vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
My co-borrower and I funded our closing escrow accounts XX/XX/XXXX and were due to close XXXX XXXX. I contacted the company by email, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding the delay in funding our mortgage loan. I also questioned need for 2 sets of escrow documents needing signatures, what increased costs did we incur due to the delay of funding and being charged a reappraisal fee. Our XXXX XXXX loanDepot office was unable to answer any of our questions so I sent a certified letter via US Mail to the corporate office in XXXX XXXX, CA on XX/XX/XXXX XXXX company received it XXXX XXXX. No reply from the corporation. I wrote again on XXXX XXXX with no reply. I wrote the CEO XXXX XXXX via certified US Mail on XX/XX/XXXX XXXX company received it XXXX XXXX ). STILL NO REPLY!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. Most of these accounts do not have an address or name attached in order to dispute the inaccurate repot.. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Remove all late payments and change the payment status to current because of Cares Act. 
XXXX Account XXXX : XXXX Please ensure that all information is accurate 2. You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report. 
Account Number : XXXX Please remove it from my credit report. Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 SW 715 791. I may presume that there is no proof of the alleged debt nor if any such debt in fact exists.

3. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report.

Account Number : XXXX  Please remove it from my credit report. Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 SW 715 791. I may presume that there is no proof of the alleged debt nor if any such debt in fact exists. 



4. FDCPA section 807 Violation False or misleading representations.

Account Number : XXXX  Please remove it from my credit report.

5. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report.

Account Number : XXXX 15 USC 1681 ( a ) you are in violation with my rights and information you want to be private thats posted on your consumer report is a VIOLATION and infringing on my right to privacy. Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 SW 715 791. I may presume that there is no proof of the alleged debt nor if any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: CA

Complaint narrative:
I have sent the proof to Experian, XXXX, & XXXX that they are reporting wrong information on my credit report and that it needs to be removed, but they have not removed or sent any response to me at all. I have sent 3 letters to each company starting from XX/XX/2021, XXXX & XX/XX/2021. Ever since Civil-19 they have been getting worse and worse. This isn't fair.

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Its been over 6 months and per tracking ( investigations have been received ) I started my investigation on XX/XX/2020 I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given. I have not heard back from you in over 30 days since my formal written notice of disputed dated XX/XX/2020 and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have been a victim of multiple identity theft issues in my recent past. It started by being homeless for the very first time. Then when some criminals on the street found out about how I was without a phone, computer, ect. And vulnerable that's when they started playing games and tricks with me and also being out right XXXX XXXX with me and making threats to me it I didn't do what they asked of me it would get worse. A XXXX XXXX, stole my bank debit card several times, tried stealing my car title and registration, then XXXX XXXX XXXX XXXX  on XXXX XXXX in XXXX all to steal my car that day. XXXX XXXX had once again cut XXXX a deal in order to put me in harms way to get illegal money that was actually mine. Still to this very day, I've had so much XXXX happen to me over these last six years, how could I tend to fixing my credit report when I was merely trying to not XXXX  or XXXX XXXX XXXX outside in the winter snowy cold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: CA

Complaint narrative:
I have sent the proof to XXXX, Transunion, & XXXX that they are reporting wrong information on my credit report and that it needs to be removed, but they have not removed or sent any response to me at all. I have sent 3 letters to each company starting from XX/XX/2021, XXXX & XX/XX/2021. Ever since Civil-19 they have been getting worse and worse. This isn't fair.

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 2021-06-01 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: CA

Complaint narrative:
I have sent the proof to XXXX XXXX, & Equifax that they are reporting wrong information on my credit report and that it needs to be removed, but they have not removed or sent any response to me at all. I have sent 3 letters to each company starting from XXXX/2021, XXXX/2021/ & XXXX/2021. Ever since Civil-19 they have been getting worse and worse. This isn't fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AK

Complaint narrative:
I never received anything from midland credit only way I found about the debt is that it popped up on my credit report. During my first phone call with them. I stated that I would contact a attorney if I need to but that I currently do not have one. I tried to call back to settle the debt and they would not allow me to pay. I have this on voice recording which I stated that they were being recorded before the conversation. They want written letters and would not allow me to just pay my debt. I feel as if they dont have enough info about the debt and are trying to do something shady. When I tried to pay they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I was in forbearance as of XX/XX/2020. I made my monthly escrow payments as I was told or after forbearance I would be responsible for them. I just got out of forbearance and I am being told I am XXXX short in my escrow because 3 of my escrow payments in XXXX XXXX and XXXX of this year were applied as a payment and not to my escrow. They want the shortage in full or increase my mortgage XXXX a mth which I cant afford. Besides I did what I was supposed to do. Mr cooper screwed up. They will not reverse the payment and put the money back in my escrow. Called XXXX XXXX my loan holder and they have opened a ticket to see if the can assist me. So upset

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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 — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX and I was unable to make my payment which caused me to have a 30 day late payment. While being ill I spent a lot of time trying to get ahold of someone who can help me over the phone. The payment was 30 days late. I have NEVER in my life been late. Especially with this company. This is my 3rd account with American Honda finance. I have spoken to customer service and I wrote a letter explaining my unfortunate circumstances and I was denied. I dont think it was right as it was a health related issue that I could not control. I should be able to get a one time courtesy as before and after that late payment Ive never been late. I understand business is business but I was fighting for my life and not able to get this one 30 day late payment removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
Robinhood cryptocurrency orders were delayed on XX/XX/XXXX from XXXX - XXXX. At this time, the price fluctuated dramatically and I was unable to complete trades. The trades that were completed were not at the prices promised. This caused me to lose aprox. {$50.00}. I am looking for this credit. Robinhood did not give an appropriate response for weeks and has then not been able to answer what the criteria are for credits, and refuses to budge on a " final decision ''. This should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is cross referencing my name with a XXXX XXXX formerly XXXX. I have a Chase credit card with them and the other XXXX XXXX has an auto loan. On the Chase application I see her auto loan along with my credit card account and the account name references XXXX XXXX not XXXX XXXX XXXX. Ive reached them multiple times and have done nothing. This has caused other of XXXX XXXX debt to come to my credit reports. I was able to dispute that with credit bureaus but I am afraid that they will keep associating me with this person. Please have Chase and credit bureau from cross-referencing me with this XXXX XXXX. Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Its been over 6 months and per tracking ( investigations have been received ) I started my investigation on XX/XX/XXXXI contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given. I have not heard back from you in over 30 days since my formal written notice of disputed dated XX/XX/ and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Its been over 6 months and per tracking ( investigations have been received ) I started my investigation onXX/XX/XXXX I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given. I have not heard back from you in over 30 days since my formal written notice of disputed dated XX/XX/ and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harvard Collections, LLC
State: MO

Complaint narrative:
A collection agency has now reported a debt that was over 20 years old and had been included in a bankruptcy. The reported item has been disputed. Item has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I started my investigation on XX/XX/XXXX- I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given and not notified within 5 days. I have not heard back from you in over 30 days since my formal written notice of disputed datedXX/XX/XXXX and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2021-06-01 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: NV

Complaint narrative:
1.XXXX XXXX  XXXX was added to my credit report in error this is not my account 2.XXXX the balance is incorrect and I have never paid late 3.XXXX  XXXX was added to my credit report in error this is not my account These large items along with others have been disputed with the credit bureaus and are still reporting on my credit

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I started my investigation on XX/XX/XXXX- I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given and not notified within 5 days. I have not heard back from you in over 30 days since my formal written notice of disputed dated XX/XX/ and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I started my investigation on XX/XX/2021 - I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given and not notified within 5 days. I have not heard back from you in over 30 days since my formal written notice of disputed dated 02/2021 and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2021-06-01 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:
XXXX is cross referencing my name with a XXXX XXXX formerly XXXX. I have a XXXX credit card with them and the other XXXX XXXX has an auto loan. On the XXXX application I see her auto loan along with my credit card account and the account name references XXXX XXXX not XXXX XXXX XXXX. Ive reached them multiple times and have done nothing. This has caused other of XXXX XXXX debt to come to my credit reports. I was able to dispute that with credit bureaus but I am afraid that they will keep associating me with this person. Please have XXXX and credit bureau from cross-referencing me with this XXXX XXXX. Thanks, 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 explanation
Consumer complaint received 2021-06-01 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: NY

Complaint narrative:
This investigation is not right it has to violate some type of law. They have disregarded a police report that was sent out to them. They are not following human law. They are completely not caring or giving any insight into how it is even possible for this account to be on my report. This account is not right. I HAVE DISPUTED THIS ACCOUNT MORE THEN THREE TIMES WITH A POLICE REPORT THEY TOLD ME THAT THE ACCOUNT WOULD BE REMOVED BUT THEY NEVER EVER REMOVED IT. Its been more then to long for a fraudulent account to be on my report. If I dispute account as fraud it should be removed then a reinvestigation should take place. This is totally wrong why are y'all doing this to a loyal client it is FRAUD it is FRAUD it is FRAUD. I have attached a police report for the 4th Time this is not my account. Proof of my id & police report attached.

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