vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
They did not Verify any of the inquiries Information to see if they were correct in listing them on my credit report I asked them for verification ie Written Contracts or verifiable documents I was give none and told that the do not Dispute inquiries that I would have to go to the companys to do so and that is not the law they have to dispute and tell you how it was verified

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: LA

Complaint narrative:
My wife and I are XXXX years old. We have only Social Security for our income and were blessed the be able to find the financing for a new home through the VA at our age. Last XXXX we were offered the opportunity to refinance with Loan Depot.com and reduce our monthly payments. Obviously, we were elated. We managed to buy down our interest rate to 2.75 % at a cost of approximately $ XXXXThis rate dropped within a week of our signing. Our previous loan payment was {$1000.00} and the paperwork on our new loan reflected payments of {$800.00}. 
Unfortunately, our previous loan reflected the actual taxes ( {$1200.00} ) and insurance ( {$690.00} ) with escrow payments of {$150.00}. Our refinanced loan of {$800.00} reflects a total of a {$80.00} contribution to our monthly escrow payments. When we became aware of the discrepancy my wife phoned Loan depot.com and was told we would be responsible for the difference to cover the taxes. 
We have contested out loan since XX/XX/XXXX and have been forced to go through Consumer Protection in order to contact you. The difference in the escrow and payouts will come to approximately {$940.00} the amount credited to our loan amount. 
Due to the delay in the closing of our loan until XX/XX/XXXX you destroyed our credit it dropped by 100 points. You then claimed that you paid the taxes on our property in XXXX and when it was discovered that it was a duplicate payment, you chose to credit those funds to our loan balance. 
When we contacted you, you said the amount reimbursed to our loan could not be held in escrow because it would then have to be returned to us ( which was impossible due to the IRRRL ). As far as I can tell, the escrow shortages will have to be paid at the end of the year. Needless to say, we do not have {$1000.00} available to us and we now have poor credit due to your closing company. We are reaching out to you to work with us to settle this issue. 
An apology for any inconvenience caused us just doesnt cut it. We have not forgotten that according to our contract with Loan depot.com ( and insured by the VA ), it was broken when you failed to pay off XXXX XXXX  within 5 days of closing according to the contract. We are also contesting that we were offered a payment that you miscalculated on all our official documents and signed by us at closing, and that now you plan to raise our payments by over {$100.00} a month above the amounts verified and approved by the VA. We have yet to receive confirmation on the increase which we ask for in writing. We are contacting you through Consumer Protection so we will have a record of your answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. There is an account with no name and the acct # XXXX and XXXX XXXX. There are also inquiries on there that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX. I have contact the FTC and local police.

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 2020-03-09 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: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. There is an account with no name and the acct # XXXX and XXXX XXXX. There are also inquiries on there that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI EQUIFAX MORTGAGE SOLUT EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX/XXXX  JXXXX XXXX XXXX XXXX. I have contact the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
On 2 previous occasions I have reported this company, Caine & Weiner for trying to collect a debt that they have never provided accurate paperwork, ie. original documents with payment history. 

The last response this company sent to myself and CFBP was that they would be sending an accounting of all payments to me and providing this info directly to CFPB, which they have not done. ( see companies response to CFPB complaint XXXX from XX/XX/2020 ) I have not received any documentation other than another bill from them. They have not provided me with any original signed documents nor have they provided me with an accounting of any payments made. 

Also, according to the response Caine & Weiner provided on XX/XX/2020 one account had already been removed from my credit report ... which is not true as it still remains on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: TX

Complaint narrative:
I was in the process of buying a ATV for summer fun. As I was looking for the one I liked the sales woman that was helping with the process told me she needed to check my credit to make sure I qualified. When she got my report back she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX  XXXX  XXXX {$810.00} XXXX XXXX  XXXX {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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:
I was in the process of buying a ATV for summer fun. As I was looking for the one I liked the sales woman that was helping with the process told me she needed to check my credit to make sure I qualified. When she got my report back she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX  XXXX XXXX {$810.00} XXXX  XXXX  XXXX {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have received a notification that National Credit Adjusters file a collection account on XX/XX/XXXX, their reporting date states the this account was open on XX/XX/XXXX, this account was already open through another collection agency and was under dispute, no mailing notification was sent to me to allow me validation request, as per law allowsme 30 days to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/2020 I received a call stating that I owed a debt. I asked for all of the details of the debt but the agent wouldnt provide me with the info. On XX/XX/2020 I received a email stating that we could resolve the debt. I reached out but the agent had no knowledge of the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: VA

Complaint narrative:
I received documents yesterday in the mail, after having been contacted by phone earlier in the week by Avantee. I told the callers that I would wait until I saw the physical evidence of the outstanding bills and that I wouldnt be paying them by phone. 
One reason I said that is because my hospital stay, which these bills are related to, was more than two years ago. I did explain in the phone conversations that I had paid my portion of any and all bills that Id received. This one, in particular, I never received not only an original, but I never received any type of follow-up that it was past due not from the practitioner, nor from XXXX, my insurance carrier at the time. The first Ive heard about it was now that its been sold to this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I paid off my auto loan on XX/XX/18, and my final payoff was overpaid. I over paid the loan by approximately {$850.00}. 

I have been working to receive a refund for my over payment since XX/XX/2018 with Suntrust, and they have told me on numerous occasions that they do not see an overpayment. During my initial calls to them, I was told a refund check was sent out, yet I never received it. After the second call to them, I was then told that no money was due to me. 

I have requested a transaction history of the account, and they are showing that my payoff amount was for {$7600.00} on XX/XX/18, when indeed the payoff check was for {$8500.00}. I have bank records to prove the amount, and have faxed them in twice upon request. 

I have called Suntrust 8 times over the past 15 months, and after the second call, began keeping track of the calls with ticket numbers. 

Call Ticket Numbers Call 1 : Unknown Ticket Number Call 2 : Unknown Ticket Number Call 3 : XXXX Call 4 : XXXX Call 5 : XXXX Call 6 : XXXX Call 7 : XXXX Call 8 : XXXX Account : XXXX Fax payoff conf : XXXX Fax history conf : 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 monetary relief
Consumer complaint received 2020-03-09 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

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 2020-03-09 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

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 2020-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/2019, I made a complaint to Bank of America regarding my escrow tax payments and how the amount set by the underwriter was grossly incorrect. The underwriter used a tax rate of 1.25 instead of .85 for my district. He also used the sales price instead of the assessed value. This caused my escrow tax payment to be {$230.00} higher than it is supposed to be ( {$520.00} ( XXXX+XXXX ) instead of {$280.00} ( XXXX+XXXX ) for taxes and insurance ). I have made several calls to Bank of America to fix this including two office visits in DC ( XX/XX/XXXX ) and in XXXX XXXX Maryland ( XX/XX/XXXX ) .In both visits I faxed my tax information to the mortgage department.I currently have my tax bill which must be payed between XX/XX/XXXX-XX/XX/XXXX. It is XXXX for the first half of the year. My escrow account has already accumulated over {$3500.00} in escrow tax in the period of 6 months. I have enough escrow tax in my account to pay the entire year. It should not be this difficult to get my escrow tax adjusted when the bill/rate is publicly available and is updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-09 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: MS

Complaint narrative:
I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$2700.00} XXXX/XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I reported a dispute to XXXX  regarding Credit Acceptance. I  called Credit Acceptance first to work out reporting. They state my account has been closed since XX/XX/XXXX. ( verified verbally as well as the XXXX  tracking on the check sent to them ) Yet, they reported to all bureaus that it was open. They received a check for {$22000.00} which is in excess of the XXXX payoff amount due. Proof attached, verbally stated it is good through XX/XX/XXXX the date the check was received.Then they stated to all bureaus that my debt amount owed to them was XXXX ( the amount of the check ) which caused a 34 pt.  decrease in my credit score. Proof attached. 

This is troublesome for several reasons - unfair, incorrect reporting. Credit damage. Reporting an account as NOT closed yet agreeing over the phone it is. Appearing to intend to keep the refund owed due to cancellation of the warranty. Contract states it is owed to me ( Illinois provision ).

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 2020-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: TN

Complaint narrative:
I was sent a letter by Linebarger Goggan Blair & Sampson, LLP from XXXX XXXX XXXX XXXX XXXX, TX ( I live in XXXX, TN ) for a parking violation on a street I have never been on. They have all my information including my license plate number on this letter. I never received a parking violation notice from the state/city, nor am aware of ever being on the street names so I suspect this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
During the last week of XX/XX/XXXX, loan servicer ECSI, working together with XXXX University placed a {$4000.00} Perkins loan on my credit report. This is an in accurate reporting as the {$4000.00} Perkins loan is consolidated under my XXXX XX/XX/XXXXaccount. Furthermore, the Perkins loan was opened in XXXX. No communication was made to me before placing this inaccuracy on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello, I received a personalized offer for XXXX Marriott Bonvoy points and a {$100.00} statement credit from American Express for signing up for a Marriott Bonvoy Business credit card. I signed up for the card and met the spending requirements, but then American Express only deposited XXXX Bonvoy points into my account, did not offer the {$100.00} credit, and insisted I was only eligible for XXXX Bonvoy points instead of the XXXX pursuant to the personal offer. 

I first raised this issue with American Express several months ago ( XX/XX/2019 ), and was told I would hear back within 6-8 weeks. Apart from an initial intake email, American Express never responded with a resolution to my complaint, despite several attempts on my part to have it resolved. When I raised the issue with their customer service team today, I was informed that there was no option to deposit the missing XXXX Bonvoy points or {$100.00} credit and that the case complaint was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My complaint is about Target US Store Credit Card, They have not updated or reported my payments to the 3 credit Bureau since XX/XX/XXXX. This is showing as a high balance for the last 4 months. This is affecting my credit report. Below is the state of my credit file as XX/XX/XXXX. 

Account Info Hover over labels for more details Account number XXXX Account status A brief message describing the status of the account. Accounts may be open, closed, unclassified, or unknown. 
Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$300.00} {$300.00} Payment Info Status Current Updated on XX/XX/XXXX Past due amount - Highest balance $ 324 Monthly payment {$28.00} Late payments -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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:
The following entity is reporting to the normal credit reporting bureaus that I have an outstanding real estate loan with their organization : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, SC XXXX USA, ( XXXX ) XXXX. After seeing the reporting for the first time on Saturday, XX/XX/2020, I immediately contacted them and confirmed they have absolutely no record of me in their systems. It may be they are including me in their reporting of my ex wife 's mortgage. To be clear, I was NEVER on any loan associated with her current residence, even though the same was purchased during our marriage. I have asked both XXXX and Transunion to cease this reporting and they continue to simply send me to the other entity.

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