vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
What's the method used to verify this account? Please delete this account as it's in violation. Also, a collection account is by default of identity theft and therefore it can not be reported with collection/charge off. Please delete immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Hello, currently all 3 credit bureaus are counting my rate shopping for a mortgage on my credit report as individual inquiries rather than lumping them as a single inquiry on my credit. This has negatively impacted me by not only dropping my credit score by 50+ points but because all the inquiries for my rate shopping are not being consolidated and counted as 1 and is hitting my report as individual inquiries. I can not get approved for any credit cards because banks think I am desperate for credit. This is very harmful to me as I have never been late on a payment and have been a good steward of my credit and was at XXXX credit prior to all these inquiries dragging my score to the ground. 

On alI the credit bureaus, I have 7 hard inquiries from XX/XX/XXXX and XXXX but these should be counted as 1 as I was rate shopping for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Hello, currently all 3 credit bureaus are counting my rate shopping for a mortgage on my credit report as individual inquiries rather than lumping them as a single inquiry on my credit. This has negatively impacted me by not only dropping my credit score by 50+ points but because all the inquiries for my rate shopping are not being consolidated and counted as 1 and is hitting my report as individual inquiries. I can not get approved for any credit cards because banks think I am desperate for credit. This is very harmful to me as I have never been late on a payment and have been a good steward of my credit and was at XXXX credit prior to all these inquiries dragging my score to the ground. 

On alI the credit bureaus, I have 7 hard inquiries from XX/XX/XXXX and XXXX but these should be counted as 1 as I was rate shopping for a mortgage.

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 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Regarding Citizens Bank, XXXX, XXXX On XX/XX/XXXX I closed my personal savings account after undesirable help at this office. I then filed a complaint with OCC. 
On XX/XX/XXXX received a reply from Citizens Customer Resolution Dept which did not address my question of why I had to wait 6 days to get my money in cash - I gave them a notice of 2 days but the manager told me I had to wait 6 days - " because that is the way it is ''. I waited and went the 6th day and got my cash. 

On XX/XX/XXXX I left a messsage for XXXX XXXX - Office of the Chairman @ Citizens in Rhode Island who had sent the first letter. I stated that I had given several days notice to withdraw my money but I felt waiting 6 days was not appropriate. I never received a return call from Ms. XXXX and WE HAVE NEVER PERSONALLY SPOKEN ABOUT THIS ISSUE. On XX/XX/XXXX - received a letter from Ms. XXXX notifying me that Citizens " has elected to discontinue its account relationship with me by closing my husband and mine joint saving & checking account. This checking account has been in existence for at least 35 years with no problems. The closure is effective XX/XX/XXXX or maybe before if they elect to do so. My problem : My husbands social security check, retirement check, pay checks are all directly deposited to this account. We also have multiple automatic payments coming from this account. The closure of this account would be a financial hardship as this is how we get our money to live on. I do not believe that this is ample time to make arrangements at another bank. 
On XX/XX/XXXX my husband went to this branch to withdraw some of the savings money and he talked to the manager. Her and the teller said that " Mr. XXXX you name is not on those letters- only your wife 's name is. So, what he found out is that they will still do business with him but do not want me! I am sure this is total retaliation against me for filing the OCC complaint. I am very willing, however, to take my name off the checking account if they let everything remain the same and without opening a new checking account to save us switching all auto deposits/deduction to another account. 
The OCC can not give me any help until they finish their investigation and that could be up to 60 days! We will be sunk without our money. Can you help me/direct me to get some help quickly so as to not let us be without our monthly income. thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notification that an account was added to my consumer report. I noticed it was from XXXX XXXX XXXX. An account that was removed from my report in XXXX. I reached out to XXXX XXXX and explained to him that this account had already been removed. He said there was nothing he could do they reached out and asked for info concerning identity theft and never received anything back. 
The identity theft form came attached with a cover letter clearly stating that it was not blocked in error, along with an identity theft affidavit. They have everything they needed to remove the account, but are now playing games.

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 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FlexShopper, Inc
State: WA

Complaint narrative:
Company called and left threatening voicemails saying they were going to take me to court over a debt i was unaware of at the time and they called family members and my employer. 

While speaking to my employer they asked what the procedure is for cops to come arrest me at the workplace. 

After that i got in contact with them and they said I owed an ammount of approx XXXX for a debt from 2016, I assumed the debt and payed off a negotiated ammount. 

Now, weeks later, they start calling family members again and leaving voicmails of threats to locate me and sue me for " intentionally defrauding a financial institute '' when I spoke to them now all of a sudden theres a " 2nd '' account that wasnt mentioned before and i owe another approx XXXX for reasons unknown to me and seemingly unverifiable by them. When asked repeatedly what their company name is I finally got XXXX from the representative. 

They called from various numbers and the contact number is ( XXXX ) XXXX they never answer with a company name just their personal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a call from someone acting as XXXX XXXX. There was an automated system that said the call was from XXXX XXXXXXXX and that my services where in the process of being disconnected if a payment was not made. I agreed to make payment during the 35 min call. I became suspicious when the man acting on behalf of XXXX XXXX asked me to make a second {$240.00} payment. I advised the caller that I had confirmation that the payment was made. The caller abruptly ended the call. I immediately contacted XXXX XXXX who advised they did not call me. I immediately contacted Bank of America to stop the transaction. The Bank of America rep advised me that they could not stop the transaction and a claim would be filed for investigation. The rep informed me that this was a BOA to BOA transaction. The rep said I would receive a credit in 2 business. I didnt get credit and called back to be advised that an investigation was pending in 10 business days. I advised that I had new address and confirmed email address. I didnt get a response so I called today to be advised that my claim was denied and I needed to contact other party. The rep advised today that I will need to submit docs to prove scam. I advised theres nothing to submit other than a screen shot of my call log which will show some number I gave them. I am being asked to send supporting documents. I have nothing to submit. I am requesting the bank to investigate the recipient who acted as XXXX XXXX and defrauded me. If this is also Bank of America acct just like mine, they should be able to easily verify this is a scam to confirm fraud was committed. I am asking you all to review this matter as it is clear this claim was not thoroughly investigated.

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 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), including Transworld Systems Inc. ( XXXX ), I set up payment arrangements with XXXX and XXXX ( the same entity ) and met my payment obligations. The debt was initially for USD XXXX, and I made payments totaling over USD XXXX ; additionally, my Federal Income Tax Refund for XXXX was garnished at USD XXXX. 

XXXX alleges I still owe USD XXXX and has reported their error to all three credit reporting companies of XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: VA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: IA

Complaint narrative:
I applied for a cash out refi on XX/XX/XXXX. I received a call and completed the mortgage application with the loan officer. I uploaded the required documents and e-signed my disclosures. My credit card was charged for the appraisal and credit report in the amounts of {$490.00} and {$21.00}, total {$510.00}. I specifically told the mortgage company that I live in a townhome/PUD which is considered a SFR and not a condo. ( Prior to this application I had another application and they had my property as a condo and it received a PIW as a condo. Once it was changed to a PUD, the PIW dropped off, so I was very specific, this is a PUD, an appraisal is needed. ) I was told I would hear from them within the next 5-10 days. An appraisal was scheduled and completed on XX/XX/XXXX. The appraiser told me he would have it to the mortgage company on Monday, XX/XX/XXXX. On XX/XX/XXXX, I asked XXXX XXXX if they have received and if there was any update. I was told the same day they had not received it and the appraisal would send me a copy once completed. This is also the first day I hear froo+m the loan processor, saying the same, they will contact once received. On XX/XX/XXXX, I saw in my loan application, a condo questionnaire was ordered through my management company. I emailed the processor asking why as this is NOT a condo. Questionnaires are not needed on a PUD. ( I'm a 20 year, current, mortgage underwriter with all designations including conventional, FHA, VA, Non-conforming/Non QM, etc ). I did not hear back. On XX/XX/XXXX, after 2 additional emails asking these questions, I still did not hear back. ON XX/XX/XXXX, I reached out to their customer care team and let them know I was going to file this complaint. 3 team members called within 30 minutes. I was told they would check into my status. ON the same day, I received the appraisal, only for it to come in as a CONDO. I emailed them immediately. The processor called me. He said he would look into it. On XX/XX/XXXX, still no word, emailed again, reply was still looking into it. Then the processor manager emailed and said they had it set up as a low-rise condo. I told them this was incorrect and needed to be changed ASAP. As of today, XX/XX/XXXX, I still have not heard back. I sent an email today and no reply. I want the fees refunded and for this complaint to be published for others to see regarding the customer service issues and not acknowledging my emails as all of this would have been a non-issue if they would have confirmed they had my home as a PUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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 — Investigation took more than 30 days
Company: AVANTE
State: CA

Complaint narrative:
I have sent out investigations request to XXXX, XXXX, AND XXXX and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have sent out investigations request to XXXX, XXXX, AND XXXX and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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:
HUD Title 1 Loan reporting on TransUnion and US Department of Housing reporting on XXXX has failed to remove this reporting from my credit report. The last payment was made in XXXX of XXXX the first delinquent payment was XXXX of XXXX  it has been over seven years this negative reporting has been on my credit report. I am exercising my right under the fair credit reporting act, Section 609, to request information regarding an item that is listed on my consumer credit report. HUD Title 1 Loan ( TransUnion ) and US Department of Housing ( XXXX ) As per section 609 I am entitled to see the source information which is the original contract that contains my signature and the following items.

1. A copy of disclosure for the loan 2. Interest rate disclosure for the loan 3. Balance history of the loan 4. Payment history of the loan 5. Credit insurance for the loan

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 2021-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: OR

Complaint narrative:
On XX/XX/21 I applied for a loan on the Lending Club website. I did a joint application with my husband, XXXX XXXX. The Lending Club issued the loan only to me ( and in my old name for some reason ) and excluded my husband from the loan. I called and spoke with two different reps at LendingClub on XXXX and both told me that there was nothing they could do. This is a huge issue for a number of reasons. 1. Now all this debt is in my name alone which will affect my debt to income ratio and my overall credit score. 2. We may have been able to receive a lower rate and different terms if my husband had been included with his income and credit score. 3. They are sending direct payments to pay off some of our other debt, one is a car loan that is solely in my husband 's name and I'm not even on. Given the severe financial ramifications that I will have to experience as a result of this for years to come is not acceptable. They are refusing to do anything even though they are the ones who caused this issue. It is not okay to punish a consumer, especially so seriously, because of a company 's error. I've contacted them multiple times and requested management or an escalations dept, neither of which I was ever transferred to. I was told anyone I was transferred to would tell me they can't do anything, even though this is their error. I need to have this rectified. They should redo the loan in mine and my husband 's name and remove the original credit inquiry they put on my report. My terms should be adjusted to show the co-applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I had a car with credit acceptance. The car was totaled in a tornado. My insurance paid a portion of the balance and they provided me a settlement. I was 30 days late..I agree with that. I paid the settlement in full and after I paid the full amount they reported to the credit bureau that I was 60 days late. They reported that 3 weeks after I made the final 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 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX XXXX Tel : XXXX Name of Contact Person : binance.us XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX It's been six months since I transferred my XXXX XLM cryptocurrency to my binance.us 's wallet, but I didn't receive that. So I emailed the company, and the answer was : Your request ( XXXX ) has been updated. We wanted to let you know that we are still working on your ticket and apologize for the wait. 

After four months, I asked them again, and the answer was : Your support ticket is # XXXX. We have notified our tech team about this deposit. Please note that this is a manual process, and wait times may vary depending on volume. You should see your deposit credited to your Binance.US account as soon as possible. 

It is XXXX  month waiting to receive my xlm cryptocurrency in my account, and The company looks like playing a game with me. 

I look forward to your reply; please get in touch with me by email : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation