vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I wish to complain about the mortgage loan with TD Bank USA, which was obtained XX/XX/XXXX and paid on consistently until XX/XX/XXXX at which time I met a hardship due to unemployment. I have made efforts at bringing the loan current and getting a modification. I was able to get the lender to agree to a modification trial period however the issue is the principle balance increased by XXXX XXXX dollars and the home was never in default nor did the loan ever reach 90 days late. Furthermore, the payment process was severely hinder by denying online access and combined with phone payments not being applied to my loan and requiring multiple attempts to get the XX/XX/XXXX payment applied to my loan. I seek relief from the disruptive and oppressive practices the banking processes with TD Bank USA mortgage department. 
I have not received a written explanation of the reason for the increase of mortgage principle and the verbal explanation was the lender did not want to confuse me or the numbers were being processed and i would be notified when the modification was finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2019 I received a letter from chase containing the following text : " We can't locate the transaction information you requested. 
If you have additional information, please contact us as soon as possible. We'll open a new request and try to locate the transaction with that information. '' When I informed Chase that its letter was vague and has not identified any specific requests from me. Chase 's response was equally vague : " The letters you received from us were the result of questions raised in the online secure message center that we were not able to address with the information provided " My current question to Chase 's response is he following : Which question or questions raised in the online message center that Chase 's referring to in its response were the results of the letters being sent to me, I would like to know the date, time, and the completed text of the secured message that Chase is referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I pay my credit card off and USAA constantly puts my payment on hold for 7 days and it clears my Credit Union within 24 hours of being submitted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
It shows on my credit report that I have a debt balance of XXXX for a medical bill originally from XXXX XXXX. This debt does not state my name, address and what this debt is specifically for, in which this debt is unverifiable and I would like proof that this debt is actually mine or could be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I was contacted by Sunrise Credit Services by letter in regards to a debt to XXXX XXXX XXXX I called as soon as I received the letter to dispute and was told to submit an email to that effect and I did a few days latter. In the letter I informed them that this was the second time I received a notice about a debt and that I did not owe it and updated my address and included my phone number in a letter dated XX/XX/2020. 
I assumed that they contacted XXXX XXXX XXXX and discovered what I had told them was correct because I returned the phone to them during my free look period after only having the phone about 10 days. The phone was returned because of poor reception in my area. Since my email I have not received any more letters or any phone calls. Nor did i receive verification of the debt. I received a message that my credit rating was dropped and inquired to find out Sunrise had reported it to my credit report as a collection. Causing a stain on my perfected credit rating.

I ask that the collection be removed from my record and to be sent verification of the debt. I now have a different phone and my carrier is XXXX XXXX XXXX I believe they would have told me about this bill before allowing me to get service with them. 
I contacted XXXX XXXX XXXX and was not told that there was no balance due.

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 2020-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
Received credit file notification of a collection account in association from XXXX XXXX XXXX in association with XXXX for an account at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I had never resided at that address nor had I ever done business with XXXX. I own a home at XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX and only XXXX is available in my area. I never received any type of contact in the mail or otherwise about this issue until it was on my credit report. I since disputed this for being a fraudulent account and the account was removed as a result of the dispute. 

Then two months later, I found that now Credence Resource Management that now in XXXX Credence Resource Management has reported a collection for the same amount by XXXX. I also, still have not received a written notification. Information that appears too associated with the said account is the same that has been successfully disputed as fraud. I have mailed a notice and have not heard back but it is again not mine. I am not the only XXXX XXXX, my father and uncle are also XXXX XXXX, though they do not live in XXXX. But there is also a XXXX XXXX of XXXX, WA that is close to XXXX as well. Either way, I have filed an identity theft claim in XX/XX/2019 because of fraudulent accounts and again I reaffirm that this account has nothing to do me, XXXX XXXX XXXX of XXXX XXXX, WA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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 recently checked my credit and noticed many accounts that I do not recognize such as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX etc. I have never authorized any of these accounts nor done business with them. I believe someone has been using my information to get credit and things with it and now my credit is destroyed. Please help me get this matter resolved and my credit cleared as you will see these do not belong to me. 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 2020-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
On or about XX/XX/2019 I ordered a vacuum cleaner from XXXX XXXX XXXX, XXXX XXXX XXXX wi XXXX through there preapproved creit catalog, I was very displeased with it and returned it to them by mail with the postal stamp that came with it, One week later they started phoneing me and sending me a bill for {$7.00} which now is & XXXX .... This has been going on well over 8months, I have contacted them many times to tell them that I am not send them money I donot owe, they continue to send me threating bills and phone calls, I have reported this to the XXXX as well, please help me to stop this harassment for happening on a weekly basices. 

SINCERLY YOURS, MR , XXXX XXXX XXXX

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

Complaint narrative:
I recently checked my credit and noticed many accounts that I do not recognize such as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX etc. I have never authorized any of these accounts nor done business with them. I believe someone has been using my information to get credit and things with it and now my credit is destroyed. Please help me get this matter resolved and my credit cleared as you will see these do not belong to me. 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 2020-02-09 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 recently checked my credit and noticed many accounts that I do not recognize such as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX etc. I have never authorized any of these accounts nor done business with them. I believe someone has been using my information to get credit and things with it and now my credit is destroyed. Please help me get this matter resolved and my credit cleared as you will see these do not belong to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
It shows on my credit report that I have a debt balance of XXXX for a medical bill originally from XXXX XXXX. This debt does not state my name, address and what this debt is specifically for, in which this debt is unverifiable and I would like proof that this debt is actually mine or could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have a PNC Everyday Rewards card that I earn cashback on. My cashback has started to " expire '' and I am now losing that cashback. In order to cash-out, the minimum is 100 % which is difficult if your cashback is expiring. There's no easy place or location to see this rule nor is it transparent to me as the consumer as to what is the expiration period and how long it goes back. 

As an example, my most recent history statement, I started with {$85.00} going into the month. I earned {$10.00} but my new balance is only {$88.00}! 

I have tried contacting PNC to request an early payout but they said there was nothing they could do. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: CREDIT WORLD SERVICES, INC.
State: OK

Complaint narrative:
Credit World Services reported a debt for education that was paid with student loans .They have not reomed the 2 entries from my credit report instead they are charging interrest of 30 % on the debt. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX I was not ever notified of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: WA

Complaint narrative:
I placed an order with XXXX XXXX XXXX  utilizing XXXX. In XXXX, I notified them that I still had yet to have received the product and to date -- I still have never received the product. I notified XXXX in XXXX of 2019 that my account was still showing a balance when I had never received the product. They then reported inaccurate late payments ( that were never owed ) because I never received the product. I notified them both in writing and email yet received no response. Later I found that the account was sent to collections to Afni and now they state that, that I can only dispute with Afni. Afni never mailed me initial notification that they received the collections. I have contacted Afni via email but still have not received any communication in the mail. 

I never received the product and thus no balance was owed. Both XXXX and Afni need to remove this as a delinquency / collection considering the product was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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 went to try to get a car and they said my credit wasn't strong enough which is strange because I haven't used my credit in over 10 years. After taking a look at my credit report and noticing many collection accounts which were never incurred by me nor have I ever done business with these companies by the names of XXXX XXXX, XXXX XXXX XXXX   and XXXX XXXX XXXX. They seem to be medical bills and XXXX XXXX neither which I have had any dealings with. I believe someone has been using my information to obtain credit or medical care without my consent. Please assist me in this matter in getting these items off of my credit. Thanks in advance.

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 2020-02-09 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: OR

Complaint narrative:
This is a complaint against Transunion for inaccurate credit reporting. Collection agency is XXXX, original debtor was XXXX for the amount of {$340.00}. The total amount was paid, by me, to collection agency XXXX in the amount of {$340.00} ( including XXXX fees of {$4.00} ) in XX/XX/2019 and the amount was posted as a debit to my bank account on XX/XX/2019. XXXX has sent my final statement showing the full amount of {$340.00} has been paid, amount due is XXXX, statement dated XX/XX/2019. XXXX has removed this negative mark from my credit report but after numerous disputes, Transunion will not remove it.

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

Complaint narrative:
I went to try to get a car and they said my credit wasn't strong enough which is strange because I haven't used my credit in over 10 years. After taking a look at my credit report and noticing many collection accounts which were never incurred by me nor have I ever done business with these companies by the names of XXXX XXXX, XXXX XXXX XXXX   and XXXX XXXX XXXX. They seem to be medical bills and XXXX XXXX neither which I have had any dealings with. I believe someone has been using my information to obtain credit or medical care without my consent. Please assist me in this matter in getting these items off of my credit. Thanks in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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 went to try to get a car and they said my credit wasn't strong enough which is strange because I haven't used my credit in over 10 years. After taking a look at my credit report and noticing many collection accounts which were never incurred by me nor have I ever done business with these companies by the names of XXXX XXXX, XXXX XXXX XXXX   and XXXX XXXX XXXX. They seem to be medical bills and XXXX XXXX  neither which I have had any dealings with. I believe someone has been using my information to obtain credit or medical care without my consent. Please assist me in this matter in getting these items off of my credit. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I was charged with a debt that was covered by XXXX XXXX XXXX, XXXX I sent all the information to the Collection Agency and made the claim here in the CFPB, I received all your help and the debt was removed from my credit report, after some months they apparently sold the debt to a Law Firm and now they are reporting the debt again, I sent to the law firm all the info so they can make the research and be paid by XXXX XXXX, they didn't answer to me, they didn't call, or send a letter and they put the account in collection again.I had a good credit score, I take care of my credit because I have financial goals to improve my family life and this people just put an account on collection without making the research and do their work properly affecting my family, without any respect, of course they don't care about the consequences for me and my family since is not theirs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09 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 have disputed inaccuracies on my credit report to experian multiple times over the past year including in writing in XX/XX/XXXX, as well as electronically. XX/XX/XXXX I received dispute results Report # XXXX. Items stated as deleted are still showing on my credit report as of XX/XX/XXXX. 
XXXX XXXX acct # XXXX XXXX was not my responsibility, and after self research I found this account to be closed, with a XXXX balance yet is showing on my report causing me financial detriment. I am requesting all items in collection be removed as they are not mine, nor has Experian provided any validation information on said accounts as requested. I also requested the removal of many hard inquiries not authorized by myself. 

Your kind and prompt attention is greatly appreciated. 
Sincerely 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
Consumer complaint received 2020-02-09 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is reporting FRAUD on my social security number. On XX/XX/ ( Saturday ), I visited the XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX to open an XXXX XXXX account. I went into a branch bank at the request of XXXX XXXX telephone customer service as a prerequisite to opening an XXXX XXXX Account. My credit score is XXXX per XXXX. Once inside the bank, XXXX XXXX refused to open up the account because they allege their system is reporting FRAUD with MY SOCIAL SECURITY NUMBER ( citing multiple names on my social security number ). I informed them that is incorrect, and instead of the branch manager CORRECTING AND BLOCKING THAT ERRED INFORMATION she refused to open the checking account. 

XXXX  XXXX XXXX cops were called, and AN IDENTITY THEFT REPORT OBTAINED ( TRACKING NUMBER XXXX ). I AM DIRECTLY REQUESTING THE CFPB BLOCK THE ERRED INFORMATION XXXX XXXX HAS ON FILE PREVENTING ME FROM OPENING UP AN OPPORTUNITY CHECKING ACCOUNT. MY CURRENT CREDIT REPORTS WITH THE 3 CREIT BUREAUS ( XXXX, XXXX, AND XXXX  ) ARE NOT REPORTING THE INFORMATION XXXX XXXX FALSELY ALLEGES. 

THE CONSUMER FINANCIAL PROTECTION BUREAU, CFPB, IS REFUSING TO DO THEIR JOB VIA BLOCKING THE ERRED INFORMATION AND THEY ALONG WITH XXXX XXXX NEED TO DO THEIR JOBS AND STOP INTERFERING WITH MY FINANCIAL ( SAFETY ) FREEDOM. 

PLEASE NOTE THE UPDATE TO CFPB COMPLAINTS XXXX FILED XX/XX/ ( SATURDAY ) : XXXX XXXX bank is interfering with the processing of Checks disbursed by Georgia XXXX XXXX XXXX XXXX, XXXX, ( APPROVED CLAIM NUMBER XXXX PURSUANT TO O.C.G.A. 17:15:7 ). Currently, XXXX writes the checks from a XXXX XXXX bank Account, and I want to file a claim for My Money. I AM THE INNOCENT VICTIM  OF XX/XX/XXXX-THURSDAY XXXX XXXX WHERE I SUSTAINED SIGNIFICANT XXXX XXXX, AND XXXX XXXX. I have been APPROVED FOR {$25000.00} AND CURRENTLY XXXX IN IN ARREARS REIMBURSING ME {$15000.00} FOR treatment resulting from XX/XX/XXXX-Thursday XXXX XXXX, and currently XXXX   owes me {$15000.00} ( PRIOR {$12000.00} ) and have FAILED TO DIRECTLY COMPENSATE ME. 

There lackadaisical attitude is interfering WITH THE CONTINUITY OF COMPETENT ( SAFETY ) CARE AND SAFETY TREATMENT FOR ME. I am an emotional wreck, and now they are wreaking havoc on bank account preventing me from getting stable banking accounts. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation