vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I placed an order for a workout machine by a company named XXXX / TD Retail Card Services back in XX/XX/2020. It just so happened that covid-19 hit so shipping of the item was never made. I spoke to customer service at least 30 times with waiting times of an average of 2 hrs per call. Everytime they told me that they did not know where the item was. So I told them that I wanted to cancel the entire order. Months of fighting with this company, they were finally able to locate the device that never made it to my destination.

Months pass and looking at my credit report there was still a balance unpaid of {$490.00}. I again spent countless hours trying to get ahold of multiple departments each pointing the finger at one another without being able to get any resolution. They are stating that the {$490.00} remaining balance is due to a restocking fee. I  fought and spoke to supervisors on the matter that the machine never made it to my house so why would I have to pay for a restocking fee. They are now refusing to take this charge off and its hurting my credit. I refuse to pay this exaggerated fee of an item that i never received and I cancelled. 

I made attempts to make disputes for each of my credit bureaus and because XXXX / TD Card Services are stating that its a valid charge they can not remove it. This is hurting my credit and I am also getting phone calls. Can someone please help me get this resolved? 

Company : TD Retail Card Services / XXXX XXXX I have an account # and other information to help me fights this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4.XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.

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 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I submitted a dispute to XXXX XXXX, and TransUnion on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted a dispute to XXXX, Equifax, and XXXX on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report.

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium.

After contacting each bureau I was instructed to contact CFPB and file my complaint.

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
TD Bank is charging excessive overdraft fees to the point I can not catch up with the account and is causing me to not be able to pay bills and purchase groceries - most recently they have charged me overdraft fees for pending items that were on hold and was enough in the account to pay - I made a purchase which dud overdraw the account due to the items on hold that were deducted from my available balance!! I was charged one fee - then when the items that were on hold and deducted from my balance posted to the account they charged me an additional {$100.00} dollars in fees!!! How is this legal or justified? Those items were deducted from my available balance already! I am experiencing financial difficulty due to the current environment and they refuse to rebate any further fees - this current environment is nit changing any time soon. How us this ok? How am I to manage my finances when 100s of dollars are being taken from my account due fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4.XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, XXXX XXXX {$1100.00}. # 5.XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.

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 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a Capital One Quicksilver account on XX/XX/XXXX ; Capital One 's website stated that the card has no fees, 1.5 % cash back, and clients receive a {$150.00} cash back bonus if they spend {$500.00} within the first 3 months. I met the minimum spend criteria within the first months, then waited for two additional quarters to see if the bonus would be credited to my account, which it was not. I called today to inquire about this and spoke to a supervisor named XXXX, who told me that the bonus did not apply to me because I already had an account with them and was an existing Capital One customer, and directed me to the portion of the website that says " offer MAY not be available for existing or previous accountholders ''. This language is important because it does not say " offer does not apply to existing customers '' and implies that there are other criteria. If Capital one is advertising this bonus for some account holders but not others, but in action denying the bonus to all existing account holders then this is false advertising. Furthermore, this has bearing on whether clients sign up for this card because it is purposefully misleading in its language.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have repeatedly disputed with credit report bureaus about inaccuracies on my report, they conduct their investigation, and they still will not take the inaccuracies off my account. The company I supposedly owe money to has yet to supply any evidence to support their claims. I cant get a bank account. I cant get any kind of loans or help with finances because of this. Its not fair I have to live like this because the credit bureaus want to take the side of huge corporations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: Nelnet, Inc.
State: VA

Complaint narrative:
This is not mine - I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Business Factors
State: NV

Complaint narrative:
As of XX/XX/XXXX National Business Factors , Inc. of Nevada have been trying to collect interest on debts not contracted with interest clauses

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: VA

Complaint narrative:
This is not mine - I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX/XXXX  {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.

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 2020-09-02 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: FL

Complaint narrative:
I wrote certified letters to all three bureaus to remove all inacurrate data XX/XX/XXXX and todate nothing. 
I am escalating as i know it should not take over 30 days to get results or responses from bureaus. Can you help me please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4.XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.

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 2020-09-02 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: EQUIFAX, INC.
State: CT

Complaint narrative:
My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX/XXXX  {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: FL

Complaint narrative:
I wrote certified letters to all three bureaus to remove all inacurrate data XX/XX/XXXX and todate nothing. 
I am escalating as i know it should not take over 30 days to get results or responses from bureaus. Can you help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: AR

Complaint narrative:
XXXX and I had an agreement in 2018 to pay a total amount for the debt to be cleared. The debt was paid as agreed and I have tried to dispute this issue with TransUnion prior. TransUnion LLC has the debt on my credit report and it should not be. Specifically, the account should read Paid as Agreed and closed- in good standings. This is not what is reflected on my credit report. I have good credit and this is causing my score to be considerably lower than the other reporting agencies. Also, when I disputed this item with TransUnion I received no communication nor a copy of my credit report that I am legally entitled too. I have attached supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XXXX I purchased a hammock with stand from XXXX   with Paypal.. When I received the product I saw that they sent me a hammock only without a stand. I immediately contacted seller and they told me what they sent me is correct. I contacted Paypal to tell them that the order sent was not as described. I ordered 2 items the hammock and stand and only received one, hammock. Paypal closed the case without regards to the incomplete order I received. I told Paypal, I already sent back the hammock to the company 's agent that was listed on the return address label since that was the only address I had of the company. I emailed the company on 3 different occasions asking for their address and 3 times they refused to give it to me. So how can I return an item in a timely manner if the company themselves refuse to give it? Paypal by not looking at the evidence closed the case and  said I proactively returned the item and the dispute case I opened up with them is now closed. I was never aware the company I purchased from is located in XXXX. On their website it states they operate in XXXX under XXXX laws. The address label for return was sent from the US. I asked the company through emails what was the return address 3 times and 3 times they refused to give it. How am I suppose to know that they are located in XXXX and to return it to XXXX? Also, in their email to me the company said that they return 10 % of my money so I won't have to go through the trouble of an expensive shipping fee. This is the scam they used so they can keep 90 % of your money with the trick of telling you that shipping is very expensive. DON'T BUY FROM XXXX ADS. DON'T USE PAYPAL. NEVER AGAIN. LESSON LEARNED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.

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 2020-09-02 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: EQUIFAX, INC.
State: CT

Complaint narrative:
My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4.XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX/XXXX  {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
THIS IS A NEW DISPUTE EXPERIAN!!! I have attempted XXXX times prior to this dispute with CFPB and have called into customer service with CFPB about this dispute. Experian continues to close the case upon receiving this dispute. AGAIN, this is a " NEW DISPUTE ''. My car was totaled in XX/XX/2020 and XXXX has been PAID IN FULL for the vehicle. XXXX has reported the car 30 days late last week and they have received a LUMP SUM check for the car. EXPERIAN continues to say, I have disputed 30 day late notices in the last 90 days BUT THIS IS NOT THE CASE. MY ISSUE IS THAT THE CAR has been paid and as of the XXXX of XXXX Experian is showing a 30 day late payment WHICH IS ERRENEOUS. I CAN NOT DISPUTE ONLINE with EXPERIAN and THEY CONTINUE TO CLOSE THIS DISPUTE OUT EACH TIME I CONTACT CFPB with is illegal because they are stating they have resolved my DISPUTE AND IN FACT THEY HAVE NOT .... BECAUSE THIS DISPUTE JUST ARISED ON THE XXXX of THIS MONTH. I WANT EXPERIAN HELD ACCOUNTABLE FOR PROVIDING FALSE INFORMATION TO CFPB and TO ME Stating the issue is resolved and they KNOWINGLY AND WILLINGLY ARE PROVIDING FALSE INFORMATION which is a VIOLATION OF FDCPA RULES for consumer protection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: NV

Complaint narrative:
Bank of America is reporting incorrect information which is stopping a borrower from proceeding with a refinance as well as a purchase. Bank of America is reporting an account as if it is deferment when a borrower had never requested the deferment and has made continuous payments on the debt in deferment. By doing so, this stops a Veteran from bettering their financial position and proceeding with a refinance as well as a purchase. 

Our third party credit service has made attempts to order a credit supplement to have Bank of America update the information but Bank of America refused to remove. The incorrect report of deferment on the consumer 's credit is not allowing a new lender the ability to close on the consumer 's new financing as a mortgage loan is not resalable under VA guidelines with an account in deferment.

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