vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 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: NV

Complaint narrative:
I have an account showing on my credit From XXXX XXXX XXXX which is showing as having a last payment on XX/XX/XXXX. This account was paid off in XXXX and there has been no activity on it since. This makes it past the statute of limitations, as that was over 7 years ago. This account should no longer be showing on my account at all, and should especially not be showing it with the wrong dates.

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 2021-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
I have a VA Mortgage loan with Loan Depot. I reinfinaced with them in XXXX of 2020. I sent in a payment of XXXX through my bank, XXXX, on XX/XX/2020. I received an email from Loan Depot it was received on XX/XX/2020. However, it was never applied to my loan. I also sent in another payment in XXXX which was applied to my loan and balance, but the first was was not. 
I have called loan depot over 8 timesand sent over 5 secured messages to them about the situation. No one can tell me how to get this fixed or apply my payment they have to my loan. I also faxed in proof of payment from XXXX on XX/XX/2020. I have not heard anything back. I want them to respond and apply payment. 
Loan is XXXX. My name is XXXX XXXX. It is a VA loan through Loan Depot

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: CA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

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 2021-01-07 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: CA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/2021 I called Transunion in order to figure out why it is giving me an error about disputing online. I speak with a few agents who were confused and sent me to their supervisor. I spoke with A supervisor by the name of XXXX his transunion employment number is XXXX. He specifically told me I can not dispute any collection or chargeoff online. Then he told me I should call the dispute department who should be able to do it. But when I call them they immediately send me to special handling in which they told me my file is good and should be able to dispute. I have been on the phone for 5 hours with three different departments consecutive times and no one can identify why I cant dispute on the phone or online. Please give me some help or correspondence to get this corrected.

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 2021-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
Good Afternoon, I understand that I owe a credit card balance to TD Bank. I am not disputing that. 
I am using a debt settlement company XXXX XXXX to assist in settling multiple credit accounts as I'm several thousand dollars in debt. 

I have informed TD Bank several times that XXXX XXXX will be handling everything and I have provided them with the contact information for that company. However, I am still getting calls every day. I have gotten calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ( two calls ) XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. I am always polite and just iterate that they have the correct contact information for XXXX XXXX. I mentioned that they shouldn't call me or to send me notices in the mail and even mentioned the act that they shouldn't call me repeatedly and the associate advised that it's her job- she's supposed to call to remind me about my debt and that she didn't know about an act preventing her from doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have contacted the creditor to let them know I am a victim of identity theft ; I have never resided in XXXX XXXX nor did I go to seek medical care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Evergreen Moneysource Mortgage Company
State: OR

Complaint narrative:
We have been providing XXXX XXXX and XXXX XXXX XXXX of Evergreen Home Loans every bit of information requested for months. Specifically and the latest incident is that our loan was declined due to the fact our rental property has not been rented for at least a two year period of time. When we inquired as to why they were telling us this only now when we furnished the rental property information months ago, their response was " lending requirements are always changing ''. In fact we learned that this has been a requirement of the USDA since 2016. Meanwhile, we have to forfeit a deposit we put on a manufactured home at the request of XXXX XXXX, a loan processor for this company to enable her to obtain a copy of the sales agreement in the amount of {$2500.00}. The evidence backing this complaint is in the form of numerous emails we will be happy to forward upon your request.

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 2021-01-07 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX CXX/XX/XXXX Account Number XXXX XX/XX/XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX CT XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXXXX/XX/XXXXXXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XX/XX/XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX DE XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX 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 2021-01-07 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XX/XX/XXXX Account Number XXXX XX/XX/XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX CT XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXXXX/XX/XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XX/XX/XXXXXXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XX/XX/XXXXXXXX XXXX G XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX DE XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XX/XX/XXXXXXXX XXXX FACTUAL DATAXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: LA

Complaint narrative:
Last XXXX I've sent documentation for those unknown and inaccurate accounts I found on my credit report. It's been 60 days now but there's no response yet. I'm a victim of Equifax Data Breach. I demand to immediately DELETE those accounts or I will file a litigation for causing me so much stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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 found out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never given any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in 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 2021-01-07 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: FL

Complaint narrative:
I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never given any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: WV

Complaint narrative:
Jefferson Capital would non stop call in regards to a disputed debt that occurred with XXXX XXXX over 2 years ago.I told XXXX I was going on XXXX overseas and to put a hold on my account. XXXX never put a hold on my account and immediately threw it into collections while I was XXXX. They damaged my credit and refused to correct it even though it was a violation of the Servicemember Civil Relief Act. Eventually the credit bureaus dropped XXXX derogatory notes after disputing them. Now XXXX ofXX/XX/XXXX Jefferson Capital decided to pick up this debt and won't stop calling me and hit my credit every month with a derogatory remark of past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NE

Complaint narrative:
Timeline:XXXXXXXX  We receive a statement from Specialized Loan Serving requesting an additional {$630.00} for our escrow account. Investigating why this amount is so much we looked at our insurance and taxes which both went up.Increase in insurance = {$270.00} Increase in taxes = {$170.00} {$270.00} + {$170.00} = {$440.00} We agree with the loan serving company that these amounts have increased.However, {$630.00} - {$440.00} = {$180.00}. 
When we asked why and where the additional {$180.00} is coming from, we get no answers, other than : that is what our records show and our escrow account needs {$870.00} at all times. 
Currently our escrow account on our XX/XX/XXXX statement posts that our escrow balance is {$1100.00}. When we ask why do you need more of our money in our escrow account when the current balance is {$1100.00}, allow get is : that is what our records show and our escrow account needs {$870.00} at all times. 
In addition, our statement from XX/XX/XXXX states that the loan service did not make any payments to our escrow account for the months of XXXX - XXXX, XXXX, XXXX, XXXX or XXXX. When we ask why they were negligent in placing money into escrow for those months, we get no answers other than : that is what our records show and our escrow account needs {$870.00} at all times. 
Specialized Loan Serving contacts from XX/XX/XXXX to XX/XX/XXXX : XX/XX/XXXX XXXX asked for new documentation, never received it XX/XX/XXXX XXXX asked for new documentation, never received it XX/XX/XXXX XXXX for new documentation, got an email, same information with no changes XX/XX/XXXX XXXX XX/XX/XXXX XXXX The response from all these contacts is the same : we get no answers other than : that is what our records show and our escrow account needs {$870.00} at all times. 
Note on XX/XX/XXXX when we asked to talk to the next supervisor, XXXX refused to transfer us to any other supervisors or representatives. 
We would like to know why the Loan serving company wants more escrow money? 
We would like to know where the additional {$180.00} is coming from on their end?

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 2021-01-07 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: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XXXX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Charged for returned shipping, when I never received the product. So why would I return it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AutoBank Financial, LLC
State: IL

Complaint narrative:
My husband and I purchased and financed a car from this establishment had problems with them from a start but eventually moved away and continued making our payments ON TIME and never contacted them again. My husband unfortunately got into an accident and was car-less for 4 months. Was a total loss. We called AutoBank Financial a week before new years and a day or 2 before XXXX to ask if they got the paycheck from our insurance for pay off and we asked them if it cover the full amount and they said yes. On XX/XX/XXXX i found out AutoBank Closed our account under FALSE pretenses making both our credits go down significantly, saying that we still owe money towards that car and have not paid. We called them MANY times asking why they told us it was paid off when it wasnt and asked for receipts of what was paid and the remaining amount and they kept giving us the run around. Apparently no one in that place knows anything because we spoke to manager and customer service and no one knows how to answer our questions. Truly unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There is someone using my social security number in XXXX Florida, theyve opened up credit cards and are using my health insurance.

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 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
This account is showing up on my credit report as not paid. I have attach a letting from the company saying that this account was paid in full.

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