vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: NC

Complaint narrative:
Commerce Bancshares, XXXX  XXXX They make it extremely difficult to transfer money out of your account, for example when I need to pay rent. 

With many external transfers they put your transaction on hold. To stop the hold you have to call them and they take forever to answer the phone. 

Their online platform is clunky and doesnt work half the time. 

You can not transfer money via mobile. 

Their daily transfer limits are so low, that I cant pay a mont rent with a single transaction. 

They often block transaction for the dumbest reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MS SERVICES LLC
State: WV

Complaint narrative:
MS Services LLC has been harassing me and holding my credit file XXXX. They're attempting to collect {$350.00} from me for a debt I do not owe. They have not provided the original signed contract and refuse to remove the debt from my credit file. Due to them negatively affecting my credit I have been refused auto loans and credit accounts and have suffered many other damages due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Ive contacted Experian and XXXX about disputing the specific date of the account, its from XXXX. Should it be removed off my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have sent a correspondence in response to a letter XXXXonvergent Outsourcing , Inc. sent me on XX/XX/XXXX. Within that letter, they informed me that I owed an " alleged '' debt and that they provided valid proof of verification. This is not so. Pursuant 15 USC 1692c ( a ), a debt collector may not communicate with a consumer in connection with the collection of any debt which Convergent Outsourcing , Inc. clearly stated in the letter they sent me and only the original creditor can validate an " alleged '' debt. Pursuant 15 USC 1692, Convergent Outsourcing , Inc. is fully aware of the laws that fall under the Fair Debt Collection Practices Act, but fail to comply with the consumer laws by reporting this alleged debt. As a result of this false report, it has caused my credit score to fall making it hard to get approved for lines of credit which is defamation of character. These false reports harm my reputation with lenders and my credit worthiness. Convergent Outsourcing , Inc. has received my correspondence and supporting documents on XX/XX/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 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
I am formally disputing Specialized Loan Servicings ( SLS ), denial of a loan modification in the year XXXX, as well as continual harassment of sale dates while amid COVID-19 and State mandated eviction moratoriums causing tenants to not able to make their rent payments. As well, I am disputing their illegal, irresponsible activity of placing continual sale dates while they are informed of the severe hardships, we are enduring within XXXX XXXX due to the flooding and snowstorms to which my home had XXXX feet of water in it on XXXX separate dates, starting on XX/XX/XXXX, back-to-back, and then current snowstorms. I am working with XXXX, my insurance company and the City of XXXX currently to restore the property according to these experts during this declared XXXX State of Emergency. The last thing I need to contend with are sale dates! 

I applied for a loan modification in XXXX and I was denied on the grounds that SLS had no available options for me to keep my home. I would think between COVID-19 and the severe flooding/weather disasters we are dealing with currently, that SLS would find some program to help me through this. 

As per our Washington Governors latest state laws : Washingtons Governor Inslees Eviction Ban Proclamation, extensions, bridges currently are set to end XX/XX/XXXX, but upon expiration, has placed Ordinance XXXX which will take effect XX/XX/XXXX providing additional tenant protections including the start of a XXXX-month period in which a renter may claim a defense against eviction for non-payment of rent if they can demonstrate financial hardship due to COVID-19. This timeline protects tenants from evictions for non/late payments through midXXXX XXXX. 

Until my property is restored, and the City of XXXX allows my tenants to move back into their units and they can keep a job to pay rents, I am asking for forebearance relief, possibly a reduction in principal as well as a decent loan modification as I work daily to clean up this mess and try to rebuild after such a disaster on top of COVID-19. 

Most landlords are walking away and leaving this mess for the mortgage companies to deal with. I decided to work through this and restore my property the best I can and for this effort have been harassed with sale dates and told SLS has NO RESOURCES to help me out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I live in XXXX XXXX NJ. A blank unsigned check was stolen from my car. It was written for {$4000.00} and forged ( with a non matching signature ) and deposited in to the thief 's account at the same bank I bank with, TD Bank. I called TD customer service when I noticed the withdrawal and alerted them of the fraudulent check and froze the account immediately. Later that day the thief went back to the same TD branch and tried to withdraw the funds. The bank called me to question the transaction and they were alerted it was fraud. They wouldn't call the police with the thief in the lobby or help detain him, however I was able to get the police to the bank. The thief was arrested and charges are being pressed for the check/theft. An affidavit was filled out at the bank and notarized and sent in for processing. It has now been a month, and nothing has been done. The bank hasn't called me or even sent me a letter acknowledging the incident. I have called in to customer service and they say it's under investigation but that department can't be contacted. They then told me to take it up with the branch. I spoke with the branch and they alerted me it's in TD 's hands and that they have done everything they are supposed to do. No one has taken responsibility for the situation and everyone seems to point the finger to someone else. The bottom line is the bank should have checked my signature on file and never cashed the check. Even if they did, the transaction was from a TD to TD account, so it should have been a quick reversal. Not sure how much investigation needs to take place when the person was arrested for the check in their own bank lobby. It's not fair I should be out the {$4000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, A certified letter was mailed to TransUnion Credit Reporting Agency. Providing proof that 3 Public Records that are being reported on my credit report didnt belong to me. The reporting agency XXXX XXXX that TransUnion used in the past several years. Complete their investigation after being contacted by me and removed all 3 Bankruptcy from their database. TransUnion was also notified by XXXX XXXX requesting deletion of inaccurate reporting in results to their errors. XXXX XXXX is the Original Reporting Agency who I was advised to contact. I was informed from a Supervisor with TransUnion even after verifying they received the certified letter. That my credit report will remain unchanged because they now use a different agency XXXX XXXX XXXX whom advise them the 3 public records is accurate and needs to remain on my report. The Bankruptcy should have never been reported to my credit report. TransUnion refuses to delete all 3 Public Records even after receiving documentation from a previous agency theyve used. According to the Federal Credit Reporting Act. Failure to correct and delete inaccurate information after receiving documentation from the Original Credit Reporting Agency and Consumer. Is a violation. Im requesting deletion of all 3 Bankruptcy Public Records dates ( 2 ) XXXX and XXXX files in the state of GA from my TransUnion Credit Report. Final step will be to contact Georgia Attorney General Office.

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 2022-01-04 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: ACS Education Services
State: OR

Complaint narrative:
This student loan first originated during the Award XXXX - XXXX while attending the school called, XXXX XXXX XXXX XXXX XXXX XXXX which can be found in the uploaded supporting documentation on page XXXX where I have given you a copy of the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report does not reflect the Award XXXX - XXXX and is missing loan servicer Conduent, Borrower Services Department XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX This loan originated in XXXX and is still in repayment according to the loan servicer. Let the record reflect the correct date the current loan was first was awarded, in XXXX, and last sold by the loan servicer in XXXX. I have not taken any loans since XXXX and the XXXX loan is a requirement of the servicer to buy and sell loans to other companies. Correct this mistake, I included my lawsuit from XXXX on this matter as a second form of Federal proof of it's existence before XXXX. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I ceased and dististed this debt I do not validate that was sold over to a third party debt collector. 15 USC 1681a 2 ( iii ). There were 2 companies that made an agreement without my disclosure and it states it must be clearly and conspicuously disclosed to the consumer. Also, 15 usc 1681 2 ( b ) I do not authorize this. I also want my FILE and my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
According to the FCRA - accounts can only report for seven years and I have two accounts that are beyond the seven year reporting period. XXXX has removed these accounts ; however, Experian and XXXX have not removed the accounts as I requested in a written dispute over 30 days ago. The two accounts are the following : XXXX XXXX- past the seven year reporting period based on the date of first delinquency for a charged off account. 

XXXX  - past the seven year reporting period based on the date of first delinquency for a charged off 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 2022-01-04 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-01-04 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. AMEX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AMEX XXXX, AMEX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX my purse was stolen, I filed a police report immediately. I called Citibank and reported to put a stop on my credit card. The thief in XXXX department store ( in city of XXXX XXXX, California ) proceeded to use my Citibank debit/credit and made 5 different purchases. I went to XXXX and was told that they have video but the police would have to request it. Citibank gave me a credit for those 5 purchases but on XX/XX/2021 they debited my account more than six thousand dollars and said I was in possession of my credit card without no proof. I called them and asked them for a provisional credit until they investigate my case thoroughly but they are refusing it. They debited my account without any proof and saying I am the thief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is my 3rd attempt at resolution with Chase Bank. PLEASE DO NOT MARK THIS A DUPLICATE! Its not a duplicate, it is a response to the lies in Chase banks response! 
I have never heard of XXXX XXXX nor is she my attorney. I could not find her to reach this illusive response letter they sent out. From what I can tell WE THE PEOPLE are preyed upon by large corporations like Chase, XXXX XXXX, and the 3 credit bureaus who have this unlimited power over our lives and they have no regard for who they trample over. Who they destroy! Im living in sheer XXXX, my identity was stolen thanks to the XXXX data breach and did I get compensated or relief NO! In fact all 3 agencies have refused to delete the fraudulent accounts just like Chase bank refusing to refund OBVIOUS FRAUD!!! I have been financially devastated and its difficult for me to get up every day and continue to fight this. My credit has been destroyed and I cant get an apartment or a car! This is absolutely an unjust system. The banks get bailed out but not us!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Received a never applied micro center store credit card ( issued by Wells Fargo ) opened on XX/XX/2021, about changes {$3200.00}. Called Wells Fargo regarding the concerned faults. WF closed the 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 explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
possible finance {$100.00} date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX i have tried to dispute this account multiple times and they keep coming back as " verified '' even though i have sent a police report for these items they still wont remove it off my credit report i justed called XXXX XXXX XXXX on XX/XX/XXXX @ XXXX @ XXXX and the representative told me that i dont have an account with them i gave them my socail and everything.

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 2022-01-04 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: KS

Complaint narrative:
XXXX not at all familiar with this account on my Equifax credit report, possibly someone with a similar last name is linked to this. This is only reported on the Equifax credit report, I did not see it on the other credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. AMER HONDA account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AMER HONDA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX 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