vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I received an email stating that I had a payment due on a loan from a company name XXXX, phone number ( XXXX ) -XXXX-XXXX. I did not apply for a loan, saw no Credit Bureau inquiries, no loan is appearing on my Credit Bureau and did not receive any unexpected deposits to any account. I immediately responded to the email notifying the company that I did not apply for the loan and that it was fraud. On XX/XX/XXXX they acknowledged my reply and told me to fill out a Police report and forward it to them. On XX/XX/XXXX I responded that since I have no knowledge of the company, the alleged loan or any other details other than an email requesting payment, I would not be submitting a police report. For all I know the email was a fraud attempt. They have stopped responding via email but are calling me requesting payment. I called and spoke to an associate today XXXX and was again told to fill out a police report. I again told them I don't have any information to put into a police report. They stated the police report was required to proceed. I informed them that I would expect them to file a report since they are the victim who suffered a loss. I offered to sign a document stating I did not apply for a loan. They did not accept that offer and I asked them to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 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 2021-03-01 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:
The payment history information reported is incorrect. I've continued each credit bureau and the creditor, XXXX XXXX XXXX. 

XXXX  states in the comments state in the comments Paid was past due 30 days 2 or 3 times Then they show in the payment history only 1 late payment ( XX/XX/XXXX ) That's incorrect information TransUnion state in the comments state in the comments Paid or paying as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information XXXX state in the comments Pays account as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information Payment history is 35 % of the credit score. And all ( 3 ) of the reporting agencies and inconsistent, inaccurate information. All of them are extremely hurting my credit score with incorrect payment history information reporting.

I've sent multiple letters to all ( 3 ) credit bureaus They all updated to state paid as agreed with no late payments Then went back and started changing the late payment dates which cause even more issues as I was in the middle of the home buying process.

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 2021-03-01 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:
The payment history information reported is incorrect. I've continued each credit bureau and the creditor, XXXX XXXX XXXX. 

Experian states in the comments state in the comments Paid was past due 30 days 2 or 3 times Then they show in the payment history only 1 late payment ( XX/XX/XXXX ) That's incorrect information XXXX  state in the comments state in the comments Paid or paying as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information XXXX  state in the comments Pays account as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information Payment history is 35 % of the credit score. And all ( 3 ) of the reporting agencies and inconsistent, inaccurate information. All of them are extremely hurting my credit score with incorrect payment history information reporting.

I've sent multiple letters to all ( 3 ) credit bureaus They all updated to state paid as agreed with no late payments Then went back and started changing the late payment dates which cause even more issues as I was in the middle of the home buying process.

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 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: TX

Complaint narrative:
This debt collector continues to call my work phone number ( XXXX ), leaving a voicemail stating that I need to call them back, with no other details provided. They called three times on XXXX ( XX/XX/26 ) night after business hours. I have already submitted a complaint regarding this company once before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I purchased a bunk bed from XXXX XXXX XXXX online they charged me {$440.00}. The next day the item shipped in 3 separate boxes and XXXX XXXX decided to bill me again for each box which came to {$440.00} again. So they charged me twice for the same item I called XXXX XXXX and they told me they would release the first charge but my bank would need to release it on my bank acct ..., I called USAA and we did a conference call to XXXX XXXX they confirmed they would release the first charge. Per USAA the pending charge would be released within 24 to 48 hours from the XXXX ... 48 hrs pasted and the charge was still pending now USAA tells me by Friday XX/XX/26 it will be removed come Saturday the charge was still pending so Saturday they tell me by midnight Saturday it will be removed and the funds will be put back into my acct it is now Monday and the pending charge is still there ... I called again this morning and was transferred to their escalation team who refused to assist me and told me that it will be released tonight at midnight ..., I asked for something in writing regarding their policy and she fused ... .I asked for a manager and she refused ... I asked for her full name or employee Id she refused ... I need assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: LD Holdings Group, LLC
State: CA

Complaint narrative:
XX/XX/2020 we did mortgage covid relief, house sold XX/XX/2020, fast forward to XXXX XXXX tried to bid on house, found that loan depot counted forbearance as late mortgage payments which has stopped our loan completely. XXXX XXXX today we have tried every day for hours to get someone to help since its illegal but nothing and nobody will help us. We can not buy a house due to this. My life is on hold and my lease on rental is up in one month. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$9800.00} written off. {$9800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$9800.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5600.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$5600.00} Date XXXX Dispute

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 2021-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Never received a bill for original debt. XXXX XXXX XXXX XXXX, XXXX MS XXXX alleges that they mailed more than one bill to our home in FL.Because of Covid 19 concerns we were staying in MS. We had arranged mail forwarding with USPS but some of our mail disappeared or was returned to sender. We pay most of our bills online with paperless billing. I discovered that in XXXX XXXX XXXX had referred a {$90.00} charge to a collection agency known as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MS XXXX.I did not discover this information until XXXX XXXX. Again I Have yet to receive a bill from XXXX or XXXX. They filed a negative report with the credit agencies that has negatively impacted my credit score and my ability to go forward with a mortgage re-finance application. On XXXX I called XXXX 's billing dept and offered to pay the {$90.00} bill. They refused to allow me to pay the bill, saying that the matter was now out of their hands. I will never pay a collection agency for a bill I don't owe them. I will gladly pay XXXX the amount I owe if given the opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received notifications about my credit being pulled. Have A LOT of inquiries not made by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I currently have a mortgage with Freedom mortgage company at 4 3/8 % I applied for a new 30year loan at 2.50 % which would save me $ 500 monthly ( I'm XXXX and retired ) in 8 years with them i have never missed a payment or a property tax payment, credit rating over XXXX. 
I currently receive income of {$2100.00} social security, {$1000.00} ira withdrawal, {$1000.00} farm income, {$110.00} ira check. A new mortgage payment would be {$900.00} and I have taken advantage of deferring my property taxes because of my age. I dont have a car payment. Freedom says I dont qualify to refinance, I definitely feel like they are discriminating due to my age. 
They have do far refused to give me anything in writing as to why they have turned me down. 
I definitely need your help to stop this practice of age discrimination. Please reach out to Freedom and demand reversal of this discrimination policy

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 2021-03-01 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: NJ

Complaint narrative:
I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is not showing in dispute nor is it removed from my report. The account always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud account affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the account to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: GA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 50 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX my bank account was hacked for {$350.00} through cashapp at XXXX.I contacted my bank card services immediately and was asked to sign a notice of fraudulent form and to go to my bank and receive a new debit card. My bank then informed me it could take ten business before I could get the money back. XX/XX/XXXX my bank refunded me the money. 

During this waiting period I am conversing with cashapp trying to get any answers concerning the hack and now Im getting the run around. Finally on XX/XX/XXXX I get an email from the cashapp team telling me they are going to give me a provisional refund. In order for that to happen, I would need to log back into the cashapp, put my information in and they would transfer it from my old account to my new one. I asked them to put the money on a cash card and mail it to me because I no longer feel comfortable putting my new information in the app. My next email from them was letting me know for security reasons they could not refund my money. 

I just received an email from my bank saying on XX/XX/XXXX they are taking back the refunded money because cashapp told them I authorized those transactions. That is NOT true! I do not know those people. I am still trying to figure out how they were able to take that money from me and my account was set up to use a PIN number to send money. I truly believe this is an inside job. Cashapp is scam and I want everybody to know it! 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC
State: TX

Complaint narrative:
A " Jefferson Capital Syst " something company keeps calling at all times of the day, they flagged my credit with an absurd amount of money " owned '' that I have no idea where it's from. Please make them STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
Cardinal financials neglected to pay my taxes even though it's and FHA and I ended up paying the taxes out of my pocket. They are assured me on multiples call that I made that I will be refunded my money by the latest XX/XX/2021. Now its XX/XX/XXXX and they are now saying they cant refunded it at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: FL

Complaint narrative:
On the XX/XX/XXXX, I sent in letters regarding inaccurate reporting of false items on my credit report. I have not received their method of verification nor the results of their investigation. I feel like I'm being ignored of my claims and disputes. These are deceptive practices of the 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 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
i have never used moneygram prior to yesterday XX/XX/2021 i signed up and created an account online I have lived at current location for 20 years own a home with no mortgage. I have had banking relationship for over 20 years. 

I sent money to XXXX ..to a friend. 
money was taken from my account from an international private bank 5 minutes later i received a cancelation of transaction notification ( no reason given ) one minute later canceled my profile for potential fraud ( no reason given ) They will not provide information nor tell me the actual reason they canceled the transaction and my account with them they are keeping my funds for a number of days and say they will return to the bank. So they acknowledge receipt of the money from me I completed my transaction thru XXXX XXXX ( who i also have never used prior to yesterday ) I wish to file a complaint against moneygram. they will not disclose what it is about my profile that makes them think my profile may be fraudulent i can not talk to the fraud department at the company as they do not talk to customers. 

CUstomer service says they can provide no information. 

corporate legal department has a recording and no way to talk to their attorney their internal complaint line does not answer it just rings

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
My complaint is against Ally Bank regarding a paid in full auto loan. ( attached ) I paid the auto loan off on XX/XX/XXXX. I am still waiting for my title and lien release. I was told it was mailed on XX/XX/XXXX. I have made several calls over the past week and I am getting different information from different representatives ( who by the way are " off-shore '' ). I have also received emails from Ally Bank ( attached ) telling me it was mailed. My latest phone call was this morning ( XX/XX/XXXX ). I was told it will be another 2-3 days. Today is 10 days since I paid in full. The {$4800.00} was withdrawn from my bank account on Monday, XX/XX/XXXX. I have a deposit on this automobile from a buyer who I told that the title was mailed on XX/XX/XXXX - as indicated in an email from Ally Bank. I am totally getting the run around from representatives " off-shore '', who I feel are just telling me what I want to hear.

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