vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 or XX/XX/2020, I went to the XXXX  car lot located on XXXX XXXX XXXX TX XXXX in XXXX Tx with my girlfriend wanting to get estimates on what it would take to purchase a truck with them. We were working with a new sales agent who told us that we could get purchase estimates without having to pull our credit. We said ok cool. She went to speak with her XXXX XXXX whom then came over and told us that they need to pull our credit to get the best estimates for us. We specifically told XXXX that if we were to finance, we would finance through XXXX XXXX or XXXX. We specifically asked that they only run our credit through XXXX. We also specifically asked and verified that there would only be 1 inquiry placed on my credit report. XXXX told us that yes it would only be 1 inquiry. As they went to run my credit, I received notifications from my credit monitoring service saying that my credit has been pulled several times from companies that we never authorized. Not 1 of the inquiries was for XXXX. All of the inquiries were from other unauthorized companies. We never authorized these companies to obtain a copy of my credit report. The unauthorized companies are XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They apologized for the mistake and basically told us there was nothing they can do. We requested something in writing stating that we did not authorize those inquiries and that it was a mistake on their end but they would not provide that. I would like for these unauthorized inquiries to be removed from my credit report immediately.

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 2020-10-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XXXX, I received a letter in the mail. When opening the letter i realized I received a US Bank Reliacard XXXX XXXX card in my name. The back of the card states it is from the Ohio Unemployment Insurance Program. I am not a Ohio State resident and I have never filed for unemployment. I would like to file this and cancel the card, but every time I call the US Bank number, i can not get through.

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 2020-10-28 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2018, I discovered multiple unknown accounts on my credit report, right after I had no other reason but to believe that I was a victim of Identity Theft, so I filed a Police Report and started disputing the inaccurate information on my credit report. Some months went by and I was able to remove the accounts that were not mine. Not too long ago I started receiving collection letters regarding one of the accounts that were on my report and obviously part of XXXX, I disputed with the collection agency and they stop collecting on it, unfortunately, just a few days ago I did my regular review on my credit report and found out that a new collection came up trying to collect on the same account that I had been dealing with in the past, the new collection name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Dovenmuehle is a very unorganized establishment, Ive gotten three different payment plans during the covid reliefs program. They have all been inaccurate and nobody at the company can give me a straight answer as to when Im to resume payments. Ive asked to speak to supervisors on multiple occasions and they tell me they can not transfer someone to one. I would have to schedule a call back, Ive done that and still havent received the call back a week and a half after it was scheduled. They dont take peoples lively hood into consideration. These are serious matters with very untrained unfriendly staff. Ive never missed a payment before this and dont want this to hit my credit as a late payment and ruin the track record that Ive had. Every letter has different amounts thats to be deferred, different amount of payments being deferred & different due dates. Out of three representatives, none of them have had consistent information and talked to me as if I was the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: AL

Complaint narrative:
C

ontacted Vance and Huffman about false report on my credit report. Asked them to identify the original creditor and produce original contract or signed promissory note. They failed to provide me with said documents. They only provided attached letter produced by their office. I have no knowledge of this debt nor account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
No matter how this is dealt with Im going to keep fighting now that I know my rights because I am being truthful & I have evidence regarding the hospitalization after the XXXX & the XXXX & the medication I was on, I have proof that my XXXX XXXX was not the score that santander gave me, I did not have any income & I never signed any document stating I agreed to a {$500.00} plus dollar car note. At the time of me getting this car I was a single mother that was recovering from a accident XX/XX/18 that totaled my car where I could not work ( I had a law suit that can verify that ) paying {$390.00} for car note {$1200.00} for rent, XXXX utilities, {$250.00} for insurance and more, {$200.00} cell bill, I still had a XXXX car note that had not been settled, unemployed for 2 months with a XXXX XXXX of XXXX. XXXX dealerships & all their lending partners turned me down & ran my credit including my own personal bank, but somehow Santander approved me with terrible credit, no Proof of income that I was able to make the payment, no money XXXX & a terrible debt to income ratio because I had literally been laid off for 2 months and I had an outstanding balance of XXXX on my previous car on my record .... somethings not right about that. Then they charged me {$200.00} more than what I was told per month & I was advised my the sales person to keep quiet once I got the bill in XXXX because really I wasnt suppose to qualify and Id be out of transportation .... this was manipulation & a terrible sales tactic. thats not right at all & I will not allow myself to be taken advantage of. I did not sign any documents especially none for {$560.00} a month. I know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OK

Complaint narrative:
Amerihome Mortgage/XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX, NJ XXXX Property address : XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX My home went to sheriff 's sale on XX/XX/XXXX My home sold for more than $ 32,000+ more than what was owed Plaintiff 's ( Amerihome Mortgage ) Attorneys disbursed {$130000.00} to Amerihome which covered all Principle ( {$110000.00} ) & Interest ( from XX/XX/XXXX - $ {$6900.00} ) MIP/PMI ( {$230.00} ) Late Fees ( {$95.00} ) Recording fees ( {$13.00} ) Escrow Advances ( {$5800.00} ) Foreclosure attorney fees ( {$2200.00} ) Process Service Costs ( {$320.00} ) Court Costs ( {$1000.00} ) Publications ( {$500.00} ) Corporate Advances ( {$1900.00} ) Totaling {$130000.00} My homeowners insurance carrier ( XXXX ) issued a check for escrow overages for {$2100.00} on XX/XX/XXXX which they stated ( and maintain ) is owed to me but were legally required to send it to Amerihome/XXXX  ( mortgage company ) first and that Amerihome/XXXX  was to issue that same amount to me immediately upon receipt. 

I have called Amerihome/XXXX  dozens upon dozens of times to have the funds issued to me. I was told : XX/XX/XXXX that the check was issued and to expect it in 7/10 business days. On XX/XX/XXXX Amerihome/XXXX stated to wait a few more days due to Covid-19. 
On XX/XX/XXXX ( another phone call I made, lasted 3 hrs wait time ) I was told there was an FHA issue and that a specialist had to clear a code on their computers to issue the check, completion date was to be XX/XX/XXXX. I called again XX/XX/XXXX and was told it would be cleared by XX/XX/XXXX. I called again XX/XX/XXXX and told it was pushed to XX/XX/XXXX. I called again on or about XX/XX/XXXX and was told ( after multiple other calls where I was hung up on, transferred to multiple departments, promised a supervisor call back, none of which ever came to fruition ) that I would have to send a Qualified Written Request letter to a PO Box in New Jersey to have it resolved.

I am forwarding this same complaint letter to Amerihome/XXXX  at the Qualified Written Request PO Box detailing the aforementioned. 

In addition to the {$2100.00} I expect to be compensated for time. My company charges $ XXXX/hr for my expertise. I have logged over eight hours of working time spent following up on getting my escrow refund with Amerihome/XXXX  during business hours, totaling {$8800.00}. Combined Amerihome/XXXX  should pay me {$10000.00}. 

I expect Amerihome/XXXX  to release my funds and issue a check written to me immediately. 

Please confirm receipt and provide details as to next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I attempted to make a {$200.00} withdrawal from a Citizens bank ATM which was declined due to an equipment error by the ATM unit. The next morning I saw that my account had been debited the {$200.00} which I never received. I attempted to resolve the situation in telephone calls to Citizen 's Bank on XX/XX/XXXX and again on XX/XX/XXXX but was told that their " investigation '' was ongoing and that I would need to wait until XX/XX/XXXX before the funds I never received would be credited back to my account. 

If Citizens Bank is doing this to me, then they are definitely doing it to other people who can not afford {$200.00} being taken from their account by their bank 's malfunctioning ATM machines and I hope that CFPB can help correct this gross deficiency by this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt that is not owed. I never had this company as a credit card. I tried contacting XXXX XXXX to remove fraud account. I completed fraud packet and FTC reporting of this company. 


This company is reporting a fraud account knowingly. Ive been a victim of identity theft since 2008. Ive provided all documentation necessary to have this fraud account removed. This company gives you the run around and says account to old to identify when you call but will not take fraud account off of my report even though it is fraud and they can not validate this account. 
Please remove from my credit bureau reporting as Ive followed all FCRA guidelines to have this fraud account removed. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt that is not owed. I never had this company as a credit card. I tried contacting XXXX XXXX to remove fraud account. I completed fraud packet and FTC reporting of this company. 


This company is reporting a fraud account knowingly. Ive been a victim of identity theft since 2008. Ive provided all documentation necessary to have this fraud account removed. This company gives you the run around and says account to old to identify when you call but will not take fraud account off of my report even though it is fraud and they can not validate this account. 
Please remove from my credit bureau reporting as Ive followed all FCRA guidelines to have this fraud account removed. Thanks

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 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: NY

Complaint narrative:
My mortgage company did not pay my property taxes on time. I closed on a new construction house XXXX of XXXX. My builder built XXXX identical houses on a larger lot. As we did not close on the property until the middle of the tax year, my lot was not formally split off from the original lot by the tax assessors office until XXXX tax year. This was not caught by the mortgage company during the closing process. As a result I had to continue to pay into my escrow account all year despite the mortgage company refusing to pay my first year of taxes. I then had to personally reimburse my neighbors for our shared property taxes for the original lot. In XXXX of XXXX I received documentation from the tax assessor that the lots were split for the upcoming tax year. I sent a copy of that letter by both physical mail and email so that the mortgage company had the updated information. When it came time for the school tax bill to be paid by XX/XX/XXXX, I was still receiving notices from my bank that my property had not been split from the lot. I messaged them on XX/XX/XXXX through their secure message center with the updated bill amount. When I hadn't received any response by XX/XX/XXXX, I called them directly to check the status. I was told the bill had been received and that a work order was opened to request payment of the bill. I finally received a reply through the secure message center on XX/XX/XXXX stating the property was still listed as To Be XXXX and that a bill had not been received, which was in contrast to what I was told on my last phone call. On XX/XX/XXXX, I received a notice from my city 's tax authority that my tax bill was unpaid. I mailed a physical copy of the updated bill and emailed to the customer service address given to my by my mortgage company. After another week went by, I called the company again and all that they could tell me was that there was still an open work order to request payment of my bill. They could not verify the receipt of either copy of the bill I sent through physical mail or email. They assured me that the bill " would be paid '' but could not give me any timeline on if it'd be paid in time to avoid any further penalty. I'm frustrated because I've been in communication multiple times about these tax issues over the year and a half that I've had my house. Every person I talk to seems to have no record of my previous conversations and there documentation on their side is severely lacking. I'm concerned that there is no safe way to send in documents to the company without risking them being lost in the process. They have not proved to me that they are adequately equipped to handle the finances involved with my property and I'm concerned about my finances and credit being impacted by their inability to communicate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Weekly I am receiving calls from this company that identifies itself as HRRG ( Phone : XXXX ), and he insists that I must give personal information, when I refuse they hang up the call. 
Today I decided to attend them and find out what it was about and she told me that from my visit to the XXXX on XX/XX/2019, I was left with a debt of {$240.00}. I clarified that I did not leave any debt from that visit, first because my insurance was from the company and it covered me 100 % and that I also contacted the Hospital at that time so as not to leave any debt. 
To which he replied that the debt was now with XXXX XXXX XXXX. 
I told him that I do not recognize any debt with this place and how it was that first it was from the Hospital and now with this company. When I asked him for more information about this company, he replied that I must give him more personal information, so I hung up the call.

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 2020-10-28 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I had a loan for a car through Ally Financial. I paid my loan off on XXXX. After many attempts to receive my title I have now learned that they issued my car title to another customer, a car dealership in North Carolina. I have been reaching out to the customer service department weekly trying to resolve issue but I'm not getting anywhere. I have filed a complaint with the XXXX  which elevated my customer service level but still nothing and now they are not returning calls. Last returned call XXXX in customer service stated that she doesn't have an answer to fixing this issue.

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 2020-10-28 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:
After reviewing currently documents received from " Experian '' in reference to an account under the name : XXXX XXXX XXXX XXXX. 

According to Experian : the company has some how verified this account. Of which resulted were not satisfied. As a result of this response Experian response. I hereby challenge the company methods of verification under federal law section 609 ( b ).

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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Paid to settle this account XX/XX/XXXX Theyre reporting it to be settled XX/XX/XXXX They also reported a Charge-off in XXXX, one month after the account was settled. 
Too many inconsistent reports on 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 explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I WANT TO HAVE THESE PRODUCTS REMOVE ASAP

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