vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Orion Capital Solutions LLC
State: AL

Complaint narrative:
XXXX XXXX with Orion Capital Solutions contacted my husband multiple times regarding a loan from XXXX XXXX that is in my name and threatened to sue him over my debt. The loan was taken out in my name only, no cosigner and we don't share bank accounts etc ... My husband politely told him that he did not believe he could do that, and XXXX told my husband that he was wrong and if it wasn't paid within a few days, the were going to come after him. He called me today, stating that he talked to my husband yesterday and that since I did not contact him immediately, they were going to move forward and take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: OR

Complaint narrative:
I refinanced in XXXX and the old mortgage servicer has not refunded my Escrow balance. 

I've contacted them over a dozen times and each time they claim checks have been mailed, but I've received only two letters from them : An escrow summary ( with no check ) in XXXX and an acknowledgement of a request for investigation on XX/XX/20. If they can send me these letters, I don't understand why a check would not reach me if it had indeed been sent so many times.

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 2021-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I purchased a XXXX XXXX with XXXX XXXX issued by TD Bank , N.A . on XX/XX/XXXX for {$3600.00}. On XX/XX/XXXX, I started having issues with the Treadmill and have continued to have similar issues to present day. I have reached out over 20 times during that period of time to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, subsidiary of XXXX. They have either not responded or provided a response with a resolution that does not solve the issue. When I let them know the resolution does not work, they do not respond any further. It has happened multiple times and my treadmill does not work. I submitted a finance dispute in XX/XX/XXXX with the TD Bank since the purchased treadmill was not working and I was not receiving any support or service. I received one phone call and no letters or other communication during their investigation. I called TD Bank again today because they will not respond in their inquiry system online, but they do not email or call, and the wait times are well over an hour or they don't answer. When speaking with them today, they let me know they made a final determination to my dispute on XX/XX/XXXX but I have not received any communication regarding this. They said a letter was sent but have no proof of that. Their determination said that XXXX determined my internet is the problem. During the pandemic we have all been at home and working from home with internet. I have also had message conversations online and emailed XXXX as well as I am online filling this out now. I have questioned TD Bank how that was determined, and they can give me no further information, but a final decision has been made. I would like to file a bad faith complaint against XXXX and TD Bank as they are taking advantage of consumers and not providing support or service when their service or product is not working.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: KS

Complaint narrative:
I have tried disputing this charge because I have no knowledge of this bill whatsoever. The company name is CONSUMER ADJUSTMENT CO. Saying that I owe almost {$2000.00} and won't take it off my credit report. There contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I've tried calling and no one will call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: CA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On, XXXX add a hard inquiry on my credit reports.

On, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

On, XXXX XXXX XXXX add a hard inquiry on my credit reports.

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 2021-01-08 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: CA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On, XXXX add a hard inquiry on my credit reports. 
On, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On, XXXX XXXX XXXX add a hard inquiry on my credit reports.

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 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I opened a new checking account and request a new debit card from Bank of America. 

On XX/XX/XXXX, USPS informed me that I was going to received a mail from Bank of America ( as in the attachment ). I supposed this is the new debit card the bank sent me ; however, I have never received the mail. 

On XX/XX/XXXX, I received an email from Bank of America that someone used the new debit card to withdraw {$1000.00} from ATM and purchase {$1500.00} of electronics ( as in the attachment ). I immediately reported the fraudulent charge to the bank. 

On XX/XX/XXXX, Bank of America provided me a temporary credit of {$1000.00}. 

On XX/XX/XXXX, Bank of America declined my claim and reversed the temporary credit ( as in the attachment ).

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 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMERCE BANK
State: MO

Complaint narrative:
To whom it may concern, On the date of XX/XX/2021 I XXXX XXXX XXXX am submitting this complaint because commerce bank has taken my stimulus money. The amount of XXXX was taken from me to balance the overdraft fees of XXXX leaving XXXX cent in my account during this time I had submitted a complaint in reference to overdraft fees this is a new and completely separate complaint and it's illegal for commerce bank to take my stimulus money in this situation they should have rejected the payment and the government would have sent me a official check. Now I will get legal services involved free of charge though the CFPB information hotline, veteran affairs, or other means to obtain this money if commerce bank refuses to comply with the complaint resolution I will state in the complaint process. 

Very respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: American Financial Resources, Inc.
State: IL

Complaint narrative:
i have asked for them to remove my pmi and they wrote back saying no. even though we had never missed a payment or late and our home is worth a lot more then when we bought it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I entered into a consumer transaction with Navy Federal. A Finance Charge was included in this transaction. According to the Truth in Lending Act the Finance Charge is the sum of all charges. Navy Federal violated Federal Law by coercing me to pay a monthly bill. Navy Federal did not disclose my right to rescind which is a violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TN

Complaint narrative:
I recently filed a complaint regarding this account and received a letter in the mail from the debt collector asking me to fill out this affidavit. Please find the attached affidavits for accounts XXXX and XXXX. I did not open these accounts nor did I approve of them being opened. Attached to this complaint is the paperwork from the debt collector, the FTC affidavit of identity theft and a copy of my photo ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 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:
I have called Experian since XX/XX/XXXX once a day for the past 2 weeks. I need to remove remarks or any type of verbiage on two accounts in my credit report in order for me to be able to refinance my home. Every time I call they say it takes about 24-72 hours to process and for remarks to be removed. Every time I call back to double check that they have removed them, they say it has not been completed. So basically it was never done! I called again to double check since I am paying {$60.00} each time my lender goes in to pull the credit report and its still there. It is now XX/XX/XXXX and once again the remarks are still there and this time I asked to speak to a supervisor ONCE more and was placed on hold for 48 minutes and hung up on. No one ever came to the line. Now I can NOT refinance my home because no one is doing their job at Experian and have paid {$180.00} and wont be getting none it back!

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 2021-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Nations Direct Mortgage, LLC
State: GA

Complaint narrative:
I started this process back in XXXX when the pandemic affected my financial life. I was placed into a forbearance from XXXX through XXXX. Once I was back on my feet with income the lender received a loss mitigation package for a modification review. I was told in XX/XX/XXXX that my file had been moved to the underwriting dept for the final review. A weekly update has been made on my file and escalations after the initial 30 day review turned to 45 and then 60 days. Due to the lender not updating my file, I decided to on XX/XX/XXXX just to resubmit. Documents were requested and received by the lender within 48 hours per request. on XX/XX/XXXX the file was deemed complete we were told by representative XXXX XXXX that the file was pending approval and the documents for the trial agreement were in the process of being drawn up. XX/XX/XXXX additional documents were being requested. The weekly updates on XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX XXXX XXXX XXXX requested information on the timeline for the decision ( no call back ), XXXX with XXXX XXXX # XXXX XX/XX/XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX #, XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX XXXX # XXXX called back XXXX XXXX XXXX # XXXX requested supervisor for a call back XXXX XXXX Supervisor ( no call back ), XXXX with XXXX # XX/XX/XXXX who tried to get a team lead to speak with me and was not able to find one requested team member team lead XX/XX/XXXX There has been no response other than one letter dated on XX/XX/XXXX indicating that an investigation still had yet to be completed on the file, yet it appears not one rep, team lead, or supervisor can state what the investigation is? It feels like a sabotage. Not one rep, team lead or supervisor seems to be able to help. I need to know what the next step is so that I do not lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I called Macy 's to settle an old account I had with them. I asked them how they preferred payment, and they told me to send a money order to Macy 's, XXXX. XXXX XXXX, XXXX, KY XXXX. I did exactly as I was directed. I called them a few days later and was told that I should have sent it to XXXX. XXXX XXXX XXXX, AZ XXXX. I went and got another money order and sent it to that address. Macy 's has made me pay for this account twice. Please make them delete the account from my credit, and refund me one of the 2 payments I've made to them Immediately! I'm happy to pay them what I owe them, but not twice!

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 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i have wrong names inaccurate spelling of my name alias names and wrong previous addresses

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 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
hello. My issue is the Company called XXXX XXXX reported wrong inaccuracies to all three Bureau 's and instead of the deleting it off of my credit report they did nothing at all. I contacted XXXX, Transunion, and also XXXX about this matter and asked for it to be removed due to inaccuracy have constantly tried to understand why is this still affecting my credit report when it has previously reported incorrect and inaccurate information. I am saddened by this matter and if you could assist me with this matter I would greatly appreciate you for it. enjoy the rest of your evening.

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 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NH

Complaint narrative:
we already have a loan that is currant and want to reduce the % rate as advertised by the company we have our loan with and they are denning us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have attempted to register for myEquifax multiple times to view my report and open a dispute ; every single time I get the error message : We are temporarily unable to connect to our services Please try again later I called Equifax on XX/XX/2021 for assistance in registering and they told me that my e-mail was not valid and that Equifax 's system couldn't use it. My e-mail is valid and the Equifax system should recognize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Automatic Data Processing, Inc.
State: UT

Complaint narrative:
First paycheck from XXXX, as an employee, is being withheld because can't confirm if they mailed a check or not. I set up direct deposit information but they can't confirm if the funds were electronically delivered either. I have neither received the funds electronically or by mail. I have informed delivery through the USPS and can confirm constructive receipt of all parcels in the past 10 days. No correspondence is identifiable from ADP has been sent or delivered. 

I have contacted them 3 times for a total of 3 hours and have been promised escalated attention 3 times. No one has called me to resolve. I am now 10 days beyond when I should have received the check. They have given 3 separate answers to why they don't know what happened, all of them ending with " we don't know if it was mailed or not '' but a supervisor will call you and research it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank has been lowering the credit limit on some of my accounts without cause. They send a notice via email stating cause from a credit reporting agency. They lower the limit and then report it to the bureau which affects my scores. The scores drop and they do it all over again. I do not pay late and most cards are on autopay with more than minimum amount. They have done this four times to me in the last 6 months.

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 2021-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I sent a wire in the amount of {$5100.00} on XXXX XXXX from my business account with XXXX XXXX to a subcontractors account at Wells Fargo. He never received the funds. After three weeks of tracing the wire. Wells fargo advised the funds where on hold on their side. They requested documentation from my subcontractor which I have provided. It has been over a week and I have placed multiple calls to my bank who then reaches out to wells fargos wire department and they have gotten no where. I recalled the wire a few weeks back and I still dont have my money!

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 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
Grossly mismanaged escrow account by Caliber Home Loans. Paying more than one homeowners insurance company in full for the year causing an escrow shortage despite multiple attempts to cancel the insurance we switched from. Consistent escrow shortages and estimations resulting in highly fluctuating payments. Inability of customer service representatives and supervisors to provide any consistent message on the variability of payments and fluctuating escrow balances. We highly suspect intentional mismanagement and fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I WANT TO SUBMIT A FORMAL COMPLAINT WITH CREDENCE RESOURCE MANAGE/XXXX. THERE IS NO ORIGINAL SIGNATURE FROM ME BECAUSE I HAVE BEEN A VICTIM OR IDENTITY THEFT. CREDENCE RESOURCE MANAGE : {$730.00} NO KNOWN ACCOUNT NUMBER SUPPOSEDLY OPENED XXXX OF 2019. THERE IS NO ORIGINAL SIGNATURE FROM ME BECAUSE I HAVE BEEN A VICTIM OF IDENTITY THEFT ...

Company response to consumer: Closed with non-monetary relief