vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 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: MI

Complaint narrative:
Hello Today I called Transunion Fraud Department, and I was told by XXXX XXXX that they could not use my Law Enforcement Report, and the only thing that they could do was dispute it again. I have also reached out to XXXX  and XXXX whom have also involved me in another security breach I can't believe that after I have tried over 30 days to remove fraud off of my account they still refuse to help me. I have taken all the proper measures to get this resolved

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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
We have attempted to modify my mortgage that was serviced originally by XXXX XXXX and most recently with XXXX XXXX. I have called XXXX to help us with our modification to keep our home. We provided all the documents that were requested. On XX/XX/2019 we received a letter from XXXX XXXX thanking us for submitting a request to be considered for our loss mitigation programs. They state they were submitting our application to underwriting. We do not need to submit more information at this time. If they need more information they will send a written notice of the additional requirements. They will contact us within 30 days. However on XX/XX/2019 we have received Late Payment notices with late charges as if we are not working with the lender. The delinquency notice states that they have made the first filing or notice to commence foreclosure of this loan account. 
We received a letter from XXXX XXXX  on XX/XX/2019 regarding : Loss Mitigation Review and the Loan Modification was Denied. 
The letter states the reason not eligible for forbearance or a loan modification agreement because : I did not submit sufficient information for them to review the application before the deadline and to see previous letter that was sent to me. What I received I did send to XXXX and they said they forward everything they asked for to XXXX  XXXX. 
We are not eligible for a Short Sale or Short Pay resolution because they have concluded the property value upon sale should be enough to pay the outstanding loan balance in full. 
I would like my information reconsidered for better options to keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My complaint is against TD Bank/XXXX  account # XXXX. On XX/XX/XXXX I went to XXXX web page to by a phone. The phone had a cost of {$1600.00}, on the portal there were different options how to pay your phone ( finance, upfront, etc ), so I decided to finance it. Payment went through, everything approved. Some days later I received the phone without any type of agreement which I saw rare that the did not send it. 2 months later a received a call from x collection on behalf of TD Bank and to be honest I didnt even knew that bank even existed. So I immediately contact XXXX and maid payment in full of {$1800.00} on XX/XX/XXXX. So I de decided to call them both TD bank and XXXX. In TD bank they ask my SSS and the account number and the agent told me that I didnt even had an account with them. This call was made on XX/XX/2019TD bank should have that call recorded. So then I decided to call XXXX to get some kind of explanation of whats going on. In XXXX they told me that what happen is that they never received a payment from me until the XX/XX/XXXX for the amount of {$1800.00} and me thinking it was in automatic payments and everything was ok. Now the phone carrier did have my correct address because I received the phone but I was told by XXXX that statements were return to them therefore I NEVER received any type of statements from TD Bank or XXXX or any late payment insertion required by FCRA . This is unfair business practice, negligence, breach of contract and the list of violations can go on. I dont want to take this case to court, that is why Im using this source to fix this issue. I just want for whoever is responsible of this error to fix it as soon as possible. I want a deletion letter from TD Bank as soon as possible. I have a {$700000.00} mortgage loan pending because of this mistake and if I have to take this case to court, believe me I will. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I bought a new car supposily, but when I took it to the get the insurance for it they refused to cover my car because the car was damaged by hail, after that i have to retuned it to the agency. I just have the car for 2 months and they want me to paid them the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX  XXXX XXXX # XXXX is reporting a late that I should not have. I have had this account for a very long time and have never been late. This late was only caused by them posting my payment wrong. This is not my fault it is their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late that I should not have. I have had this account for a very long time and have never been late. This late was only caused by them posting my payment wrong. This is not my fault it is their error.

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 2019-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late that I should not have. I have had this account for a very long time and have never been late. This late was only caused by them posting my payment wrong. This is not my fault it is their error.

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 2019-08-01 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: NJ

Complaint narrative:
Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX  XXXX  XX/XX/2018XXXX  XX/XX/2018XXXX XXXX XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX my husband received a student loan from New York XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX the amount was {$2500.00}, now with interest the balance is {$14000.00} through Nelnet.. 
My husband NEVER had the ability to benefit. He was kicked out of school at age XXXX with a XXXX grade average. 
I have supplied school records, discharge request to XXXX twice already. The only response they return to us is that if this was only be considered if it happened after XX/XX/XXXX. 
My husband is illiterate does not understand reading, writing, math etc. 
To me this is a predatory loan at it's worst.. 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had a very difficult time with Wells Fargo. I have tried and tried to save my home through a modification program. I did receive a modification program earlier. I tried to make my 3rd trial payment at the Wells Fargo bank and the teller would not take the payment. This caused me to go back into foreclosure. Over the past 6 months I have been trying to resolve this problem. I did not receive much help from the reps at Wells Fargo. Every time I sent my paper work in, they would lose it and I would have to resend. I would like to avoid a foreclosure.

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 2019-08-01 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: MI

Complaint narrative:
Hello Today I called XXXX  Fraud Department, and I was told by XXXX XXXX that they could not use my Law Enforcement Report, and the only thing that they could do was dispute it again. I have also reached out to Experian and XXXX  whom have also involved me in another security breach I can't believe that after I have tried over 30 days to remove fraud off of my account they still refuse to help me. I have taken all the proper measures to get this resolved

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 2019-08-01 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: Credit Karma, LLC
State: OH

Complaint narrative:
security breaches since XX/XX/XXXX It's not safe to use these passwords Stop using them ASAP especially for accounts that have sensitive info ( like your banking app or email ).

Exposed password XXXX Exposed password XXXX   Exposed password XXXX Exposed password XXXX 20 data breaches Review the breach details to see what happened and what you should do about it now.

XXXX Reported XX/XX/XXXX Verifications.io Reported XX/XX/XXXX Collection # 4 Combo List Reported XX/XX/XXXX XXXX Antipublic Combo List Reported XX/XX/XXXX Collection # 2 Combo List Reported XX/XX/XXXX Collection # 1 Combo List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX Combolist of XXXX XXXX Credentials Reported XX/XX/XXXX Exploit.in Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Email Data List ( Email List ) Reported XX/XX/XXXX XXXX XXXX XXXX   Spam List Reported XX/XX/XXXX Anti-Public Combo list Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX ReportedXX/XX/XXXX XXXX Reported XX/XX/XXXX  Not Disclosed Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX  XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: PR

Complaint narrative:
On XX/XX/2019 I sent a certificate letter to Transunion ( XXXX ) regarding that is currently an inaccurate item being reported on my credit report from XXXX XXXX XXXX XXXX XXXX. I have contacted this company at the address listed on my credit report here. As you can see .I have enclosed a photocopy of my mail being returned from the post office due to an invalid address .Given that the furnisher has provided false information to Transunion about me .and provided to Transunion false address .Despite the proof that I sent to Trasnunion did not want to delete the account that is wrongly reported.

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 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XXXX XXXX,XXXX XXXX , XXXX XXXX  . 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.

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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
The Specialized loan Servicing, LLC ( " SLS '' ) took over my loan in XX/XX/XXXX and immediately began adding a unexplained {$15.00} " fee '' to my monthly payment. I ignored the unexplained fee and kept paying the amount due absent the fee. Subsequently, SLS added more fees and put me in default for not paying the fee. The last letter from them dated XX/XX/XXXX says " Notice of Default '' and " Intent to Foreclose '' although I am not even 3 months behind according to them. 

The worse part is it is not possible to get anyone on the phone to determine how much they are saying is due and what the fees are for. All you get is an option to " speak to a representative for a fee ''?!?!? 

This looks to me like another attempt to nit pick me into default and steal my equity. I had similar problems with XXXX XXXX, XXXX and now this SLS all on the same loan which each has took a turn trying to cheat me. I think when each sees I am not going to be an easy target they sell the loan to the next " shark. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
While applying for a refinance loan, I was informed that my loan was modified to a 40 year loan.  I know that I would not have ever modified my loan to a 40 year term.  I contacted my loan company XXXX  XXXX  XXXX and they informed me that it was not modified through them it was with the prior company Bank of America.  XXXX XXXX   XXXX gave me what they have regarding the loan modification and it was one page (see attached).  I contacted Bank of America about two weeks ago and they said that they would submit a request to send me a copy of the loan modification.  I have not received any copies at this time.

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 2019-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I called Cash app, on XX/XX/2019, to discussed the dispute. I explained, my error, I tapped the wrong person name and the money was send. I called my bank, the money was credited back to my account, until they could investigated the matter. 

On XX/XX/2019, I received notification, the money had been withdrawn and returned back to the same person. 

XX/XX/2019, Cash App 's has several phone numbers listed, on the internet. I called Cash App spoke with a male named XXXX XXXX, a representative of Cash app. Mr. XXXX stated, he could see my account and repeated the last 4 digits of the account number. He commented, " I can see you have never filed a claim with our company, before and I will refund your money '' In fact, I will deposited {$250.00} for this inconvenient. He said, " I need your bank card number '' I explained, the bank card has been closed '' Mr. XXXX next question, " How far are you from XXXX? I said, about 30 minutes. Mr. XXXX instructed me to go to XXXX and purchase a gift card for {$250.00}. Once, I have purchased the card, call him back with the numbers from the back of the card, so that he could deposited the money onto the gift card and I then could placed the money back into my account. I then realized it was a scam. The person, who I send the money never contacted the bank stating, they was owed any money. Cash App took advantage of the error and kept the money. 

After I learned is was scam, I call the XXXX  XXXX XXXX ( XXXX.XXXX.XXXX. ), to report the incident and learned Cash App does not have a phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ASTA FUNDING INC.
State: MO

Complaint narrative:
Received a default judgement served to my then XXXX year old daughter. The company is Palisades Collection LLC. Its dated XXXX. No one signed for it. Weve had bank account garnished as well as wages. After receiving payment, this company filed for funds four more times with all different amounts. Each have file stamped XXXX and the judgement dates are Filed XX/XX/XXXX Garnish issued XXXX Amount {$1900.00} File XX/XX/XXXX Garn XX/XX/XXXX Paid {$3600.00} File XX/XX/XXXX Garn XX/XX/XXXX Paid XXXX File XX/XX/XXXX Paid {$2000.00} File XX/XX/XXXX Paid {$470.00} XXXX/XXXX/XXXX We are not able to find out who is behind each one of these suits. This is totally frustrating!!! The last action in XX/XX/XXXX, they froze and garnished our entire bank account and as a result, our home is in foreclosure. 
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 2019-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I was sold scam tickets to XXXX XXXX XXXX XXXX XXXX. Seller claimed to have tickets and convinced me to use PayPals friends and family setting so I couldnt revoke payment after processing. He had no such tickets. I have screenshots of our interaction that I can provide I tried making a claim with PayPal but was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I'm a business owner. I deposited a check of {$75000.00} some time in XX/XX/2019, in my Business Checking Account at the BB & T, XXXX, Georgia branch. I made a withdrawal of {$30000.00}. Later on, when I went there for another withdrawal, I found out that both my account and debit card were blocked for no reason I aware of. 

I have been requesting for that money for four [ 4 ] months now. Still I cant get access to my account. When I go to any branch, they refer me to the fraud department and when I contact the fraud department, they too ask me to go to the any branch, and that the fraud department does not have any problem with my account. I did this for more than six times and still my account is active but no way to get money out of it. 

Please, I need your assistance as this matter has created a big problem in business.

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 2019-08-01 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: FL

Complaint narrative:
I don't recognize this accounts, i never applied for it, i don't have any contract with this companies. I was victim of Identity Theft, somebody used my personal information and applied for cards and loans on 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 2019-08-01 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: FL

Complaint narrative:
I don't recognize this accounts, i never applied for it, i don't have any contract with this companies. I was victim of Identity Theft, somebody used my personal information and applied for cards and loans on my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
On XX/XX/19 I reported suspected fraud on my account to Bank of America. BoA then locked down my account and said the only way for me to use it was to travel over 100 miles to their office out of state. I requested that the annual fee I paid be returned to me because they are not allowing me to use the card. They declined to return the fee, so I am escalating the issue to have it returned.

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 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: OH

Complaint narrative:
I have numerous amounts on my credit report some for over {$700.00} and one for over {$1000.00} as well as some under {$100.00} I have called the hospital where they claim I owe and I have a {$0.00} balance and they dont know why Im getting charged when I have Medicaid and they were supposed to cover it! I havent received any bills either the only why I know about them is when they show up on my credit report

Company response to consumer: Closed with explanation