vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 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: TX

Complaint narrative:
I started my dispute of negative incorrect and incomplete information on XXXX XXXX. There were multiple inaccurate items being reported. After the initial dispute, one item was listed as closed and the others remained. I filed a follow up dispute on XX/XX/2020 demanding the items be verified with an original signed contract bearing my wet ink signature. Following this dispute, the inaccurate items yet remained being reported, even though there is no verifiable proof that the item is accurate. Additionally, the account that was reported closed has been fluctuating in status, even though again there is no verification that the item is accurate. None of the accounts are reporting complete or accurate information regarding payments, statement dates, etc. In addition, the bureaus have failed to provide me any physical verification that the accounts reporting are accurate as requested. I have since filed an additional dispute on XX/XX/2020 demanding that the accounts be deleted due to lack of verification and non response. It's been over 90 days and I have yet to receive a proper response. They have failed to follow regulations and procedures to ensure the data published is complete and accurate.

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 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I have a mortgage with Dovenmuehle Mortgage. I was on forbereance due to Covid for several months and I was able to make payment again afterward. When I made payment for XXXX payment on XX/XX/XXXX online, it doesnt allow me to do so. I then made a payment via the phone and got charged {$10.00} fee. I sent them a message via the online portal in a XXXX asking why I cant make payment online and ask to be refunded my fee but never receive a response. 

I made a payment online on XX/XX/XXXX for XXXX payment but apparently it didnt go through and I just got a phone call from them asking for past due payment and that I have to pay a payment fee if I make a payment via the phone. She also told me that there is a block on my account to make payment online. I am appalled that I cant make payment online and get charged for making payment other way. Dovenmuehle Mortgage should make it available for customer to be able to make mortgage payment either online or with an auto pay and for customer not be charged for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I received a notification on XX/XX/20 that my credit report had a new hard inquiry on it from XXXX XXXX, with an address at XXXX XXXX XXXX in XXXX, OR XXXX. Upon investigation, I learned that the inquiry was made by someone attempting to use my name and credit to obtain a line of credit for XXXX XXXX XXXX, a retailer from whom I have never attempted to buy anything. The line of credit was ultimately denied to the person attempting to use my credit fraudulently and I received a letter to this effect at my home address. 

I called XXXX XXXX in XXXX to report the fraudulent activity and was assured by customer service that the matter would be resolved and that the hard pull would be removed from my credit report. This has not happened, and the additional pull on my credit has negatively affected my credit score and will continue to do so for up to two years if the matter is not resolved. I attempted to dispute the matter with Transunion online but was unsuccessful, so in XXXX I submitted a letter by mail both to XXXX XXXX and Transunion requesting that the matter be resolved. Transunion responded that I need to contact XXXX XXXX. I have not heard from XXXX XXXX again. 

I would like the fraudulent inquiry removed from my credit report immediately. Consumers should not have to jump through this many hoops to correct their 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 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
Hello My name is XXXX XXXX. I have an account with US bank relaicard. on XX/XX/20 my debit card was blocked because of suspected fraud. They requested that I send in a government issued ID along with a front and back copy of my social security card, and a recent bank statement. I was told to include my card ID # XXXX on all documents sent. I faxed all of those documents to the fax number provided. I also uploaded those documents directly to reliacard via my US Ban k Reliacard app. I called to confirm if my information had been received, and it had. Fast forward to XX/XX/20, my card was unblocked and I thought all was well until XX/XX/20. My card has been locked AGAIN! I don't have any access to my money and this is the second time that this bank has done this to my account. I don't want to continue having these same problems with this bank. I feel helpless because I can't get through to speak to anyone. Also the wait times are ridiculous only to be hung up on after waiting on hold for over two hours.

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 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I C SYSTEM ( Original Creditor : 11 XXXX XXXX ) ... .I have never had XXXX XXXX XXXX  or XXXX  so I have no idea whos this is ... I see a name on my credit report that is not mine and i have never gone by it is XXXX XXXX , Im sure the reporting of this debt is a case of mixed file ... ... I have contacted all 3 credit bureaus multiple times and they say that IC SYSTEMS verified and validate this debt ... how so if it is not mine? They have never sent me proof which im sure they do not have ... .I asked for a copy of the wet ink contract and received no response ... .there is no way that they can verify and validate this erroneous account on my report. i need this deleted now or i will be contacting a consumer attorney as well as putting a complaint in with the state attorney general as i am in the process of purchasing a home and this is killing my 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 explanation
Consumer complaint received 2020-10-19 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:
This is a follow-up to Complaint # XXXX. I was contacted by XXXX XXXX by email on Thursday, XXXX XXXX, 2020. The email indicated that in 48 hours, their account will be deleted from my credit report. Today is XX/XX/2020, and the account is still on my Experian credit report, and it was reported on XXXX that I made a late payment to this account. After several attempts, I have been unable to reach Experian. The prompts give only 3 options to choose from which do not apply to me, and they are all automated.

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 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX   credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature. They are being listed as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
After reviewing my credit reports with all 3 credit bureaus on XXXX, I realized I had a collections account under my name to the Collection Agency : Caine & Weiner. As part of my due diligence, I submitted a letter of validation to Caine & Weiner, requesting proper documentation validating the legal obligation of payment, NOT a request for verification NOR a refusal to pay. This validation letter was sent on XXXX via certified mail. I received a response from Caine & Weiner, dated XXXX, without proper documentation validating this debt. In response, I sent a 2nd validation letter on XXXX, through certified mail, requesting the agency to present proper validation and documentation of this collection debt within 15 days. I have not received any response ( either by phone, mail, email, etc ) from Caine & Weiner up to this day, XXXX. Because this collection agency has failed to provide me with the correct validation documentation, their erroneous reporting to the Credit Bureaus has highly impacted my personal credit report negatively and has limited my opportunities to open new credit lines and take out a mortgage to purchase a home. I am sending this complaint to the CFPB for additional help/assistance to delete the erroneous reporting presented by Caine & Weiner - XXXX XXXX XXXX XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
Greetings, I XXXX XXXX XXXX, come with peace. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. AMERICAN HONDA FINANCE, LLC the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor, Flesh and blood human being. AMERICAN HONDA FINANCE, LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts AMERICAN HONDA FINANCE, LLC may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GreenSky, LLC
State: MI

Complaint narrative:
GreenSky , LLC keeps harassing me to pay them money I don't owe. I got 4 laser treatments for {$50.00} a session and GreenSky is trying to suck $ XXXX from me. I paid well over $ 1k for treatments I couldn't get. Due to my compromised immune system I couldn't even get treatments because they were for my face. I am still getting bills although I already paid for my 4 treatments. I get a XXXX check to live off of and GreenSky is trying to ruin my life. They are discriminatory as well as greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
This account charged off back in 2018 after a few late payments. 
We immediately set up a payment arrangement and made 3 years of monthly on time payments until account was paid in full. 
The credit report is inaccurately report 24 charge offs and negative reporting since 2018. Wells Fargo said they couldn't update credit report until we paid the account in full. The account was paid off last XXXX, and they still haven't updated the inaccurate credit reporting.

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 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
SLS has charged my account for a check they sent out to someone, so they are labeling my escrow account with a negative {$2200.00}. 
This would be fine if I actually had an escrow account setup, but I waived all escrow accounts at closing and I pay my own taxes and insurance. 
Now I am refinancing and they are charging me this {$2200.00} that I did not authorize and have no idea where it is. 
I have tried to call and they will not budge on removing that from my account. And they told me a supervisor would call me back in the next couple days. I never heard from anyone. 
On top of that, now I have my payoff, finally, that was requested over and over again by my title company and it shows a late charge balance of {$36.00} and neg escrow balance. I have had my payment on auto pay since I started with SLS, so there is no way I should have a late charge. 
This company is a disgrace. And I am extremely frustrated.

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 2020-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I received a notification from XXXX  on XX/XX/XXXX that an account has been flagged negatively on my credit report called Nationwide Recovery Sy. I have never heard of this company nor has this company sent me any information or reached out to me about this alleged debt but yet in still felt the need to report negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX we hired a credit repair agency to clean up my report and on XX/XX/XXXX we saw the improvement we were looking for and proceeded to put an offer in on a house and go under contract the next day. We were however off by just a few points and the credit repair agency said they would be able to get those number up before we closed. 

However when we got the report on XX/XX/XXXX - USAA reported two additional past due, one at 60 days and one at 90 days on a closed account from XXXX. These two additional hits caused a 25+ point drop in my credit score. 

This was done and we now have no recourse and according to USAA it will take 60 days to fix in what took them 6 days to destroy. The issue I have with their error is that 25+ will cost us almost {$12000.00} because if we would have gotten the 10 points based on the XX/XX/XXXX report we would have gotten lender credits to cover all the costs required to close on our house. 

Because we did not find this out until 10 days before closing we feel our hands are tied but we want this to be reported that USAA is in fact not taking care of Veterans which is their tag line but in fact finding ways to punish them and leave them out to dry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank, 45 days ago Citibank blocked my accounts specifically a Citibank checking account ending in XXXX. 

After calling the fraud division they informed me ( after submitting documentation from their Docusign system ) that my records had mismatched addresses but the customer service person refused to explain what the mismatch was.

I have called Citibank at least five times often being left on hold for long periods of time.

Citibank sent me Docusign files six times now : The first time I had to send either a pay statement or a utility bill. I followed Citibank instructions and sent the pay stub. A few days later I was told that was not sufficient and I needed to send a utility bill, which I did then. 

XXXX XXXX adds apartment numbers to their bill to indicate which floor/s the bill relates to. Mine has my address XXXX XXXX XXXX XXXX. This appears to be the mismatch that Citibank is using to justify blocking my funds. 

I have owned this house for 30 years. I have never listed my address this way in any application. This is a 3 family house and it doesnt make sense for me to designate my apartment designation.

I have attached the following : 1 ) Welcome letter from Citibank XX/XX/20 with my correct address for the account I am writing about. 
2 ) XXXX XXXX utility bill with the apartment listed with the XXXX designation which Citibank is using as a pretext for blocking funds. 
3 ) Current XXXX XXXX bill with correct address. 
4 ) Current XXXX bill 5 ) Current XXXX Dept of Finance bill which lists my correct address. 
6 ) To 9. Four letters dated XX/XX/20 from Citibank confirming requests to make changes to my address. I DID NOT MAKE ANY REQUESTS TO MAKE CHANGES. Two of the letters say they updated my address to add the XXXX XXXX XXXX designation. The other two letters say the exact opposite. AGAIN, I MADE NO SUCH REQUESTS. I simply am asking Citibank to unblock my accounts. This is my money not Citibanks monies. 
7 ) Today I was on hold for 30 minutes while various customer service representatives. The third one was supposed to get to the bottom of this until the call was dropped. How come the representative did not have the courtesy to call me back?

8 ) A copy of my email inbox which shows that I completed six times their document request via Docusign. The last three times I completed it, I then get another Docusign request asking for the same thing.

Citibank needs to be penalized for this egregious behavior. My funds have been blocked for over six weeks now. I have no judgments against me, I have an 800 plus XXXX  score. Clearly the mismatch ( the XXXX XXXX bill with the apartment designation of 12 Floor ) was entered into their computer system by Citibank.

Citibank needs to compensate me for their bad behavior.

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 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XX/XX/XXXX I went to Home Depot located at XXXX XXXX XXXX, XXXX, MA XXXX to purchase a few items.On my way out at the register I used my current Home Depot store card to pay while the employee asked me if I wanted to open a card and save on the purchased items. I asked him twice if it was a an upgrade and he said '' Yes ''. I found out later when I received the statement that it was another card similar to the one that I have. I called Home Depot credit services to resolve the issue. They told me to pay the current balance and they would close the account with no impact on my credit report. Recently, I checked my account on XXXX  and it showed as a hard inquiry and it will stay active om my credit report until XX/XX/XXXX without the option to dispute this misleading and wrong doing on behalf of the Home Depot employee.

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 2020-10-19 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: NY

Complaint narrative:
I submitted a complaint ( XXXX ) that Experian did not respond to my dispute within 30 days and wanted this incorrect information removed from my credit report. Their response to the CFPB complaint was a complete lie. They stated that they could not identify if it was me disputing the information. I know this to be false since I included a copy of my drivers license and social security card in the same envelope as the disputed information. I also signed every single page of the dispute and included my social security number in written form along with typed. The return information on the envelope was the same address that is on my credit report. This was an attempt by them to circumvent the legal 30 day response time they failed to meet and I want them to provide proof of what they received along with the incorrect information to be removed!

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