vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I have learned that XXXX XXXXCarnegie Mortgage is negatively reporting a delinquency of my XX/XX/XXXX mortgage payment. Regrettably, this is absolutely false. 

First, XXXX XXXXCarnegie Mortgage was not the loan servicer effective XX/XX/XXXX, per Carnegie Mortgage 's own undated letter, attached. Per the letter, effective XX/XX/XXXX, the loan would be serviced by XXXX XXXX XXXX, and Carnegie Mortgage directed me to send all payments to XXXX XXXX XXXX beginning XX/XX/XXXX. 

Second, I paid my XX/XX/XXXX, payment to Carnegie Mortgage, check number XXXX, dated XX/XX/XXXX. That payment was timely received by Carnegie Mortgage and the payment cleared the bank it was drawn on, on XX/XX/XXXX. 

I paid my XX/XX/XXXX, payment to the new lender specified in Carnegie Mortgage 's letter. I.e., XXXX, on XX/XX/XXXX, check number XXXX, and that payment cleared the bank it was drawn on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent several letters in writing asking for corrections on my credit report with Equifax. I have ask Equifax to remove address that are obsolete and incorrect. I have asked Equifax to correct the information regarding my address and employment information. I am not self-employed or retired. I am XXXX  XXXX and have been for over 10 years now. I have sent proof that I have had identity theft and I I have not received any updated letter or email correction of that information. I am login to the my.equifax.com website with out receiving an error message several times before being able to reach my report screen. I have only been able to reach a customer service representative once early this year in XXXX or XX/XX/2020. I have been disputing information the information on my credit report via online and in writing for seven months and they only keep returning that the information is valid and not removed the incorrect information. They have not provided any variable information to me only an update online when I am able to get to my report screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are alledge inquiries showing on my report. For which I do not recognize Pursuant FCRA 604 I am demanding the removal of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted the credit bureau Experian several times via certified mail, where I obtained my receipts of the failed attempts to resolve this issue. I have download & printed a copy of the credit report that shows illegal under the FCRA of reporting the same debt multiple times by different companies whom are using the address & phone. XXXX XXXX shows twice on my credit report & XXXX XXXX XXXX all for the same amount {$850.00}. Its the against the law of this reporting. Experian responded back with a letter that clearly shows proper investigation isn't being made.

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 2020-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: SC

Complaint narrative:
For the past XXXX months, I have tried to resolve an accounting error with my mortgage lender, TMS ( The Money Source ), regarding my escrow account. They claim that my escrow count is in a grave shortage, but after accounting and reviewing statements, there is an error that they have refused to resolve. 

On XX/XX/2020 they erroneously made a payment to XXXX - XXXX for the amount of {$1000.00}. This amount was never returned to my escrow account. 

When they received my loan in XXXX, there was an initial Escrow amount of {$1500.00}. They dispersed a payment to XXXX, erroneously, and it has not returned to the account. The end of XXXX shows an amount of {$450.00}. They continue to claim that the amount was returned, but through all statements, in the past year, there is zero accounting for it. For reference, they said it was returned in the same month, but obviously, the final XXXX amount is significantly lower. I have called initially once a week, and am now calling them once a day in an attempt to resolve this. They ran fake escrow analysis that gave the same grave number, made me wait two weeks for it when it was supposed to take five business days due to their support error, and now they are saying the next one won't be complete until XX/XX/XXXX, one day after it would be a late payment for my mortgage. I also have no faith that they will magically resolve it then, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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:
IDENTITY THEFT HAS TAKEN PLACE AND OPENED A FRAUDULENT ACCOUNT WITH XXXX XXXX. XXXX XXXX FOR {$1000.00} COLLECTION AGENCY CREDIT VISION IS REPORTING TO TRANSUNION CREDIT BUREAU

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 2020-12-24 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:
I attempted to make contact with XXXX XXXX XXXX  in XX/XX/2018 to update and resolve the reporting that was being done on my credit report. There was acknowledgment that both the collector and XXXX XXXX XXXX received my letters of communication and did not update my report accordingly. The current status of the account is not correct and unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

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 2020-12-24 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: FL

Complaint narrative:
I attempted to make contact with XXXX XXXX XXXX  in XX/XX/2018 to update and resolve the reporting that was being done on my credit report. There was acknowledgment that both the collector and XXXX XXXX XXXX received my letters of communication and did not update my report accordingly. The current status of the account is not correct and unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: NC

Complaint narrative:
On XX/XX/2020 XXXX XXXX accessed my credit report with an unauthorized inquiry. This is a result of identity theft. Currently an extended fraud alert is on my credit report as a result of misuse of my personal information recently. Federal Trade Commission Identity theft report is on file. Would like to dispute this inquiry and have it removed as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: NC

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX accessed my personal credit report. This inquiry is a result of identity theft. Federal Trade Commission Identity theft report is on file, and as a result I have placed an extended fraud alert on my personal credit report. Wish to have this inquiry disputed.

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 2020-12-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to make contact with XXXX XXXX XXXX  to update and resolve the reporting that was being done on my credit report. I discussed over the phone with several agents both XXXX of XXXX and in XXXX of XXXX. The resolutions that were provided to me on the initial phone call in XXXX was never met nor followed through by XXXX XXXX. The company has falsely reported incorrect balances of my account to credit bureaus. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

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 2020-12-24 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: NC

Complaint narrative:
On XX/XX/2020 XXXX accessed my personal credit report. This inquiry is a result of identity theft. Federal Trade Commission Identity theft report is currently on file, and as a result an extended fraud alert was placed on my credit report recently. Wish to dispute this inquiry and have it removed as a result.

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 2020-12-24 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:
I am not aware of XXXX and why there is an account in collections with this amount - I have had no contact from a debt collector via mail, email or phone. I have attempted to reach out to the previous holder of the debt however was refused information regarding the debt itself. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

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 2020-12-24 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: FL

Complaint narrative:
I am not aware of XXXX and why there is an account in collections with this amount - I have had no contact from a debt collector via mail, email or phone. I have attempted to reach out to the previous holder of the debt however was refused information regarding the debt itself. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I CALLED TO HAVE THE FRAUD ALERT REMOVED FROM MY CREDIT FILE AND THE CREDIT BUREAUS CLAIMED THEY NEVER GOT MY PAPERWORK

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 2020-12-24 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: FL

Complaint narrative:
I attempted to make contact with XXXX XXXX XXXX  to update and resolve the reporting that was being done on my credit report. I discussed over the phone with several agents both XXXX of XXXX and in XXXX of XXXX. The resolutions that were provided to me on the initial phone call in XXXX was never met nor followed through by XXXX XXXX. The company has falsely reported incorrect balances of my account to credit bureaus. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have previously attempted to make contact with XXXX which shows on my credit report as a negative and delinquent account. This loan was paid off by XXXX XXXX after the vehicle was deemed totaled and unsalvageable. The remaining balance left was covered by the Gap insurance that was purchased for the vehicle. This account was paid off in full and shows a delinquent status on my credit report. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

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 2020-12-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not aware of XXXX and why there is an account in collections with this amount - I have had no contact from a debt collector via mail, email or phone. I have attempted to reach out to the previous holder of the debt however was refused information regarding the debt itself. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

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 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have previously attempted to make contact with XXXX which shows on my credit report as a negative and delinquent account. This loan was paid off by XXXX XXXX after the vehicle was deemed totaled and unsalvageable. The remaining balance left was covered by the Gap insurance that was purchased for the vehicle. This account was paid off in full and shows a delinquent status on my credit report. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

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 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have previously attempted to make contact with XXXX which shows on my credit report as a negative and delinquent account. This loan was paid off by XXXX XXXX after the vehicle was deemed totaled and unsalvageable. The remaining balance left was covered by the Gap insurance that was purchased for the vehicle. This account was paid off in full and shows a delinquent status on my credit report. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After finally receiving money from CA EDD, now bank of America EDD account won't allow us to transfer all of the money out to our account. They cap it at $ XXXXweek. We called and got transferred to 4 different people with different instructions and policies. The 4th manager said he remembers a form that we can fill out to transfer all the money out at once, but can not find the form. He recommended that we just send out {$5000.00} a week. We couldn't believe it so called back again with a different representative telling us that there's no such exception with the transfers unless we go to the physical location and they can do it. We spent 30 minutes in line at the bank just to be told that there's a cap of $ XXXXweek when we do it at the physical location. We got so frustrated and filed a complaint with " Consumer Financial Protection Bureau ''. The representative contacted us after a couple days, got the story and said she would email us. It's been 4 days and we called twice to follow up with no return phone calls and no email nor resolution. Our money is still stuck with Bank of America. This is madness that after the state screws up and delays, then it's the bank 's turn to hold our money hostage during this whole pandemic. We are forced to use Bank of America through EDD and it's not a choice. EDD automatically transfers the money and provide us with a debit card with this bank of America. Not sure why they don't just allow us to do direct deposit into our personal accounts. I am also concerned of keeping my money in the Bank of America EDD account for long as the news have been reporting a lot more theft associated with these accounts. I also don't want to be providing a 0 % loan to bank of America. Whenever we do something late there's always charges associated, but when the bank screws up the consumers also pay the price. This incompetence and callousness has to stop. I need resolution ASAP and not in a month due to the bank 's incompetence.

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