vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I started the process to refinance in mid XXXX. I was told I was approved in XXXX and also told that my closing would be XX/XX/XXXX. While I was attempting to communicate with the bank I was given several different " single points of contact ''. ( I am now on my third - XXXX XXXX XXXX XXXX. 

After my attempts at communicating with the bank and my loan XXXX XXXX XXXX XXXX XXXX ID XXXX ) went unanswered, XX/XX/XXXX came and went without a closing. 

Throughout this process communication has been terrible on the bank side. Several promises to provide " updates '' the following day were never given despite almost daily requests from me. Finally, I requested to escalate this to a supervisor ( XXXX XXXX XXXX XXXX  XXXX ) and was told that I would be closing on XX/XX/XXXX. In the days prior I was asked for updated payoff statements which I provided immediately. We did not close on XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX said that XXXX would be " ingesting this now and will be submitting this for a review to clear ''. That has not happened and my requests to expedite my closing have not been granted. XXXX XXXX doesn't even bother to respond and XXXX says that " its in underwriting, I'll check on it and get back to you tomorrow '' which he never does. 

I've now been asked for the forth time to provide updated payoff statement and have still not received a closing date. It is my strong belief that TDBank does not want to provide me this loan because I was able to lock in at such a low rate ( XXXX ) and they are hoping that I will just become frustrated and walk away. 

Do I have any recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners
State: MI

Complaint narrative:
I keep getting calls related to a medical bill for my son that occurred in XX/XX/XXXX. I paid the bill entirely in XX/XX/XXXX. I sent copies to XXXX XXXX XXXX in XXXX and XXXX showing not only the date of service but also that the copies of the cashed check. I've dealt with this now in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now again in XX/XX/XXXX. The debt was passed on to Affiliate Asset Solutions and I've had to start the entire process over. Every interaction I've had with XXXX -- including an XXXX and a XXXX was met with a very rude reaction to my questions and comments. While they " technically '' answered my questions they did so in a passive aggressive/attitude driven way. I feel as though I've being treated unfairly when I've actually gone over and above to prove that I've paid the debt they are attempting to collect. 

The final answer they've given me is that it's pending review and it will take up to 60 days and I will have no notification if the debt is closed successfully which is unacceptable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, attempted to remove equifax security freeze on their website and through their automated call system. Both do not work. Called the customer service and they said their system is down, call back in an hour. Called back in an hour, still said their system is down and to call back in a few hours. 

XX/XX/XXXX, attempted to remove on their website and automated call system. Still does not work. Called customer service, after they obtained my personal identifying information, and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XXXX, 2020 my payment did not go through when it was on auto-bill. I reached out to the company and they said that they canceled my auto-bill payments in XXXX. I didnt receive any notification about canceled payments. When I tried to resolve this problem with the bank they did not resolve it. They never notified me about the auto-bill cancelation. After it they left a negative mark " late payment '' on my credit reports. And now I can not get a mortgage because of this mark on my credit reports and Ally Financial will not help me with this unfair situation.

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 2021-03-29 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: TX

Complaint narrative:
Recently had an account show up on my credit report and the credit bureau was asked to verify its validity sent a correspondence on XX/XX/2020 the matter has not been resolved and the dispute has been open since. For Equifax, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TX

Complaint narrative:
Recently had an account show up on my credit report and the credit bureau was asked to verify its validity sent a correspondence on XX/XX/2020 the matter has not been resolved and the dispute has been open since. For XXXX, XXXX  and Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eagle Recovery Associates, Inc.
State: MI

Complaint narrative:
I keep getting calls related to a medical bill for my son that occurred in XX/XX/XXXX. I paid the bill entirely in XX/XX/XXXX. I sent copies to Eagle Credit Recovery in XXXX and XXXX showing not only the date of service but also that the copies of the cashed check. I've dealt with this now in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now again in XX/XX/XXXX. The debt was passed on to XXXX XXXX XXXX  and I've had to start the entire process over. Every interaction I've had with XXXX -- including an XXXX and a XXXX was met with a very rude reaction to my questions and comments. While they " technically '' answered my questions they did so in a passive aggressive/attitude driven way. I feel as though I've being treated unfairly when I've actually gone over and above to prove that I've paid the debt they are attempting to collect. 

The final answer they've given me is that it's pending review and it will take up to 60 days and I will have no notification if the debt is closed successfully which is unacceptable to me.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/2021 from XXXX XXXX to XXXX XXXX 6 transactions of {$250.00} came from my cashapp account to and the recipient with $ cashtag $ XXXX. I had {$15000.00} stolen in 1 minute. I hadnt even heard of this account before nor was I even awake when this occurred. By the time I woke up ( XXXX XXXX  ) I immediately tried to requested a refund from the account that stole and tried to dispute them as fraudulent and contact cashapp to inform then that I had been hacked. 
Immediately I received an automated email telling me basically nothing and that I needed to send the information to dispute through their email. I then responded to the email and continued to get the same automated email 3 more times before they informed me that since my device made the transactions that my claim was denied and they will not be refunding my money. Which isnt possible seeing as I was alone and no one was on my device, not even me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TN

Complaint narrative:
In XX/XX/XXXX I received an alert on my credit report showing delinquent accounts that had been given to a collection agency. This had happened to me previously, 2 years prior and similarly, I had no knowledge or consent given regarding the accounts and with deeper inquiry had found inaccurate addresses listed in my personal info on my credit report as well. The accounts were quickly verified as fraud and I had my credit report updated to remove the incorrect Georgia addresses as well as a fraud alert statement added and then my credit frozen with all 3 bureaus ; this was completed in XXXX and neither the alert nor credit freezes had been removed when I received notice of these new " delinquent accounts '' in XXXX of this year. 

I reached out to the collection agency, IQ Data International using the information listed on my credit report and was told that they would mail me a fraud packet regarding the fraudulent activity from XXXX XXXX XXXX ( GA ). When I hadn't received this packet within the week, I called back for an update and was told it had already been sent, but since I had been told by their agents that I would only have 10 days to dispute the charges, I requested a second packet be sent. In the meantime, I sent my own packet to the collection agency with my ID Theft Report, a notice to furnishers, and my government issued ID on XX/XX/XXXX. I received from them 3 days later a letter informing me of the debt they were holding me accountable for, and at that time I mailed them back their requested copy of a police report, proof of residency ( I have never lived in GA and have been at my current residence for XXXX years ), and my government ID. 

On XX/XX/XXXX I received the initial packet back in the mail as undeliverable, so I called the collection agency to check for updates. They confirmed they had received my response to their letter and said they had reached out to the supervisor at the apartment complex. I have been unable to find valid information online for the apartment company listed as the initial account, and the number I did find was someone's personal phone line ( they hung up on me when I asked questions ). I asked the IQ Data agent if they were able to also give me the address for the complex so that I could send them notice of my identity theft and they quite aggressively told me they would not do that and that I could wait a week and call them back to see what they decided and then they ended the call. I called back immediately and asked an agent for a good mailing address to send in additional documentation ( the packet that had previously been returned as undeliverable ) and was given an email address that I used to send over that initial packet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Pioneer Credit is calling for me at my work number.

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 2021-03-29 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I an a customer of TD Bank. On XX/XX/2021 XXXX I received a text message alert regarding potential fraufulent activity on my TD Bank Cash Credit Card . An order was placed on TARGET.COM. I replied within 1 minute ( XXXX ) that I didn't place the order and it was in fact fraudulent. I followed up with a phone call within a few seconds ( XXXX ) and was reassured that everything was OK, my Credit Card was closed and I was issued a new one. However, TD Bank did nothing to stop the transaction or cancel the order. Within the next few hours I received an email from Target thanking me for opening an account with them, ( which I never did ), and then, 5 hours later, thanking me for picking up the order at the Target store. Since I never shared my email with Target, never had an account with them, I suspect that TD Bank is responcible for the data breach. 
I opened a dispute case with TD Bank and followed up many times but my dispute was denied with the explanation that 'all the details match '. I asked to reopen the case, it was declined again and I wasn't even informed of the decision. 
What is the point of having a fraud detection & alert system if it fails to stop fraudulent transaction given 5 hours to do so?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I applied for a Rate and Term refinance with NewRez in early XX/XX/2021, Loan number XXXX. The company is now not responding to emails, phone calls etc. The loan is locked and I provided all documentation within an hour of request ( s ). The interest rate is not what they advertised on their mailers but I was ok locking at 3.125 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: IL

Complaint narrative:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
You must remove this account Immediately. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I made a purchase online for a pair of earrings on XX/XX/21 for {$510.00} from XXXX. I received a confirmation that my order was shipped by USPS and a signature was required upon delivery. I stayed home the day of the expected delivery XX/XX/21 and no postal employee came to my location and no package was left. When I tracked my package again, it indicated my package was delivered and signed for. Again I never signed for anything and I live alone so no one else could have signed for it. I contacted the merchant and was advised to contact the post office. I filed a claim with the post office that I never received my package and also contacted the postal police regarding the implication that I signed for my package, and clearly either the postal employee was untruthful and signed for it themselves, or delivered it to the incorrect address. I then contacted my card holder ( Bank of America ) and filed a claim with them and provided the same details. Bank of America sends me a response indicating that I made the purchase, and it was delivered and signed by me. I never denied making the purchase and I clearly stated that I never received my purchase. The signature that was provided is not even close to my signature, and as I indicated to them I haven't signed for a package, especially from the USPS in over a year, and no package was left at my location.

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 2021-03-29 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
This complaint is specific to the reporting, this Data Furnisher is supplying and then, within the controls define in XXXX - and, in concert with FCRA and the FDCPA. Complains have been file with the CRA 's to no avail - so, we are here and in full concert with FCRA and the FDCPA. 

I am a bit of a techie - so I care about DATA and then its reporting, and in line with XXXX and its ruling Life - happens, but when it does - all I ask is that whoever can say - gets it correct. 

For all that that is worth - Barclays is governed by its report, its accuracy and as a DATA FURNISHER in and under FCRA and FDCPA. 

Your tradeline - is incomplete and inaccurate. 

I use the example of your kid coming home with a report card - where the name is incomplete - the scores are a bit washy, and then the semester details are not even present. 

This is across the CRA 's - the attachment is from XXXX, but - XXXX, XXXX  and XXXX are in this scope - as is any entity that you as a DATA FURNISHER send your data - and about me. 

The request is simplistic - please fix this tradeline so that it is inline with mandates - or, delete it. 

In any - ANY tech world - comments are never used to store/program/calculate - when there are intended fields to store and demonstrate its intended usage - the same is true for your testing and your methodology of validation and verification. 

Understanding that -- - here are your reporting issues, mind you - this account is actually closed/charged off 1. Account numbers are NULL ( BLANK ) 2. Description of the ACCOUNT - is " BARCLAYS BANK DELAWARE ( CLOSED ) '' 3. There is NO " CLOSED DATE '' - its NULL and as a result 4. AVAILABLE CREDIT is = Credit Limit 5. DEBT TO CREDIT RATIO - is calculated on your erroneous data 6. PAY/BAL/RAT - details are inaccurate and incomplete 7. XXXX is unnatural - and impossible 8. No TERMS exist with a CLOSED account 9. Your CHARGE off <> Amount Past DUE 10. DATE OF LAST ACTIVITY =? 
11. DOFD/FCRA date doesn't and can not be validated and based on your reporting 12. Tech standards DO _ NOT use comments to calculate and as part of algorithms.. 
13. Creditor Classification is UNKNOWN - even when you know what you are See the attachment - this complaint is across all CRA 's. 

The request is simplistic - please fix this tradeline so that it is inline with mandates - or, delete it.

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 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I have been trying to get access to my Coinbase account since XXXX. I have created a Case # XXXX on XXXX XXXX to resolve this issue but I have not received any action or timeline on when I will have access to my account. Coinbase has no human customer support whatsoever, and will not resolve support requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Unauthorized Macys purchases XXXX cant close checking account/ dispute XXXX XX/XX/2021 Macys account information distributed on dark web Cell ported number Fraudulent representatives/phone contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

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 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
The phone calls are coming in each day. They are robocalls which claim a debt. But when I have gone to the 800 phone number to discuss it, I am given a series of questions to sell me products. There is NO WAY to speak to someone. 

The numbers rotate each day so are impossible to block. Among them are XXXX, XXXX XXXX XXXX and XXXX. But there are countless more. The 800 number I was given to call was XXXX, I misdialed the first time and got the same treatment at this 800 number : 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
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT WORLD SERVICES, INC.
State: OK

Complaint narrative:
From XXXX until now XXXX XXXX XXXX university trying to cost me money that I dont have to pay, which is trying to cost me money for the XXXX  XXXX  insurance, the amount is XXXX dollar, the educational institution ( XXXX XXXX University ) claiming that I do have to repay the amount which is XXXX dollar, I was not at school at that time in Fall XXXX, so how the university trying to make me pay an amount that I did not receive any product from them at all! So the situation getting escalating, the XXXX XXXX University hired the collection agency ( Credit World Services , Inc ) XXXX XXXX Collection Specialist XXXX XXXX to pay almost XXXX dollar, I told to the collection agency I dont owe the university money! The collection agency ( Credit World Services, Inc ) keeping calling me in my phone many times! I am exhausted and trying to explain them many times!

Company response to consumer: Closed with explanation