vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I filed two Dispute Claims with TD Bank on XXXX.On both disputes I fulfilled requests by the bank to restore my funds.After I fulfil their initial requests, there is not more that I should be required to do under the circumstances.They submitted a letter in writing requesting that I explain the circumstances of the request for a refund on both disputes and I did.They requested receipts and I submitted receipts.When it appeared that the merchants had no grounds to recover funds from my account, TD bank summarily amended the requirements for granting my Dispute Requests for a Refund, transmitting additional requirements from their Legal Department that are unheard of by customers in Good Standing, suggesting Legal Action.They did this even after I asked them if they are recognizing who has their name on a TD Bank account.I asked them if they were equating my entitlements as a Bank customer as being inferior to that of the merchant/vendor of a Bank customer.On XX/XX/2021 they mailed me a letter denying both of my dispute requests arbitrarily and without consideration for the actual circumstances or my standing as a TD Bank customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20 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: Service Bureau, Inc.
State: NM

Complaint narrative:
Service Bureau Inc is reporting false and fraudulent medical information to my credit report and is in violation of HIPPA laws!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NV

Complaint narrative:
To Whom it may Concern, I have attempted multiple time to remove negative marks and the balance posting on my account with Experian, XXXX and XXXX. XXXX XXXX has not been responsive to my complaints so I need the credit reporting agencies to fix the inaccuracies based on my supporting documentation. 

Experian, XXXX and XXXX was contacted multiple times in XX/XX/2020 to the current date through a credit repair agency regarding XXXX XXXX false reporting on my credit. I have documents showing the inaccurate reporting and ask that these negative marks be removed due based on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

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 2021-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp
State: TX

Complaint narrative:
The alleged debt was paid in full in accordance to the law 16 CFR 433.1-3. The promissory note was my negotiable instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flatonia Investments, LLC
State: TX

Complaint narrative:
On XX/XX/2021 ENVOY MORTGAGE LTD sent me a statement of credit denial. There decision was base off several reasons. The length of time accounts have been established, time since most recent account opening is too short, too many accounts with balance, balance to credit limits too high, and number of inquires on account. There decision was base off a third party XXXX, XXXX, and XXXX. Also the company use false information saying these laws for there decision was base off the Fair Credit Reporting Act. I reach out to the company about the adverse action letter stating you can't be denied for credit on an adverse action, you can only be denied for insurance and employment only. ENVOY MORTAGE LTD proceeded and told me it doesn't mean I got denied for credit according to the Equal Credit Opportunity Act they have to send that form. I, XXXX XXXX extended my credit to ENVOY MORTAGE LTD and the company was the only one benefited from the deal by denying me credit. I sent them information about this and the company never responded! The amount was XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I fell behind on my Ashley/Synchrony ( The Bank ) Credit Card payment , resulting from a job loss on XX/XX/XXXX. However, during the entire pandemic, while jobless, I managed to maintain minimum payments until about three months ago. 

On or around XX/XX/XXXX, there was a gap in my EDD UI benefits which impacted several bills. Federal UI benefits ended on XX/XX/XXXX. I continue to experience hardship and have not reestablished full-time employment. Instead, I am working gig jobs to stay afloat. Still, I raised {$200.00} making a payment to the bank in hopes that they would understand the hardship and accept the payment in full, and stop adverse reporting to the CRA 's. 

Instead, the bank insists that I need to make another payment of {$120.00} to bring the account to current. My regular monthly payments were {$59.00}. The account is non-interest-bearing because of a promotion for 0 % interest for six years from purchase. Before the pandemic, I was paying, in some cases, triple the minimum due amount. The bank was kind enough to remove two late fees totaling {$80.00}. 

Finally, on XX/XX/XXXX, on a recorded line, the account manager said, " if I [ did not ] make a payment of {$120.00} by XX/XX/XXXX, late fees and adverse reporting [ would ] continue. ' The manager said that collection calls would also resume. 

The bank offered a hardship plan. The new terms reduced monthly payments, provided 0 % interest, and stopped late fees. Still, my account would not be current until I paid {$120.00} more. Despite a hardship plan, adverse reporting would continue. My good faith attempt was not enough ; the bank demanded more money to stop harmful actions with my credit. 

I want to add that the first representative I spoke with also crossed a line. He asked if I was calling about another account. I told him that I called the phone number on the statement associated with Ashley/Synchrony . At the end of the call, he stated, " what about your other accounts? they need attention too. '' I am not sure why he felt the need to intimidate me into discussing other accounts. Previous agents said that each card had different numbers to call.

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 2021-09-20 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: NY

Complaint narrative:
hello i sent a dispute over 45 days ago still no response it currently states that i have missed payments for my XXXX XXXXXXXX  witch is incorrect there should be no late payments

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 2021-09-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
There are numerous inaccuracies on my XXXX Credit report, that I have brought to XXXX 's attention and they had failed to fix the issues. 

There is a collection account that should have been removed as I never had any business relationship, account setup, or payment arrangements with the company. My account was handled directly with the creditor without the involvement of any collection agency. 

Financial Management Solutions is reported as a Hard Inquiry on my credit report ; this company is a collection agency- that is being incorrectly reported, as a lender who accessed my credit report for an installment loan or new bank account inquiry. I have never applied for any loan or bank account with this company and never given this company permission to use my personal information to obtain my credit report. 

There is a business account from XXXX XXXX that should not be on my personal credit report. I have disputed this account numerous times, the other credit bureaus have removed the business account from my credit reports, XXXX has failed to remove this account and continuously avoids correcting any inaccuracies.

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 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
It started a few weeks ago when they shut off access to my app and their texts are blocked by XXXX so I called today to get them to fix the lack of access. I went through 3 representatives and the Supervisor XXXX refused to grant access to my accounts or funds with my verification of my social, mailing address, birthday, and phone number ( was calling from an electronically verified by system ). The app also traces my physical address which is my billing address when trying to access my accounts via the app and now online which is also being refused. I am unable to access my accounts or the thousands of dollars in them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I had charged a number of items and returned one of them. As the credit was not on my XXXX statement I attempted to calculate what was owed and paid that. Due to my miscalculation, I was XXXX XXXX off. 

On my next statement, I was charged {$32.00} in fees for having a XXXX balance. I tried to call but could not get through so I wrote a letter. Instead of refunding the fee, on my next statement, I was charged an additional {$32.00}. I called and this time was able to speak to a person who said they would only refund one of the late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Funding stole my information without my signature. Reported information to the credit bureaus. Sue me. Put a judgement on my property. And ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
The car loan that I have is held by Exeter Finance LLC. I've had the loan for approximately 5 years. The loan was for XXXX as of today my balance is nearly XXXX. This is surely an illegal business operation. I have tried to contact upper management about current situation at hand. The vehicle is a XXXX XXXX XXXX purchased in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Payday loan 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
I received an email XX/XX/20 from some person by the name of XXXX XXXX, stating that after receiving this email there will be legal actions with a warrant out for my arrest and they will be picking me up from my home and taking me into custody. Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department Monday at XXXX am as per your State Standard Time I did try reaching out to this person by calling serval times and did leave a voicemail message but no luck or a return call I also email them and he finally responded back to me at XXXX with again stating with the amount I owe of {$980.00} and with 317.5 %, principal amount, attorney charges late penalty, paperwork and late fees. 
Kindly call on to settle this matter or provide your best number to reach you at as the issue at hand is extremely time sensitive. Your case file is getting merge to be downloaded right now then after it will be proceeded inside the court and you got ta find your self in a big legal mess by getting picked up from your home and work so before you face any kind of legal consequences i want to you to call me back and resolve this matter. I am waiting. 
This is part of the other email he sent to me and now there is 2 different phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NAVY FEDERAL CREDIT UNION reflects a billing error. The payment coupon sent to me shows a positive amount being owed to me. The payment coupon shows a credit balance of {$20000.00} and available credit of {$4300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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:
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 XXXX, 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 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Lending Club Corp
State: MI

Complaint narrative:
An ACH transfer was accepted by LendingClub XXXX XXXX.on XX/XX/21 but the funds have not been deposited into my account as of XX/XX/21. 

I have reached out to them and they will not deposit the funds, saying they can not track them down, I have documentation showing the ACH transfer was accepted. 

Now they are not accepting my phone calls and I can not speak to anyone to get a resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: GA

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Alorica Inc.
State: MO

Complaint narrative:
The account in question was for a personal loan that was held by XXXX XXXX XXXX. While I was deployed on XXXX XXXX XXXX sold the account to SST in XXXX of 2019. I was deployed from XXXX of 2019 to XXXX of 2019. For the first 5 months that SST held my account they made zero contact attempts. They marked my payments as late without even confirming any details with me. I made attempts to contact XXXX when I had the time during that deployment but XXXX was not able to assist me as the account was not theirs anymore. I made several attempts to call SST but I was never able to reach them. I finally got ahold of someone from SST upon returning stateside. They had charged me the late fees and marked payments late for XXXX XXXX. I have provided both XXXX and SST copies of my statement of service verifying my service and my DD-214 that verifies me even further with no resolution. Though I do not have a copy of my deployment orders for that specific deployment in 2019, I did offer to reach out the command at my old unit to attempt to get those orders. However, SST told me that my military service meant nothing and that those orders will not be sufficient in proving that it was their fault I could not make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-09-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX Dear Sir or Madam : As of XX/XX/XXXXit is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report, the items I dispute on the attached copy of the report I received.The information on my credit report displays addresses that I have never resided in. What's fraudulently listed is the following ; XXXX XXXX XXXX, XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, XXXX CFR part XXXX, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt XXXX, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 001, 002, 006, 023, 024. 

Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation