vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 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:
XXXX XXXX XXXX claims that I owe them {$170.00} for an account that they bought from XXXX XXXX. I have written to both XXXX XXXX, XXXX XXXX asking for more information and they have not been able to provide anything except an address that has never been mine, and my social security number. Of which I am alarmed on how they obtained my personal information. 
We then called XXXX XXXX to discuss the letter they sent me saying that they wanted so much personal and private information that I felt had nothing related to this as was an attempt to further scam me. In that conversation, they were extremely nasty, swearing and threatening me when I told them this is not my account and I do not owe the debt. I then wrote another letter attesting and certifying that the account was not mine and I do not owe them, thus I will not be paying for something I do not owe with a sworn Affidavit as I feel they are attempting to extort money from me. My family said to just pay it to make it go away, but I disagree, I have found that this company does not stop and continue to extort money from people. 
I have provided extensive documentation to both XXXX and Transunion to certify and attest that this is not my account and I do not owe. But they continue coming back saying that the creditor has verified the account is valid. Will of course they will and the credit bureaus will not listen to me as XXXX XXXX is paying them to post this bogus account on my credit reports and they ignore everything I provide.

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 2021-02-24 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:
Please review what was removed from My XXXX XXXX report because of fraud and can you please update and remove the items from your bureaus. 

XXXX XXXX XXXX Account Removed From Report XXXX XXXX XXXX Account Removed From Report XXXX XXXX Account Removed From Report XXXX XXXX XXXX Account Removed From Report XXXX/XXXX Account Removed From Report XXXX XXXX XXXX Account Removed From Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent XXXX and Experian as well as XXXX multiple letters challenging these accounts on my account by XXXX ... There are 5 in total ... XXXX, XXXX, XXXX, XXXX, XXXX. XXXX could not validate these accounts and deleted them. Its my understanding that Experian should follow suite as they nor XXXX can validate these debts. This is a clear violation of my rights and i demand that they delete this off my credit report and never report it again.

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 2021-02-24 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
There are two unauthorized inquiries on my credit report. The credit report does not have a contact phone number for the companies requesting my credit report. I tried calling from phone numbers on line to find out who and why these two companies are inquiring on my credit, but was not able to speak to anyone about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
I used chime for less then a year and Ive been trying to get my money back and after 4 months of being sent in circles they finally told me last night after sitting on the phone for almost 3 hours that I cant get a refund.so I got in touch with somebody this morning and now all of a sudden its notes on my account and information that wasnt there 4 months ago. So now the lady is telling me that some suspicious activity has been going on with my account and thats why they closed it. But if thats the case they would of told me sooner and not just froze me up like that. I lost XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
1. Starting about XX/XX/XXXX Rushmore has commenced to calculate interest payment portion amount at a non daily siple imnterest loan ( XXXX ) contrary to Note Agreement. I have contacted servicer about this & they claim there using the amortization schedule instead to their advantage. This is their attempt to slow me down & continue to collect higher interest amounts. 
2. This mortgage is paid thru current next payment due date XX/XX/XXXX. 
3. Im attaching a letter from servicer stating the above as well a payment history showing starting XX/XX/XXXX how they are calculating interest at a NON daily simple interest ( XXXX ) method that is contrary to the Original Note Agreement dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank marked me as late in XXXX of 2020 when in reality I wasnt late. 
I made a payment at a local TD Branch, and due to an internal glitch in their system. Although the branch admited that the payment wasnt processed as per branch manager, TD credit card servies is refusing to take responsibility for what occured in the branch, and are continuing to report a 30 day lateness for the month of XXXX. This account wast late, and shouldnt reported as such. Please correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I wrote Convergent Outsourcing who are associated with XXXX regards to an a account in collections on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX asking for a debt Validation. On all 4 attempts they refused me of a debt Validation and Verified the debt. Debt validation and verification of debt are two different requests. As a consumer I am entitled to a validation. In all for of my letters I specify that I want a validation and not a verification. I wrote it in English words. Also they are reporting on my credit profile that day opened for the debt was XX/XX/XXXX which is not true account was opened XX/XX/XXXX of XXXX. The day opened should not go off when Convergent received the debt, date opened should go off when the actual debt was opened. That is called Re-Aging the debt. As a consumer I am entitled to validation which was not given by Convergent Outsourcing or XXXX on 4 different occasions. As a consumer I am entitled to factual & truthful information to report on my credit profile according to FCRA. The 45day day mark has come & gone for the company to validate the debt. Its XX/XX/XXXX and the company has yet to validate the debt since I first wrote them on XX/XX/XXXX. I have all the paper work Ive sent them and all the paper work they sent to me and the 2times they responded they responded with debt verification which is not a validation.

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 2021-02-24 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: CA

Complaint narrative:
XXXX XXXX, originated a loan in XXXX with me when they were not licensed under California Financing Law to lend in the state of California. They made false representation on the promissory note that were license to lend when in fact they were under a Desist and Refrain Order by the Commissioner of Business Oversight of the State of California. ( See enclosed Order. ) They were not properly licensed until XXXX. This company has had a history of predatory and deceitful practices including changing the company name several times, using non licensed agents for lending, and originating mortgages with a false NMLS number. The loan itself charged a criminal 116 % compound interest. I paid over {$17000.00} on a {$5400.00} loan and still owed over {$5400.00} according to their calculations. 
In addition to this, the company reports a false payment history. The only lates that should be reporting are the XXXX lates that caused the account to go in default. However, XXXX inserted false lates in XXXX ( see enclosed old & current reports comparison ) AND under agreement with a XXXX supervisor, the lates of XXXX were to be removed. I've attempted to resolve with XXXX and Experian to no avail for the last 2 years. 
I want the account removed from my credit report since they were not licensed to lend and practice predatory lending.

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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: CO

Complaint narrative:
IQ data On XX/XX/XXXX first call atempt was told I could not make a seetlement requested it in writing nothing sent Called early XX/XX/XXXX to seea bout the debt I did inquire about a settlement then was told to provide a card for payment I did to run at a later date. Call dropped. 

XX/XX/XXXX- called to cancel the payment as I have a right to was told I coukd not and was disrepected and was threatened with a phone call to my job about garnishment and that my kids were really going to suffer now. Was told about using my taxes to pay it off which was fine however he swore he knew i received my taxes already which he would not know, and even if I did he can not tell me how to delegate my finances. 

I understand if I get garnished however I don't deserve to XXXX forced into something I cant do at the moment as I presumed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 I received an email and a text message from the Best Buy account department regarding an attempted charge. I called Best Buy account department and inform them that was not me. They told me charges did not post. maybe 30 minutes later a second alert, I called this time the fraud department. I mention to them I am not making any charges. They said not to worry no charges were posted. I asked the representative to close my account. If they attempted twice they will attempt again. The representative said no need to close the account charges were not post. I told him, no close the account this is not a ca credit card that I use. I have only used this card at best buy nowhere else. The representative closed the account per my request. One month later I received a statement from Best buy with charges of {$950.00}. I called and made a fraud complaint. I was told the account was closed and the charges were never included. I reminded them that there representative mention to me the charges never post. The claim was open. I receveied a letter XXXX XXXX mailed onXX/XX/XXXX based on their investigation I am responsible for those charges because the card was used with the enable card reader. I told them I don't know how, if I have the credit card and I cut the credit card in XXXX when I closed the account.

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 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Centralized Business Solutions Company
State: OH

Complaint narrative:
I have my call log list as proof which unfortunately only dates back to XXXX of 2020 but for the last year i have been getting at least 2 or 3 calls from this number EVERY SINGLE DAY. They leave me repeated voice mails and non stop call during whatever hours they want. I have tried speaking with someone about not contacting me anymore but they insist i start paying money to them for medical bills from 5 or so years ago while I was going through a lot of health issues i obviously could not afford to have. Like I said I have call logs as proof and I have tried blocking this number but my phone will still alert me every time they call. I am honestly so tried of it at this point, it is non stop and I have tried everything I can to make the calls stop. It is definitely starting to feel like harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: MS

Complaint narrative:
I recently have been taking steps to build my credit with XXXX XXXX. I was informed of 3 or 4 accounts opened in my name beginning in 2017. I did not do this. I disputed the information and the companies still say the information is correct. I have 2 people in mind that I know could have done this. I have included the copies of the XXXX  report. All accounts except for the XXXX account is fraudulent. If you look at the dates these were all opened very close to each other. I dont know of any other way to prove it wasnt me. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank has repeatedly been sending us erroneous statements, far too early in the month for our on-time payments to be recognized, with threats about late fees being due and the amount being due being doubled, simply because they printed and mailed the statement less th an two days after the previous payment 's due date. This is moronic and likely intentional, to see just who sends them more money, believing that US Bank never received the previous, on-time payment. We have called US Bank about this *and* we even previously filed a CFPB complaint, # XXXX, about this topic. They finally agreed to generate our statements on the XXXX of the month instead of the XXXX, so that this issue would not recur. They did this for just ONE statement, before now reverting back to sending the statements on the 3rd again, with the same issue - a past due balance, double our monthly payment, ignoring our previous payment, with late fees rolled in! 

Best case scenario, US Bank continues to show their flagrant ineptitude and incompetence in mortgage servicing by not being able to stick to their own commitments in generating accurate statements. Worst case scenario, US Bank is both lying to us *and* the CFPB, which should be a federal offense. 

I encourage the CFPB to review our previous case, XXXX, see that US Bank agreed to move our statement date, and then take appropriate action as it is abundantly clear that US Bank merely says one thing to placate the CFPB and the consumer, and then immediately goes back on their word. This should result in prosecution of the respondent to our previous complaint.

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 2021-02-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: KS

Complaint narrative:
At the end of XX/XX/2020 I turned my leased Ford car in at XXXX XXXX XXXX in XXXX KS. I received a confirmation letter that the car was turned in when I turned it in. There is no dispute about the car being turned in or when it was turned in. Ford agrees I turned it in at the end of XX/XX/2020 when the lease was up. 
The issue : I had overpaid on my registration for the vehicle due to paying for registration for one year and turning the car in before the year was up and was due a refund by the state of KS. I went in XX/XX/2020 to get the refund and was told that the car was still registered to me. The car was not taken out of my name until XX/XX/2020 when Ford re-sold the car and the state of KS was not notified of this until XX/XX/2020. Per the state of KS it is now too late for me to get a refund due to Fords negligence and conduct in this situation. I want Ford to pay the amount of the registration refund due to this and I have concerns about a car being in my name for months when I did not own it or have insurance on the vehicle. Ford is not owning up to their conduct issues or agreeing to pay a refund. Please assist and more information and documentation can be provided upon request. It was advised I not put it in here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX I noticed a {$1000.00} withdraw on my Bank Of America XXXX unemployment debit card. The withdraw was made by " State of CA XXXX unemploym ''. I contacted XXXX who stated this was a a problem with the bank who owns the XXXX card ( Bank Of America ). I contacted Bank Of America and the police to report the fraud. Bank of America had me file a claim ( claim # XXXX ), deactivated my card and issued me a new one, and temporarily returned the {$1000.00} to my account. On XX/XX/2020 I received a letter from Bank Of America stating the claim had been closed bc the account or the claim have been subject of fraud or suspicious activity. On XX/XX/2020 they took back the {$1000.00} they had temporarily returned. I have tried to call Bank Of America numerous times to understand how and why they reached this conclusion. Each time the hold times are insanely long ( 1-3 hours ) and upon getting transferred to an agent I am either disconnected, transferred to the wrong department, or told I would be called back. I have not been called back and no one from Bank Of America has been able to assist me in understanding why {$1000.00} was taken out of my account and how Bank Of America is deeming this " suspicious '' activity. These are unemployment benefits that I need during this time. I do not know what else to do to get this addressed. On XX/XX/2020 I submitted a claim on this site ( complaint ID : XXXX ) the company sent me various letters saying they were working on the case and needed more time but I never heard anything back.

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 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I had a credit balance from overpayments. Chase can not find the money and can not find notices they sent me from latest of XX/XX/2020. Total is around {$2000.00}. Their customer service said only option is writing to their correspondence department and can not give any time on a possible reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
The issue is that the XXXX and I have requested over and over the payment history for the yearXX/XX/XXXXand they do not deliver the required documentation so that the gap company can pay, in the mean time they keep hitting me with late fees and calling me sometimes 2 to 3 times a day. They have also reported me to the credit bureau.

Company response to consumer: Closed with explanation