vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NE

Complaint narrative:
On XX/XX/XXXX, records from The Money Source , Inc. ( TMS Inc. ) show they issued a disbursement from our escrow account for {$1000.00} to XXXX County for XXXX property taxes. However, according to the XXXX County Treasurer records, this disbursement was never applied to our parcel. 

In XXXX of XXXX, we were made aware that our taxes had not been paid. So we paid {$1300.00} ( {$1200.00} Original Amt + {$110.00} Interest/Fees ) directly to the county from our personal account on XX/XX/XXXX to bring the property in good standing. 

On XX/XX/XXXX, records from TMS Inc. show they issued a disbursement from our escrow account for {$1500.00} to XXXX County for property taxes. This record is in agreement with the XXXX County Treasurer records, and shows it was correctly applied to our parcel correctly. 

On XX/XX/XXXX, I called and spoke with a representative from TMS Inc. notifying them of the discrepency in the disbursement they claim they made on XX/XX/XXXX to my parcel from our escrow account. I informed them that the XX/XX/XXXX disbursement for {$1000.00} was not showing on my parcel and that I would like to know what happened to those funds from our escrow. They took my information and concerns down and told me to call them back on XX/XX/XXXX to get an update regarding the matter after they had completed an investigation. 

Middle of XXXX : Receive Escrow statement from TMS Inc. stating our escrow account has a shortage. 

On XX/XX/XXXX, I called TMS Inc. to get an update on the matter, and was told that the XX/XX/XXXX disbursement for {$1000.00} was actually applied to an unrelated parcel that has a very similar address to my parcel. They informed me that they would contact XXXX county in an attempt to get the funds back. During this call, I was informed the process could take up to 6 months, and had no guarantees of successfully refunding the incorrectly applied funds back into our escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: FL

Complaint narrative:
The personal information on my credit report is fraudulent

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 2019-04-25 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
identity theft. some person has opened accounts in my name. credit cards, lease, car loan. i need these removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The personal information on my credit report is fraudulent

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 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RGS Financial, Inc.
State: LA

Complaint narrative:
RGS FINANCIAL IS REPORTING A NEGATIVE REMARK ON MY CREDIT REPORT. MY LAWYER AND I HAVE PREVIOUSLY ADVISED THEY DELETE THEIR NEGATIVE ITEM OFF MY CREDIT REPORT. ACCORDING TO THE ( FCRA ), they are to provide me SIGNED DOCUMENTS with MY signature on them, stating I OWE them the amount shown on my credit report. 

WHO IS RGS FINANCIAL? Ive never contacted them for anything. 

PLEASE DO NOT PROVIDE ME WITH ANY STATEMENTS WITH MY NAME ON THEM, NOR ANY IDENTITY INFO FOR VERIFICATION SUCH AS : name, address, date of birth or social security number. Im assure you are aware of the amount of identity theft there is in the country. 

I DEMAND REQUEST FOR SIGNED DOCUMENTS STATING I AGREED TO PAY RGS FINANCIAL OR ANY SIGNED CONTRACTS I HAD WITH THEM OR PROMPTLY STOP REPORTING TO THE 3 MAIN CREDIT BUREAUS ( XXXX XXXX XXXX ) THIS UNVERIFIED ACCOUNT IS PREVENTING ME FROM LIVING A FAIR LIFE. 

PLEASE PROVIDE ME WITH THE CORRECT VERIFICATION PROVIDED OR I WILL USE LEGAL ACTION IN COURT WHICH IS AWAITING!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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:
These accounts are fraudulent XXXX {$550.00} XXXX XXXX {$610.00} XXXX XXXX Universit {$1600.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX   {$1100.00} XXXX XXXX {$1000.00} XXXX XXXX {$2100.00} XXXX XXXX {$100.00} XXXX XXXX   {$100.00} XXXX XXXX {$500.00} XXXX XXXX {$100.00} XXXX {$1800.00} XXXX {$2000.00} XXXX XXXX {$740.00}

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 2019-04-25 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:
identity theft. some person has opened accounts in my name. credit cards, lease, car loan. i need these removed asap.

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 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
To the Team Members who handle complaints ; I live in XXXX IN. My complaint is with Huntington   Bank. 
Issues that I have : 1. Funds deposited to my checking account with Huntington  Bank from a check which cleared over a week ago ; are still withheld without any portion of the funds being released. 
2. I was given multiple/conflicting time frames for which the funds from the check would be released. The policy for holding deposited checks appear to be arbitrary. 
3. Huntington has had several issues with XXXX American customers over the past several months. My check coming from a XXXX Organization appears to follow some of the same unfair and difficult to follow rules that the bank has exhibited in the past few months. 
I have had an account with this back since XXXX of XXXX. I have not had a XXXX balance on my checking or savings accounts. I have not had any NSF/Returned checks/ or fees to these accounts. 
On Tuesday XX/XX/XXXX, I deposited a check for XXXX. These check was from XXXX XXXX XXXX XXXX XXXX, from a XXXX XXXX XXXX  checking account. I contacted Huntingtons call center on Wed because the funds were not available, to see when the funds would be available, I was told the funds would be available 48 hrs. from date of deposit. 
On Friday XX/XX/XXXX, the funds were not showing in my account. I called the call center again. This time I was told the funds would be held for 7 days from deposit. I asked to speak with a supervisor. 
The supervisor that I spoke with was XXXX from Michigan. She was extremely rude and uncaring about my situation. She told me that the bank could hold my check for up to 1 YEAR if they wanted. 
I contacted XXXX XXXX XXXX, to see when they would send the funds to Huntington Bank. To my surprise the check had cleared XXXX XXXX XXXX on XX/XX/XXXX. I decided to go to the branch where I had opened my account with Huntington to see if a manager there would be of assistance. I also brought with me the document showing that check # XXXX, for {$2700.00} had cleared, which was the check that was written to me. 
I was told by the manager there that the check would be held for 10 business days from deposit and NONE of the funds would be made available before that time. The holding time for a deposited check appears arbitrary. 
As of Today XX/XX/XXXX Huntington Bank has not released any of my funds. 
Customer Service/Customer Caring surrounding my issue was/is non-existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: LA

Complaint narrative:
CARMAX XXXX XXXX IS REPORTING A UNVERIFIED ACCOUNT TO MY CREDIT REPORT. MY LAWYER AND I HAVE REPEATEDLY ADVISED THEM TO VERIFY THE DEBT THEYVE CLAIMED I OWE TO THEM. 
NOW THAT I HAVE MY LOCAL POLICE DEPARTMENT INVOLVED, I ASSURE THEY DO NOT WANT TO FALSELY CONTINUE TO VERIFY A ACCOUNT. 

THEYVE REPEATEDLY SENT ME ( STATEMENTS ) DEMANDING I PAY THEM AN AMOUNT TO SETTLE THE UNVERIFIED DEBT REPORTING TO THE CREDIT BUREAUS, YET HAVE NOT SENT ME THE DOCUMENTS IVE REQUESTED. 

IVE NEVER CONTACTED CARMAX XXXX XXXX FOR A CAR LOAN, I ONLY HAVE 1 VEHICLE WHICH IS FINANCED THROUGH MY CREDIT UNION, WHICH OBVIOUSLY SHOWS 100 % PAYMENT HISTORY. 

CARMAX XXXX XXXX NEEDS TO PROVIDE ME WITH THE FOLLOWING ITEMS OR DELETE FROM MY CREDIT REPORT : 1. Signed contract with my signature agreeing to pay them.

2. Information used to be approved for their loan 3. Employment information used to be approved for the loan 4. What vehicle was financed.

5. Where was my information taken.

6. who signed my name on the contract.

PLEASE DO NOT PROVIDE ME WITH ANY STATEMENTS WITH MY NAME ON THEM, NOR ANY IDENTITY INFO FOR VERIFICATION SUCH AS : name, address, date of birth or social security number. Im assure you are aware of the amount of identity theft there is in the country.

I DEMAND REQUEST FOR SIGNED DOCUMENTS STATING I AGREED TO PAY CARMAX XXXX XXXX OR ANY SIGNED CONTRACTS I HAD WITH THEM OR PROMPTLY STOP REPORTING TO THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, XXXX   ) THIS UNVERIFIED ACCOUNT IS PREVENTING ME FROM LIVING A FAIR LIFE. 

PLEASE PROVIDE ME WITH THE CORRECT VERIFICATION PROVIDED OR I WILL USE LEGAL ACTION IN COURT WHICH IS AWAITING!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2019-04-25 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: U.S. BANCORP
State: CA

Complaint narrative:
US Bank did not notify ( phone or mail ) that my account was negative. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 and three times I was told my account was current and not 30 days late. I was told I had to pay to the {$950.00} to bring my account current. {$950.00} is my monthly payment.

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 2019-04-25 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: MD

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 


XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
On XX/XX/11 while I was out of town in GA someone created a Western Union online account in my name and withdrew {$490.00} from my  checking account. The next day I called my bank to report this fraud. A month later they stated it was authorized by me due to the person having my name, address and cell phone number as well as bank card info. The report also listed an email address which was not mine and an ip address which is from XXXX, Fl and XXXX. I live in MD and have XXXX. I've called both my bank and Western Union multiple times but they are not doing anything about it. I've also gave them the police report claim number and my XXXX phone records to prove that I did not call Western Union or text Western Union during that time. I am not sure if this has been happening to anyone else, but something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX did not notify ( phone or mail ) that my account was negative. I called on XXXX, XXXX, and XX/XX/2018 and three times I was told my account was current and not 30 days late. I was told I had to pay to the {$950.00} to bring my account current. {$950.00} is my monthly payment.

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 2019-04-25 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:
These accounts are fraudulent XXXX {$550.00} XXXX XXXX   {$610.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX XXXX   {$2100.00} XXXX XXXX {$100.00} XXXX XXXX {$100.00} XXXX XXXX   {$500.00} XXXX XXXX {$100.00} XXXX {$1800.00} XXXX {$2000.00} XXXX XXXX {$740.00}

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 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX while I was out of town in GA someone created a XXXX XXXX online account in my name and withdrew {$490.00} from my checking account. The next day I called my bank to report this fraud. A month later they stated it was authorized by me due to the person having my name, address and cell phone number as well as bank card info. The report also listed an email address which was not mine and an ip address which is from XXXX, Fl and XXXX. I live in MD and have XXXX. I've called both my bank and XXXX XXXX multiple times but they are not doing anything about it. I've also gave them the police report claim number and my XXXX phone records to prove that I did not call XXXX XXXX or text XXXX XXXX during that time. I am not sure if this has been happening to anyone else, but something needs to be done.

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 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
First I want to say thank you for reading my complaint. 

I have a complaint with Midland Credit Management Company. I sent MCM / Midland Funding an affidavit requesting documents that would establish ownership of Debt and to Validation of the debt. I will attach the Affidavit I send and the response MCM sent back. Doing my research on these debt collection company ( Debt Buyers ) They are continuing to violate and abuse their ability to collect on Debts without validating or even owning the debt. Placing this debt on my credit report. 

I found the CFPB filing against this same Collection company in XX/XX/2015 File number XXXX and won a case that was supposed to chance their Practice. These collection company like Encore Capital Group , Inc, Midland Funding, LLC Midland Credit Management , INC are not validating dispute or sending any documents to show they own the debt or Validation of debt. 

Midland Credit Management is sending out generic letters informing there are changes to their credit reporting debts. In addition, this debt we will not be removed from your credit report until it is paid to a {$0.00} balance. Placing Items on credit reports without having documentation that proves they are the owner of the debt or even validate the debt. 

I sent MCM an affidavit to establish the ownership and validate the debt. They sent back this generic letter they are sending out to multiple people and I have proof. I have a friend that received the same letter. This is not a verifiable debt. They know it, that is why MCM sent me this letter. Stall tactic, The same name on every letter. But I will not stop until they delete this off of my credit Report or verify they are the owner of this debt and verify this is my Debt. 

Thank you please make them abide by the provision from the case XXXX XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: SC

Complaint narrative:
The personal information on my credit report is fraudulent

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 2019-04-25 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I do not recall taking out this loan and agreeing to these terms as listed on my credit report. I have disputed this multiple times and not only do the credit reporting agencies not appear to fully investigate, Ad Astra EVERY MONTH refreshes my date as if it's a new collection, thus negatively impacting my credit score. I have asked for properly validation of this debt and have not received any copies of signed contracts or agreements. I have only received screen print outs that do not provide validation that the debt belongs to me. I have attempted to resolve amicably so my mortgage would not have been denied and they refused. Every month, even when I have not actively disputed the account, Ad Astra FALSLY places an in dispute comment on my report which again caused my great difficulty and affeted me negatively in trying to obtain a mortgage. The last attempt at validation on or about XX/XX/19 that I tried and specifically asked for signed contracts or agreements, I was told they had it and would send, however I again received screen print outs which do not properly validate my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The personal information on my credit report is fraudulent

Company response to consumer: Closed with non-monetary relief