vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
RE : Southwest Collections Account # XXXX Collecting for XXXX The account was opened on XX/XX/XXXX I have been trying quite some time to get validation on this alleged debt. The firm has placed a collection in the amount of {$1400.00} on my credit report. When I called I was informed that the amount was for equipment and for service. While I may have an amount due for services I do not owe for equipment. When I contacted Southwest about this I was informed that the documents they possessed stated that the debt was for both and therefore that is what they are collecting for. It was suggested that I might contact XXXX and get documentation showing that I returned the equipment. This is the 2nd collection company they have put on my credit report. 

I called XXXX on XX/XX/XXXX and requested that they investigate this account. 
I spoke with XXXX and was informed that it would take about a five days for them to find the records. 
I called back in XXXX to find that they still had not completed the investigation. 
On XX/XX/XXXX they stated the bill did not include equipment but the last bill from them dated XX/XX/XXXX stated a credit for XXXX and a bal owed of XXXX which was for equipment which I returned to the XXXX  office. They also have a new billing system that started in XXXX so they can't locate the equipment. 
Now I'm being told that I own XXXX and that amt has nothing to do with equipment but I have a bill that states I don't owe that amount. According to this bill I own them nothing. I have sent the attache bill to them on XX/XX/XXXX and have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed it with XXXX and Experian they both denied the claim stating XXXX XXXX Provided proof. I had legal service req proof and the submitted a ledger from XXXX XXXX which was a former property manager for The XXXX XXXX in XXXX TX. 

I sent proof I didn't owe the full amount to XXXX XXXX and the bureaus. The Bureaus responded " we are not required by law to dispute a second time '' My complaint is against the Bureaus, XXXX XXXX and XXXX XXXX. They are holding me up from buying my house.

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 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am not sure how this Happened but I was a ID theft victim and I have send paper work to the bureaus showing that and they still will not remove from my reports The debts do not belong to me Macys/DSNB XXXX {$910.00} XXXX XXXX {$630.00} Act # XXXX XXXX XXXX XXXX  XX/XX/2018

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 2019-12-10 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  Credit reporting agencies (Experian  , XXXX , XXXX) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they posted on my credit report.  I demanded to see Verifiable Proof (an original Consumer Contract with my Signature on it) that have on my credit file of the accounts. After I kept disputing and sending letters, they have failure to positively verify those accounts that has been hurting my ability to obtain credit.   Under the FCRA, unverified accounts must be removed, and they are unable to provide me a copy of verifiable proof. They must remove those accounts which have been listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NJ

Complaint narrative:
XXXX/Dovenmuehle Mortgage Inc,they are crooks and they committing fraud,trying to steal my home.XXXX concocted the fraud stating that they raised my monthy payment for almost $XXXX per month ,fraudulently stating that my real estate taxes doubled.(not the case).After numerous complaints,phone calls,letters,emails they stated that the increase was due to my home insurance (stating my home insurance is $XXXX   per annum (while in reality insurance is $XXXX).They continue sending me letters stating my home is being placed into foreclosure and fraudulently demanding extra $XXXX to be paid.myself and my family had to sell car,diamonds ,paintings and other valuables at the fraction of the price.Refinancing loan ,saving us $XXXX in mortgage during the life of loan  did not get through due to false credit reporting by XXXX.XXXX/Dovenmuehle is a fraud and need to be shut down in USA.Need your help to recoup financial  damages and this fraud of a company need to be shut down, or be highly overseen by government.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I contacted the company in regards to my credit report showing inaccurate and incomplete accounts information. Reporting to creditors and lenders different information than what's being showed on my credit profile. Also, accurate are reappearing after been deleted for statue of limitations or dispute them and no validation from the creditors. The original date of delinquency is not listed, payment history, amount owed or Collection Names of account hold. Also, there are several inquiries I am requesting to be disputed in while they prevent me from doing. I filed one dispute and need to do another but Experian refusing to allow me to do so. Please help me to result this issues. And because Experian reporting inaccurate information I getting denial letters, inquiries on my report and decrease in my credit scores

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 2019-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
To whom it may concern,Citi of XXXX XXXX, NY found at online.citi.com mistakenly withheld federal tax on my personal savings account ending in ....XXXX for the amount of XXXX on XX/XX/2019.  They have neither reimbursed me nor issued a provisional credit and are in violating my rights afforded to me under Regulation E.  Initially I thought that maybe there was a new rule or requirement that they do so but that was not occurring on other accounts with other financial institutions.  I decided to inquiry to understand what that may have occurred.  On approximately XX/XX/2019 I reached out to them via in app messaging.  I was connected to "XXXX" at XXXX.  XXXX  told me that withholding tax takes place on accounts that are not W9 certified.  When I started asking questions they realized that "this is bank's error and we are now in the process of fixing it."  On XX/XX/2019 my monthly interest payment was applied to my account but the withholding still was not corrected.  I contacted them again on XX/XX/2019 via the in-app messaging and was connected to "XXXX" at approximately XXXX.  Jo said they were aware and I "may" get the money back by end of year.  I asked for clarification and was told they "are working on it" and have no firm date.  It seems apparent that they have resolved the issue which causes the system to withhold future tax as it did not occur in XX/XX/XXXXbut they have not made the customer, me, whole.It is my belief that they performed an electronic funds transfer in the form of a withdrawal from my account without my consent and in error.  Pursuant to Regulation E they have 10 days to resolve or issue me a provisional credit.  As they have identified the error they are required to fix it within 1 business day.  None of these actions were taken therefore I am filing a complaint of Regulation E violation.Thank you,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 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Ive previously file a complaint on this matter under case XXXX. 

This lender continues to provide grossly inaccurate escrow statements. After having called me and to confirm it erred in failing to pay my home owners insurance and thus resulting in a unnecessary, four times more expensive forced placed policy ... after having gone through this process with the CFPB, the bank still sent an erred escrow statement and claims its accurate, without regard to facts acquiesced in this case. 

The company sent its escrow statement after the comment period closed on this case. Now its refusing to provide an updated, accurate escrow analysis and overall account balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
Hi Team,I was staying in XXXX XXXX apt in XXXX ,MI from XX/XX/XXXX till XX/XX/XXXX. Due to a family emergency i left XXXX on the month of XX/XX/XXXX. i left some stuff in my apt, where XXXX XXXX hired profession to throw them away (As per my request) and charged me a final bill of $XXXX.I came back to USA in XX/XX/XXXX, XXXX XXXX XXXX XXXX called me and requested me to pay this amount in full. when i checked my credit score it came down since it has been reported to credit bureau.I contacted XXXX XXXX, they gave me a final bill and requested me to pay it direct to XXXX XXXX XXXX XXXX. i paid the amount in full, XXXX XXXX (XXXX XXXX) removed this impact and my score were normal in the month of XX/XX/XXXX.Now a new company called National credit system collection agency from XXXX,GA is requesting me to pay the same amount in full. when i sent them all necessary information, and told them that i had paid this amount in full through XXXX XXXX XXXX XXXX. But they again bought my score down in the month XX/XX/XXXX and requested me to repay the amount only then they will remove this from credit bureau.I humbly request team to investigate and kindly provide me a solution for this. I tried to contact club meridian apt but no response and this is going on for the past 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: UT

Complaint narrative:
XXXX  XXXX  #XXXX  is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: UT

Complaint narrative:
XXXX XXXX  # XXXX is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: USCB Corporation
State: UT

Complaint narrative:
USCB Corporation #XXXX is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NM

Complaint narrative:
XXXX and LoanDepot could not accomplish simple communication between each other in regard to basic refinancing of home loan. Getting the docs to the title company took 4 separate reschedules with the notary to get closed on the refi. Almost a month later, it was discovered that an income sheet wasn't filed appropriately and the paperwork sat on a senior loan officer 's desk for over a week without the issue being corrected. The senior officer 's excuse for the delay was that she had over 100 docs to do and that she was out sick for a week plus they were gone for the holidays. Completely inexcusable to expect the customer to continue to rearrange their work schedule to complete a simple refi closing, and to add more insult to injury, offer nothing more than an apology for the mishap. Horrible companies to conduct business deals with.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA

Complaint narrative:
I WAS SEARCHING INTERNET FOR A 2ND MTG, SECURED BY A RENTAL PROPERTY. MULTIPLE CONTACTS RESPONDED AND AFTER EXPLAINING WHAT TERMS I WANTED - MOST LENDERS SAID THEY WANTED A FIRST POSITION - I UNDERSTOOD - XXXX XXXX ( NMLS XXXX ) WITH CARDINAL FINANCIAL COMPANY SAID HE WOULD REVIEW THEIR COMPANY POLICY AND GET BACK TO ME - HE DID NOT CONTACT ME AGAIN - BUT INSTEAD PREPARED A LOAN PACKAGE ( LOAN # XXXX ) AFTER HAVING XXXX XXXX PULL A HARD CREDIT - THIS LOAN PACKAGE DOES NOT REPRESENT ANY OF THE ITEMS THAT I WAS WANTING IN A LOAN - RATHER THEN USING MY RENTAL PROPERTY AS COLLATERAL - THE LOAN IS UTILIZING MY PRIMARY RESIDENCE - THERE IS NOTHING IN THIS LOAN REQUEST THAT I REQUESTED OR WAS PREPARED TO CONSIDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: FIRST NATIONAL BANK OF OMAHA
State: ID

Complaint narrative:
In XX/XX/2019 I discovered that a fraudulent charge was made to my credit on XX/XX/2019 after the attempted charge on XX/XX/2019 was denied. 

I called First National Bank of Omaha and reported the fraudulent charge the was made by Investing Daily on XX/XX/2019 in the amount of {$140.00} for XXXX XXXX   XXXX. 

I also reported to FNBO that I had never done business with XXXX  XXXX  nor had I ever received any services from XXXX  XXXX. 

FNBO during their investigation called XXXX XXXX who told them at first that it was a renewal from a trial and earlier subscription. 

After receiving the denial from FNBO, I called FNBO on XX/XX/2019. The customer service representative could not find any prior charges made by XXXX  XXXX to my credit card for this subscription service which I have never received any services from them. I was told it would be resolved in my favor. 

FNBO again started charging late fees, interest and over due fees for this charge which was fraudulently made by XXXX XXXX. Neither FNBO nor XXXX  XXXX has been able to produce a signed written authorization or any other documentation proving that I authorized this charge to my credit card. 

I want the fraudulent charge removed from my account including all late fees, interest and over due fees. I want all negative reports to all three credit reporting agencies removed as soon as possible.

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 2019-12-10 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:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  Credit reporting agencies (XXXX  , XXXX  , Transunion) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they posted on my credit report.  I demanded to see Verifiable Proof (an original Consumer Contract with my Signature on it) that have on my credit file of the accounts. After I kept disputing and sending letters, they have failure to positively verify those accounts that has been hurting my ability to obtain credit.   Under the FCRA, unverified accounts must be removed, and they are unable to provide me a copy of verifiable proof. They must remove those accounts which have been listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  Credit reporting agencies (XXXX , Equifax , XXXX) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they posted on my credit report.  I demanded to see Verifiable Proof (an original Consumer Contract with my Signature on it) that have on my credit file of the accounts. After I kept disputing and sending letters, they have failure to positively verify those accounts that has been hurting my ability to obtain credit.   Under the FCRA, unverified accounts must be removed, and they are unable to provide me a copy of verifiable proof. They must remove those accounts which have been listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: NY

Complaint narrative:
I called TransUnion in XX/XX/XXXX to dispute data on my credit report. 
While some inaccuracies were less significant such as inclusion of my deceased father 's name and outdated phone numbers, my primary complaint about a late payment on a closed XXXX XXXX ( XXXX ) account was not addressed or corrected. 
Before contacting TransUnion, I called XXXX concerning the corresponding account number listed on the TransUnion credit report and XXXX informed me that they had no record of me having such an account. 
I then contacted TransUnion to question their report. I told the TransUnion rep that XXXX had no record of me holding the listed account and requested TU to either provide a corrected XXXX   account number or delete the listing of a XX/XX/XXXX late payment of the listed {$5.00} balance.

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