vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 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:
Hello, I have an existing Home Equity Loan with TD Bank, the same is under the forbearance plan in I which appreciate, as of I have decided to end this program, the bank offer different options to be able to accommodate the unpaid interest ; for that, there is an application and with that they request, the last 2 paystubs in which I had sent twice. After almost a month of the process, and many calls, no one seems to know what are they doing, all of the customer service had promised to call me back and never do. for whatever reason TD is asking if I have some sort of HOI ( Home Owners Insurance ), I had explained several times that I am not required to have a HO6 which covers the inside of the unit in the State of Florida ; however, in my monthly HOA dues it is included the master coverage for the condominium in which the bank must have because it is required to have as per requirement, as of XX/XX/2021 I have emailed the master insurance and I have requested a phone call and follow up. As you can see before, this is not my first complain about this institutions practices, lack of customer service, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
For months I have not been able to access this account. I can't log in and I have called, and even when I call and try to handle this account, I get no where. I don't and haven't even gotten a statement for over 6 months. I have been dealing with an identity theft issue. I think someone is using my info and slowly changing profile information until long information isn't valid. I want to dispute the charges on this account, I don't think that they are all mine. And to make this issue worse, I have been collecting fees, increase interest, and negative remarks on my credit during a pandemic. I thought that companies couldn't report negatively during this time? I'm going thru a hardship where even relief benefits are not helping, probably due to my identity being stolen. I have tried to communicate by phone and I'm sure I have emailed them. 
I'm also having a difficult time with an email hack. I think my calls and emails have been redirected, I notified the provider and ftc. But I'm only one person during a crisis, and I need help, and a way to fix this. New email, new user name no good.

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 2021-03-16 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: NY

Complaint narrative:
Since XXXX, XXXX of 2021, I've noticed a pattern of my transunion balance not updating. 
So I filed a complaint and CLAIMED OWNERSHIP of account, but stated balance was incorrect ( because the balance was paid ), .transunion does a '' investigation " ending on XX/XX/XXXX. They claimed my bank did not respond so they removed my Most positive payment history from my account. 
I called transunion, they claimed to get my account put back on, they have to verify my account with the bank ( I recorded 3 transunion reps lie and say 3 different stories ) for the 4 rep to suspect it's fraud ( due to me wanting my balance updated properly and being XXXX ) Well I wan na file a discrimination complaint after my bank verifies .. wanting a good score being a minority is not fraud. I also recorded all 3 reps lie, including one say my bank removed it, ..while the investigation finished on XX/XX/XXXX, My bank updated my balance to transunion on XXXX XXXX..yet transunion missed it. 
To drop my credit score and tell me my account needs to be verified, ( that's been reported to transunion for months ) with perfect payment history, is redlining..now I have to wait another 6 months to bring my score back to where it was initially .which was done on purpose. Transunion also claimed " which I have audio '' that if you file a dispute, and the creditors don't respond in 30 days, even if it's not pertaining to ownership of account, it will be removed, I'm not sure but that was the second excuse before the supervisor says the bank needs to verify the authentication of my secured card .which is totally fine, being it will drop my score for months intentionally

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 2021-03-16 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: CBC Companies, Inc.
State: OH

Complaint narrative:
A Hard Inquiry hit my account on XX/XX/2021, Factual Data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX told me to let my mortgage get 2 months behind to get a modification instead of refinancing to remove my exhusbands name. Up to that point my mortgage was on time every month with additional payments. XXXX gave me the modification I made 2 payments on time in XXXX the 3rd payment they cashed but did not apply until XX/XX/XXXX so the modification became void. Servicers changed to XXXX XXXX XXXX then XXXX  each time I applied for the modifications I was approved, ( making the payments was never an issue ) But the modifications were numerous documents sent some lost reapplying for every servicer more lost payments. I requested a breakdown of my account since payments were never applied to the principal all I received was a print out of dates and amounts when I questioned where the Journal entries debiting the credits for payments were applied I was told that they did not have those records The balance was what I owed. I requested this from every servicer. The last modification was approved in XXXX of XXXX 3 days before XXXX XXXX had their attorney file the foreclosure judgement. I have been trying for 10yrs to just have my mortgage principal be the correct amount and make the payments on what I owe. Instead of letting me do that the banks and servicers seem intent on evicting me a single mother out of her home. My mortgage was {$120000.00} with out the missing money applied the value of it is {$460000.00}. I believe it is because they want the extra money because I am a single mother and because of my ethnicity. Or why would XXXX consistently tell me they were considering a modification even after the Judgement only to deny it because it was to much in arrears or because XXXX was to close to the XXXX sale date. This is the discrimination that is consistent with Banks and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: ID

Complaint narrative:
XX/XX/2021 I transferred {$5000.00} from Marcus to XXXX XXXX, and {$5000.00} from XXXX XXXX to Marcus to backfill the savings account. 
I opened this account as an emergency savings account so that I can have access to my money anytime I needed it. I tried to move my money to my bank account, and received a call about the suspicious activity. I verified it was me, and they said it was fine. Then they locked my account. I am closing on a house soon, and I need my money to be able to do so. They are telling me to send them paper copies of my banking institution while they hold my money hostage from me. This is extremely horrifying that they can keep my money away from me when I need it most. 
I have no home, move from temporary housing to an extended stay with my wife and 3 dogs while Marcus has the power to keep my money from me in a time ( COVID making it worse ) I need it most.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX Original creditor : 11 XXXX XXXX Total balance : {$780.00} acct # XXXX {$780.00} Balance updated XX/XX/2021 2021

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 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
I qualify for mortgage assistance from XXXX XXXX housing authoritiy. They need a XXXX form to submit payments on my behalf and they sent the wrong form initially. They, Amerihome, after a month have still failed to get ne the correct form after I have made several calls and been on hold for at least an hour every time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX called me XX/XX/2021 to inform me of a debt received for collections. I asked the representative to send communications concerning debt to me via mail so that I could verify the debt. I also told this representative not to call me about this debt and that I only wanted mail communication. Later that day I received another call from this company. I called the company on XX/XX/2021 to ask the company to stop calling and the representative said he would remove my number from their automated dialer, later that day I received another call from the company. I have received a call from this company 2-3 times a day every day since XX/XX/2021. I called the company again today XX/XX/2021 to ask the company to stop calling me again. I spoke with XXXX and XXXX XXXX about the constant calls. XXXX but they continue to call. The company still has not sent me communication via mail concerning this debt and they are still calling me 2-3 times per day.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I had a mortae through XXXX bank. On XX/XX/XXXX my mortgage was transferred to XXXX. I made a mortgage payment in the amount of {$1100.00} on XX/XX/XXXX with funds be removed from my checking account on XX/XX/XXXX. This payment was for my XX/XX/XXXX payment. When I went to make my XX/XX/XXXX payment with myloancare.com, they said I still owed them for XX/XX/XXXX payment. I called XXXX, which took an hour to get to a person. I was told I needed to contact XXXX bank and ask them to reimburse my payment to me so that I could pay it to XXXX. I called XXXX bank and was told that the funds had been transferred to XXXX and they could not reimburse me. I asked if XXXX could contact myloancare.com to sort this out and I was told by XXXX that I need to call XXXX and take care of it myself. On XX/XX/XXXX, I called back to XXXX, waited another hour to speak to a person. I ended up speaking with XXXX at XXXX who informed me that they could not see my previous ticket and I would need to start the process over and submit a new request. I did ask to be transferred to a supervisor. I spoke with XXXX, who told me I would need to submit a new request. When asked if there was a simpler way to contact them, I was told no, I have to go through their hour long phone tree each time. I submitted a new request with all requested information. I have now submitted requests 4 other requests to resolve this issue and apply my {$1100.00} payment to my mortgage. It is now saying my payment is past due, but it has been paid. I have gotten 2 responses from them asking me for a transmittal form which I don't know what that is and neither does my bank where I have my checking account. I have submitted 2 more requests with what XXXX XXXX XXXX XXXX and myself believe to be a transmittal form with no response from myloancare. I am so frustrated and scared. I do not have the extra money for this, I do not want to lose my house. Please help me. 

I have attached all document I have sent to myloancare to prove I made this payment to 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 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
This company continues to call and harass me by calling my job, my coworkers, friends and my family. I've asked for the calls to stop but they just continue. They harass me everyday. I want the harassment to stop ASAP!

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 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2021 I attempted to disburse weekly allowance funds to the beneficiary from our XXXX XXXX Rep/Payee account. The attempt was declined on several occasion until I decided to call my local banking branch to inquire about our attempts being unsuccessful. 

A banking rep did a further investigation to why this error was happening and indicated the account was placed on restriction. I asked why and he said he would have to call to find out. 

Bank rep called me back the same day and stated the account has been placed on restriction and placed for closure because the beneficiary who had a personal account with Chase Bank had an outburst at a local branch in XXXX XXXX IL. 

I asked why would that negatively impact the XXXX XXXX XXXX XXXX account and he stated it was because the beneficiary name was attached to the account and any account with his name attached would be closed. 

I pleaded with the rep to reconsider or to allow me to send a letter to ask for leniency because the Beneficiary attached to the XXXX XXXX XXXX payee account we established has an array of XXXX  XXXX which would have explained the outburst that took place at the Chase Bank branch in XXXX, IL. 

XX/XX/2021 XXXX XXXX XXXX XXXX wrote a letter of inquiry about the Account Restrictions and Account Closure. I attempted to send via the security message system with the Chase Online banking platform, however that option wasn't available because of the Account restriction placed on the account. 

I emailed my Chase Bank Rep and attached the letter an asked that they send it to the appropriate department for review. 

Just waiting on the response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am being sued in civil court in XXXX XXXX Ohio by portfolio recovery associates. They basically are dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. The judge in the case has been incredibly kind and generous as far as allowing me the time to pursue all avenues regarding this case however they are not going to allow this to go on forever. Portfolio recovery associates has not responded to my requests for validation of the debt or my requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery called about a credit debit that I have no knowledge of or owe the company. 



Account Details Last XXXX of Account Number : XXXX Seller : XXXX XXXX  Merchant : Original Creditor : XXXX XXXX Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES, XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX credit card balance is still being reported in my credit report even though I paid the debt via collection agency for XXXX. Settled the debt and paid XX/XX/2021. They continue to report a negative balance and late payments. Requesting late payments be deleted and balance reflected as {$0.00} and/ or deleted from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: OK

Complaint narrative:
Recieved a letter from XXXX XXXX on behalf of Jefferson Capital Systems LLC in mid XXXX around the XXXX it was dated XX/XX/XXXX. I wrote them a letter of Debt Verification and mailed it XX/XX/XXXX certified to the address they gave. They have not responded and have listed it on my credit report illegally. I called them the day it was reported to my credit file asking them to remove the report until this was validated. The representative then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: NY

Complaint narrative:
There's this company called Credit Control , LLC XXXX XXXX XXXX XXXX XXXX, XXXX. 
located at XXXX XXXX XXXX, XXXX XXXX, XXXX MO XXXX. 

I never headed from this people before, and never had any business issue with no one. 
now i got this letter says that i owed money to a XXXX. 

the last time i headed from XXXX was back in 10 years ago. I had a house back then. and so many mortgage companies took over the XXXX XXXX, which i lost control. 
in the house was sold on short sales which all the paper work was done. but nothing related with XXXX 

The only think i can think of it, this XXXX issue, has to be related with this house. but this was resolved long time ago.. 

Now this company must provide me with any documentation that can support this claim. 
otherwise i would then to stopped this imitate..

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 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Health Care Management Services, Inc.
State: GA

Complaint narrative:
I told this company to stop calling and they called me XXXX  times in less than XXXX mins. I have the proof.

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 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I Received a letter from a debt collector claiming I owe a debt to them. Company Name : Portfolio Recovery Associates, LLC. I disputed this debt with them and ask for Verification of this debt which they haven't provided me as of yet. I informed them that the information on the debt is inaccurate and that I'm not associated with this debt and to. Please Remove From my Credit Reporting. I then got in touch with the Original Creditor. XXXX XXXX  in which they informed me in writing that the debt was SOLD to Portfolio Recovery Associates, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: OH

Complaint narrative:
TransUnion is reporting inaccurate information on my consumer credit report. I have previously contacted them but did not obtain cooperation. I have also attached proof of my identity XXXX Driver 's license, social security card, and credit card ) because TransUnion has failed to investigate prior complaints alleging that they were not submitted by me. It should be noted that these after investigation, these accounts were removed from my XXXX  consumer credit report. Please see attached FTC Fraud Report and other related attachments

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