vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 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: PA

Complaint narrative:
Hello, I am voicing a formal complaint against TD Card Services. My wallet and credit cards were stolen in XX/XX/XXXX. TD notified me via text message of potential fraudulent activity on XX/XX/XXXX, and prevented numerous $ 1,000+ transactions to XXXX XXXX via XXXX XXXX. When I called TD to confirm the transactions were not initiated by me, I had voiced concerns about {$0.00} transactions for " Mobile Wallet '' listed on my online account as recent transaction activity. The representative said they meant nothing and didn't move forward with the issue. They blocked the fraudulent charges, and issued me a new card number. 

Well, on XX/XX/XXXX, my TD credit card was once again compromised. On XX/XX/XXXX, I discovered TD allowed a {$1000.00} transaction to be paid to XXXX XXXX via XXXX XXXX on XX/XX/XXXX. The same amount, company, and payee they blocked one month prior. I had to speak to numerous representatives to get through the system in order to speak with a manager in the fraud department. After having to retell exactly what happened 3-4 times, the call was disconnected, and the manager did not reach back out to me. After I called back and had to go through all of the prompts and security again, I was informed by another Fraud Manager that my card was compromised because " tokens '' were left available on my accounts. These tokens connected my new card number with my old card number. And when the first new card number was issued, it was sent directly to the fraudster- to SEVEN virtual wallets. This means that the 6+ representatives within the fraud department who arguably should be more informed on fraud tactics than myself did not think to consider this issue a possibility, when I had multiple {$0.00} mobile wallet transactions on my recent account activity. 

I am utterly disgusted by the service I've received. The representatives in the fraud department at TD failed me. They allowed a fraudulent transaction to go through on XX/XX/XXXX, and have yet to reverse the transaction to make me whole as of XX/XX/XXXX. This is utterly unacceptable. 

I received a voice message from a manager at TD, who told me that this will likely not be resolved until XX/XX/XXXX 23 days after the fraudulent activity occurred, and 18 days after they were notified. Not only has TD bank failed to protect me from fraudulent activity, they are creating significant hardship and anguish by failing to rectify the failure and make me whole. 

Whats more, this credit card account was fraudulently open for me by a TD Bank branch representative in XXXX. When I called this branch in XXXX, PA to notify them, they told me that the employee was let go and there was nothing else they can do. 

TD Bank should be investigated for unfair and unacceptable business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I previously submitted complaint XXXX where HMF replied and allegedly they mailed the title out on XX/XX/XXXX. It is now XX/XX/XXXX and still no title. In the last year alone there have been approx. XXXX similar complaints filed with this agency by other customers who, similarly, had their cars title held hostage. There is no way any company can blame XXXX for losing that many titles in a year. I need my title sent to me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021 at XXXX someone swapped my SIM card out at a XXXX store in New York. They then logged into my Citibank account information while using my cell phone to use two-factor authentication. Whoever did this did cash advances on both my credit cards through Citibank online banking, transferred the money into my checking account and wire transferred it out. They also wire transferred money from both of my savings accounts with Citibank. From one account it was {$1700.00}, from another account it was {$4200.00}, and from another account it was {$10000.00}. The grand total was {$15000.00}

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 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I had informed a debt collector to cease and desist calling my number. The gentleman told me he would add my number to the do not call list. 4 days later I receive another phone call from them. They have called me XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I do not have any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I was checking my credit report and I dont understand why you put this negative information on my account. 
Im sure that someone used my personal information and applied for 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 non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MT

Complaint narrative:
On XX/XX/XXXX, I accidentally sent money with XXXX to Elan Card Member Service instead of my XXXX XXXXXXXX card. The payment was {$1500.00}. I noticed the error on XX/XX/XXXX. I immediately called Elan @ XXXX to correct the payment. I visited with XXXX. She saw the credit on the card and said she would begin the process to return the payment to XXXX. She said it would take just a couple of days. I did not receive the credit back so I called XXXX on the XXXX XXXX. I was on hold for over 2 hours to talk to a representative. Just to have them tell me they could do nothing to help me to get my funds returned. So I again called Elan. XXXX told me there was nothing she could do. I would have to wait 19 days for an investigation to see if they would return my funds. I do not have a balance on this card. They have a credit for the amount sent. I asked how they could keep my money when they knew it was sent in error. She said it wasn't her problem. I would have to talk to a different department and she hung up on me. So I tried to file a dispute with XXXX XXXX XXXX XXXX  to help me receive my funds. They denied my dispute. It is now the XXXX of XXXX and I still have no idea if or when I can expect to receive my funds.

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 2022-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I opened a XXXX  account in error. Payments were made on time before I closed 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 non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have paid this student loan in full. It should not be on my report. please help me remove this.it is hindering my credit growth.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
My Heloc was at XXXX loan services. On my statements it NEVER showed any late payments or past due. Furthermore, when my loan was sold to Specialized Loan Servicing first loan statement showed absolutley nothing past due. On the next statement, all of a sudden, I show XXXX. XXXX outstanding late fees. 

I dispute this debt and SLS did not help me anything when I called them. They told me to call the previous servicer. HAHA. SLS is the ONLY lender that placed these fees. I had no problems with previous lender.

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 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had a credit card with American Express account ending in XXXX and they sent me a letter around XX/XX/2021 and it was a letter about pay over time option but gave me the option to opt out. I called and opted out first thing and they assured me I would never be charged interest. 

Unfortunately, they did start charging me interest and for the most part they reimbursed most of it. But there were four charges of interest that they never reimbursed me for. I should have never been charged interest and they should have made the adjustments all of them but they have refused repeatedly. I even have printed out a chat that they blatantly say that because I was late on my last bill they will not adjust the account. I explained that the late fee of {$170.00} was to cover it being late and has nothing to do with the interest charges since I opted out that should be considered fraudulent charges in my opinion. 

The dates and amounts of charges are as follows : XX/XX/2021 XXXX, XX/XX/2021 XXXX, XX/XX/2021 XXXX and XX/XX/2021 for XXXX this totals {$280.00}. 

Please help me get the adjustments made to my account so they can send me a check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union What its going on is they will determine how much I overdrawn at the same time leave the account with money in it help me believe in that money is in account wait till all the charges occur then charge me an overdrive fee This is a rear current incident my direct deposit goes to the bank so they know exactly when to take the money out this incident occurs every other week

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: IN

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: GA

Complaint narrative:
we receive at least one all a day ( leaving a voice message on our land line phone ) most of the calls come from the same phone number, XXXX. Message is the same every time; Hi this is XXXX from XXXX XXXX 's XXXX, please call me today before XXXX. We have not done business with this company. 

Most of the return call numbers are the same XXXX. Calls have been coming since XXXX, 2021. We believe the calls are a scam and will not call them back using our phone

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: OR

Complaint narrative:
I was checking my credit report and I dont understand why you put this negative information on my account. 
Im sure that someone used my personal information and applied for 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 non-monetary relief
Consumer complaint received 2022-01-26 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: OR

Complaint narrative:
I was checking my credit report and I dont understand why you put this negative information on my account. 
Im sure that someone used my personal information and applied for it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
We have been waiting over 5 months for PHH Mortgage XXXX Ocwen Loan Servicing XXXX, to provide to our County Clerk a " Satisfaction of Mortgage '' that should have been filed by Litton Loan Company ( Bought by Ocwen ) when we re-financed in XXXX. That was 16 years ago and now we can not sell our house. Litton never filed the satisfaction in XXXX and now PHH/Owen/XXXX are saying they need to file an " Assignment of Mortgage '', that was more than a month ago. I have had numerous emails and phone call starting XX/XX/XXXX, and to date they will not tell us who a " Third Party '' is and they will not tell us what they need from this third party. Every XXXX weeks they call to say the same thing, but no new information. The Escalation Department at PHH will not speak directly to customers, we can only go through a supervisor who says he was told only to email them every 2 weeks, if they have an update they will tell the supervisor. Our hands are tied with the County Clerk, only the mortgage company can file the Satisfaction of Mortgage and PHH has taken 22 weeks and has done NOTHING!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following late payment remarks have been placed onto my credit report without my verbal or written consent to do so which is a direct violation of my rights under the FCRA and section 15 USC 1681B. Due to these facts given the following late payment remarks must be removed : XXXX XXXX XXXX for the months of XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 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: TX

Complaint narrative:
I am a consumer, beneficiary and trustee ; no third party or agency is writing for me or has influenced me. I XXXX XXXX XXXX am a natural person. Please see attached documents and ID as it contains my full complaint and request.

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 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
I was given a {$20.00} prepaid XXXX gift card for my daughter as a gift from her aunt. The company that sold the card was Vanilla Gift. The company claimed that the gift card was never activated and that they couldn't activate the card without a receipt, which of course I don't have because I didn't buy the card. When I asked if there was another way to activate the card, they said that they could maybe look into it if I provided extensive personal information, including a copy of the my driver 's license front and back and Social Security Number. For a {$20.00} gift card and a possible resolution, they wanted me to provide enough info to steal my identity. 

Vanilla Gift just took my sister 's money and made the gift card they sold extremely hard to use. They then wanted me to divulge extensive personal information that would allow someone to steal my identity to even look into the issue, with no promise of a resolution if I even moved forward with that path. I did not want to put my identity at risk for {$20.00}, which I suspect would be the case with many consumers. 

The process of making these gift cards so difficult to use is a predatory practice that should be investigated and remedied by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: VA

Complaint narrative:
I received {$1200.00} in my Venmo account on XX/XX/2021. 

Since then, I can not transfer this money to my account or any other user. I have reached Venmo 7 times since then, and they have requested by drivers license which I have promptly supplied however the issue persists. Sometimes they say I need to add a bank account or debit card, however the app does not allow me to do that anymore. 

It is clear that Venmo is withholding my money. It has been 5 months.

Company response to consumer: Closed with non-monetary relief