vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
A loan payoff amount of {$220000.00} was submitted by my title company on XX/XX/XXXX. 
Around the same time, Loan Depot renewed the homeowners insurance, causing a small shortage. 
On XX/XX/XXXX, Loan Depot reported a " failed payment '' of {$1700.00} - on a balance of about {$370.00}. I was sent a letter on XXXX ( after the loan was paid ) stating that I had a past due balance of {$1700.00} ( attached ). This was obviously incorrect. 
At the time the letter was sent, I had not canceled my automatic payments. Even if the amount was incorrect, the payment could have ( and should have ) been XXXX 'd exactly the same way every previous payment had been made. Obviously, someone at Loan Depot marked the loan as paid off, canceled the automatic payments, and then Loan Depot changed their minds about what was owed AFTER that took place. 

I called Loan Depot on receipt of the above letter and was told 1 ) The title company needed to send another wire ( they said I could not ), 2 ) I was given at least XXXX different payoff amounts, 3 ) It wasn't until I spoke to you ( XXXX XXXX ), that I got a correct amount and a payoff letter and the go-ahead to wire the payment. 

I didn't receive a payoff letter until a rep ( XXXX XXXX ) emailed me one on XX/XX/XXXX and I paid it immediately ( XX/XX/XXXX ). 

As of today, the payment still has not been reported to the credit bureaus and there is still a late payment listed on my reports- this caused a XXXX point drop in my XXXX XXXX and so far has caused a mortgage pre-approval to be rescinded and an auto loan approval at 6.99 % to be adjusted to 17.9 %. 

As you can see from the attachments, the balance amounts are wildly different, and the actual balance - XXXX was paid off as soon as I was notified of the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting 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:
This will make the XXXX time asking Transunion XXXX and XXXX to remove this fraudulent items from my report. I never had any account with the following leanders XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX Inquire : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
All financial reports should be on the company not on my social and record ( XXXX XXXX ) All financial transactions on my record shouldnt be on my record but on the record of XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Texas 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

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 2024-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Credit Corp Solutions had violated the FDCPA, XXXX XXXX, Banking laws, IRS reporting and Texas deceptive Act. This debt collector filed a law suit for an alleged debt, on XX/XX/2024 CAUSE NO. XXXX, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX that said they purchased from XXXX XXXX that had an Arbitration Clause in it ( that XXXX never enforced not did XXXX file an claim of cause ), before ever notifying me XXXX XXXX XXXX XXXX XXXX the living soul man of, in writing so that I may request Validation of the alleged debt. The lawsuit seeks an amount of {$14000.00} in which they have never validated nor provided any accountant records to back of the alleged claim of debt. I received a letter dated XX/XX/2024 from XXXX XXXX XXXX offering tax time payment options ( See attachment and the many violations in the letter ), after they had filed this claim in small claims court. I dont know who this company is, never had any deals with this company, nor has the person XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Corporation/Company XXXX whom I own copyrights to any variations of, Attorney of fact, Trade Mark, Secured Party and any and all debts are owned to me the living soul man XXXX XXXX  XXXX XXXX XXXX XXXX filing XXXX. XXXX filed this alleged account as a lost thereby income loss that they filed with the IRS and a XXXX should have been sent out. I've filed an audit, and Identity theft with the IRS against XXXX, XXXX XXXX XXXX XXXX  and Credit Corp Solutions for authorized use of my social security account number, filing of the XXXX XXXX  into the Federal Reserve by creating an account without my written permission and obtain the cussip number and use the securities ( the XXXX XXXX on the stock market ) as a bond and collection millions of credits from it. This alleged account was paid for when they took the XXXX XXXX  with my signature and deposited with the Federal Reserve thereby nothing was ever owed to them but rather to me the principal. 

This company has violated all my rights under the XXXX of the United States of America XXXX, the XXXX arbitration, FDCPA, TDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
This account had a XXXX balance when it was closed out, the balance be reported on my credit is false. According to FRCA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report 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 explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove these inaaccurate record 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 non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove these inaaccurate record from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: RI

Complaint narrative:
I made a purchase on XXXX of several computers which never arrived and had trouble getting a refund from XXXX. I purchased the computers using my XXXX card, with two split payments for the same computers from the same seller. 

I obviously disputed both charges, and one of them was reversed with absolutely no difficulties ; however, the other was not. And even though I explained the situation to XXXX card support and they were confused why one refund was approved and the other was rejected despite being exactly the same in nature, nothing changed. 

I have tried disputing again several times to no avail. However, it definitely seems like their dispute decisions are completely arbitrary given that a split purchase for the exact same item ( items were bought and shipped together ), with the exact same information provided and at the exact same time yielded different outcomes. 

( The charge of {$XXXX} was successful reversed, however, since this happened so long ago I was not able to find this email. However, if this documentation becomes necessary, Im sure I can recover it. The latest email for the rejected purchase of {$XXXX} is attached, however. I did not include the first several dispute decisions, though. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE FILED SEVERAL IDENTITY THEFT CLAIMS AGAINST THIS COMPANY AND THEY HAVE REMOVED IT FROM MY XXXX CREDIT REPORT, HOWEVER THIS COMPANY NEEDS TO BE REMOVED FROM BOTH MY TRANSUNION AND XXXX CREDIT REPORTS WITHIN 30 DAYS ALONG WITH PAYMENT REIMBURSEMENT FOR PAYMENTS MADE TOWARDS THIS ACCOUNT, ALL OF MY BANK ACCOUNTS HAVE BEEN CLOSED DOWN FOR ALMOST TWO YEARS, I HAVE BEEN EVICTED FROM MY HOME WITHOUT TRANSPORTATION, NO UNEMPLOYMENT BENEFITS NOR ANY OTHER SUPPORT AS I HAVE EXPLAINED IN THE PAST, IN ADDITION I HAVE NO JOB, NO FOOD NOR ANYTHING AND I NEED THIS COMPANY REMOVED FROM BOTH MY XXXX AND TRANSUNION CREDIT REPORTS ALONG WITH REPAYMENT FOR PAYMENTS THAT WERE MADE TOWARDS THIS ACCOUNT THAT DOES NOT BELONG TO ME AT ALL!!! I HAVE PROVIDED ALL OF THE DOCUMENTATION THAT I HAVE TO RESOLVE THIS MATTER!!! I AM TRYING TO GET EMPLOYMENT, A VEHICLE AND A HOME HAVING THIS ON MY PLATE HAS KEPT ME FROM DOING SO AND I AM ALSO REQUESTING {$150000.00} IN DAMAGES FOR FINANCIAL AND EMOTIONAL DURESS. I HAVE EXPLAINED TO THEM THAT ALL COMMUNICATION IS TO BE DONE VIA EMAIL AS I DO NOT HAVE A WORKING PHONE NOR RESIDENCE AS I HAVE BEEN HOMELESS, WASHING MYSELF IN PUBLIC PLACES OR MOBILE SHOWERS. I HAVE NO FAMILY OR ANY RESOURCES ALONG WITH NOT ONE PENNY IN MY POCKET AND I WILL BE FILING BANKRUPTCY UPON ANY FUTURE EMPLOYMENT. THE PERSON WHO STOLE MY IDENTITY ADMITTED TO STEALING MY IDENTITY AND RUNNING UP MY CREDIT REPORTS AND THAT PERSON IS CURRENTLY XXXX  ON A XXXX  XXXX CHARGE. I WILL KEEP ON COMPLAINING AND DISPUTING THIS MATTER UNTIL THIS IS REMOVED FROM BOTH CREDIT REPORTS AND ANY OTHER RECORDS. I AM DONE DONE PLAYING GAMES WITH THEM AND I WOULD NOT BE USING PROFANE LANGUAGE OR COMMENTS IF THEY HAD DONE THEIR JOBS THE XXXX TIMES THAT THEY HAVE BEEN ASKED TO AND UNDERSTOOD THAT I HAVE A RIGHT AS A CONSUMER TO EXPRESS MYSELF ALONG WITH ANY OTHER OPINIONS AND IF THEY CAN NOT HANDLE THAT THEY NEED TO FIND ALTERNATE EMPLOYMENT ALONG WITH A TOUGH SKIN!!! I HAVE FILED COMPLAINTS WITH EVERYONE IN XXXX AND XXXX XXXX AGAINST THESE CROOKED XXXX XXXX!!! I AM BEYOND SICK OF THEIR XXXX LIES, ETC AND NO THREATS NOR HARASSMENT ARE BEING MADE I AM TRYING TO GET THIS BEHIND ME AND THE RESOLUTION I WANT!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ABOUT EVER GETTING ANY LOANS OR PRODUCTS FROM THESE XXXX XXXX EVER!!! I WANT MY MONEY AND CREDIT REPORT CORRECTED AND THEN BE DONE WITH THESE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I HAVE FILED SEVERAL IDENTITY THEFT CLAIMS AGAINST THIS COMPANY AND THEY HAVE REMOVED IT FROM MY XXXX CREDIT REPORT, HOWEVER THIS COMPANY NEEDS TO BE REMOVED FROM BOTH MY XXXX AND XXXX CREDIT REPORTS WITHIN 30 DAYS ALONG WITH PAYMENT REIMBURSEMENT FOR PAYMENTS MADE TOWARDS THIS ACCOUNT, ALL OF MY BANK ACCOUNTS HAVE BEEN CLOSED DOWN FOR ALMOST TWO YEARS, I HAVE BEEN EVICTED FROM MY HOME WITHOUT TRANSPORTATION, NO UNEMPLOYMENT BENEFITS NOR ANY OTHER SUPPORT AS I HAVE EXPLAINED IN THE PAST, IN ADDITION I HAVE NO JOB, NO FOOD NOR ANYTHING AND I NEED THIS COMPANY REMOVED FROM BOTH MY XXXX AND XXXX CREDIT REPORTS ALONG WITH REPAYMENT FOR PAYMENTS THAT WERE MADE TOWARDS THIS ACCOUNT THAT DOES NOT BELONG TO ME AT ALL!!! I HAVE PROVIDED ALL OF THE DOCUMENTATION THAT I HAVE TO RESOLVE THIS MATTER!!! I AM TRYING TO GET EMPLOYMENT, A VEHICLE AND A HOME HAVING THIS ON MY PLATE HAS KEPT ME FROM DOING SO AND I AM ALSO REQUESTING {$150000.00} IN DAMAGES FOR FINANCIAL AND EMOTIONAL DURESS. I HAVE EXPLAINED TO THEM THAT ALL COMMUNICATION IS TO BE DONE VIA EMAIL AS I DO NOT HAVE A WORKING PHONE NOR RESIDENCE AS I HAVE BEEN HOMELESS, WASHING MYSELF IN PUBLIC PLACES OR MOBILE SHOWERS. I HAVE NO FAMILY OR ANY RESOURCES ALONG WITH NOT XXXX XXXX IN MY POCKET AND I WILL BE FILING BANKRUPTCY UPON ANY FUTURE EMPLOYMENT. THE PERSON WHO STOLE MY IDENTITY ADMITTED TO STEALING MY IDENTITY AND RUNNING UP MY CREDIT REPORTS AND THAT PERSON IS CURRENTLY INCARCERATED ON A XXXX XXXX CHARGE. I WILL KEEP ON COMPLAINING AND DISPUTING THIS MATTER UNTIL THIS IS REMOVED FROM BOTH CREDIT REPORTS AND ANY OTHER RECORDS. I AM DONE DONE PLAYING GAMES WITH THEM AND I WOULD NOT BE USING PROFANE LANGUAGE OR COMMENTS IF THEY HAD DONE THEIR JOBS THE XXXX TIMES THAT THEY HAVE BEEN ASKED TO AND UNDERSTOOD THAT I HAVE A RIGHT AS A CONSUMER TO EXPRESS MYSELF ALONG WITH ANY OTHER OPINIONS AND IF THEY CAN NOT HANDLE THAT THEY NEED TO FIND ALTERNATE EMPLOYMENT ALONG WITH A TOUGH SKIN!!! I HAVE FILED COMPLAINTS WITH EVERYONE IN XXXX AND XXXX XXXX AGAINST THESE CROOKED XXXX XXXX I AM BEYOND SICK OF THEIR XXXX LIES, ETC AND NO THREATS NOR HARASSMENT ARE BEING MADE I AM TRYING TO GET THIS BEHIND ME AND THE RESOLUTION I WANT!! I XXXX XXXX XXXX XXXX XXXX XXXX  ABOUT EVER GETTING ANY LOANS OR PRODUCTS FROM THESE XXXX XXXX EVER!!! I WANT MY MONEY AND CREDIT REPORT CORRECTED AND THEN BE DONE WITH THESE XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have discovered XXXX ( XXXX ) credit inquiries on my credit report that I have never applied for or submitted my personal information to use. I have contacted XXXX and they are showing all XXXX of the credit inquiries. I requested that any further inquiries into my credit score to " XXXX ''. 
I have contacted XXXX XXXX and XXXX as well. XXXX XXXX and XXXX are only showing XXXX " hard inquiries '' attempted to gain a line of credit from " XXXX XXXX ''. 
Below are the XXXX known credit inquiries : XXXX XX/XX/XXXXXXXX on XX/XX/year> XX/XX/XXXXXXXX on XX/XX/year> XX/XX/XXXXXXXX on XX/XX/year> Bank of America on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> Again I have never applied or authorized any line of credits or inquiries for any such matter. I do not know how or who may have my personal 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: NY

Complaint narrative:
Im requesting to remove these addresses XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX, and I'm demanding the removal of these claims of my XXXX  report as there's no proof of my signature with the company that's reporting the negative claims on my XXXX  report Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX and I also want the removal of these people that's on my XXXX  report that I have no knowledge of and they don't belong on it XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have an insurance claim filed with USAA the adjuster show a replacement cost of {$34000.00} less recoverable depreciation of XXXX less my deductible of {$2000.00} with a actual cash value of {$25000.00}. This check was received on the XX/XX/2024 and overnighted to the servicer on XX/XX/2024. I waited 2 days to call the servicer to ensure that it was processed. In that conversation I was told that because I had late payments, they were going to ensure that the work was completed and subject me to inspections I told them that strangers coming into my house create a problem with my XXXX. The told me that it was their policy, and it seems if I want my house fixed that I would comply. I sent a complaint to HUD under XXXX and now they have responded with sending back {$6300.00} of the {$25000.00} to get my {$14000.00} roof fixed along with all the other repairs that are needed. It seems like retaliation for reporting them for XXXX XXXX XXXX XXXX. It also seems like theft, fraud etc. The money from the insurance company is to repair my house not to safeguard their position with their loan. In addition, it is making it very difficult to get my home repaired. Most contractors don't take a job without the basic amount for materials paid. I can't tell where the problem is but XXXX XXXX has been abusive and difficult the entire time, they have serviced my loan. They don't care about my XXXX ; they constantly send people to my house to spy on me. I see them taking pictures all the time. The XXXX  said that XXXX XXXX has not been reporting this to them, but they are charging me for this. Who knows who is responsible it may be USAA as an insurance company wanting to keep the money in house. Either way my house needs to be fixed and the emotional toll this entire process is taking on me is why too much. A separate issue since I am 100 % XXXX, I am exempt from property taxes for this reason a portion of my escrow was returned to them by the county I have shared with them that I am exempt, and they keep increasing my escrow accounts and I am still paying tax escrow. It's not helping me stay current on my loan with all the additional fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent this another complaint asking for help requesting that credit bureaus to reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date credit bureaus have failed to respond to my request. 

XXXX XXXX XXXX : {$19000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account.

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