vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am the owner and operator of a former business, XXXX XXXX XXXX, and we have our bank account with TD Bank. Due to COVID-19, the business has been closed. As a result, I have made multiple requests to TD Bank to close our bank account and have the remaning funds returned to me ( my investment, and I opened the account originally ). They informed me that I must come to a branch in person to close the account, which I am unable to do due to health reasons and concerns around COVID-19. TD Bank 's customer service has continually refused to close my account, demanding that I come into a branch. There is a global pandemic happening, and certain people are at a high-risk. The XXXX has specifically recommended that high-risk individuals avoid public areas/gatherings, and TD Bank has refused to accommodate this. I have contacted the local news stations as well, including XXXX and XXXX XXXX, to broaden the story of TD Bank 's refusal to close bank accounts and making it extremely difficult to retrieve your funds. I am actively in discussions with reporters on this story and they are performing further due diligence. During a global pandemic, TD Bank 's behavior is borderline criminal and should be investigated by the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CO

Complaint narrative:
This complaint is about US Bank 's external money transfer fee of {$3.00} for any money sent out of one 's checking account to another bank. While I can understand they might charge the fee if initiated on their own platform since they need to create the systems to do such transfers ( even though other banks do not charge fees for either internal or external transfers ), after all it's their choice if they want to have a policy that puts them at a competitive disadvantage to other banks. However, they charge the fee even if the transfer is initiated at any other bank! This seems like they are holding my money hostage and charging an unfair fee since they aren't doing anything at all but releasing the money as they are legally required to. They don't charge fees for debit card charges, checks written to myself at another bank, etc., so why should they be able to take {$3.00} from my account if I ask my other bank to drag some money over? This seems like yet another example of banks nickel and diming users, likely without their knowledge before the fact ( I had to call the bank to find out they do this, and even then the banker I spoke with was unaware of this practice until confirmed elsewhere while I was on hold ), in order to boost their bottom lines. It's angering, frustrating, and further creates distrust between customers and the bank. I've asked US Bank for justification of this policy but have yet to get a response.

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 2020-10-15 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:
THE ACCOUNTS AND INQUIRY LISTED DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE AND THEY WERE NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVE THE ACCOUNTS AND INQUIRY OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-10-15 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:
THE ACCOUNTS AND INQUIRY LISTED DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE AND THEY WERE NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVE THE ACCOUNTS AND INQUIRY OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  # XXXX In XX/XX/2020, XXXX mortgage, without prior notice, increased my mortgage payment by {$300.00}. When I inquired why, and informed them that a {$300.00} increase, without notice would throw me into a foreclosure situation, They provided no explanation, other than my escrow balance was short by thousands of dollars. I called the escrow department in a desperate attempt to obtain answers, and was transferred to XXXX XXXX in late XXXX, after I acquiesced and scraped together the difference to avoid a late payment fee {$1700.00} ( old payment was {$1400.00} ). Mr. XXXX was courteous and professional and asked me to send proof that my RE tax bill had actually decreased due to my first time FL Homestead application. I sent it to him, and he returned my calls and emails after 2 weeks. He said that he was still working on my issue, but failed to give me an update after another week of waiting. I called today and spoke to XXXX and XXXX ( Supervisor ). XXXX was rude, condescending and unhelpful. She could not tell me why there was a deficit in my escrow account of {$2400.00}, even after my tax bill was reduced by $ XXXX- {$800.00}. I called back and spoke to XXXX and received some encouraging news, but was still forced to pay $ XXXX. XXXX promised that they would perform a new escrow analysis but couldn't tell me when the results would be ready. 

During this very stressful time and in the middle of a life altering pandemic, Shellpoint Mortgage have showed no compassion, leadership or kindness. {$300.00} more per month, without notice could force me into foreclosure. It would appear that the shortfall was their negligence My tax bill is less and my mortgage payment is higher. I contacted my insurance broker and the premiums have not gone up substantially. I need help navigating through this financial calamity. Shellpoint Mortgage have provided no assistance. I would think that consumers would be protected from opportunistic predators like Shellpoint Mortgage. I'm hoping that this agency can assist. 

Thank you, XXXX 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 2020-10-15 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:
RE : Inability to receive issued Credit on my visa credit card for 2 air travel tickets XXXX and XXXX, credit card # ending in XXXX XXXX XXXX XXXX and XXXX XXXX   XXXX XX/XX/XXXX I filed disputes with my Visa credit card for 2 airline tickets of {$170.00} each, against the travel agency/XXXX XXXX for not refunding my tickets. One of the charges was reversed XX/XX/XXXX, the second charge remained I contacted the travel agency and was told that I need remove the dispute in order for vender to issue a credit for both tickets. 
XX/XX/XXXX I removed the dispute XXXX 2 charges appeared back on my credit card. 

Since then I and the vender have been dealing with my credit card in order to help me credit back my account, but have been unsuccessful due to lack of cooperation from my credit card. 

I have a copy of XXXX- Refund exchange notice, dated XX/XX/XXXX, which indicates a refund for {$170.00} which was never issued as a credit on my credit card. 
On XX/XX/XXXX I received a letter from my bank that {$170.00} charge was reversed, but my account was never credited. 

Despite my multiple attempts, the credit card is not cooperating to resolve my issue. 

This information was provided to me by the vendor ( XXXX XXXX XXXX XXXX  ) Here 's the timeline of the chargebacks sent to XXXX polish by my bank : XX/XX/XXXX chargeback received XX/XX/XXXX chargeback reversed, credit for XXXX  XX/XX/XXXX - pre arbitration received XX/XX/XXXX pre arb accepted by XXXX  as a full refund for ticket, debit posted. 
CASE CLOSED in ccholder favor. 

As far as the airline is concerned : one ticket resulted in dispute in my favor and the 2nd ticket they refunded, but I did not receive credit amount on my credit card statement for either ticket.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: IL

Complaint narrative:
The Fair Credit Reporting Act states : Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

- I opened a Discover Card account in XX/XX/XXXX - The account went to charge off status in XXXX - I paid the charge off amount, I'm uncertain of the date - The negative account 's age is beyond 7 years and thus should be removed, especially considering that there's no money owed - I disputed the account, and it was deleted in XXXX of XXXX - 3 months later, the account reporting re-appeared - I disputed the account again, Discover or XXXX  is refusing to remove it - The account is removed from XXXX  and XXXX, it only reports negatively to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Fair Credit Reporting Act states : Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

- I opened a XXXX XXXX  account in XX/XX/XXXX - The account went to charge off status in XXXX - I paid the charge off amount, I'm uncertain of the date - The negative account 's age is beyond 7 years and thus should be removed, especially considering that there's no money owed - I disputed the account, and it was deleted in XXXX of XXXX - 3 months later, the account reporting re-appeared - I disputed the account again, XXXX  or Experian  is refusing to remove it - The account is removed from XXXX  and XXXX, it only reports negatively to Experian

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 2020-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX card is showing that I was 30 days late but that is inaccurate. I was 18 days late and 10 days late the other time both are under 30 days and are being reported inaccurately.

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 2020-10-15 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: CA

Complaint narrative:
XXXX card is showing that I was 30 days late but that is inaccurate. I was 18 days late and 10 days late the other time both are under 30 days and are being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment marked on my credit for last month. I just bought the motorcycle and this can not be happening. 


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 check 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC
State: NJ

Complaint narrative:
Received unsolicited text message on XX/XX/2020 claiming a balance owed of {$75.00} to XXXX XXXX. The agency reference number is XXXX, I dispute the validity of this debt due to the fact that I filed for Chapter XXXX bankruptcy. This is clearly evident on all of my credit reports with the major credit reporting repositories.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Some time ago I had gone to the hospital for emergency XXXX XXXX. I went to an in network ER and paid all out of pocket expenses that I my insurance did not cover, such as deductables and co-pays. I paid over {$8000.00} but after all was paid I received an alert on my credit report for a medical debt that I was NEVER BILLED FOR. It was in the amount o {$250.00} with a collection agency call AR XXXX XXXX. I contacted them and paid this in full as soon as I was made aware of the debt. This should not be on my credit report. How can I pay for something that I was never notified about?? I want XXXX and XXXX to delete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CA

Complaint narrative:
On XX/XX/2020 I contacted all three credit bureaus in regards to false and fraudulent information being reported on my credit reports. 

It is XX/XX/2020 and I have yet to receive a response or see updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CA

Complaint narrative:
On XX/XX/2020 I contacted all three credit bureaus in regards to false and fraudulent information being reported on my credit reports. 

It is XX/XX/2020 and I have yet to receive a response or see updated information.

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 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XX/XX/XXXX and XX/XX/XXXX for code of ethics violations.

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 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: NY

Complaint narrative:
harvard collections claims i owe them {$2400.00}. i do not owe them any money at all. this is inaccurate and its is very unfair becuase it is damaging my credit report with wrong information. it is creating an issue for me to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit report shows inaccurate information. An account on my credit report has been re-aged XXXX XXXX XXXX XXXX  XXXX which is a very serious violation. I have a proof showing that. I have sent a letter to the credit bureaus to notify them but they did not reply to me, it has now been more than XXXX XXXX XXXX XXXX days and the inaccurate information is still on my report. I have the USPS return receipt showing that credit bureaus received my letter almost 2 months ago and they have still not replied to me. In addition of being re-aged the XXXX XXXX XXXX  account shows a lot of inaccuracies such as incorrect payment history, incorrect high balance, incorrect credit limit

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