vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I received a notice on XX/XX/XXXX from I.C. System, Inc., stating that I have a delinquent account that has been turned over to this collection agency. I responded with a 30 day validation request on XX/XX/XXXX. I ask for an agreement with a creditor that authorises this collection company to collect on this debt. I also asked for the agreement that has my signature that says I agreed to assume this debt. I asked for valid copies of the debt agreement stating the amount of the debt and the interest charges. I also asked for proof that the statue of limitations wasn't expired as well as a complete payment history on the account. I also asked for their lisence that showed they were allowed to collect in my state as well as their licence numbers and their registered agent. I did not receive a response in 30 days. I did however receive a response on XX/XX/XXXX that stated communications are ceased and attached to that letter was a phone bill that was dated XX/XX/XXXX through XX/XX/XXXX. There was no information verifying or validating that this debt belongs to me or that I am responsible to pay this company. I sent a second validation letter to them on XX/XX/XXXX to have this debt validated as mine. I did not receive any response from this company. I sent a 3rd and final validation request on XX/XX/XXXX. This was sent certified mail. They received this letter Validation request on XX/XX/XXXX. It has been longer than 30 days and I have not received a response. I still have not received any validation from this company.

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 2021-04-01 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: GA

Complaint narrative:
On XX/XX/2021 I submitted dispute and they have failed to inform me of the investigation.

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 2021-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
My loan servicing company is the Loan Depot. I have applied for a forbearance since XXXX, have made multiple calls to them, sent a total of 11 emails to date and I can not get anyone to process my forbearance that we have a right to use under the new act. They keep responding to me with generic emails and to date and yet to call me back with a supervisor or manager to address this issue. I was being for XXXX waiting for the forbearance to go through until I had to make a lump sump payment so that can take out a loan for my business without them seeing that I am behind on my mortgage, which put me a deeper financial hole. I don't know what else to do. I don't know how else to take action to get a forbearance processed and give me some breathing room. Please, if there's anything you can help me with let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: VA

Complaint narrative:
Mailed the letter to EQUIFAX for their violation pursuant to FCRA 604 - 15 USC 1681b. Permissible purposes of consumer reports. I, XXXX XXXX XXXX XXXX being the original creditor and consumer never gave EQUIFAX any written consent, and no authorization to report anything on my consumer report. No consent is Identity Theft. 

Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: TN

Complaint narrative:
There are unauthorized inquires on my credit report I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I submitted my XXXX payment to loan care servicing on XX/XX/XXXX, their recorded system said it posted on the XXXX. On XX/XX/XXXX they sent me a letter indicating that they had not received my XXXX payment. This is the third occurrence. They responded to a previous complaint that my payments were received but I'd called and requested that a payment be returned to me which caused the late payment notices. This was not true, and they have been asked to provide a copy of the check that was returned to me as well as the address it was sent to. I have not had any late payments and have sent them a payment history and they continue to send late payment notices. Late payments may effect a consumers eligibility for some loan assistance or forgiveness programs negatively. Their reporting of late payments when in fact the payments have been received and processed on time must stop immediately. Several attempts have been made to contact them to no avail. Their customer service is not available, only the recording of payments received.

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 2021-04-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX did not read my previous complaint correctly AT ALL. XXXX XXXX declared me dead and then reopened my account months later. They added fees past due payments ( which they wouldnt let me pay because they said I was dead ). Then when I refused to pay interest and late fees and the past due of {$600.00} ( only past due because they wouldnt let me pay because they had it marked deceased ). I REPEAT THEY REOPENED THE ACCOUNT AFTER WITH NO APOLOGY OR EXPLANATION AND REFUSED TO REMOVE LATE FEES AND ACCEPT A REGULAR MONTHLY PAYMENT AFTER THEY HAD MY CREDIT FROZEN. SO NOW THEY KEEP CHARGING IT OFF!!! I offered to pay what was due before they closed and reopened my account!

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 2021-04-01 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: GA

Complaint narrative:
On XX/XX/2021 I submitted dispute and they have failed to inform me of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : US SM BUS ADMIN ODAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have had a paypal account for over 4 years now and all of a sudden they quit letting me withdraw by check. Now they want me to add a bank account to paypal before I can withdraw my funds. That is totally ridiculous as I never had a bank account. I sell a couple of things a month on ebay and use that to pay some small bills. Now today I even tried to close my account and send check by mail which they told me they can do. But each time I go online to close it it asks me to add a bank account out of the blue ... My last check withdrawal was last month and now they say I cant? I believe what they are doing is illegal. They have had me verify my address, phone number, SSN and all and they act like they dont know me any more. This is very frustrating. I will upload the chat but please forgive my language.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Several times I have submitted proof of bank statements that the account was paid with debit card. I continue to receive phone calls and when I log into my account it continues to show delinquent. I call QVC and we go through the same process again and again. This problem has been going on for several months already and it is affecting my credit score. They seem not to care.

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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/2021, I sent a dispute letter to Equifax Credit bureau about a bankruptcy on my credit report. It came back as verified. Equifax is in violation of the fair credit reporting act because this information was not verified, because I have a written letter from the courthouse stating the U.S. Bankruptcy Court does not provide information to any credit reporting agency. In addition my XX/XX/XXXX account is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: FL

Complaint narrative:
I applied for mortgage loan back on XX/XX/2020 and had a credit inquiry placed on my credit report by Credco. This is understandable as I signed an application knowing my credit would be checked that day. One inquiry was noted on my Transunion report as well as my XX/XX/XXXX report. No issues. Then I noticed on XX/XX/2020 that I had another inquiry from the same company on my XX/XX/XXXX report in 2 inquiries on my transunion report. this was never authorized and I was never notified that my credit report had been viewed fraudulently.

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 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
In re to complaint # XXXX Closed on loan # XXXX Loan Care on XX/XX/2020. Failed to file mortgage discharge with the recorder of deeds for 109 days. Had a shell company file the mortgage discharge - called " XXXXXX/XX/XXXX XX/XX/XXXX' from a branch in XXXX Washington, whose corporate address is in XXXX Colorado. Per RI General law 34-26 they owe the state of RI a {$50.00} penalty and {$5.00} per day after 30 days of not filing for a total of {$440.00}. 

Company lied in their response - NEVER sent a check for the above issue. See attachment. 

This company clearly is in the back pocket ofXX/XX/XXXXand CFPB as they continue to lie and obfuscate and damage consumers. They lie and XX/XX/XXXX and CFPB let them get away with 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 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Dear Sir/Madam, I received a promotional bonus offer letter from TD Bank on XXXX, saying if I open a TD Beyond Checking and make direct deposit funds of {$2500.00} or more, I can then receive a {$300.00} bonus ; similar if I open a TD Beyond Savings and deposit and maintain a daily balance over {$20000.00} for 90 days, I can also receive a {$200.00} bonus. I have completed the checking offer requirement by XXXX and the savings offer requirement by XXXX, but as of today, I still didn't receive either bonus. 

After contacting TD bank, I received the following statement : " Upon review, this account was opened using our Direct mailer campaign site. This was not an online offer. '' " In order to qualify for the Direct Mailer campaign, you must have received a mailer and the name and address on the mailer must match the name and address on the account. These offers are not transferrable. Unfortunately, the account does not qualify for a promotional bonus. '' It is absurd that I indeed received a mailer/letter on XXXX as I mentioned in the very beginning, and I followed each step to complete the requirement, but still could not receive the bonus. I would like CFPB to be involved in this case, and please help me to reach out to TD Bank, and further investigate this situation. I have attached the mailer I received as photos in this complaint. 

Thank you very much, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
1- Customer Service is not available. Contacting the LoanCare Mortgage experience is horrible ; robot/ answered machine lead to end calls. Last month, waiting time prompt as 1 hours!. After several temptations, I had to call the previous mortgage (? ) to connect to this mortgage ( HomeLoan ) (?? ). The process took 3 days with many long waiting time. Just today, wait time estimated about 2 hours because technical problem.

2- Menu changed to unfriendly used. Took out the options from original loan, which is I can make extra payment occasionally. It changed to default monthly. In the other hand, I feel this change is a dishonest business.

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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I applied for mortgage loan back on XX/XX/2020 and had a credit inquiry placed on my credit report by XXXX. This is understandable as I signed an application knowing my credit would be checked that day. One inquiry was noted on my XXXX  report as well as my XXXX report. No issues. Then I noticed on XX/XX/2020 that I had another inquiry from the same company on my XXXX  report in 2 inquiries on my transunion report. this was never authorized and I was never notified that my credit report had been viewed fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
I am a victim of fraud on my account, my additional card holders account was stolen and there were fraud charges on the card, i did not receive a notification about the Fraud until the person spent over {$3000.00} on purchases on the account, this is highly unacceptable at the fact that his card was allowed to be used for such a high amount, this NOT only is way beyond my spending pattern but the erratic charges being made and the locations it was used is not normal. 

I am extremely upset at the fact that your bank has failed to do its due diligence to protect me as a customer. You allowed charges again that were not normal or within my patterns. The fact that your bank DID NOT do its job to protect me until its too late is not acceptable. I am highly upset at this and we need to get this fixed immediately. 


I then reached out to your Fraud Department seeking to speak to a supervisor to discuss my aggravation at the fact that this amount of charges went through over the course of a few days with no restrictions on the account, EVEN When you notified me before i saw the emails the card was NEVER locked and the attempts were still being made. As a bank if there are charges in question on the account why was there no block/hold on the card until you speak with the customer. ( Received back to back emails within different time frames ) Upon speaking to the supervisor he was insinuating as if i was LYING about the fraud that happened on my card and was asking questions like well what the last 4 of your card whats the last 4 of the additional card holders card? I explained that they were the exact same, card numbers, you can tell his response was as if i was lying to him. He stated he is just very very confused. He then went into details about how tired and such a long day he has had. Made me question if this matter was even was important to him, after that I was on the phone crying as I felt backed into a corner with no support given that my account was stolen. 

He continually asked the same questions over and over of how the fraud happened and last 4 of the card numbers and wanted to know if my card was in my possession or not. I answered that yes my card was but my additional user was not.

I repeatedly let him know that YES i have my card and its my additional card holders card that was stolen., he still again was making me feel as if i was a liar and i do not appreciate it. 

I am the VICTIM here my additional card holders card was STOLEN!! i don't know how else to say it, and the bank is not doing their due diligence to protect me to ensure this doesn't happen again ( and didn't happen in the first place ) Please have someone from the corporate offices give me a call XXXX to discuss and hope to come to a resolution. 


Thank you. Stay safe and be well!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: TX

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This company is very abusive. They will not try to take a {$20.00} payment when they know you have XXXX and have suffered and lost family members during the pandemic. 
Will not try to settle wants full amount but want big payments.

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 2021-04-01 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: VA

Complaint narrative:
I have contacted XXXX of XX/XX/2021 to removed XXXX XXXX XXXX my account it still has not been removed. Therefore, I am contacting you to resolve the issue of removing the account.

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