vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7700.00}, {$6400.00}, {$4100.00}, {$19000.00}, {$36000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of $ XXXX-This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$36000.00} -This is not my account.

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 2020-10-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am having difficulties with Bank of America. I paid-off 2 refinancing loans with Bank of America. They gouged me on these loans. I have used their credit cards before. I have paid them vast amounts of cash over what I borrowed. Bank of American has insisted that I am a very good customer. I owe them for 2 credit cards. For neither one would Bank of America establish a re-payment program. They harassed me with many nuisance phone calls. Finally, from a third party vendor, I set-up repayments on the lower card. I have been making payments regularly on this card. For the other card, no payment plan was set-up. They even refused to do a payment plan. Now they are taking legal action against me without ever giving me the opportunity to set-up a payment plan. What type of company operates like this?

Thank you.

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 2020-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
On XXXX XXXX i used TransferWise app to transfer XXXX $ XXXX to XXXX. 
When I filled up information such a first, last name if receptionist, I checked currency exchange rates, fee, I realize other company XXXX has a better rate and lower fee. I didn't push the final button to complete this transaction. 
Then I found link on XXXX in group, a link for TransferWise, which is promising to have free international transfer. 
I try to transfer money by this link, it is showed me free transfer, then I proceed and pay with my credit/debit card XXXX XXXX XXXX. 
When I received my bank statement for my surprise I had 3 transactions by TransferWise : 1.XXXX XX/XX/160 $ US XXXX converted to XXXX $ Can 2 XXXX XX/XX/160 $ US which converted to XXXX $ Can. 
3.XXXX  XX/XX/160 $ US which converted to only XXXX $ Can, that it's mean shortage of XXXX $ Can. 
My ticket number for this issue is XXXX. 
I tried to call their number XXXX, nobody answered, automatic voice says- '' this number is unavailable ". 
I contacted them from the app to asked why they didn't refund me full amount, as I didn't proceed first transaction, even I have email confirmation they fully refunded my credit card, but wasn't! 
Confirmation email from XXXX XXXX XXXX : Money refunded ( # XXXX ) Hello XXXX, Your transfer of XXXX USD to UAH has been cancelled. 
So weve refunded XXXX USD back to your card. You should have it in the next 410 working days depending on how quickly your bank or card company processes refunds. 

Refund details Amount refunded : XXXX USD This what they answered on second email : '' Re : Cancellations and refunds XX/XX/2020, XXXX XXXX Hi XXXX XXXX Theres no fee for cancelling and refunding a transfer. Well always refund the full amount you paid us, regardless of the type of transfer you made. 
However, in reviewing your transfer XXXX, I can see you paid using an international card. When you pay using an international card, your bank might charge a fee to convert your money for you which seems to be the case here. You'll need to contact your card company. 
You paid in XXXX USD which is the amount we refunded back to your card. 

Should you have additional questions, let us know. 
Best, XXXX XXXX TransferWise Yesterday I spoke with representative XXXX XXXX XXXX they stated, they do not charge any fee, and suggested me to contact the merchant, what I did so. 
For some reason they can not dispute this transaction. 
I will take another step will go on Monday, XX/XX/XXXX to my local branch, and try to speak with supervisor or manager, will see what they gon na suggest to me. 
In the same time I hope you will help me out. 
Thank you, Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SN SERVICING CORPORATION
State: AZ

Complaint narrative:
My husband and I purchased a home in XXXX through XXXX XXXX XXXX. Two years later, we were very close to losing our home because of the recession and being in a  compromised financial situation. We had an 80/20 loan and the  primary mortgage which was with XXXX XXXX worked with us to keep our home. XXXX XXXX modified our loan and we were able to stay in our home. On the other hand, XXXX  XXXX XXXX which was the Home Equity Line of Credit did not modify and our account went into default. A few months later, XXXX  XXXX XXXX sent us a XXXX  balance notice and we thought everything was written off due to the predatory lending that XXXX and XXXX  XXXX XXXX were involved in. We thought nothing else of it until XX/XX/XXXX when realtors showed up at my door step informing me that they could help with our foreclosure. I was informed that this collection agency SN Servicing XXXX Trust has a lien on our property and is proceeding with foreclosing on our home come XXXX XXXX. I have received a Trustee Sale that has been filed with the XXXX XXXX Office. I feel hopeless. I thought that debt was taken care of by XXXX  XXXX XXXX. I have called XXXX  XXXX XXXX and they show no record of the original debt. How is this possible? We feel hopeless due to not having the XXXX balance notice. It has been 13 years and this debt collector popped out of nowhere. Is this legal to do? How can a debt collector take someone's home like this. It's been 13 years and we were victims of the predatory lending practices of XXXX. A few days ago I received a settlement check from XXXX law stating we were part of an appraisal class action lawsuit against XXXX XXXX XXXX. And now this. I can not comprehend and I need someone to explain what is happening here. I called the debt collector to see what was owed and it is outrageous. I looked this debt collector on the XXXX  website and they have 13 complaints against them. I am concerned with the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: LoanCare, LLC
State: CA

Complaint narrative:
In XX/XX/2020 I applied for a 3 month forbearance due to COVID-19 and was approved. During this time I received letters saying my account was past due. I called repeatedly and they told me to ignore  the letters, I was in forbearance. In XXXX I said I could resume payments and closed the forbearance both online and over the phone. I resumed payments in XXXX as scheduled. Loancare/XXXX  sold my loan to XXXX in XXXX with first payment due to XXXX  due in XXXX. When I called XXXX, they hadn't received any of the info on the forbearance or deferment from LoanCare/XXXX. I attempted to pay in XXXX, but was told not to because it would be considered a partial payment and they could not accept it. Same in XXXX. I had to defer additional payments in order to get the account current. 

In XXXX LoanCare/XXXX  reported my account as 60 days past due even though I had an approved forbearance, causing my credit score to go down 139 points. I spoke with a representative on  XX/XX/2020 and he said they have no record of anything regarding the forbearance or deferral and it should not have been reported as past due with an approved forbearance. I disputed the late payment report with XXXX. 

I am unable to do a refinance to a lower rate which would lower my mortgage by {$500.00} per month due to this inaccurate credit reporting.

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 2020-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD account number : XXXX TD debit card number : XXXX I canceled my TD checking account. I used my debit card to return items at XXXX after the account was closed. I never received a check or refund for the following transaction and have contacted XXXX who tells me they successfully sent the money to the credit card. 

XX/XX/XXXX : XXXX refund ( XXXX ) I called TD on the following two dates : XX/XX/XXXX ( XXXX customer service ) and XXXX ( XXXX XXXX timestamp XXXX XXXX  EST ) XXXX sent an email to the department that would handle closed account transactions to get information. When I called back XXXX told me the department claimed they never had any record of the 'transaction ' or of a store attempting to give me a credit. I never gave a specific transaction the first time. I was not allowed to contact the department directly or dispute the transaction ( I was told I could not dispute the transaction - not receiving credit- unless I had a complete record of when I purchased everything I returned - not just the information from the refund ). I was never given an option to escalate the inquiry or request an investigation. I was left with no options other than to just lose money. I checked with XXXX and they sent the refund over and from there everything is the responsibility of TD ( attached proof from XXXX ). 


The debit card accepted the transaction and did NOT decline it. I will to get a full refund of the amount TD owes me, as well as full records of my account in case there are other transactions I am unaware of since TD is refusing to give me records or let me speak to the proper department and is handling this inappropriately and irresponsibly. 

In addition, I have submitted multiple requests and TD keeps completely bungling them. I had multiple transactions and instead of looking for each transaction separately, they combined them and told me they didn't find a transaction with the amount. 
I just received a letter saying they never found a transaction in the amount of XXXX but I never gave them that amount. They are handling this completely wrong and it's astounding the level of incompetence they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accelerated Receivables Solutions
State: MI

Complaint narrative:
On XX/XX/2020 I sent a certified letter to Accelerated Receivables requesting validation of an alleged debt of {$960.00}. They received the certified letter on XX/XX/2020. They have failed to respond to my letter in a timely manner. Them failing to respond they have violated federal and state laws, but also have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account reported accurately. I also sent them a good will letter in attempt to resolve this matter. I have my credit reports from XXXX XXXX showing no update and no comment was added to show it in dispute and I also have one from today XX/XX/2020 the XXXX day showing no update to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
I stayed at XXXX XXXX in XXXX XXXX with my wife Mid spring 2015. 

Without any notices in the mail, phone calls or any efforts to settle this. I noticed a bill on my credit report in collections 6 months later for a {$400.00} debt to XXXX XXXX. 

Not knowing what this {$400.00} was for i tried to reach out and they said it was for some phone bill. 

My wife and I both have cell phones and don't understand why we were charged {$400.00}. 

We paid for all our rooms at the property advance and did not use ANY minibars, hotel room service or amenities. 

I tried contacting them and they just tell me I owe {$400.00} and there is nothing i can do about it. 

I have amazing credit and this is the ONLY collection on my credit report and by far the most unprofessional organization i have EVER dealt with. 

To make matters even worse, they some transferred the debt to my FATHER who's name is XXXX XXXX XXXX and has NEVER in his entire life been to XXXX XXXX. It is not fair to me or my father to have this negative remark on our Credit Reports. 

We have both tried disputing the charge on XXXX, but years later im asking CFPB for help to resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: LoanCare, LLC
State: CA

Complaint narrative:
In XX/XX/2020 I applied for a 3 month forbearance due to COVID-19 and was approved. During this time I received letters saying my account was past due. I called repeatedly and they told me to ignore the letters, I was in forbearance. In XXXX I said I could resume payments and closed the forbearance both online and over the phone. I resumed payments in XXXX as scheduled. Loancare/XXXX sold my loan to XXXX in XXXX with first payment due to XXXX  due in XXXX. When I called XXXX, they hadn't received any of the info on the forbearance or deferment from LoanCareXXXX I attempted to pay in XXXX, but was told not to because it would be considered a partial payment and they could not accept it. Same in XXXX. I had to defer additional payments in order to get the account current. 

In XXXX LoanCareXXXX reported my account as 60 days past due even though I had an approved forbearance, causing my credit score to go down 139 points. I spoke with a representative on XX/XX/2020 and he said they have no record of anything regarding the forbearance or deferral and it should not have been reported as past due with an approved forbearance. I disputed the late payment report with XXXX 

I am unable to do a refinance to a lower rate which would lower my mortgage by {$500.00} per month due to this inaccurate credit reporting.

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 2020-10-24 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/2020 I applied for a 3 month forbearance due to COVID-19 and was approved. During this time I received letters saying my account was past due. I called repeatedly and they told me to ignore the letters, I was in forbearance. In XXXX I said I could resume payments and closed the forbearance both online and over the phone. I resumed payments in XXXX as scheduled. XXXXNewRez sold my loan to ShellPoint in XXXX with first payment due to Shellpoint due in XXXX. When I called ShellPoint, they hadn't received any of the info on the forbearance or deferment from XXXX/NewRez. I attempted to pay in XXXX, but was told not to because it would be considered a partial payment and they could not accept it. Same in XXXX. I had to defer additional payments in order to get the account current. 

In XXXX XXXX/NewRez reported my account as 60 days past due even though I had an approved forbearance, causing my credit score to go down 139 points. I spoke with a representative on XX/XX/2020 and he said they have no record of anything regarding the forbearance or deferral and it should not have been reported as past due with an approved forbearance. I disputed the late payment report with XXXX. 

I am unable to do a refinance to a lower rate which would lower my mortgage by {$500.00} per month due to this inaccurate credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I spoke to the senior loan officer XXXX XXXX at Freedom mortgage on XX/XX/2020 about refinancing my VA home loan here in XXXX Florida and I told him that I had {$100000.00} that I wanted to put toward the principal of the loan and he agreed that it would be done that way on XX/XX/2020 I received an email to sign some closing statements and upon reading the statement he didn't write the loan statement up to what we had agreed to. He wanted to use my XXXX XXXX dollars to prepay the finance charges upfront over the entire history of the loan and continue to charge monthly interest also instead of putting my XXXX towards the principal I feel that this was very fraudulent and deceitful Behavior buy a mortgage company. I want to put that money to good use because my wife is seriously ill she suffered a massive XXXX massive XXXX XXXX XXXX and she's XXXX and she's 100 % dependent on my care I want to make sure that our monthly mortgage payment is always affordable so that I could keep a roof over her head and financially secure. With her major illness prepaying {$100000.00} finance charges is not putting the money to good use I feel this is very fraudulent Behavior it needs to be dealt with and now I can not contact XXXX XXXX XXXX at all his email doesn't work anymore no one at the company seemed to know who he is.This needs to be investigated to see if other people are being treated this way.The name of the company is Freedom mortgage the address is XXXX XXXX XXXX XXXX XXXX XXXX New Jersey the lender XXXX ID 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 2020-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I had already disputed this with the company telling them that i was incarcerated when this debt occured and i was not reponsible for it so im not paying for someone using my identity i felt the should of canceled it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank Savings and Checking fees of nearly XXXX dollars I want back. 
Hi, I had a withdrawal problem with another bank where I was quickly forced to move my funds from Citi Checking to Citi Savings. Citi Checking originally provided a " bank credit '' on those fees and then after a few days later pulled a quick one and charge the same fees on my Citi Savings account. 

I like my fees returned. They keep creating opportunities to assess high fees that were not really disclosed clearly. I really don't like their products and services and told all my business friends to tell their other business friends to just remove their funds from Citibank and I will continue to promote Citibank avoidance on social media if they don't stop these fees and return actual fees of nearly XXXX dollars back to me. 

Thx.

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