vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2021 I was alerted by XXXX XXXX that an account was started with TD bank. I did not open this account. I was advised by life lock to contact TD bank fraud unit. I contacted TD bank and they put an alert on the profile. I received a call from a fraud investigator that advised the accounts created were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Hello, I fell victim to identity theft due to the 2017 XXXX  breach that took place. I have spent a lot of time-fighting various claims. This has taken an emotional, mental, and financial toll on me. Time is precious and this is something that is frustrating. There is a delinquency on my credit report for XXXX for an account that was falsely created under my name. I have had to open a XXXX  account to keep others from using my personal information XXXX per month. I had to get the record of my credit card statement at {$5.00} per statement for the past 9 months. I've had to spend countless hours during the year of 2020 with XXXX and XXXX XXXX to stop purchases that were made on my credit card fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: IN

Complaint narrative:
I recently got an update of my credit report showing that it went down. Evidently the loan service lowered my payment amount and closed my auto loan as if I didnt pay it off. When Im fact I paid it off in XX/XX/2020. It took 10 points off of my credit when I am already struggling to pay off the debt I currently have. Not sure what to do or who to contact when regarding this issue.

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 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check in XXXX into my account. They cleared and a week afterwards without even trying to Access the funds, chase closed the account without reason. They said it was tagged for fraudulent activity. I Deposited the check into My account Now it's been since XXXX when the check had been deposited and after 6 phones calls avg 35 minutes each and I'm still waiting for the money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
My mortgage servicing was transferred XX/XX/2020 to Freedom Mortgage. On XX/XX/XXXX, I was contacted by my current new servicer about an FHA streamline refinance. I explained to the loan officer I was actually interested in a Conventional mortgage loan, I got a call from them the following day and began the process. I was in touch with my loan officer that day and the day after submitting all supporting documents. I submitted absolutely every document necessary.

Days and weeks went by and no response from the loan officer. I called, I left voice messages, I also sent emails all to which I received absolutely no response.

The appraiser contacts me, comes out, and I even get the appraisal report.

Eventually, two months after submitting my application, I get a clear to close. I reach out again. Time after time and to a few different people. Someone finally calls my back but isnt a licensed loan officer, therefore he can not speak with me regarding other options. I express how frustrating it has been to not heard from my loan officer for over two months because I have questions regarding the loans and express I may need to cancel due to the lack of communication. A call from the loan officer is promised.

The loan officer still doesnt call.

I reach out again, days and time after time. I finally get a hold of someone, again I express how frustrating the process has been and ask to be transferred to another loan officer. I am promised a call back.

The following day, I receive a notice of cancelation via email. The processor working on my file, canceled my application without absolutely no consent. I tried calling and no response. I try to escalate the issue and I cant seem to be able to speak to management about the application that was unlawfully canceled on my behalf that I gave absolutely no consent on.

I get a new loan officer to call me this person is wanting to start the process all over again. He is also now offering me a much larger interest rate than what I had locked.

I struggled for months trying to get a hold of my originator. Then, the unlawfully cancel my application without my consent to offer me a much larger rate. I feel violated and scammed.

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 2021-03-09 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
My vehicle was stolen and after the investigation my insurance company along with gap coverage were to pay the vehicle off. Santander reached out to me letting me know that I had nothing to worry about while everything was in litigation. Santander also told me that no more payments were needed to be made on my part. Now, on my credit report Santander has reported 2 missed payments and kept accruing a daily interest into the car loan. This is hindering the loan from being paid off as well as affecting me from being approved for a mortgage loan. I have reached out to Santander to correct this problem and they refuse to fix their era.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I paid the derogatory account in full. {$73.00} to be exact. The company acknowledged the payment on my credit report however, it still showed as a derogatory account on my credit report. XX/XX/XXXX I disputed the info and it was removed 2 weeks later. 

Now XX/XX/XXXX they have reinserted the information to my credit report still showing derogatory. This is illegal and needs to be removed IMMEDIATELY!

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 2021-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I made a phone call on XX/XX/XXXX to mr.cooper to request the removal of PMI on my loan. I spoke to XXXX direct line- ( XXXX ) XXXX and asked me multiple questions about the property and if I had any upgrades on the property ( which I do ) which then led to him asking to run my credit which I explained to him again that I was just looking to get pmi removed not refinanced. He then stated that I would need to have the loan for 11 years in order to qualify removing pmi since it was a fha loan. The loan is from XX/XX/XXXX which would have different rules for the fha loan where the 11 year rule does not apply. 
I then called back to confirm with mr.cooper the date of my loan, I was then told I would receive a letter in the mail by XX/XX/XXXX in regards to my qualifications of removing the loan. XXXX XXXX I receive a document from mr.cooper stating my mortgage has not reached 80 % of original value, and that I have not met the conditions. My loan was XXXX and I owe only {$95000.00}, which means I do meet the conditions for removing pmi. 80 % of XXXX is XXXX. I called mr.cooper XXXX XXXX and they then tried to say it was 78 % not 80 % but I have a document stating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I am writing to complain about a new practice at PayPal of holding money paid for goods and services. I sold a bike frame to someone. They paid via PayPal for goods and services. PayPal put the money on hold after they took their 3 % cut to protect the sale. I sent the bike frame, put the tracking number in the PayPal system, and the bike has now been delivered. 

However the funds have not been released. Even though we are within business hours, there is no way to contact a human at PayPal to discuss this. I have tried multiple ways for hours. 

This hold is explained as reflecting the unusual activity or risk or other issues. Yet I have paid 3 % for them to move the money. And I do not fit any of the categories that they claim on their site explains the hold. This is not unusual activity fro me, I am not a new customer, my account is very old, and I have an XXXX credit score and no " risk '' to explain. 

And there is no way to get this money released as far as I can tell. I have done what they say to do. The buyer has the goods. The money is not released. And there is no way to contact them. 

I'd also emphasize that I did not agree that the money woudl be held. They did this *after* the transaction was done. I think this is fraudulent. They should at least be required to say before the transaction is finalized the money will be held, and they must have clear criteria for the release *and* personnel available to discuss problems. 

Anyway that is my complaint. There is no choice but to use this company. They should not be allowed to act like this. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: IL

Complaint narrative:
This account was included in my bankruptcy from 2018 and enclosed is the bankruptcy paper as well as how it is reporting on my report it is showing as a collection which is incorrect

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 2021-03-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This account was included in my bankruptcy from 2018 and enclosed is the bankruptcy paper as well as how it is reporting on my report it is showing as a collection which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account was included in my bankruptcy from 2018 and enclosed is the bankruptcy paper as well as how it is reporting on my report it is showing as a collection which is incorrect

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 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/2021 Midland Credit Management was contacted through certified mail regarding a corespondence of an attempt to collect a debt in the amount of XXXX ( Midland account # XXXX ) The original creditor XXXX XXXX XXXX was also contacted by certified mail letter in regards to disputing alleged debt. Midland Credit Management as of todays date XX/XX/2021 has never responded to written corespondence disputing this debt and a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I asked Midland Credit Mangement to provide me with competent evidence that I have any legal obligation to pay this debt buyer. Meanwhile XX/XX/2021 Original creditor XXXX XXXXXXXX XXXX sent a response stating that the alleged debt I was referencing was sold to Midland Credit Management. I did not consent to any sale of any information between Midland Credit Management and XXXX XXXXXXXX XXXX. I was not aware of any exchange of information between these two entities. After written corespondence was sent to MIdland Credit Management I began recieving several harrasing phone calls multiple times of day to my personal celluar device from Midland Credit Management threatening " legal paperwork needing to be served upon me at my home or place of employment ''. I do not owe or have any obligations to pay Midland Credit Mangement any monies realted to any alleged debt. I am now due monetary remedy for violations of my rights under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: NC

Complaint narrative:
Called Equifax on XX/XX/2021 XXXX to report the employer information is still incorrect on my report, I tried to report it online but the online system wouldn't allow me to. I called in spoke to a representative that didn't speak clear English, he didn't understand my answers and I barely could understand him. He asked me security questions to identify myself I answered all the questions correctly, even though I believe he put my information in the system incorrectly because he doesn't understand very well. He came back on the line and told he couldn't verify me and to send in my social security card and ID. I told him no, I will not send in my personal information especially since I answered his questions correctly to identify me. I told him I want a supervisor that understands English and that could fix my issue. He went on and on and became rude and argumentative about me wanting a supervisor. I have been on the call for over 1 hour and 20 minutes and still no supervisor to speak to me and still my personal information on my report is incorrect. This the 2nd phone call placed to Equifax within the past 3 months to no avail. I need help and I need help now with having my employer information corrected in the system and I don't want to send in my personal information for people that work in a different country to have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Avid Acceptance, LLC
State: CO

Complaint narrative:
I have an auto loan through AVID Acceptance. I am currently 9 days past due with plans to pay this Friday, XX/XX/XXXX. 

Last XXXX, XXXX, they contacted my employer, XXXX XXXX. They left a voicemail which was forwarded to me by our customer service department. I asked the representative, XXXX, from Avid Acceptance to not call my employer any more. He said that shouldn't be a problem and he would notate the account and remove the number. 

Today, XXXX XXXX, XXXX, they called my employer. I received the recording from our customer service department. This is after I asked them to stop months ago.

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 2021-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I intially applied for Public Service loan forgiveness in XX/XX/XXXX. I was immediately denied for PSLF, which I expected, and then sent an email applying for TEPSLF. I did not hear any reply until XX/XX/XXXX. I was sent a form saying that I was at XXXX TEPSLF payments as of XX/XX/XXXX ( See attached document ). That would make me eligible after my XX/XX/XXXX payment. I talked with several customer service representatives to get a breakdown of payments. I was told that I had a period of forbearance in XXXX. I have a tax statement from my borrower during that time showing at least one payment. I submitted that document to MYFEDLOAN for review of that payment. Thinking that I could move my eligibility date up from XX/XX/XXXX. I have not heard a response from that review. I have called every week since XXXX to get a ruling and the only response I get is that it could take 90 days and it's in Treasury department within myfedloan. 

I submitted another PSLF application on XX/XX/XXXX, was denied for PSLF immediately, and sent in the follow-up email for TEPSLF review. I have not heard anything on that response and keep being told it's in review. 

Myfedloan updated their website to have a payment counter in XXXX of XXXX and showed that I was eligible for TEPSLF with employment certification regardless of the XX/XX/XXXX review. I submitted another combined PSLF/TEPSLF application on XX/XX/XXXX and was denied PSLF on XX/XX/XXXX. I have not heard a response on the TEPSLF status. I have been in contact with a call center supervisor who keeps telling me that my XXXX review has to go through even though their website says I'm eligible for TEPSLF according to their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I tried to tell Mr Cooper that their response to me included personal bankruptcy information from another individual. 

They told me to buzz off after talking to four individuals and 25 minutes on the phone. 

I tried to let them know they can not spread other persons personal credit info willy nilly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: TX

Complaint narrative:
I wrote the credit Bureaus on XX/XX/XXXX and XX/XX/XXXX of XXXX. I have heard absolutely nothing from them at all. Im XXXX too because there is a bunch of nonsense that im trying to clear up thats so bogus on my credit report and I cant get it cleared up because they wont respond. Like what the heck am I suppose to do. This is against the law what they are doing and I want this matter investigated to the fulles extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: AL

Complaint narrative:
Medicredit , Inc. is reporting -- to the three popular credit reporting agencies -- a hospital bill that has already been paid-in-full by the Department of Veterans Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: NC

Complaint narrative:
It took more than three weeks to get customer service to stop denying the existence of a XXXX wire so it could be credited it to my account. That was finally accomplished, but now I can not withdraw or trade the funds. They have stopped sending the confirmation emails that are necessary to execute transactions. Interestingly, I did get emails confirming submission of a new customer service ticket asking for help on this matter. So clearly, my email is not the problem. Only the emails related to my control of my account are not arriving. It is now a month since I have had control of my money. All I want to do is withdraw my funds, but I continue to be blocked. There has been no response to my email request for help for 4 days so far. Based on previous experience, it will take another month to work this out because they take an entire week to respond to each email, and customer service staff do not read what customers write in their emails. I am incurring significant opportunity cost in the form of lost profits. There are many complaints online about this company doing the same to other customers : not crediting wires, blocking account access, not sending emails for execution of transactions, refusing to respond to customers for weeks. Given that they are effectively and illegally holding their customers ' funds, they need to be investigated.

Company response to consumer: Closed with explanation