vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My family was away on vacation and when we returned we notice XXXX $ worth of fraud on our checking account. We immediately contacted the bank and we had to file two separate claims, as some Of the transactions were still pending and we couldnt open a claim to dispute them until after they posted to our account. The first claim ( {$50000.00} ) was denied while the second claim ( {$7000.00} ) was still being investigated. We appealed the first claim and that got denied as well. All TD bank keeps telling us is that we performed the transactions. They refuse to talk to or investigate with the merchant. All they keep saying is the names match on the accounts. Someone hacked my XXXX account. Changed my Phone Number, to further access my account and perform transactions that are normally confirmed with a text pin. The card info is saved on XXXX. Someone used my Cards to send Money to someone using a similar name to our business name. It has nothing to do with me or my family although the names are similar. TD bank continues to say, the names match and XXXX said the person used the exact information. After talking to XXXX, they haven my old mailing address on file. So I asked TD bank how the card went through if XXXX had the wrong mail in address on file and they said that maybe the transaction was performed by my parents or my husband. This is {$57000.00} worth of fraudulent transactions. I have XXXX kids and no money left in my account. This has been going on with them back and forth since XX/XX/20. The fraud reps are extremely rude and accusatory. I thought I was going to have a bank help me in a time of need. Instead they accuse me of lying and performing these transactions. I faxed them paperwork and information to show it was not me who performed these and they refuse to listen. Now we have no money and both claims are denied. We tried speaking to a supervisor and that didnt help. They said theres nothing we can do!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Disputed multiple transactions to Goldman Sachs and they didnt even take a look at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
My credit report shows an amount due Midlands Credit in the amount of XXXX. 
I have never done business with Midlands Credit. It shows an address on XXXX XXXX in XXXX XXXX XXXX and I have never lived there. 
Please let me know what I must do to have this mis-information removed. 
Thank You, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
as of XX/XX/2020 i sent a letter to XXXX, transunion, and XXXX  about inaccurate information reporting to my credit report. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have not Received a response from the Bureaus. On XX/XX/2020 I sent another letter to the bureaus to comply and still no response. It is now XX/XX/2020 and i have yet to get a response from the Bureaus.

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 2020-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
My payments are sent by bank draft to arrive to Lakeview Loan Servicing before the XXXX of each month. My regular monthly payment is {$1000.00}, however, my draft is setup for {$1000.00}. I have been attempting to refinance my mortgage ( IRRRL ) and was advised by the processor on XX/XX/XXXX that they were still awaiting for my payment for XXXX to be processed so that they could request a pay off for the account. I contacted Lakeview and inquired as to why my account had not processed the payment and why do I have late fees showing on an account that has auto bill pay established? I was advised that " for some reason '' my payments are sent to a suspense account before being applied to my loan. The payment that was sent on XX/XX/2020 would not be processed until XX/XX/2020. My closing date for my IRRRL XX/XX/2020 was effected due to the company not processing my payments in a timely manner. ( I will submit another complaint in regards to how the IRRRL with Lakeview was repeatedly mishandled ). At that time when speaking with the Lakeview CSR, I requested an audit of my account but have not received any reply.

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 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I received notification that I had a new collection account on my credit report. It states that it is to collect a medical bill. I have written them letters to have them returned to me for " attempted - not known '' and " refused ''. I have tried to call with zero response. I have no idea what this is for but I have 2 forms of health insurance and was never even informed I had outstanding medical bills nor did this collection agency ever send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Equifax did not respond to a dispute I sent them on XX/XX/2020. 
I disputed this account under the name of XXXX XXXX XXXX. They do not list an account number on the credit report for me to provide it to them or you. 

Today XX/XX/2020, I was able to obtain my Equifax report online and I see that they did not bother to investigate the account I disputed above. I know this because there are no remarks under that account on the new report to indicate that they investigated it. The account is not reported as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been 4 and a half months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the Equifax data breach and believe some of my accounts were compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I got a call introducing herself as an employee of the US immigration and custom enforcement dept.the number was exactly the same as the ICE.i ended up illeterately sending {$970.00} via online banking.i claimed bank of america for stopping the transiction.they said its not gauranted whether they will make it happen or not.

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 2020-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I am a first time home buyer. This process was absolutely horrendous. No communication. Dishonesty. Misleading. And just down right terrible. 

I was told over and over again to stop freaking out to relax. Just chill out. Well come two weeks after original closing date and my house was sold. A single mom with a XXXX year old and know were to go was told by my title broker that it was never going to go through. 

I was quoted a XXXX $ mortgage and the mortgage was going to end up being closer to 1600 . 

Im beyond mad. I have no where to go now with my child. All because of putting everything off and playing major games. Im sick over this. 

On top of it my credit is completely trashed now because he checked it so much. Not ok at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been 4 and a half months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX  data breach and believe some of my accounts were compromised.

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 2020-11-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been 4 and a half months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX  data breach and believe some of my accounts were compromised.

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 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
I opened a checking account under a {$300.00} promotional bonus. 

I met the conditions of the bonus, both depositing {$1000.00} and making 10 debit payments within 90 days. The bonus was supposed to have been paid out at the latest on XX/XX/20. 

I waited until around XXXX and messaged and was told that there was no timeframe on the bonus. I called a few weeks later and now was told I didn't qualify for the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2018 Experian is reported a negative collection account on my credit report. Experian is the only credit bureau reporting this account on my report. According to the fair issac all three credit bureaus have to have accurate reporting on all three of my credit reports. This is a violation and this negative account needs to be Deleted.

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 2020-11-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Good afternoon I'm reaching out because you have Send me a notification via email confirming that Bank of America account was deleted from my credit report however upon opening my credit score I can clearly see that it's still visible and available on my credit report. Again you have no evidence at all or any proof that this account belongs to me however I have a document attached with over 20 pages With evidence confirm that this is not my account again go over my documentation step-by-step and don't you dare to tell me again that I have not provided you enough information and that you somehow are able to verify this account and yet don't provide me with physical proof as you are obligated by federal law.

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 2020-11-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received verification of the inaccurate items.. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-11-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
as of XX/XX/2020 i sent a letter to Equifax, XXXX, and XXXX  about inaccurate information reporting to my credit report. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have not Received a response from the Bureaus. On XX/XX/2020 I sent another letter to the bureaus to comply and still no response. It is now XX/XX/2020 and i have yet to get a response from the Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
as of XX/XX/2020 i sent a letter to XXXX, XXXX, and experian about inaccurate information reporting to my credit report. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have not Received a response from the Bureaus. On XX/XX/2020 I sent another letter to the bureaus to comply and still no response. It is now XX/XX/2020 and i have yet to get a response from the Bureaus.

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 2020-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I got a letter from Citibank on XX/XX/2020 said that both of my saving accounts are closing and without any notice and no reason. One of my saving account still {$130000.00} on the account and other one is {$1800.00}. Citibank will issue me a official check for that balance to the address on file approximately thirty to sixty business days from the date of th is letter. But almost 4 months now and I still not receive my fund yet. I tried to call Citibank so many times and they said my accounts still blocked and hang off on me. I visited the Citibank branch and they said the same thing. Please help me I dont know what to do now

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 2020-11-18 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: GA

Complaint narrative:
I have submitted to Experian an FTC report dated XX/XX/2020 along with ID, utility bill, and letter from the creditor ( s ) confirming liability on fraudulent account ( s ) has been withdrawn. Experian representatives state that due to " internal policy '', they will not re-dispute or block fraudulent information that was previously verified. This Experian policy is a violation of FCRA since the creditors have confirmed removal of the account ( s )

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 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
freedom mortgage purchased my loan from my previous loan servicer, in XXXX with out my consent. Due to the high interest I am paying, I tried to refinance with freedom mortgage to lower my payment in XX/XX/XXXX. After all required documents were collected, the loan officer I worked with know by the name XXXX told me the higher interest rate than what was printed on their website that day and I did not proceed. In XXXX of XXXX I tried to refinance my mortgage with different bank. By the time I was about close, I was overwhelmed by mails and phone calls from freedom mortgage asking me if I refinance with them, they will match or bit ant interest from any other financial institution and I do not have to pay mortgage origination fee and pay little no closing costs. To take the advantages of offers, I started the process of refinancing with freedom mortgage in the beginning of XXXX. Back then I was told the process will take the maximum of 6 weeks. By believing in them I submitted first round of all required documents to them. Then after, I was overwhelmed by calls and emails from a minimum of 11 people pretending to be all are from freedom mortgage. I submitted all requested documents. After they received whatever they requested for, almost none of them replied to my calls or emails. Now I am in my 8th week since I started the process. While I understand the effects of code 19 pandemic, I consider the process is unfair and discriminatory and most of the people who are involved looked either my coworkers or my neighbors. Is this fair business practice? 
the people involved are 1, XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX 8 ) XXXX XXXX 9 ) 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