vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
TD Bank received my mortgage payoff on XX/XX/2020. As of XX/XX/2020 - 22 business days later, I have not received a refund of the escrow balance. I attempted to resolve with TD Bank. They initially said a payment was to be sent on XX/XX/2020. Next I was told I would receive funds on XX/XX/2020 ( 20 business days as required by law ). On XX/XX/2020 I was informed " the check is in the mail as of XX/XX/2020 '' and there is no tracking or validation. This appears to exceed my legal rights XXXX " within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. '' They have clearly not returned the funds to me. Stating a check is in the mail is not an excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX {, XXXX XXXX XXXX, XXXX XXXX . I have contacted the FTC and my local police and I am doing this on my own behalf. XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX   XXXX These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America incorrectly reported my account in delinquency due to their own mistakes! The incorrect report ruined my credit score from XXXX to XXXX! Now I can't refi my house with good rate! BOA need fix my credit report ASAP, refund my fee or interest charges! 

I have Credit card form Bank of America. I missed the XXXX payment because I didn't receive the statement. I called and found that I was late for a payment. During the phone call, I tried to make full payment. First I used my debt card, after 10 minutes trying, the customers service told me their system had issue and couldn't take debt card. Then I gave her my checking information as she asked. While she was submitting my payments, the phone disconnected. I thought it's all done after 20 minutes with them. However, two weeks later, I received a notice that I've missed two payments and my credit limit was lowered from {$10000.00} + to basically nothing, {$500.00}. I called again and found out that the previous payment wasn't submitted properly. I made payment again over the phone. The worst thing is that My credit score is totally ruined when I just started to refi my house. 

thanks, 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 monetary relief
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 non-monetary relief
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I spoke with a rep with Wakefield & Associates on XXXX XXXX regarding collection on my credit report for {$190.00}. I specifically asked the man I spoke with, if I pay this today, can it be updated as paid or deleted off my credit report and I'd make arrangements on a few others they had on me. He told me yes that he would most certainly do that for me. I paid over the phone with my debit card and it cleared my bank on XX/XX/XXXX on the amount of {$190.00}. I also set up ACH payments on the other accounts ( they are not on my credit reports ). I disputed this account on XXXX XXXX and got the results today that it was a verified account and nothing would change. I want this off my credit report! I paid it in full and it should be showed as paid or removed as it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. 

below are the accounts XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$880.00} XX/XX/XXXX XXXX/XXXX  {$830.00} XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX {$14000.00} XXXX XXXX {$3000.00} XX/XX/XXXX 2016

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 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XX/XX/20, Barclay contacted me stating that I owe a debt to them. I am currently enrolled in a debt settlement program with XXXX XXXX and my settlement was paid in full to resolve this account. All payments were made to Barclay as agreed. Barclay refuses to acknowledge the settlement that was agreed on and continues to harass me for a balance that is no longer due to their company. I spoke with a manager named XXXX XXXX who was extremely unhelpful. They refused to verify to contact XXXX XXXX for verification of this debt settlement agreement. He refused to provide me with his supervisor 's contact information several times before he finally provided me with the name of his supervisor in which he stated was XXXX XXXX. I requested a fax number or email to make a formal complaint to his supervisor and he refused to provide this information as well.

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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXX accessed my credit report without my consent. I filed disputes with Equifax and XXXX  to no avail. I have not lived in XXXX in over 7 years so there is no reason for this inquiry to be on my report for XX/XX/2019. 

XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EQUITY LOANS LLC
State: FL

Complaint narrative:
Todays Date : XXXX On XX/XX/2020 I closed on an FHA mortgage for property XXXX XXXX XXXX XXXX, XXXX FL, XXXX with : Home Town Lenders : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Telephone : ( XXXX ) XXXX My first payment was due on XX/XX/2020 for the amount of {$1600.00} Status of first payment : Paid on XX/XX/2020 and posted by XXXX XXXX XXXX on XX/XX/2020 ( I have copies of the cashed check # XXXX from my banking institution ) Mortgage Transfer Update : I was notified via letter in the mail dated XX/XX/2020 but received in my mailbox on XX/XX/2020 that my mortgage was then sold to Equity Prime Mortgage. 
Equity Prime Mortgage : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, GA XXXX I have since had multiple contacts with both mortgage companies as neither company is able to reconcile my first mortgage payment. 
Dates of contact : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX I have written documentation with proof of cashed checks that I am up-to-date on my mortgage payments. Yet after emails and phone calls I am still not getting reconciliation and I was told I am only covered until XXXX under the mortgage protection act. 

Based on lack of response and reconciliation, I feel as if this mortgage transfer may be fraud related and I am worried about my home and credit status. I am asking you to get involved as time is sensitive and I have done absolutely everything on my part to reconcile this. According to Equity Prime I am a month and half delinquent which is not the case at all.

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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXX accessed my credit report without my consent. I filed disputes with XXXX  and Transunion to no avail. I have not lived in XXXX in over 7 years so there is no reason for this inquiry to be on my report for 2019. 

XXXX XXXX XXXX XXXX, IN 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 2020-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XX/XX/2020 I sent a letter ( certified ) to Merchant 's Credit Guide requesting verification of debt being reported on my credit report. In the letter, I also requested the agency to stop calling my phone and that all further communication should be only in writing. The certified letter was received ( with adult signature confirmation ) on XX/XX/2020. On XX/XX/2020 at XXXX XXXX, the collection agency called my number again and left a 3 minute voicemail. The number they called from is XXXX. This is the same number they have used in the past in their communication attempts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I had an FHA loan with XXXX XXXX. I went through a Loss Mitigation claim and won, and my loan was refinanced and recorded in the court in XX/XX/2019. That same month, the loan was acquired by Lakeview Loan Servicing. It has taken XXXX XXXX over 6 months to get my loan information over to Lakeview, and now Lakeview has taken 3 months to update my account. In the meantime, I have made every payment since XX/XX/2019 to Lakeview in accordance with the refinanced loan agreement. Lakeview has reported me to the credit bureau as delinquent which significantly dropped by credit. That domino effect caused by other credit accounts to drop my limit which again dropped my credit because it makes it seem like I'm utilizing more of my credit than I really was. Lakeview also misapplied all payments made since XXXX. No one can give me an answer, no one can give me a timeline of when it will all be fixed, I just keep having to pay for it and receiving daily phone calls from Lakeview saying I am delinquent on my loan. I call them every two weeks and never get a resolution. I am ready to speak with an attorney for these lenders ruining my credit and my life.

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 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is dragging their feet in processing my dispute with XXXX XXXX. I have spoken with my dispute specialist XXXX XXXX XXXX-3 times in a four month plus period about this particular dispute. I have not heard from her since XX/XX/XXXX when she was going to reach out to the merchant. Even with Covid-19 this time frame is unacceptable and I have no way to directly contact Ms. 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 2020-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has provided inaccurate information regarding a dispute, in essence not allowing it. I called in the day the fraudulent charge occurred and was lied to about the dispute process. When calling in the day before payment for amounts which would include the disputed amount was due, the bank informed documents were noted in my account and if the disputed amount is not paid, interest on it would apply. The bank stated I did not provide proper documents regarding the dispute which is not true. The retailer, Walmart, stated I would be contacted regarding the dispute and I was not. The retailer, Walmart, put in inventory a product that belongs online. Walmart charged more than the sticker price for it and did not inform it could not be returned  after charging me more than the price tag cost of it. I dispute the charge and am not being allowed a dispute of the charge in a manner protecting me from the charge or added charges in a way that is transparent or reasonable. No documents are seen on the web page of Capital One which was stated to me today I was responsible for reading. What the bank and retailer are doing is fraud. It is a fraudulent business practice to charge above a price tag on an item without explaining the charge would be added to the item, and it is fraud to not inform a customer both the charge on the price tag, an the added charge not explained was not returnable. No return policy was explained before the purchase, which Capital One states I was responsible for explaining to them while confusing me about allowing a dispute after the disputed purchase is paid, forcing interest on an item the bank has refused to dispute. No explanation that correspondence was requested to be online was provided when making the dispute on the day of the purchase ( XX/XX/XXXX ) was given while stating a letter would be mailed by XX/XX/XXXX if the item was not one a dispute for would be upheld. Walmart, once again, informed I would be contacted regarding the dispute yet did not contact me. These practices of each retailer seems designed to overcharge without reasonable recourse, hence the complaint I am presenting here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX . I have contacted the FTC and my local police and I am doing this on my own behalf. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have contacted the FTC and my local police and I am doing this on my own behalf. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, To whom it may concern : The following accounts below have been disputed with the major credit bureaus and the original creditors because the details attached to these accounts are incorrect and inconsistent between bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MORGAN STANLEY & CO. LLC
State: CO

Complaint narrative:
This complaint is related to, and an extension of, a previous complaint filed against XXXX XXXX ( CFPB complaint ID XXXX ). To summarize, I took out a construction loan from XXXX XXXX XXXX XXXX XXXX. XXXX stopped funding the loan prior to construction completion and filed foreclosure proceedings once the note matured. This note was apparently acquired by XXXX, XXXX, in Trust for Morgan Stanley XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX appears on the notice of foreclosure as the current holder of evidence of debt. I received no notice of the sale of the note. As best as I can tell, XXXX is working in concert with the XXXX fraudsters. It was my contention in the previous complaint that XXXX never had the funds to lend in the transaction or intentionally sabotaged the transaction to create a foreclosure opportunity ( which had now been picked up by XXXX ). 
___________________ In the course of the foreclosure process, FV has violated CRS 38-38-102.5 ( Colorado 's notice statute ) ; CRS 38-38-103.1 ( Colorado 's single point of contact statute ) ; and CRS 38-38-103.2 ( Colorado 's dual tracking statute ). 
XXXX XXXX, XXXX and Morgan Stanley XXXX XXXXXXXX XXXX, XXXX is/are no strangers to litigation concerning foreclosure actions. The SEC recently issued a Cease and Desist Order against Morgan Stanley based on various foreclosure shenanigans. It is believed that XXXX and Morgan Stanley or essentially the same organization. 
XXXX There is likely a prior working relationship between XXXX and XXXX to the point of suggesting complicity between the two organizations to defraud consumers through the foreclosure process. Both XXXX and XXXX should be required to turn over all records and communications between the two relative to this transaction.

Company response to consumer: Closed with explanation