vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I have reach out to XXXX, XXXX, and XXXX on XX/XX/, XX/XX/, XX/XX/XXXX XXXX to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/XXXX  as well as to the Federal trade commission on XX/XX/. 
I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as NORDSTROM/TD BANK 1st letter XX/XX/XXXX XXXX then on 2nd letter XXXX/XXXX/XXXX  with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX letter XX/XX/XXXX XXXXXX/XX/XXXX  response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. 
XXXXXXXX XXXX XXXX 1st letter XX/XX/XXXX  and XX/XX/XXXX XXXX  police report, FTC, and driver license. 
XXXX XXXX 1st letter XX/XX/XXXX  and filed a dispute through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: TX

Complaint narrative:
XXXX XXXX XXXX, or XXXX XXXX XXXX it is unclear which company because their emails are from XXXX but the phone calls only refer to their XXXX office of SRS- contacted family members other than myself and my wife about a debt they claim I owe. I am not a minor, so they should not be contacting anyone but me. They called my father and my sister today, and possibly others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
During the year of XXXX we did a refinance to buy down the interest rate in our mortgage with XXXX XXXX XXXX. When the final numbers had been calculated I noticed that the numbers seemed to be low. I called XXXX the loan officer with XXXX, and I asked her if she had added the property tax and home insurance, and her response was yes. When we got the first bill, I had my wife call and ask if these new payments are temporary is it going to go up, and the answer was no it was not and representative had my wife look up the future payments, so she did, and the payments were the same till XX/XX/XXXX. In XXXX of XXXX we get our XXXX bill, and it was for more than XXXX dollars. We called and no one could tell us what the extra fees added came from. Some of the representatives would say that it was something the bank paid, and they wanted the money now. We sent our XXXX payment disputing the remaining amount until someone could tell us what they are for. Through the month of XXXX, we kept calling and asking for a supervisor to call us back or anyone else who can explain what the extra fee are for. Then on XX/XX/XXXX, I spoke to a XXXX who asked me if I felt that my escrow was incorrect and asked me to fax her over the property tax statement and the homeowner 's insurance statement. So, I did, and I never got a call back or any kind of response so on XXXX of XXXX I filed a complaint with this agency and within three days I received a call from a XXXX XXXX from XXXX management team. XXXX began her investigation and out that I had been trying to prevent this happening, but she could not find the communication between myself and XXXX the loan officer because she was no longer with the company, and of course that included the underwriter who also failed to see that the property tax and home insurance was not added. XXXX manages to work out a deal and they ended up apologizing what I know I assume to be Mr. Cooper for not knowing how to provide us with the correct information. Yesterday XX/XX/XXXX, I received a call from an advocate of XXXX XXXX, named XXXX at # XXXX EXT XXXX, who stated that who we had been talking to in XXXX and XXXX of XXXX, was the Mr. Cooper call center. This is why I have decided to do this file this complaint against Mr. Cooper for lack of communication and knowledge and training because this was a mistake caused by XXXX the loan office of XXXX XXXX and now Mr. Cooper for not handling this matter on a timely manner. This matter damaged our credit and made us look irresponsible when I took pride on making my payments. Today we are in desperate need of a equity loan we we are hostage to this situation for at least six more years.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
-- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- NOT DUPLICATE -- -- NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Bank OF America has committed SECURITIES and has DISCRIMINATED against a consumer by obtaining CREDITS via a FINANCE CHARGE and APPLICATION ( ASSETS/SECURITIES ) and has given me no benefit. Bank America has unlawfully denied me my federal Right to CREDIT by shutting down my consumer credit accounts and FALSELY ADVERSELY REPORTING A ALLEGED DEBT giving the impression I am in lawful debt to Bank Of America. Bank Of America has collected MONEY on a consumer debt that arose out of a FINANCE CHARGE where satisfaction for the obligation was completed upon APPLICATION via my Social aka CREDIT CARD. Bank Of America then decides with no warning to ADVERSELY SHUT DOWN my own credit and accounts and CHARGE OFF THAT ALREADY PAID DEBT as a BUSINESS LOSS. Even tho that consumer debt has already been satisfied by the Finance Charge Bank Of America has DEBT PARKED it on my consumer REPUTATION causing me massive severe harm financially and personally in order to COERCE MORE ( RE ) -PAYMENT on a debt that was already satisfied. Notice it is fact this adverse voluntary reporting of an alleged debt goes against the very definition of charged off debt by the IRS which states charged off debt shall be reported as INCOME. Bank Of America there for is inaccurately reporting income on my consumer report as a debt and is now under the Juresdiction of the F.C.R.A Tittle 15 for false and inaccurate reporting. Notice it is a fact Bank Of America has charged of debt as a business loss but has not properly sent to me a copy of a IRS 1099C form for filings. Notice it is fact Bank Of America has charged off an alleged indebtedness as business loss but has not returned to me in the full amount of that indebtedness now in violation under Federal law 26 USC 6050P.

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 2023-10-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My Marcus High-Yield Savings Account was locked in early XX/XX/XXXX randomly. I called Marcus customer service ( XXXX ) on XX/XX/XXXX to find out what happened ( photo attached below ). It turns out my account was forcibly closed on their part and they would not explain the reason why it was closed to me. I had around {$700.00} in the Marcus high-yield savings account and have yet to receive any funds back to my XXXX checking account. 

I called again today on XX/XX/XXXX ( photo attached ) and I spoke with fraud specialist XXXX. I found out my account was still in the process of being closed. It is taking way too long now. Also, I have not received any emails regarding my account being closed or the process my account is going through. It is completely irresponsible for a company to mishandle my account and not be forward with me communication-wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I call them servals times to update the address, and they keep charge me for late fees for something I'm not responsible for, I ask them to pay for the balance I did use.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization.

These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern.

Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization.

These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern.

Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information XXXXXXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
I was recently notified on XX/XX/2023, by XXXX XXXX XXXX regarding a debt of {$710.00} owed to Mercantile Adjustment Bureau, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. I wish to dispute this charge because I am a victim of Identity theft and credit fraud. 

Please note that in XX/XX/2023, I enlisted the services of XXXX XXXX XXXX to assist me with the resolution of {$710.00} owe to XXXX XXXX XXXX. I was able to successfully have this charge removed as a debt collection and also have the three credit bureaus place a credit freeze on my accounts. The charge of XXXX reported by Mercantile Adjustment Bureau appears be the same charge. For the record, please note that I filed an identity theft report with the Federal Trade Commission on XX/XX/2023 regarding this matter with XXXX XXXX XXXX. 

I will be contacting XXXX XXXX XXXX once again to ensure this matter with Mercantile Adjustment Bureau is resolved in as soon possible. 

Please let me know if you require additional information. Thank you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I sat on hold for Nelnet for almost XXXX hours and was unable to get in contact with anyone. I tried their chat, website, and phone was the last option. It should not be that hard to talk to someone about my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
The following inquiries were not authorized and need to be removed from my Equifax credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My mortgage was recently transferred from XXXXXXXX XXXX to Freedom mortgage. I received a letter saying I had a 2 month grace period to start my loan payments with the new company. My mortgage payments went up almost {$200.00} per month so I used the 2 month grace period to pay off some bills so I would still be able to put food on the table. I just received 2 letters yesterday from Freedom mortgage, one saying I was past due 2 months and one saying I had 30 days to catch up my payments or they would foreclose on my house. After I received the first letter informing me of the mortgage transfer I called Freedom mortgage and said I was planning on starting autopay on my account on XXXX XXXX and was told that would be fine. I called today and was told my only options to get the account current are a 6 month repayment plan that I can't afford or a loan restructuring that would change the percentage rate of my loan to the current rate which I also could not afford. I was also told I could keep making my normal payments but I would be reported to the credit bureaus and my credit would suffer. 

I'm sure this is not the first time someone has misunderstood the 60 day grace period after a mortgage transfer because their letters state you will not be charged a late fee by Federal law. I can't believe there is no way to fix this without ruining my credit score, which I have been working to improve. 

I am a XXXX XXXX XXXXXXXX XXXX and my wife and I are both retired living on a fixed income. My mortgage payments have gone from {$1200.00} to {$1600.00} since we bought our house. I can barely afford to put gas in my truck and buy groceries. Please let me know if there is anything you can do to help us.

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX a card was requested from Chase in my name and I was made aware by my XXXX service of a hard inquiry to that end. On XX/XX/XXXX a second account process was started and the first was accepted. On both the XXXX and the XXXX I called Chase to request these accounts cancelled and all further such requests denied and reported as fraudulent. I have placed fraud alerts and freezes on my credit, but on XX/XX/XXXX my parents received mail from Chase regarding a card application and on today XX/XX/XXXX, I received an email stating the same. I have not yet contacted Chase today, but the continuing barrage of applications specifically with Chase and the labyrinth of their outsourced customer service makes this continued game of whack a mile both frustrating and disconcerting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
Hi, on XXXX XXXX I attempted to use the ATM located at XXXX XXXX XXXX XXXX, TN XXXX. 

I bank with Chime aka Stride bank phone number and attempted to pull {$200.00} off my debit account, and the ATM was stuck at the processing screen. I asked the clerk at the store if the ATM was working properly, and he advised that it was slow sometimes. 

The ATM then ejected my card, and no funds were dispensed to me, I attempted again not knowing that the transaction went through my account and the second transaction was successful and I was able to get the {$200.00}. 

The problem was I had two charges on my account. I contacted Chime at phone # XXXX on XX/XX/23 and was advised that the charge would have to settle before they could start the dispute. 

I also tried to contact the ATM company that is XXXX XXXX at phone number XXXX and their office was closed they are open M-F XXXX. 

On XXXX The charge was no longer pending and I was able to start my claim with Chime, at phone number Chime then denied my dispute on XX/XX/23 without ever starting an EFT protocol with the ATM provider. 

Since the date above, Chime keeps requesting more documentation for them to investigate my claim, I am now on rebuttal # XXXX with them and they have yet to follow protocol by law. They continue to deny my dispute and will not help me to get my funds back. 

Chime has not done what they are supposed to do and they continue to deny my rebuttals. I did not receive these funds and I just want my dispute to be handled correctly. Thank you for your time!

Company response to consumer: Closed with explanation