vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not receive any response from the bureaus and I have sent multiple dispute letters to them. Not even a letter in the mail or by email. This outrageous and plan out unfair. I want these items deleted from my report immediately. Like right 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 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing today in regards to my account with Citi Cards/Citibank account # XXXX. The reason for writing today is in regards to the late payments which are reporting on my report beginning in XX/XX/2020-XX/XX/2020, due to Covid which greatly impacted me I was unable to make the payments, As soon as I was able to, I got my payment made and caught up.

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 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I applied for the mortgage in XX/XX/XXXX, was conditionally approved in XX/XX/XXXX. I have had contact with 4 different representatives of the bank with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Two different account numbers and charges. 
XX/XX/2019 amount owed is {$360.00} XX/XX/2019 amount owed is {$330.00} Neither one of these are mine. I have filed an identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I contacted Loan Depot in XXXX because we refinanced our loan with them and the Taxes for the property were disbursed in the refinance ( See the XXXX and XX/XX/XXXX showing Title company paid ). {$600.00} was received by XXXX on XX/XX/2020 per the County. I contacted Loan Depot because they also issued a check from our escrow account on XX/XX/2020 to pay the same taxes. I advised them that XXXX 's check was received 1st and cashed by the county to pay the taxes. I requested they refund us for the {$600.00} sent to pay the same taxes and disbursed from escrow on XX/XX/2020. At that time, the representative I called said that the county would refund the check to them and they would send it to us. I waited 30 days and called again in XXXX as well as using the secure mail within the account. The responses were illegible and by calling I was told it would take some time. I found additional resources on their site and I faxed the documents to their escrow department because the customer service email would not accept the documents and I couldn't speak to anyone by phone to get the issue resolved. I asked for status and 7 days later I was thanked for my inquiry. I followed up again in XXXX and was told 7-10 days. It is now XXXX and I don't have status. The documents attached show that Loan Depot issued Taxes from our escrow account on XX/XX/2020. We refinanced with them and on the XXXX it shows taxes were also paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: AL

Complaint narrative:
I am just overwhelmed in paying on this loan. The more I pay, the balance increases. I have paid almost {$3000.00} on this {$6000.00} private student loan, and would like to make a lump sum payment, but afraid this payment will end up floating in the air and not making a dent in the principal balance. AES will not negotiate a payoff and are being hard nosed as usual. Paying {$12000.00} to pay off this loan is a rip off and needs to be investigated. My experience with AES is that of a predator lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: PA

Complaint narrative:
I have disputed this account multiple times, as I have never received anything from Professions Debt Mediation ever. I wrote them letters to the address they reported to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. I do not believe they have received my mail. I checked again and found an entirely different address on the XXXX  website, where I have also complained now. that address matches the one on my XXXX report XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They are reporting inconsistent and inaccurate information on my credit report. They need to comply with the Law and report 100 % factual information about me to third parties. PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Good morning, My name is XXXX XXXX and I'm displeased with what I found on my credit report. 
I found some Fraudulent & Illegal accounts and information on my credit report that you need to remove. They are listed below. Please remove these Fraudulent & ILLEGAL accounts and information. Please send me a copy of my credit report after it is completed. 
I have enclosed a copy of my Driver 's License, and 2 Bills for identification and verification. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I appreciate you removing these ILLEGAL accounts. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Back in XXXX before XXXX was in everyones head I got sick didnt know what it was until the symptoms of XXXX came out months latter I lost my job because I didnt go due to the XXXX I explain to them that I couldnt make a payment they close my account

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 2021-04-06 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed 2 disputes with equifax credit bureau. One was dated XXXX and the other was XXXX. Both had an estimated date of completion as XXXX. I hired a credit repair service to help me but no help. I would like both of the disputed items to be removed from the credit reporting agencies, specifically equifax and XXXX because the time limits by law have been violated. Thank you so much for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
The following collection agencies Eastern Account System, XXXX XXXX, XXXX XXXX XXXX XXXX has reported 3 collection accounts on my credit report on XX/XX/21 on XXXX XXXX on XXXX and XXXX for {$200.00} XX/XX/XXXXOn XXXX XX/XX/21 on XXXX and XXXX for {$700.00} XXXXon XXXX XXXX on XXXX  and XXXX for {$79.00} XXXX has voilated my right as a federally protected comusmer under 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XX/XX/XXXXand beforeXX/XX/XXXX, local time at the consumers location ; Eastern Account System, XXXX XXXX, XXXX XXXX XXXX XXXX was not given consent directly from me the consumer nor provided express permission of a court of competent jurisdiction. 
Eastern Account System, XXXX XXXX, XXXX XXXX XXXX XXXX has voilated 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
They have damage my reputation by reporting to my credit report oppressing me from receiving services or goods causing harm to the physical person by having me work excessive hours of overtime at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
We started the process 10 months ago I XXXX of 2020. I have gone through at least three lenders at fifth third and given them the same documents at least three times. So now they want to start all over again because they dropped the ball. Im a CPA and this is my busiest time and its really a hardship on me to resend all the documents again and I may have to pay for another appraisal. I dont think this is fair. Also they have pulled my credit three times and caused it to decrease along with my husbands and have already put their name on my homeowners insurance policy. When I inquired about it they said it was normal, I dont think so. These are a few of the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2021, I made a check payment that left my account with XXXX positive balance. The bank charged me a 36.00 overdraft fee that they can not, to this day, explain. XX/XX/XXXX XXXX XXXX XXXX ONLINE PMT {$370.00} {$16.00} When questioned, they replied that since I had another debit, one that didn't trigger a fee, come in at the same time, they could charge me the fee, even through my account had a positive balance after the check cleared. I responded by requesting the account be closed, and they refused to close it. TO date, I have requested the account be closed a number of times, as many as ten, and they STILL refuse to close the account. I went as far as to lock the debit card, and they are still allowing charges even on the locked account, and charging me fees. Now, they are resorting to threats.

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 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Kahn, P.A.
State: FL

Complaint narrative:
I OWE A BALANCE ON A CREDIT CARD, DUE TO CIRCUMSTANCES OUT OF MY CONTROL I FAILED BEHIND. I WAS TAKEN TO COURT, THEY WOULD ONLY EXCEPT XXXX A MONTH, I TOLD THEM IT WAS MORE THAN I COULD AFFORD I WOULD TRY. SHORTLY AFTER THAT, THINGS GOT MUCH WORSE MY SISTER, XXXX XXXX XXXX, FEEL TERMINAL SICK WITH XXXX, I HELP ALL I COULD. WE LOST HER XX/XX/XXXX, OH PAY THE WAY THIS COURT DATE WAS IN XXXX. THEN I ENDED UP IN THE HOSPITAL VERY SICK DUE TO THE XXXX. ALMOST MY XXXX  WAS XXXX I WAS IN XX/XX/XXXX FOR 4 DAYS, THAT WAS XXXX, OF COURSE I WAS VERY WEAK TRYING TO JUST MAKE IT, AFTER THAT MY MOM HAD A XXXX WE LOST HER XXXX OF XXXX, THEN XXXX OF XXXX I HAD XXXX XXXX MISSED A MONTH OF WORK, SO YOU MIGHT UNDERSTAND WHY I WAS STRUGGLE TO MAKE IT, THEY CHARGE OVER XXXX WITH COURT COST FOR A XXXX DOLLAR BILL, THEY TOKE EVRYTHING EXCEPT XXXX FRIDAY XX/XX/XXXX, AND INSTEAD OF TAKING THE XXXX DOLLARS THAT ARE LEFT ON THIS BILL THEY ARE TAKING XXXX THE COMPANY IS HUNT AND KAHN PA. PLEASE HELP XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
My records associated with the account CREDIT COLLECTION SERVICES with account number XXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I never had contractual relationship with this company and they have failed to provide lawful debt validation. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to CREDIT COLLECTION SERVICES but I did not receive what I asked and these violations persist on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
Received 3 unsolicited debit cards from XXXX Direct. Call the phone numbers to ask why and just get routed to electronic service to activate the cards. 

Also received an unsolicited debit card from XXXX and had same results when trying to question receipt of card. 

Also received an unsolicited debit card from XXXX and had same results when trying to question receipt of card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
I put in a request with BBVA to move my due date. I was told this was allowed but I could only move it within my 10 day grace period. My payment is due on the XXXX so I formally in writing request the move to the XXXX. I have emailed numberous times, called 10+ times, and 2 months later was told it was denied. I never recieved info about denial through email or letter. By law any denial or modification to my loan needs to be expressed in writing to me. Furthermore, at no point did anyone at BBVA tell me that I could not move my date, all persons spoken with said it was totally a viable option, from loan dept. collections, and customer service. The request was simply to move the date to align my due date with my payday, so that I was not late or using all my grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tesla, Inc.
State: MD

Complaint narrative:
I have solar panels on my house through Solar City and tried to cancel with them initially because the panels were not working. I have been trying to cancel for years and have never been able to get a direct answer. Since Solar City has been taken over by Tesla it has been the same situation. I have emailed and called on numerous times with no assistance. The panels have not been working since I received them and I've been getting charged monthly for a service I'm not receiving. As right the total amount showing on my credit report is {$51000.00}. I spoke with Tesla they even said that the panels aren't even turned on in their systems. My ultimate goal is to have the panels removed from my property and the balance cancelled as the company has not met the terms of our agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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 the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX ( Original Creditor : XXXXXXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX (  Original Creditor : XXXX XXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: LA

Complaint narrative:
XX/XX/XXXX - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/XXXX. 

Today is XX/XX/XXXX and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
My records associated with the account Cavalry Portfolio Services with account number XXXX do not complement with what the Credit bureaus XXXX claim as a " validated as accurate ''. I never had contractual relationship with this company and they have failed to provide lawful debt validation. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to Cavalry Portfolio Services but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a copy of my credit report and noticed fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
The ATM malfunctioned and ate my money and debit card then shut down. Bank staff unhelpful. Been a full calendar week now. No resolution. Ive called daily expressing the urgency of the issue. No credit has been issued while they handle it and they havent figured it out still. I keep getting told maybe tomorrow. Every single day. For a week straight. TD flat out stole my money and is holding it until they get around to it. This is criminal and has had significant impact on me personally and my family now. We havent been able to pay bills. We never will use TD again.

Company response to consumer: Closed with monetary relief