vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 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: TX

Complaint narrative:
I have been sending letters to XXXX in regards to an alleged XXXX loan asking them to verify an alleged debt, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.

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 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have tried several times to dispute this account, but this DSNB/MACYS 's account is still on my report, and negatively affecting my score. 
DSNB/Macys 's account has passed the statute of limitations, but on my credit report a debt with an expired statute of limitation is still listed. 
Please find attached file. 
For Citi 's account number 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 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
The account in question is Loan Depot account # XXXX the issue at hand is a late payment reported in XX/XX/, I was unable to make that payment due to Covid-19. 
When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report and I realize that I am this company ( Rec MGM Sys ) is violating my rights according to the 15 USC 1692 a.b.c.d. I am tired of being harass about this account. Which is a violation because it is defaming my character. I have attached a copy of my ID.

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 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
On XX/XX/20 I received a letter from TRS Recovery Services regarding a check number XXXX for the amount of {$190.00}. This check was written to XXXX. 

I called TRS and told them that I had not written any checks to XXXX and asked them to send me a copy of the check and a copy of the ID used to write the check. They refused but did provide me with the Account Number and Routing Number over the phone. The routing number ( XXXX ) is for XXXX in XXXX  XXXX. I called the bank and was told that account ( XXXX ) was closed for fraudulent activity. They would not tell me any more. 

I have contacted TRS repeatedly and relayed all the information above, several times. They continue to send letters demanding payment.

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 2020-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: PA

Complaint narrative:
I sent a check to pay off my auto loan in full, which US Bank cashed on XX/XX/20. After over 4 months had passed and I never received my title, or even any communication or acknowledgement from US Bank I reached out to them to see what was going on. 

I called them on XX/XX/20. I spoke with someone ( XXXX ) who told me that they would electronically release my title with XXXX. She told me that I may need a " Release Letter '' to take to XXXX to get my title and that she would have this sent in the mail to me. I never received anything in the mail or heard anything further from US Bank. 

I called again on XX/XX/20 and spoke with XXXX. She told me that the bank had never received my title, and that maybe the dealership didn't provide it to them, so she said that maybe US Bank never had a lien on my car and recommended I contact XXXX to confirm. I emailed XXXX, and they confirmed that US Bank is the official leinholder on my title, and that US Bank needed to file the electronic title release. 

I called US Bank again on XX/XX/20 and spoke with XXXX. I told him that XXXX said US Bank needed to release my title. He told me that he would " escalate '' my situation to management, and that someone would reach out to me in 24-48 hours and that a letter would be sent to me by mail. I never heard anything further and nothing ever arrived in the mail. 

I called US Bank again on XX/XX/20 and spoke with XXXX. She told me the same thing that XXXX had told me back on XX/XX/20 - that the dealership may never have given them the title. I hold her that this is not what XXXX is saying and that I wanted to speak with a Supervisor. She told me that her Manager ( XXXX XXXX ) would call me back shortly to discuss. I made very clear that no one at US Bank has followed through on anything over the last 3 months, and she assured me that XXXX XXXX is very good and would absolutely call me back. I have not heard anything. 

At this point, US Bank has essentially stolen my vehicle. I paid my loan in full over 6 months ago, and they will not provide me with my title. After calling on 4 separate occasions and getting nowhere, I don't know where else to turn? They should be held accountable for this atrocious behavior.

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 2020-12-22 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: TX

Complaint narrative:
I have been sending letters to Experian in regards to an alleged XXXX XXXX XXXX loan asking them to verify an alleged debt with proof of original documentation, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.

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 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Went to XXXX XXXX branch ( XXXX ) of Well Fargo. XXXX refused to take a cash payment for credit card. She stated the card presented was a " debit card ''. She confirmed with another teller it was a " debit card ''. Finally after 14 minutes on XX/XX/2020 at XXXX XXXX  after customer asked at least 3 times to make a " payment '', finally she processed a {$35.00} cash payment. No apology from XXXX to customer whom she disrespected, but a lame " my bad '' to the teller who she mis-informed in transaction by calling card a " debit card ''. 

This is at least the 2nd time WF employees assume the transaction that needs to take place instead of listening to the customer request. The employees are not trained to know banking terminology or customer services to customers. 

Need to Know your customer better!! This is a training problem at Wells Fargo. Customers are suffering due to assumptions/discrimination against customer and non-customers of the bank lobby. This has developed over time due to the cash restrictions on deposits for non=account holders.

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 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried several times to dispute this account, but this XXXX XXXX account is still on my report, and negatively affecting my score. 
XXXX XXXX  account has passed the statute of limitations, but on my credit report a debt with an expired statute of limitation is still listed. 
Please find attached file.

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 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
BANK OF AMERICA HAS PUT SOME SORT OF XXXX FRAUD REVIEW HOLD ON MY ACCOUNT ON XXXX XXXX, 2020 AND WONT REMOVE IT NOR GIVE ME ACCESS TO MY FUNDS. 

Bank of America ( BOA ) has placed a - {$880000.00} pending hold on my business checking account as some sort of fraud review hold and I cant get anyone who can provide me with answers as to what is going on, how long this hold will be on my account, and when I will receive my funds in this account. 

This started on XXXX XXXX, 2020. I immediately started calling BOA daily to get some answers but was transfer around the world every day and having to hold on the line for hours while reps transferred me to the wrong departments. I was told by all 45 BOA representatives I talked to that they do not know what is going on with my account and I have to wait until someone calls me. No one has called me as yet nor have I received a letter in the mail. 

They can not tell me who placed the hold on my account and why but refuse to give me access to my hard-earned money in this account. My business has suffered tremendously during this pandemic and now I am close to going out of business due to BOA holding my funds without my consent or knowledge of what is going on. I cant pay my employees or bills. 

I drove to the bank and was told that they cant withdrawal the funds and close this account due to the hold. I am confused and frustrated at this point. It should be illegal for a bank to hold on to your money without give you any explanation as to why and when the hold will be off of my account. 

Ive been calling the numbers given to me for 20 days, all day long, and Ive just had my time wasted. Ive been hung up on countless times, forwarded constantly and passed around between departments that just keep forwarding me or hanging up on me. 
Its just been a mess. I keep getting told there is no flag or risk on the account, just the hold, but no one knows how to remove it. 

Can I file something to speed this up? I cant use my bank or card for anything right now because of this HOLD. Please HELP!!

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 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I was a with GMFNANCIAL customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XX/XX/2017 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received a letter from TRS Recovery Services , Inc., XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX  XXXX Telephone number XXXX, dated XXXX XXXX, 2020. 
This is a false collection. I have never written check # 130 to XXXX XXXX XXXX on XX/XX/2020 in the amount of XXXX. I will not pay this amount or the {$25.00} return check fee. This is not my account or my check. This company has sent letters before demanding money on bounced checks with were also fraud. 
I request that TRS remove my name and this collection notice from their system. THIS IS FRAUD. 

TRS Reference # 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 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Collection Agency, Inc.
State: CT

Complaint narrative:
There seems to be a bunch of confusion over at Atlantic Collection Agency. I called them a number of times to verify an open balance of {$1200.00} owed to XXXX XXXX XXXX. They confirmed that was the only balance that I had, so I paid what they told me, and that was {$900.00} to close the account as paid in full. That was on the XXXX of XXXX and should have been reported on the XXXX of XXXX. I noticed that it wasnt remove so I gave them a call. After a lot of back and forth they realized that they've been mixing up my name in their system, placing my last name as my first, and vice versa. They're now saying the balance that I paid was actually for XXXX XXXX, and a balance is still owed to XXXX XXXX. I'm not sure how that is possible if it was paid back in XXXX of 2018, and they even reported it as being paid. The balance that I just paid doesn't even amount to either debt that I owed, but at this point they've been paid twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation
State: CA

Complaint narrative:
On or about XXXX, I contacted Owning.com and spoke wXXXX XXXX. I expressed my concern about being able to refinance my home w/no cash out prior to the end of the year. While there are no guarantees, she agreed this was a possibility. She ran my credit, pulled all my information and quoted me a rate of 2.375 %. Like any process, there were items that needed clarification in order to proceed. On XX/XX/XXXX some time before XXXX XXXXXXXX informed me this was the last day they could submit and still close prior to XX/XX/XXXX. At approximately XXXX XXXX., she notified me that they had approval and the documents needed to be signed ASAP. When I reviewed the documents the rate had gone from XXXX to 2.626 %. When I questioned her about the rate increase, I was told rates had started increasing due to the vaccine and political events. I was then informed to shop around and if I found a better rate, that they do rate match. With that information, I signed off on all the documents and went online to inquire about rates. While inquiring one lender asked why I was searching for a new lender if I already had approval. I explained I wanted a better rate and that I was told rates were creeping back up due to the vaccine. This lender proceeded to tell me that rates had in fact gone down the last couple of days and pulled rates to show me. He told me that this happens from time to time and it's called a bait and switch which is unethical. With that information I sent XXXX an email inquiring about the rate, provided her with the rates I had been provided and asked her why she was charging more when the rates had gone down. I also asked her about the bait/switch comment. Within 5 mins XXXX called me and was noticeably upset that I had questioned her integrity. With that she proceeded to tell me that she would be canceling my loan because she could not work with someone who did not trust her and that it would only get worse from here. She suggested I contact a new lender and wished me luck. I at no time asked her to cancel my loan, I was simply looking for clarification and I sent her an email that evening advising her of the same and asked her to have her manager contact me. When I did not hear back I contacted owning.com on Friday XX/XX/XXXX @ XXXX. The individual who answered went over my file and put me on hold. When someone came back on the line it was XXXX, not the individual I had been conversing with. I reiterated to her that I did not cancel my loan and that if she took offense I was sorry but if she read the email that was not the intent, I simply wanted clarification regarding the increased rate if rates had in fact gone down, they my rate should have remained the same, not increase. She said her manager would contact me and I haven't heard from either of them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/XXXX Resurgent Capital Services sent me a collection notice starting that they manages an account from original creditor XXXX XXXX XXXX, XXXX. regarding current owner LVNV Funding LLC which is a collection company as well stating they have initiated a review of the inquiry to collect a debt for the amount of {$2600.00}. I responded with a letter to validate the debt that they say I owe to them and who gives them a right to collect the debt. This company has not been able to properly validate this debt as of yet. I received a response from them in the mail on XX/XX/XXXX with the account summary of a debt with borrower information including name, address, city, and state, zip code and current account information with the owner which is LVNV Funding LLC, Resurgent reference # the original creditor name and account #, current balance due amount which is {$2600.00}, and date of last payment XX/XX/XXXX. The historical account information stating the original creditor for the account, the origination date, the account charge off date, the account was acquired on or about, the account balance at the time of acquisition. I also received another letter of a bill with my name on it stating I owe this amount. Another validation letter sent to XXXX XXXX , XXXX for the same amount on XX/XX/XXXX asking to properly validate this debt returned with improper validation. Another letter went out on XX/XX/XXXX to properly validate this debt and still not able to validate correctly to prove that I owe this company or the debt. This debt still appear on my XXXX credit reports only. I want this company to stop reporting this to my credit reports because it does not justify a debt I owe and who gives them the right to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a dispute to Equifax about a BankRuptcy and Collection account XXXX and asked them to verify the information. Another Letter was sent on XX/XX/XXXX asking them to provide actual proof that these accounts have been verified and are accurate. And have sent yet another letter on XX/XX/XXXX asking again for proof. 

I have done my own research and still disputing with the Third party computer XXXX which they so happen to get this information from and even got a report that contradicts which Equifax is claiming they verified the date filed is not the same and also Reference # is not the same Also included in the dispute was an account with XXXX XXXX showing an account # and Open Date is different from what XXXX has sent to me as well. Which I am also in a dispute with XXXX Date filed on Equifax for Bankruptcy is XX/XX/XXXX and XXXX Shows an open date of XX/XX/XXXX which contradicts where they say they have verified this information from and have yet from both agencies XXXX XXXX and XXXX to give any actual proof of this information as well as Equifax providing actual proof of the investigation they have done in regard to these accounts still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: Orions Management Group, LLC
State: TX

Complaint narrative:
I paid my balance with Orion agreeing for deletion, I called today XX/XX/2020 to ask for a deletion and our agreement had changed that it was just a paid in full.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation