vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OH

Complaint narrative:
Cardinal mortgage established a fully funded escrow account at the time the loan was conceived ( around XX/XX/2021 ) and subsequently neglected to pay the homeowners insurance. The lapse was noticed 2 - 3 months later and resulted in the cancellation of my homeowners policy. Hence, a new homeowners policy was created. This came at a higher premium for the exact coverage. Cardinal didnt assume any financial responsibility for their mistake. In addition, because of the lapse in coverage between XX/XX/2021 to XX/XX/2021, I had to buy insurance to cover those dates along with the normal annual premium. After paying for the coverage, my insurance agent and I called on three occasions to provide proof of insurance ( email/fax ) because Cardinal hadnt entered the 2 policies into their systems as stated by the previous representative ( the new annual policy and the policy that covered the lapse ). On XX/XX/2021, I received a letter stating that Cardinal had purchased insurance to protect their interests in the property. As a result of debiting my mortgage to pay for insurance that I did not need and shown that I already had ( three time prior ), Im concerned that Cardinal will withdraw this amount from my mortgage payment thereby creating an ongoing mortgage deficit to generate late payments + fees, as well as hurt my credit by misreporting on my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, I any and all late marks found on any of my consumer credit reports by the company should be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 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: TX

Complaint narrative:
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, I any and all late marks found on any of my consumer credit reports by the company should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: TX

Complaint narrative:
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, I any and all late marks found on any of my consumer credit reports by the company should be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: NJ

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the Fair Credit Reporting Act by your company. This has me caused financial injury, defamation of character and hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 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: NJ

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the Fair Credit Reporting Act by your company. This has me caused financial injury, defamation of character and hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I was originally a new customer with Citi Bank and only had the account opened for a few weeks and right after I got my second deposit from my job Citi Bank decided to close my account. Then went to inform me that they couldn't give me any other information in regards to why or even what happened to the account and that a check would be issued within 30-60 business days, I still have currently {$800.00} dollars in the account that I have absolutely no access to as if bills just stop and here it is 30 business days in and no new information, no check in the mail I'm pretty sure no check will ever come. I've called and tried to receive any updates and they keep hanging up in my face or putting me on hold, and also told me wait an additional 60 business days, I also tried contacting a branch to see if they had any info they could give but the bank manager answered the phone and straight up told me " Citi Bank picks and chooses who they want to bank with and it's not you " and hung up the phone in my face as well. At this point I'm out of options and I need to figure out how to get my money back from this fraudulent bank. I am not the first victim of this exact issue, this is something Citi Bank does on a regular basis I just wish I new before banking with them and trusting that my money would be safe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 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: NJ

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the Fair Credit Reporting Act by your company. This has me caused financial injury, defamation of character and hurt my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 I made reservations for the XXXX XXXX XXXX XXXX as a XXXX XXXX member. I was dissatisfied with the room Accomodations that were given to me upon arrival, I made a complaint with the Manager XXXX XXXX /Housekeeping supervisor at that time and I disputed the amount of {$100.00} through my bank on XX/XX/2021 overcharged for the inconvenience with the room accommodations upon arrival to the room and the housekeeping services not done accurately on XX/XX/2021 they reclaimed the charge of {$100.00} back to my bank account. This was not right and they were made of aware of the issues at the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
AUGUSTA COLLECTION AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has been sending me collection notices in the amount of {$410.00} XX/XX/2018.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: AZ

Complaint narrative:
About a month ago, a collection company started calling me every day abt an apartment I leased They said I owed {$2100.00} They never sent any written documents or emails, just calls They put the debt on my credit report and when I tried resolving it they wont let me do a payment plan They want to put everything on my credit card at once. 
The agent was forcefully threatening to not allow me resolve it again if I end the call to speak with my lawyer He was asking me to ask my credit card company for increased limit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: NY

Complaint narrative:
Dear Sir/Madam I am reaching out to you as I am left with no option for help as this debt collection agency has hit my credit score without even interacting with me and engaging with me. 

I had gone to XXXX XXXX XXXX XXXX ( DC ) XXXX XXXX XXXX  back in XX/XX/2019 for a minor XXXX XXXX. I had provided all my insurance details ( XXXX ) and the hospital confirmed that they have all my details and the insurance will take care of it. After 3 months I got a bill of ~ $ 2k which I was asked to pay- I immediately reached out to the hospital and they mentioned that the insurance didn't pay. I subsequently reached out to XXXX XXXX  and they mentioned the hospital filed a late claim ( past the claim window ) but subsequently they did take a look and paid ~ $ 1k which they believed was what the hospital owed. I got a verbal confirmation from XXXX that everything is settled. 

Now 2 yrs later, I get this multiple chases from this debt collection agency ( Aargon Collection Agency, details below : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX Tel : XXXX Fax : XXXX XXXX XXXX XXXX XXXX  ) saying I owe them ~ {$400.00} from back then, I respond to them in a detailed email citing the history and ask them to sort it with the hospital. Instead they make a derogatory mark on my credit score and refuse to take it out while I am still interacting regularly with them. The agency also mentioned that they haven't yet spoken to all parties ( insurance, hospital etc ) but want me to pay up and refuse to take out the derogatory mark. This is extremely frustrating as I am an extremely disciplined person with respect to payments and have never missed a payment in my entire lifetime. This case is an inaccurate payment which I am not required to pay and I would appreciate if you can help me on this. 

I have been requesting them to take the mark off while they investigate and speak to both the insurer and the medical company but Aargon agency has refused to do that. This case is an inaccurate payment which I am not required to pay and I would appreciate if you can help me on this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime closed my account and claimed they sent my funds back I have been waiting 4 months and my funds were never received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I DID NOT OPEN NOR AUTHORIZE ANYONE TO OPEN THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE DELETE FROM MY CREDIT REPORT. I HAVE ATTACHED A COPY OF A ID THEFT AFFADAVIT PACKET & POLICE REPORT. I HAVE ALREADY SENT THESE ITEMS TO THE CREDITORS OVER 35 DAYS AGO. TRANSUNION IS THE ONLY BUREAU TO NOT HAVE DELETED THESE ACCOUNTS YET.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NV

Complaint narrative:
I have a mortgage with United Wholesale Mortgage ( UWM ). My loan number is XXXX. I work for the federal government and have allotment set up to pay {$1100.00} every two weeks. UWM constantly changes the bank routing number and does not tell me. This results in me getting late notices. I have called UWM at least 100 times over the last year and they are incapable of doing their job. Please help me. XXXX XXXX, phone XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
AUGUSTA COLLECTION AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has been sending me collection notices in the amount of {$2500.00} XX/XX/2018 2.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I reported an incident with Trans Union days earlier regarding their inability to correct my name and other personal information contained on my credit report, this is after numerous complaints and providing proof ( DL-Real ID, SSN ) with the correct information. Instead of them making the proper corrections they have instead chosen to block my credit report ( again ) please note : this was one of the FIRST reasons that I reported this issue to your agency. It was corrected, but here we are yet again. This issue has caused me DAMAGE since Ive been denied access to housing which I more than qualify to be approved for. This is only the first step of documentation. Trans Union is now going to have to resolve these issues in front of a Judge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
ON XX/XX/2021 AN AGENT WITH CHASE BANK IN CUSTOMER CLAIMS REVERSED PORTIONS OF TWO PAYMENTS THAT I HAD PREVIOUSLY MADE. 
( PLEASE SEE ATTACHMENTS ). 
BOTH CLAIMS TOTALED {$1.00}, XXXX  CENTS. 
I DID NOT AUTHORIZE THE REVERSALS. 
THERE ARE GUIDELINES FOR MAKING A CLAIM. A CUSTOMER CAN NOT MAKE A FRIVOLOUS CLAIM JUST BECAUSE! THE AGENT WHO DELIBERATELY MISHANDLED BOTH CLAIMS SHOULD BE REQUIRED TO GIVE PROOF. THE TWO PAYMENTS THAT I MADE WERE TO PAY OUT " XXXX XXXX, '' AND " XXXX XXXX XXXX. '' I WOULD HAVE NO REASON TO MAKE A DISPUTE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/2021, I experienced an issue with my mortgage payment. As a result, I failed to make the month 's payment, but upon notification, I paid it immediately and kept the mortgage current. 

In XXXX of XXXX1, I we served a legal notice unrelated to this issue by my ex-wife. In the document, reference was made to my payment history, including the event mentioned above, as well as the exact payoff, etc. This contemporary information would only be available with access to my account. I realized then with Suntrust 's automated phone system, with my social security and property zip code, anyone could access my account for protected financial information. This access is available to my employer, creditors, educational institutions, and any other entity with access that data. 

In talking with Suntrust, they stated there is nothing they could do to resolve or prevent future access by any unauthorized person. I even offered a current post office zip code which is different, but they stated it had to be the same as the property location. The customer service representative told me not to worry that many people have this problem. After demanding to speak with a manager, he stated he would research it and contact me today. I have not heard from them and my personal information remains exposed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-12-22 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: VA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: VA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2021-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
ON XXXX XXXX, my car was totaled by another driver that hit me. Her insurance contacted ALLY FINANCIAL on XX/XX/XXXX to request a letter of guarantee. Ally claimed they needed more documentation. On XX/XX/XXXX the documents were faxed to them. We have a confirmation page. On XX/XX/XXXX we had to call Ally to check the status of the letter and they stated they did not receive the documents. The insurance agent faxed the documents again. This time Ally claiming they received the documents and it will be XXXX business days. XXXX contacted Ally again on the XX/XX/XXXX to check on the letter and the said they were going through system change and it would be another XXXX business days. Meanwhile my husband and I have contacted Ally to find out what is the hold up, due to we are having to still make our payments and do not have a vehicle. My last attempt was on today XX/XX/XXXX and the loss department informed me it will be XXXX business days. They have not gave me any answer to the letter and are telling me false timelines. They have treated me very unprofessional and this has put so much stress on my husband and I. At one conversation with the loss department ( XXXX ) customer service said we will not get our letter before XXXX. I feel like Ally has took advantage of us by continuing to add interest and late fees.

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