vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
XXXX reviewed my credit report and noticed a TD Bank credit card account that was not mine. I saw a New York apartment address associated with it. I have never had a New York address. Credit limit is {$2200.00}. Date open was XXXX. Status is current. Same day, I filed disputes with experian, XXXX XXXX XXXX. 

XXXX I read reports from all 3 credit companies and all three still had this TD account on my report. 

XXXX I called transunion and they said that they were convinced that the coping was mine because TD bank told them that when the person applied for the credit card that they supplied my name, social security # & address. Isnt that textbook identity theft? To me, thats not compelling evidence. 

I called TD bank and after 30 seconds of speaking with them they determined that this account was fraudulent after giving them my name, social security # & address. I was amazed that I could make this discovery in 30 seconds yet all three credit monitoring companies took two weeks to come to a different conclusion. The first person that unspoken to got me in touch with someone from their fraud department who said he needed to bring it to their credit card security team who would investigate and send me a letter in the mail. 

I then called XXXX and they told me the same common sense lacking information as transunion. XXXX told me to file a police report and a report here so that I could Provide them with proof that this account is fraudulent and then they would re-open their free investigation. Apparently they want you to pay for a real investigation. Im not a lawyer, but a report to the police or FTC is not proof- so I dont see how this changes anything. 

Thanks you any help that you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
After a call about faulty autopay features and a hopeful resolution, the company once again disabled my autopay and a {$30.00} total balance accrued a 70 dollars in late fees without any notice. I believed the entire card was paid off but only got notice after two billing cycles that there was a problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
filed bankruptcy chapter XXXX in XXXX did not include my mortgage which at the time was regions mortgage. my loan then got sold to select portfolio services ( SPS ) and since then none of my payment history or loan information is being reported on my credit bureaus. SPS says they need a reaffirmation affidavit to report and my bankruptcy attorney says they do not that they just choose not to report the payments. i did ask SPS for a payment history which they provided for the past 3 years and am grateful for them doing that. when i called XXXX credit bureau they said they can not use this to report to the credit bureau. so i am back to square one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: World Omni Financial Corp.
State: FL

Complaint narrative:
I checked my personal XXXX credit report on XXXXNoticed that this unauthorized inquiry had been made : -South east Toyota Fin. XXXX XX/XX/XXXX -South east Toyota XXXXXXXX. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSouth east Toyota Fin. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX I contacted ( South east Toyota Fin, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I am a XXXX XXXX XXXX  vet also the widow of a XXXX XXXX XXXX XXXX  veteran. I financed a home using my VA entitlement through rocket mortgage. 
As a veteran I am able to allow another veteran to assume my home mortgage using their VA entitlement and my entitlement will be restored. My daughter who is also a veteran with great credit and very able to afford the mortgage wants to assume my loan. The mortgage principle is 490k and it appraised for 580K. 
which doesnt really matter because the loan is being assumed as is. It remains the same from one vet to the other. 
Rocket mortgage refused to release my entitlement unless I paid them 26 thousand dollars first. I called the VA and was told that is not the policy of the VA. 
If I try to purchase a different home I will have to pay hundreds of dollars extra monthly for mortgage insurance and put down a large down payment. XXXX says it supports veterans. I certainly dont feel supported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is a follow-up issue to case : XXXX They didn't fix the previous issue but I found a workaround by sending auto payments through my bank. 

They are now claiming that my late fee has been refunded when it clearly hasn't. 

See attached for current state of my account. 

Email is a preferred means of contact. But ideally I can just have the late fee waved with no need for further contact and waisted time.

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 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My credit card was applied twice for a credit card I never applied for. 

AMEX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email AMEX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
I want to talk about my bank Chime. 
On Friday XX/XX/2022 on my way to work in XXXX XXXX, IL. I stopped at a local XXXX XXXX  to make a purchase using my XXXX. Approximately 5 minutes later someone at the XXXX XXXX located at XXXX XXXX XXXX a man withdrew 2 separate transactions of 400 $ each. 
The other store is about 20 miles from where I actually was and after seeing the charges I immediately contacted Chime and the police department. Well first Chime said I had to wait until the transactions both settled. 
So I decided to visit the store in XXXX to see if they could offer some help. The cashier told me around the time of the transaction a man was at the ATM for 7 minutes. Which the cashier stated was very unusual. I was sent video but since the mask mandate I can not make out the person. 
Today Sunday XX/XX/2022 the transactions posted. I sent all the information to Chime, the police report, my time sheet to prove I was 30 miles away, the video from the store in XXXX where my card information was used. Chime stated the ATM withdrawals were authorized and would close the dispute. I do not have any transactions in XXXX and I rarely withdraw over 200 $ from my account. Chime Bank didnt alert me to the charges and did not try to help me with any solutions. I just got my paycheck and we dont get paid for another 2 weeks and Chime seems to believe that because my PIN was used that it is authorized. With the various types of electronic bank fraud such as skimming the use of illegal machines placed at ATMs, there is a significant chance that someone cloned my card. However this bank seems to believe everyone is lying and doesnt care to help. Please please help us out with any type of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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:
I XXXX XXXX, recently checked my credit report, and discovered I been a victim of identity theft. Per ftc, I was advised to fill out an ftc report and provide my identification. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: FL

Complaint narrative:
I XXXX XXXX, recently checked my credit report, and discovered I been a victim of identity theft. Per ftc, I was advised to fill out an ftc report and provide my identification. Please see attached 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 non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
I had the XXXX XXXX with XXXX pay a house payment in XX/XX/2021 but they needed a W9 from Selene finance before they could help again it took from XXXX to XXXX before they would do there job and send the W9. This out everything bin a bind for all those months. The XXXX XXXX XXXX NC through XXXX sent another check for XXXX to get house caught up but the check has never been found. This is now XXXX. I was forced to leave house because XXXX is not a program for me but my husband who has XXXX. I was abused and had no choice but to go in a XXXX XXXX I have 45 days to get a place to live and I am XXXX. So low income housing I can't get unless this house is outy name. I have a buyer that wishes to buy the house but Selene finance again will not comply with a payoff email or anything the name of the bank that the loan is at or anything to help with this. They are shady and are stalling for whatever reason. I need your help. I have no car must email everything could have went back to house if Selene would have been willing to follow through with anything they should. They are by far the worse servicer of this loan that has been on it. Ease help me with getting the bank and the buyer together on this property so I can get it out of my name and on with my life. I shouldn't be XXXX because of a shady servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: Sezzle Inc.
State: NY

Complaint narrative:
Sezzle is reporting to the credit bureau that I owe them a monthly payment of 1500 dollars absolutely destroying my debit to income ratio

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX I was called 4 times by the same number, the 4th time I finally answered. It was the Wells Fargo customer service number, the one that is on the back of your debit card. The male on the line asked if I knew a XXXX XXXX out of XXXX with XXXX XXXX, and I said no, they asked if I was traveling and I said no. They assured me it was Wells Fargo by saying this is a recorded line and you can confirm because Im calling from the number on the back of your debit card. They said they have noticed some fraudulent transactions on my account. They said the froze my account and were going to work on getting my money back. I logged into my account said my funds were fine and they said we froze them so you wont see transactions, they continued to tell me they were going to help get my money back. They never asked for any of my Information, they even knew I had a savings account. They knew EVERY single XXXX  step on what I would be seeing and what steps were next. I ended up transferring {$1000.00}, {$1000.00}, and {$1000.00}. They sounded legit, even putting me on hold, I was getting an email with the name XXXX XXXX from XXXXXXXX XXXX  and XXXX XXXX XXXX at the same time all this was going on so I thought it was weird, and access codes. I fell for it, Ive been with Wells Fargo since 2001 and have never filed a claim of missing money and now they are denying my claim. A customer that was been with them for this long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I looked on my credit report and as well as my name someone else name is on my credit with different address, phone numbers, and as well as mine and inquires on my account that i did not authorize that is under the other persons name but on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I have obtained a police report regarding identity theft regarding items that I was not aware or responsible for and provided the information to all three credit bureaus. As a result the erroneous items were removed from my credit report. Today, XX/XX/XXXX, I received an alert from XXXX stating that I had a new collection report with the following information : Account name ALLIED COLLECTION SERVIC Account numbers : XXXX XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX. 
Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX When I called the collection company, Allied Collection Services, they were unable to open the account and provide specific information. This was a violation of the Fair Reporting Act. They seemed to have purchased a list and filed two fraudulent collections claims against my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I contacted Transworld to advise them that I paid this debt in full to the hospital, XXXX XXXX. However, this is still reporting on my credit report which is inaccurate.

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

Complaint narrative:
I have disputed this issue with Trans Union, The reporting account was properly varified by the original creditor as belonging to someone else. The person has a similar name. I have never been married nor had any other last nam. Trans Union had well over the time allowed of 30 days and refuse to acknowledge this issue. According to the FCRA, the inaccurate information must be removed. And as of today, Trans Union has ignored my rights to fair reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: TN

Complaint narrative:
Fox Collection Center is trying to get me to pay the amount of {$470.00} in lieu of XXXX XXXX XXXX. I have contacted XXXX and I am XXXX therefore I am not required to pay any debts sent over to collections. XXXX at Fox Collection Center has been calling me at least 3 times a day since XXXX of 2021 to pay this balance and I have repeatedly told her that I am not responsible and she would get smart telling me I need to contact my insurance carrier. Now there is someone named XXXX calling from the office as well. The bill was sent out on XX/XX/2021. The last call came in yesterday afternoon.

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

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity being reported to the credit bureaus. I asked that the items be deleted immediately as I am a victim of identity theft. I am also requesting that you stop reporting fraudulent information as I have reported the theft of my identity to the Federal Trade Commission. Please delete the fraudulent information off my report as it is reflecting poor credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity being reported to the credit bureaus. I asked that the items be deleted immediately as I am a victim of identity theft. I am also requesting that you stop reporting fraudulent information as I have reported the theft of my identity to the Federal Trade Commission. Please delete the fraudulent information off my report as it is reflecting poor credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I am the personal representative of my sister 's estate. When preparing to sell her home I discovered that PHH Mortgage had been charging her for insurance that was already being paid by her homeowners association. PHH Mortgage has since closed the mortgage with the home sale but has not refunded the overcharges for unnecessary insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
The USAA Federal Savings Bank will not close three ( 3 ) Fraudulent Accounts that are XXXX Credit Card Accounts This illegal criminal assault on the Claimant ( XXXX XXXX ) excellent Credit Score and Financial Securities catastrophic losses of {$10000.00} US Dollars or more due to the nature of cybercrime since this horrific onslaught has not ended since XX/XX/XXXX This was aggressively attacked by XXXX XXXX XXXX XXXX that obtained the fraudulent report from XXXX by the USPS AT HIS HOME ADDRESS AND THE XXXX AND ANGER THAT THE USAA BANK FRAUD RECOVERY TEAM ( XXXX XXXX AND XXXX XXXX  ) MEMBER ADVOCACY REFUSE TO PROVIDE THE CRIMINAL INVESTIGATION THAT MUST BEGIN IMMEDIATLY BY A REPORT THAT WILL VERIFY THE TELEPHONE CONVERSATION BY SENIOR USAA BANKING OFFICIALS THAT ON XX/XX/XXXX THE FBI REPORTED THAT THREE ( 3 ) UNAUTHORIZED ILLEGAL XXXX CREDIT CARDS WERE ISSUED WITHOUT THE CLAIMANT XXXX XXXX PERMISSION AND THIS IS OUTRAGEOUS THAT EMPTY PROMISES HAVE NOT BROUGHT CLOSURE TO THIS ANTI-TRUST VIOLATION OF USAA FEDERAL SAVINGS BANK INVESTIGATE WITH IMPUNITY AND DO NOT IGNORE THIS REPORT TO THE XXXX XXXX XXXX XXXX AND THE BOARD OF DIRECTORS OF MY 28 YEAR MEMBERSHIP THAT IS TERMINATED AS OF XX/XX/XXXX TERMINATE ALL FRAUDULENT XXXX CREDIT CARDS IN THE NAME OF XXXX XXXX XXXX AND ERASE ALL INFORMATION OFF THE USAA WEBSITE FOREVER AND EVER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation