vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I believed my identity or information has been stolen. I have received multiple credit card application confirmations to my address along with phone calls asking for unknown names. One was a Target credit card which I called and notified them it was not me. The most recent is a Loan Application letter from XXXX XXXX XXXX. I do not know what to do to secure my information. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STERLING JEWELERS, INC.
State: CO

Complaint narrative:
I fell behind on credit card payments for my Kay Jewlers account, it was placed in collections. I do recall getting a notice however I do not recall getting any notification that I would be sued for this amount. MY sister received a call stating I would be sued for debt owed the person who called her was named " XXXX '' my understanding is this is illegal for them to discuss my debts with someone other than myself. I called the phone number given ( XXXX ) and was given a case number of XXXX. After being told this company doesn't place outgoing calls ( doesn't make any sense at all ) they connected me with another lady. She went over some information, several times I explained that I was very confused at what she was saying if she could explain it better. I let her know that if owed a debt, yes I would want to pay what is owed. She said I was defrauding a creditor and they made attempts to contact me about the lawsuit. Before today, I knew nothing about said lawsuit. I was then told they could possibly get this out of court if I paid in full, I stated I was not comfortable giving information over the phone and asked what the company name was she said XXXX XXXX XXXX, I did a quick XXXX search and it doesnt pop up so I asked for the address in which I was told they don't give that info out to protect employees. I told her I would need to give a call back after I look into getting a prepaid XXXX or XXXX ( she said the only forms of payment accepted ).

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 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting a paid as agree a, with no late payments, as 60-90 or  more late. I have tried countless times to contact company who does not answer as well as have spent countless hours trying to resolve this matter and to date this has not been corrected permanately. I have stressed my concerns and frustrations to Equifax and XXXX XXXX and have been told that the merchant has updated my file when I am advising them that the information is incorrect. I have sent all documentation that was provided by Consumer Financial Protection Bureau as well as New York XXXX XXXX XXXX. They reporting agencies ( XXXX XXXX and Equifax ) will updated the information to report correctly and not even 72 hours later, they will change the reporting back to the incorrect information. 

I am in need of help getting them to STOP reporting incorrect information as the merchant has admitted to incorrectly reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX years of age. My mother put me as a joint on her XXXX XXXX ( XXXX XXXX XXXX ) account about 2-3 years ago and it was removed by XXXX and Experian and I have wrote letters advising that this account is accurate and to not remove this account and it was removed. I want this account added back to my credit file as this is not fraud. I have not heard back from either company regarding replacing this back on my file. There was a letter that came in the mail regarding someone opening something in my name and it was not mine. I have lost my license and not sure when they were lost but I wrote to advise if anything is on my report I did not authorize it but the credit card IS AUTHORIZED. Please do not remove this one credit card. I am wishing to place XXXX XXXX back on my credit file that was removed. Account number is XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-09-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX, I pulled my credit report and found an account I thought was closed has been reporting none payment each month to the credit bureau 's. I paid off this account in XX/XX/XXXX. 

I have not received any invoices, letters or calls from Bank of America since I paid off this balance in XX/XX/XXXX and asked they close they account. 

I called Bank of America in XX/XX/XXXX to ask about the closed account balance and was told the balance was due to " fees ''. I asked for a detailed accounting and explanation of the " fees '' and have not received anything. 

Mailed a good faith pay to delete letter on or about XX/XX/XXXX via certified mail with a 15 day response time or the offer expired and no response. 

I have disputed this account with all three credit bureaus as it is an unverified account and the credit bureaus responded with the account has been verified and the balance was reduced. However, I still not not have any information to prove the validity of the amount.

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 2019-09-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
sent validation letters and called all credit bureau for them to investigate, also contact this alleged junk debt collector by phone to self investigate and they threaten me if i dont pay, the guy would not answer any of my questions instead transferred me to a non working line. letter sent to credit bureau listed below ... and behind the letter is the companies information which has no account number etc., Collection company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2019-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting a paid as agree a, with no late payments, as 60-90 or more late. I have tried countless times to contact company who does not answer as well as have spent countless hours trying to resolve this matter and to date this has not been corrected permanately. I have stressed my concerns and frustrations to XXXX and Trans Union and have been told that the merchant has updated my file when I am advising them that the information is incorrect. I have sent all documentation that was provided by Consumer Financial Protection Bureau as well as New York XXXX XXXX XXXX. They reporting agencies ( Trans Union and XXXX ) will updated the information to report correctly and not even 72 hours later, they will change the reporting back to the incorrect information. 

I am in need of help getting them to STOP reporting incorrect information as the merchant has admitted to incorrectly reporting information.

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 2019-09-11 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: MoneyLion Inc.
State: FL

Complaint narrative:
Money Lion is reporting a paid as agree a, with no late payments, as 60-90 or more late. I have tried countless times to contact company who does not answer as well as have spent countless hours trying to resolve this matter and to date this has not been corrected permanately. I have stressed my concerns and frustrations to XXXX and XXXX XXXX and have been told that the merchant has updated my file when I am advising them that the information is incorrect. I have sent all documentation that was provided by Consumer Financial Protection Bureau as well as New York XXXX XXXX XXXX. They reporting agencies ( XXXX XXXX and XXXX ) will updated the information to report correctly and not even 72 hours later, they will change the reporting back to the incorrect information. 

I am in need of help getting them to STOP reporting incorrect information as the merchant has admitted to incorrectly reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
money never received after debit went through at Chase Bank in XXXX XXXX Ca on XX/XX/2019. Told manager XXXX XXXX and she gave me her card and told me to call my bank and made no attempt to rectify this situation and I am out {$300.00} dollars and service fee of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
Filed chapter XXXX XX/XX/XXXX, XX/XX/XXXX, discharged received. XXXX received a copy of credit report from my financial institution. Report revealed auto financing company failed to report auto payments post-reaffirmation payments. I contacted finance company who stated under FRCA, they have the right not to report payments for clients who file bankruptcy. 

I contacted the attorney, who sent correspondence to auto finance company. XXXX, auto finance company submitted similar information given to me verbally to attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
sent validation letters and called all credit bureau for them to investigate, also contact this alleged junk debt collector by phone to self investigate and they threaten me if i dont pay, the guy would not answer any of my questions instead transferred me to a non working line. letter sent to credit bureau listed below ... and behind the letter is the companies information which has no account number etc., Collection company : XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I transferred XXXX dollars from my checking account to my savings account using bank app on my phone. On XX/XX/XXXX i noticed XXXX dollars was not in my savings but had gone into some strange account that was not on my app. I called the bank and i was transferred to, '' IT '' department. They said they would get back with me in 3 days and never did. I called back on XX/XX/XXXX and they were not willing to help me, saying it was all my fault. How can i make money go into a different account, when it is not an option on my app.. i dont even know the account and they said my account was linked to too many accounts. That makes no sense i only do my banking and not stranger banking. I would like my XXXX dollars returned to me immediately.

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 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
TD Bank used deceptive practices related to excessive overdraft fees. 

Including misrepresentation of account balances and reordering of credits and debits to push my account into overdraft, allowing them to collect bank overdraft fees. 

Currently my YTD of overdraft fees are in excess of {$1000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called all 3, XXXX Experian & XXXX and gave conformation details on XX/XX/19. Nothing was ever changed. 
I filed disputes on XX/XX/19 Dispute report # XXXX. Alert on Dispute came XX/XX/19.  Nothing was changed

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 2019-09-11 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: GA

Complaint narrative:
I am XXXX years of age. My mother put me as a joint on her XXXX XXXX ( XXXX XXXX XXXX ) account about 2-3 years ago and it was removed by Transunion and XXXX and I have wrote letters advising that this account is accurate and to not remove this account and it was removed. I want this account added back to my credit file as this is not fraud. I have not heard back from either company regarding replacing this back on my file. There was a letter that came in the mail regarding someone opening something in my name and it was not mine. I have lost my license and not sure when they were lost but I wrote to advise if anything is on my report I did not authorize it but the credit card IS AUTHORIZED. Please do not remove this one credit card. I am wishing to place XXXX XXXX back on my credit file that was removed. Account number is XXXX XXXX XXXX XXXX XX/XX/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 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc.
State: MS

Complaint narrative:
XX/XX/2013, {$120.00}, I was XXXX in Kansas. XXXX didn't create this bill

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LOAN SIMPLE INC.
State: CO

Complaint narrative:
There are two separate concerns with the sale of our home. 1 ) It was never disclosed that the real estate agent and the lender for the buyers, where related at the time of signing of our real estate contract back on XX/XX/2019. 2. ) We than received notice from our realtor XXXX XXXX with XXXX XXXX-XXXX XXXX XXXX that the appraisal came in at {$440000.00}. I requested to see a copy of the appraisal and was told they would email it to us after we signed the agreement to amend/extend contract as we were under duress to get the contract sign as we were closing on Tuesday ( 9/3 ) and this was a Thursday night with 15 minutes to spare and it being a holiday weekend. ( Monday was XXXX XXXX ). The counter offer of the property was never sent to the appraiser, so the appraiser based his findings off the original offer which was {$20000.00} less than the contract price. So the appraisal of the property came in at {$440000.00}. The amendment to contract for a sell price based off the appraisal was sent to us Thu, XX/XX/2019 XXXX XXXX  and the appraisal was sent to us at Thu, XX/XX/2019 XXXX XXXX, which is when I saw the contract to sell price was wrong. It was showing a sell price of {$430000.00} not {$450000.00}. I then said we wanted to cancel our amend/extend contract and wanted a reconsideration of value done of the appraisal. The appraiser said he never received the counter offer and that he would email the lender ( Loan Simple ) XXXX XXXX XXXX NMLS:XXXX  to get the correct contract and send them a reconsider form to his appraisal since he didn't have a signed contract. They refused and said that we had already signed the amendment/extend form and would sue us for specific performance if we didn't close. I feel that we were fraudulently mistreated by the Buyers broker and lender. I believe the lender and him acted together. We ended up losing {$10000.00} after all is said and done. We contacted an attorney and he said we had a good case but would spend {$5000.00} chasing {$10000.00} which we are unable to spend at this time since we are in the process of building our future home. Please investigate this matter in fear of this happening to future clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Sterling Infosystems Inc.
State: NJ

Complaint narrative:
Ive been on at least eight jobs interviews that continues to background check me and lie to me about why they not hiring me and one is XXXX through this background check company called sterling talent solutions who Ive disputed the proper way in correcting what they thought might been or seen as a new XXXX and I have not committed a XXXX since XX/XX/2010 and I explain this to everyone and explain their dates and errors of judgment showing XXXX violations which is not a XXXX and shows 90 days XXXX XXXX a XXXX is over a year and they didnt hire me nor contact me back acts of discrimination against me cause Im on XXXX XXXX from a XXXX XXXX I was XXXX years old.this is blocking me from work anywhere they wont say it but thats what they see cause Im a civil rights activist and I know if you didnt commit a felony in the last 3 to 7 years you should be hired well Im not XXXX twice XXXX XXXX XXXX XXXX XXXX all these companies and I know XXXX has over 50,000 thousand workers with XXXX to judge me with fair chance or any equal opportunities.thank you please help me address this issue and fight back against 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 2019-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
Waypoint Resource Group is showing as a " collection debt '' on my credit report, with the original creditor listed as " 11 XXXX XXXX ''. I have never held an account with XXXX XXXX. I disputed the reported collection debt, however for some reason it has been investigated and reported still as a valid debt. There is no contact information or account number to call and inquire about supposed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: AZ

Complaint narrative:
This mortgage company is discriminating based on a number of factors. The company first approved a loan, then do to its religious preferences denied the loan. The incident has occurred in Arizona. The company, 21st Mortgage, is headquartered in Tennessee. Given the geography, the incidents are not isolated at the present time, whereas 21st Mortgage and others perceive themselves as being protected against any formal proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: KY

Complaint narrative:
Filed chapter XXXX XX/XX/XXXX, XX/XX/XXXX, discharged received. XXXX received a copy of credit report from my financial institution. Report revealed auto financing company failed to report auto payments post-reaffirmation payments. I contacted finance company who stated under FRCA, they have the right not to report payments for clients who file bankruptcy. 

I contacted the attorney, who sent correspondence to auto finance company. XXXX, auto finance company submitted similar information given to me verbally to attorney.

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