vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Problems with Loan Depot Paying our Taxes and Insurance Property taxes were due by XXXX XXXX. XXXX XXXX I called Loan Depot ( LD ) to makes sure they would be paid on time. Money for the payment was sitting in an Impound Fund since closing on the loan. Future contributions for taxes and Insurance would go into the Escrow Fund. 

I learned XX/XX/XXXX that my taxes were NOT paid by LD. I called LD at XXXX ET and was passed around several people. No one would tell me why the taxes were not paid. I was asked if the tax money was collected at closing, which funds were collected and rolled into the entire finance package at closing. 
Speaking to a Supervisor, again I was asking why the taxes were not paid. I received questions instead about if I sent them the tax bill? They received copies of all of this prior to closing of the loan. I once again uploaded the Tax Bill to them. This this explaining how the amount due not is higher than the amount due by XX/XX/XXXX. This Supervisor said she would Request to Disburse Taxes. 
This call was 49 minutes long. 

XXXX XXXX XXXX ET Taxes are still NOT Paid. 
I called LD to as WHY not? Held 23 minutes before I got a human on the call. I get passed around to various people again. I ask for another Supervisor. This time Im connected to XXXX XXXX ( SP? ) He said he is arranging for the taxes to be paid within two days. 

XXXX XXXX I receive and email saying my taxes were paid. I look on the XXXX County web site and the taxes are not showing paid. I call the tax office making sure. I was told that the amount wired was for the XXXX amount of {$6900.00} This amount due now due to being late is $ XXXXthe county does not accept partial payments, and the wire is rejected. 

I call LD and held for almost an hour..never got a human. 

XXXX, XXXX LD employee # XXXX. I start the whole story again. It goes no where. I ask for a Supervisor and get employee # XXXX Ms XXXX She tells me the correct amount will be wired within 24 hours. 

XX/XX/XXXX XXXXXX/XX/XXXX The Taxes are not paid by LD. No wire ever arrives. I call LD and get employee # XXXX XXXX? I start over with my explanation. I ask fora Supervisor and get # XXXX XXXX XXXX I explain it all again. He tells me The correct amount of money will be wired tomorrow. Duration of this call XXXX XX/XX/XXXX XXXXXX/XX/XXXX Taxes are not paid yet by LD despite many people telling me they would be by now. 
I call County Tax office to verify all wires have been processed. 
I call LD and spoke to employee # XXXX ( woman ) she tells me it will be escalated and no one will be able to look at it until Monday XX/XX/XXXX. So now the taxes wont be paid in XXXX and a higher amount is due as of XX/XX/XXXX the amount due is {$7000.00} Call duration 42 ; 00

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4200.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1.XX/XX/XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

3. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my 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
Consumer complaint received 2021-01-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4200.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

3. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my 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
Consumer complaint received 2021-01-03 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-03 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: PA

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

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 2021-01-03 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello, I currently have a mortgage with Navy Federal for $ XXXX. My mortgage is on a home built/purchased in XXXX. For the last two years, I have received a check back the following year, based on the overage paid into my escrow account. I have made several attempts/request to have Navy Federal complete an escrow analysis, because they are clearly collecting too much money from me each month. I currently pay {$470.00} per month in escrow, as a result of the {$470.00} escrow payment, my monthly mortgage payment is over {$1500.00}. Last year, I had to make my own home insurance payment ( the insurance company sent me a bill since Navy Federal did not make the payment ). My XXXX property taxes were yet again thousands of dollars less than what was charged/collected from me over the 12 month period - so I am now being sent a check for over {$2000.00}. As I've explained to the multiple CSRs I've spoken to and in the numerous emails I have sent in to the company - the unnecessary collection of funds is creating a hardship for me, as the Veteran consumer. I understand they aren't concern, because they are collecting the funds. However, I work hard to ensure I pay my bills and pay them on-time. It is extremely unfair that this corporation continues to charge me unnecessarily. The corporation is forcing me to have my assets tied up in an account which I prefer not to have. I've spoke to the property appraiser to understand why they claim to need to collect one amount for my taxes and my taxes are no where near that amount and the property appraiser had no explanation as to why Navy Federal would be collecting so much per month. I have tried to no avail to get Navy Federal to rectify the issue and each time I've been given no help. It seems as though no one is concerned and my issue is not their problem. I am in need of help and I am trying to be pro-active about the situation. I don't want to have to fall behind on my mortgage, just for someone to show concern and then look into fixing the problem. I know {$470.00} may not be much to some, but it would make a big difference for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
XXXX made threatening statements about account that was inaccurate with ford Motor Credit Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. 
Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I mailed a dispute letter to Experian. The United States Postal Service provided a delivery date of XX/XX/2020. As of XX/XX/2020, Experian failed to respond to my dispute letter. In response to their failure to respond within the 45 days allotted due to COVID, I sent a letter requesting deletion of the disputed accounts. Experian 's failure to investigate my dispute within the appropriate timeframe is a violation of my rights as a consumer under the Fair Credit Reporting Act. As such, I am requesting CFPB conduct an investigation of this matter. In response to my request sent to Experian on XXXX, the credit bureau failed to delete the accounts as requested and instead attempted to perform the initial investigation requested on XX/XX/XXXX. This is a violation of my rights, as the timeframe by which an initial investigation should have been conducted had long expired. Experian mailed correspondence on XX/XX/2020 and only one of the accounts had been deleted. The remaining accounted was listed as updated. This again violates my consumer rights. The account was not investigated within the timeframe allowed by law. Experian engaged in unethical practices by labeling the XXXX correspondence as a reinvestigation. This implies the original investigation had been completed and indeed it had not been completed. The XX/XX/XXXX correspondence was the first and only correspondence I received in regard to the XX/XX/XXXX dispute letter. I am requesting an investigation and the remaining account deleted from my credit report as requested due to the violations by Experian.

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 2021-01-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In the late evening of XX/XX/XXXX at around XXXX I discovered someone had been withdrawing sums of {$1000.00} from my EDD prepaid Bank of America debit card, for three days in a row. Amounting in a total of {$3000.00}. When I saw the fraud posted on my account I immediately called the Bank of America card services to stop the card and send a replacement. The lady who helped me mentioned the person who has been withdrawing money has been doing it at my local branches ATM. The BofA on XXXX and XXXX XXXX That is also the only location I used, I withdrew money with my ATM card on XX/XX/XXXX in the afternoon. I think they did it there to not cause any fraud flags on my account. I did not authorize these transaction nor do i know who did them. I have started a claim ( Claim : # ************** ) with Bank of America Prepaid EDD card services and have filed a police report DR NUMBER : ************. 

Today I received a disheartening letter dated XX/XX/XXXX that Bank of America has closed my claim. Without including any information or reason why. The letter was sent before I had done any of the paperwork, they said they would send, and the letter was sent before I had faxed the police report. I faxed the police report XX/XX/XXXX XXXX. I am faxing a letter to Bank of America Claims Department to request they reopen my claim.

Currently I am locked out of my EDD Bank of America account and can't access my remaining balance or the money being deposited by the EDD. Bank of America said to call EDD, I called EDD they said to call Bank of America. Bank of America said wait 6-10 days, that EDD has to verify my identity. I have been waiting and have called an additional time, I changed my cell phone number in XXXX and wanted to make sure they had the up to date information. 
My soul hurts and it feels like a woke up in 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 monetary relief
Consumer complaint received 2021-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: WI

Complaint narrative:
Sometime in 2018 someone unknown to me got a loan with this company. I have disputed this account several times and the company will not remove this from my credit report. I have submitted proof of my identity and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
This was a XXXX vacation package from XXXX that I have never reaped or received benefits from. Our Attorney has confirmed this is a bogus/scam and the documents are in XXXX. The XXXX XXXX, XXXX, turned this over to a XXXX XXXX in California, Monterey Collection Services, and as of XX/XX/2020, this company reported to XXXX and was reflected on my XXXX Credit Report as a derogatory Account owing {$20000.00} and the amount increased to {$22000.00} the following month. 

I reported XXXX to the XXXX XXXX XXXX on XX/XX/2020 and the XXXX  was unable to locate the company or the company is no longer in business and therefore the XXXX has closed the complaint. 

XXXX needs to send a " Cease and Desist '' Letter to the the Collection Agency in California, Monterey Collection Services, and Monterey Collection Services and needs to take this off my XXXX Credit Report. 

Per my XXXX Report, as of XX/XX/2020 the Derogatory amount was reported as {$20000.00}. 
As of XX/XX/2020 the Derogatory amount was {$22000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/21, I got an email that my sim-card of my cell phone was changed in California, as I am currently in and live in New York. My cell phone then immediately didnt work there after. 
I then checked my bank account soon after and two large withdrawals were made at my bank, Chase of approx. {$3000.00}. I then immediately called chase and couldnt speak to anyone important. All they could say was it was an ATM withdrawal, therefore someone created a new card and withdrew money fraudulently. 
Chase wont be available until Monday as it is late Saturday night. Spoke with so many representatives and they couldnt do anything ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: FL

Complaint narrative:
Covid has caused struggles of job lost and family members returning home to my house because work is not available. It is hard to maintainXXXX persons in the household now I somehow have to deal with XXXX family members, much less keep up. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
The week of XX/XX/2020 I rented a vehicle with XXXX XXXX from their XXXX XXXX office. The amount of the rental according to the reservation was {$290.00}. However, without disclosing the extra fee, the clerk added an extra driver ( who never drove the car ). She tacked on the surcharge of {$100.00} without showing me the charges or offering me a receipt. I never signed for these charges nor saw a receipt until returning the vehicle. Upon inspecting the document XXXX claims I allegedly signed, the signature does not match any known signature of mine. I was suspicious that XXXX XXXX XXXX had engaged in fraudulent activity and contacted my credit card, XXXX, to partially dispute the charge ( I was happy to pay the amount for which I had reserved the vehicle ). I sent documents showing that my signature did not match on the higher charge as well as photographs of the paper receipt I was given ( the only docuemtn ) showing the original charge of {$290.00}. XXXX agreed that this activity was duplicitous and partially charged back the fee. 

XXXX requested payment for the remaining amount in early XXXX. Using the FTC 's suggested letter for disputing a charge and seeking an investigation, I wrote a letter and provided documentation as I did in the XXXX dispute. This letter and packet of information was mailed via certified mail to XXXX 's billing department on XX/XX/2020, for which I have a receipt. I never received a response from XXXX via mail as I believe is required by the FTC. Instead, I received notice in a letter dated XX/XX/2020 that XXXX had sent the debt to be collected by XXXX Debt Collection agency, having not sent the required response to me concerning my right to investigate the debt and fraudulent activity I reported.

Company response to consumer: Closed with explanation