vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Trans World Systems repeatedly calls trying to collect a XXXX XXXX bill for {$740.00} from XXXX. It is now XXXX. A XXXX XXXX XXXX debt that is not even my dept. I have never had XXXX XXXX. I have called and tried to speak to management but I am just getting over seas people hard to understand and refuse to do anything unless I give them my SS # and DOB. Which I will NOT! They can tell me what the dept they are calling for. I ask them if they are aware that is a XXXX XXXX XXXX dept and in Texas that is way past statute of limitations. But again they just tell me the calls will not stop and they will not do anything unless I give them my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for COVID mortgage relief in XX/XX/XXXX and was granted it on a 90 day basis, I am ready to resume making payments as of XX/XX/XXXX. I would like to refinance the mortgage into a lower rate as rates have dropped significantly. My mortgage servicer, Wells Fargo, is not following the Federal Cares act. They have told me I can not refinance into a lower rate unless I pay the 3 months of deferred payments immediately. That is not how the Federal Cares relief act is supposed to work. It clearly states that those payments in deferment are not supposed to be held against me and stop me from refinancing into a lower rate. They have essentially told me I have to either make all those back payments at once, or wait 6 months to refinance, or do a loan modification where they can potentially lower my rate but not guaranteed and I cant do a 15 year mortgage. They are also stopping me from refinancing with another bank as well

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 2021-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Account being accessed from other devices than mine using the same login credentials transactions that do not show up on my transaction history cards added to a mobile wallet that I did not authorize crazy fluctuation  of balances and unable to self-service the account through all my banking for example in reporting my car lost or stolen

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 2021-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from 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 2021-02-17 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:
since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX CARD  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX  XXXX  XXXX  Account number XXXX  XX/XX/XXXX XXXX XXXX XXXX every time i called the XXXX, Equifax and XXXX  credit bureaus, they tell me something different non sense. please help me to sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had an account with XXXX XXXX XXXX of Jewelers. My payments were auto drafted from my account. 
XXXX sold their accounts to Comenity Bank. I never received notice of this change. Because I did things electronically the notices may had gone to my spam account. 

I called Comenity Bank and they agreed to remove the late charge. They have not. 

The dates are : Maximum Delinquency of 60 days in XX/XX/XXXX and in XX/XX/XXXX I finally just paid the account in XX/XX/XXXX because I was having so many issues with electronic statements. 

COMENITYBANK/ XXXX XXXX XXXX  XXXX  XXXX  # XXXX Phone number not available

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: MO

Complaint narrative:
Equifax should not be reporting me as an authorized user on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: A.R.M. Solutions, Inc.
State: NC

Complaint narrative:
I received a collection letter from ARM Solutions XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. The collection is on behalf of XXXX. 

Today, XX/XX/XXXX around XXXX XXXX I called ARM at XXXX. The agent briefly introduced himself, but later refused to state his full name. 

I stated that the goal of my call was to start a dispute. The agent refused to listen to me and refused to provide me with a way to initiate the dispute. He informed me that I have no rights to start a dispute and that I have to call the creditor directly. 

He tried to confuse me by stating that their action is not collection action. 

I request that an investigation into ARM practices be performed. I also request that this collection action be terminated due to unfair practices. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
A collection company has added a debt that is not mine and its affecting my credit. I need it removed it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: MD

Complaint narrative:
My XXXX XXXX shows and amount of {$740.00} is currently in collections with The Monterey Financial Services LLC. I have attempted to call this company to settle the debt and have not received any feedback. I am in fact unable to even reach to a representative as their phone lines say they are closed. I need this debt cleared and removed from my credit report as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
RE : Truist aka Suntrust. Loan # XXXX Property Address XXXX XXXX XXXX XXXX, Ga XXXX Map # XXXX XXXX In spite of taking funds out of my escrow account to do so the Bank has not paid my City of XXXX, GA property tax or my XXXX County property tax both of whom are threatening to put a Lien on my property. I have contacted the Bank on XX/XX/2021, XXXX and XX/XX/2021 and was told that they would research the issue and reach out to the taxing authorities in the meantime. I contacted the taxing authorities on each of those dates and was told that the taxes have not been paid and no one from the Bank has ever contacted them. My address is XXXX XXXX and my neighbor 's address is XXXX XXXX. It is my belief that they used the wrong address and map # when paying taxes but have failed to straighten this out.

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 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: WI

Complaint narrative:
I have tried to winthdrawl money and they have my account restricted, tried transferring my brokerage account and they ignored it, havent answered any of my emails for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm a XXXX year old female who has had credit since I was XXXX years old. I can't say that I haven't had any issues with credit, but overall, I'm not bad with credit. I pay my bills on time and if I've run into financial issues, I will work out something with my creditor. My problem is with the credit reporting agencies. I've experienced all negative reporting from them all the time. If I'm paying everything on time, my credit file will reflect old items from previous years. For example, I had 1 late payment on a vehicle, 4 years ago, with everything else on time, and my credit score, because of this 1 30 day late payment was in the XXXX. To date, I've paid off 3 vehicles, 1 mortgage, have never had any issues with my student loans that I've been carry for 25 years, however, my score doesn't reflect any of this. I've experienced XXXX from these agencies when my husband and I were trying to get approved for a mortgage. He had bankruptcies and repos, all kinds of bad debt ; however his score went up to over XXXX, mine never made it past low XXXX. I know the industry is XXXX because I've seen other races with horrible credit history and scores that were very high. I guess my question is who's monitoring these agencies and their XXXX and XXXX practices?

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 2021-02-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Self Financial Inc.
State: WV

Complaint narrative:
I am having difficulty with this company 's customer service. Each time I call the message states the hours of operation from XXXX XXXX Central tine ; however the following msg states they ate closed. This has happened for 3 conscutive days. My concern is with a bank being closed during the business hours they claim to be open? I would like to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
XXXX - they put a hold on my card because they felt it had a suspicious activity, I have been trying to get in and pay the card off and close the account, they won't give me access to the account online to pay - will charge me {$9.00} to use their services over the phone. Won't just let me pay it off and close it, unless I give them very personal financial information over the phone, my kids names, birthdates, soc sec number, my car make and model ... it doesn't make any sense. I did not report the card stolen, or report any suspicious activity, I have NOT denied any charges. They will not allow me to just pay online and close the account. Most ridiculous experience ever. I do not feel comfortable giving all this information to someone over the phone just so I can pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX, two fraud charges were made on my Bank of America credit card. Both charges occurred at XXXX in XXXX, FL in the amounts of {$99.00} and {$100.00} respectively. I live and work in XXXX, FL, on the opposite coast from XXXX. I work as a XXXX XXXX and have proof that on those days I was training. I was never in my life in XXXX, FL. I disputed those charges with BoA immediately. The bank declined my fraud claim noting that my card was used - not possible because the card was in my wallet at all times and no one but myself ever used it nor had the permission to use it. I still have that card, never lost it, and canceled it right after those charges. I requested BoA to reopen my case, received a form to fill out and mail back. My claim was declined again. Again I requested BoA to reopen the case. On XX/XX/XXXX, I called to inquire on the status of my claim and was told the case was still open and was advised to file a police report and fax it to the bank to further support my case. That's what I did. Approx. two weeks later received a letter from BoA - claim declined, bank conveniently stating that I did not make those charges and confirming that someone else did who had my permission ... Despite my written statements that nobody ever had that permission. I've reached a point where I have no idea what else I can do to get my money back. I've spent countless of hours with BoA on calls about this claim, my credit score taking a hit every month since XXXX because of this unpaid balance, more money lost on faxing and mailing requested info ... and still nothing. Today, XX/XX/XXXX, I've been advised by the police department to submit my complaint here on your website. Any help I would sincerely appreciate.

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 monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington Bank filled a lien on my mortgage in XXXX that is an error. The bank was aware of the error and they willing and knowing have failed to release the mortgage, when the error was found in XXXX. 

I have made several contact attempts with XXXX XXXX, XXXX XXXX branch manager, who provided me proof of the error, he then contacted the proper departments ( XXXX XXXX at XXXX XXXX XXXX main office in XXXX Manager ) to resolve this and XXXX nor I have not had any luck or feedback for getting this resolved. 

At this point I am in jeopardy of losing the sale of my property due to this material fact that has clouded my abilities to settle this estate. 

I am requesting the discharge to be done immediately and submitted to XXXX XXXXXXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MI XXXX Due to XXXX county is several months behind in recording and would cause further delays. 

Thank you XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: KS

Complaint narrative:
I paid Lexington upfront fee and they took two more monthly payments. They said they were disputing negative items on my credit bureau 's All three. I never got a copy of the letters nor did any of the credit bureaus send any correspondence from the letters Lexington supposedly sent. 

I called to get refund many times and never got a response or a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
CreditNinja is an appropriate title for this company being that they will sneak their way into your wallet and ninja your money right out from under you. I took a {$300.00} loan at a {$75.00} premium and it was deposited into my account on Tuesday, XX/XX/XXXX. Not only did I think I agreed to a 3 month term, they disguised it ( sneaky as ninjas are and all ) and it is really a payday loan and due in full on XX/XX/XXXX. I attempted to call today, XX/XX/XXXX and pay down {$100.00}. They will not take any payments, only an extension of the loan by paying down the premium on top of which they will charge you another. HOW US THIS NOT REGULATED. How can a lender not accept an attempt by a debtor to pay them back, AND AHEAD OF SCHEDULE. This is fraudulent. Period. Thank you " official '' regulatory body for failing the US people as I sit in XXXX degree weather in XXXX Texas with no power because our " officials '' failed us there too. Good job, greed from every direction from the top down.

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 2021-02-17 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMEX ( XX/XX/XXXX and XX/XX/XXXX ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: AR

Complaint narrative:
I am a victim of identity theft. someone has attempted to get credit in my name. Someone attempted to get accounts in my name. I pulled my credit report and saw inquiries that I did not authorize in my name. I have reported the problems with XXXX, Equifax and XXXX and the problems has not been resolved. It has been well over 60 days and i have not received and results or explinations. Could someone please help me with this issue. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I XXXX XXXX never entered into a consumer credit transaction with CREDIT COLLECTION Services on XX/XX/2021. I was not expecting a bill on XX/XX/2021. On XX/XX/2021, they sent a bill that is a violation of 15 US Code 1692b. They also used obscene and threatening language that is an attack on my reputation and character in their correspondence to me. This is also a violation in accordance with 15 US Code 1692d.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
1- I am a TD Bank customer and on XXXX XX/XX/2020, I wired {$73000.00} US $ to my family in XXXX per the attached TD bank receipt. I specifically, instructed TD bank to wire the funds in US Dollars ONLY. 

2- The Beneficiary received {$71000.00}, 3- I contacted TD Bank and requested them to provide me with XXXX XXXX to confirm that they had indeed wired the {$73000.00} in US funds XXXX However, TD Bank refused to provide me with XXXX. 

4- I filed a complaint with OCC and in their reply. TD Bank clearly lied to the OCC and claimed that they provided me the XXXX XXXX. The OCC advised me to seek legal assistance. See attached letter from the OCC. 

5- XXXX XXXX is the official confirmation of payment made from the sending bank and informs the beneficiary of all the details of the transaction, including any fees applied Please see attached sample of XXXX

Company response to consumer: Closed with explanation