vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Hi, I was contacted a few years ago by a collection agency saying I was a co-signer on a defaulted store TD Bank Retail Services store credit opened in XXXX. I had no idea what he was referring to as I have never cosigned on a loan before. When he mentioned the borrower, I knew who that person was. However, I advised the creditor that I never agreed to be a cosigner and do not know the " XXXX XXXX XXXX XXXX '' store where the credit was opened in. TD Bank then placed a default on my credit seriously impacting my credit. 

It's not possible for TD to have an application on file with my valid signature authorizing me to be a co-signer since I have never been to XXXX XXXX XXXX XXXX '' I filed a complaint with TB bank on XX/XX/XXXX, after I noticed the " charge off '' on my credit reports and requested the remove this from my report. After not hearing from them after several follow-up attempts, I filed a complaint through the credit agencies on XXXX. In XX/XX/XXXX I received a letter from TD that saying that my case was denied citing : Account history indicated prior knowledge of the account and that payments were being made to it back in XXXX. 

I was first made aware of the loan only after the call from the collector and I never paid a XXXX to it. It's impossible for the TD to have any legit signature of mine authorizing this credit. I have made attempts to reach out to the Fraud Risk Specialist on the denial letter, XXXX XXXX XXXX XXXX : XXXX ) but have been unsuccessful. TD has not provided any information that shows they have me on file authorizing me to be a co-signer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio Recovery Associates is trying to collect an incorrect amount on a debt from me, and they are also not licensed in the state of MN. PRA will not remove the innacurate information from my 3 credit bureaus though I have disputed the information numerous times with all 3. Now when they call me and I tell them that they aren't licensed in MN, they hang up on me. The last letter they sent me says it's from a debt collector, but it's not an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/2020, after weeks of design support, I purchased {$11000.00} worth of furniture in store at XXXX XXXX in XXXX XXXX, MI. At the time of payment, I opened a XXXX XXXX credit card to receive 10 % back in rewards. There was a promotional option to receive no interest on the credit card. I rejected this option. I had discussed spending my {$1100.00} expected reward dollars in store with my designer on accessories for my new home. 

When my first credit card bill arrived, I paid it off in full. When my second credit card bill arrived, I paid it off in full. At this point, I realized I was not accumulating any reward dollars. I contacted the credit card company & was informed I was not eligible for points because my purchase was selected for the promotional plan to receive no interest for 12 months. I did not consent or agree or want this. I knew a mistake had been made. I wanted to spend my 10 % reward points in store, hence why I had been paying off my balance each month. 

I contacted the associate who originally completed the transaction who immediately apologized & took responsibility. I was contacted by the store manager and referred to dispute this with the credit card company which I did immediately. Several weeks later, I was informed my dispute was rejected with no room for appeal or follow up. I contacted the store manager, who assured me I would be contacted within 24 hours. It has been been 4 days since that conversation & I have received no follow up. 

I expect a resolution to financially compensate me for the lost reward dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: WA

Complaint narrative:
This company has been harassing me for months by placing numerous robocalls to my phone number, consisting of approximately 10 calls in a row in the morning at XXXX, leaving 10 voicemails asking me to call back, then places an additional set of calls in the afternoon, and an additional set of calls at night. When I have spoke with them, they use misleading info to intimidate and scare me into providing credit card information over the phone, without any documentation of terms or evidence that I owe on a debt. They call my relatives and friends and give them my personal information, alleged debt status and amounts, and intimidate them as well. I have asked the individual to stop calling and send everything to me in mail, but have never received a debt verification from this company, and the numerous calls still persist. I rely on my phone for my work, and this company is crippling my ability to work. 

I have attached a screenshot, but could provide many more examples if needed. The numbers that repeatedly harass me are the following : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: PA

Complaint narrative:
On XX/XX/2020 someone opened a XXXX XXXX/XXXX  account using my name and address. I reported the fraud to XXXX XXXX  and they closed the account and notified all 3 major reporting agencies that the hard inquiry and account should be removed from my credit report. All three agencies removed the account from the list, and two of the agencies remove the hard inquiry. But TransUnion refuses to remove the hard inquiry for the account they know was fraudulent because the letter from XXXX XXXX  only said " XXXX XXXX  '', not " XXXX XXXX '' regardless that it has the same account number. 

I've called TransUnion about this twice, the first time, they said they would deal with it, but nothing happened, and the second time is when they told me about the " XXXX '' name requirement. A couple of months ago, I called XXXX XXXX  and asked them to send the hard inquiry removal letter to TransUnion again, but nothing has changed with TransUnion. XXXX XXXX  said it's the same letter they sent in XXXX and that they can't edit the automated letter to say " XXXX XXXX  ''. It was good enough for the other agencies, but TransUnion is choosing to be obtuse about it. 

It's pulling down my score by 4 points. Granted, that's not a lot, but here 's why I'm making a complaint : more than one customer service rep at different agencies admitted that TransUnion is known for not fixing this sort of issue. So, I'm making a complaint for myself and for others affected by their protocols.

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 2020-12-31 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: TX

Complaint narrative:
I disputed fraudulent inquiries on my credit report to Equifax and attached a copy of my police report via postal mail. I contacted the company on XX/XX/20 to check the status. The representative told me there's was nothing that could be done and that I would have to wait 30 days. I then asked could I speak to a supervisor. The sup came on the phone and basically said they are not going to do anything about the fraudulent inquiries until the creditors reach out to them and inform them that they are in fact fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
Upon applying for mortgage credit, I became aware that my credit score was about 100 points lower than the credit monitoring at popular credit cards and monitoring services has been showing me. I was turned away from the mortgage. 

I asked to receive a copy of my credit report. On the credit report, there was an adverse summary from " SW CRDT SYS '' for {$92.00} from an original " creditor '' of XXXX. This organization apparently opened the line on XX/XX/2020 and reported delinquent on XXXX2020, according to my credit report. 

I called " SW CRDT SYS '' immediately to understand. They shared that they had called my phone number, though they have a policy to not leave a message and did not send any written communication to me, or attempt to do so. As a result, I had no ability to know that I had an outstanding " debt '' owed to them, how to validate it, or how to communicate with the original " creditor ''. They shared that during their " validation period '' of 30 days, if I were to pay the {$92.00} then they would not report to the credit bureaus. However, I could not have paid because perhaps I missed a phone call from an unknown number that did not leave a message. If I were to pay {$92.00} to every missed call on my phone in 2020 ( amid the election spam season and every other phone call ), I would be broke! 

I offered to pay the debt in full to make it go away, but they said they have no policy to request deleting the record from the credit bureaus. Because of that, there is no possible manner for me ~100 point credit score to be repaired as if they had appropriately contacted me in the month following XXXX/XXXX/2020. 

I find this practice to be deceptive and abusive. There was no possible way for me to validate, communicate and pay off the debt in a timely manner without affecting my credit score. And now that I proactively obtained my credit report, proactively called the debt collector and proactively offered full payment if they deleted the record, I still have no way of repairing my credit from their abusive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: AZ

Complaint narrative:
In XX/XX/2018, XXXX contacted Equifax to perform a credit check on me. This was an unauthorized check and was fraudulent. My identity was stolen to open a new XXXX account. I reported this issue to BOTH XXXX and Equifax. Neither company did anything to stop the new account to be opened in my name. I then received a collection notice for the fraudulent account. XXXX finally submitted a notice to Equifax informing them that the credit check was fraudulent and should be removed from my account. To date Equifax has failed/refused to remove the XX/XX/2018 credit check. Equifax has failed to do anything to rectify this issue with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: MD

Complaint narrative:
I received notification that the debt was placed on my credit file on XXXX/XXXX/2020. I immediately notified the company that I was a victim of identity theft and that they remove this from my file or please provide me with a validation of debt letter that shows the original application & documentation that was provided to establish & verify identity when the account was opened. This matter has been reported before and the company can not & has not been able to provide me a validation of the debt letter. It was off my report for a while & somehow it's back. What has changed? How can they remove it for years then just add it back on without notifying me. I believe that they in violation of the unfair trade practices law. Please assist me in resolving this matter.

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 2020-12-31 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 — Was not notified of investigation status or results
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
I spoke with a front line representative and an executive resolution team member from USAA 's auto loan department. I requested documentation stating I am requesting them to look into incorrect credit reporting. I was told from both employees that this was not possible in any way. I sent an email to their executive communication 's department. This email was provided by the executive resolution employee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient Federal Loans illegal behavior 1.Navient illegally made me think I was on income based repayment when they where just putting my loans into forbearance and deferment. I would call and request income based repayment and they would say Your good to go, just call back every three months after maybe a year or two of this, after exhausting all my forbearance and deferment, I finally got someone on the phone that told me I wasn't in fact, on income based repayment, that income based repayment is done through the Dept. of Education. This is illegal! I asked for Income based repayment and was screwed, on purpose by Navient. Now what can I do? I can not afford a team of lawyers to fight them. I feel so utterly helpless and powerless against a company that can do whatever they want to me. 

2. Navient has been misreporting federal loan balances to credit bureaus. My credit report is basically indecipherable. Navient will add a balance of about XXXX then remove it the next month. Some times they add two XXXX balance increases. These loans are in actual income based repayment now, and there is absolutely no way the interest is XXXX a month. Again I am completely powerless to do anything. When I call Navient they say I have no options. Please investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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 belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2020 To, XXXX Police Investigator and CFPB, CHASE is causing a lot of XXXX and sending threatening letters to damage my credit. I have told. Kindly please consider this complaint police reports as physical distress cause by CHASE Executive Office employee in collaboration with CHASE ( XXXX Local Banker ). 

XXXX, TX Police Report Numbers for Reference : XXXX & XXXX. XXXX On XX/XX/2020 CHASE Executive Office Employee, Name : XXXX, had called told ( upon asking threatened ) that CHASE will continue to send threatening letters and report interest and late fees and negative remarks report " Bad Dept '' even during the time of investigation of their employee. ( Refer to earlier police report addendum filed ). 

I have complained to CFPB and CHASE agent XXXX was were unhappy and seems to have and as per my best understanding CHASE should not legally keep on sending threatening letters that causes physical anxiety. CHASE agent was very angry that I had made complaint to CFPB and mentioned to me that they would keep threatening me in spite of their Banker not letting me inside to make payment and even though I have made police complaint for XX/XX/XXXX caused by threatening letters by CHASE. 

Location : Executive Office in - XXXX OH REF : XXXX The CHASE agents have said The Reporting will remain the same. They will keep marking negative credit. They have not promised to investigate the CHASE Branch officers who is using XXXX Police name to make threats. 


Thanks, XXXX XXXX Ph : XXXX XXXX XXXX XXXX XXXX Email  : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: GA

Complaint narrative:
I have been disputing inaccurate information on my credit report with Equifax for months. The Equifax disputes has come back verified every time. XXXX XXXX I have pointed blatant inaccuracies for Date of Last Active, Date of Last Payment, Late payments after account is charged off. past due on a charge off account. XXXX XXXX I have pointed that XXXX does not own the account. The XXXX XXXX is owned by XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX is not registered in the State of Georgia XXXX I also pointed out blatant inaccuracies on the XXXX XXXX Date of Last Active, Date of Last Payment, Late Payments after account is charged off. XXXX XXXX has blatant inaccuracies, Late Payments saying I'm 90 days late and stating that I am {$1400.00} behind on my account. If Equifax had done their investigation like they are required to according FCRA Section 611, Equifax would have known my account is current and never late. Also in XX/XX/XXXX, XXXX, XXXX, XXXX I faxed Equifax my dispute for XXXX XXXX and Equifax stated that the account was verified. How can that be according FRCA Section 611 the credit reporting agency suppose to do an investigation and that did not happen. That is a violation!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
I went to refinance my mortgage with Cardinal Financial Company in XX/XX/2020. Even though the process was started, I decided not to refinance with them. However, I continued making my monthly mortgage payments on time. When I decided in late XXXX to refinance with another mortgage company, I was informed my property taxes had not been payed. The new company sent of the Tax Assessment on XX/XX/XXXX and not only was the taxes not paid incurred a penalty fee because the due date had passed. I called Cardinal on XX/XX/XXXX and was unable to speak to anyone regarding escrow account. I called again on XX/XX/XXXX. The customer service rep did not know why my property taxes were not paid even though I was making my monthly payments on time and had not closed on a refinance. I end up owing the State of California {$7000.00} to include penalty fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
XX/XX/2020 I placed several calls to Quicken Loans to obtain my payoff and chatted with a representative as well. This process wasnt unacceptable at all. I requested to speak with an executive several times and was never transferred nor was a call back received. The staff was rude and clearly required more training. I still have yet to receive my payoff despite the closing occurring on XXXX and the fact that Quicken is paying themselves to close the loan there is no reason I was unable to obtain the payoff. I spoke with Jalen, XXXX, XXXX, XXXX XXXX This is not acceptable and moving forward I will not conduct business with quicken again nor will I have my mother move forward with her mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received a letter on XX/XX/2020, from Barclay Credit Card tell me that I needed to use my credit card or else they were going to close my account. The problem is that my card expired and they never sent me a new one. Now I have to order a new card, purchase a coffee with it and then pay it off immediately so that my credit score will not be adversely affected from having this credit card account closed. 

This company is bullying people into using credit cards when they don't need to. This makes no sense. It can't possibly hurt them to have my account open, even if I only use it occasionally. This type of activity from credit card companies should not be allowed or tolerated.

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 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I lost my wallet around XX/XX/XXXX, XXXX i called the bank to report that I lost my card and for them to block it. On XX/XX/XXXX an unknown person went to a bank and deposit a check without fund for {$340.00} and withdraw {$340.00} on my checking account. called the bank to make a complain they gave me my money back but today XX/XX/XXXX the bank took {$680.00} out of my checking account because they said my claim was denied because my picture id match with the debit card since i already called them to say may wallet with my Id and debit card was lost. i went to a bank they told me about the check that was deposited on my account and the check didn't have my name or my signature and ask to see the camera and they told me that they are no allowed to show me the video. Basically someone just went to bank pretending to be me and withdraw money out of my account and now the bank is refusing to give my money back. i need help.

Company response to consumer: Closed with monetary relief