vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
A balance due of {$180.00} appeared on my credit report in XX/XX/2020. I have disputed this twice through the credit bureaus as I have no knowledge of this account or the balance due. IC Systems simply responded that it meets FCRA Requirements. I have no idea what this charge is for. I never received a bill or communication in the mail, it just appeared out of no where on my credit report. I require proof be provided that this balance due belongs to me. I also require the delinquency date and that this be removed from all three credit bureaus for failure to provide proof that this is my bill and for failure to notify me by mail before reporting to the credit bureaus.

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 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
1. the loan was paid off on XX/XX/XXXX 2. after not having the mortgage discharged with the Registry of Deeds ( the payoff amount included the " recording fee '' ) and not having mailed it to me either, I called LoanCare customer support on XX/XX/XXXX. They told me the discharged will be processed and the turnaround time is until XX/XX/XXXX. 
3. On XX/XX/XXXX, after not seeing the mortgage either discharged with the Registry of Deeds or mailed to me, I e-mailed the customer support. The automated response assigned the inquiry as follows : " Release Loan Satisfaction Inquiry ( Ticket # XXXX ) '' 4. as of today, XX/XX/XXXX, I haven't heard back from them. 
5. In Massachusetts, XXXX. Chapter XXXX, Section 55 requires the lender to discharge the mortgage within 45 days of receipt of full payment of the loan. Failure to comply within the 45-day time-frame subjects the lender to penalties in an amount equal to the greater of {$2500.00} or the actual damages sustained by the mortgagor as the result of the failure, together with reasonable attorneys fees and costs 6. as of today, XX/XX/XXXX, LoanCare is already in violation of M.G.L. Chapter 183, Section 55

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 2020-08-26 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I FILED A DISPUTE OVER CHARGES THAT THIS COMPANY SWINDLED ME OUT OF XXXX. XXXX XXXX LIED TO THE BANK SAYING THERE WAS A PARTICULAR TIME FRAME TO GET A REFUND.I WOULD LIKE MY MONEY BACK AFTER THEY CANCELED MY XXXX OUT OF NOWHERE. 
I MADE A XXXX DOWN PAYMENT ON XX/XX/2020 AND THE FINAL PAYMENT WAS TO BE MADE 15 DAYS BEFORE THE XXXX WHICH WAS XX/XX/XXXX. I HAVE BEEN TRYING TO CONTACT XXXX XXXX SINCE XXXX AND SHE HAS NOT ANSWERED MY EMAILS AND TEXTED AND I HAVE PROOF OF THIS. THE AUTOMATIC SYSTEM CONTACTED ME SAYING MY XXXX WAS CANCELED. I CALLED XXXX XXXX AND THEY TOLD ME XXXX WAS SICK FOR 3 WEEKS! NO ONE FROM XXXX XXXX INFORMED ME SHE WAS SICK AND DID NOT DO THE PROFESSIONAL THING TO LET ANOTHER TEAM MEMBER HANDLE HER ACCOUNTS NOT EVEN HER MANAGER DID THE RIGHT THING TO GET THE PAYMENTS FROM ME. THEY ARE REFUSING TO REFUND ME BECAUSE IT WAS PAST THE 15 DAYS BUT HOW IS THIS IS POSSIBLE WHEN I WAS NEVER INFORMED INITIALLY THAT SHE WAS SICK. I HAVE ALL THE PROOF I WAS TRYING TO GET A HOLD OF HER BEFORE THE 15 DAYS BEFORE THE XXXX. THIS PLACE NEEDS TO BE SHUT DOWN FOR SCAMMING PEOPLE. I WAS FLYING ALL THE WAY FROM NEW JERSEY FOR THIS XXXX. I AM OUT OF XXXX AND A PLANE TICKET! SANTANDER DID NOTHING AND JUST EXCEPTED THEIR LIE ON WHY I SHOULD GET MY MONEY BACK. I WILL BE CLOSING MY ACCOUNT AFTER THIS FOR THE VERY POOR CUSTOMER SERVICE AND PROTECTION ON YOUR CLIENTS.

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 2020-08-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-08-26 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
When covid 19 started I contacted Chrysler about payment assistance due to covid. I explained my increased expenses due to covid and Im a state employee on furlough for a year. They told me I was approved for the program and not to pay my bill. This is what I did and they reported me late. My dad is a co-signer on my car and reported late on his impeccable credit report. His credit score dropped 20 points. 

I called Chrysler several times between XXXX - present asking them to fix this. I have even written a letter to the address they told me to send it to. 

I also open a credit report inquiry with XXXX. It came back with no change. 

This is not fair at all. I know the Chrysler system shows my calls, approval for the program Ect. This needs to be corrected on my credit report and my dads. 

I will continue to pursue this to the highest levels until resolved. All agencies that dont assist in the resolution will he named. If needed Ill bring this to the news media. 

Stop taking advantage of people during covid! 

If you publish this remove my personal information or youll have a lawsuit on your hands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Ive sent several debt validation to this company and they fail to reply. This debt is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: TN

Complaint narrative:
AFTER DISPUTING THESE ACCOUNTS MANY TIMES WITH THE CREDIT COMPANY THEY HAVE FAIL TO REMOVE THESE ACCOUNTS THAT DOES NOT BELONG TO ME

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 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/2020, the Bank of America Mortgage Dept withdrew two payments from my checking account, each for {$1700.00}. However, I confirmed with my mortgage lender that only one payment was due. When I tried to call Bank of America, they told me to wait until the following week to call back, since they had a " system crash ''. 

I called on XX/XX/XXXX. In that phone call, they admitted that the second withdraw of the {$1700.00} was a mistake, and that they would reverse the payment by XX/XX/XXXX. But that date passed and they did not reverse the payment. So I called again on XX/XX/XXXX. On XX/XX/XXXX, they said that they would reverse the payment soon, but it may take another 7-10 business days. 

On XX/XX/XXXX, I went to a Bank of America location to ask for help, and they said that they'll work on it. It has now been 18 business days since the original withdrawal, and Bank of America has still not refunded me the {$1700.00} that they owe me ( by their own admission ). Neither has it issued me a provisional credit. It has taken no action to resolve the issue.

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 monetary relief
Consumer complaint received 2020-08-26 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: Avant Credit Corporation
State: TN

Complaint narrative:
This credit card account is showing negatively on my credit report when it is a fraudulent account that I never opened. The address on the account is not an address that I have ever own and this account is constantly being verified when it is impossible to verify something Ive never applied for or had in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Zelle suspended my account without any cause while I was banking with XXXX XXXX and wont let me reenroll my email with another bank. I think this was motivated because of my ethnicity and last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX collected a debt via garnishment from my bank account on XX/XX/20 in the amount of {$1300.00}. This debt was originally for a XXXX energy debt, and the garnishment from my bank account satisfied this debt. 

However, the collection agency run by Ms. XXXX also had a garnishment placed against my state tax return, which they failed to release after the debt had been satisfied on XX/XX/20. 

As of the writing of this today on XX/XX/20, the state tax return garnishment has still not been released, therefore {$900.00} owed to me by the state has been held up wrongly because of the inaction of this collector to release the garnishment. 

I have contacted the office on several occasions, most recently on XX/XX/20 at which time it was verified that the debt was indeed satisfied but that they " somehow failed to '' release the tax garnishment. However, I contacted the state of Michigan treasury today, and they still have not received the garnishment release. 

I would like action taken against XXXX XXXX XXXX XXXX, XXXX for causing harm to myself and my family by failing to release this garnishment and thus preventing my state tax return from being rightfully sent to me. This has caused my family finacial harm during this very difficult season. We need this money and it should have come 6 months ago. XXXX XXXX XXXX XXXX should be held to account for this egregious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am filing a complaint against SEQUIUM ASSET SOLUTIONS , LLC, as I have made MULTIPLE attempts to rectify this account, as well as request debt validation, and the company has made no attempt to provide validity of the debt. I have requested a contract stating the amount owed as well as a surety of facts with a reasonable investigation and the company has failed to respond to any request. 

My request was delivered to the company on XX/XX/2020 and it is now 40 days since then and the company has yet to respond. 

Account - SEQUIUM ( Original Creditor : 11 XXXX XXXX ) - Account Number - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX {$730.00} XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX {$570.00}

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 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX {$730.00} XXXX  XXXX {$280.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXXXXXX {$570.00}

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 2020-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
For some time now I been trying to contact this company to come to a fix of some information that its showing on my credit report. 
Unfortunately, about 3 1/2 years ago, I was in a financial dilemma due to family member loss and health issues. As a result 7 of my payments to you were delayed and repossession of the vehicle. Because your account with me is extremely important I managed to borrow the money to cover the late payments and get the vehicle back. I paid those payments on seven occasions including repossession costs but I made sure to fulfill my obligation to ensure that the company suffered no loss. 
By the way when my card got repo I was told that it won't show repossession on my credit repost, my error was to believe in what the company told me and not ask for proof, which was all a lie. The company still reported including the late payments. 
Sent goodwill letter and for the last 4 year I haven't missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Due to an identity theft issue I contacted all 3 credit reporting companies to freeze my credit.I had no problem placing a freeze at XXXX or XXXX  using their website. After opening an account online with Experian I applied for a credit freeze using the form on their site. I was told that they couldn't activate a freeze with the info I gave them even though I had no issues with the other 2 companies. Tried calling & got sent to their automated Freeze center which told me I had to mail in all sorts of personal info including my SS #, drivers license copy, ect. 
Not only is mailing this info dangerous but it needlessly delays activating a freeze. The Experian website is set up to make the free services that they are required to offer as difficult as possible while trying to sell you services & upgrades you don't want.

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 2020-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-08-26 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: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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:
This credit card account is showing negatively on my credit report when it is a fraudulent account that I never opened. The address on the account is not an address that I have ever own and this account is constantly being verified when it is impossible to verify something Ive never applied for or had in my possession.

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 2020-08-26 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: TN

Complaint narrative:
This credit card account is showing negatively on my credit report when it is a fraudulent account that I never opened. The address on the account is not an address that I have ever own and this account is constantly being verified when it is impossible to verify something Ive never applied for or had in my possession.

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 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I contact mortgage company PHH/XXXX XXXX XXXX on XX/XX/XXXX and was given instructions on how to get a payoff on my Shared Appreciation Mtg. On XX/XX/XXXX I sent all the documentation requested in the manner in which I was instructed. On XX/XX/XXXX I called customer service to confirm they received my paperwork. They confirmed that it was received and that my payoff would be faxed in 2-4 business day. On XX/XX/XXXX I called again since nothing was received and I was advised that it was scheduled to go out and that I would have it by XX/XX/XXXX at the latest. 
Needless to say it still has not been received. I called again this afternoon and spoke with an escalation manager who was to contact the Pay Off Dept. but could give me no further information. My closing, on the sale of this house is XX/XX/23, BUT the purchase of my new home is contingent upon showing the seller that I will have the necessary funds from my sale to purchase. They need to see the settlement statement in rough form showing the payoff etc. I am at the end of the period with less than 48 hours to go before I lose the house I wish to purchase. I do not understand why it takes 3 plus weeks to obtain a payoff on a mortgage. Please help.

Company response to consumer: Closed with explanation