vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Amsher Collections is trying to collect a debt that is not mine. I have contacted them numerous times to inform them of this error. I have never signed an agreement with them or the institution which they represent identifying this is debt attributable to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I been getting calls for a month from Loan Depot after asking them to stop calling my house more then five times. They keep saying they will put me on the do not call list but the calls keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Today I went to the TD Bank and tried to solve the problem with my business checking account and I called my banker XXXX XXXX, he was not on the desk and I had to run to the branch office in XXXX XXXX. New York. 

After I spoke to the Sales and Service Manager, XXXX XXXX XXXX, she re-opened my checking account and I deposited {$500.00} and paid {$95.00} for the penalty of lack of funds. 

The issue was caused by MrXXXX XXXX XXXX XXXX lack of knowledge to open the business checking account for me. 

1. XXXX XXXX didn't set up the security code for me when I opened my business bank account when I noticed the overdraft fees, I tried to call the customer service and I misunderstood the questions and provided my ATM pin code, therefore they locked my account for two weeks that ruined my online business, I can not accept online payments. 

2. XXXX XXXX is very hard to reach, he alway not on his desk, when I called him, he is not on the branch, when I go to the branch trying to find him, he is not there, I don't know if he only works as a part-time, I've never been help from him. 

3. XXXX XXXX never answered my phone and solve my problems, he always wants me to come to his branch office and talk to the manager, and when I made my trip to there, he always not there. 

4. When my account was locked, XXXX XXXX didn't know how to retrieve my account and made me lost another two weeks just trying to retrieve my account. 

5. The customer service phone numbers are very hard to get through, and XXXX XXXX didn't tell me to set up a phone pin, whenever I call the customer service phone numbers, it's taking me at least 40 minutes to talk to the right person who can handle my issues. 

6. The design of the mobile app is terrible, I can't see my transactions clearly and I don't know I was short of fund and I've been charged for more than {$300.00} just for overdraft and it was only {$30.00} shortage of amount in the bank and I need to pay {$300.00} to retrieve my account. 

TD Bank Branch Office Address XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Name of the staff XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX-XXXX  account number # XXXX. ( Please see page attached from my credit report. ) I have not missed any mortgage payments. I have also attached my bank statements showing the timely consecutive monthly payments on this account. I have contacted the ( 3 ) bureaus to remove these late payments however, I have not been successful. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
XXXX XXXX  has fraudulently and erroneously reported me, XXXX XXXX XXXX, to Chex Systems, as having a checking account with them, in very poor standing, abuse of account, unpaid charge off, on XX/XX/2017. I have never had this account, last four digits of account # XXXX, charge off amount of & XXXX, status is unpaid as of XX/XX/2017. I have no idea where XXXX XXXX  received this information. I do have a current checking account with XXXX XXXX, I opened with my wife, XXXX XXXX XXXX, about 10 to 12  years ago, which is still open and in good standing, this is the only account I have ever had and still have with XXXX XXXX. I called there Customer Service, XXXX line today at XXXX XXXX  and talked to XXXX, a supervisor, and was told she couldnt help me, and told me to contact the three credit bureaus, or the Consumer Finance Protective Bureau, which I am currently doing. Please let me know if any further information is needed. Thank you for your assistance, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: FL

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30-60 ) days late on the XXXX-MORTG account number # XXXX. ( Please see page attached from my credit report. ) I have not missed any mortgage payments. I have also attached my bank statements showing the timely consecutive monthly payments on this account. I have contacted the ( 3 ) bureaus to remove these late payments however, I have not been successful. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.

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 2019-12-16 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: FL

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX-MORTG account number # XXXX. ( Please see page attached from my credit report. ) I have not missed any mortgage payments. I have also attached my bank statements showing the timely consecutive monthly payments on this account. I have contacted the ( 3 ) bureaus to remove these late payments however, I have not been successful. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.

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 2019-12-16 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: FL

Complaint narrative:
PLEASE FIND THE ATTACHED DOCUMENT WITH THIS DISPUTE. PLEASE REMOVE ME OFF THE DISPUTED ACCOUNT FOR I AM NOT THE OWNER OF THE ACCOUNT. IT HAS BEEN AFFECTING MY CREDIT AND I WOULD LIKE TO BE REMOVED AS SOON AS POSSIBLE.

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 2019-12-16 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: FL

Complaint narrative:
PLEASE FIND THE ATTACHED DOCUMENT WITH THIS DISPUTE. PLEASE REMOVE ME OFF THE DISPUTED ACCOUNT FOR I AM NOT THE OWNER OF THE ACCOUNT. IT HAS BEEN AFFECTING MY CREDIT AND I WOULD LIKE TO BE REMOVED AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
I took out my loan on XX/XX/2019. I have since found out that their loans are not legal in the State and not licensed to do business here. I have revoked my ACH withdrawal authorization and notified them to not contact me via phone. They have texted me since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: IL

Complaint narrative:
It's not my account, i never applied for it, i never sign any contracts or agreements to receive benefits from this company.

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 2019-12-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I reviewed my credit report and it is reflecting a Bankruptcy which is in error as I have never filed for bankruptcy. The docket number reported is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: KS

Complaint narrative:
Veterans United serviced my home loan. Significant water damage of $ XXXX was found after closing due to the poor VA inspection process. As soon as I reported the damage to Veterans United they disappeared and left me with significant liability. I have put $ XXXX worth of repairs and new appliances into the property and still can not sell the property.

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 2019-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX called and identified themselves as collecting for XXXX XXXX  on behalf of XXXX. They said I owed {$500.00} for a credit card from XXXX. I paid it It using my XXXX XXXX  card and the transaction is recorded on my statement dated XX/XX/2019. They hang up on me when I call to follow-up and XXXX XXXX  said they have no record of the payment. This is bank fraud amongst other illegal activities. This is showing up on all three of my credit reports and preventing me from future credit related endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: AL

Complaint narrative:
I reviewed my credit report and it is reflecting a Bankruptcy which is in error as I have never filed for bankruptcy. The docket number reported is 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 2019-12-16 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: AL

Complaint narrative:
I reviewed my credit report and it is reflecting a Bankruptcy which is in error as I have never filed for bankruptcy. The docket number reported is 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 2019-12-16 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: AR

Complaint narrative:
Experian refuses to delete collection information on my credit report. The same paid, closed account has been removed from other credit reporting bureaus after the creditor/collection agency requested them to do so.

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 2019-12-16 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: LA

Complaint narrative:
I have been fighting with ID THEFT for sometime now and there are fraud accounts reporting. Ive tryed disputing this info but am not able to get the accounts blocked and or removed even after dispute. I have sent in all supportting documents to include police reports and ID THEFT affadvits and then some in support of this fraud!! The following is fruad and needs to be removed ASAP. 
1. XXXX XXXX XXXXAccount number XXXX Payment Info Original loan amount {$2800.00} Balance {$2800.00} Updated on XX/XX/2019 2.XXXX/XXXX Account number XXXX XX/XX/2019 3.XXXX XXXX XXXX Account XXXX XXXX XX/XX/2019 2019

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 2019-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
I TOOK OUT MY LOAN ON XX/XX/2019. I HAVE SINCE FOUND OUT THAT THIS BUSINESS IS NOT LICENSED IN MY STATE. I HAVE REVOKED MY ACH AUTHORIZATION AND HAVE ASKED THEM NOT TO CONTACT ME ANY MORE BY PHONE, BUT THEY STILL TEXT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The account reporting from XXXX XXXX is not my acount. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENTS REPORT ON XX/XX/2019 ON MY XXXX. I'VE FALLEN BEHIND BECAUSE OF A PERSONAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT THAT'S LISTED.

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 2019-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
I took out this loan on XX/XX/2019 and have since found out that this company is not authorized to give loans in the state of Illinois. They are highly predatory. Loan exceeds state usury laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: AL

Complaint narrative:
The account reporting from XXXX XXXX is not my acount. Account number 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 2019-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
My insurance has lapsed due to nonpayment by my processor. They say they've mailed check twice, but my insurance company says it hasn't been received. Now i have no insurance, and NO ONE will talk to me. I make my payments each month, never late. I have called and called XXXX, spoke with them XX/XX/19, tried to speak with them on XX/XX/19, and again today XX/XX/19 with NO RESPONSE. I need them to pay my insurance company PLEASE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been fighting with ID THEFT for sometime now and there are fraud accounts reporting. Ive tryed disputing this info but am not able to get the accounts blocked and or removed even after dispute. I have sent in all supportting documents to include police reports and ID THEFT affadvits and then some in support of this fraud!! The following is fruad and needs to be removed ASAP. 
1. XXXX XXXX XXXXAccount number XXXX Payment Info Original loan amount {$2800.00} Balance {$2800.00} Updated on XX/XX/2019 2.XXXX/XXXX  Account number XXXX XX/XX/2019 3.XXXX  XXXX  XXXX  Account number XXXX XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: VW Credit
State: TX

Complaint narrative:
I want to see if anyone can call me back and tell where or who I can talk to regarding this company who fraudulently, wants to make me responsible when they did give authorization to run my credit I was not present on XX/XX/2018 when my mom a XXXX  year woman that I told the finance man that I was not going to sign to be responsible for a car I did not like and that the sale was for my mom and the finance guy I was not going to be held responsible and the paperwork Ms. XXXX mailed me was not my signature so, I did not sign those contracts one because my name is not XXXX XXXX. I am not XXXX XXXX and they are illegal wanting me to pay a car that I did not authorized a credit check, nor did I sign the paperwork provided to me by Ms. XXXX and I did not buy a car from XXXX did my mother on the other hand did XXXX XXXX XXXX. 
Ms. XXXX at XXXX I did provide income checks to finance but I did not sign no credit application and no legal binding contract saying that I would pay for a car I did not purchase, and I did not sign those papers that Ms. XXXX provided so, that was not me and is not me and I do not sign that way and I do not purchase cars or houses over the phone. I signed in person and that paper work provided is not me and not my signature and I am not responsible for a product that was illegally sold and now they want me not XXXX XXXX to pay I was not and am not XXXX XXXX. I am reporting this to credit bureau and XXXX  and FTC and you guys and to United States Securities Government. Please call me or help I want this off my credit off my back I am not XXXX XXXX. 

Note : I also, misspelled Ms. XXXX name on purpose to see how she feels her name being used and in a legal circumstance such as this that her name is used inappropriately and her having a XXXX surname last name that is by culture is discriminatory and it is inappropriate so, I want Ms. XXXX to stop lying. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation