vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I have a house that has been under contract by the buyers for over 40 days. The Title company, XXXX XXXX  in XXXX MN, sent out a request for mortgage loan Pay Off on my account on XX/XX/XXXX and then again on XX/XX/XXXX. This is a process that should just take 3 days. Freedom Mortgage has yet to send over the pay off. It has been 11 days! On Monday XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX ), I contacted them multiple times about when will the pay off be sent to the title company. I was desperately attempting to assist the title company with this process. Today XX/XX/XXXX one person claimed that the pay off was completed and that the file was closed and the pay off was sent via a pdf to our title closing person. Yet I find this was a lie when the title company DID NOT RECIEVE the pay off! 
Freedom Mortgage appears to be with holding information to complete the closing on the house! My realtor and the title closer advised they have NEVER seen this before from any mortgage

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 2020-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I did receive a student loan from CitiBank while in school. After I graduated I did enroll in a payment plan to pay my student loans. For whatever reason ( I never realized it ) this loan was not included in my repayment plan, but all my other student loans were included. The student loan from CitiBank that I approved was for the amount of {$1700.00}. It was only one loan in the amount of {$1700.00}. CitiBank reported to the credit bureaus that I have two accounts in this amount. The student loan ended up going into collections for nonpayment. One account was closed on XX/XX/XXXX, and the other account was closed on XX/XX/XXXX. The account that was closed on XX/XX/XXXX has an inflated balance of {$3900.00} from the original {$1700.00} that was the approved student loan amount. I question if my case falls into the CitiBank lawsuit that was recently conducted. I have recently tried to contact a collection agency that sent me a statement to payoff with a lump sum. They told me they had sold my account. I have called CitiBank trying to contact the company who currently has my account. CitiBank has not returned any of my messages and another department from CitiBank says they can not help me because they no longer have my account. I hve called and left messages with seven different phone numbers to no avail. Please help.

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 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My loan through USBANK requires flood insurance which is provided by my Homeowners Association. This year they are not accepting it and have purchased a flood policy with me as borrower and have added it to my mortgage payment. My HOA has tried numerous times as I have to get help on the phone and there is no agent qualified to help. 

I have had this loan since XXXX of XXXX and no late payments. All these years they have accepted by flood insurance. 

The first installment added is {$530.00} until I " catch up '' and they have the policy adding {$220.00} per month through XXXX of XXXX. 

When I called the agent was recommending to take mortgage assistance until this is resolved, but I do not need this product. 

I am hoping during COVID-19 they are not trying to pressure borrowers to get products not needed then adding things like insurance as a scare tactic to make more money. 

USBANK will not allow me to make my normal mortgage payment and if I do it will be considered late which will affect my credit score.

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 monetary relief
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I visited tcf branch atm to make a cash deposit to my account. The ATM encountered problems and it didnt process the full deposit. The ATM didnt release the rest of the funds back to me. It kept it and told me to contact the branch. It has now been 24 hours and not only am I without my money but I also have hundreds of dollars in overdraft fees because of this matter. I filed a dispute with the bank and Im being told I have to wait 5 business days for the claim to be finished before I can retrieve my money back. Its bad enough Im without a job due to covid so to be without more money and no compensation while tcf correct this issue is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
I have sent certified letter after certified letter to Transunion as well as the other credit reporting agencies regarding accounts in error on my report. Transunion originally removed the referenced account for {$120.00} dollars and when I sent a written letter following up regarding another account that was erroneously placed on my account. They reinserted the an account they initially removed. 

I have made multiple attempts to have them explain to me how they're verifying these accounts. I've asked for copies of the documentation that they by law should be reviewing to verify these accounts prior to reporting them. However they simply reply with the accounts have been verified. I asked them to remove the accounts. They're stating they've verified the accounts. But fail to send me the physical documentation they reviewed to confirm the debt was mine. 

The account in question is being reported by " XXXX XXXX '' as I have emailed them due to their sending me a generic statement that I don't recognize. Nothing with my signature or an application of my applying for services. Furthermore there were no notifications of reporting information to my credit sent to me nor any letters notifying me of transferrence of ownership of my account. If it in fact it were mine. I asked XXXX where they received authority to report anything on my credit report. I'm waiting on a response from them right now. But I seem to be getting nowhere with either and this is just one account I'm having issues with. I'm applying for new housing this year and a professional license where my credit will be reviewed. These type of issues greatly affect my life and it seems that due to the number of accounts they're reporting. They're just bypassing the protocols required by federal law. If something doesn't change here my next step is to file a civil claim.

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 2020-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems has been reporting a collection account with their company on all three of my credit report since 2018. The original creditor is XXXX XXXX XXXX. I have never leaves in this apartment complex nor ever signed a lease to lease an apartment from them. I have on numerous occasions disputed this said account with the collection agency and the three bureaus to no avail. I want this collection removed from my credit reports and them held accountable for their erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a credit card account with HSBC Orchard Bank on XX/XX/XXXX as a secured credit card, I closed the account not long afterwards, HSBC Orchard bank has kept piling on interest and late payment charges until XX/XX/XXXX when Orchard bank was closed and obtained by Capital One. Now a collection agency is now after me to pay this " debt '' which I feel is completely fraudulent. 
The amount of penalties is {$2800.00} which now will affect my credit, so I am being held XXXX buy this collection agency for this amount. Now a woman calls me last week wanting to settle the debt for XXXX dollars. Again another woman calls me today wanting me to settle the debt with a " Covid-19 Special '' for 75 % off to the amount of {$710.00}. I will not pay a dime for this kind of harassment over a card account that I closed years ago. 
Now HSBC Orchard bank is shut down and was sold or card accounts were acquired by Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The purpose of this complaint is to dispute the information reported to my credit by XXXX XXXX XXXX. Please be advised that I was represented by U.S. Consumer Attorneys, P.A. in regards to my timeshare interest with XXXX XXXX XXXX. I obtained the representation of this firm on XX/XX/XXXX of 2016. The basis of my representation was that I was defrauded by XXXX XXXX XXXX and other affiliated entities when I purchased my timeshare from their company. My only recourse was to stop paying the fee while my attorney negotiated directly with the resort. Despite my attorney 's efforts and demands, XXXX XXXX XXXX and its subsidiaries continue to report adverse information to my credit. This complaint serves as my formal request that you mark the information reported to Experian credit by XXXX XXXX XXXX as disputed. XXXX will not issue a letter stating that my account was closed after negotiations. XXXX and XXXX do not show any delinquencies, but Experian continues to show delinquencies. This impacts my life greatly, and I have never been out of sorts with paying bills on time and fulfilling my obligations to any companies until I owned this timeshare. Experian will not remove or edit my credit report. XXXX is intentionally harming my credit as a result of my legal dispute. My XXXX account has been closed for several years.

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 2020-05-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The accounts I listed are fraud I don't have any relation with those fraudulent accounts.

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 2020-05-20 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: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I tried to dispute an account on my credit report with the address provided, and it came back with a return to sender label. By Law ( FCRA section 623 ) every account must be disputable. I have attached supporting documentation to support my position.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
I moved out of an apartment on XX/XX/XXXX because my neighbor kept breaking into my apartment and damaging my vehicle. I turned in the key in person on XX/XX/XXXX and was told that everything was fine and I was NOT breaking my lease. I gave my forwarding address, email and phone number. A few weeks later I received an email claiming the apartmenthad to be repainted because of me. I notified them of stains on the walls from a leaking window and upon moving in. I had passed move out inspection on XX/XX/XXXX. I replied to the landlord, XXXX with XXXX and XXXX, and told her to take me to court because I did everything on the checkout list, she had mistakenly tried to evict me prior because she kept crediting someone else 's account with my rent payments, and that she did nothing about the drug dealer living next door that kept breaking in and slashing my tires. About a year ago I checked my credit and XXXX and XXXX showed as a collection for {$1800.00}. I requested that XXXX correct the information and provided all copies of emails, receipts of rent paid, deposit paid, and police reports. All they did was put a statement on the account. The collection agency is reporting the account as opened in XXXX, when I paid {$1500.00} to my landlord and relinquished my deposit to move out without any issues in XX/XX/XXXX. XXXX and XXXX waited 4 years then sold my information to a collection agency instead of taking me to court or even sending me ANYTHING in writing showing that I owed them anything in that 4 year period. The only thing I ever got was one email from XXXX. I want it removed from my credit report because I do not owe the debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: OR

Complaint narrative:
Washington unemployment is using the old card number to deposit funds instead of the current one they sent me. Money keeps disappearing and I have not received any funds and I can not alert or notify them to update my card number into there system. So frustrated and my card is over drawn and I have no idea why or how this is happening. XXXX is my phone number and my name is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: RI

Complaint narrative:
Rushmore unpaid amount is in error. I have discussed this issue with them recently I even provided Rushmore copy of my previous servicer of my account showing overpayment. 
I would like to receive back-up information from Rushmore how they arrived to this amount. 
at the same time my XX/XX/XXXX monthly due is higher than previous one. I checked with the city assessors that my property tax has not changed at this time it might even go down. 
please provide me how you come up with this monthly due. 
I would like to request that I will be given a chance to pay my property tax and homeowners insurance myself so that no more escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
i lost my wallet years ago and recently looked at my credit report someone has accounts in my name.please help me get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Full Circle Financial Services, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
XX/XX/2020 @ XXXX XXXX I got a call from XXXX with Full Circle. The number for the company is XXXX ext XXXX. I advised XXXX that he was calling my employer and I was not able to take personal phones calls at this number. He then asked me for a different number which I told him I would not provide to him. He then says that he will keep calling my employer to contact me about a so called debt I owed. I have never taken a service with this company before. I went to XXXX and looked up Full Circle and I can't find a website or address for this company. I think its a scam and I want them to stop calling my employer 's number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
On monday when i get my unemployment check direct deposit i went on app to make sure it was there could not get on app called number on back of card was told my account was permanently suspended and not told why which i ask how to get my money back from which is over XXXX was told to write a letter to company to ask for it which i did and still no money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have sent certified letter after certified letter to XXXX  as well as the other credit reporting agencies regarding accounts in error on my report. XXXX  originally removed the referenced account for {$120.00} dollars and when I sent a written letter following up regarding another account that was erroneously placed on my account. They reinserted the an account they initially removed. 

I have made multiple attempts to have them explain to me how they're verifying these accounts. I've asked for copies of the documentation that they by law should be reviewing to verify these accounts prior to reporting them. However they simply reply with the accounts have been verified. I asked them to remove the accounts. They're stating they've verified the accounts. But fail to send me the physical documentation they reviewed to confirm the debt was mine. 

The account in question is being reported by " Transworld Systems '' as  I have emailed them due to their sending me a generic statement that I don't recognize. Nothing with my signature or an application of my applying for services. Furthermore there were no notifications of reporting information to my credit sent to me nor any letters notifying me of transferrence of ownership of my account. If it in fact it were mine. I asked Transworld where they received authority to report anything on my credit report. I'm waiting on a response from them right now. But I seem to be getting nowhere with either and this is just one account I'm having issues with. I'm applying for new housing this year and a professional license where my credit will be reviewed. These type of issues greatly affect my life and it seems that due to the number of accounts they're reporting. They're just bypassing the protocols required by federal law. If something doesn't change here my next step is to file a civil claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i lost my wallet years ago and recently looked at my credit report someone has accounts in my name.please help me get this resolved

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 2020-05-20 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
i lost my wallet years ago and recently looked at my credit report someone has accounts in my name.please help me get this resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 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: FL

Complaint narrative:
Iin this new complaint I invoke the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY On XX/XX/XXXX, I have submitted a claim to the XXXX  credit bureau, but did not comply with all the requests. XXXX   arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX XXXX  company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or occupation XXXX  XXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX XXXX  company from XX/XX/XXXX to XXXX that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month

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