vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld Systems Inc is reporting a frauduent account on my credit. Upon speaking to Tranworld Systems they informed me that this accounts is linked to an adress I am not affiliated with. Please remove this account from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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:
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. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
This is not the first time and I am sure will not be the last time that the additional funds I have requested be made to principal are held by Wells Fargo in an Unapplied Funds Balance Account rather than being applied to my mortgage and thus allows them to charge fraudulent interest. I want them fined for this consistent effort to refuse my additional principal payments so that they may charge more interest for their own business interests. Per the attached documents, it will show how my payment was {$1000.00} and they only applied {$850.00} to my payments which is a significant difference ; this has been going on for the past 3 months accounting for {$550.00} in paid principal that they are charging me compounded interest on! This is not my first complaint with CFPB and I hope this time you actually protect the consumer rather than allowing a company that has been fined and lost court battles over their fraudulent business practices to continue covering up their fraudulent actions without consequence.

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 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My name, address, last four of SS # and a valid email address, XXXX, were stolen and used to open a fraudulent PayPal account. Then someone stole a {$5.00} credit PayPal put into the fake account. Now, PayPal says they can not close that fraudulent account but can only " restrict '' it, but they acknowledge that someone could possibly get those restrictions lifted and use the account again. I can not have an account in existence online that stole my identity and could possibly be used to scam people or perpetuate further identity fraud in my name. Please help me to get rid of this account in its entirety on PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 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: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I filed for bankruptcy in XX/XX/2021. I received my discharge in XX/XX/2021. My discharge did not include my mortgage. I continued to pay my mortgage on time during the pendency of the bankruptcy. My mortgage was never discharged. My mortgage company is continuing to report that my mortgage was discharged and I have a XXXX  balance. I receive a statement every month showing the current balance. I have also printed out my payment history during the time the bankruptcy was pending and it all shows my payments were made on time. I have asked XXXX  and XXXX  to correct this to indicate that there is a balance, and that I have made my payments on time, and that this was not discharged in bankruptcy. After their investigation my mortgage company still refuses to update this information which has a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
this debt was part of identity theft, I do not owe the debt, have tried to resolve it several times with written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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 Have sent dispute letters letting Transunion Know these are not my inquires on my account on XX/XX/2021 2021

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 2021-06-15 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: AL

Complaint narrative:
An account with XXXX XXXX showed up on my credit report for an account with XXXX  XXXX XXXX. I sent a letter via mail on XX/XX/2021. I have made 4 attempts since and I have not received a response. They have not been able to verify, validate or send any information regarding this account and it is still showing on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
please check the following accounts that appear in my report, without any authorization XXXX XXXX XXXX Account Number : XXXX This is not mine. 
CITICARDS CBNA Account Number : XXXX This is not mine. 
CITICARDS CBNA Account Number : XXXX This is not mine.

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 2021-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingUSA
State: NC

Complaint narrative:
I have made several attempts to contact LendingUSA concerning my balance that is not decreasing and i overpay each month. I was hung up on three times by this company on XX/XX/XXXX trying to obtain my payoff and historical payment history to determine what i owe. I do not know why they are denying me this information or feel the need to hang up up a customer who overpays them, but this is the response i get when i reach out to obtain my information concerning this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: 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. II 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  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 2021-06-15 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
this debt was part of identity theft, I do not owe the debt, have tried to resolve it several times with written documentation.

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 2021-06-15 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: MS

Complaint narrative:
I've submitted several letters to Experian about the following accounts on my credit report that are in violation. These accounts continue to report late payments on accounts that have been closed and or charged off for several years. Experian continues to ignore my disputes and suggest that these accounts are accurate and meet FCRA/FDCPA reporting laws despite me submitting evidence that clearly shows that these accounts contain multiple violations. 
The following accounts contain FCRA and or FDCPA Violations. I have also, once again attached proof of the following violations 1 XXXX XXXX XXXX XXXX ACCOUNT # XXXX This account continues to report late payments after the account was closed 2. XXXX XXXX XXXX Account # XXXX This account also continues to report late payments after the account was closed 3. XXXX XXXX XXXX XXXX Account # XXXX This account continues to report late payments after it was closed 4. XXXX XXXX XXXX XXXX Account # XXXX This account continues to report late payments after the account was closed 5. XXXX XXXX XXXX XXXX Account # XXXX This account continues to report late payments after the account was closed

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 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Bank keeps holding my deposits and charging me overdraft fees due to the fact that bank account goes overdraft because they are holding my funds.

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 2021-06-15 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: AL

Complaint narrative:
I have inaccurate information reporting n my credit report. I have made 4 attempts to resolve this issue ; however, I have not received any corresponding at all. My first attempt via mail was made on XX/XX/2021. They have not been able to validate this account 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
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
For over a year Ive had many times My cards keep getting compromised and bank charges me fees when card gets compromised due to fraud.

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 2021-06-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: AL

Complaint narrative:
I opened the margate with AMERINAT and every payment that they reported was reported as a late payment in error. This has never been corrected and it is adversely impacting my credit score. I have reached out and contacted Customer Service and they still have not gone through to correct this error. This is a closed paid account and I would like fortis to be corrected immediately.

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 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I purchased tickets through XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX. Unfortunately, due to COVID-19 the events were later cancelled. XXXX XXXX XXXX refunded my account with TD that I used to purchase tickets but, that account had been previously closed. XXXX XXXX has sent multiple emails showing that the money was refunded to TD Bank. I've reached out to TD  and they have stated that they do not have the money. At this point I have become very frustrated because TD has not been helpful and I would like clarity on the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
During an online search, XX/XX/2021, my computer was hacked into and the thieves transferred {$1900.00} from my savings account and then executed an International Wire Transfer from my checking account to XXXX in the amount of {$10000.00}. Within two hours of this transaction I was at Chase Bank to report the theft. The branch manager told me right away that I am liable for the funds because International Wires are not covered. Now Chase Bank refuses to return any money citing " ... I did not properly set up alerts on my account.. ''. I believe I have rights under the Electronic Transfer Act - Regulation E and am seeking help with this matter. Chase has simply shut me down. 
I have exhausted all avenues and spent about 20 to 30 hours on hold, transfers etc. through Chase Bank filing fraud report claims etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have been trying to refinance my mortgage since XX/XX/XXXX. My current lender is Citizens Bank. I have a charge off of a HELOC in the amount of approximately $ 45K since XXXX. Every month since XX/XX/XXXX, I have had an automatic debit from my checking account for {$500.00}. Current balance is now approximately {$16000.00}. 

In order to refinance, I need a statement from Citizens that reflects my on time payments of this charge off for the past 2 years. 

Repeated attempts have been met with no response. This is the final document that I need to close on a refinance. 

Per Citizens Recovery Department, I was to send a request for the statement with my signature to XXXX on Thursday, XX/XX/XXXX. I informed them that it was urgent. No response. 

At the same time, I contacted Citizens Mortgage to get a statement for my current mortgage. I received that in 48 hours. 

This is the second attempt at refinancing and, in XXXX, my refinance was closed because of untimely document receipt. Once again, this HELOC statement was the only document missing during that attempt. 

I feel as though Citizens is deliberately blocking my attempt to refinance. My loan with them is at 6.8 %. I have been unable to take advantage of low interest rates because they will not release this necessary document. 

I am at my wits end. Filing this complaint seems my only recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened my TD bank checking account on XX/XX/2021 with a promotion for {$300.00}, i satisfied all requirements for the promotion in XXXX XXXX i have reached out to td bank and i was told i do not qualify for the promotion. which seems inaccurate i have included a copy of the terms and the promotion i have applied for in XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that. 


Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1.00} Reason : Account is fraudulent

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 2021-06-15 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that. 


Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1.00} Reason : Account is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: OH

Complaint narrative:
I have tried to dispute this with Equifax and XXXX  in XX/XX/2021. This hasnt been resolved and is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: OH

Complaint narrative:
I have tried to dispute this with XXXX  and Experian in XX/XX/2021. This hasnt been resolved and is hurting my credit score.

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