vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
This issue is regarding my mortgage with Loan Depot, which closed in XXXX, XXXX. Loan Depot has proven incompetent in administration of my escrow account. 

Upon opening the account, Loan Depot sent annual insurance payments each month for two months to my homeowner 's insurance provider out of escrow. Insurance was funded out of escrow upon closing. They continued to make payments a second month after being informed of the error and indicating it would be rectified. 

Upon receipt of my Supplemental Tax Bill, with the first installment due on XX/XX/XXXX, I contacted Loan Depot and asked them to pay it, pointing out that although the request was irregular, there were more than sufficient funds in escrow for the payment to be made and would continue to be more than sufficient funds for future tax and insurance payments. I made initial contact by phone on XX/XX/XXXX and was told to receive a return call within three business days that did not come. On XX/XX/XXXX I reached out through Loan Depot 's 'message center '. After back-and-forth deflective responses, on XX/XX/XXXX I received affirmative notification by phone and email that Loan Depot would pay the Supplemental Tax Bill on or before XX/XX/XXXX. 

On XX/XX/XXXX I reached out to Loan Depot by phone, as the payment had not been made. The customer service representative could confirm they had the bill but could not confirm arrangements had been made to pay. This morning ( XX/XX/XXXX ) I have paid the bill personally. I then reached out to Loan Depot by phone to close my escrow account pursuant to California Civil Code 2954 ( I put 20 % down on my home ). I was transferred and/or left on hold for 1.5 hours. I finally spoke to someone in apparently the correct department who told me to submit a written request through the 'message center ' on their website, which I did. She indicated it would take up to 30 days to receive a response, which may or may not go my way. 

Loan Depot has demonstrated they are dysfunctional, and incapable of competently administering my impound account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: RI

Complaint narrative:
Today XX/XX/21 I called American credit acceptance to try and pay off my loan, which is approximately {$11000.00}. I offered to pay XXXX to close the account today. They are not willing to go down a penny of what the balance is.I even tried to return the vehicle, which they told me I would still have to owe the remaining balance. I have lost my job due to COVID-19. I am still waiting to receive my unemployment benefits, so I have no income. I am a single mother of a XXXX  year old. I would like to just get this settled so the company can get their money, and I am not struggling to survive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE CHAPTER XXXX CASE # XXXX IS REFLECTING INACCURATE INFORMATION AND SHOULD BE DELTED DUE TO THE BK CASE NUMBER BEING ENTERED INTO THE BK SYSTEM UNDER 2 DIFFERENT FILINGS. THE CORRECT CASE NUMBER IS XXXX AND CASE # XXXX SHOULD BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE CHAPTER XXXX CASE # XXXX IS REFLECTING INACCURATE INFORMATION AND SHOULD BE DELTED DUE TO THE BK CASE NUMBER BEING ENTERED INTO THE BK SYSTEM UNDER 2 DIFFERENT FILINGS. THE CORRECT CASE NUMBER IS XXXX AND CASE # XXXX SHOULD BE DELETED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE CHAPTER XXXX CASE # XXXX IS REFLECTING INACCURATE INFORMATION AND SHOULD BE DELTED DUE TO THE BK CASE NUMBER BEING ENTERED INTO THE BK SYSTEM UNDER 2 DIFFERENT FILINGS. THE CORRECT CASE NUMBER IS XXXX AND CASE # XXXX SHOULD BE DELETED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: CA

Complaint narrative:
In XX/XX/XXXX I noticed a derogatory account listed on my credit report, which had negatively impacted my credit rating. I discovered this was from a company called IC Systems. 
Upon calling ICS I was informed I had an outstanding debt of {$120.00} from XXXX  dating from XX/XX/XXXX. They said it related to my not returning broadband equipment, which I had. 
I asked repeatedly for them to provide evidence of this debt which they have not. I explained that I had been a XXXX  customer from XXXX to XX/XX/XXXX and therefore it was illogical that I would have debt with them during that period when my account was in good standing. They argued that as they were separate accounts ( one closed in XXXX and a new on started the same month due to moving home ) that it wouldnt show. It was confusing as I have never had any issue with my XXXX  billing. 

The representative on the call said that IC had written to me a few times in the past few months ( coincidentally since I closed my XXXX  account in XX/XX/XXXX ). I explained that I have been out of the US ( in the XXXX ) as a consequence of the coronavirus pandemic so hadnt seen the mail but asked to be communicated with via e-mail instead. He refused to have them e-mail me. On my opinion, in this day and age, there is no good reason not to write by e-mail. There is no more or less chance of risk than with a call or physical letter. It is a tactic on their part to draw me deeper in to problems. As a side note I believe the name IC Systems to be deliberately misleading too. It does not address the nature if their business and could be easily overlooked as junk mail or spam. 

In any case, the representative then asked if I would like to provide further details? I said no as the taped message at the start of the call said any information I provide could be used to pursue me and I dont want to be harassed. The agent said that isnt the case and they wouldnt use it for that. This is early contradictory and also doesnt reconcile with his earlier refusal to write to me via e-mail or to call my XXXX number. He then asked if I would like have to case reviewed, meaning it would be put on hold for a few weeks while it was assessed and no further action would be taken in the meantime. I agreed and asked for the evidence of debt to be sent during that process. 

Two days later they filed another derogatory account notice to my credit report. This company has now severely impacted my credit rating at a tome when people are struggling hugely. They still havent provided me with evidence nor reached out via phone or e-mail. 

I believe they have acted in bad faith throughout. They have caused me stress and affected my future ability to access credit. Their weekly credit updates are designed to weaken and pressurise the individual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: MA

Complaint narrative:
I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being Experian, XXXX  and XXXX XXXX collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to 2013. The two credit reports posted shows XX/XX/2013 as the first late payment on XXXX XXXX, and XX/XX/2013 on Experian. In either event, XXXX XXXX has been reporting this account in a negative status for a minimum of 90 months. Accordingly, it is time that XXXX XXXX to remove my account permanently. XXXX XXXX is also in violation of its subscriber agreement with Experian and XXXX XXXX respectively. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently. 
XXXX 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 non-monetary relief
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
This was a company account with a XXXX balance. After my husbands health made it impossible for him to consult any longer, I called in XX/XX/2020 to cancel the account. In XX/XX/2020 I received a bill with a {$25.00} membership fee and in XXXX another bill with a {$75.00} membership fee. I called after both statements and asked again to have the account closed and the fees removed. I was told then the note from XXXX was on the file, but not taken care of. In XXXX same thing. I called again and was transferred to supervisor who assured me it would all be taken care of. In XXXX same thing. I was told it would be taken care of and I should wait for the XXXX statement. When it arrived some of the late fees and interest had been removed, but new fees had been added and the membership fees were still on the account. On XX/XX/XXXX I called again and was passed through four different people. I was also told the notes from XXXX to XXXX were no longer in the file. Finally another supervisor said she would take care of it and call me back. Today I received a call again about the back bill I owed. I explained again and also made them aware that I was filing this complaint. I have been told again this will be corrected, but have no faith it will be. My husband died in XX/XX/2020 and I am undergoing medical treatment for XXXX XXXX. This is very difficult for me. Thank you for any assistance you can give 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 2021-01-29 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: CA

Complaint narrative:
I found discrepancies on my credit report regarding late payments to my XXXX  XXXX account ending in XXXX. I provided proof and dispute with company and credit bureau and No change has come despite providing the proof that payments were made. Something needs to be done in regards to making the corrections As stated, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. Last attempt before having to seek XXXX XXXX and filing a compliant with 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 2021-01-29 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: MA

Complaint narrative:
I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being XXXX, XXXX  and Trans Union collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to 2013. The two credit reports posted shows XX/XX/2013 as the first late payment on Trans Union, and XX/XX/2013 on XXXX. In either event, XXXX XXXX has been reporting this account in a negative status for a minimum of 90 months. Accordingly, it is time that XXXX XXXX to remove my account permanently. XXXX XXXX is also in violation of its subscriber agreement with XXXX and Trans Union respectively. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently. 
XXXX 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 2021-01-29 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2019, XXXX XXXX, XXXX Inquiry : XXXX XXXX, 2019, GM FINANCIAL Inquiry : XXXX. XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: CA

Complaint narrative:
On XX/XX/2020, I disputed inaccurate information reporting on my credit report by XXXXXXXX XXXX. I was notified by the 3 credit reporting agencies, XXXX, XXXX  and TransUnion that the information was verified. I disagreed with this information, so on XX/XX/2020 I sent a follow-up to the 3 credit reporting agencies that I disagreed with the information reported and requested their method of verification as in my research, I found they should be able to provide me. Again, they verified the accuracy of the reporting and made no changes. 

On XX/XX/2020, I sent a request of verification to XXXXXXXX XXXX so that I can see how and why they have verified this information with the 3 credit reporting agencies, yet, all 3 of them didn't report the exact same thing. Again, in my research, I found that the FACT Act allows me to go directly to the original creditor under Section 312. I requested a bunch of information, however they didn't provide me with the requested information. 

On XX/XX/2020, I sent another dispute to the 3 credit reporting agencies to let them know that I have not been able to obtain actual verification of what XXXXXXXX XXXX  is reporting. I notified them that the information is inaccurate and unable to be verified per my request. 

On XX/XX/2020, I sent another dispute to XXXXXXXX XXXX  to notify them that I've had my rights violated. 

In my research, I found something called Appendix B to Part 1022 - Model Notices of Furnishing Negative Information. My research shows that a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix. I would like to see the actual document that was sent to me to verify that my rights have not been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: CA

Complaint narrative:
On XX/XX/2020, I disputed inaccurate information reporting on my credit report by XXXXXXXX XXXX. I was notified by the 3 credit reporting agencies, Equifax, XXXX and XXXX  that the information was verified. I disagreed with this information, so on XX/XX/2020 I sent a follow-up to the 3 credit reporting agencies that I disagreed with the information reported and requested their method of verification as in my research, I found they should be able to provide me. Again, they verified the accuracy of the reporting and made no changes. 

On XX/XX/2020, I sent a request of verification to XXXXXXXX XXXX so that I can see how and why they have verified this information with the 3 credit reporting agencies, yet, all 3 of them didn't report the exact same thing. Again, in my research, I found that the FACT Act allows me to go directly to the original creditor under Section 312. I requested a bunch of information, however they didn't provide me with the requested information. 

On XX/XX/2020, I sent another dispute to the 3 credit reporting agencies to let them know that I have not been able to obtain actual verification of what XXXXXXXX XXXX  is reporting. I notified them that the information is inaccurate and unable to be verified per my request. 

On XX/XX/2020, I sent another dispute to XXXXXXXX XXXX to notify them that I've had my rights violated. 

In my research, I found something called Appendix B to Part 1022 - Model Notices of Furnishing Negative Information. My research shows that a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix. I would like to see the actual document that was sent to me to verify that my rights have not been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My XXXX card XXXX was charged a {$490.00} membership fee and {$75.00} additional user fee on XX/XX/XXXX. Card was closed on XX/XX/XXXX, I am due a refund of both fees. The refund was not credited to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29 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: CO

Complaint narrative:
Equifax has refused to accept an updated report on a balance from XXXX XXXX since XX/XX/2020. I already had to report Equifax for attempting to illegally block a legal name change. Now they will not accept updates on this account. Balance has been paid off and Equifax is refusing to be truthful on this matter.,

Company response to consumer: Closed with explanation