vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I've been in the process from closing on a refinance with XXXX XXXX XXXX. Part of the refi includes paying off my TD HELOC ( account # XXXX ). XXXX XXXX XXXX and I have made several attempts to obtain a pay-off from TD Bank and TD Bank has refused to send me or XXXX XXXX XXXX the pay-off. As a result, I've been unable to close on my mortgage refi with XXXX XXXX XXXX. I stressed the importance of this when I spoke to TD Bank on XX/XX/2019 and was told a pay-off would be faxed to me at XXXX. 

This is the second compliant I have had to file concerning TD Bank. I feel that they are deliberately making it difficult for me to pay-off my HELOC and close on my mortage with XXXX XXXX XXXX. My previous CFPB complaint also resulted from general payment issues to TD Bank. XXXX was the last person I spoke at TD Bank Mortgage Servicing ( at XXXX am on XX/XX/2019 ) who again gave me the run-around saying a " request '' needs to be submitted to the " Pay-off '' department in order to obtain the pay-off. This was the SAME story given to me on Monday, XX/XX/XXXX and the fax was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have been emailing, calling and filing disputes with XXXX XXXX and Equifax & XXXX since XX/XX/2019 and submitted documents from Bankruptcy Attorney and problem is still not fixed. Mortgage is being reported as included in Bankruptcy which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Since XXXX, Freedom Mortgage has attempted to charge me a late fee each month even though I have never been late with my payment. I have repeatedly had to prove that I was not late with any of my payments. In XXXX, I paid my mortgage, entering my account number correctly ( triple checked as always and no other company had an issue submitting for payment that same month ), but several days later Freedom Mortgage reversed the payment. They did not attempt to contact me to let me know there was any issue. I did not realize they had reversed the payment until after my payment was now late. Speaking with them on the phone they claim I entered the account information incorrectly. Again, I do not believe I did. I triple checked and it is the same bank account number that I enter to pay all my bills. I have not ever had an issue previously from other companies using the account number. 

Freedom Mortgage purchased my loan and I have had difficulties with their website and their company since that time. I feel like they have been attempting to put on my record a late payment and charge me extra this entire year and now they found a way to do it. I can only imagine if they do this for every client how much extra money they would rake in charging everyone almost {$73.00} extra a month. 

If they had reached out as soon as there was a problem ( if there even was one ) then  customers would have a chance to rectify the problem prior to the due date. They have my email address and my phone number. Terrible customer service and a rotten business practice. 

Oh and by the way, I mentioned while on the phone just a minute ago that I would be making a complaint and suddenly the website isn't allowing me to see my account information. I could see it prior to complaining but now it is suddenly unavailable.

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 2019-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial Services, XXXX, CA took my XX/XX/XXXX car loan payment and applied it to another consumers account. The money was deducted from my bank account so I did not realize it had not been deducted from my principal loan balance ; until it happened again in XX/XX/XXXX. I activated my online account and researched all payments against loan payments and found the 2 Missing payment. I contacted WFS and after proving with bank tracking numbers they correctly applied my payment to my account. I pay approx {$6.00} per day in interest. I asked them to put back 1 years worth of interest as the payment was missing for that long, as well as late fees, as they payment was not late, but for a year it my account was obviously not current and always 30 days behind. WFS opened a complaint in my name and told me for nearly 2 months the accounting department was trying to calculate the correct interest amount and apply it back to my loan. They would never let me speak to anyone in the accounting department. I reached out to WFS on XXXX, XXXX, email, and phone, and get the same answer. We are looking into it and please wait for the accounting department to investigate. I then contacted the XXXX XXXX XXXX, and WFS said I needed to wait for a letter they sent me. I never received the letter, or an email, or a phone call. XXXX sent them a follow up and they replied that I needed to give usps time to deliver their letter. 3 weeks and it never arrived, is plenty of time. I think they were playing the waiting gameas they knew XXXX would close the complaint. Which they did today, and advised me to file a complaint with you. I would like the interest accrued daily for 1 year plus late fees to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XXXX XX/XX/XXXX USAA violated the Electronic Fund Transfer Act and Regulation E by  failing to properly honor consumers stop payment requests on preauthorized electronic fund transfers, and by failing to initiate and complete reasonable error resolution investigations. Their actions from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX exhibit unlawful behaviour similar to earlier behaviour for which USAA settled with the CFPB. A summary of the events which took place is below : XXXX XX/XX/XXXX - Home sale, mortgage balance paid off XXXX XX/XX/XXXX - Unauthorized transaction by mortgage service company for a paid off loan XXXX XX/XX/XXXX - USAA approves unauthorized transaction XXXX XX/XX/XXXX - USAA creates an overdraft loan in customers name XXXX XX/XX/XXXX - USAA creates a finance charge for their overdraft loan XXXX XX/XX/XXXX - USAA reverses overdraft loan and unauthorized transaction XXXX XX/XX/XXXX to XX/XX/XXXX - USAA insists the finance charge is legitimate and must be paid, refuses to reverse the fee, sends overdue balance to credit reporting agencies which reduces the customer 's credit score from XXXX to XXXX. 

In simple terms, USAA commited fraud and theft through clever use of timing of automated transactions on their ledger. By authorizing and then reversing third party transactions USAA is able to levy a very small fee on the customer who is told the fee can not be reversed. USAA then threatens to destroy the customers credit score if  they refuse to pay the fee, relying on the fact that the fee is so small it's easier for the customer to pay it than to fight it, thus extracting rents from their deposit holders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
Sa-Vit collection failed to respond my dispute within the time frame provided.

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 2019-04-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Greetings, There were two instances where USAA has completely dropped the ball when I attempted to set up an automatic payment on my car note and credit card. The goal was to never be late on a payment but they had ongoing technological difficulties that caused my account to be late two times : Once in XXXX of XXXX and once in XX/XX/XXXX. My checking account wasn't debited automatically which was the reason the payment was missed. 

The only excuse I got from the USAA customer service representative was that, " It's a much bigger company now. '' As if to say, 'yeah, it was our fault but what do you want me to do about it? ' Needless to say he wasn't much help getting my credit report fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WorldRemit Corp.
State: PA

Complaint narrative:
On XX/XX/2019, I used WorldRemit to send money internationally to XXXX WorldRemit 's website was seemingly very clear about all of the fees involved. The transaction went smoothly. However, when I received my credit card bill from XXXX ( statement for billing period XX/XX/19-XX/XX/19 ), I found I was charged a large fee for making a cash advance. 

When I made the transaction on WorldRemit, there was nothing to indicate that the transaction would be treated as a cash advance. I called XXXX to complain, and they told me that they had no control over the fee -- that the merchant ( WorldRemit ) submitted the transaction as a cash advance. I called WorldRemit to complain, and they told me that they had no control over the way in which the bank processed the transaction -- that they did not submit it as a cash advance, but that XXXX chose to process it as a cash advance. 

Since neither company accepts responsibility for the additional fee, I am considering both to be committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
There are 2 accounts on my credit that are effecting my score that are not fine and need removed asap from all 3 credit agencies I am writing to dispute the items I have attached in this letter that are on my credit report. I have also included my drivers license to validate my identity. There are multiple items that do not belong on my credit report That I have disputed in the past and you have removed from my credit. Now they are appearing again and my credit has dropped 50 points. These need to be removed and my credit score be updated. This is very disturbing to me as I work very hard, I have insurance and these accounts are not mine that are on my credit. I am not sure why you have put them back on but the other 2 credit bureaus have removed them and I need this updated ASAP In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Federal Law require your credit reporting agency to verify physical records on file of the original signed account or contract from any accounts you post on my credit report. 

I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 

I formally demand the following negative accounts be verified, and/or removed immediately. 
XXXX XXXX  XXXX First Federal Credit XXXX XXXX XXXX XXXX XXXX First Federal Credit XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR

Complaint narrative:
I WAS A VICTIM OF 4 FRAUD INDUCED MONEY TRANSFERS REFERENCE XXXX ON XX/XX/XXXX, REFERENCE XXXX ON XX/XX/XXXX, XXXX, REF XXXX ON XX/XX/XXXX AND REF. XXXX ON XX/XX/XXXX, XXXX TOTALING OVER XXXX.MONEYGRAM NEEDS KEY IN THIER SYSTEM AS SUCH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was contacted by my spouses 's brother and wife regarding phone calls from XXXX XXXX onXX/XX/2019.They had been receiving calls for about 6 months prior to this date. XXXX XXXX identified themselves as a debt collector, the name of the store card they represent and gave them my name. I am not associated with these family member 's and my personal business has now been shared with other family members, causing further hardship, anxiety and distress for my immediate family and I. I never gave this phone number as a contact number and it should have never been called. What actions can I take?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Failure to provide original verification for debt listed on credit bureaus within the time frame provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: IL

Complaint narrative:
I added a new credit card account ( XXXX ) and that account has been reported by XXXX to all the credit bureaus on XX/XX/2019. However, only XXXX shows this new account on my credit report. TranUnion and XXXX  do not reflect this account. 

I have called both companies to resolve the issue, but to no avail.

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 2019-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
Failure to provide original verification for debt listed on credit bureaus within the time frame provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express Serve is a card used by XXXX while filing taxes you can choose to have refund submitted on prepaid card. Well on XX/XX/2019 I received an email stating that there was possible fraud on my account. I clicked the link that stated it was not me. Then I called American Express and let them know to cancel my card and dispute fraud. I was informed that they couldn't dispute charges because they were pending and since it's fraud it may not go through. Then on XX/XX/XXXX the charges totaling {$300.00} went through and I called and submitted dispute. They told me to upload verification form and wait ten days to receive provisional credit. Now it's been more than ten days and no refund. I called three times and now they are saying it could take up to 45 days. This is unfair practices and I need my {$300.00} credited back this is fraud and I am being punished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
wanted service xancelled, They ref8sed to deactivate account they lied and said it was when it wasnt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
They couldn't find my right address nor social security number nor my date of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX never late XXXX XXXX XXXX paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: NC

Complaint narrative:
Transunion is reporting incorrectly that I am 120 days past due on the XXXX XXXX XXXX  XXXX account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference page 12 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc.
State: NC

Complaint narrative:
Simon Agency Inc. 
XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX {$4200.00} XX/XX/2018 i pulled my credit and noticed that i had several accounts on it that are not mines. I reached out to all of them to explain my situation of being a victim of identity thief as well as to the credit bureaus. I wrote letters to this collections asking for the original contract with my signature on it, in return they sent my a copy of monthly statements from the original collector. I filed a report with the FTC and the Internet Crime Complaint which i mailed them a copy as well. I also wrote and sent a copies to each credit bureaus as well. I also asked each bureau to send me the original documents that the collector sent them that keeps them saying they varified the account is mines and they are sending me nothing with my signature on it as well. Iam asking they remove and delete this collection from my credit report please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX paid in full XXXX XXXX   XXXX never late XXXX XXXX XXXX paid in full XXXX XXXX {$0.00} not mine

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