vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sold my home earlier this year with the transaction closing on XX/XX/XXXX. All balances were settled at closing including all escrow items. Therefore, my mortgage company, Truist Home Mortgage, was supposed to refund me the escrow balance of {$4300.00}. To date, I have not received this balance due to me. I have attempted to resolve the issue 3 times, 2 by phone ( XX/XX/XXXX and XX/XX/XXXX ) with customer service and once at a branch ( XX/XX/XXXX ). 

-The original check allegedly sent never arrived. On XX/XX/XXXX, customer service said they would stop payment and reissue the check. 
-On XX/XX/XXXX, the reissued check arrived badly damaged and possibly tampered with. 
-On XX/XX/XXXX, I brought the check to a branch and was informed that they could not deposit the damaged check. They agreed to contact the mortgage escrow department and have the check reissued. I requested that the bank find another way to deliver the funds ( issue a check in branch, send express mail, wire transfer ). I was told the escrow department had to issue a check for accounting purposes, but if there is a problem next time, they will look into it. I requested this be expedited as it had been over a month since closing. 
-On XX/XX/XXXX, I called customer service to complain after having not received a new check and requested to speak with a manager. The bank rep said a complaint was generated and a manager would call within 48 hours. That time has lapsed and I dont have my money almost 2 months later. 

What is particularly galling is that everyone I spoke with from Truist made a point of saying it is not their fault what happens in the mail. However, it is their fault that they were repeatedly notified of the problem and failed to adjust how they deliver my money some other way. 

I also note that it says on the damaged check envelope, Mortgage - Cash Operations notifying criminals that there are funds in the envelop. 

Please help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: IL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Synchrony is using deceptive practices to manipulate and negatively impact the credit score of borrowers. They offer you credit. You use it, make all payments on time and adhere to the terms of the agreement. Then they slash your limit, which impacts your score. Then they close your account, without warning and again your score is negatively impacted. Im never going to be able to improve my credit with companies like Synchrony bank taking advantage of consumers. Im SO MAD!!!!

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 2023-07-13 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:
XXXX XXXX XXXX Account # XXXX verified as accurate. How is this account accurate if the term duration is in accurate, as well as high credit amount, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. Any automated response, or E-Oscar verification is unacceptable. I am requesting your method of verification according to the XXXX XXXX Compliance standards. This listed item is entirely inaccurate and incomplete, and must be deleted.

15 U.S.C. 1681 ( A ) ( 4 ). - I have the right to privacy.

15 U.S.C. 1681b ( A ) ( 2 ) - Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681i ( 5 ) ( I ) -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if the item is found to be inaccurate/incomplete it must be deleted.

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 2023-07-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Viewed credit report and it shows that XX/XX/XXXX payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/XXXX. A payment is {$250.00} was paid on XX/XX/XXXX, at XXXX XXXX confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/XXXX, at XXXX XXXX confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXX XXXX he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Also, all dates listed need to reviewed. Current payment history XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late Previous reported payment history XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - Current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: DISCOVER BANK
State: PA

Complaint narrative:
I am not liable for any of th accounts listed I do not have contracts with these companies and they did not provide me with original contracts as I requested I reported them as fraud it is way over 30 days since last contacting them below are the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I am not liable for any of th accounts listed I do not have contracts with these companies and they did not provide me with original contracts as I requested I reported them as fraud it is way over 30 days since last contacting them below are the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: TN

Complaint narrative:
On XX/XX/2023 I sent off a letter to Equifax asking for my accounts to be looked at for accuracy and completeness of accounts. You can see the attachment to view the accounts I requested to be re-investigated. It is XX/XX/2023 and I have not heard anything from Equifax about the re-investigation that was only supposed to take 30 days to complete. These inaccurately reporting items are causing me a great amount of stress and XXXX  due to me being in the process of trying to buy a house. Equifax has failed to do a timely investigation on my account as well as notify me that any of my accounts are under investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: GA

Complaint narrative:
On XX/XX/2023 and XX/XX/2023 both times I sent them a copy of my drivers license and social security card to update my name to my current name XXXX XXXX XXXX. Every time I send them something they continue to change my name back to XXXX XXXX XXXX. I have sent this to them 3 times ( 1 ) last year. I called the other day and spoke to someone named XXXX he claimed they had no such record.

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 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Company started misapplying trustee payments in 2018 I tried to get the 200 % annual escrow balance fixed as payments are split from whole payment to P & I and escrow. I wanted the overage applied to payments. 
They denied errors, while their own records show overages for 4 years. In fact because XXXX XXXX got the trustee payments and Cooper collected monthly payments Cooper lost all of my trustee payments. 
This caused 2-3 unneeded additional agreed arrears being added to my plan payments, then a dismissal. 
I was charged for BPO and recived a copy. They were going to foreclose on me even when I had a grant they would not even consider the possibility there was error. But there was. 
I deserve compensation for these actions attached more detail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: TN

Complaint narrative:
I have disputed these accounts for several months and I have not gotten any responce...

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 2023-07-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
BankruptcyXXXX  Case Number : XXXX Please remove it from my credit report. 
2. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
BankruptcyXXXX Case Number : XXXX Please remove it from my credit report. 
3. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Previously, in complaint number XXXX, I complained about Synchrony Bank XXXX interest charge on my account in XX/XX/2023. Their response was to credit my account with {$14000.00}, which appeared on my statement as a " credit balance '', A short time later, I sent Synchrony a letter asking that they close my account and send me a check for the credit balance. I received a response from them stating that they had closed my account, but that I would continue to receive statements because of the credit balance. No information was given on how to recover my credit balance. Since the account was closed and the credit cards destroyed, I could see no way to get my money back. 
It is now XXXX and Synchrony has sent me additional routine statements showing the credit balance, but offering no mechanism for a refund. 
I would like my money back in cash, check, or electronic transfer. Since they have withheld my money for over XXXX months for no legitimate reason, it would only seem fair that they pay me interest on it. I will settle for 1 % per month for the XXXX months, which is less than half of their APR of 26.99 %. {$140.00} x XXXX = {$730.00}. 
Thank you for your prompt attention to this matter.

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 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The parish government refunded me for grass liens that was mistakenly charge to my 2020 tax bill. The tax bill was paid by my mortgage provider Navy Federal Credit Union from my escrow account. The check was issued by Navy Federal Union Credit Attorney XXXX XXXX XXXX. Since the grass liens payment was paid by XXXX XXXX XXXX the refund check was issued to XXXX XXXX XXXX. The local government gave the check to me, then I mailed the check to XXXX XXXX XXXX XXXX Navy Federal Credit Union 's instructions. Navy Federal Credit Union said XXXX XXXX XXXX would send the funds back to Navy Federal Credit Union. Then the funds would be credited to my escrow account. Well, the payment has yet to by credited to my escrow account, and when it does get credited the funds will be excess the legal amount to be held in my escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Notice of Agent I was Denied a loan application which is against the equal credit opportunity Act, I'm granting the company the right to extended credit to me therefore they have no right to deny a natural person. I am not a borrower and and I am credit worthy, further more my credit was used and I received no benefit from the use of my credit, an inquiry was placed on my consumer report which is a receipt of transaction meaning someone was paid off of my credit and I received no benefit at all ; in fact damages have been done from the denial of my rights mentally and financially. I have been discriminated against in pursuant of my right to receive credit 15 U.S.C. 1691 ( e ) ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class. there is no law for reason of denial, for the damages that have been to my mental distress and financial reputation as I take my consumer report and life seriously. I will take this to a further federal level if my request to open an account in which an adverse action has taken place is not granted. I'm aware of my open ended credit plan and my right to contract unlimited without being denied, I demand your company reinvestigate this matter and abide by federal law and open up the account in which I have extended 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 explanation
Consumer complaint received 2023-07-13 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: TX

Complaint narrative:
I don't have any idea about these accounts. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX  XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo bank has been notified that my account has been fraudulently charged and they refuse to resolve the situation. I have reached out to the fraudulent merchant, made a claim with wells fargo, made a police report due to the identity theft, Filed a complaint with the FTC, and will be obtaining a lawyer. Wells Fargo and XXXX XXXX are allowing people to be scammed and fraudulent purchases to be made and they are not holding these people accountable nor are they resolving the issue as far as the legal right to a chargeback.

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 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 
Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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