vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 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: TX

Complaint narrative:
XXXX ; XXXX  and Transunion should not be reporting a collection in the amount of {$5600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am negotiating a settlement with XXXX and therefore XXXX XXXX should not be reporting this account. I have attached documentation for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-09-11 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX should not be reporting a collection in the amount of {$5600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am negotiating a settlement with XXXX and therefore XXXX XXXX should not be reporting this account. I have attached documentation for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
I am writing to express my continued disappointment in Loan Depot 's inability to appropriately manage my escrow account. This is a failure that originally occurred with last years analysis, was corrected following weeks of explanation, only to occur again with the 2020 escrow analysis. At this stage, Loan Depot has failed to remediate the issue and has ceased all communication ; hence my escalation to you. 

Below is a summary of the issue : - My property sits on two separate lots of land ; one in XXXX XXXX, the other in XXXX XXXX. As such, Loan Depot manages two separate tax lines for me - My semi-annual tax liability for the XXXX XXXX real estate [ XXXX and XXXX ] is in the amount of {$1800.00} which is accurately reflected on the escrow statement dated XX/XX/2020 - My semi-annual tax liability for the XXXX XXXX real estate [ XXXX and XXXX XXXX is in the amount of {$2.00} which is erroneously stated as a {$1800.00} projection in each instance on the escrow statement dated XX/XX/2020 - It appears as though the XXXX XXXX tax liability has been doubled, resulting in a substantial escrow shortage and even more substantial monthly escrow deposit amount increase each month thereafter - As noted above, this is the second consecutive year this has happened - On XX/XX/2020, the new mortgage payment, including the recently analyzed escrow amount, was withdrawn from my account in the amount of {$2200.00} [ up {$360.00} from previous months ] - On XX/XX/2020, a written complaint was sent to Loan Depot expressing my disappointment in their ability to appropriately manage the two tax lines, requesting an immediate reanalysis of my escrow accounts and a refund of the XX/XX/2020 payment overage - On XX/XX/2020, I received a voicemail from a supervisor at Loan Depot who simply read the details of the escrow analysis to me before stating that the complaint was considered closed ; it clearly is not - On XX/XX/2020, I called Loan Depot to escalate the complaint. They stated a manger would call back within 24 hours. This has not happened to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
In XXXX I was contacting the Central States Recovery, XXXX KS, company for the first time, I spoke with XXXX XXXX and I was asking them about the debt I had of XXXX with XXXX XXXX XXXX XXXX I was told that if I didnt start a payment plan with them I can face possible charges and was asked to give my bank account information so they can pull the payments out directly or the debt was going into an attorneys hands, I refused to give them my account information but I told them I will call them back with a payment. I felt I was forced to start a payment plan, that I could not possibly obliged by due to the Covid 19 and my job cut out my hours. After a few months on XX/XX/2020, I called and I spoke with XXXX XXXX again, and I asked if I could just pay half of XXXX as a lump sum to remove my account, she told me no and said, you need to start a payment plan with us, because XXXX XXXX ( original collector ) is already handing the debt to an attorney and they are preparing to file a suit against you. I have not received  any paperwork of a lawsuit happening, but the mental distress this has caused my family. We are dealing with financial hardship and the threats of being sued in this vulnerable time and the way this company treats and talks to us, knowing Im going through hardship. I felt I must report them because this company threatens to sue so easily in order to get a person into a payment plan that is to expensive to afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: MA

Complaint narrative:
This is my second complaint for XXXX  and Equifax. I tried to fix it within the credit bureau with no luck and no help from XXXX  or Equifax. XXXX XXXX DID fix it.

As you can see by the attached report, XXXX and Equifax has me as having 3 late accounts. This has hurt my credit and shows up when it is pulled by a lender. XXXX repeatedly just says a bankruptcy stays on your credit. This isn't about that, I under stand that. This is about XXXX and Equifax saying that I have negative, lates from XXXX XXXX, XXXX, and XXXX. None of those accounts were late, those companies said that no late payments were every submitted. Yet, XXXX  and Equifax has my report showing late payments. All they did was to send out a dispute to those companies, rather than fix their internal error. They must be doing nothing more than assuming they were late, since, again those companies never reported late payments. Those were included in a chapter XXXX bankruptcy, however the loans with XXXX and XXXX XXXX were always paid, on time and outside of the bankruptcy and paid in full. I have the titles to both cars. XXXX was also included and received an agreed payment through the courts to settle the debt. No late payments were made to XXXX up to the day it went to receiving court payments. 

Finally, XXXX sent me a report of their resolution, but none was made. Funny how they can say this is done, when I got a call from XXXX XXXX yesterday saying they were actually trying to help me. Also, XXXX included a credit report showing the accounts before and after they " updated '' them. The ONLY thing that they changed was that these 3 accounts, which were supposed to fall off my credit in XXXX, NOW fall off in XXXX. How can they extend how long these stay on the report, unless punishment for reporting their error to the CFPB. They did nothing more than make the situation worse. 


Isn't it some kind of fraud to put false information on a report? 

Attached you can clearly see where the XXXX   and Equifax report shows 3 false late 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank has been holding {$8700.00} since XX/XX/2020 after having froze all of my accounts, giving me absolutely no access to transact on my accounts and on XX/XX/2020, made the decision to close all of my accounts and return the funds. 

The reason for this was because these particular funds were direct deposited on behalf of my former roommate, who appeared with me in person, verified their identity by showing an NYS State ID, a US Passport, and Documents from the NY Dept of Labor therefore  authenticating their identity and the validity of these funds. 

Despite successful verification, TD Bank called me back after a 3 day review to tell me that they were going to close all of my accounts and return these funds back to where they came from. Prior to this unresolved matter which has now been ongoing for 2 months and 2 weeks, I was told and instructed over the phone by the TD Bank  Fraud Dept to show up in person with the individual who is claiming ownership of these direct deposits, so that they could be verified and the accounts could be brought back to a normal status. 

This account freeze had caused me to suffer the entire month of XX/XX/2020, since my direct deposit comes from the XXXX XXXX XXXX   on every XXXX of the month. TD Bank rejected my monthly direct deposit on XX/XX/2020, which ultimately put me in a situation where I had to wait an additional 3 weeks to receive my monthly benefits, and delayed me accessing my retirement benefits until XX/XX/2020. 

It is now XX/XX/2020, and TD Bank has not returned the funds to the NY Dept of Labor because my roommate is well aware that TD Bank still has the funds sitting in a frozen checking account under my  name, which they have NOT closed and issued a check for. I have attached my most recent checking account statement, which proves TD Bank had left this matter ignored after closing my savings account and rejecting my direct deposit. 

My close friend would like her funds returned to her immediately and does not want to have to endure any more punishment, considering TD Bank has left these funds inaccessible to her for more than 2 months, although she is a now a client of TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: CA

Complaint narrative:
I closed this account and it is still showing open and reporting to credit bureau as open. This account is closed because they kept lowering my credit limit using false information.

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 2020-09-11 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: CA

Complaint narrative:
I closed this account and it is still showing open and reporting to credit bureau as open. This account is closed because they kept lowering my credit limit using false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Financial Asset Management Systems Inc
State: SC

Complaint narrative:
On XX/XX/2020, I received a letter from Financial Asset Management Systems Inc. ( FAMS ). FAMS was requesting money from student loan account that has been paid off. I contacted the company via phone on XX/XX/XXXX to discuss this request. I spoke to XXXX XXXX on this day. XXXX stated that FAMS acquired this account from XXXX XXXX XXXX and that they report to XXXX XXXX XXXX about money collection. FAMS stated that they had attempted to contact me. ( My address hasn't changed in years. My phone number has been the same for over a decade. ) She stated that she would make sure a copy of the master promissory note was sent to me via mail as confirmation of the requested money. I requested to speak to a manager so I could have peace of mind about the proof being sent to me. I spoke to XXXX XXXX, she stated that she would request a master promissory note from XXXX XXXX XXXX and then send it to me. I sent a letter to FAMS requesting validity of the requested money. I sent this letter on XX/XX/2020 with a certified mail receipt. 

I contacted the XXXX XXXX XXXX XXXX XXXX ( XXXX ) to verify this debt. The XXXX stated that XXXX XXXX XXXX ( XXXX ) has that account and that it was no longer in the XXXX possession. I called XXXX  to get proof of the account. XXXX  has not ever serviced this account. I asked XXXX  to search for me through social security number. They were not able to provide me with any reference to an account. 

FAMS never sent documentation of proof for the requested money. I requested proof via phone and via letter. 

On XX/XX/2020, my credit account was flagged because FAMS submitted the account as a collection. On XX/XX/2020, my credit score decreased 103 points. 
On XX/XX/2020, I disputed this on my credit report. On XX/XX/2020, the agency reported that the information was accurate. 

I contacted FAMS on XX/XX/2020 about them reporting this account to the credit bureau. Also, I told them I did not receive the proof of the account. I spoke with XXXX XXXX. She wasn't able to assist me so I requested to speak to a manager. I then spoke with Mrs. XXXX. Mrs. XXXX stated that she didn't know what happened to it being mailed to me. She stated client services will send the documentation of proof. 

I haven't spoken to FAMS or received any documentation from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. On XX/XX/2020, I submitted a complaint with the CFPB but you stated that it wasn't me. This is unfair! I've been working so hard to correct the wrongdoings on my report. I have now submitted two forms of identity for verification. Please take my complaint seriously. It's almost been three months and I still haven't received a response. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.

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 2020-09-11 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:
I have an account with XXXX XXXX XXXX XXXX partial account number XXXX. This car was totaled on XXXX. I have GAP insurance on the car covering any difference between the total appraisal and balance owing. Because of the delay in processing this payoff, the account is showing a 30 day delinquency for XXXX. 

The GAP agreement provides that the total balance due at the time the vehicle is totaled is what is covered. 

I disputed this with the three credit bureaus to have this late payment removed in that it is not my fault and completely the liability of the lender and their processing of paperwork.

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 2020-09-11 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Good Afternoon, My husband and I both ( XXXX and XXXX XXXX XXXX ) received a letter from Synchrony Bank dated XX/XX/XXXX. It was a credit program with XXXX XXXX XXXX. My husband and I for one do not own a house and do not know what these people were selling, we have not had any contact with anyone, We are trying to improve our credit, not make it worse. I XXXX the company and it is some kind of XXXX outdoor Living. 

Can you please help, this is the information on the upper right hand corner XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx 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 2020-09-11 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: CA

Complaint narrative:
I closed this account and it is still showing open and reporting to credit bureau as open. This account is closed because they kept lowering my credit limit using false information.

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 2020-09-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am having some serious issues with Experian Credit reporting. The two other agencies XXXX XXXX and XXXX have data about  my credit score, however for some reason Experian keep saying that I do not have enough credit history, and due to this I keep getting denied whenever I apply for credit cards. This is unfair to me and must be rectify. I did put a freeze on Experian due to some issue with falsification. When that freeze was in place I was able to have success with XXXX and XXXX XXXX. I was able to get back on board and I was doing very well with creditors such as my banks. As a matter of fact my issues were fixed. Now apparently any new credit check goes directly to Experian and I am getting denied all the time. This is a concern because I have young children to assist with schooling and without getting any approval will make things very complicated. Please look into this for me. 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 non-monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX, XXXX $ have call citi bank to know when im getting my funds but no reply

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 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XX/XX/2020 I log into my online banking with PNC and realized there was an deposit for {$460.00} into one of my checking accounts that was not suppose to be there. Immediately I contacted PNC customer service to explain that the {$460.00} that was posted did not belong to me. The online tell went back in fourth me explaining that there was no fruadulent action on my account and that the {$460.00} may just be a credit to my account. I inturn asked for it to be turned over to the fraud department. I was given a confirmation number. Upon hanging up I contacted the police. I was given a police report. I contuied to use my account. XX/XX/2020 I went to pay a bill and my account was in the neagitive for {$460.00}. I want to a PNC bank branch and was told the {$460.00} was no where to be seen in the account. Meaning it has no evidence of ever being there. I also spoke to the fraud department and was told the same thing. So basically it was there but wasnt there and I called to report it which the teller also seen it. But now my account is in the negative. I requested my account to be on hold. Because of prior issues weeks before that resulted in me closing one of my checking acounts down. Im not sure whats going on but Im very sure that fraud is the issue. Ive been with PNC bank for a few years and have never had these issues.

Company response to consumer: Closed with explanation