vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 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: MD

Complaint narrative:
Experian is the only credit agency reporting that a closed Veterans Affairs account is in Collection status as of XXXX and XX/XX/XXXX. 

The account was closed back in XX/XX/XXXX as fully satisfied. I provided a letter from the VA confirming this status. 

I disputed it twice with Experian and on XX/XX/XXXX and XX/XX/XXXX they left the bogus monthly status as in collection for XXXX and XX/XX/XXXX. 

Also, the late status and collection for XXXX and XXXX is wrong. I was disputing the amount owed with Experian. I paid them the full amount that ultimately was owed. 

I did an appeal with the VA in XXXX which reversed the debt they incorrectly sent to collections and in fact received back some of my money.

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 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing has refused to update our principal balance since XXXX post Chapter XXXX Bankruptcy. XXXX was the original mortgage company. During our Bankruptcy. Our Bankruptcy started XXXX and fully discharged early XXXX. Late XXXX Select Portfolio became our mortgage company. They reinstated the written off amount XXXX submitted Proof of Claim to the Bankruptcy Court. Ive been disputing with them since then. Technically we have not missed payments. This year in XXXX Select Portfolio Servicing stopped taking payments and are trying to foreclose on our home. Throughout all our past hardships and disputes I could not figure out how to get the mortgage company to correct our account so I kept paying them, believing once all was corrected I would get my money back. Yesterday two Realtors named XXXX and XXXX XXXX came to my home pretending to be my husbands cousin trying to gain access to my home. Apparently they had been asking our neighbors questions about my husband saying they were his cousins. I denied them access never confirming names but telling them if the are from Select Portfolio Servicing the need to take me to court and to stop Harrassing me. I reported it to the local Sheriffs. Deputy XXXX  took my statement including my request for extra patrolling of our area. Yesterday I sent another Rebuttal to the XXXX  Complaint # XXXX. Also many disputes have been submitted to the 3 Credit Bureaus, each time Select Portfolio Servicing has corrected the false information having our Credit Scores up and down. My name is XXXX XXXX and my number is XXXX.

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

Complaint narrative:
On XX/XX/XXXX, received a call from TD Bank Fraud line : ( XXXX ) XXXX, " XXXX '' told me that there was fraudulent activity about to happen on my checking account. He gave me five ( 5 ) codes to " clear the fraudulent activity ''. On XX/XX/XXXX discovered that {$1200.00} had been taken from my checking account.

On XX/XX/XXXXs, went to TD Bank, opened new checking account / new VISA debit card. Was told that it would be " 3-5 days '' and my funds would be returned to me. I asked how this occurred, customer service said : " I have no idea '' Subsequent staff would then tell me that hacker had disguised his number to appear to be from TD Bank. 

I have spoken with TD Bank on the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, with NO resolution. Each time I am told it will be 5-10 days to resolution, then discover that TD Bank gives itself 45+ days to " resolve '' issues.

Enclosing two ( 2 ) form letters from TD Bank dated XX/XX/XXXXand XX/XX/XXXX denying my claim, asserting that I approved the transactions. Enclosing also statement of the transactions from my TD Bank. I have no knowledge of an : XXXX XXXX, to whom the money was directed. 

During the telephone call, I was prevented from seeing the result of my responding Yes by the hacker. 

It seems to me that TD Bank is deciding in the bank 's favor far too quickly. I am a TD Bank customer since XXXX. I use twelve ( 12 ) checks per annum for rent payments. i pay utilities online using my VISA debit card. Then, I drain my account in one evening to an unknown third party? Inconsistency like this does not raise any red flags with TD Bank? 

The staff members whom I have spoken with at TD Bank have helpful, however, anyone able to authorize any refunding of my funds makes themselves unavailable at all times. When I mentioned my attorney becoming involved, they refuse to reveal a contact person at TD Bank. I was told that : " your attorney will know who to contact ''?! 

Subsequent calls to TD Bank after XX/XX/XXXX indicated to me that the staff were becoming less and less helpful and / or cooperative. TD Bank calls this " customer service ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I had XXXX dollars stolen out of my account, I filed a dispute same day, and they declined the dispute, there is zero reason why they declined my dispute and wont tell me why. American Express basically told my Im XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09 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: NJ

Complaint narrative:
XXXX XXXX collection Original debt XXXX XXXX is list twice on file. Notified you numerous times to delete duplicate but Transunion refuses to remove duplicate. The accounts original debt was also included in 2018 bankruptcy as I included all my timeshare in the bankruptcy however Transunion is saying an account included in my bankruptcy is accurate. It is not it was settled in 2018.

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 2021-09-09 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: TX

Complaint narrative:
I reviewed a copy of my current credit report and show a complete or inaccurate information listed. The creditor XXXX XXXX Account # : XXXX Credit reporting history is listing inaccurate late payment for this account on ( XX/XX/2020 and XX/XX/2020. I have not only paid this account in full but I have never missed a payment to this account. Please update to show credit report that account payment history was never late and remove late payments to account. Also I attempted on a number of occasions to reach out to have late payments deleted.

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 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have owned this condominium since XXXX. I have had a mortgage loan through SUNTRUST the entire time. the original purchase price of the unit was {$120000.00}. I refinanced under the HARP program in XXXX to reduce payments after I lost XXXX % of the value of the home. The mortgage loan amount, at the time of the refinance, was {$110000.00}. My current principal balance is {$86000.00}. 
I have made numerous written attempts to remove PMI ( $ XXXX ) and they all have been rejected. I have been paying mortgage insurance for well over 10 years on this property and paid below 80 % of the original loan amount.

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 2021-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX at XXXX I sent an email to the CEO ( XXXX ) of CapitalOne requesting a XXXX  adjustment in regards to a missed payment from XX/XX/XXXX showing on my credit report that was due to extenuating circumstances at the time. A CapitalOne rep called me on XX/XX/XXXX at XXXX ( that lasted 3 minutes long ) to tell me that she was a representative regarding CapitalOne, that a team investigated the matter, and that they don't do XXXX adjustments because they have to report everything accurately. My sister had a similar situation and explained everything, and got a XXXX adjustment with the late payments removed, I have seen other letters online of people showing their XXXX request being approved from CapitalOne, so I do not believe that information is true. I know many others who have also reported getting a XXXX adjustment and this is my first very time ever requesting something like this. I have sent an email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have not heard anything back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
There are multiile car loans on my account that are closed and show that i rented a car but i didnt it dosent belong to me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19. Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX during COVID-19.

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 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Hi, on XX/XX/XXXX my mobile login was compromised. I reported this issue on XX/XX/XXXX to a Wells Fargo fraud representative. I was not held liable for the unauthorized activity and my account was re-instated. Today XX/XX/XXXX my card was not working for available funds in my account. I call fraud department and they told me the block ( to confirm my attempted charge ) was removed off my account and that it was active. I had 3 more instances of calling in to unlock my card in which I had no success resolving that. It wasnt until a rep finally told me I had an additional block that required loss and prevention to remove. Upon calling loss and prevention on XX/XX/XXXX I was greeted by a very XXXX  rep who deflected my integrity and told me that I never spoke to a fraud department rep about reinstating my account for the unauthorized activity that took place. She continued to get louder and louder as I stayed calm asking for her to check any possibly notations. The rep then replied to me nope nope nope you did not even speak to anyone. This is deflecting my literal experience as a wells Fargo customer, as I DID speak with a representative who assured me my account was reinstated and active with no blocks. She continued to tell me that I never spoke to anyone in the past, even though all calls are recorded and notated. I am stuck with a restricted account with no explanations for why I can not access my funds and why my account is still restricted for unauthorized activity I shouldnt be liable for. I am unsatisfied with the unprofessionalism and arrogant attitude from the loss and prevention rep I spoke with.

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 2021-09-09 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: NJ

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc.
State: NV

Complaint narrative:
Sofi restricted my debit card access without a email or response. I tried calling Sofi support and they were unable to address my issue for 2 weeks. Constant calling and leaving messages for no reps to get in contact with me, I had no access to my funds for weeks and finally got fed up and decided to transfer my funds out my account. When I tried to do so they flagged my account and said I had to contact support. Tried calling " Fraud Prevention '' this morning at XXXX but that number basically doesn't exist. I've called XXXX at every time of the day and it always tells you they are busy. Which means they have provided a fake customer service number that actually won't connect with anyone. I called the sofi rep and even SHE couldn't get in contact with them and said she has to email them. This is some of worst customer service I've ever seen from a company. Provding users with essentially a fake customer service number that actually never connects with someone to help is extremely shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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:
Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19.

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 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Paid off my credit card account that's has also been closed but Citibank is still sending me monthly bills even though I have made no purchases and the card and account is 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 monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It XXXX Concern XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/1994 SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX THESE ADDRESSES DO NOT BELONG TO ME XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident XXXX family THESE NAME VARIATIONS DO NOT BELONG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Requested Correction : please update all info to my correct XXXX XXXX have XXXX all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XX/XX/1994 SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

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

Complaint narrative:
Notice to all, I am that I am, a citizen of XXXX, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name, XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX XX/XX/2021. I am the natural person not a third party. I did make this FTC report. I the consumer XXXX, XXXX did not receive goods and services so this FTC and identity block ism valid. You dont have any rights to deny my block of these alleged account an If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance. If you have proof that I received services please have a senior executive certified of the penalty of perjury that a fact that I received goods or services from this transaction.

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