vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
My credit rating went from XXXX to XXXX. Upon requesting a copy of my credit report, I discovered 7 accounts on my report that I did not open and was unaware of. Six ( 6 ) of which were opened within a 3-month period in XXXX between XXXX and XXXX An adult relative received promotional pre-approved offerings via email and postal, and in each instance the offer was personally addressed to them. The recipient applied for the offers based on an acceptance code in several instances, providing their personal info, not knowing or expecting any connection to my credit report or SS #. 

XX/XX/XXXX - My low interest rate credit card was cancelled due to my credit report. I requested copies of my credit report from credit reporting agencies and found 7 accounts that I did not open or request. 


XX/XX/XXXX - After receiving and reviewing my credit reports, I contacted Experian by phone to dispute accounts and explained what I believe transpired. 

XX/XX/XXXX - XXXX completed dispute XXXX  XXXX was removed from my report {$1000.00} XXXX  XXXX removed from my report -- they were also contacted directly by me prior to contacting XXXX  {$6800.00} XXXX/XXXX  XXXX - they said they reported accurately {$1000.00} XXXX/XXXX  XXXX - they said they reported accurately {$540.00} XXXX/XXXX  XXXX  - Closed but referred to collections so I initiated new dispute against the collection agency XX/XX/XXXX {$800.00} TD Bank US Target -  Initiated another dispute XX/XX/XXXX {$510.00} XXXX/XXXX  Retail - This was previously closed for inactivity and no late payment activity, but not removed from my credit report. {$0.00} ( I also called XXXX XX/XX/XXXX but was not able to get it resolved and removed from my credit report since it technically isn't in my name, but the relative 's name! ) XX/XX/XXXX XXXX/XXXX  -- I contacted them to explain the discrepancy and to ask them to remove from my report, but although they have my Soc Sec # tied to the account, they won't talk to me because it's not in my name. They will not tell me ( or may not know ) how my name got tied to the account and who was the database source of the promotional offering that they solicited the relative with. 

XX/XX/XXXX - Attempted to remove the relative 's name, addresses and phone # 's from my credit report under " known as '' or " other addresses '' or " other phone # 's '' but apparently I can't do that either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On the XXXX day of XX/XX/2020, I received a notification on my credit score tracker that I was in debt with a company that Ive never heard of. Ive never received a letter, phone call, or any other method of this debt collector company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Ally Investments put a 60 day hold on my money, they will not issue me a check or transfer my money into my checking or money market acct. 
I have been trying to talk to someone via phone for the last 5 business days but I am on hold for more than 2hrs without being connected to a human. 

The number I have to call is XXXX. 

This is preventing me from buying food and paying bills for my family. 

Help

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 2020-03-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2020 I attempted to open a new CD at Marcus by Goldman Sachs. They took all my personal data including my SS # then after putting me on hold a couple times they came back and informed me they could not verify my identity and refused to let me open the CD end of discussion. I can't believe that they could not verify my identity. When I asked questions and offered to help fix the problem they weren't interested. I became very suspicious and worried that they were only fishing for personal information. I am retired and it could be very devastating if my info got into the wrong hands. 

After worrying a few days I called them back and asked them to delete my info from their data base. They said they couldn't do it. I asked WHY but they had no answer. I tried to explain that there was no possible legitimate reason why they needed to keep my info. Data bases are being hacked every day. 

I then did some research on the internet and found that this bank had been the target of ethics complaints involving data gathering by some of the high executive officers. 

I need you to convince this bank to delete my data completely and if possible reassure me that I have nothing to worry about concerning this incident. 

Very worried XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an aged XXXX  account listed that should be removed, due to the statue of limitation. I am asking that it be removed due to it being 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: FL

Complaint narrative:
There is an aged XXXX  account listed that should be removed, due to the statue of limitation. I am asking that it be removed due to it being 7 years old.

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 2020-03-17 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: IA

Complaint narrative:
To whom it may concern May I please request your guidance and help in a very serious matter. I have acted most appropriately in trying to rectify this grave matter to no avail. I seem to be caught between two companies ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, of whom neither will help correct my dire situation. My home mortgage was bought by XXXX XXXX XXXX in XXXX. I appropriately each month would telephone in my payment on time. Upon doing so last XX/XX/XXXX, I was recommended by an agent representing the company to set-up an ACH withdrawal with my personal banking institution ; XXXX XXXX XXXX XXXX. I personally went into the local branch where my account was opened and telephoned XXXX XXXX XXXX. This event took place on XX/XX/XXXX.at XXXX : XXXX. The bank teller representing the XXXX XXXX XXXX XXXX verbally argued with the telephone representative for XXXX XXXX XXXX, regarding the confirmation of the bank routing number. The XXXX XXXX XXXX XXXX teller demanded she was right and so the representative from XXXX XXXX XXXX acquiesced and the ACH withdrawal was set upon the information given by the banking institution. Come to the withdrawal, it was never attempted as a debit against the checking account. There clearly was no attempt to post. XXXX XXXX XXXX considered the account to be 30 days late. Upon doing so, the XXXX ACH was never attempted by XXXX, therefore reporting a 60-days late notice to all three credit reporting bureaus. I immediately went to the XXXX XXXX XXXX XXXX as well as started calling XXXX XXXX XXXX. Neither company would help me once so ever. To rectify the matter, I sent cashiers checks in the overnight mail to XXXX with letters requesting their help. I was denied. To date, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to XXXX XXXX XXXX have been reported as late. Finally, there was a supervisor representing XXXX XXXX ( XXXX - XXXX ) that pulled the audio transmission between myself and the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that clearly tells the trail of errors. The routing number was not correct, as the XXXX XXXX XXXX XXXX had demanded. Even though XXXX XXXX has solid proof on tape, that I am not at fault and that my payment has been made, they are not willing to correct my credit report to all three reporting agencies. Nor is the XXXX XXXX XXXX XXXX, willing to admit their inhouse error. Please I ask for your assistance in this matter. I am an elder, a law-abiding citizen and I should not have to bear this devastating consequence on my credit. It is humiliating to me and has ruined reputation. Most sincerely yours

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 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
To whom it may concern May I please request your guidance and help in a very serious matter. I have acted most appropriately in trying to rectify this grave matter to no avail. I seem to be caught between two companies ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, of whom neither will help correct my dire situation. My home mortgage was bought by XXXX XXXX XXXX in XXXX. I appropriately each month would telephone in my payment on time. Upon doing so last XX/XX/XXXX, I was recommended by an agent representing the company to set-up an ACH withdrawal with my personal banking institution ; XXXX XXXX XXXX XXXX. I personally went into the local branch where my account was opened and telephoned XXXX XXXX XXXX. This event took place on XX/XX/XXXX.at XXXX : XXXX. The bank teller representing the XXXX XXXX XXXX XXXX verbally argued with the telephone representative for XXXX XXXX XXXX, regarding the confirmation of the bank routing number. The XXXX XXXX XXXX XXXX teller demanded she was right and so the representative from XXXX XXXX XXXX acquiesced and the ACH withdrawal was set upon the information given by the banking institution. Come to the withdrawal, it was never attempted as a debit against the checking account. There clearly was no attempt to post. XXXX XXXX XXXX considered the account to be 30 days late. Upon doing so, the XXXX ACH was never attempted by XXXX, therefore reporting a 60-days late notice to all three credit reporting bureaus. I immediately went to the XXXX XXXX XXXX XXXX as well as started calling XXXX XXXX XXXX. Neither company would help me once so ever. To rectify the matter, I sent cashiers checks in the overnight mail to XXXX with letters requesting their help. I was denied. To date, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to XXXX XXXX XXXX have been reported as late. Finally, there was a supervisor representing XXXX XXXX ( XXXX - XXXX ) that pulled the audio transmission between myself and the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that clearly tells the trail of errors. The routing number was not correct, as the XXXX XXXX XXXX XXXX had demanded. Even though XXXX XXXX has solid proof on tape, that I am not at fault and that my payment has been made, they are not willing to correct my credit report to all three reporting agencies. Nor is the XXXX XXXX XXXX XXXX, willing to admit their inhouse error. Please I ask for your assistance in this matter. I am an elder, a law-abiding citizen and I should not have to bear this devastating consequence on my credit. It is humiliating to me and has ruined reputation. Most sincerely yours

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One is stating that I have a write off account from XXXX. To date I have never received any bills or letters from Capital One. I had an installment loan with Capital One 60 month installment loan with Capital One in XXXX. Upon making my what I thought was a final payment there was still a remaining balance. I questioned this balance and Capital One sent me all of my statements. During this process, Capital One advised that I did not need to make a payment since I was disputing and it would take several weeks to provide the statements. I received my statements in XXXX of XXXX. I contacted Capital One in XXXX and the representative could not understand as well. I paid the final payment over the phone {$830.00}. At this time because I did not have any other options and did not want my credit to be impacted I assumed this had been resolved, Upon checking my credit report years later I discovered a late payment on my credit report from XXXX. I disputed this with XXXX  and as a result of my dispute late payments started being reported in XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX. I reached out to Capital One who started I did not pay my final payment in XXXX. I do not have any billing statements to support this from Capital One and this does not explain why they are reporting late payments when I have not received a bill. Capital One is ignoring my request and violating my rights as a consumer to have an accurate credit report. 

I have attached copy of bank statement which shows Capital One agent processed payment was withdrawn from my account on XX/XX/XXXX I have also posted a document which shows m payments were auto withdrawn. I have also posted response to my inquiry to capital one about the late payment in XXXX. I have also attached a letter from Capital One which references late payment in XXXX but does not mention any write off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: IA

Complaint narrative:
To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. A company named : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX   XXXX XXXX. I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. Most sincerely ~

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 2020-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Repetitive collection practices against me and on my credit reports, with XXXX, XXXX  and XXXX. 
every time i dispute the accuracy of the account, the collection companies file a new collection account action against me under a different name, with the same amount owed. this has resulted in my credit score going from XXXX in XX/XX/2020 to XXXX XX/XX/2020. 
I pay all my monthly bills and credit cards, utilities and phone bills. 
I'am service connected XXXX  XXXX XXXX Veteran 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 2020-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Sierra Holdings LLC
State: CA

Complaint narrative:
I worked with Sierra Financial to apply for a {$1000.00} short term loan, they contacted me and said they worked with a loan broker. My primary complaint is what was disclosed to me over the phone was not the loan contract I signed for, the following deceptive and predatory lending practices were used to enter into a bait and switch loan agreement. 

Basically the on the phone consultant told me I was signing up for a short term loan that had a high APR of nearly 240 % which I knew was the case and there would be a {$140.00} finance fee added to the loan balance in addition to any accruing interest. 
I then asked the on the phone consultant to setup the installment payments to pay off the loan balance in 4 months ( 8 installments ). She said that would be setup and I would see the payments of {$250.00} debited from my account on a biweekly basis and that would pay off the loan. 

Surprisingly I never received any additional disclosures by phone, email, or mail showing the terms, due date, payment schedule or loan amortization chart. I had requested these verbally. The only notification I received was that the loan was funded. 

Then I noticed {$250.00} auto debited from my checking account at the same time as my pay period, I assumed this was my payment plan I setup. After two months and approximately {$920.00} in payments were made I wanted to see my loan balance online my balance as of XX/XX/20 was {$1200.00}. I immediately called Sierra Financial to talk about my concern, they notified me my payment had only been applied toward the finance fees and loan extension fee which totaled {$250.00} biweekly. I told them I did not request any extension and only the initial fees were disclosed to me ( not the additional {$250.00} finance fee or how the determine those fees ), and I specifically asked for the payments to be setup to payoff the loan. They then got very rude with me and said that they can not help me and the terms and conditions state payments can not be setup and the full balance needs to be paid to resolve the debt, then they hung up while I was still talking. 

So I would like for the complaint to be handled and investigated because this company is disclosing false information and preventing consumers from getting full information they need to make a decision.The company has a very bad reputation on XXXX and if I would have investigated them I would have never did business with them, but they contacted me and their potential clients marketing themselves as a different company under a different name, through a different referral sources to trick consumers they are doing business with a legitimate company. 

I'm not question weather I owe them the amount they stated, I'm questioning the validity of the contract since it was not disclosed and me as the consumer did not get to make a decision on the correct information.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-17 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: WA

Complaint narrative:
Experian and XXXX  are reporting incorrectly a collection in the amount of {$4800.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I had insurance coverage at the time and went to an in-network provider. This charge is in error and was covered. This false reporting of a collection is seriously harming my credit score and  this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
We have long had both a first and second martgage, both with XXXX XXXX XXXX. 
We are emerging from bankruptsy, with a court protection period til XX/XX/2020. 
Our loans have both been re-sold, with the 1st managed by XXXX XXXX ( # XXXX ), and our second, a HELofC, managed by Specialized Loan Servicing ( # XXXX ). 
To meet the requirements of the court orders, we sent our separate checks in separate envelopes to separate addresses ... and for the most part we wrote the account number of the HELof C on the monthly checks. They all cleared our bank. 
The XXXX designated processor ( XXXX  - now out of business ) ignored our processing instructions and placed our cashed check payments into suspense accounts, and then force-placed our payments into the wrong account ... for over 20 months! 
Meanwhile, XXXX failed to find the error, and charged the account with all types of interest, fees and charges which they transferred to XXXX XXXX XXXX XXXX who placed collection with Specialized Loan Services for a staggering total of {$26000.00} -- all when we continued to make our monthly court approved payments of {$270.00}. For 6 months SLS has failed to react to our letters regarding our several issues with this loan.

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 2020-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I just got a settlement check from XXXX XXXX XXXX  and I think I am being charged a high interest.

Company response to consumer: Untimely response