vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I've sent 3 separate letters asking that the company stop contacting me other than for the purpose of validating the debt. Despite my legal request the company has repeatedly contacted me in an attempt to collect the debt via both phone and email. They call multiple times despite my asking them both on the phone and through mail to stop contacting me unless they can validate the debt. 

First letter was sent to the company on XX/XX/2020 Second letter was sent to the company on XX/XX/2020 Third letter was sent to the company on XX/XX/2020. 

I have received the following verified phone calls at these times and dates from the company, however, several other phone calls are also suspected to be from the company which constantly calls from different numbers making it difficult to track them all : XX/XX/2020 - XXXX XXXX   XX/XX/2020 - XXXX XXXX  XX/XX/2020 - XXXX XXXX  XX/XX/2020 - XXXX XXXX   XX/XX/2020 - XXXX XXXX  XX/XX/2020 - XXXX XXXX XX/XX/2020 - XXXX XXXX  And more, that's as far back as my phone history goes. Everyone of those calls occurred after I asked not to be contacted and constitute a violation of the Fair Debt Collection Practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I have disputed Security Credit Systems which is on my credit for an  account they claim is through XXXX XXXX. Since i have disputed this as not mine they provided documentation from a company from XXXX XXXX and the documentation does not have any indication that it belongs to me or that i signed an agreement with XXXX XXXX. No Signatures, the information is all typed out and does not prove that I have an agreement with either of these names. This makes 3 names total. I need this removed from my credit as this is hurting me and they have called threatening to sue me and sending different letters/people to my home harrasing me of this debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The reason for my complaint is to bring to your attention some of the issues I am have with my commercial Mortgage company Wells Fargo Bank. The bank is circumventing regular channels in order to force me to pay fines I am not obligated to.

My LLC is the borrower of the non-recourse loan. However, Wells Fargo is suing me personally, for the repayment of a loan on my business property along with fees, interest, and penalty while refusing to allow me to go to closing on the buildings which would allow me to obtain the necessary funds to pay them. They are using threatening and bullying tactics through their legal counsel to extort money from me. Additionally, the attorney of the bank threatened me multiple times to try and force me to sign away my protective rights under my loan agreement. The attorney prevented me from communicating with the bank and refused to negotiate unless I gave up my rights.Wells Fargo is threatening to foreclose on the buildings even though we have a Buyer, the redevelopment authority of XXXX XXXX County, Maryland. Closing has been scheduled for XX/XX/XXXX by the title company, however the bank refuses to cooperate and give a payoff quote. Instead they have filed a law suit against me. 

I purchased the buildings in XX/XX/XXXX, and they were doing well financially until I was approached by the Redevelopment. In XX/XX/XXXX, I was informed that the buildings were under the development plan. In XXXX, the XXXX issued a letter of Eminent Domain. 

I would appreciate any assistance you could give and if you could look into the unfair treatment from the bank. If you can help me persuade Wells Fargo to provide a payoff quote to the Title company which would allow us to close.

Thanks.

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 2020-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have submitted a complete financial documents to my lender and they claim they have not received complete taxes now taxes for XX/XX/XXXX/XX/XX/XXXX have been provided now they claim because I submitted XX/XX/XXXXTax Transcripts the file is not complete.

Transcripts come directly from the IRS and are to be accepted. They are delaying the process of my review causing me to fall future behind on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: FL

Complaint narrative:
I have a debt from XXXX XXXX XXXX showing as collections for {$1200.00}. It shows this account was opened in XX/XX/XXXX. This is for a cable provider. I have not had cable since XXXX and this has been on my report as collections since XXXX. I had XXXX XXXX in XXXX and things feel behind soon thereafter. This was one of those bills. My marriage ended in XXXX and this is one of those bills I could not pay because I had to keep my XXXX son in his special school. I understood that the cost would be this stayed on my  credit report until the end of XXXX. But they reported it as new again. I disputed it and they claimed it is a new account. The service address was XXXX XXXX XXXX. I have had 2 addresses since them. The amount is also not correct because I eventually turned in the cable boxes and remote controls that they charged me for but they never took it off my balance since it was gone to collections by then. 

I understand it was my bill. I also have been denied credit and paid higher interests rates on the credit I have been able to secure as I try to rebuild my credit because of this collection that has been on my credit for more than 8 years now. For many years I couldn't event get internet because XXXX XXXX was the provider. I did limited internet on my cellphone because that was all I could afford. But obviously that was a problem I caused for myself because of this problem. 

Please confirm that this is NOT a new account and that this has been reflected as a collections account since XXXX. I have old versions of my credit reports if you need them. Thank you for helping me move on from this very dark chapter in my life and start building a responsible credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: IL

Complaint narrative:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are 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
Consumer complaint received 2020-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
To whom this may concern .guild mortgage company has been sending me threatening me just start making me pay my monthly payments. I am involved in the Cove in 19 caract for forbearance. I have evidence that shows that I have documents that prove that Guild mortgage has allowed me to be involved in the forbearance program. I want this lettuce to be stop sending to me from Guild mortgage. Do you start emants that I have proof that the situation is existing and going on. Am I want is threatening letters to be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # 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 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America, the bank where my checking account is domiciled, unilaterally debited {$700.00} from my checking without my consent. I have sort explanations from the bank and what they told me is that it was used to give me a credit line. I did not authorize them making that deduction. I have demanded that this is reversed and the bank has refused. Rather they have been passing me from staff to another. I request that revert my money back to my checking account so that I can close the account and move to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collections Acquisition Company, Inc.
State: CA

Complaint narrative:
The XXXX XXXX XXXX business was a XXXX XXXX XXXX XXXX that I was paying for my child. 
Suddenly around fall of last year, I noticed that my son 's tutoring program was changed without my permission. I asked why, and I was told it was by his father. 
I promptly called him and told him to desist from doing so, because I am the one paying. 

At the same time, my bank changed their systems and needed me to re-install all standing orders and so on. Unfortunately, this XXXX XXXX XXXX company was unable to take their amount. And why it took such time for them to communicate this problem to me, was puzzling. As soon as I knew I fixed the problem at the bank. 

Still, this XXXX XXXX XXXX failed to honour my request to return my son 's program back to what it was supposed to be ; despite being the paying parent. And having my knowledge than all of them about education pertaining tot he child who I literally tutored from birth. 

In any case, I reset the account information and they continued to receive their payment. No one ever told me anything about collection action and no documentation of that notice was ever sent to me. 

I had no way of knowing such an action existed and this had caused it to be damaging to my credit in many ways. 
In fact, it was by sheer chance that I found out today that this had happened and has been since XX/XX/2019 ; despite the fact that I do not owe this company, I do not owe this amount and I have no debt with them. 

In fact, this company owed me for failing to inform me of changes even though I was the paying parent. In addition, there were months my son received no classes before and after the pandemic while they kept charging me repeatedly. 
For these reasons, I want them to refund all the money I paid for classes from XXXX to XXXX. Thus, this company is fraudulent and can not be trusted. 

They did not care about the impact of this unknown development on the parent of the child they are teaching, and who has been paying them for years ; but choosing to report me to the credit bureau on a whim, and keeping the information from me in a way that was damaging to me is unconscionable. 
I only found out this morning while checking for an unrelated item. 

Despite my continual payments to them for services, they never corrected the error, or deemed it necessary to inform me of this problem. 
This is a shock to me and I find it hard to believe that the manager could support an action like this and not tell me. 
This action shows a lack of humanity and I want this to serve as a lesson for others to share.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: FL

Complaint narrative:
I don't believe that mine account. I do not have access to the documents related to this account. I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit.

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 2020-10-13 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recover ACCT # 's : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Express Recovery is reporting a debt on my credit file that I do not owe. I am unaware of any debts that I owe them because I have been working with the hospital. I called the hospital and they assured me they would take the accounts out of collections and transfer it back to the hospital. This debt should have never been sent to collections, it is erroneous and needs to be removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: MS

Complaint narrative:
I have a collection on my credit report for a medical bill. I have not been to any doctors for at least 12 years and had insurance. This is either not mine or way to old to get documents to validate. I despised this info with an investigation with trans union. I received notification that it was complete and found to be correct. However, it cant be correct. I have not been to any doctors in over 12 years and had I durance to pay for anything that I had done. 
The file reference number 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 2020-10-13 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX, XXXX is fraudulent on my credit Account # 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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I spoke with XXXX XXXX supervisor at transunion XX/XX/2020 and elaborated to him that transunion was reporting an inquiry on my credit that I didnt authorize and I needed it removed he went on to tell me how he couldnt help me and told me me that I needed to contact the creditors I told them that I did by mail and phone they told me to contact transunion which I did at this point Im getting the run around and all I want is the inquiries I didnt authorize to be removed

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 2020-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I disputed the 2 collections with XXXX  and the Collection Agency I.C. Systems by  certified mail, with a return receipt, requesting that they validate the 2 accounts that they are negatively reporting. XXXX  stated that the debt was validated, however when I followed up requesting that they explain how the debt was validated, they never did. I sent a certified letter giving them 30 days to provide that information. I gave I.C. 15 days to provide proof that the accounts they are reporting are indeed mine. When the time passed, I spoke to an agent at I.C. Systems who advised me that I was the one who had to prove that the debt does not belong to me.

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 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/2020 while reviewing my American Express Serve account online, I noticed a {$420.00} " transaction pending '' transaction. I immediately contacted American Express Serve to inquire about the charge. They informed me that it was for an XXXX   purchase and the payment was processed through XXXX. I informed American Express that I did not order anything from XXXX in the amount of {$420.00} nor did I have a XXXX account. I also informed American Express Serve that I did not recognize the merchant and I did not make nor authorize any such charge to my card. I then instructed them to immediately cancel my card, AND DO NOT PAY THE MERCHANT as I did not make the purchase and there was fraud on my account. They closed my card and reissued me a new card.I checked my account on XX/XX/2020 and noticed that American Express Serve paid the merchant anyway after I instructed them not to. I completed the declaration of Fraud form per their instructions and provided supporting documents from my XXXX  account showing that I had not made any such purchase for {$420.00}. I then received notice that American Express Serve denied my claim. I requested another investigation be done and asked them to provide me with all of the information they relied upon in making their denial to accept my claim. I have not received anything from American Express Serve. I filed a second fraud claim and provided more evidence ( see attached ) from both XXXX who confirmed that no such purchase was made on my XXXX  account and that I did not have a XXXX account connected to my XXXX account. I also provided them with verification from XXXX confirming that I did not have a XXXX account the day of the purchase. My XXXX account was not created UNTIL XX/XX/2020, three months AFTER the fraudulent charge to my Serve Card was made. XXXX had no account for me and could not locate any account under my name at the time the charge was made, and indicated that my bank needed to refund my money. Again, American Express Serve denied my claim ; stating their decision was based on " after reviewing your XXXX purchase history, you must have authorized the purchase. ". This is totally absurd as both XXXX and XXXX have indicated that I never made any such purchase on my XXXX account, nor did I have a XXXX account to process the payment. American Express Serve simply refuses to refund the {$420.00} back to my account and ignore all of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I paid my loan off last year. XXXX XXXX has been calling me everyday. When I ask for them not to call they said they don't have the capability to put me in do not call and that Navient sent my information to hundreds of places and they are calling me everyday. XXXX is one of the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was told by Wells Fargo that I could defer 3 months of payments due to COVID-19 on XX/XX/XXXX then they told me about 2 months later I didnt qualify because my account was delinquent

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