vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
I opened a XXXX XXXX account for a new phone that I purchased. It just so happened that TD Bank was the credit company for them and Ive had nothing but a horrible experience as XXXX of their customers. It feels like since they are a third party for XXXX that they could care less about placing the customer first. I got on their payment platform and created my account to set up auto-pay like I do for ALL my other credit cards Ive used. Have had no issues with others except TD Bank decides that my checking account isnt valid for them to take payments even though it was entirely correct ( They can confirm with my credit union ). They started sending me several letters in the mail stating my payment wasnt being made and that I needed to pay. So I call them and explain the situation and none of their representatives offered any help at all. They had waived XXXX NSF charge for me but then the same issue kept happening where they werent taking my payments for auto-pay. So I complained more about these additional NSF and late charges they put on my account and they refused to offer any resolution. I decided since I was entirely done dealing with these people and this horrible credit company that Id pay my full balance and be done with them even though I had promotional interest. Well, I made my final payment and apparently they had payment issues so it took weeks for it to get fixed and then they simply reversed my payment and also sent me a check in the mail without notice. I cashed the check but then they reversed that too. At this point I was lost with what my account balance was or supposed to be and what I owed. They also refused to give any help or resolution the dozen times I called. So Im sure they have charged me a lot more than I actually owe them which is hard to tell based off how messed up my account is now. They also almost cost me losing out getting into my first home because I had paid them off but my payment was pending for so long it was hurting my debt to income and they refused to put a stop on the payment so my mortgage company could pay it off in closing. They literally put me through so much stress and frustration I was starting to have an anxiety attack and had leave work. Emotionally this has been awful. I just hope you can please provide a good resolution. I have all the dates for these charges listed below. 

XX/XX/XXXX Late charge assessment : XXXX XX/XX/XXXX NSF Charge : XXXX XX/XX/XXXX NSF Charge : XXXX XX/XX/XXXX NSF Check Charge : XXXX XX/XX/XXXX Late Charge Assessment : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: LEXISNEXIS
State: IN

Complaint narrative:
XXXX tired of going back and forth with lexis nexis about my own privacy. Not only do they continue to report my personal informtation without my consent, they never informed me i have the option to opt-out and grabing my personal information for their own personal finical gain since before i was of legal age to sign any thing. Their finical gain off my persoanl life is hindering my ability to put my children and myself in a better living situation. I do not qualify for a new home or a new car for my childern without having adverse reaction on all applications due to XXXX XXXX and the rest of the gang " all CRA 'S '' including XXXX, XXXX and XXXX. Not only are all of these companies making hand over fist off my personal information. They are putting me and my childrens life in danger by reporting my personal addresses that i did not give consent to. I am a victim of domestic XXXX, stalking and threats with a deadly weapon. Yet these companies disregard any permissible purpose by grabbing this information for thier own monteary gain. These companies never properly investigate my disputes and continue to send automative messages back to me and never send the proper requirments following my Cease and desist. At this point these compaines are slandering my name. All these companies ganging up aganist me like a XXXX case, with intent and reckless regard to defamatory of my character is making my life XXXX. I have to work more hours and spend less time with my children. XXXX stressed out from the blant disrespect. I cant even give my children the XXXX they deserve because of my character being slander through all these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2019 Wells Fargo sold my family home in an auction claiming that paper work was mortgage transfer was not submitted on time. I explained that o was handling everything out of state due to the fact that my family member was sick and XXXX so I was not in XXXX at the time during this process but I was communicating and in correspondence with everything they asked of me.

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In the year XXXX I requested an automatic payment plan be put in in place on my credit card. The customer service representative, I assume, made a mistake and the payment was not processed. In addition, the address was changed to a wrong address. As a result I did not receive account statements and was unaware the payments were not being applied until they were over 60 days late. Only after balancing my checkbook did I discover the bank had failed to draft my account. 

I called customer service a second time. I found out then about the erroneous address and asked that it be corrected. I asked a second time for an automatic payment be placed on my account and was told it was successfully put in place. I was also told by customer service that because it was the fault of the bank my credit report would not be affected. I made a payment by phone for the outstanding balance. 

After balancing my checkbook again I discovered the bank had failed to process the automatic payment the second time and I was over 60 days late paying the account. I called the bank again ( a third time ), found out the erroneous address had still not been corrected and asked again that the automatic payments be processed as agreed. On this third attempt the customer service representative was successful at implementing the automatic payments. The address change was not correctly performed this third time but I moved addresses a few months later and that address was correctly changed. At this third phone call I was reassured by the customer service agent that this was the fault of the bank and my credit report would not be adversely affected. 

I have tried to fix the erroneous reports with the bank on multiple occasions. I have since been told that although the address was incorrect I still should have received the statements ( that defies logic in itself ) or that the bank received the statements returned ( again, that would be out of my hands ). I have also been told that the company DOES NOT perform automatic payments even though the account has recently been paid off in full using exactly that process. 

I filed disputes with all three credit reporting agencies in XXXX. Chase took over 30 days to respond to my request. For that reason alone the bank should honor my request to have derogatory information removed from my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: MA

Complaint narrative:
i have costanly told experian XXXX and transunion that the inquirys that have no connection or that or not linked to an account should be taking off my report i didnt do it im having fraude going on because of the breach that happen with XXXX my info has been found over XXXX times and i dont know how to stop this

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 2022-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
Got really behind couldnt make my payments they wouldnt help me at all, always texting me and calling my job sent a cease letter to stop all communication and they still sending me collections mail letter www delivery XX/XX/22 was written XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
Background Information : My father, a XXXXXXXX XXXX, had a reverse mortgage through PHH Mortgage. He died XX/XX/XXXX from XXXX  XXXX. My Mom fought through endometrial XXXX and XXXX XXXX in XXXX while my father fought and lost his fight from XXXX  XXXX. In XX/XX/XXXX, my Moms endometrial XXXX returned. My sister and I became her power of attorney and spoke to PHH Mortgage in XX/XX/XXXX. We explained that our Mom was traveling back in forth from the home that she shared with my father in XXXX, SC ( property with reverse mortgage ) to where we both stayed in XXXX XXXX, SC. PHH Mortgage explained that we needed to send a letter from her doctor along with the power of attorney. We emailed all of this information along with our names and contact information on XX/XX/XXXX. My Mom was labeled terminal in XX/XX/XXXX and died XX/XX/XXXX. Both my sister and I are trustees of her estate. My sister was contacted on XX/XX/XXXX on XXXX by an attorney who notified us that she was contacting us on behalf of the buyer of the foreclosure sale of our parents property in XXXX, SC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX on XX/XX/XXXX. 

Complaint : 1. There was no communication to us ( either my sister or I, both of us were listed on the power of attorney ) even after the power of attorney was sent.

2. PHH Mortgage used improper communication and incorrect foreclosure process according to SC code XXXX. 
In the instance of an execution to a sheriff in which personal property must be seized and sold in a judicial sale, the procedure and terms of the sale are dictated by another set of rules found at 15-39-610, et seq. Where the sheriff is responsible for the execution, he must specify " in an advertisement the property to be sold, the time and place of sale, the name of the owner of the property, and the party at whose suit the sale is to be made. '' ( XXXX ). The advertisement should be published at three public places in the county, one of which should be the courthouse door, and another in a newspaper, for a period of fifteen days prior to the day of sale ( XXXX, XXXX, and XXXX ). Additional particulars of sheriff 's judicial sales are set out in Chapter XXXX, XXXX XXXX, at XXXX, et seq. 
The sale was posted in the newspaper on XX/XX/XXXX with is not 15 days prior to the day of sale. 
Was the sale advertised for three ( 3 ) weeks immediately preceding the date of the sale? 
The sale ( XX/XX/XXXX ) was not advertised for XXXX weeks We feel that these unlawful intentional XXXX disparities have been occurring more in rural/minority controlled areas for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors are reporting inaccurate information and have violated my rights for these accounts : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-12-21 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-21 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX Balance {$24000.00}

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, current address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have 2 credit cards with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  I have all paid these cards for months, I use them and pay, however, in XXXX I downloaded my credit report because XXXX XXXX  did not report my payments to the credit bureau, I called the bank and they told me that they were changing the system and that I had to errors and they would fix it soon, then they updated the information. Today, XX/XX/XXXX, I receive an experian alert where I lower my credit for not paying the XXXX  and XXXX  card. and always paid them up to date. review and they do not report since XXXX and XXXX respectively. It is as if I did not pay up to date and my credit goes down instead of going up. Please can you help me.

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 2022-12-21 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: IN

Complaint narrative:
Im tired of going back and forth with XXXX XXXX about my own privacy. Not only do they continue to report my personal informtation without my consent, they never informed me i have the option to opt-out and grabing my personal information for their own personal finical gain since before i was of legal age to sign any thing. Their finical gain off my persoanl life is hindering my ability to put my children and myself in a better living situation. I do not qualify for a new home or a new car for my childern without having adverse reaction on all applications due to XXXX XXXX and the rest of the gang " all CRA 'S '' including XXXX, Equifax and XXXX. Not only are all of these companies making hand over fist off my personal information. They are putting me and my childrens life in danger by reporting my personal addresses that i did not give consent to. I am a victim of XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX. Yet these companies disregard any permissible purpose by grabbing this information for thier own monteary gain. These companies never properly investigate my disputes and continue to send automative messages back to me and never send the proper requirments following my Cease and desist. At this point these compaines are slandering my name. All these companies ganging up aganist me like a XXXX case, with intent and reckless regard to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have to work more hours and spend less time with my children. Im stressed out from the blant disrespect. I cant even give my children the XXXX they deserve because of my character being slander through all these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Im tired of going back and forth with XXXX XXXX  about my own privacy. Not only do they continue to report my personal informtation without my consent, they never informed me i have the option to opt-out and grabing my personal information for their own personal finical gain since before i was of legal age to sign any thing. Their finical gain off my persoanl life is hindering my ability to put my children and myself in a better living situation. I do not qualify for a new home or a new car for my childern without having adverse reaction on all applications due to XXXX XXXX and the rest of the gang " all CRA 'S '' including Experian, XXXX and XXXX. Not only are all of these companies making hand over fist off my personal information. They are putting me and my childrens life in danger by reporting my personal addresses that i did not give consent to. I am a victim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Yet these companies disregard any permissible purpose by grabbing this information for thier own monteary gain. These companies never properly investigate my disputes and continue to send automative messages back to me and never send the proper requirments following my Cease and desist. At this point these compaines are slandering my name. All these companies ganging up aganist me like a XXXX case, with intent and reckless regard to defamatory of my character is making my life XXXX. I have to work more hours and spend less time with my children. Im stressed out from the blant disrespect. I cant even give my children the XXXX they deserve because of my character being slander through all these companies.

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 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo has sent me in circles to a dozen different phone numbers and XXXX different departments while refusing to honor their XXXX XXXX on XXXX XXXX incident in my credit card. They refused to provide the audit for the XXXX XXXX  to analyze the difference between fraud, fees, & actual debt monies. 

They have moved my speech XXXX and my XXXX name XXXX. 

They have ruined my XXXX score Down below XXXX. 

They have refused to honor the cease and desist I sent them even though they said they would. 

Nobody in the advocacy dept or the executive dept/case managers are in touch with their senior leadership team and their board dose not oversee their liabilities escalation personnel. 

They have used aggressive tactics in an attempt to collect the debt and they have resorted to sending blank voicemails and they have offered my personal identity information on phone calls without me first verifying my identity. 

They are rude and have laughed at and talked over my 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 explanation