vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: IA

Complaint narrative:
This company is poorly managed and unaccountable for anything. 

I emailed the company on XXXX, to ask if I could set up automatic payments on the XXXX and XXXX of each month because that is not an option on their online bill pay. As of XXXX, I still have not received a response. 

On XXXX, I received an email from XXXX XXXX about refinancing my mortgage to a lower interest rate. on XXXX, I responded to XXXX by repeating my request to be removed from their marketing list. I told him ( again ) that I am not interested in doing any further business with this company. XXXX, XXXX confirmed he was removing me from that list. XXXX, I received another offer to refinance my mortgage with them. 

I told XXXX and his brother ( I can not recall his name right now ), during the closing process and after we closed that I am completely disgusted by this company and will not do business with them in the future. I was very clear about not wanting to receive any sales or marketing attempts from them and that I wanted to be removed from selling or sharing my information with anybody. 

Please advise if this should be a second complaint : My closing process was drawn out with them. They were unable to manage the paperwork and sent forms with incorrect mortgage rates on them to the notary, who was helping me sign the paperwork. Had I not been paying attention, I would currently be paying a higher rate than we negotiated. I'd like my entire loan application and paperwork reviewed by the CFPB - recommend reviewing all VA Loans, at a minimum. 

This company makes it difficult to communicate with anybody, to inquire about anything, or to gain any sort of ethical assuredness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: U.S. BANCORP
State: MN

Complaint narrative:
For at least three years now I have been trying to get credit files to reflect that I have a mortgage. When I divorced in XX/XX/XXXX it was agreed by ex husband and myself and done legally that the house was mine. I cleared the title to reflect that and further due to domestic violence it was so ordered he could never come into the house. He left Minnesota and remarried. On XX/XX/XXXX he passed away. Still the US Bank wouldnt take his name off mortgage. But that isnt the whole problem- the credit files have the wrong account number and I can no longer dispute this with them. It stands as paid off and closed. I even sent XXXX an original bill. But they refuse to change it. Us Bank stated the account number is in error. Now I would like to repair my house but this along with other in accurate information in files has stopped me. A big chunk of my retirement money goes to the mortgage and I need it corrected. I also want to note here that I have identity theft and that I have not filed bankruptcy- which is one of the numerous reasons that US Bank has given as to why they do not report to credit bureaus and as I stated my ex husband has passed away. He had filed bankruptcy. Also my identity theft is linked to this as I have a stalker/cyber and I know who it is. There are many more issues with credit bureaus ( double accounts, accounts open and closed at the same time ) but if I can get your help on this issue I can move to the next problem

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 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: MO

Complaint narrative:
XXXX reported on XX/XX/21 that i have a collection account reported from XXXX XXXX, GA in the amount of {$1400.00} which not belongs to me and i never got any communication with this collection company ever until i seen in my Credit Report. 
This collection co. violated the federal law as consumer should notified before reporting to credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to submit a dispute with Experian over fraudulent information reporting on my file. I have submitted all documentation to have the fraudulent information blocked yet Experian keeps responding with a false response saying : 1. One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc. 
2. Specific dates such as when the loss or theft of personal information occurred or when the fraud ( s ) occurred, How you discovered or learned of the theft, Any known information about the perpetrator, The names of creditors and account numbers involved in the theft ; Name and/or badge number of the law enforcement personnel who processed the report, The filing date and case number. 
3. It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. 

This is false as I will attach the exact documentation that I sent to Experian over 50 times. These accounts are fraud.

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 2021-01-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CITI CARDS XXXX XXXX Date XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2021-01-25 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:
I paid off my auto loan 2 years early. Mailed $ XXXX check. A week later received payoff letter and new title in my name. Bank reported it twice one was correct paid in full. The second was wrong charge off. Dispites 3 letters over 90 days. The bank failed to correct my credit report. All three CR Agencies also failed to correct my CR.. both letter campaigns included my proof ... 

My check was good, but if it was not Bank never indicated any problem with my check, never returned my check or claimed check was bad, no collection, but continued to status it as charge off I look forward to hearing from you soon. 

Sincerely 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 non-monetary relief
Consumer complaint received 2021-01-25 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:
I paid off my auto loan 2 years early. Mailed $ XXXX check. A week later received payoff letter and new title in my name. Bank reported it twice one was correct paid in full. The second was wrong charge off. Dispites 3 letters over 90 days. The bank failed to correct my credit report. All three CR Agencies also failed to correct my CR.. both letter campaigns included my proof ... 

My check was good, but if it was not Bank never indicated any problem with my check, never returned my check or claimed check was bad, no collection, but continued to status it as charge off I look forward to hearing from you soon. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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:
I paid off my auto loan 2 years early. Mailed $ XXXX check. A week later received payoff letter and new title in my name. Bank reported it twice one was correct paid in full. The second was wrong charge off. Dispites 3 letters over 90 days. The bank failed to correct my credit report. All three CR Agencies also failed to correct my CR.. both letter campaigns included my proof ... 

My check was good, but if it was not Bank never indicated any problem with my check, never returned my check or claimed check was bad, no collection, but continued to status it as charge off I look forward to hearing from you soon. 

Sincerely 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 2021-01-25 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, ALLY FINANCIAL, INC Inquiry : XXXX. XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2021-01-25 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: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX Checking my report today and I noticed someone used my information to call about some stuff without my consent I never gave nor know about. I focus hard on making sure my credit is good to support my family and as you know under the Fair Credit Reporting Act anything reporting inaccurate on my account should be removed. Please do not add any remarks to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 XX/XX/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 2021-01-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted XXXX  and Experian previously and asked them to remove this account from my report as it does not accurately state any information at all. 
I have notified XXXX as well as XXXX XXXX County of this reporting and both state that they do not report to any credit bureaus and that they are falsely reporting this information. 
Each time I have reported this and made a complaint, it is closed with no real investigation. 
You are violating my rights by reporting false information. 

Please remove this account from my reports.

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 2021-01-25 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Transunion and XXXX  previously and asked them to remove this account from my report as it does not accurately state any information at all. 
I have notified XXXX as well as XXXX XXXX County of this reporting and both state that they do not report to any credit bureaus and that they are falsely reporting this information. 
Each time I have reported this and made a complaint, it is closed with no real investigation. 
You are violating my rights by reporting false information. 

Please remove this account from my reports.

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 2021-01-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
We have a home equity loan that was opened for 15yrs with automatic payments withdrawn. The loan was set to end in XXXX, XXXX and I believed that the final payment would be taken from our checking as it had been for all others. I called TD to confirm that the account would be paid and closed but was unaware that the last payment needed to be in the form of a check. In the call the representative did not advise me that a physical check needed to be sent. On XX/XX/XXXX, after receiving a foreclosure statement for {$510.00}, I spoke with a TD representative and explained the situation. I received a pay off quote and made the final payment while on the phone. The representative indicated that TD would remove any delinquency involved with the last payment balance, the debt was paid in full and the loan would be closed.The call took over 2hrs to complete. In XXXX, I received another foreclosure statement with a balance of {$25.00} which consisted of {$.00} in residual interest and a {$25.00} late fee. After spending over 2 1/2 hours on hold and talking to representatives, I was told that the {$.00} was residual finance charges that should not have been assessed. They would take care of the {$25.00} balance and clear any associated delinquency. Today, XX/XX/XXXX, I received a Suspension of Statements & Notice of Charge Off, my mortgage loan has been charged off in the amount of {$25.00}. I called TD again, went through multiple agents, who indicated they could see all of the notes and calls but would need to refer this to a manager to look at and decide what is next. We have been loyal TD customers for over 20 years, have multiple accounts and have faithfully paid any debt that we have with them. I am asking for your help in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I made the purchase of {$6500.00} on XXXX XX/XX/2020 during double reward period on XXXX using their credit card issued by Synchrony bank. The credit card agent and sale confirmed that I'm eligible for the 20 % reward and should have received the reward of {$1200.00} by XX/XX/2020. However, i only received half of the reward and still have the other half missing, which is {$640.00}. I submitted request to Synchrony resolution department in XX/XX/2020 and was confirmed by their agent in early XX/XX/2020 that i should expect the missing reward of {$640.00} in XX/XX/2020 or XX/XX/2020. Now I contacted their customer service again and they told me that they can do anything but letting me wait for 2 more months.

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 2021-01-25 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I have no knowledge. This was a result of malpractice or an error.

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 2021-01-25 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: FC HoldCo LLC
State: GA

Complaint narrative:
There are inaccuracies on my credit reports.

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 2021-01-25 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: GA

Complaint narrative:
XXXX XXXX XXXX On XX/XX/XXXX i reached out to Experian because the date of last activity shows XX/XX/XXXX on Experian but on XXXX shows XX/XX/XXXX. The date of status in the report they sent to me shows XX/XX/XXXX with payment history starting on XX/XX/XXXX which is over 90 days for when it was opened. The balance on this Collection continues to increase with my credit report on XX/XX/XXXX has a balance on XXXX of {$4900.00} and Experian has a balance of {$5000.00}. The report sent by Experian does not show the required Disputed notes on the account and shows a balance of {$5000.00}. How is this collection account showing in a closed status with the balance increasing every month? In the account history you sent to me shows every month the BALANCE has been increasing. 

This account is inaccurate and needs to be deleted immediately XXXX XXXX XXXX XXXX On XX/XX/XXXX I reached out to Experian because the High balance on this account is {$2500.00} with a balance owed of {$2300.00}. Experian responded XX/XX/XXXX stating the account was charged off for {$1700.00} but has a past due balance of {$2300.00} but no answer to how the high balance would be {$2500.00} or how an account can have a past due balance of {$2300.00} when it was charged off for {$1700.00}. The date of status in the report they sent to me on XX/XX/XXXX with the payment history shows 30 days late XX/XX/XXXX and 60 days Late on XX/XX/XXXX, C on XX/XX/XXXX and then CO XX/XX/XXXX. The information does not add up on this account. 

This account is questionable with a High balance of {$2500.00}, Charge off balance of {$1700.00} and a past due balance of {$2300.00}. This account is also missing the required Disputed Remarks which is a violation. Please delete this inaccurate unverifiable account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation