vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I AM A VICTIM OF ID THEFT.MY WALLET INCLUDING MT DEBIT CARD GOT STOLEN. TD/NORGSTROM HAS REFUSED TO REMOVE THE ACCOUNT EVEN THOUGH I PROVIDED A POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
Due to the Covid outbreak I could not pay my lender, The Money Source ( loan # XXXX ) my XXXX payment of {$950.00}. I called them on several occasions only to incur very long wait periods. When I couldn't get through via the phone, I took to e-mailing them. They said that they would reply back within 48 hours, but never did. I was fortunate enough to have been able to sell my property. The closing date was on XXXX XXXX, 2020. I paid The Money Source {$120000.00}. they were paid in full. I have never missed a payment in the 3 years that I have had this loan. At closing I noticed that the pay off was far different from my XXXX Statement. Not only did they report me to the credit bureau for missing XXXX 's payment, but they charged me {$2100.00} more because I missed 1 payment. I'm sure that they are entitled to the XXXX payment and a late fee, but they have charged me {$1200.00} worth of interest. I thought at the time of closing that they were also charging me XXXX 's payment even though I e-mailed them and told them that they would be paid in full on the tenth. Today XXXX XXXX I called the Money Source and explained my dilemma. Their reply was that the additional {$1200.00} was an interest payment. I'm sorry, but I've been making my mortgage payments, while struggling through Covid. I had to sell my house because I could not afford to live in it anymore and they go and ding my credit and charge me an outrageous amount, all because I missed my last month 's payment.  The fact that they went to the Credit Bureau without replying to me is ridiculous. I didn't receive any certified letters stating that I was delinquent. I also had a problem with them paying my insurance policy on time. I received notice from my insurer that XXXX XXXX XXXX had not delivered the funds which were in escrow. It was rectified, but maybe the insurance company should have charged them interest. This is a HUD loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: CA

Complaint narrative:
DEPT OF ED/XXXX- Account numbers XXXX and XXXX are reporting inaccurate on my credit report. 

I completed the Rehabilitation Program and ALL default is to be removed from my credit file. These accounts are still reporting delinquencies. Theses errors need to be corrected right away or delete these accounts off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: FL

Complaint narrative:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: MS

Complaint narrative:
XXXX and Experian are fraudulent are on my credit accounts XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX IN is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: TX

Complaint narrative:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 data breach and may have  got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Credit Collection Services XXXX XXXX XXXX XXXX, MA. XXXX File Number : XXXX XXXX XXXX RE : XXXX County Mutual Balance {$270.00} Dear Credit Collection Services, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
A refinanced loan was sold to Planet Home lending in XXXX. The loan was not to include escrow for Tax and insurance. I made them aware of the issue XX/XX/XXXX after waiting for over an hour on hold. I made a full payment {$2000.00} because they threatened collections even though the payment amount on the notarized loan documents stated {$1500.00}. A check was then sent to them by the originator for the amount of {$1500.00} they have held that check because my account is in review. Now on XX/XX/XXXX they are again calling me for collections for a payment that was to be due on XXXX. Even though they are still holding a payment. Every time I call I am on hold for more than a hour and am told to just make the payment to stop the collection calls, as they are still reviewing the account. They are now refusing to refund the over payment or apply the the amount paid to the loan. The only option they gave me was to go ahead and make another payment to get my account out of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-14 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: MS

Complaint narrative:
TransUnion and XXXX are fraudulent are on my credit accounts XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX I tried to purchase a money order in the amount of XXXX and the store owner told me the transaction was canceled due to me pulling my debit card out to fast and I never received my money order and my bank wells fargo hasn't given me my money back, I have tried to contact wells fargo multiple times but I'm still not getting my money back.

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 2020-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was not alerted that they closed my account. I was told that it was because of my " creditworthiness ''. I owed this company no money. My account was at {$0.00} and was owed {$100.00} credit. I believe my account was closed because I was not making the company any money. Additionally, when I asked that the service member provide their full name they refused because of " security '' purposes.

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 2020-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
Since XX/XX/XXXX I have been receive phone calls from a company called XXXX XXXX. First call was to let me know about what they had in their offices. I then told them to please don't call me again but there have been three other phones calls since then. They use a robot call to bait you into having to speak to a real person. The second time they called me I did mention to them that I asked not to be called again but no one seemed to listen as person after to person hung up on me. O called them three times to make sure they knew not to call me again but that didn't stop them because to other attempts were made. If you have rights and you enforce them then way don't they listen?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
SEE CFPB Complaint : XXXX. Originally called the mortgage company and filed a complaint. They then deleted a bunch of payments and applied them EVEN more incorrectly. Causing me to incur HIGHER interest payments due to them applying the payments to the principal on XX/XX/2020 verses when they were actually done several MONTHS ago. I can NOT comprehend why this is so difficult for them unless they have monkeys working there. I have attached the original attachments and the new payment history to show the FRAUD this company is attempting to do to my loan. SEE cfpb Complaint : XXXX for original details at issue here.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: NJ

Complaint narrative:
I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I've sent multiple letters before this with no response and it has created a very stressful situation. The statute of limitations for the state of New Jersey have expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I've sent multiple letters before this with no response and it has created a very stressful situation. The statute of limitations for the state of New Jersey have expired.

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 2020-09-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-14 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: NY

Complaint narrative:
I have file disputes in XXXX and still havent receive anything. This should not take this long to get my results back 40 days is to long

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: IL

Complaint narrative:
I had a simple thing happen to me - I lost a credit card. The last time that this happened, Discover messed up my replacement card too. Previous to this, I had to make a CFPB complaint regarding Discover 's  incompetent staff that cancelled airline tickets by mistake a few years ago, putting a planned trip in jeopardy due to the circumstance of the voucher I used for a portion of the trip and their unapproved cancellation of my ticket purchase. Yet again, I am faced with incompetent customer service. I spent an entire weekend and several week days trying to get a simple replacement card. Many mistakes, hang ups, no call backs, misspelled email addresses, incorrect information, ridiculous security measures, rude people ... ..occurred just as a result of this 20-some year Discover card customer with a nearly XXXX credit score ... just trying to replace a card. Discover has a REAL problem with customer service. XXXX and XXXX, Ohio supervisors were wonderful. Note to Discover : model your customer " service '' agents after these two women. You are going to continue to lose business with this ongoing rotten customer service. The last time you even compensated me for your mistake. What will you do this time after the hours I spent in frustration trying to simply replace a credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Recently showed in my Credit History ( XXXX ) that some Collection agency ( named I.C. Systems Inc ) added and worth {$120.00} in my bad debt. I am wondering about that amount come from in my credit history which impacted from last XX/XX/2020. 
But I have nothing pending in that amount so far. 
I found their Contact number from XXXX Portal and called 3 times. Unfortunately the customer service don't know either. Each time they transferred my call to some other division but after waiting and listening some music call dropped. 
I should mention that, so far in last one year I didnt receive any Mail, Email or any Phone call from that above organization/ agency.

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 2020-09-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-14 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: NJ

Complaint narrative:
I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters that have gone unanswered to date which has caused immeasurable stress.

Company response to consumer: Closed with explanation