vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One- I paid the entire balance off after becoming unemployed due to serious health issue then I was told I couldnt get credit on account. There was no balance at all for several months because it was paid the representative was not honest after I paid the card in full so they just wanted balance paid. 

XXXX XXXX- I paid the entire balance off after becoming unemployed due to serious health issue then I was told I couldnt get credit on account. There was no balance at all for several months because it was paid the representative was not honest after I paid the card in full so they just wanted balance paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist, the old SunTrust, overnight change the way they process debits and credits. For 15 years it has always been the same and I know what nights they process and what nights they dont. They have change that with no notification to their customers so that they can bounce checks on people and charge fees. They are also now holding transfers from one SunTrust account to another which they have never done. They have always been instantaneous. This new Bank is a total mess and its causing me tremendous problems in trying to navigate the new system which they are keeping a secret from the customers.

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 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I had a XXXX credit limit with American Express. I NEVER missed a payment and had a 100 % payment history. Once the pandemic hit I still managed to pay AMEx with no problems I made it a point to no be late or miss a payment In hopes I would have the extra XXXX that I didnt spend for emergencies which was strategic. Then I receive a letter in the mail that they reduced my credit limit from XXXX to XXXX for no reason at all. Stated that they checked my credit report without my consent and said I fell not the risk category. Even though I never missed one payment or was late EVER. Which in turn made my credit report drop drastically because now it looks like I maxed out my credit cards and live off my credit took my credit score from XXXX to now XXXX! XXXX also decreased my credit limit as well all around the same exact time XX/XX/2021 time frame and my credit has been messed up every since when I was paying on time. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Mt corvid 19 forbearances ending 0n XX/XX/2021. I do call and request a regular payment also requesting special help and any program to extend. They recommended another department for a loan modification to lower my monthly payment so I contact that and fill out the paper but they need documentation ( WellsFargo needs a financial report After the year XXXX I requested it and still waiting that I couldn't get it from my Co-op bank. ( Phone conversation recorded ) Therefore I started making payments on XX/XX/XXXX and XX/XX/2021. However, Wells Fargo wants all the payments at once during the forbearances period. And XXXX XX/XX/2021 I have got Foreclose Notice by mail. 

I am so confused and Don't know what to do. All I need extended forbearance or another help and I filled all the paperwork Also I made all the regular payments after the forbearance period ends. 

I requested 3 times please back to my normal payment and I made a payment but I got forclose notice I need help. 

Thank you for reading this grammarless writing once again I need help. 

My monthly payment is {$430.00} I've received notice of intention to foreclose XX/XX/2021 Total overdue {$7800.00}

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 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I demand the following account be verified or deleted immediately : The following account is not mine : XXXX ( Account Number : XXXX ) Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2021-12-21 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: EQUIFAX, 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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: FL

Complaint narrative:
After disputing online previously and getting a response of account verified.On XX/XX/21 I informed XXXX XXXX and TransUnion that incorrect information was being reported by my previous car company ( XXXX ) which is reporting a repossession on a paid off account, the account was paid off and traded in for a new vehicle in XX/XX/2021. I requested information on how this account was verified due to the fact that its paid off and was never provided that information.After 30 days I wrote again and also sent receipts from the dealer showing the car was paid off and traded in but the three bureaus have not removed the repossession status/remarks and they continue to report negative information for XXXX XXXX 2021 on a car thats paid for. Its clear this account is erroneous and incorrect.

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 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I was recently called by a person impersonating an employee from the fraud department at Goldman Sachs Bank. The number they called from was ( XXXX ) XXXX. They convinced me that there were multiple large charges on my Apple CC and sent me a link to change my password, which I stupidly did. They put me on a long hold at which time I began to suspect it was phishing. I immediately hung up and called Apple support. My credit card was deactivated, but Apple refused to help me recover my AppleID even though they could clearly see that my recovery information had just been changed. They wouldnt even lock the AppleID so that the person committing fraud would be stopped from accessing all of my bank info, saved passwords, and online accounts. Im sure Im not the only person that has been scammed by whomever the XXXX phone number belongs to. The biggest lesson I learned is that no matter how many years you have used Apple nor how much money youve spent with them matter. They were more interested in protecting the scammers rights to my account than in helping me. The did send me a link to educate me about phishinga little late for it to be of any help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NJ

Complaint narrative:
On XX/XX/XXXX while in XXXX XXXX with friends we were at a bar and were talking to some people we met there. I was speaking to a young couple that seemed friendly i notice that when i went to atm machine they had followed me and stood next to me as I withdrew {$600.00} we continued to talked for several minutes and me and my friends left the bar the man from the couple gave me a hug goodbye. now back at my hotel i noticed my phone and wallet were gone, very upset it was late so i went to bed. i got up early XX/XX/XXXX took a XXXX  to the XXXX  store got a new phone and went back to my room and called TD fraud and cancelled my debit cards as well as my other credit cards. During that time period the people who stole my debits cards and must have saw me use my pin at the bar racked up {$9300.00} in charges at several stores and ATM machines. When I got home I went to TD Bank that monday XX/XX/XXXX and filled out a fraud report list all of the false charges. A week or so later i was told by letter TD felt fraud did not occur due to the fact after i cancelled the cards there were no attempts to use them. this is false there were indeed two attempts to use cards after i had cancelled them. I refiled my case they again declined to cover the false charges. I was told to get local police report which I did and refiled for a third time with a promise from TD Bank disputes and Claims would call me directly which they never did by again refused to cover my charges. I have two witnesses that will attest that I was with them during the time period my cards were being used all over XXXX XXXX. Ive used TD Bank for over 15 years with no issues. I asked TD Bank to please pull video tape from ATMs the cards were used during time period after my wallet was stolen and the refused to do so. I asked them to please look at store video footage to see who indeed used my cards and they refused to do so as well. Their whole basis of refusal to cover my loses Im told were based on the fact the cards were not used after I cancelled them HOWEVER I was told by TD BANK customer service there were indeed two attempts to use my cards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX phone XXXX obviously did not do their due diligence in investigating my case. I sincerely request your help in this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I went to jail for 18 months I came out XX/XX/2021 I called the lender to get a pay off quote to catch up on my mortgage payments and I was never provided with one. My aunt was going to pay the balance and we tried 3 times and I got it by mail a week after the auction. And the bank took it back no bids were made so Im still at the home with a lot of XXXX and stress. I tried getting an attorney almost paid {$11000.00} for his services and it came out to be a scam. I feel this property is worth a lot more now so they took it from me when I was going to catch up on payments. The auction date was XX/XX/2021 on my daughters birthday. I came out XX/XX/2021 by law they were supposed to provide me one with in 7 days. And I never received auction date of the property by certified mail nor did they post it on my door. If theres anything you can help me with even advice I highly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NV

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX, I made a large prepayment on the principal balance of my mortgage that resulted in the payoff date being accelerated from XX/XX/XXXX to XX/XX/XXXX. In XXXX, I received my annual escrow statement from the bank. The escrow statement did not reflect the changed payoff date of the loan, and was requiring me to continue funding the escrow account as if the payoff date had not changed. Even worse, they were indicating I would have a shortfall and therefore were requiring me to INCREASE my monthly escrow payment. And even worse than that, the escrow statement plainly showed that the account already had enough money to fund any remaining payments to be made from the account through the end of the adjusted loan term. 

I contacted the bank and eventually was able to get the customer service representative to understand the situation, and they agreed to waive escrow. I asked if I would be charged for doing so, and I was told I would not be charged. 

Then, in early XXXX, I received a letter from the bank that they would be willing to waive escrow for a fee of {$32.00}. I immediately contacted the bank once again, demanding that they waive the escrow fee and was told the escrow department would have to handle the situation, and no, I could not speak to someone in the escrow department since they do not accept outside calls. I have yet to hear back from them more than six weeks later. 

Obviously the fee is a minor amount. What concerns me more is that the bank has clearly not programmed its systems to accurately reflect the impact of making prepayments on the loan. The impact to me was minor, but must result in significant overfunding of their escrow accounts, accounts on which they earn interest, but the mortgagee does not, i.e., they earn a lot of money unfairly based on their own mistake ( whether intentional or deliberate ).

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 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited a check into my account and the bank place a hold on it for seven days

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 2021-12-21 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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit 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 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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