vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Hello, I want to report TD Bank that represents XXXXXXXX XXXX  for potential violations of the FDCPA. Mainly, now I am getting calls on an outstanding balance on an account that is not legally mine. Due to the terms of my purchase with XXXX, XXXX was to credit my account in the amount of {$120.00}. That never happened. Now, TD bank is trying to recoup the {$120.00} plus late charges on an amount that is not legally mine. They keep telling me to " contact the merchant, '' but they are representing the merchant themselves. regardless, I am unable to contact the merchant. 
on or about XX/XX/XXXX, I purchased a new XXXX XXXX with a contract stating that I would be credited {$120.00} for the turn in to XXXX of my old watch. I did so. I received word from XXXX that my account was to be credited in the amount of {$120.00} in the manner of a text message to me that I retained in the notes to TD. The XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Later in XXXX, I noticed that the amount was not credited. I contacted TD regarding the outstanding balance. They just told me in writing to " contact customer service. '' From the follow up contact, they said at that point that they would check into it and " do nothing. '' That message was dated XX/XX/XXXX. 
Next, in XXXX, I still see the balance and late fees accruing in the account. I then filed a formal complaint with TD Bank for the misrepresentation of the debt. That was filed via fax with TD on XXXX XXXX, XXXX. I had confirmation of receipt of the fax on the same day. I have not heard resolution other than they received the fax sent on XXXX XXXX, XXXX. 
I am continuing to get calls XXXX XXXX XXXX XXXX even after I have pleaded with them to verify and produce proof that I am legally responsible for the debt. They still do not have resolution on my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One advertised the following Merchant Offer on its website : Receive a {$22.00} statement credit for signing up for XXXX XXXX Ad-Free Monthly Plan. On XX/XX/2022, I opted-in to this offer and received reference ID " XXXX '' confirming activation. Then, based on Capital One 's advertisement, I signed up for the XXXX XXXX Ad-Free Monthly Plan using the link on Capital One 's website and paying with my enrolled Capital One Venture X credit card. However, as of XX/XX/2022, I still have not received the {$22.00} statement credit that Capital One advertised. I contacted Capital One customer service multiple times but still have not received the advertised statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I am the assignor to a collateral security bill of exchange or note that has been assigned to assignee U S Bank XXXX XXXX which is in default and did perform a legal fraud foreclosure U S BankXXXX XXXX shall have indictment charge very shortly under 18 U.S. Code Section 1951 for robbery and extortion of acceptance credit signed in blank by good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, Transunion and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX - # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete 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 non-monetary relief
Consumer complaint received 2022-12-20 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: FL

Complaint narrative:
XXXX, XXXX and Experian are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX XXXX # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete 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 2022-12-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, XXXX and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX XXXX XXXXXXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX XXXX According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: AL

Complaint narrative:
I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2022-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc.
State: TX

Complaint narrative:
We originated and closed our loan in XXXX with XXXX XXXX XXXX. We took possession on XX/XX/XXXX. All our insurance for hazard and flood ( we are in a flood zone ), taxes, were all in the original escrow account. XXXX XXXX sold the loan after one month to Essex Mortgage. We received their statements with the correct loan amount and all insurance and tax premiums in the escrow account. 
After 10 months of paying the mortgage and escrowed monies we got a frantic call from our insurance provider, XXXX, saying our flood insurance premium was not paid and they had notified Essex two times with no response. I called Essex on XXXX XXXX and spoke with customer service and explained the flood insurance was almost expired. They directed me to their insurance department who refused to speak with me ... .they said I was not on the loan, that is a false statement as I am listed on the loan, but they did say there was not any escrowed account for flood insurance, that is false. I called Essex customer service back and told them of the issue with the flood insurance policy and the insurance department refusing to speak with me, and the policy almost lapsing and was told it would be taken care of. It was not, the flood insurance policy through XXXX would not extend the payment deadline. Again I called the Essex XXXX department who said they made a mistake but refused to make the premium payment in time to avoid a lapsing of policy. After repeated phone calls to Essex customer service who also admitted the error, but said again they could not make the payment in time ( they had several days to do so but refused to expedite it. Two hours before the flood insurance policy was to cancel my wife and I used our XXXX  money to pay the flood policy. We basically live paycheck to paycheck like most people so paying the flood policy was a huge financial burden for us ... .because we had been paying it all along in the escrow account that Essex said did not exist! Essex said they were sorry, they would correct the error and send us in writing the new process to cure the issue. That has not happened and Essex now says there is now a shortage in our escrow account and they are raising our mortgage next year. They have completely failed in their fiduciary responsibilities and are trying to illegally raise our XXXX XXXX payment for no reason. We need help against this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I filed a complaint in detail multiple times with the fraud charges included from Wells Fargo. Due to their negligence with handling of my account, the fraud continued and they didnt take active measures to properly refund me or handle the situation. Now that the CPFB has levied this fine against Wells Fargo and that they have new leadership, Im hoping theyll do the right thing and reopen my claims and send me what is rightfully mine. This has been an issue taking place for years that Wells Fargo has happily brushed under the rug. Only recently did they start sending me small checks admitting to their negligence and mishandling. They owe me way more than those checks though. In all, Ive been sent back around {$500.00} after the investigations into their handlings started become more public. 

Please advise and thank you for the help CPFB!

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 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
A false contract was created/ opened in my name without my consent during a time when I was a victim of Identity theft. 

Multiple accounts were opened in my name and went into default and collection using my identity during a time when I was a victim of identity theft.

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Credit bureau, TransUnion, sent a mail and stated my account was properly investigated but how is that possible if the open date is inaccurate, the data last active is inaccurate, the date of last activity is inaccurate, the date last reported is inaccurate, and the payment history is inaccurate. This is grounds for removal and they also violated my rights under : 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-12-20 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: FL

Complaint narrative:
I have attached XXXX FTC reports with accounts that are not mine and need to be deleted they are fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I lived at XXXX XXXX XXXX in XXXX between XXXX. I lost my position at XXXX XXXX : Wells Fargo Foreclosed on my House. Was I a VICTEM of their Practices????

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 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was notified by Wells Fargo on XX/XX/2022 that a payment of {$41.00} was due from a balance of {$1700.00}. When I called to speak with the fraud department they told me that XXXX cash advances were sent to my checking account with Wells Fargo. This was another issue of fraud as I have never opened any checking accounts with Wells Fargo, I use a different bank for my checking and savings account. Both these cash advances were on a credit card that had yet to be activated. They then had to close the false checking account that was opened without my permission before moving on to the actual fraud that I originally called about. Once that was done they told me that the cash advances were done over the phone to the false checking account that was opened. The representative then had to activate the card before looking into the account where they told me that XXXX cash advances had been taken from the account, XXXX cash advance was for {$1000.00} and another for {$600.00}. A fraud claim was submitted and on XX/XX/2022 they sent a letter stating that " they couldn't reverse the online transfers because there was not enough funds in the account or the account has been closed. We were unable to reverse any related fees and adjusted interest. Your claim is now closed. '' My account now clearly shows that adjustments were made and with dates that are incorrect. Looking at my account the first transaction shows a interest charge of {$23.00} on a cash advance on XX/XX/2022. It then shows the cash advance of {$1700.00} on XX/XX/2022 and a phone payment of the same amount on the same day. What then follows is all the interest and late fees that have occurred since then in my account. This has now affected my credit score due to the lack of action on their part.

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 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: NE

Complaint narrative:
XX/XX/2022 XXXX calls to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They said I had XXXX cards which I did not and even had charges on the XXXX card. I did not use the other card as rates were too high. They even charged me for not using the card after I had it cancelled in XX/XX/2022.

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 2022-12-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive had fraudulent activity on my credit report. Ive already file a complaint and had names and addresses removed from my report. I never applied for this card. Equifax, XXXX and XXXX are still violating my rights by reporting fraudulent inaccurate information on my credit report. I have never applied for a card with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Called Trans Union 's " Consumer Relations '' number. Tried to get specific answers to XXXX questions : 1. How will my score be affected by closing an XXXX XXXX account I've never used ( number of points and length of time )? 

2. How will my score be affected by allowing a car loan aggregator ( Autopay ) to access my credit report ( number of points and length of time )? 

After XXXX minutes of voicemail loops and dodges, someone just said they have no idea- it's all up to the algorithm. 

I currently have a score of XXXX. These people act like they hold our financial lives in their hands, and they basically do. Because of this, it seems that transparency should be a condition of their continued operation.

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 2022-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I had applied for loss mitigation with Freedom Mortage. I was told by Freedom Mortage on XX/XX/XXXX all documents are in waiting on a response. Again Freedom Mortgage on XX/XX/XXXX all documents are in waiting on a response XXXX weeks before my property was sold at auction. I was not made aware by Freedoom Mortage of an Impendinging foreclosure on any of these calls. The ceritfied mailing I did recieve was sent in XX/XX/XXXX. Records show nothing was signed for after that. Freedom Mortage continuse to refer to XX/XX/XXXX that my loss mitigation case was closed but according to their own records from numerous phone calls and notes on my account this is not accurate. On XX/XX/XXXX I was instucted by Freedoom Mortage to send another loss mitigation packet which I did. I am currently fighting eviction from my home which was sold at auction. Freedom Mortgage needs to recind this foreclousre instead of dishonestly giving thier customers the run around.

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