vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 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: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
I had a fraudulent charge made on XXXX using my credit card number. I disputed the charge with my credit card company, TD Card. TD Card denied the claim on case number XXXX and referred me to XXXX. I contacted XXXX and was told that they had the order flagged as a fraud and that they refunded the money back to TD Bank. They explained that there were numerous incidents in XXXX of someone ordering phones online and having them sent to the XXXX XXXX using fraudulent credit cards and personal information. They would then, after approval, change the name of the person picking up the phone to their name so that the ID matches the person picking up the item. I detailed this on CFPB complaint number XXXX. I am refiling this complaint because this is the only method in which these people will communicate with me. In the reply from TD Bank employee XXXX XXXX, he states that he sent me a reply. That is false. The only reply I got was through the reply to the CFPB complaint. XXXX XXXX also states that he " contacted XXXX @ the number provided, they were unable to assist us in verifying the transaction as fraudulent ''. I contacted the XXXX Order Review Team again and they confirmed that someone from TD Bank called at the end of XXXX, but XXXX at XXXX told me that they told TD Bank that the order was flagged as a fraud and that the funds were returned to TD Bank. He also said that they provided all of the information asked for by TD Bank. This is a direct contradiction to the reply from TD Bank. Can CFPB please have an investigator call the XXXX XXXX XXXX XXXX at XXXX and provide order number XXXX and they will verify all of this. I can not get a reply from XXXX XXXX of TD Bank either through numerous emails or by phone. He will not reply. I have never had any communication from them. I have already sent my congressman a request for intervention and will be contacting my state attorney general for assistance today. All it takes is for someone to call XXXX and you will see that I am in the right here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
Reached out to apartment complex about settling XXXX $ move out fee on XX/XX/21. They advised me to send them a check to clear the fee. 

Two weeks later the debt appears with a collections agency. Apartment complex tells me they made mistakes and that I need to actually pay the debt to the collections agency. 

I have disputed with my XXXX  who ruled in my favor. The apartment complex is refusing payment and the collections agency is doing an investigation as to whether or not the debt should be paid by me to the complex or the agency.

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 2021-05-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is incorrectly reporting an account that has passed the 7 year mark. This account is over 8 years old and the other credit bureaus have deleted the account over a year ago but Equifax fails to update credits reports resulting in inaccuracies and causing adverse effects on my ability to obtain credit elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Union Credit Corporation
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I refinanced my mortgage on XX/XX/2021 through a new lender. Wells Fargo was supposed to refund my {$3800.00} escrow within 30 days and informed me of the refund via USPS mail. 

I'm still waiting for my escrow refund check on XX/XX/2021. 

Their system said that they cut the escrow check on XX/XX/2021. Again, I have not received it. When I called to speak to a person, they said they would cancel the prior escrow refund check and issue a new one, which would take 30 days. When I asked if they could XXXX  me a check ( given the amount ), they said no. 

I'm a long-standing WF customer, with over {$150000.00} in savings with Wells Fargo.

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 2021-05-24 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
ON XXXX CCS COLLECTIONS DAMAGE MY CREDIT PROFILE WITH XXXX  AND XXXX  WITH A MEDICAL BILL IN THE AMOUNT OF {$570.00} THAT VIOLATES THE FDCPA 15 USC 1692c ( a ) and ( b ) 15 USC 1692e ( 11 ). ON 5-23-2021 CCS COLLECTIONS DAMAGED MY CREDIT PROFILE WITH XXXX WITH A MEDICAL BILL IN THE AMOUNT OF {$570.00} THAT VIOLATES THE FDCPA 15 USC 1692c ( a ) and ( b ) 15 USC 1692e ( 11 ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: LA

Complaint narrative:
during application process lender collected XXXX dollar deposit and now will not reimburse the money after the application was terminated

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America closed my account without even notifying me. My account which is in good standing was frozen on the XXXX of XXXX and I went in and they refused to give me my {$800.00}. I am XXXX and I have a mere income of {$790.00} per month. Please help me get my money I owe the bank nothing. I have a disconnection notice from the electric company and have no money to give to them. I am XXXX years old and can't work. How do I recover my money I really need it they won't even tell me why they closed my account after more than 20 years being a valued customer. Please respond quickly I have no money

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 2021-05-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ive called experian, XXXX and XXXX to try and get some if not all of my hard inquiries removed because I did not recognize or authorize more than half of the inquiries listed on my report. It has been an issue for awhile now, and I have been trying to raise my credit score for months but it is dragging the score down drastically. In the past year there has been multiple hard pulls on my credit that I have not authorized.

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 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Schreiber Law LLC
State: MA

Complaint narrative:
XX/XX/2021 I settled a debt owed to Schreiber Law Firm, who was claiming to represent XXXX XXXX. I have the confirmation documentation of the payments receipt. 

Upon negotiating and receipt of payment it was understood that Schreiber Law Firm, would inform their client, XXXX, of the payment received and under XXXX XXXX  standard " pay for deletion agreement '' the account would be removed from my credit within 30 days. This agreement was negotiated with XXXX XXXX of Schreiber Law. 

On XX/XX/XXXX the account remained. I contact XXXX XXXX of Schreiber Law who informed me that the fault is on XXXX. She told me to call XXXX. I called XXXX who claimed they had no information on the account and no record of payment and told me to call Schreiber. 

I have called and emailed each company over 6 times in the past 50 days. Each company is claiming they can not speak to me about the account and that I need to call the other company. XXXX XXXX has stated that she will " Reach out to management '' however has not provided any follow up correspondence. 

As it stands now : - It appears that XXXX XXXX simply pocketed my payment and is refusing to tell their client XXXX. 
XXXX as a result is refusing to mark the account as paid and remove from the credit bureaus. 

These actions are preventing me from obtaining a home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/2021I used PayPal to make two purchases from what looked to be wayfair. The purchases totaled {$98.00} and {$97.00}. I utilized PayPal to make the purchase. After 3 days I reached out to the company about my order and to get a tracking number but did not get a response. On XX/XX/2021 I went back on to the website but when I went on it, it showed a warning that the site was a phishing scam site. So I filed a dispute with PayPal so that my money would be refunded. I included pictures of what the site is now saying when I go onto it. PayPal emailed that they would get back with a response. XX/XX/2021 PayPal emailed me that the seller provided a tracking number and now I have to contact them. I got back to the sellers website and it no longer exists. Also the tracking numbers given both show that they had been delivered XX/XX/2021. It doesnt show that they were delivered to my specific address, just shows it was delivered to a city and zip code and in or near the mailbox. Nothing from this company was delivered to me and if it had been, there would have been several boxes as I ordered an 8 piece patio furniture set and a gazebo. PayPal now wants me to contact a seller that doesnt exist and will not refund my money because the seller provided a false tracking number. Also should note that I have a video of the mail collected on the presumed date of delivery and also have alerts directly from USPS showing exactly what is coming to the mail and how many pieces are in the delivery for XX/XX/2021. Also the tracking numbers both have separate places of origin as well as 2 different sellers but were ordered from the same place. I will be providing these as evidence to support my claim as well as providing a copy of my identification to show that my address is accurate as well as my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I have been a customer with USAA since being activated after events ofXX/XX/2001. Since XXXX I have utilized many of USAAs products, such as car purchase, insurance, credit card products, and HELOC. I have never been late and all my accounts have been paid off and in excellent standing. 
In XXXX of XXXX, I contacted USAA regarding ( 2 ) accounts ( HELOC and Credit Card ). I explained that I was experiencing a XX/XX/XXXX hardship and my return to work and medical leave time available was unknown. I requested a forbearance for both accounts. After many letters and phone calls, I was told that USAA was not offering any relief for members. Then in XXXX of XXXX I was told that the only option available to me in regards to the HELOC was a short sale or settlement. 
I provided USAA all the documentation requested for a settlement so that I may just focus on my health and not collection calls. Today I was told that Settlement was declined due to equity in the property. I am so disappointed in USAAs decision practice of seemly asking a member to sell their home. I understand that foreclosure or bankruptcy proceedings are on hold, but why would USAA not provide its members other options. 
I am requesting an appeal of USAAs decision to deny the settlement of the HELOC account and the removal of the late payments reported to the credit bureaus by USAA since I first notified of the medical issue. 
I cant make the monthly HELOC payments and unsure of how long my XXXX will last, but I am willing to borrow from family and an active duty TSP account for the peace of mind of not having monthly collection calls from USAA. At this time in my life, I need to focus on my health and XX/XX/XXXX options. 
I have been a very happy customer in the past. I joined USAA while on XXXX XXXX because USAA had a reputation of servicing the men/women of the Armed Forces. As a veteran, I hope to continue a long relationship with USAA. I respectfully ask for a re-consideration of the USAA HELOC settlement and the removal of the late payments reported to the credit bureaus by USAA since I first notified of the medical issue. 

Sincerely, 20 year Customer of USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bepensa Capital, Inc.
State: IN

Complaint narrative:
I sent Credito Real an Affidavit of Truth signed with notary present XXXX or around XX/XX/XXXX via certified mail and green return receipt They replied with a letter and not another affidavit of truth. They did not rebut any facts. 

On or around XX/XX/2018 I, XXXX XXXX XXXX administrated a consumer transaction with Credit Real USA on the organization behalf using my credit card ( my SSN ). Pursuant to 15 USC 1602 ( l ), the definition of a credit card is any card, plate or coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

My Social Security Card was the credit card I used to administer this credit transaction in which a finance Charge was imposed on XX/XX/18. 
XXXX XXXX XXXX failed to follow federal Law 15 U.S.C. 1605 regarding a Finance Charge. 15 U.S.C. 1605 states that the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. 
Credito Real Required me to put a {$4000.00} Cash down which is a violation of this section Also Credit Real USA has been collecting on this account that was Cleary already paid using my credit card ( SSN ) and still tries to collect on this account monthly As the original creditor pursuant to 15 U.S.C. 1602 only I can validate this debt and DO NOT validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Lending Club Corp
State: FL

Complaint narrative:
I was a victim of identity theft and as a result several account have been reporting in my credit report i have try resolving this matter directly with the company providing then documentation of these fraudulent account XXXX XXXX XXXX # XXXX 
LENDING CLUB CORP # XXXX XX LENDCLUB XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please help me my family maybe left homesless. I am a victim of identity theft, I have submitted an FTC report and a Identity theft affidavit showing that the accounts listed aren't mine. These accounts are hurting me and my family badly. We are in the process of buying a house and are having so many problems with getting it because of these accounts. Please i have sent an FTC report and everything listed was not removed. My family can end up being homeless. What would you do if something like this was effecting your family in a negative way and you couldnt do anything about it. This is not fair I dont deserve for something to be on my account that is 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 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XX/XX/2021 I settled a debt owed to XXXX XXXX XXXX, who was claiming to represent Midland Funding. I have the confirmation documentation of the payments receipt. 

Upon negotiating and receipt of payment it was understood that XXXX XXXX XXXX, would inform their client, Midland, of the payment received and under Midland 's standard " pay for deletion agreement '' the account would be removed from my credit within 30 days. This agreement was negotiated with XXXX XXXX of XXXX XXXX. 

On XX/XX/XXXX the account remained. I contact XXXX XXXX of XXXX XXXX who informed me that the fault is on Midland. She told me to call Midland. I called Midland who claimed they had no information on the account and no record of payment and told me to call XXXX. 

I have called and emailed each company over 6 times in the past 50 days. Each company is claiming they can not speak to me about the account and that I need to call the other company. XXXX XXXX has stated that she will " Reach out to management '' however has not provided any follow up correspondence. 

As it stands now : - It appears that XXXX XXXX simply pocketed my payment and is refusing to tell their client Midland.

-Midland as a result is refusing to mark the account as paid and remove from the credit bureaus. 

These actions are preventing me from obtaining a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXXXXXX sinceXX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Glasser and Glasser, PLC
State: NC

Complaint narrative:
This Bill is over the NC debt collection-statute of limitations for three years and should not even be collected therefore. Glasser and Glasser needs to cease in collection and cancel the summary judgement. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a letter from XXXX XXXX stating that I owed {$600.00} and when I checked my credit report they had reported an unpaid account for that amount. I contacted XXXX, they told me to contact unifin which I did. The representative at unifin told me I needed to do my own research and pay my bills if I had a problem with something on my credit report. They would not give me any info about the debt. XXXX finally told me it was XXXX credit. So I contacted XXXX. They told me to contact synchrony bank. Synchrony did not provide any info. I never opened or authorized a XXXXl credit account and still have no idea what the charge is for. These four companies are holding my credit hostage unless I pay {$600.00} that I have no knowledge of ever incurring. Please help me understand how the XXXX credit account was ever opened without my knowledge and why cant anyone tell me anything about it. Why did I first learn of the debt after it was reported to the credit bureaus? When I requested in writing that XXXX send me debt verification, they sent me back a form letter stating that they needed more info from me. My request included the XXXX reference number, unifin reference number, synchrony account number as well as my name address and social. How can they do this to people?

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