of XX/XX/XXXX, SLS was holding XXXX months of property taxes and still had not paid the XX/XX/XXXX & XX/XX/XXXX tax bills. This violates federal lending laws. 

In XX/XX/XXXX, SLS inexplicably issued a {$4100.00} refund to my spouse as if there was an overage in our escrow. This was only due to taxes not being paid at all in XXXX. 

On XX/XX/XXXX, SLS paid XXXX XXXX {$5500.00} for the XXXX XXXX half taxes and another {$5500.00} for the XXXX XXXX half taxes. 

Then, in XX/XX/XXXX and XX/XX/XXXX, SLS shows they paid {$4800.00} for our property tax payments, an amount that was short by {$750.00} each time. 

But, XXXX XXXX 's records indicate that {$5600.00} was received in both of those months, which indicates a cumulative {$1500.00} accounting discrepancy from SLS 's transaction history. 

In XX/XX/XXXX, SLS sent an escrow shortage letter showing a - {$5400.00} negative escrow balance with a {$2100.00} required minimum, and a {$7600.00} total escrow shortage. 

SLS then notified us of a $ XXXX escrow shortage to be added on to our regular mortgage payments for XXXX  months, to make up for their ongoing mishandling of our escrow account. 

SLS is responsible for the missed payments and massive discrepancies in our escrow balance resulting in the {$780.00} a month shortage. 

SLS at no point provided any communication regarding missed payments in XXXX or that the balance therefore was severely different than the escrow analysis provided. 

I called them to discuss the shortage in XX/XX/XXXX and they did not notify me of missed payments on their behalf. 

Last week, I returned their call and notified them that I intend to file a dispute. They logged the call in their system with a note that I understood and agreed to the shortage amount. 

After XXXX  months, our taxes have never been paid correctly nor has SLS accounted for our escrow funds correctly. 

They continually stonewall us and do not tell the truth. Attached please find the documentation from XXXX XXXX and SLS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of anxiety, and I kindly request that you address it promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: BMW Financial Services NA, LLC
State: MS

Complaint narrative:
NOTICE OF DISPUTE Account Number XXXX Upon discovery after viewing my consumer report I see that BMW FINANCIAL SERVICES is report-ing a late payment to XXXX, XXXX & XXXX XXXX This alleged late payment is inaccurate & a clear billing error. Pursuant to 15 USC 1666b ( a ). I did in fact not receive my periodic statement 21 days before my billing due date causing this late payment to be null & void.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian is showing that I have missed payments or derogatory indicators on 1 account. No other credit reporting agency shows this. Experian does not name the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: MS

Complaint narrative:
NOTICE OF DISPUTE Account Number XXXX Upon discovery after viewing my consumer report I see that XXXX XXXX XXXX is report-ing a late payment to TransUnion, XXXX & XXXX XXXX This alleged late payment is inaccurate & a clear billing error. Pursuant to 15 USC 1666b ( a ). I did in fact not receive my periodic statement 21 days before my billing due date causing this late payment to be null & void.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: MS

Complaint narrative:
NOTICE OF DISPUTE Account Number XXXX Upon discovery after viewing my consumer report I see that XXXX XXXX XXXX is report-ing a late payment to XXXX, XXXX & Experian XXXX This alleged late payment is inaccurate & a clear billing error. Pursuant to 15 USC 1666b ( a ). I did in fact not receive my periodic statement 21 days before my billing due date causing this late payment to be null & void.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: FL

Complaint narrative:
Upon looking at my Equifax Credit report I notice several fraudulent reports that are reporting. I am not aware of this accounts. I have a police report and supporting documents for identity theft. Please review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I have contacted Selene Finance and they have told me if I can reinstate the past due mortgage balance, the terms of the loan will continue the same. Since my past due mortgage is in the amount of +/- {$94000.00}, they will accept {$50000.00} from HAF and the rest from a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/23, I was notified that my Choice Privileges Visa card with Barclays would convert to a Choice Privileges Mastercard with XXXX XXXX on XX/XX/23. On XX/XX/23, I mailed the attached cashier 's check in the amount of {$8600.00}, with the attached XXXX statement to Barclays. On XX/XX/23, the cashier 's check cleared my bank, but was not credited to my account prior to converting to XXXX XXXX on XX/XX/23. The attached May statement from XXXX XXXX for the period XX/XX/23 to XX/XX/23 does not reflect the $ XXXX made to Barclay on XX/XX/23, and includes additional interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am having a problem with a credit Karma concerning my credit report .there is a car loan on my report from XXXX XXXX XXXX The account is closed but there still reporting, reports on my credit report..Like on XXXX XXXXmy balance increased but my score still went up XXXX points with this XXXX XXXX XXXX and thats just one thing.and ever time i contact credit karma the phone hangs up .Now on my report it says o accounts needs my attention .but im getting emails from credit karma saying my credit acceptance account needs some attention..and thats just to start.who ever is sending it are not the original loan houlders..please help XXXX XXXX XXXX... ..Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NV

Complaint narrative:
Cash app will not release my XXXX. I have asked them to since XX/XX/2022 fourteen times. They have automatic response each time I call or email that states they will investigate and respond within 24-48hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : XXXX XXXX XXXX XXXXXX/XX/ To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
Please see attached letter sent to TD Card Services on XXXX for matter details. This letter was sent through my attorney 's office, I have still not received a response from TD Bank. This account was NEVER activated, I NEVER received a card, NEVER received a bill and they are trying to rack up late fees for interest. They conveniently don't respond in an attempt to rack up late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with the Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Sections 602 states I have the right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 2023-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The wire transfer send from my XXXX bank XXXX Wells fargo bank account on XX/XX/XXXX went through on the same day but wasnt put on receiver account. Wells fargo ask for additional information on XXXX which is not required for wire transfer under XXXX ( my address, tax id, nature of business ) but my bank didnt notified me even I called multiple times. Only when they allow me to open case on wire investigation they ask me for that additional information which was provided right away but money was still not deposited. The seller cancelled my transaction I have additional fees and expenses go with that. As today XX/XX/XXXX over 20 days after transfer was send, money is still not deposited and not returned to me. Wells Fargo not responding to my bank representative, my bank telling me to wait and there is nothing that they can do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: CA

Complaint narrative:
My name is XXXX and I disputed some information on my credit report. My identity was used without my permission to open items with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many other collections. I disputed this with the XXXX bureaus on XX/XX/XXXX and i received a response from XXXX & EXPERIAN saying I did not authorize this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Since receiving and using my kohls card it has been set up to make the minimum monthly payment via autopay. This has never been changed. Today XXXX XXXX, Kohls withdrew {$260.00} from my checking account to apply to my charge card. This was the full statement balance. They were only authorized to take the minimum payment of {$29.00}. My account password was changed when I tried to review the account and then locked for 2 hours. When I contacted customer service they told me it was set to pay the full statement balance. This is false. My account has always been set to minimum payments since receiving the card well over a year ago. This is not the first time I have had an issue with this account. At one point they took off my autopay causing a late fee because the payment was not made, unbeknownst to me as autopay should still have been active as I have never changed it. I asked to have my funds reversed and the minimum payment withdrawn. They told me they could not do that. I will be filing a lawsuit against Kohls Credit for violation of my rights under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has me in XXXX XXXX listed as fraud from XXXX. I tried to open a account online and was told to go to a branch with 2 forms of id which I did. But they still has it listed as fraud in XXXX XXXX and on XXXX and I don't know who else. I just keep being denied. I can't even open up a business account which I need to. This is hindering my life at no fault of mines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I currently have a dispute with PNC over unauthorized payments ( around {$1500.00} ) to something called XXXX XXXX XXXX. That initial payment was on or around XX/XX/2023. 

While I was out of the country, on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX somehow got {$53.00} from my checking account via my debit card. This happened nearly two weeks after I reported XXXX XXXX XXXX as suspicious to PNC. Yet they didn't block or even flag them for this debit. 

I called PNC as soon I noticed this, yesterday ( XX/XX/XXXX ). They apparently have no mechanism in place to block parties I've warned them of. They refused to escalate the situation, even though I have a current dispute over the same vendor. 

Further, I reached out to someone at PNC on their executive customer service team ( or whatever group it is ), but was quickly dismissed with " It's still in dispute. '' I'm waiting on a call back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: TX

Complaint narrative:
The entire experience with Movement Mortgage has been stressful and exhausting. 
To start, we were ready to close in XX/XX/2022, but for some reason proper paperwork was not sent for the 2nd lien. This forced us into a later closing date and left my family, including my XXXX XXXX XXXX son and XXXX XXXX XXXX daughter, homeless for 3 days. Not only that, but forced us into a double move where we moved all of our belongings into storage and 3 days later into our new home. 
I had a planned week off from work to assist with the move but due to the ball being dropped on the paperwork, I could not be available to help my family move into our new home once the closing process was completed. 

At the closing table I was told the seller would be paying for taxes and not to worry about bills in the mail. Once bills with late fees attached started coming I then contacted movement because the taxes should have been paid. Movement then told me they do not have the money for taxes and it was my responsibility. I paid the first bill out of pocket ( with late fee ) and intended on paying the XXXX  ( also with late fee ), but Movement beat me to it and converted my account to escrow.

Now we find out Movement had the funds the entire time for 6 months! How does this go unnoticed?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
I want this company to cease all communications written, verbally, as well as reporting to my consumer report as it is also considered a form of communication per United States code 15 subsection 1692C.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid Chase an amount of {$2500.00} to a wrong credit card account on XX/XX/XXXX. I wrote to them middle of XXXX to get my money back. Chase wrote me back after a month on XX/XX/XXXX stating they would mail me a check. They told me it took two weeks to get my money back. As of XX/XX/XX/XX/XXXXand many follow up calls they can not give me a straight answer as when I will get my {$2500.00} back. This has caused many problems. We told them we want to get refunded right away but they told me they would a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
No mine. I not knw who medical billing ppl are. Not been any medical hospital since XX/XX/XXXX. This {$510.00} duplicate debt report # XXXX was sold to different 3rd collection Co XX/XX/XXXX Bec it got deleted twice of same amt XX/XX/XXXX & XX/XX/XXXX was disputed 2 different collection co XXXX  XXXX XXXX XXXX XXXX XXXX XXXX sold to different collection co when got disputed & erased from my credit report & now sold to 3rd different collection company Ability Recovery collection started new one in XXXX of same exact duplicate {$510.00} each that is not mine!

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