vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Before covid I just regularly made payments in store at Nordstrom, where my account had not missed a payment in over 3 years, but on this date most retail clothing stores were closed in XXXX Florida due to increase in Covid positive cases. On XX/XX/XXXX I logged into Nordstrom Card Services ( https : //www.nordstromcard.com/auth/accounts ) to make a payment of {$100.00}. I saw that the ACH bank account on file online was an old personal bank account that no longer existed so I then added a new bank account and proceeded to make the {$100.00} payment. I landed on a " Thank you for making a payment confirmation page where there was no error, no payment incompletion notification, no reason to believe that the task was not done. Norstrom immediately sent an automated email to thank me for making a payment but couldn't send a similar email, or even at the time of making the payment let me know that the old account they were trying to pull ACH from no longer existed, and to try a different bank account like the one I just added and thought I was using to make the {$100.00}, and made another {$65.00} & {$150.00} payment with subsequently?? When I logged into make the {$65.00} payment I still had no idea that the previous {$100.00} had bounced thus charging me {$25.00} in chargeback fees each time, but " thank you for your payments '' on these next two. Recently I began receiving notifications that I had a serious 30-59 day delinquency from XXXX and other credit apps. I logged in to XXXX saw that Nordstrom was reporting me and since I was certain that I had been paying on time and in good standing, I filed a dispute. A few days later I received a notification that Nordstrom upholds that the delinquency was true, so I then proceeded to call Norstrom to get to the bottom of this. The first associate and I determined that no bank account could be found for the {$100.00} I submitted payment for but that day that I did log in to make that payment I had added a new bank account. As XXXX as my witness I had every intention to make that payment but nordstrom card services website tried debiting my old account rather than the new one I had just added, and did not make reasonable effort to notify me to use a different account to make that payment. Rather let me think I'm good at time of transaction and let 30 - 60 days go by before me finding out that I'm delinquent due to a website Error and Ommission. The first Nordstom Card Services associate transferred me to their  supervisor who understood what had happened here, but was forced to constantly reiterate the Fair Credit Act and could not remove this reported delinquency due to their website processing error. That this would be a courtesy removal and would put Norstrom at risk for fines and investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Will add attachments because numerous disputes have been submitted, receive notifications the info has been deleted but is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: DC

Complaint narrative:
I am complaining today on Equifax Credit Reporting Bureau regarding a disputed account within my credit report by the name of XXXX XXXX XXXX XXXX. account ending XXXX which I have provided proof to Equifax with a long-standing investigation that was completed but NOT resolved by Equifax. I have submitted pertinent supporting evidence that real time resolution was erroneously reporting false and incorrect information to my credit. I have further submitted documentation provided from XXXX XXXX informing me through Consumer Financial Protection division that they will remove all past and future reporting. I have received a deletion from my report with XXXX  and XXXX  regarding XXXX XXXXhowever   Equifax has not followed the other two bureaus deletion which as per my rights under fair credit reporting act, I have a right to dispute incomplete or inaccurate information. 

Equifax is causing me undue stress and adverse hinderance that is causing me hardship with refinancing my current mortgage. Furthermore, Equifax has completely shut me down and locked me out of their system from providing any future disputes thru electric methods. I have even tried to reset my password in XXXX of 2020, and still cant get through to them. Equifax had written me and asked me to provide them with a copy of my drivers license and my social security information to prove to them, that I am who I proclaim to be which is utterly suspicious activity to me. I am totally unable to verify who I am electronically due to Equifax locking me out of their system and unable to log in what-so-ever. 

I am requesting that CFPB enforce Equifax to delete real time resolutions from my report based on the proof that was provided to them before they enabled my previous disputes. Further to allow me with access back in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am out of work from the pandemic. I applied for the emergency PMAP grant from PHFA and the CARES Act for my Mortgage and was happy to be approved for a {$4600.00} grant ( equal to six months of my mortgage payments ). I was approved on XX/XX/XXXX. I was very relieved as I only have Unemployment right now. 
Since that time I have called and messaged Wells Fargo, my home mortgage company, over half a dozen times asking when they would attribute the money to my mortgage. PHFA said it was approved and waiting for Wells Fargo to act on their end. At first WF said they would let me know and by XX/XX/XXXX, then they pushed it to XX/XX/XXXX, then they pushed to XX/XX/XXXX. I have all of this in writing from them and attached. On XX/XX/2020 Wells Fargo called me and told they decided not to accept the money, because according to them, they think out of work people have plenty of other programs to save their homes and they did not think this one was needed. They actually said that. This is the only grant program to save my home that I have applied for, was granted or even know about.

Now they are refusing to accept the grant toward my mortgage. I do not believe they can dictate who I allow to give me money. It should not be their call. I asked if there was a particular problem my Mortgage or was this a blanket rule they have decided to make up. They said they decided that it applies to ALL Wells Fargo Mortgage borrowers. No one is allowed to to get a PMAP applied to their
mortgage at Wells. Other banks mind you ARE accepting the PMAP grant.

I am not in Foreclosure right now. My first missed payment was due  to the pandemic on XX/XX/2020. But this new rule Wells Fargo created to refuse payment is unacceptable and could cost many who were lead to believe were helped by the PMAP Government program to lose their homes. I thought I was in the clear after being approved for PMAP only to learn months later WF chooses to say no to money. Can you please help? This could effect thousands and there is no valid reason for them to decline the funds. Unless ofcourse they are trying to force home owners from their homes so they can Foreclose on the properties of people who lost employment from the pandemic. Which is just evil.

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 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: OH

Complaint narrative:
Several charges from south Carolina im from Ohio never been there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Will add attachments because numerous disputes have been submitted, receive notifications the info has been deleted but is 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 2020-09-22 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:
To whom this may concern I am a Victim of identity Theft. the Information Listed On this Report does not Relate to any Transactions that I've made this is Identity Theft. please Block this Information from my credit thank you

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 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: FL

Complaint narrative:
Thought I was making a balance transfer for a 0 interest for 12 mid They processed it as a cash advance at a 24.99 Interest I would never have done that

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners
State: AZ

Complaint narrative:
On XX/XX/XXXX I recieved emergency care at XXXX XXXX XXXX XXXX Department located in XXXX Arizona. My medical bills were processed through my insurance of XXXX XXXX XXXX XXXX XXXX XXXX. According to my insurance, all claims were paid, however I am receiving a bill from a collection agency, Pendrick Capital Partners II, LLC, for the amount of {$1100.00}. Per Pendrick Capital Partners II, LLC the orginal creditor is XXXX XXXX XXXX  When I contacted Pendrick Capital Partners II, LLC, I was told the orginal creditor sold the debt to them and now they are threatening to ruin my credit if I do not pay. Currently, XX/XX/XXXX, my insurance company has opened an investigation into this matter and I am reporting this due to fear of my credit being ruined or identity being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
I booked a vacation home through people named XXXX XXXX and XXXX XXXX on XX/XX/2020 for {$1700.00} and it ended up being a total scam. I had numerous email conversions with this person and i even looked up the property and it does belong to XXXX XXXX. After I did not get a response back a few days before our vacation was supposed to start, I started researching and found XXXX XXXX on XXXX. She had told me that i was involved in a scam. I did a money transfer through XXXX through XXXX XXXX  and this payment was sent to XXXX XXXX at Suntrust bank. I opened up an investigation with them and they said there was nothing they could do. I also have a police report open under incident number XXXX with the XXXX Police Department. There is also a police report open with the XXXX county police under XXXX from a guy named XXXX who we found out also got scammed by the same 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 2020-09-22 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: DISCOVER BANK
State: GA

Complaint narrative:
I am an elderly and XXXX citizen. I inquired about a medical bed on XX/XX/2019 with XXXX XXXX XXXX XXXX, XXXX Ohio XXXX a order was taken and placed on the Discover card the agreement was to deliver the bed within 10days. Due to medical conditions, 10 days passed and I inquired about the purchase on XXXX XXXX. The bed was not shipped and I canceled the order started another search for a bed. As of XXXX XXXX the bed " NEVER '' arrived and my Discover card was charged. I submitted several disputes and Discover refuses to reverse the charge. I pulled the tracking of the bed and it showed the bed was never delivered to my home just a in route status as of XXXX XXXX. The courier listed on the tracking number said the bed was delivered to another location not my home address. I am now being charged for an item that I didn't receive and I canceled the order on XX/XX/XXXX. Discover has turned me in to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Conn's, Inc.
State: NC

Complaint narrative:
On XX/XX/2020, I contacted Conn Home Plus to see what options for payments to get had available to assist customers during the COVID 19 pandemic. They offered to refinance my account if I was to  make a payment of {$160.00} by XXXX XXXX and going forward my payments would drop from XXXX to {$130.00} per month. The payment was made and the contract was signed and dated on XX/XX/2020. All through XXXX, XXXX, XXXX, XXXX and now XXXX I have received harassing phone calls and now a letter from and Attorneys office about the old account. I have contacted Conn on  multiple occasions asking them what is going on and why are they sending harassing emails and calls. Each time I mentioned that I had refinanced the loan and waiting on the new account as I told them was supposed to be to me since XX/XX/2020 they would give me an explanation that due to COVID 19 they were behind and it could take 90 days but the contract had been signed and payment has been made so everything things is ok. I had no worries. On XXXX XXXX I received a letter from an Attorneys office about the old Debt to Conns wrong amount and all. I have been harassed for months and no resolve. Ive forwarded the contract signed by my self and Conn to the attorney XXXX XXXX in WI. The amount owed isnt correct because payments have been made to Conn Appliances, INC. I have my phone records with the dates and times and duration of the calls with Conn regarding the new account and the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
AMERICAN EXPRESS - They lowered my credit by XXXX $ without any notices or any reasons that could affect my business with them. I have been making all my payments to them on time and did not use my card very often. 
Because of this Carona Virus pandemic. I was trying to keep my card for any emergency spending. American Express went and lowered my available credit and has caused by credit score to decrease by XXXX points. 
All the other banks have been trying to assist their customers during this time but American Express has been destroying peoples lives during these tough times. 
I only found out that my credit was lowered when I was trying to make a purchase online and my card declined. I immediately called them as I thought my card might have been used fraudulently. Then I was advised of this dishonest practice that American Express lowered my available credit. HEARTLESS ... 
I think that practice of lowering people 's available credit should be a crime and this company should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: NC

Complaint narrative:
XXXX  is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I requested a forbearance thru my current mortgage company XXXX  mortgage. After the 4 month into the forbearance i received a letter they sold the loan. I just received from the new mortgage company Shellpoint Mortgage a demand for payment to avoid foreclosure. I have repeatedly tried to contact them and they say there is not record of my request for forbearance and i owe them the full amt of " late payments ''. This was authorized by the government for Covid relief. I have left messages for my " direct contact person ''. They do not return my calls. I need to start my payments again in XXXX but I have no direction as to how to do this. I have letters proving I was approved for a forbearance, now i have no one to contact to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
I booked a vacation home through people named XXXX XXXX and XXXX XXXX on XX/XX/2020 for {$1700.00} and it ended up being a total scam. I had numerous email conversions with this person and i even looked up the property and it does belong to XXXX XXXX. After I did not get a response back a few days before our vacation was supposed to start, I started researching and found XXXX XXXX on XXXX. She had told me that i was involved in a scam. I did a money transfer through Zelle through XXXX XXXX  and this payment was sent to XXXX XXXX at XXXX XXXX. I opened up an investigation with them and they said there was nothing they could do. I also have a police report open under incident number XXXX with the XXXX Police Department. There is also a police report open with the XXXX county police under XXXX from a guy named XXXX who we found out also got scammed by the same person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Texas Guaranteed
State: TX

Complaint narrative:
My complaint revolves around the severe financial, personal, and career consequences I incurred due to false and misleading information provided to me by Texas Guaranteed. For years I was making payment on loans of about $ XXXX with a monthly payment of {$300.00}. Around late XXXX I started falling behind as I received a severe paycut at my job of about 20 % due to loss of bonus at XXXX XXXX.I contacted Texas Guaranteed numerous times and each time they said I had already exhausted all options and there was nothing I could do. I was still paying though even if late. Eventually I could not keep up and tried to find another solution as lates were starting to impact my credit rating. No one ever returned my call. A few months went by and I finally gathered a few hundred dollars by selling off personal belongings. I called to try and make payments and I was denied. They wanted ALL payments that were past due. This was not possible as I had just a few hundred not thousands of dollars available. 
As a consequence I was advised to wait a few months because they had another solution for me. Their " solution '' come to find out in late XX/XX/XXXX was that they had filed for a WAGE Garnishment! They immediately started taking {$650.00} per month which was over DOUBLE my regular payment of {$300.00}. I called again pleading for help. They said this was the only route to reinstate a good standing and then conned me for MORE money. They said I had to pay another {$120.00} per month penalty as well. So all in for almost a year they took $ XXXX per MONTH. 
As previously advised I was already lacking enough funds prior to any of this. This lead to defaulting on all my credit cards as I simply didnt even have any money after rent and student loans and barely any food to eat. 
After a year they stated congrats you are back on track, we will remove garnishment. However they had ADDED nearly $ XXXX as a " Collection Fee '', So aside from wrecking havoc to my credit forcing me to default, losing 60 lbs due to near starvation, losing apartment and living in my van they ADDED $ XXXX after I had already been garnished/paid nearly $ XXXX! 
This damage continues to this day. My student loan is now being serviced by another but it reflects an LTV of over 130 %. This loan has been negatively amortizing even though Ive been paying for nearly 2 decades!!! 

I need all this investigated, fees/penalties removed, lates corrected and compensation for ancillary impacts such as credit decline, increased cost of borrowing, homelessness ( due to forced garnish ), and overall lying and stealing tens of thousands from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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:
To whom this may concern I am a Victim of identity Theft. the Information Listed On this Report does not Relate to any Transactions that I've made this is Identity Theft. please Block this Information from my credit thank you

Company response to consumer: Closed with explanation