vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 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: PA

Complaint narrative:
XXXX keeps on reporting my scores wrong my score spouse to be at XXXX TransUnion and XXXX I have no collections on my account what so ever

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 2021-03-17 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: PA

Complaint narrative:
XXXX keeps on reporting my scores wrong my score spouse to be at XXXX XXXX and Equifax I have no collections on my account what so ever

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: PA

Complaint narrative:
Experian keeps on reporting my scores wrong my score spouse to be at XXXX XXXX and XXXX I have no collections on my account what so ever

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 2021-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have attempted to dispute my charged-off XXXX XXXX XXXX credit card account ( account number begins with XXXX and ends with XXXX ), as this account is now paid in full with a XXXX dollar balance, as of XX/XX/2021. The credit bureaus dispute website will not allow me to file a dispute for this account and it gives no such reason why Im unable to file a dispute for the XXXX XXXX account, so that the account is updated on my credit file to reflect paid in full and a XXXX dollar balance. I have tried to upload supporting documentation to the credit bureau, but I receive no acknowledgment that its been received or that its being processed as a means to substantiate that this particular debt is paid in full with a XXXX dollar balance as of 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 2021-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have attempted to dispute my charged-off XXXX XXXX XXXX  credit card account ( account number begins with XXXX and ends with XXXX ), as this account is now paid in full with a XXXX dollar balance, as of XX/XX/2021. The credit bureaus dispute website will not allow me to file a dispute for this account and it gives no such reason why Im unable to file a dispute for the XXXX XXXX account, so that the account is updated on my credit file to reflect paid in full and a XXXX dollar balance. I have tried to upload supporting documentation to the credit bureau, but I receive no acknowledgment that its been received or that its being processed as a means to substantiate that this particular debt is paid in full with a XXXX dollar balance as of 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 non-monetary relief
Consumer complaint received 2021-03-17 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: EQUIFAX, INC.
State: CO

Complaint narrative:
My original dispute letter was sent XX/XX/2021 by certified USPS mail. I called Equifax in regards to my dispute letter and inquired about any recent activity with my credit file. The representative that I spoke to on a recorded line calmed to that she doesn't see anything regarding my previous dispute in the system. When I asked her to look up this information more carefully, I was placed on hold and eventually disconnected from the call. I called back again and tried speaking to another representative to help with this issue further, and again placed on hold then shortly after disconnect again and was connected to a survey where I gave a thorough review of my experience with this call. 

The accounts that I specified on the dispute are as follows : 1. XXXX acct # XXXX - I previously disputed this account and it was never verified by the creditor but still remains on my credit report. 

2. Collection acct Unknown ) acct # XXXX and a balance of {$87.00}. The original creditor is unknown. I never had a contractor with the debt collector for any debt. 

3. Collection acct Unknown ) acct # XXXX and a balance of {$66.00}. The original creditor is unknown. I never had a contractor with the debt collector for any debt. 

4.Collection acct Unknown ) acct # XXXX and a balance of {$33.00}. The original creditor is unknown. I never had a contractor with the debt collector for any debt. 

I'm calling for these accounts to be properly deleted from my credit report due to the inaccuracy of the information. Also, the very fact that Equifax has failed to properly investigated my dispute and acknowledge a response by 30 days once a dispute has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion did not investigate my issue either time I filed a dispute. 

My last dispute was submitted on XX/XX/21 and received notification on XX/XX/21 that the investigation was complete. I am due a fair and proper investigation. 

If investigated as it should be, you will find that Transunion did NOT verify a bankruptcy thats reflected on my credit report. 

Their original notification indicated that the US Northern Bankruptcy Court was the source and it was verified through the court. 

I have documentation ( provided to Transunion ) indicating that the bankruptcy court does NOT verify bankruptcies. 

This information was illegally placed on my credit report as no information was verified. It is illegal to place items on a credit report without verifying the information first.

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 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: MI

Complaint narrative:
I had a dental procedure done from XXXX XXXX XXXX of XXXX Michigan in 2020. I asked the cost before service, paid the amount at time of service. Was then told a month later that they made a billing error and I was responsible for the added cost. This is a classic example of what is wrong with our medical industry. Imagine buying a car and then the dealership telling you a month later it was the wrong price and you owe more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: GA

Complaint narrative:
Identity Thief XXXX XXXX XXXX XXXX XX/XX/2021 {$6300.00}, XXXX XXXX XX/XX/2021 {$510.00} XXXX XXXX XX/XX/2021 {$1300.00} XXXX XXXX XX/XX/2021 {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: MA

Complaint narrative:
CFPB, I am writing in regards to XXXX and Equifax refusing to delete re-aged XXXX XXXX account XXXX. XXXX is reporting XX/XX/XXXX, Equifax is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX Re-aging account is a violation of the Fair Credit Reporting Act. The date last active is reporting three different years and dates which is inaccurate and a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
Dovenmuehle Mortgage performed an escrow analysis dated XX/XX/2021 with incorrect information. As a result my annual property taxes were increased from {$7700.00} to {$9600.00} with no documentation to support the increase in property taxes. In turn my monthly mortgage payment went up nearly $ XXXX/month A letter from Dovenmuehle was received on XX/XX/2021, 3 weeks after it was initially performed. There was no notification through their online servicing portal that any changes were being made to the loan, taxes, or payment. 

Upon receiving the escrow analysis on XX/XX/2021 I immediately reached out to Dovenmuehle with the contact information provided on the letter received. I was instructed to send an email to " XXXX with my loan number in the subject line and attn tax department '' with any information regarding the errors. 

An email was sent on XX/XX/2021 with an official city tax bill, 24 month chain of title, initial escrow account disclosure statement, and tax record information sheet from closing. All 4 documents have the correct tax information, tax parcel number, and legal description. After sending in the corresponding documentation I was told that the tax discrepancy would be resolved by XX/XX/2021. 

On XX/XX/2021 my regular scheduled mortgage payment was made with the overcharged amount of {$2100.00}, when normally {$1900.00} is min payment. 

I followed up on XX/XX/2021 via phone using the same number that was provided on the analysis statement. The information was still incorrect and at this point a separate case was opened up for the same issue with a further deadline date of XX/XX/2021. I was given no information on why my original request was not completed and why now a new request was opened in lieu of my original. i can only assume that Dovenmuehle missed their deadline and are now creating a new request to extend the already passed deadline to protect themselves On XX/XX/2021 I received an email from XXXX XXXX " XXXX '' with '' XXXX XXXX XXXX '' cc 'd on the email. indicating XXXX would be my main point of contact and he is the resolution specialist handing my tax issue. 

XXXX XXXX is telling me that following up could be hindering the process of getting my tax information corrected. To me as a consumer this response comes off retaliatory all because I am trying to stop being overcharged for my annual taxes and monthly mortgage payment. 

I have followed up multiple times and there has been no movement with my issue, it has been nearly 60 days since the incorrect escrow analysis has been performed. 30 days since all the documentation to correct was sent to Dovenmuehle Mortgage. As a result Dovenmuehle is systematically overcharging me on my mortgage nearly {$160.00} with no accountability or timetable to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
BSI Financial was the mortgaging servicer for my home mortgage, and the servicing was transferred to another entity as of XX/XX/XXXX. However, BSI Financial is responsible for providing the annual mortgage interest statement since it collected mortgage payment through XXXX and XX/XX/XXXX. 

As of XX/XX/XXXX I have reported to BSI Financial Services, the mortgage servicing company, that I did received the annual mortgage interest statement ( form 1098 ). I was told the document was mailed to my residence and a given that I had not received it, a request for the document will be submitted to the appropriate department. I waited two weeks, yet I did not receive the document. I call again and informed the BSI representative that I had not received the document and asked for expedited service given that the form was delayed. The representative stated she will send an email to the appropriate department, and she also asked whether I would like to learn the amount verbally. I told her a verbal response from the company is unacceptable and I would like the document as it the only confirmation that would be acceptable in the business world and I need the actual statement. 

On XX/XX/XXXX I called the company again explaining that I have not received the document and again asked for expedited service. Again the representative offer the same explanation ( a request was send to the appropriate department ). She also stated I would receive the document via email within 24 hours of the request. The representative also offer to give me the information verbally, which I repeated my response. I need the actual statement. 

Since that time, I have made two additional calls to the company for same request and receive the same response. I find this company to lack appropriate measures for handling customers ' requests and further believe is should not take 2 months to provide a pre-filled document, that is required by statute to be mailed to customers by XX/XX/XXXX. Further if the statement was mailed at the time the company claimed that it was mail, why is it so difficult for the company to produce a copy?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
The company MyLoancare servicing has not paid taxes on the the property to the correct county for two consecutive years. I have spoken with the company for months with no resolve. The normal payment is XXXX. A escrow analysis was completed due to the incorrect parcel. The taxes were paid to another county XXXX XXXX XXXX. The property I reside in for the last 20 years is located in XXXX county. After the payment. Of XXXX in taxes was paid the new analysis escalated my new payment to XXXX to make up the escrow. The agency said they would do a new analysis this has not been resolved and they will not answer my questions or make payment to the correct county to remedy the issue. 
XX/XX/XXXX new analysis XXXX multiple call, letters, tax documents sent to MyLoancare XX/XX/XXXX place in COVID Forbearance XXXX XXXX calls no remedy for tax payments for XXXX and 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 2021-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited a check to my XXXX XXXX XXXX checking account amounting to $ XXXX on XX/XX/XXXX from my Citibank checking account, it was returned even though it has funds. I was charged a return check fee then there were so many overdraft protection charged on my credit card. I paid way too much worth $ XXXX for something that is not my mistake. I contacted Citibank and they said I have no stop payments but XXXX XXXX XXXX is committing that anomaly/fraud in my account. I attempted to deposit again and they did the same thing again even my account at Citibank has funds they keep charging that return check fee plus too many overdraft protection in my credit card. 
Due to XXXX  XXXX XXXX 's fraud I went to their branch in XXXX on XX/XX/XXXX and asked the manager to close all my accounts ( checking, savings, credit cards ) at XXXX, Until XX/XX/XXXX they are still charging an already closed account. Now they are charging another $ XXXX again to an already closed account. They reported to the credit bureau that I owe them and they reported an inaccurate report to the bureau. My credit score got affected by XXXX  XXXX XXXX 's fraud. My credit score is XXXX, now it dropped to 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 2021-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I deposited a check to my XXXX XXXX XXXX checking account amounting to $ XXXX on XX/XX/XXXX from my XXXX checking account, it was returned even though it has funds. I was charged a return check fee then there were so many overdraft protection charged on my credit card. I paid way too much worth $ XXXX for something that is not my mistake. I contacted XXXX and they said I have no stop payments but XXXX XXXX XXXX is committing that anomaly/fraud in my account. I attempted to deposit again and they did the same thing again even my account at XXXX has funds they keep charging that return check fee plus too many overdraft protection in my credit card. 
Due to XXXX XXXX XXXX 's fraud I went to their branch in XXXX on XX/XX/XXXX and asked the manager to close all my accounts ( checking, savings, credit cards ) at XXXX, Until XX/XX/XXXX they are still charging an already closed account. Now they are charging another $ XXXX again to an already closed account. They reported to the credit bureau that I owe them and they reported an inaccurate report to the bureau. My credit score got affected by XXXX XXXX XXXX 's fraud. My credit score is XXXX, now it dropped to 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 2021-03-17 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: MA

Complaint narrative:
CFPB, I am writing in regards to XXXX and XXXX  refusing to delete re-aged XXXX XXXX account XXXX. XXXX  is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX TransUinon is reporting XX/XX/XXXX Re-aging account is a violation of the Fair Credit Reporting Act. The date last active is reporting three different years and dates which is inaccurate and a violation of 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 explanation
Consumer complaint received 2021-03-17 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: MA

Complaint narrative:
CFPB, I am writing in regards to Experian and XXXX  refusing to delete re-aged XXXX XXXX account XXXX. Experian is reporting XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX Re-aging account is a violation of the Fair Credit Reporting Act. The date last active is reporting three different years and dates which is inaccurate and a violation of 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 explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
This company posted a collection on my credit with inaccurate information ; I have disputed at least a dozen times and they have verified it. This company has never once contacted me directly about this alleged debt. They sent no notification via mail and Ive lived at the same address for 10+ years, my address and phone are both correct. I called a number for this company I found online and they werent able to locate my account. This is impacting my ability to obtain a home mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had a collection account showing on my Experian credit report, I tried to dispute the account online many times, because it was really unfair to have this account on my report because the moment the collection agency contacted me I paid in full especially the orginal creditor is from a foreign country who sold the account to the collection agency. 

However, the account was removed from my report on XX/XX/2021 and now its back in my report!!! How is that possible!!! When I was speaking to dispute XXXX from Experian she said it wasnt removed!! How is it possible they play with my credit report?!!

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