vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
I paid my car in full XX/XX/2021 with Mid Atlantic Finance. My payment in full was made a month early the supervisor that took my payment advised me I would be recieiving a paid in full letter along with payment receipt that reflects a XXXX  balance. She then explained I wouldn't be able to recieve those documents right then due to processing of the payment which would take 3-5 business days depending on bank, I used my debit card on file that is set up for automatic withdrawal that payment cleared almost immediately. However come Monday XX/XX/2021 I still havent recieved a email from the supervisor or anyone associated with Mid Atlantic I have called over 5x today, spoken with 3 supervisor that were EXTERMELY RUDE, they were not helpful and never sent me any emails even after repeately telling me I would after 5mins. I called back for the 6th time to finally speak with a supervisor that actually sent an email with an attachment however the attachment was nothing more than my payment history something I could see on the app The payment history still shows my monthly installment due to XX/XX/2021 nothing indicates the car is paid off. The supervisor did explain it would be 30 business days before I recieve my title, I have no problem waiting 30 business days for the title but i do have a problem waiting 30 days for paid in full letter or copy of reciept that reflects it was my last payment I am running into issues trying to trade in my car because it's simply showing I am still responsible for a payment and my car isnt paid off. Mid Atlantic Finance Company has by far the rudest customer service agents in the industry of customer service. They are not helpful, they are incredibly rude and just a horrible company to do business with. They charge {$6.00} when you make a payment, the only way to avoid the {$6.00} " service fee '' is to mail a check. The last supervisor I spoke with XXXX XXXX her email XXXX hung up on me while I was speaking and kept talking over me noy understanding my concerns externally unprofessional

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX Bank has violated all my consumer credit rights. Attached, are the documents I sent them, proving the facts, and my certified mail receipt copies. I am currently waiting for their response and resolution. They have 30 days to send me my remedy. 

On XX/XX/XXXX I sent them a Cease and Desist, Invoice for violations, Affidavit of Truth, and Exhibits. 

XXXX Bank is in violation of 15 USC 1692, 15 USC 1681, and 15 USC 1692K.

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 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
On XX/XX/2020 I deposited {$1000.00} check from my wifes checking account from another bank. 
Normally when I do this, {$100.00} is available immediately, and the other {$900.00} is available the next day. 
The next day, all {$1000.00} was showing as credit, and my mortgage payment showed as paid with a remaining balance of {$33.00}. 
All seemed fine, then at XXXX I tried to use my debit card and it was declined. 
I logged into my online bank and see that my balance is - {$860.00}. 
The bank is closed, so I have to deal with it the next day. 

The first thing I do is call the XXXX # because the branch isnt open yet. They say there was a hold on the check because my wifes bank refused the withdrawal, and they would need release documents from them to reverse the hold. 

My wife and I get the document from her bank, along with additional information that they NEVER refused payment on the check. 

We brought this information to a TCF branch location and spoke with a Bank Supervisor. 
She looks into the situation while we wait at the teller station. 
She returns, saying her Loss Prevention Supervisor said that my wifes bank reported insufficient funds. 
We showed her the paperwork proving that wasnt true, along with contact information for my wifes bank to confirm that the Loss Prevention Supervisor made a mistake. 

We were there over an hour- they wouldnt even TRY calling the other bank. Just said over and over they refused it. 
We left after they said they would continue to work on it and call us. 

In the meantime, we called my wifes bank AGAIN just to confirm AGAIN that they never refused the check, and they have no record of ever giving TCF insufficient fund information. 

When TCF called me later and continued to state that the other bank refused to pay the check and it is on a HARD HOLD until XX/XX/XXXX. 

Meanwhile, they sent my mortgage payment back and I had to go pay that in person. 
It was never resolved, and one year later I am still trying to get help with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: AZ

Complaint narrative:
My Loan Servicer ( Union Home Mortgage Corp ) paid my former and terminated previous homeowners insurance company ( XXXX ) with a payment XXXX requested a year after service has been terminated with them. I had refinanced my mortgage back in XX/XX/2020 and changed homeowners insurance to XXXX XXXX. Therefore my current homeowners insurance carrier ( XXXX XXXX ) was not paid and sent me a " Important Expiration Notice '' effect XXXX. I currently do not have any homeowners insurance coverage or proof of coverage as a result. 

I addressed this immediately upon receipt of my mail on XXXX by phone calls to my current homeowners insurance company, Loan Servicer and provided copies of all documents. 

One week later and the Loan Servicer is requiring me to request a Refund from my former Homeowners Insurance Company. 

As a courtesy I have provided copies, emails and phone calls to my former homeowners insurance carrier ( XXXX ) and current homeowner insurance carrier ( 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 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
On XXXX XXXX, 2017 and XXXX XXXX, 2017, LVNV FUNDING LLC added derogatory marks on my credit reports. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there was no written form of communication, contract or signature for those account debts at all. 
Please provide me with the following : Signature for those account debts at all. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on those accounts.

Show me that you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I want USAA to provide information concerning fraudulent accounts that are illegally procured without my permission and the Visa credit card has been destroying my personal identity. This was discovered by a Senior Banker that stated that USAA Fraudulent Department has admitted multiple Visa Credit Cards are currently been illegally opened by criminal individuals that are under investigation by the FBI that is located in XXXX XXXX, Texas. This was reported by telephone contact and the agency is involved in a criminal investigation of USAA Federal Savings Bank and Visa. Please provide written documentation to my mailing address within 3 business days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TX

Complaint narrative:
I am challenging the information with creditor indigo this creditor has several inaccurate information this is an unverified account. unverified items i have also challenged this creditor the high balance doesn't match XXXX shows {$670.00} others are blank last verified is missing for two bureaus XXXX  shows XX/XX/XXXX date of last activity doesn't match XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XXXX date reported is doesn't match XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX closed date XXXX shows XX/XX/XXXX others are blank why are the not showing the same two year payment history XXXX  shows nothing XXXX  is reporting and Equifax is not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TX

Complaint narrative:
I am challenging the information with creditor indigo this creditor has several inaccurate information this is an unverified account. unverified items i have also challenged this creditor the high balance doesn't match XXXX shows {$670.00} others are blank last verified is missing for two bureaus XXXX shows XX/XX/XXXX date of last activity doesn't match XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XXXX date reported is doesn't match XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX closed date XXXX shows XX/XX/XXXX others are blank why are the not showing the same two year payment history XXXX shows nothing Experian is reporting and XXXX is not

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 2021-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There is only one late payment back in XX/XX/2018 is still reflecting on all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX is reporting my date of birth wrong. The report shows XX/XX/XXXX which is incorrect. My accurate date of birth is XX/XX/XXXX. Due to this error there's a collection acc # XXXX in the amount of {$22000.00} that is showing in my credit file. I have asked EQUIFAX numerous of times to reinvestigate this account and each time I got nothing back with proof of investigation. There's also an address that is on my report that I humbly asked them to remove XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. I have never lived at the above address. There's also credit inquiries I did not authorize. My personal information such as disabled/retired is being exposed as well. I did not give my consent to have that information disclosed. I understand my consumer rights and wish to have all issues resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/2018, EOS CCA add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: CA

Complaint narrative:
There is only one late payment back in XX/XX/2018 is still reflecting on all three reports.

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 2021-03-29 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: LoanCare, LLC
State: MI

Complaint narrative:
The property was placed in forbearance under the CARES act and paid in full at closing. No payments were never late but it shows I was 60-199 days delinquent which is inaccurate. LoanCare LLC confirms this to be true. They reported it internally with XXXX XXXX based on the deferment and it's triggering XXXX XXXX and XXXX XXXX to believe that the payments were late. I need the " deferred status '' to be removed so that it shows no late payments.

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 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
US bank has taken many illegal overdraft fees from me. I have called them multiple times about this issue and nobody cares. I have multiple peers with the same issue, and they all have closed down their US bank accounts because of both my experience and their experiences. US bank purposely withholds funds from going through and doesn't properly show the correct banking balance in order to charge overdraft fees. I have the setting turned on to prevent this. They also wouldn't allow me to turn off a setting that transferred {$100.00} each week when I continuously turned it off. It would send my account into the negatives on purpose. US bank targets young college aged students because they think we are stupid, but evident illegal tactics are being involved. This illegal tactic has taken over {$1000.00} from me and they won't allow me to close down my account and file a settlement. I will continue to tell people to leave US bank to protect their funds until my problem is solved. All I know is I do not have the same problem with XXXX XXXX XXXX, they are a fair bank and way better than US bank who likes to cheat their customers out of money during COVID when everyone is already struggling financially. It makes me sick.

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 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
A credit card was taken out for XXXX that was closed out in 2019 with a balance of XXXX dollars. This is in collections with LVNV funding LLC. I have spoke with them on the phone and informed them that I wanted to report fraud and get this matter resolved so to remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: NY

Complaint narrative:
XXXX XXXX has violated all my consumer credit rights. Attached, are the documents I sent them, proving the facts, and my certified mail receipt copies. I am currently waiting for their response and resolution. They have 30 days to send me my remedy. 

On XX/XX/XXXX I sent them a Cease and Desist, Invoice for violations, Affidavit of Truth, and Exhibits. 

XXXX XXXX is in violation of 15 USC 1692, 15 USC 1681, and 15 USC 1692K.

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 2021-03-29 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: NY

Complaint narrative:
XXXX XXXX has violated all my consumer credit rights. Attached, are the documents I sent them, proving the facts, and my certified mail receipt copies. I am currently waiting for their response and resolution. They have 30 days to send me my remedy. 

On XX/XX/XXXX I sent them a Cease and Desist, Invoice for violations, Affidavit of Truth, and Exhibits. 

XXXX XXXX is in violation of 15 USC 1692, 15 USC 1681, and 15 USC 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank/Lane Bryant has violated all of my federally protected consumer credit rights. They closed my credit card account fraudulently, and without warning, or explanation. They fraudulently pulled my credit reports without my consent. I have been denied credit cards, and loans, due to them closing my account, and fraudulently putting inaccurate credit information on my credit reports. Pursuant to 15 USC 1692d, Comenity Bank/Lane Bryant has tarnished and abused my reputation with their fraudulent consumer reporting tactics. 

On XX/XX/2021 I sent them my Invoice for violations, Cease and Desist, Affidavit of Truth, and Exhibits via certified mail. They are attached in this complaint. 

I am currently waiting for their response/resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 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: SC

Complaint narrative:
I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I have been trying to get Select Portfolio Servicing inc to remove my PMI for years and they wont. They told me I had a late payment in XXXX when I did not. I accepted the federal forbearance program that they offered me because I was affected by XXXX. I went on a three month forbearance for which I paid off early. They are trying to say that I was late on my payments because I was on the approved forbearance program. This is ridiculous as I follow the contract to the letter of the law. I was never late and Ive made all my payments on time. I have more than enough equity to qualify to have my PMI removed. After further investigation with the XXXX XXXX XXXX I have noticed that this company pulls a scam with many of their clients. This company needs to be held accountable for all of their fraudulent acts.

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