vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-24 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: IL

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a collection in the amount of {$640.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX XXXX. I have provided a copy of the check for {$350.00} dated XXXX payable to XXXX XXXX XXXX XXXX XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I am or was refinancing my primary residence at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I locked my rate and submitted my loan application on XX/XX/XXXX. After constant delays and hiccups Loan Depot set a traveling notary to our house to sign and notarize documents/signatures. on XX/XX/XXXX they emailed me stating they all the documentation in underwriting with our signatures for final review ( Im a licensed XXXX year XXXX XXXX XXXX in XXXX XXXX, XXXX  and also in XXXX since XX/XX/XXXX ). On XX/XX/XXXX I received an email that we funded and would be closing the same day. After that there was no indication or communication that the Deed ( s ) were recorded. I have been checking my bank to verify my loan being paid off which usually shows up within 24 hours and saw nothing on-line on Loan Depot 's website? I have emailed every one I could get a hold of via email and telephone and I finally pulled a Closing Disclosure off their website today. My loan is still in place 1 week later with my existing lender XXXX XXXX, the XXXX XXXX XXXX XXXX that was supposed to receive the 1st installment payment out of the refinance has received now payment. Furthermore, XXXX XXXX Bank has not received any contact or payment for payment of the existing 1st Deed of Trust. We have received nothing in the mail. I have contacted every one I could at Loan Depot. They do not respond with the exception of the lending department manager yesterday called me and stated they do not have the money on hand, but the deal has closed. Im a XXXX  year XXXX XXXX XXXX and have never heard of a deal closing with no previous debt paid off, the Deed ( s ) recorded and a final HUD1 ( Closing Dispersement ). I am concerned that Loan Depot may have funded the loan and kept the money and/or misappropriated to another borrower or never funded and actually closed and my exposure of either of these scenarios is potentially have one unrecorded loan accruing interest in our names and us not knowing where the money is located in addition to our existing mortgage accruing interest at a much higher rate at the same time and our 1st installment property taxes being delinquent or being paid  twice and then trying to collect the monies?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Paid of motorcycle won't give me title till other bike is paid off? But yet I'm a good customer? Paid payments on both bikes on time never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: IL

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a collection in the amount of {$640.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX XXXX. I have provided a copy of the check for {$350.00} dated XXXX payable to XXXX XXXX XXXX , XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

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 2019-10-24 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: IL

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a collection in the amount of {$640.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX XXXX. I have provided a copy of the check for {$350.00} dated XXXX payable to XXXX XXXX XXXX XXXX XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

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 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am applying for a mortgage. My loan officer emailed me today ( XXXX XXXX ) to let me know that she was unable to pull my credit from XXXX because my credit report was 'blocked ' and TransUnion because 'they were not reporting a score '. I called both companies today. XXXX was unable to verify my identity over the phone. They asked me identity questions about home/car/other loans ; however, I have never taken out a loan as of this mortgage application process. This makes me concerned that my identity has been stolen ; however I can't access my credit report to verify if it has been stolen. XXXX requested that I mail or fax them photo copies of my driver 's license and social security card to verify my identity, but the idea of sending copies of my IDs through the mail makes me uncomfortable. TransUnion said that a credit report exists for me ; however there is no way that my loan officer can access it independently of me giving her a copy of a report that I request myself ( which is invalid by her bank 's standards, obviously ). 

I am concerned as a result of these difficulties that my identity has been stolen. I went to XXXX to pull my credit from all three CRAs. I was unable to do so for all three. They all asked me identity questions pertaining to loans that I have never heard of. Some also asked me about credit cards that I have never had. As a result I am concerned that my identity has been stolen. 

I have yet to contact XXXX but I don't anticipate that it will be fruitful.

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 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am applying for a mortgage. My loan officer emailed me today ( XXXX XXXX ) to let me know that she was unable to pull my credit from XXXX because my credit report was 'blocked ' and XXXX because 'they were not reporting a score '. I called both companies today. XXXX was unable to verify my identity over the phone. They asked me identity questions about home/car/other loans ; however, I have never taken out a loan as of this mortgage application process. This makes me concerned that my identity has been stolen ; however I can't access my credit report to verify if it has been stolen. XXXX   requested that I mail or fax them photo copies of my driver 's license and social security card to verify my identity, but the idea of sending copies of my IDs through the mail makes me uncomfortable. XXXX said that a credit report exists for me ; however there is no way that my loan officer can access it independently of me giving her a copy of a report that I request myself ( which is invalid by her bank 's standards, obviously ). 

I am concerned as a result of these difficulties that my identity has been stolen. I went to XXXX to pull my credit from all three CRAs. I was unable to do so for all three. They all asked me identity questions pertaining to loans that I have never heard of. Some also asked me about credit cards that I have never had. As a result I am concerned that my identity has been stolen. 

I have yet to contact Experian but I don't anticipate that it will be fruitful.

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 2019-10-24 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-10-24 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Regional Collection Services, Inc.
State: OH

Complaint narrative:
Debt collector called me several times at my place of employment even after I asked them not to more than twice. This debt was also submitted to a debt collector without XXXX XXXX   XXXX Hospital informing me of this outstanding balance. The company closed and did not inform me of closure or outstanding bill, just went ahead and submitted to a debit collector without the chance to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: IL

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to Experian and XXXX a collection on the XXXX XXXX, XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX XXXX, XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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 2019-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
ON XX/XX/XXXX I authorized a payment of {$460.00} to Huntington National Back, the lending institution for my XXXX XXXX XXXX. My regular payment is about {$440.00} however, I missed a payment due to a medical situation a few months back and pay a little extra monthly to get caught up. Later in the day on XX/XX/XXXX I was online paying thru my XXXX online app and did not see the payment pending so I called H and a male rep answered the call. He indicated I had an " overage '' of about {$230.00} and if he applied the overage I would be current. At no point during the conversation did he equate " overage '' with " past due '' amount. He processed a payment of {$680.00} which was not my intent nor did I authorize. I called today ( XX/XX/XXXX ) after noticing what he had done after my bank sent me an alert for a low balance, I contacted Huntington immediately and after speaking to 3 individuals and treated disrespectfully and condescending have no resolution. The first supervisor was very rude and dismissive about the situation and would give no time for listening to the call. I did indicate I wished to file a complaint and she told me I could do it with her, when I informed her that she is part of the problem she wanted to question how. Hostile and unacceptable behavior in my opinion. Then " XXXX '' calls back approximately 30 minutes later and tells me that I agreed to a payment of {$680.00} and when I asked specific questions, she did not answer and indicated she was not going to argue. At no point did the male rep inform me he was going to debit my account {$680.00} and I agree. I knew about the past due amount bc I referenced the statement during the call, Overage does not equate to past due by any definition I could locate today. The unauthorized payment is going to cause me to incur additional fees and charges on my bank end and the vendors if the bank does not pay. I feel as though the rep did what he did because their may be incentives to collect or else he is just not properly trained to discuss these questions with consumers. They were not willing to waive any late fees. I am requesting that the {$220.00} be put back in my account as fast as they took it out, not a check in the mail and refund any and all fees that I might incur due to this unauthorized amount for my vehicle loan payment. If I planned to pay {$680.00} why would I not have made the payment on the automated system like I did the {$460.00} and I would not be upset calling them back today. They were unwilling to work towards any type of reasonable resolve on top of the unprofessional communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Century Financial Services, Inc.
State: CT

Complaint narrative:
I very often get phone calls from ( XXXX ) XXXX and when I answer it is the same female robotic voice telling me Century Financi is trying to collect a debt which I do not have any debt. When I call back the number, no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
Vajderbilt mortgage refuses to return my escrow funds of {$880.00} after home was paid off. They claim there is no escrow but i have a screen shot of my mortgage account showing all payments, escrow, taxes, my loan number and do on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: IL

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection on the XXXX XXXX, XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX  XXXX, XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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 2019-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have been receiving repeated phone calls from Account Resolution Services. I received 12 calls on XX/XX/2019, 29 calls on XX/XX/2019, 12 calls on XX/XX/2019 and 9 calls on XX/XX/2019 and that is in the month of XX/XX/XXXX. I called XXXX at XXXX XXXX and asked to speak with a supervisor and was xfered to a voicemail. I called back at XXXX XXXX spoke to XXXX at ext XXXX who explained to me that they only called once and I asked about speaking with a supervisor then she begin to go through her script of debt collection. I understand there are laws regarding this. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX XXXX I sent a letter of verification to Experian in hopes of seeing how the company verified three accounts that I disputed in XXXX of 2019. By FCRA law credit reporting agency 's have 15 days to respond to the request with a description of how they obtained the information to verify the report. Experian broke the law because instead of showing proof of how they verified the disputes and sending me the information I requested they opened up a new dispute. This is a direct violation of FCRA section 611. Also its a direct violation of my consumer rights and its inhibit my ability to move forward with certain aspects of my life.

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 2019-10-24 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:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT.

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