vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: NY

Complaint narrative:
Re Loan number : XXXX I have a perfect relationship with US Bank since 2014. Paying all my bills on time means a lot to me and I am always very on top of it. I recently Leased a new XXXX XXXX with US Bank but I did not receive any statements in the mail due to it being a new account or someone stole the statements out of my mailbox. I also had trouble logging in to view my statements and make payments online. I am currently applying for a mortgage, but the 30 days late reported by your bank is hurting my score very much. In an email exchange with Mr. XXXX XXXX, he confirmed that I was not sent any statements for this loan as it was a new loan and there was some type of system error. ( please see attached ). Therefore I was not aware that a payment was due. Please remove the late mark from my credit report ASAP. Therefore I was not aware that a payment was due.

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 2020-01-09 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: Northstar Location Services, LLC
State: CT

Complaint narrative:
Settled in full XXXX balance XXXX XXXX, XXXX is reporting I still owe a balance. 
Contacted XXXX Multiple times and stated they would not help me that I had to wait for them to report to the bureaus on XX/XX/XXXX. See documents supporting account paid in full and settled. 

Auto volunteer surrendered XXXX Pick up XXXX XXXX contacted me with a Def XX/XX/XXXX and agreed to accept XXXX. Paid auto debit on the XXXX. 
Account turned over to their collection agency XX/XX/XXXX changing the payment date on the XXXX. 

I contact XXXX in XX/XX/XXXX to dispute how they were reporting to the bureau as a charge off but not including Volunteer Surrender. They announce the account was transferred to NorthStar Locations Services LLC. I had no idea as they continued to accept my monthly installment {$100.00}. I agreed on a settlement in full XXXX balance with supporting documents. To my surprise my credit report is only showing charge off with a balance owing XXXX. Not stating Settled in full XXXX balance per the supporting documents. I asked XXXX to correct and they stated they will not until I paid the balance that was agreed I do not owe any longer a balance and they will not submit correction to with XXXX, XXXX XXXX and XXXX until XX/XX/XXXX. XX/XX/XXXX I contacted NorthStar to send me a updated letter clearance of funds from the credit card I paid them and they will not send me a updated letter until I give the credit card statement that will disclose cleared? NorthStar Location received agreed payment for {$2000.00} from a credit card. XXXX sent me a letter stating I am in the clear an NorthStar will not accept that letter who they represent for collections. Please see attachments on documented letters and credit. I still feel they have been reporting inaccurately to get me to pay them and when I paid them a agreed amount after paying them over XXXX, I feel they bait / switched me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: NV

Complaint narrative:
Someone has opened fraudgulent accounts under my name to get good t that is effecting me negatively. I have tried to work this issue out with the credit bureaus I have even went as far as adding a fraud statement on my credit profile. The creditors along with the credit bureaus has allowed inaccurate as well as unauthorized accounts to be added to my credit profile and the accounts do not belong to 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
Consumer complaint received 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: OK

Complaint narrative:
I deposited a check written to me and they placed a hold on the check which they had every right to do. Then they charged me for the amount of the check. Making my account negative when it had over XXXX dollars in it. They said this was due to them thinking it would bounce. Again they had never made the funds available so they had no right to charge me for the check

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Information on my credit report is wrong, I sent debt validation on XX/XX/2019 and XX/XX/2019 still havent heard anything yet. And foreclosure is over XXXX old still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-01-09 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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: NV

Complaint narrative:
Someone has opened fraudgulent accounts under my name to get good t that is effecting me negatively. I have tried to work this issue out with the credit bureaus I have even went as far as adding a fraud statement on my credit profile. The creditors along with the credit bureaus has allowed inaccurate as well as unauthorized accounts to be added to my credit profile and the accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: NV

Complaint narrative:
Someone has opened fraudgulent accounts under my name to get good t that is effecting me negatively. I have tried to work this issue out with the credit bureaus I have even went as far as adding a fraud statement on my credit profile. The creditors along with the credit bureaus has allowed inaccurate as well as unauthorized accounts to be added to my credit profile and the accounts do not belong to 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 non-monetary relief
Consumer complaint received 2020-01-09 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: FL

Complaint narrative:
I have two accounts on my credit report with Experian, XXXX XXXX, XXXX that I have an issue with. I have done online disputes with all three companies at 3 different times. Each time I dispute the accounts the credit reporting agency states that the information is reported correctly. 
The two accounts with errors have the wrong account open date. Both accounts state that I open them in XXXX. I believe the correct date is in XXXX because the debts are at least a couple of years old. The accounts also have been closed for at least two years. 
Each time I try to dispute the items the credit report agencies never update the information and state that the information is correct. 
I am not able to prove the account dates and I am requesting assistance obtaining this information.

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 2020-01-09 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: FL

Complaint narrative:
I have two accounts on my credit report with XXXX, Trans Union, XXXX that I have an issue with. I have done online disputes with all three companies at 3 different times. Each time I dispute the accounts the credit reporting agency states that the information is reported correctly. 
The two accounts with errors have the wrong account open date. Both accounts state that I open them in XXXX. I believe the correct date is in XXXX because the debts are at least a couple of years old. The accounts also have been closed for at least two years. 
Each time I try to dispute the items the credit report agencies never update the information and state that the information is correct. 
I am not able to prove the account dates and I am requesting assistance obtaining this information.

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 2020-01-09 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: FL

Complaint narrative:
I have two accounts on my credit report with XXXX, XXXX XXXX, Equifax that I have an issue with. I have done online disputes with all three companies at 3 different times. Each time I dispute the accounts the credit reporting agency states that the information is reported correctly. 
The two accounts with errors have the wrong account open date. Both accounts state that I open them in XXXX. I believe the correct date is in XXXX because the debts are at least a couple of years old. The accounts also have been closed for at least two years. 
Each time I try to dispute the items the credit report agencies never update the information and state that the information is correct. 
I am not able to prove the account dates and I am requesting assistance obtaining this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: Thunderbird Collection Specialists, Inc.
State: CA

Complaint narrative:
TCS is reporting this debt to the credit bureau 's beyond the 7 year statute. The original delinquency for this debt was XX/XX/XXXX, the judgement was issued XX/XX/XXXX. The foreclosure on this property extinguishing the debt was XX/XX/XXXX. All of this information has been provided multiple times to Thunderbird Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The judge issued orders in my divorce decree XXXX XXXX XX/XX/XXXX date of court entry that my ex was ordered to pay XXXX ( XXXX ) off on XX/XX/XXXX, date of the home sale with those funds. It was left delinquent 90 days into XXXX and is on my bureau reports. I attempted to contact XXXX myself and they assured me that my name was not on this account, however that was all they could tell me, so how was this then reported as my delinquency? I sent complaints to all three bureaus full of documentation. They never responded and never removed it. XXXX sent a copy of my report with the XXXX account entered twice, once correctly and never replied to removing the incorrect one. They have her new address on my report in XXXX, her family home in XXXX XXXX and other homes I've never lived in. They also don't list three paid off homes, another in XXXX, TX, 10 cars, 50 credit cards, or student loans for three degrees.This false information is causing rejections and inquiry alerts that continue to mount as she continues to do whatever my ex is doing. 
I also sent XXXX a certified letter-to XXXX XXXX at the NY Corporate office asking why the XXXX account is closed. I lost XXXX in bonus XXXX money with the loss of this card. The tracking number is XXXX XXXX sent on XX/XX/XXXX. I received no answer and no {$500.00} in earned money. Their people applied my payments from a checking account they entered incorrectly-one digit off and charged me XXXX per error, and I paid it immediately on the telephone with my acct number in hand-no problem. THEY WERE ADVANCE PAYMENTS. I went to their XXXX XXXX location and no one would help me. I want my money that I deserve, My bureau shows never late and I never receive If it was investigated it would have been repaired! 
I am a highly educated man of means and I demand they repair their errors.

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 2020-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My name XXXX XXXX and wife Is XXXX XXXX XXXX XXXX we had car loan with XXXX XXXX and it was transferred to westlake financial. They did it in XXXX and we was not notified by email or mail that our loan was turned over to Westlake Financial. So we sending our payment to XXXX   XXXX for XXXX and XXXX which was not sent to Westlake Finanical. So we both got negative History on our credit for XXXX and XXXX. We never got nothing from them letting us know that it was turned over to Westlake Finanical. Plus Westlake Financial didn't even send us anything to let us know that they had our loan. All we asking is that they remove the negative history from XXXX and XXXX on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On my XXXX there is a hard inquiry for XXXX/cbna which I did not do. I did file in two other complaints about my fraudulent reports.

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 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
XX/XX/XXXX An entry is made to my mortgage account by TD Bank ( TD ) in the amount of XXXX with no explanation of what the charge represents. 
XX/XX/XXXX A message is sent to TD through their online customer service asking for clarification of the charge of XXXX. A response from XXXX TD Bank Digital Specialist does not answer my question and provides an XXXX number for review and assistance. 
I was unable to reach anyone using the XXXX number and contacted the local XXXX TD branch for assistance who informed me the issue was with my insurance coverage. 
I contacted my insurance provider who confirmed that my coverage was current, that there had been no lapse in coverage and that all notification of insurance as required had been sent to TD in a timely manner. My insurance provider resent the information to XXXX at that time. I received no acknowledgement from TD regarding that notification or clarification of the escrow disbursement. 
On XX/XX/XXXX another message was sent to TD asking for clarification of the escrow disbursement charge and why my {$700.00} XXXX payment was not credited to my loan. 
My XX/XX/XXXX mortgage payment to TD of {$690.00} was received by TD and listed as a miscellaneous payment. 
On XX/XX/XXXX a miscellaneous receipt of XXXX appeared in my mortgage account with no explanation. I do now know what this entry represents. 
On XX/XX/XXXX I contacted XXXX at TD XXXX Branch for clarification. No explanation was available. 
On XX/XX/XXXX XXXX called and stated that my mortgage account was part of an audit and that she could provide no more information about the account. 
My XX/XX/XXXX mortgage payment to TD of {$690.00} was received by TD and listed as a miscellaneous payment. 
On XX/XX/XXXX mortgage payment to TD bank of {$690.00} was paid. 

I have received no information from TD to clarify the information regarding the Escrow Disbursement nor the miscellaneous receipt on XX/XX/XXXX nor the status of my last three three mortgage payments. 
This is the third complaint I have made regarding this bank and their lack of transparency as to status of my mortgage payments and their erroneous banking audit. 
I have also not received mortgage statements for the past three months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I purchased a microwave from home depot using the home depot credit card from citibank. The microwave was too big and we returned it. Home Depot said you can only return appliances for two days, afterwards they don't have to accept returns. I was told by the salesperson we had two days for returns if it was damaged. They got approval for the return but said that I had to pay a restocking fee, if I didn't they wouldn't accept it. They processed the return and gave me a credit of {$240.00} and had me sign for the transaction. They ran a {$37.00} fee through but never asked me to sign for it. I called Citibank and filed a dispute. I received a letter from Citibank a few days later saying since I was credited {$200.00} the matter was resolved. I called again and explained I was disputing the {$37.00} and was transferred to disputes and XXXX told me that Home Depot has the right to charge the fee. I asked why and XXXX said it was store policy. I asked to see the policy and XXXX said I would have to talk to Home Depot. I asked if they didn't have the policy how could they accept it and end my dispute. XXXX asked me if I wanted to escalate the matter to corporate, I accepted and she transferred me to Home Depot 's XXXX number. The operator told me that XXXX always did this to disputes. I assume XXXX does it to get people to quit fighting.

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 2020-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
Capital account have a collection on my credit. I mailed two notarized affidavit on different dates asking for a signed contract between myself and capital accounts No response twice. I made a complaint with the XXXX XXXX XXXX and capital accounts responded stating I DO NOT HAVE A CONTRACT with them nor A Debt with CAPITAL Accounts they stated they are trying to collect money for another company. How can Capital accounts report falsely report I owe them to the credit bureau 's but say I don't owe them.Capital account is reporting inaccurate information under the fair reporting act they can not do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation