vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
XXXX XXXX talked with Bank of America customer service, Escrow account service. Received letter from B of A 1 required minimum balance XXXX.since XXXX up to XXXX, when escrow is short ( Insurance & Property tax mortgage payments increase each year to cover shortage, where is the XXXX and when is it utilized? I was forced to have escrow XXXX. I owed property tax XXXX. B of A demanded mortgage payment to include XXXX & XXXX property tax & insurance for the year, XXXX to be paid immediately, the total was over XXXX. 
XXXX B of A has not acknowledged payment of XXXX taxes increased amount or XXXX County has not sent a bill to show amount paid. I paid increase amount of Insurance and B of A sent total amount anyway and Insurance company send me a refund. 
Required minimum balance was not required, because XXXX with escrow accounting put in a request for me that XXXX is, was no longer required. It was approved. 
I paid the amount that would cover shortages for escrow. XX/XX/XXXX I paid XXXX. I have made these payments and B of A has not added them into the Escrow account or given me credit to keep the mortgage payment. This is the 2nd year I have made payments. The new payment for XXXX is XXXX giving no credit for these payments. 
I changed insurance company 's B of A paid both of them sending the computer figures back to an increase mortgage payment because escrow was short. 
MY COMPLAINT MORTGAGE PAYMENTS SHOULD NOT INCREASE, no required minimum bal. .Also B of A has not sent me any monies my escrow account closed XXXX with a bal of XXXX and the payment deductions are inconsistent. 
XXXX XXXX XXXX XXXX XXXX XXXX B of A has not sent letters acknowledging the dismissal of required minimum bal, or a letter to XXXX county about the payments of tax increase.

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 2021-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
I have already provided the documentation of removing the registration from the car in question. On XX/XX/XXXX we removed the registration of the car with the DMV. Which relieves us from the tittle of the car. We had sold the Car in XXXX of XXXX to XXXX XXXX who bought the car for {$200.00}. We are not responsible for this car. XXXX had towed the car from our home. He claimed to be a mechanic. Then in XX/XX/XXXX we are notified that the car was found abandoned. We have no ties with the car. We removed the registration that clears our name as well as remove the license plates and the insurance. We have made it clear to Outsource Receivables Management that the car was sold and is not in our precession since late XXXX of XXXX. The police officer informed us on XX/XX/XXXX there was nothing else we needed to do since we had done everything we needed and more. He confirmed we had removed the registration from the car. We are not responsible for the car being abandoned and towed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have attached a notarized Affidavit of Fact and letter pertaining to the incorrect and/or inaccurate information being reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX, Experian member ID XXXX. I had an auto loan with XXXX XXXX XXXX for 3 years, in XX/XX/XXXX I paid off the balance of {$19000.00} and they also remove 2 late payments from XXXX and XX/XX/XXXX off my report. Despite all of those positive factors, my FICO score 8 and FICO score 2, remained the same! What possible logical explanation would justify that? You can tell me theres multiple factors that impacts someones score, but if I pay off a car loan I had for 3 years, and had 2 late payments removed, while maintaining my credit utilization low on my other cards - theres no reason why my credit score would remain stagnant with no change. 

This situation amongst a lot of other issues Ive had in the past with Experian leads me to believe the scoring model is discriminatory, selective and inaccurate. I need a full investigation as to why my scores did not change after paying off my auto loan and had 2 late payments removed. Im also unable to file online 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 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
XX/XX/2021 i was contacted for the third time from this company. As a consumer my right to privacy has been violated as Ive never given this 3rd party company my phone number to harass me or my address to also do so by sending mail. This was done without my consent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: PA

Complaint narrative:
my identity was used to obtain so called good and services with these so called creditors.

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 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I open my XXXX  XXXX card bank in XXXX they are saying i open in XXXX under the fdcap it is more then 7 years old the account and needs to be removed they have never sent me any proof that the account is from XXXX they have force up date the system to be that date when i contact the debt collector it even plays a message telling me this account is 7 years old and can no longer be collected on i would like it removed from my credit report or i will file a law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: PA

Complaint narrative:
my identity was used to obtain so called good and services with these so called creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been in financial hardship due to covid, and loss of work before hand. I have recently started working I have tried calling chase bank twice about helping with deterring payments. Only to give me more time. Only to be met with resistance saying they can not change their policy. When I asked to speak to a supervisor, I was disconnected. Zero leniency policy makes me never want to do business with chase bank again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: FL

Complaint narrative:
They continue to call me repeatedly after I have told them I have no knowledge of this account and it has been removed multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 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: NY

Complaint narrative:
Experian has not provided me with copies of their investigations they used to verify incorrect information that is being reported on my credit report on several accounts. I have sent numerous letters to them, with no response, starting XX/XX/2021, XX/XX/2021, XX/XX/2021, and finally XX/XX/2021. They have blatantly disregarded the law and my rights and I am done after 6 months of trying to work with them.

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 2021-08-31 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:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the XXXX XXXX Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2021-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
To Whom it May Concern : I am contacting the CFPB for a fraud I reported to my bank, who shall not honor the transaction in first place and refused to take any action for it. 
I wrote the check, as ( Screen Shot XXXX at XXXX XXXX.png ) shows, to the payee, XXXX XXXX for XXXX XXXX, dated the check - XX/XX/2021, for tuition that is due XX/XX/2021. 
However, I found out a couple of days ago, that the check was altered, as the enclosed image shows ( Screen Shot XXXX at XXXX XXXX.png ), with an altered date, XX/XX/2021. I understand the bank has the right to deposit prior to that date, but not if the check is altered. I contacted the payee right away and warned that it is a criminal offense to forge a check. The payee denied the wrongdoing, and claimed its the bank that altered the check. 
As a person majored in Banking law, I treat such issue seriously. So I called my bank, Santander, this morning, for over an hour. I explained to them patiently and politely that it should not accept the check in first place, and at least for now, they should void this transaction, and file a claim against the payee bank for the fund for me. I refrained myself to advise them to do an internal audit for their operation practice, and of course they did not give me the honor and opportunity. They just blatantly denied me any repercussion. After being put on hold, politely requesting to review by a supervisor and getting the same answer, the conversation was over, as below screenshot shows, when the conversation was ongoing. 
I tried to solve this issue with Santander, and apparently it wont go anywhere, even when I told them that I will escalate to the CFPB. 
The fund is not in a great amount, but I could imagine consumers without knowledge of the UCC, banking regulatory rules and agency, or the way to file the complaint. What are the remedies for them in such violation? 
Thank you for reviewing my complaint and I am looking forward to hearing back from you the result. 
Best,

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 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX Physically signed a letter with the apartment complex itemizing what I was paying for which included a garage. This was for a short-term lease ( 9 months ) XXXX Apartment sold and under new management XXXX XXXX Moved out of an apartment after paying for the full month back in XXXX XXXX Email response to the new management to their claim that I owed an additional {$380.00} XXXX Notified by National Credit Systems that the alleged debt is now under collections XXXX Letter to NCS regarding their information appears fraudulent and I disputed its accuracy. That agreement showed no garage was being rented. 
XXXX Notified by XXXX  that they are reporting this ( disputed ) collection in my credit report. 
XXXX Talked to XXXX  about this disputed issue being reported. I was told they blindly accept any agency 's claim as being truthful and accurate. They bare no responsibility to even ask if claim is disputed. 

My attempts to talk to NCS about results in the same way, they ask if I am going to pay or not. I told them " no it is a disputed claim '' and they immediately hang up. They refuse to listen as to why. In my opinion NCS is using the credit reporting agency as leverage to force payment ( bullying ). And XXXX  has no idea what records the agency is withholding from them such as the consumer is disputing this claim. They blindly trust the agencies as the claim is both accurate and not contested.

ALL Credit Reporting Agency 's must take a simple step to ensure the claim being reported to them is not being contested by the consumer by simply asking that very question. Truth and Accuracy matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
We have 2 mortgages on our home. The 2nd mortgage was discharged in a bankruptcy and according to the company it has been written off. We had damages to our property which was covered under our XXXX  XXXX XXXX XXXX They wrote the checks to our first, second mortgage company and to us. We forwarded the checks to Shellpointe Mortgage Servicing and without our knowledge or signature they deposited the checks. We are now left with no funds to repair our damages and the first mortgage company is saying we must repair the damage in 60 days. When we contact Shellpoint  they always say we can't find your account etc until you get the right person. Basically they have fraudulently taken the funds.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian improperly charged me {$24.00} for one month with the promise of charging each month for their stupid Premium membership. I was charged on XX/XX/2021. 
The initial purpose of my contact with this scum, was to lift a security lock in order to open a business checking account.

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 2021-08-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX  MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX & XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: NY

Complaint narrative:
I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXX ; Account # XXXX XXXX  XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX  XX/XX/21 XXXX XX/XX/21 XXXX XXXX  XX/XX/21 Have contacted transunion and creditors on multiple occasions to remove these from my report as they were not authorized. Creditors will not supply any proof to validate inquiry or delete. Transunion refuses to delete.

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 2021-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: CA

Complaint narrative:
My loan stated that if I did community service I could have for forgiveness. I not only did charity work throughout my career working at XXXX XXXX XXXX XXXX XXXX but I took a year off work as a XXXX XXXX for my husband a United States XXXX veteran instead they XXXX my child on XX/XX/XXXX and locked me out on the streets for over two years with no way out not even access to my XXXX  daughter. I get an email back saying its a private loan theyre cutting closing my case I am asking for for forgiveness for my loan I am also asking that if my husband abandoned me on the streets a month after I cosign his student loan that he take back his student loan and shove it up his XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation