vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have contacted LVNV Funding whom is doing business as Resurgent Capital Services on a matter that pertains to my credit. I have been a victim of fraud. I sent LVNV/Resurgent a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. I filed a complaint with my local police department and put the information in my police report. Prior to sending the affidavit I sent a letter to LVNV/Resurgent Capital Services to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX XXXX ) and LVNV/Resurgent Capital Services disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay LVNV/Resurgent Capital Services and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
We are trying to refinance with XXXX. We have been waiting to reserve a subordination release from TD bank for 6 weeks now. XXXX is not able to get TD bank to send the release letter to them so we can close this refinance. 
The only part is from TD. You can not talk with the subordination department at all. 
They will not return a phone call back to XXXX or an email to them or ourselves. 
All we are trying to do is refinance, we have a credit line with TD using our home as collateral for {$13000.00}. We are refinancing with XXXX for {$270000.00}. 
Please give us some sort of advance. 

We started this refinancing with XXXX, last XXXX. At this point I don't want to stop and start again. I just want TD Bank to send the subordination letter. 

Thank you, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX ( Saturday ) I deposited {$500.00} ( all XXXX ) into a Bank of America ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX United States ) at XXXX and the atm claimed it could not process my transaction or refund me my money. 

I filed a claim in that moment ( claim # XXXX XXXX, since processing the claim I have not received any Messages or updates on the claim. When I call about the claim I do not receive accurate or helpful information about the status of the claim. I have received multiple dates from The customer service informing that I would receive the money on a date that has passed, and still have not received my money. 
I strongly believe that Bank of America is providing me inaccurate information, they still show that I have a standing balance and refuse to give me any temporary or provisional credit in the mean time, due to the ATM malfunction on their end. 
This has been theft by Bank of America and still have not accurately fixed the situation. 

They told me 7 to 10 business days. When this time frame passed they now are saying 90 days. This cash was deposited into the ATM and should have been solved already.

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 monetary relief
Consumer complaint received 2021-02-16 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: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: NC

Complaint narrative:
Called the company twice in the last 60 days to try to verify debt, asked for copy of statements from original creditor and a financial breakdown of debt owed. Nothing has been mailed to me, I have also attempted to dispute with credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My wife and I maintain freezes all of our credit report unless we need them open. If so, we open them temporally and then freeze them again. We are strict about this following the Equifax hack, especially after it came out how irresponsible they were with all of our personal data. 

We have decided to refinance our mortgage, and went to lift all 6 of our freezes. The only freeze that can not lift was my wife 's Equifax report. First, their website locked her out without explanation, second, their automated phone system is both very cumbersome and sensitive to background noise which resulted in her being locked out of her account unless she faxed or mailed documentation to Equifax. There is no way to speak to a US based call center, and no expedited process for users needing urgent support. 

Equifax has placed an unjust burden on consumers like my wife and I, and are effectively holding us XXXX in the face of a rising rate environment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
I have got many calls from XXXX XXXX XXXX ( XXXX ) staff XXXX XXXX regarding a fake debt. I have communicated with both XXXX and XXXX. No such claimed " {$1200.00} transaction '' to another party ever occurred at XXXX, neither was XXXX rejected by XXXX. ( this was also claimed by Mr. XXXX that my banked notified me the return of ACH by XXXX in XXXX of XXXX ) I went to the bank in person and I got the transaction statements for the month of XXXX to XXXX. None of them have shown any rejected ACH. See attached XXXX statement not showing such transaction in the history and no ACH rejection in XXXX. See attached statement from XXXX for the month XXXX, XXXX, XXXX and XXXX. MR. XXXX claimed that my XXXX account was suspended due to the non-payment. I logged on without a problem. My XXXX account history shows no transactions since XXXX. 

When I called XXXX to report XXXX, I found out that XXXX is faking to be XXXX member using a fake certification # on their website. XXXX Executive director has confirmed in the email that they can not take actions towards their fraud debt collection due to the fact that XXXX is not a member. Please see attached email communication. 

When I called XXXX to question their validation of debt process. The staff said they " bought '' debt from XXXX XXXX XXXX which is another made up company with fake phone #. See attached XXXX search of the company as well as their fake phone #. I have statements from both XXXX and XXXX to prove that they have fabricated this " debt '' And they illegally bought my SS #, DOB, old and new accurate address. I had to freeze my credit through XXXX XXXX. The staff, XXXX  XXXX, threaten to ruin my credit if I didnt pay at least {$800.00} by the end of day on XXXX. I would also like to file a complaint against the threat. I have serious doubt regarding this company being a legit company. I will bring this to XXXX  and Attorney General. Thank you.

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 2021-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: MN

Complaint narrative:
XX/XX/XXXX I called for pay off amount. XX/XX/XXXX they said it was mailed out. XX/XX/XXXX I called never received in the mail. So they said they would email it. XX/XX/XXXX I called said never got the email. They said oh we can't email unless you have attorney. I don't so they said we will mail it to you again. XX/XX/XXXX called said it has not came in mail. They said well we will fax to you. Never came. XX/XX/XXXX I called they said I don't know why it has not came but you will need to contact our attorney. I asked why would they tell me all this bs. I asked to speak to a supervisor they refused to send me to one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
my complaint is because Specialized Loan Servicing has not evaluated fairly my financial setback due to the pandemic situation. 
Specialized Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX, Loan I am currently 8 months behind and they are playing games. 
They are reporting me late on my credit report even though there is a local law here in XXXX XXXX about evictions and foreclosures. 
they approved me for a short sale on XX/XX/2021 even though they know I want to remain in the home. 
I tried to pay 4 monthly payments over the phone to catch up and they refused the payment claiming that my file is " under foreclosure " If I make 4 payments then I should be given an opportunity to work this loan out with them and for them not to be so drastic on my situation. 
I can not sell the home at this time and i want to keep my house. Please help me figure this out with them. 
Thank you. They can be reached at XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: KEYCORP
State: NY

Complaint narrative:
I would like to address this matter, I would also like to bring to your attention that this is my second attempt to have this looked at. I have an account with Keybank account # XXXX the reason for writing is in regards to a late reported in XX/XX/2020. I was unable to make the payment due to covid. As soon as I was able to I got the account caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had sent money to a XXXX XXXX XXXX who posed under a false name XXXX XXXX thru XXXX totaling {$1900.00}. They were sent in payments of {$950.00} on XX/XX/XXXX & XX/XX/XXXX in order to secure an apartment for rent and were supposed to be the deposit and first month 's rent. I've sent tried to contact the scammer, XXXX and Fifth Third bank but was unable to reach an answer or a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America prepaid card holder services froze my account twice. The first time I verified my identity for both XXXX and Bank of America. They closed out my claims on my account because it was frozen then I had to wait for them to get all my identity documents and my account was unfrozen and my claims were reconsidered on the XXXX of XXXX. Come the ending of XXXX my money is still not back in my account and my account gets frozen again. And I have already verified myself with ID.Me for XXXX and Bank of America. They are still not unfreezing 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 monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XX/XX/XXXX To : XXXX XXXX XXXXXXXX XXXX XXXX Re : Select Portfolio Servicing, Inc. Loan # XXXX Letter dated XX/XX/XXXX, regarding requirement for XXXX XXXX  Please be advised that I was approved for a XXXX XXXX XXXX XXXX Loan on XX/XX/XXXX, said loan having been owned by XXXX since XXXX and serviced by XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX did not require XXXX  coverage until you purchased the loan on XX/XX/XXXX, and your servicer claimed they needed said coverage. 

I have spoken to XXXX in your servicer 's insurance department, and she indicated that this is an arbitrary requirement of their company. I have had mortgages on the subject property since XXXX, and I have NEVER been required to provide such coverage. 

As indicated, this is a Flex Modification Loan, approved with specific income guidelines. Because your servicer has indicated that this is an arbitrary requirement, that the property is not located in a Windstorm Zone ( Outside of 10 miles of the Atlantic Ocean ), and that said coverage would pose an extreme financial hardship to me, I respectfully request that this arbitrary requirement be waived. 

Sincerely, cc : Select Portfolio Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank sent letter dated XX/XX/21 stating they mailed cashiers check for {$150.00} for my timely submitted fraud because they closed account. I called us bank XX/XX/21 and XXXX could not find closed account or say information. I have not received my {$150.00}.

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 2021-02-16 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: Premium Credit Bureau
State: TX

Complaint narrative:
After reviewing my credit report, I noticed on XXXX a few unauthorized credit inquiries. I did not authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

Premium Credit Bureau- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: CA

Complaint narrative:
I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: MA

Complaint narrative:
CFPB, This is my fourth dispute over the past couple of months I have file in regards to Equifax, XXXXXXXX and XXXX violations and none compliance of the Fair Credit Reporting Act. Equifax, XXXX and XXXX continue to use stall tactic to not delete the inaccurate information on my XXXX XXXX XXXX account for the month of XXXX. Equifax continue to request information from me to prove my identity. I have on multiple occasions provided the complete requested information to prove my identity to Equifax most resent on XX/XX/XXXX. I have provided my drivers license showing my name, home address alone with my XXXX W2 form showing my name, home address and SSN to Equifax. 

CFPB, Equifax in my last dispute with this inaccurate account has used stall tactic accusing me of being a credit repair company and now for the second time they are stalling and refusing to delete this information by requesting information for my identity that I have provided multiple times to Equifax, XXXX and XXXX through my dispute with CFPB website I have provided the information requested multiple times. I have file other dispute resently with Equifax and have received response at my home address at XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. Equifax knows my identity this is willful stall tactic to not delete this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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:
I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Below is a list of items that are to be removed from all my report ( s ) OR accounts due to the information being in inaccurate. 
Names XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXXAddresses Addresses XXXX XXXX XXXX XXXX XXXX VA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX VA, XXXX Address ID # XXXX Multifamily Phone Numbers ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: TX

Complaint narrative:
1.On XX/XX/XXXX, through Discover Online Saving 's Transfer Money function, I initiated an ACH deposit of {$50000.00} from my XXXX checking account to Discover. Due to the insufficient fund in my XXXX checking account, this tranfer failed. ( From XXXX transaction : RETURNED ITEM FEE FOR AN UNPAID {$50000.00} ITEM - DETAILS : DISCOVER BANK ETRANSFER XXXX WEB ID : XXXX ). 

2. On XX/XX/XXXX, after I saw the transaction of XX/XX/XXXX transfer failed showed in Discover account, I made a {$50000.00} ACH deposit transfer from XXXX to Discover, and this time the {$50000.00} fund left XXXX ( XX/XX/XXXX DISCOVER BANK ETRANSFER XXXX WEB ID : XXXX ) and arrived Discover Saving on XX/XX/XXXX. 

3. On XX/XX/XXXX, I noticed from Discover account, Discover issued a reverse ACH deposit of {$500000.00} to XXXX without my authorization. I called Discover in the same day to check, and was told the reverse deposit is for the transaction I made on XX/XX/XXXX, even though they did not received any fund due to insufficient fund, they still somehow posted it in my account. Therefore, I was told nothing need to do as they already received the {$50000.00} ACH deposit on XX/XX/XXXX. Note : I never received any Reverse Deposit from Discover in my XXXX checking. 

4. On XX/XX/XXXX, I noticed that Discover issued another Reverse Deposit of {$50000.00} to my XXXX checking without my authorization again. I called on the same day again, and this time I was told a different story : The Reverse Deposit of {$50000.00} on XX/XX/XXXX is for the failed transfer on XX/XX/XXXX and I should received it in up to 3 business days. The previous Reverse Deposit on XXXX is for the transfer on XXXX! Again, I waited a week, no any Reverse Deposit hit my XXXX checking. 

5. I made 3 more following up calls to Discover to try to locate my {$50000.00} fund and the latest one is on XX/XX/XXXX with ref # XXXX. The latest they told me is that the {$50000.00} has left Discover and is with their " middleman '', and I have to ask XXXX to request it from this " middleman '' to get my money back! This is so ridiculous to me and to XXXX ( I talked with XXXX, they do not have such procedure ) .I tried so hard to ask help from Discover and ask them to escalate this BIG SYSTEM ISSUE to their upper management, and was told that all XXXX upper leaders at Discover provided the same solution, which is no solution and Discover has nothing to do to get the money back to Discover or XXXX. They refused to continue on my case. 

6. During the time of long conversation with Discover representatives, I also learned the similar SYSTEM ISSUE happened not on myself, but also other customers. I am so worried about my missing {$500000.00} day and night. As of today ( XX/XX/XXXX ), there is no any help from Discover and my money is just gone!!!

Company response to consumer: Closed with monetary relief