vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 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: CITIBANK, N.A.
State: PA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to  the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to  sue in the mail, because I will have no choice but to take legal action.

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 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
{$110000.00} was borrowed from TIAA Bank in XX/XX/XXXX. Six regular payments were made on the loan for the months XXXX to XXXX as per the agreement with TIAA. 

I requested a payoff quote from TIAA on XX/XX/XXXX. The payoff amount in the letter of {$110000.00} was good thru XX/XX/XXXX. The pay off was broken into {$110000.00} unpaid principal, {$750.00} in interest thru XX/XX/XXXX, and a recording fee of {$55.00}. 

On XX/XX/XXXX, two checks totaling {$110000.00} were delivered by XXXX XXXX XXXX XXXX and received by TIAA bank. TIAA posted one check on the XXXX and chose to not post the other check until XX/XX/XXXX. Even if the payment was applied a day late, the additional interest per diem is noted as {$16.00}. 

TIAA did not close out my mortgage. Rather than pay off my loan, TIAA bank charged me {$1500.00} in XXXX interest, which is three times the normal interest amount. They deposited {$1700.00} into their escrow account, again three times the normal amount. The balance of the payoff amount, noted above, was applied to principle. I never was called by TIAA with questions. 

When I attempted to resolve this with XXXX ( emp # XXXX ) and XXXX XXXX from TIAA, the resolution was for me to pay an additional {$1300.00} plus a recording fee of {$55.00}. These amounts are on top of the amounts already paid. 

To my surprise, on XX/XX/XXXX, TIAA sent me an email stating they had paid an insurance premium in the amount of {$1000.00}. This email is what caused me to start looking into the issue. Further, the provider that was supposedly paid by TIAA called on XX/XX/XXXX, stating that the insurance was to be canceled for non-payment if not paid by XX/XX/XXXX. I had to pay the {$1000.00} out of my pocket rather than the escrow. It's unclear if TIAA sent the check or not. We are out yet another {$1000.00} because of TIAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: FL

Complaint narrative:
I sent a dispute letter to ( XXXX ) XXXX XXXX   XXXX, or XXXX XXXX XXXX on XX/XX/2020 via USPS signature confirmation, tracking number ( XXXX ), for validation of their reported debt. Thirty-five days have elapsed and I have received no response from the company and they have yet to remove the collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Since my lease ended with GM Financial, the amount owed at the end of the lease has changed three times. 

Initially I was sent a bill for {$1300.00} but it did not include details on the inspection results for excess wear and tear. I called to get the details and reviewed the inspection results with the agent on a site they use. During the discussion we determined that the amount shown in the inspection did not match the amount shown as due to GM Financial. I was instructed by the agent to wait a couple of weeks while they requested a correction/confirmation of the actual amount due. 

After waiting couple weeks, I checked the amount owed on the site and it now showed {$0.00} due. When I called in to confirm if the amount due was correct, I was informed to disregard the amount as it was incorrect. Once the pending adjustments were made, I would receive a new bill for the final amount. I never received the bill. 

On XX/XX/2020, I checked the site again and it now showed that I owed {$810.00}. That day, I paid {$410.00} towards the amount due so it would leave me with a final payment of {$400.00}. 

When I checked the site again, it now showed that I owed {$800.00} by XX/XX/2020. I once again called to confirm since the prior amount it had shown was {$810.00} and with the payment I made, it should reflect only {$400.00} due by XX/XX/2020 and not {$800.00}. 
I was told to disregard the amount shown and that I indeed only had to pay {$400.00}. 

Today I logged in to the site to make the final payment of {$400.00} which was agreed upon previously. However, the site still shows that I owe {$800.00} by XX/XX/2020. I once again called to confirm what the correct amount due. The agent confirmed that I needed to pay only {$400.00} and that I should disregard what showed on the site. 

While she agreed that the site can be inaccurate, she indicated that they were providing payment information online as a courtesy. They were under no obligation to show the correct amount on the site and that the correct amount due was told to me when I called in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
We have been trying to complete a short sale with Faye Servicing since XX/XX/2020. Please see the attached synopsis of what has taken place. 

Due to Fay Servicing not responding in a timely manner throughout the process we are now against the wall with a foreclosure sale date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: The Outsource Group, Inc
State: IL

Complaint narrative:
Im highly dissatisfied with the experience I am getting with XXXX and Medicredit. On XX/XX/2020 I notified XXXX that it was multiple errors with Medicredit. They responded saying the information was correct and verified with Medicredit. So, I tried to contact Medicredit and I had no response, so I began to ask XXXX  what their procedures is. They then told me they contacted them to verify everything, I was still shocked because Ive yet to get in contact with Medicredit. The other Bureaus was not able to contact them, so they removed the information. So, this puts me a great belief they never contacted Medicredit. XXXX did not want to investigate the matter again until I let them know I was contacting Medicredit, with no successful response. They then responded with it has been verified. Once again Medicredit has not responded and has violated the law, how is it XXXX is verifying information? 

Please also find attached to this letters sent to XXXX  along with Medicredit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: EMCC Holdings, LLC
State: PA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of XXXX {$1000.00} XXXX per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the  investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got 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 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
I have repeatedly told this company to stop calling because I am in the hospital. Not only are they calling me multiple times a day, they have called all my relatives and disclosed they were going to sue me and questioned them extensively about my hospital status, which is none of their business. The main person that keeps calling is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NJ

Complaint narrative:
allied collection services is saying i owe them {$430.00}. they have negatively impacted my credit report with this false item. i dont owe them anything at all. i dont recognize this debt. they are trying to collect a debt not mine

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 2020-09-11 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: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got 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 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had locked all 3 of my credit reporting accounts. On XX/XX/2020 my son ask if I could co-sign for a truck. I could unlock my account online with 2 of the agencies. Experian tells me that I have to request in writing with 2 bills listing my current address. BUT, as soon as I sign up for their service there is no problem I can have my account unlocked immediately. We have gone thru the {$4.00} first month and {$24.00} for the second month. Today ( XX/XX/2020 ) I canceled the account online. I received an email stating that " When your subscription ends in 27 days, you will no longer be able to lock or unlock your credit report. '' I feel I am being held hostage by these people.

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 2020-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Tried to placeXXXX.on secured credit card at regions bank .teller told me I couldn't after she deposited my XXXX. I withdrew it. I wasn't wanting checks mailed to me or a debit card .just secured credit took m paperwork she gave me burnt it .she took my direct deposit from social security check. I did not give permission for that couldn't find my check. that was over a year ago in XXXX XXXX. Branch in XXXX ga. Where I moved to from XXXX refuses to talk to my about a loan telling me I don't know how much income I have .I know .teller refuses to issue me debit card for twenty for hours so I to a different branch .get the card.this hole time have not been able to do online banking. They have been charging me for every transaction. Just found out last week.

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 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My father died in XXXX.Before he passed he was abused by his fake power of attorney and spouse.My entire family has teamed up against me and my father to steal his bussiness, retirement and estate accounts.Wells fargo opened a mortgage after his death and XXXX XXXX XXXX  XXXX allowed theft as well.Due to this i have been poor my entire life.Never had insurance or a place to live.They are aiding in my suffering to hopefully end my life before they are caught..

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 2020-09-11 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: NC

Complaint narrative:
XXXX  XXXX CLOSED MY ACCOUNT 2 MONTHS AGO. PAID BALANCE IN FULL. 

XXXX XXXX IS NOT ONLY REPORTING A {$140.00} BALANCE TO MY CREDIT REPORT/ 'S BUT IT IS ALSO SHOWING UP ON THE SAME CREDIT REPORT/ 'S THAT I AM NOW 30 DAYS LATE ON MAKING A PAYMENT TO THEM ON A CLOSED ACCOUNT//? ''A CLOSED ACCOUNT '' XXXX  XXXX STATED TO ME THAT IF I DO NOT PAY OFF THE ''INACCURATE BALANCE OF {$140.00} TO THEM. XXXX  XXXX STATED TO ME VIA PHONE THAT WE WILL CONTINUE PINGING YOUR CREDIT IN EXAMPLE ... 30 DAYS LATE..60 DAYS LATE..90 DAYS LATE ETC ... PLEASE HELP ME WITH THIS MATTER. THE ACCOUNT IS CLOSED ... I PAYED IT IN FULL ... I WISH TO NO LONGER DO BUSINESS WITH XXXX  XXXX ... I NEED THIS COMPANY TO STOP! THEY ARE DESTROYING MY CREDIT AS I DO NOT HAVE A MONEY TREE TO SHELL OUT CASH TO THIS COMPANY IN ORDER TO STOP THEIR UNLAWFUL REPORTING TO THE CREDIT AGENCIES IN TERMS OF THE WRONG AMOUNT I DO NOT OWE THEM AND THAT THEY WILL CONTINUE AS IF IT'S A REVOLVING ACOUNT//?? THE ACCOUNT IS CLOSED//THAT WOULD BE A COLLECTION AND OR DEBT OF SUCH A BALANCE NOT A REOCCURRING 30 DAYS..60 DAYS..LATE ETC ... ' '' 'PLEASE HELP '' 'TECHNICALLY THAT IM PRETTY SURE IS EXTORTION WHILE NOT ONLY BEING UNETHICAL BUT IS UNLAWFUL. 

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