vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from 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 2021-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
XXXX Freedom Mortgage acquired our mortgage for XXXX XXXX. XX/XX/XXXX our mortgage payment increased by {$110.00} to cover a shortage in the escrow. Freedom Mortgage would not provide a reason, and referred us to the insurance company. The insurance company said it was 'inflation '. We revisited this question with Freedom Mortgage and we were told that our property taxes had doubled. Upon contacting the local tax office, that was not the case. We were told that we have only have to pay {$110.00} for 6 months to cover the shortfall. We should have had an excess balance in escrow, we did not. In XX/XX/XXXX, XXXX XXXX raised our insurance policy by {$700.00}. We changed our insurance to XXXX starting XX/XX/XXXX. By this time, FM had already paid the yearly insurance payment to XXXX. XXXX sent a check to us in XX/XX/XXXX. We paid FM that {$1900.00} to cover the new insurance payment to XXXX as they had already invoiced FM. FM did not pay XXXX until XXXX of XXXX. In XXXX, FM has increased our mortgage payment by another {$180.00} stating that we were short on escrow again. Upon further examination on the FM website the {$1900.00} was credited to our account, however the paper statements do not show that deposit. Presently, FM has requested that we prove to them that we paid them the {$1900.00} in XXXX of XXXX, even though their online system shows that they have received it. Our mortgage has increased by {$300.00} in 3 years. I have filed a complaint with the 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 2021-02-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A balance is reporting on my Chase account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with Chase and they have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A balance is reporting on my XXXX  account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with XXXX and they have failed to correct it.

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 2021-02-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A balance is reporting on my XXXX  account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with XXXX and they have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Carrington Mortgage has a late payment showing for the month of XX/XX/XXXX that I totally disagree and it is effecting my credit report. 

There was an error received on their website the day that I was trying to make my payment as I usually do each month and it was not allowing my payment to be processed. Since switching over from XXXX in XX/XX/XXXX. I have not been late since XX/XX/XXXX. When i contacted them they stated that payment went through on the XXXX that caused my account to be 30 days late and that there wasn't anything they could do for me. After explaining to the customer service rep repeatedly that it was an error on their site that caused the issue, she became non responsive in resolving the matter. I am coming to you to see if there is any assistance that you could help get this late payment removed. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A balance is reporting on my Capital One account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with Capital One and they have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DRS Financial LLC
State: NJ

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: LD Holdings Group, LLC
State: CA

Complaint narrative:
A balance is reporting on my Loan Depot account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with Loan Depot and they have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 — Problem with personal statement of dispute
Company: AES/PHEAA
State: CT

Complaint narrative:
Latest dispute date : XX/XX/21 and results on XXXX account has been disputed several times ; the disputes are investigated with results stating that information is accurate and that Ive agreed to these terms. That is incorrect, I do not agree. All other student loans I had between XXXX were closed. This is the only one that keeps XXXX  me. Furthermore, the government has forgiven student loans ; During the pandemic, the government has stopped payments ( including interest ) on student loans till XX/XX/21. Please have this investigated and removed from my name. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bureau of Accounts Control
State: NJ

Complaint narrative:
In XX/XX/2020 debt collector contacted me on be half of original creditor ( XXXX XXXX XXXX ) apartment owner. The debt collector claimed I have unpaid amount of {$590.00}. Right away I checked on my bank account and saw the image of cleared check. The snapshot of the check has handwriting mark of check depositor with my apartment name on it. I contacted the XXXX XXXX XXXX to confirm, they confirmed I do not have unpaid dues. In XXXX, I received few calls from debt collector which I didn't answer since I was out of country and they left me a voicemail. 

Inspite of explaining debt collector and confirming with original debt collector. They filed a complain against me on credit report. Now they have ruined my history. Very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CA

Complaint narrative:
A balance is reporting on my XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with XXXX and they have failed to correct it.

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 2021-02-24 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: CA

Complaint narrative:
A balance is reporting on my XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with XXXX XXXX and they have failed to correct it.

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 2021-02-24 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: CA

Complaint narrative:
A balance is reporting on my XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with XXXX XXXX and they have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: ND

Complaint narrative:
We are in the process of refinancing and can not get the correct payoff from Dovenmuehle after several unsuccessful attempts to communicate with them. The issues stems from their failure to correctly manage our escrow which they misspent and demonstrates us in a negative balance which has increased our pay off amount. 

My husband ( a XXXX veteran ) and I have recently worked with a new lender and secured a much lower interest rate for a refinancing opportunity. However, the new institution we are working with can not receive the correct pay-off amount from Dovenmuehle Bank which has caused us to request ( and pay for ) a rate lock extension. I have tried over the last 2 weeks with at least 10 separate attempts to communicate with Dovenmuehle to receive a correct pay off amount simply to be placed on hold for hours with no results, disconnected, or outright provided incorrect information. We fear, based on current communication impasses with Dovenmuehle, we have the potential to lose the refinance interest rate we are locked into. This would result in us losing thousands of dollars due to Dovenmuehle 's negligence. 

In XXXX I was checking with our local county to verify our property taxes, I ( not Dovenmuhle ) discovered they had used our escrow to pay another homes property taxes. This discovery began a long two month process with the same failure to receive information, speak to someone with authority to impact the situation or attain any results to rectify the issues with our local county tax department. 

The issue from the tax fiasco is the contributing factor to our current unresolved issue. We currently have an escrow balance of {$1800.00}. This amount is correct and is shown on our recent escrow analysis. However, the payoff statements we receive are showing our escrow is still in the negative because they have not correctly rectified their mistake with our money. The negative escrow balance of {$4100.00} they are showing has increased our payoff amount. We simply want to have them correct their records and provide our new lender and us with a corrected pay off amount in time to secure the refinance interest rate so we can leave the nightmare they have created.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I cancelled my hazard insurance with XXXX effective XX/XX/XXXX and started a policy with XXXX effective XX/XX/XXXX believing it would be a smooth transition. 

I received a letter on XX/XX/XXXX from Mr. Cooper informing me they had not received documentation on the new policy. The same day I uploaded the documentation from XXXX. 

After multiple phone calls I am still being threatened with paying for 3rd party coverage on XX/XX/XXXX and XX/XX/XXXX even after they have received and processed my documentation. They do not dispute that I had coverage on XX/XX/XXXX and for part of the day on XX/XX/XXXX. 

In short, they are continously threatening me in writing with adding coverage for XX/XX/XXXX on my home despite acknowledging valid and acceptable coverage was on the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was only an authorized user on this XXXX account. I demand this account be fully removed from my credit reports as I was never liable for it.

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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was only an authorized user on this Target account. I demand this account be fully removed from my credit reports as I was never liable for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). the following accounts are listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX , DEPT OF ED/XXXX # XXXX, DEPT OF ED/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 2021-02-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was only an authorized user on this XXXX  account. I demand this account be fully removed from my credit reports as I was never liable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
This letter is to inform you that the following information in my credit file needs to be deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Acima Credit XXXX XXXX lease Charge-off XX/XX/2018 {$730.00} XXXX company removed from report and reported again on XXXX. No further information reported at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: GA

Complaint narrative:
BETTWEEN XXXX TILL XX/XX/XXXX I RECIVED NET SPEND VISA AND MASTER CARDS ALSO ALL ACCESS NET SPEND CARDS FIRST HAD A PROBLEM LOGGING IN THEN SOME OF MY CARDS WERE NOT ACTIVATED YEAH RIGHT THEN I COULD NEVER GET ANY INFORMATION BOUT MY DEPOIST I WAS TOLD TO CALL USA GOV USA GOV GAVE ME NETSPEND NUMBER WAS TOLD THEY HAVE ALL THE INFORMATION ABOUT MY ACCT STILL U HAVE A DEPOSIT TO MA U NEVER HAD A DEPOSIT CONTACT THE ONE U ARE SUPPOSE TO BE RECECING BENEFITS META BANK TOLD ME THE SAME SO I GOT TIRED OF THE BACK AND FORTH I APPLIED FOR THE BENEFITS CAUSE I REALLY NEED THEM SECOND TIME WOW CAN U PLEASE HELP ME OH I JUST CLOSED MY ACCTS

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 2021-02-24 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: CA

Complaint narrative:
A balance is reporting on my XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with XXXX XXXX and they have failed to correct it.

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 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit Collections contacted me multiple times for weeks. I answered the following # ( XXXX ) XXXX XX/XX/2021 to find out they were asking to collect debt for equipment I allegedly owe with XXXX  upon asking for proof/invoice/evidence they could not provide me with any and informed me an email would be sent out but never received. I reached out directly to XXXX  billing and was informed that there is no debt on any of my past/current accounts and was informed that unless they could provide me with proof to dispute it. I contacted Southwest credit collections with that information and began to have go in circles with them they said they could not send out info but that I did owe and were making false dates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: IA

Complaint narrative:
DEBT RECOVERY SOLUTIONS has reported to my credit report of a collections account that has started appearing on it as of today. I have no idea what this debt is, nor received ANY form of notification of this by mail or phone that a " debt '' was due and owing. It appeared on my XXXX credit report on XX/XX/XXXX, with a opening date of XX/XX/XXXX. This is false information, as I have no knowledge of any debt from the original creditor of " Check Into Cash ''. Which appears to be some sort of payday loan provider, which I do not have any knowledge of obtaining any payday loan of any sort. This original account is over the statute of limitations for California, as well as being past the time in which it is allowable to be reported to my credit reports. The information showing on my credit report is as follows Account : Account # XXXX Alleged balance : {$6000.00} Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.

Company response to consumer: Closed with explanation