vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 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: CA

Complaint narrative:
I contacted TD Bank on XX/XX/2018 to make an inquiry for account # XXXX ( TD BANK XXXX XXXX ) as it reflects on all 3 of my credit reports, I spoke with a TD Bank representative to obtain information on the account and was informed that no information was found for account. TD Bank indicated the account may have been placed with their collection department and was forwarded to " XXXX XXXX XXXX '' which also informed me that no information for account # XXXX was found. 

I mailed a letter to TD Bank on XX/XX/18 by first class mail XXXX to follow up and request that the account be removed since no information for the account was verified or provided by either TD Bank, XXXX Credit Card Services and XXXX XXXX XXXX. 

I disputed the account with all 3 credit reporting agencies on XX/XX/18 and received results from TransUnion which had failed to investigate TD Bank XXXX XXXX # XXXX and continues to report the aforementioned trade-line without 'proper verification '.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My rental company ( XXXX XXXX ) is saying that I paid rent late on XX/XX/XXXX. I was moving out that month and had a prorated amount of {$530.00} due in XXXX. On XX/XX/XXXX, the day rent was due, I went online to the portal and paid. I found a couple days later that I had a demand for rent letter on my door and a late fee for {$120.00}. 

I contacted the property on Saturday and talked to an employee named XXXX. I told him that I had indeed paid my rent on time, as you can see every other payment was on time, but that the portal must have been down/broken. He did acknowledge that the portal had been down that day and said that other residents had called in about that problem as well. He said I did not have to pay the late fee and to reach out to the property manager as well I then followed up with XXXX XXXX, who was the Assistant property manager at the time, and she confirmed that I did pay on time and the notice was just in case I didn't move on our agreed date, XX/XX/XXXX. 

I should not have a Late fee for XX/XX/XXXX rent. I did pay my rent on XX/XX/XXXX, and the property acknowledged the fault had been on their end and that I would not owe any additional 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 non-monetary relief
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
This debit collector is in violation of Hipaa Act of 1996, by sharing detail information of a medical procedure. Facing fines up to a {$1000.00}, payable to me. Even possible jail time. I contacted them for the last time XX/XX/2018. I asked them to remove and they refused. I have forwarded all necessary documention to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Service International Corp
State: MN

Complaint narrative:
I had went to court back in XXXX of XX/XX/XXXX for falsely alleged damages owed on an apartment I had rented for around 6 years and the case was dismissed.I am now getting threatened with garnishment papers for a debt that isn't owed on a case that was dismissed almost 7 years ago. This is going against the court of law and a order brought by a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: TX

Complaint narrative:
There are a few problems Late Fees - I attempted to get a waiver on a late fee via customer service back on XX/XX/2018. I missed my payment by a day and apologized. This was my first time ever being late and asked for the fee to be removed. I was told no. Generally with most cards they will waive a late fee. 

Charges - There was a recurring charge that I notified them on in XXXX that should not have been approved. This charge caused my account to go over the limit. I notified them in XXXX via email to not approve any charges while my account was over the limit they continued to do so

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 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Recently tried opening a new checking account for myself and was flagged by XXXX XXXX XXXX XXXX. They sent me my report which states i had fraudulent activity from Bank of America in 2016. I have never had my own BOFA account. During that time i was caring for a elderly family member i had a power of attorney to deal with all activities. And went into rhe local XXXX XXXX NY branch to be added to her account and the branch manager gave me a hard time and did not want to except it. This is hurting me from opening my own accounts. It needs to be resolved with bofa so i dont have to seek legal counsel.

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 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was approved for a Bank of America secured credit card and never received it after my deposit was withdrawn. The manager XXXX XXXX was very rude and was not helpful. Also the claimed I didn't receive the card because my account was overdrawn which it wasn't and I had BOA customer service rep verify and I was still denied after been told I was approved. This was an hard inquiry accrued on my account for nothing. WORST CREDIT CARD COMPANY EVER!!!

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 2018-06-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2018-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 2018-06-20 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: NC

Complaint narrative:
I disputed the the account information with experian. XXXX XXXX certified that the information was accurate. Experian by federal law was supposed to do an independent investigation not just take the creditors word for it via computer system. The information furnished to experian by XXXX shows the violations .this account is breaking furnishers rules of the FCRA rules of the FDCPA .plus experian is willfully reporting this erroneous information with no care to my rights or federal consumer protection laws set in place to govern matters such as this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a letter from XXXX XXXX XXXX that I had until XX/XX/XXXX to make a payment of {$760.00}. And that if the payment was received by this date then my account would not go into default. L But they filed on my credit on XX/XX/XXXX causing my score to drop 42 points. I contact them and they stated that the letter was automatically generated and that the action they took were correct. They also filed that I owe the full balance of the truck which is incorrect, it should have only been for one missed payment at that time. {$380.00} The truck was deemed a total loss by XXXX  XXXX car insurance and XXXX was notified. I have never missed a payment ever and I dont understand why they did not honor the letter. I have called them everyday trying to make sure that whatever I needed to do was being done and to confirmed when they received the check for {$4500.00} from XXXX XXXX. No one ever stated to me that I needed to make a payment because I signed the truck over on XX/XX/XXXX to XXXX  XXXX. I informed them with proof from The XXXX that they were sure to be paid. As of now I have contacted the insurance company which stated a check was mailed out on XX/XX/XXXX and the Postal service stated it should arrive in 3-5 business days with me giving them the zip codes of where from and where to. It should have arrived on Saturday XX/XX/XXXX and received Monday XX/XX/XXXX. But every time I call XXXX they a very rude with me and they are still stating they have not received the check. I feel discriminated against. They treat me like Im a joke. I have asked them for assistance since I am XXXX and has been for the past 5 years. And this morning XXXX tried to pull my credit Without my permission or consent. I called them after they had already tried to pull it. I received an alert from the credit bureau.

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 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/18, I was notified that my XXXX XXXX had been compromised and cancelled that card immediately. To be safe, I decided to put on hold my credit using the top 3 credit reporting agencies. I started with TransUnion. I went to their website and clicked on the option that I thought was right, Credit monitoring so I could freeze my credit. The screen took me to an input screen to enter my name, address, and identifying information. To the right was my credit score boldly displayed and I filled in the screen as directed and clicked " next ''. It asked for my credit card information which I thought was odd but decided this was a verification for the agency to ensure I was the right person as they had all my credit information on file. I completed this and continued to next screen. After finishing, I was informed I would have a recurrent charge applied and was shocked. Never did I agree to any amount and nowhere was it clearly displayed any recurring charges. I went back in to repeat the steps to see if it mentioned any charges. On the input screen where you enter 15 or so items about yourself in small writing on the lower right corner in an " advertising '' style box with a random photo of someone was " credit monitoring for $ XXXX/month ''. As most people, I ignore the ads on the right side of my screen and never thought small writing hidden in a box would be of serious importance. My attention was focused on completing the page and continuing. I called TransUnion and after sometime of explaining and reexplaining ( 5-10 minutes ) the agent said " I would no longer be charged anymore ''. I debated that I didn't want to be charged at all and all charges must be reversed as the page was deceptive and misleading. I explained that this was fraud to charge someone without clearly showing the costs involved but she ignored me and said wait and a few minutes later she said she would reverse the charges. I had to put up quite a fuss and spend excessive time to fight my way out of this charge. Other consumers will continued to be scammed by this poorly designed and clearly deceptive website. Folks who are not so wary and ready to battle for their rights. This needs to be changed. Not clearly identifying charges and no step to verify the charges is deceptive and misleading.

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 2018-06-20 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: OH

Complaint narrative:
I have been looking at my report and I seen a few thing that are not right. 
First up my name is : XXXX XXXX XXXX. Please remove any other variation and spelling. 
My current address is XXXX XXXX XXXX XXXX XXXX, XXXX, Oh XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am a victim of ID theft and I have not been it XXXX in over 6 years. I currently am a residence of XXXX Ohio

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 2018-06-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Hazard insurance was placed on my home in early XX/XX/XXXX. I had allowed my homeowners insurance to lapse, I take complete responsibility for this issue. 

I acquired my own homeowners insurance again effective XX/XX/XXXX. As Ditech is adamant about communicating with them via their website ( and I had a copy of my proof of insurance available in electronic format ), I uploaded a copy of it via the Homeowner Assistance > Upload Documents portion of their website on XX/XX/XXXX. That day I also submitted a message to them via their website indicating that insurance had been purchased and asking what else I needed to do to remove their lender placed coverage and square my account. 

No response was received to my message via the " Message '' portion of their website. However, while I was on hold with their customer service today I did receive a response to my personal email account indicating that in order to modify my insurance coverage I must either : 1.  MAIL a copy of the proof of insurance to Ditech or 2. FAX a copy of the proof of insurance documentation According to the first phone representative I spoke with " Insurance documentation must be mailed or faxed per regulations. '' ( seemed odd ) According to the second phone representative I spoke with " Insurance documentation must be imaged in a particular way per Ditech policy and these documents can not be accepted via our website. '' Although they can collect proof of income and tax information via their website...? 

Finally when I asked to speak to someone who could explain the absurdity of the insurance paperwork " policy '' and the 10 day response to my email I was informed of the following : 1. Because of the status of my account ( I am behind because of the exorbitantly priced hazard insurance ) I would not be allowed to speak to a customer service person because my account would be routed directly to a collections agent. 

2. No one was actually available to speak with me regarding my website concerns because " they were all in a meeting '' ( funny - every time I talk to a mortgage company all the supervisors are always in a meeting, together, in the late afternoon... ) I'll mail them a copy of my document. But this absurd insurance document handling policy seems incredibly galling for a company that is adamant about sending all statements and notifications to me via their website.... 

Thanks, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: Colony Brands, Inc.
State: VA

Complaint narrative:
XXXX XXXX ; Accounts not showing that they are with a outside collection agency. False Reporting XXXX XXXX Acct. Is with =XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to make a purchase online and I realized I didn't have funds available. I immediately contacted XXXX XXXX  and reported that I didn't authorize any transactions done on my account. They told me they had immediately put a stop on my account and a hold on both pending transactions in the amounts of {$52.00} transaction # XXXX and the second of {$310.00} transaction # XXXX. They told me to call XXXX which was where the pending transactions were from, to put a hold there as well. XXXX did their part and held the transactions. XXXX told me they would refund me my money within 2-5 business days. The days passed and there was no refund so I called XXXX XXXX  and I asked them if they had received the funds and they stated that they had not. I called XXXX once again and they said that they had already placed the funds in my account. I called XXXX XXXX  once again and asked them to send me a new card so that I could see when my funds were going to be deposited since they had canceled the one I still had. When I received the card I saw that XXXX did not send me my funds. I called XXXX and said I hadn't received my funds even though I had already received my new card. They stated I had to speak with their manager and so I did with a translator and he told me I had to file a dispute with XXXX XXXX  in order to receive my funds. By this time 2 months had already passed. XX/XX/XXXX XXXX XXXX said they would send me an email so I that I could file my dispute online, but I never received it. I call them and tell them I had not received the email and they stated they would resend it. I received that one XX/XX/XXXX and fill it out and send it by mail. 15 days later I receive a letter dated XXXX XXXX stating that they have completed their investigation and that my claim was outside of the recovery effort timeline and that I no longer had a right to recovery. 6 days later on XX/XX/XXXX I receive a check from them in the amount of {$5.00} which was my remaining balance. I call them and asked why had they canceled my dispute and they said that there was absolutely nothing they could do for me. They insisted I call XXXX and ask for my funds back. So once again i go ahead and call XXXX and they tell me that they do have my funds, but that they need XXXX XXXX to send them my dispute to refund me my funds. I called XXXX XXXX for the last time and told them what I was told by XXXX and they said they couldn't help me. So now i'm here after this whole run around.

Company response to consumer: Closed with explanation