vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I purchased a home and refinanced an existing home with Dovenmuehle Mortgage Company. Both homes are on the same insurance policy. Dovenmuehle Mortgage then sold one of my loans to another company. Dovenmuehle Mortgage is still charging me for insurance on 2 houses, instead of one. Situation in numerical form : Cost of Insurance : {$4000.00} What Dovenmuehle is charging me : {$4000.00} What new mortgage company is charging me : {$2000.00} Therefore, I am paying {$6000.00} for a {$4000.00} policy. Dovenmuehle refuses to correct the issue and just keeps sending me a breakdown of my escrow account and assuming that I can't comprehend the purpose of an escrow account. 

Dovenmuehle Mortgage Company caused this issue, therefore, they need to fix this issue. They are wasting my time and my money. My mortgage payment has increased by {$800.00} per month because of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On XX/XX/2020, I purchased a washingmachine using Acima Credit. When the item was delivered, it was defective and not working properly. I immediately contacted the seller who told me it was my problem. I then immediately contacted Acima Credit and asked them to pick up the defective item. Acima Credit stated they would not pick up the item but instead they would offer me a settlement price. I paid the settlement price and Acima Credit listed it on my credit as a negative item. I was never informed that this reflect on me negatively and be reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Received a credit card from XXXX XXXX XXXX, 2021, that I or my wife never applied for. Called the company to cancel when I noticed that it was on my credit report during a routine check of the report. Their phone menu has no selection to speak with a customer service rep. Just punched any number to get to a live body. My home phone not listed in their system. Confirmed street address but would not provide last for of SSN as did not want to provide personal information. Told them to provide what was on file and I would confirm. They hung up on me. 

The card was issued by Comenity Bank but could not find any info on how to contact bank directly. 

I want this card cancelled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was informed by my bank, XXXX XXXX XXXX XXXX ( XXXX ), that Equifax is guilty of suppressing the due monthly reporting of my XXXX XXXX Credit Card the suppression of which was never authorized by the bank and certainly not by me. 

Subject : Account Balance hasn't been updated XXXX XXXX XXXX XX/XX/2021 : Thank you for your eMessage. XXXX XXXX sends your credit file to all of the major credit reporting agencies each month at the end of your billing cycle. Your account last reported XX/XX/2021. The card will report for XXXX after the billing cycle. The exact reporting date is unavailable. The account ending in XXXX is being suppressed by Equifax. You will need to contact Equifax regarding why they are suppressing your account. This is not something XXXX XXXX can correct since we never requested suppression. If you have further questions, please call our 24 hour, toll-free member service line at XXXX. 

Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX, XXXX XXXX, www.equifax.com Your Message XX/XX/2021 : Why has't my XXXX XXXX credit card balance been updated with XXXX, Equifax or XXXX  for the current cycle? In fact this card isn't even reporting on Equifax. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
please remove all the information FCRA violations : See ATTACHMENTS : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family MR- XXXX XXXX XXXX XXXX XXXX TX , TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$610.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$13000.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$9600.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5300.00} Status Account charged off. {$4900.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8000.00} Status Account charged off. {$7800.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
XXXX XXXX ASSOCIATE Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$780.00} Status Collection account. {$780.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative

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 2021-07-20 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: TX

Complaint narrative:
please remove all the information FCRA violations : See ATTACHMENTS : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family MR- XXXX XXXX XXXX XXXX XXXX TX , TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX , TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX , TX XXXX Resident type Apartment complex XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$610.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$13000.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$9600.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Account charged off. {$4900.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8000.00} Status Account charged off. {$7800.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$780.00} Status Collection account. {$780.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: LEXISNEXIS
State: MS

Complaint narrative:
Lexis Nexis claims they cant send me my results due to not being able to verify my identity. This is my second attempt to verify my identity. I would like for them to immediately send their method of Verification on how they verified the inaccurate reporting of bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: MS

Complaint narrative:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX A collection account appeared on my credit report. I immediately reported to the credit bureaus as NOT MINE. None of them have taken it off as they have reported to me that Capital Accounts ( the collections agency ) has verified the account IS MINE. 

The account dates back to XXXX for office visits to a dentist in XXXX, CA which was not me. I contacted Capital Accounts asking for documentation to verify it was my account. They sent me a generic statement showing many charges for dental work. The statement showed no names, no address, no social security number, no credit card numbers and no insurance company names or account numbers. I asked Capital accounts for all this info and they stated they could not give it to me for privacy reasons. I stated if it's my account it would be my information so there would be no privacy violations. They still would not offer me the requested info and the balance on the collection account continues to rise. I informed them according to California Fair Credit Reporting Act the account is TIME BARRED for any collections and to remove it from my credit bureau. They still would not. 

I made several attempts to contact XXXX XXXX by phone ( leaving messages even as a new client ) with NO RESPONSE. I sent them a request by certified mail for documentation to verify the account as valid and it was not received. I believe the company is out of business. I believe the collection agency is doing an illegal " Money Grab '' hoping I will pay. 

Any suggestion on how to remove this collection account? 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: MS

Complaint narrative:
XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: MS

Complaint narrative:
Experian, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 2021-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: ND

Complaint narrative:
I do need to start this with during the pandemic and even before, when I have needed assistance, they have been awesome. Things have taken a few times to get right, or their system will randomly kick out arrangements or send emails for the wrong dates, but eventually it has worked out. 

Whenever I have called to make payment arrangements or any form of interaction with LendingClub, they have told me that I can always use my 15 day grace period if I need to submit a payment after the due date without penalty. 

As far as I know, I have never skipped a payment or been past due with them. 

My payments are due on the XXXX of each month, which would mean I have until the XXXX for my grace period. 

This month, I needed to use my grace period. In the last 7 business days they have called my personal phone 38 times as of XXXX ( XX/XX/XXXX ) this morning. They have, however, only sent me one payment reminder via email on XX/XX/XXXX. 

On my loan agreement under Late Fee. it states if any part of Borrower 's payment, other than payments owed for any fee ( s ) assessed on a prior monthly payment, is more than 15 days late, a late fee may be charged in an amount ... .. There is no exact language about the grace period, but all of the customer service reps tell customers about it when they call in. 

On LendingClub 's website under their help ( https : //help.lendingclub.com/hc/en-us/articles/214519627-Making-loan-payments ) it does state Late Fees if any, for payments received after the 15-day grace period. We give all borrowers a 15-day grace period to make payments with no penalty. 

That makes no mention about getting harassed every business day until you make the payment though.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: MA

Complaint narrative:
this second complaint is a different account ( HELOC ) NOT a duplicate complaint -- -- Over the past year or more!! I have been trying to get XXXX to remove due to false information of mortgage accounts that is fraud with many complaints some on this site. Now in light of this recent case SUPREME COURT OF THE UNITED STATES No. 20297 TRANSUNION LLC, PETITIONER v. SERGIO L. RAMIREZ ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF etc.. I am requesting that XXXX XXXX Remove from my credit reports as well as inform XXXX  and XXXX  this fraudulent account to improve my credit scores and increase accuracy of it's reporting to avoid my having to sue XXXX XXXX for false reporting. Please see the attached showing that Chase does not have standing and never had any rights to bill me for the 16 yrs it has been collecting on this fraudulent account. This account was Washington Mutual then FDIC then JP Morgan Chase Bank, this means that since it was sold the " debt '' is no longer secured and no standing to foreclose or collect on it. see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Goldman Sachs/Apple Card suspended my account and locked me out of it for reasons unknown. This has been going on for weeks. When I contact them they say my account is under review and someone will reach out to me. I've never missed a payment and rarely even use the card. 

Since my account is locked I have no access to my account at all, not via the Apple " Wallet '' portal they make you access your account from, nor online. I can not see if purchases are being made or when my payment is due, nor can I make a payment on the account. 

I don't know when my payment due date is or if I'm going delinquent on the account, I may have been assessed late charges already but do not know as I can not access my account at all. 

This is a terrible consumer business practice and will cause many consumers financial harm in the form of late charges, possible over limit fees, and potential delinquency on credit reports. And, Apple/Goldman is making more interest on the account since I can not make payments at this time since they locked me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

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 2021-07-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom This May Concern, My name is XXXX XXXX. I am reaching out due to the credit bureau systems disregarding my rights as a U.S. Citizen, and failing to uphold my report in good standing due to their negligence of my rights. I dont appreciate my case being dismissed due to the fact that the bureaus expect me to water down my intelligence, as an excuse to not be held liable. I have attached a written letter sent to my XXXX XXXX XXXX XXXX  address stating TRASUNION received my initial dispute on XX/XX/XXXX. Today is XX/XX/XXXX, and these reports havent been updated as being disputed on my credit profile which is dated- systematically ( Photo attached ). I reached out to the bureaus in regards to removing discrepancies off my reports. According to law 15 U.S.C 1681a ( d ) ( 2 ) ( B ) & 15 U.S.C Code 1681a ( d ) ( 2 ) ( A ) ( iii ) - A credit card is not supposed to be on your credit report. Its also stated that a creditor has to notify the consumer and receive consent before reporting to the bureaus. These are all violations of my rights, as I dont know any of these names, and was never aware of these inaccuracies until recently accessing my reports. I ask that you mandate the bureaus to remove all derogatory marks immediately, and adjust my score accordingly to reflect my good standing and 100 % payment history. I have personal obligations that have been withheld or denied due to these issues. I also want to highlight another violation of the bureaus- I reached out on XX/XX/XXXX, and have written several letters since about these derogatory remarks, and today - XX/XX/XXXX, they have NOT updated any of them as being disputed on my credit report. Its currently past the 31 day mark. I ask that you hold them accountable to these violations or I will pursue a legal suit. I appreciate your understanding, and efforts to effectively resolve these matters. 

Regards, XXXX XXXX ( SSN CARD, ID, and Letter from Transunion attached with other evidences to prove this statement was written by ME )

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