vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
This is an additional complaint in connection to a previous complaint # XXXX about TD Bank. Since the previous complaint, more issues have arisen with lack of communication and professional responsibility. In XXXX of 2019, we faxed the required forms and supporting documents to TDBank for probably the third or fourth time. Then they sent us a letter once again saying we were missing a form for XXXX   XXXX. Thus, we completed and faxed that form with another set of copies of the supporting documents. XX/XX/2019 we received a letter from XXXX XXXX ext. XXXX of TDBank 's Loss Mitigation Dept. stating that they had everything and would be reviewing our loan modification. Then, THREE TIMES after, we received letters from TDBank stating that they still needed our tax forms and my husband 's P and L from his business that we had already given to them. We kept resending them to no avail. By the third letter, which included a letter from their lawyers, XXXX XXXX, on XX/XX/XXXX, I decided to call their paralegal XXXX XXXX to find out what was going on. She clarified that TDBank needed XXXX to complete their P and L form, because they couldn't understand his. If this had been clearly communicated before, we wouldn't have had to send the same things out multiple times. ( If you refer to our past complaint, this is an example of a constant issue. ) XXXX got everything over to XXXX through an email, and she clarified that she received it and would let us know if anything else was necessary. We have waited since XXXX to hear the outcome. In the process, on XX/XX/XXXX, we received a packet stating how much we were in arrears and that we would be perfect candidates to apply for a loan modification within 60 days!! Which made absolutely no sense, whereas we were currently waiting to hear about the results of our application already. XXXX XXXX, our HUD Advisor at XXXX XXXX XXXX attempted to call TDBank at the beginning of XXXX to get some clarification, but was not able to get through to anyone. ( This is another example of the issues that have constantly been occurring. ) I finally called on XX/XX/2019 since we hadn't heard anything. I spoke with XXXX XXXX XXXX # XXXX. She stated that we were denied, because XXXX  XXXX felt the payments would be too high. She couldn't explain why we didn't receive notification, or why we got the packet on XX/XX/XXXX. I explained to her that if this had been solved 5 years ago, and if TDBank would accept payments from us this entire time, it would not be this extreme and the amount would not be so high. On paper, it looks like we haven't tried to pay anything and are at least {$90000.00} in arrears. TDBank refuses to take any payments unless it is the entire amount, and they have set us up to fail over the past 5 to 6 years. We just want to pay our mortgage, and eventually own our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Duncan Solutions, lnc.
State: NY

Complaint narrative:
Robocalls are constantly being recorded on my machine. I do not know why ( nor how ) I got on this 'list ', but I have no debt, and nothing to say at this time. All my bills are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUTOMOTIVE CREDIT CORPORATION
State: AZ

Complaint narrative:
I provided the contract for this vehicle which was not financed by this company on XXXX. The company is not named as the assigned or loss payee on the contract and I have never taken a loan with them. Just because they have a paper with the price and monthly payments of the car doesnt mean they are the creditors. XXXX needs to properly examine documents in a dispute instead of automatically favoring the false account reporters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: CORELOGIC INC
State: TX

Complaint narrative:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I on XX/XX/2019 I obtained a loan from check smart financial/Cash Central in the amount of XXXX which was credited to my checking account. I had requested that the loan repayment be extended to XX/XX/XXXX. I then contacted them on XXXX by phone and requested that they revoke all ACH and debit transactions to my checking account and that I would make other arrangements to pay back the loan. The representative informed me that she would place a temporary hold for ten days, but that I needed to submit a request in writing within those ten days to make the revocation permanent. She provided me with an email address to submit the request. On XX/XX/2019, I submitted a written request to stop all ACH and debit withdrawals from my checking account. However, on XX/XX/2019 the company debited my checking account for XXXX. I attempted to resolve the issue by contacting them, however, they refused to credit the money back to my account. I then contacted my bank, XXXX and they issued me a temporary credit for XXXX. However, on XX/XX/2019, XXXX back reversed the claim and charged me XXXX. I contacted the bank and they told me that payday lender presented a loan document stating that I owed the money. However, Im not disputing the loan, I disputing their right and ability to take funds from my account when I specifically requested in writing that they stop all ACH abs debits from my checking account. According to consumer finance : You have the right to stop a payday lender from taking automatic electronic payments from your account, even if you previously allowed them. You may have signed a payment authorization, which is sometimes called an ACH Authorization. This gives the payday lender the ability to debit your account when your payment is due. According to Consumer Finance I am well within my rights to request that they revoke payments and I took proper procedures to make the  request. I have a copy of the written request and a picture of my call log making the initial verbal request as proof. I have exhausted all other options and efforts ; and submitting a complaint is the only option I have at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
as a veteran I was given a safety deposit box for free to date I am still billed from Chase I called ; rep said she would take care of today the bill doubled

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Today, Friday XX/XX/XXXX, once again Equifax has refused to give me my free annual credit report. I report this every year. I've spent hours trying to resolve this since XXXX. Every time CFPB ignores my actual complaint. 

I want to know why I can not get my credit report online from Equifax. I want to know why this happens every year since XXXX. 

This is the error I received : XXXX XXXX XXXX I DO NOT want a PHYSICAL copy of my report from Equifax mailed to me. 

I want it available online like it is supposed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Just recently I had a birthday and asked my father for assistance with catching up on payments that I was behind. The original amount I was past due was {$2200.00} I requested {$1500.00} in assistance from my father in hopes to apply it to my account to bring it current. After agreeing he asked me for the information to my account to make the payment and ensured me it was taken care of when I asked him if he was sending me the money. A few weeks went by and I received a phone call from a representative on the XXXX asking for payment to which I didn't understand. After speaking to the representative I learned that I was behind for the months of XXXX and XXXX to which an extension was granted. The agreement was to make the payment for XXXX on the XXXX. On the XXXX I found out that there was actually no way for me to make a payment at all and the amount due was for {$6100.00}. Confused I called the company and spoke to a few different representatives and was ultimately told that upon review of the account there had been checks mailed out on my behalf that were returned for ridiculous amounts which when asked, I was told checks written for {$9000.00}, {$9500.00}, {$9300.00} and one for  {$4500.00}. When asked which bank was listed as the paying account it was for a bank account I am not familiar with. I am positive this had something to do with my father and not only were these fraudulent payments not authorized by me, the original {$1500.00} I asked for was no where to be found, which I had requested as cash for my birthday. Now I'm facing a possible repo whether voluntary or involuntary, unless I can come up with the past due amount which exceeds {$5000.00}. When asked I was told the account is past due by 352 days which doesn't even make any sense whatsoever to me because I've only had the vehicle for a year which would have meant no payments were ever made since I bought the vehicle. I am attempting to get this matter resolved and this issue fixed so that I can keep the vehicle and get back on track because I am 99.9 % certain some sort of error has occurred and the wrong information is being reflected to the extent of either every payment for the last year has been returned or none of the payments I've made in the past year are being reflected. Every payment I've made has been going toward the interest which accrues daily and any payments toward the loan would apply to interest first not the balance of the vehicle meaning if any payments made were to be returned they would count against the interest not the principal of the loan. I can see the returned payments in the summary of the account but there is no information regarding where these thousands of dollars have been applied to any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have a Walmart credit card that was charged off in 2013. The payment information in wrong on the 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 2019-08-30 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Citi VISA COSTCO card was overcharged for a taxi in XXXX, XXXX  XX/XX/2019. The amount disputed was incorrectly reported to the vendor and should have been {$160.00}. Citi VISA COSTCO will not correct the error because they already reached out to the vendor with the incorrect amount as per Supervisor XXXX. 

The cost of the taxi from XXXX to XXXX should have been XXXX Euro. The taxi drivers colluded in XXXX and added 2 additional parties and charged a total of XXXX Euro or {$500.00} for a 1 hour taxi ride. This was dishonest and fraud. The XXXX   Euro cost of the shared taxi should have been split 3 ways between the 3 parties at {$43.00} Euro or {$48.00} each. When I tried to resolve this with the taxi driver he was nasty and threatened me in front of my family. I had no choice but to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Solutions
State: AZ

Complaint narrative:
Merchant has repeated phone calls, for debt Im not responsible for, theres no relationship with merchant. I believe my information was sold.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-30 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: Conn's, Inc.
State: TX

Complaint narrative:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I am currently receiving multiple calls per week at my job from Tower Loan. They have continuously called my school, as I am an XXXX, even though my account is current and NOT past due. I have contacted them multiple times and told them to not contact my workplace, especially if my account is current, but they have continued to call. This is due to a lack of organization on the part of the business. They have also mistakenly contacted me regarding other customers accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: FactorTrust, Inc.
State: TX

Complaint narrative:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: Credit Technologies, Inc.
State: TX

Complaint narrative:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
1. In XX/XX/2019, my mortgage was sold from Ocwen to PHH Mortgage. 
2. On XX/XX/2019, I had an automatic payment sent to Owen, 3. In XXXX, PHH said they did not receive the payment from Ocwen and said it will be a few weeks to a month before it is reflected in their system. To date, XX/XX/19 they still have no record of this payment. 
4. My loan has also increased by {$150.00} without them informing me. 
I have sent payments towards my balance numerous times and PHH mortgage says it does not satisfy the loan requirements. Meanwhile, my " balance '' keeps increasing and there is a " Notice of Intent '' 5. PHH has asked me to fax in my grievance - which I have done so on XX/XX/XXXX, to date I have not received indication the matter has been looked in or resolved. Each customer service rep keeps saying the same thing over and over and nothing has been solved. They keep saying, " they are looking into it. '' Please review the XXXX reviews, PHH Mortgage customer service is the worse, not helpful at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: Tate and Kirlin Assoc
State: MS

Complaint narrative:
I have a collection account listed on my credit report by a debt collection agency, XXXX XXXX XXXX, collecting on behalf of XXXX XXXX. XXXX XXXX XXXX is the current creditor, but Tate & Kirlin Associates , INC has been sending me letters offering to settle the account. XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX is licensed to collect in the state of Mississippi and therefore I am disputing this collection account. 
The collection account was last reported on my credit report on XX/XX/19.

Company response to consumer: Closed with explanation