vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Had a vehicle loan with TD Auto, I refinanced my car with XXXX XXXX on XX/XX/2020. Prior to me refinancing my car I made a payment about a week before. XXXX XXXX got pay off, that included my payment because it didn't post yet. TD Auto stated my refund is {$400.00} TD Auto received payment in full from XXXX XXXX on XX/XX/2020. I've called several times in reference to my over payment. I still haven't received my refund. I sent an email and I called on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 - XXXX XXXX stated check is holding due to having GAP & service warranty it taking time. 
XX/XX/2020 - XXXX stated check was cut & sent to my address. Sending it be traced & escalated XXXX XXXX XXXX stated sending email to supervisor to call me. Stated call back @ XXXX next day if I don't get a call back XX/XX/2020 - XXXX transferred me to supervisor - on hold for 45 minutes, no one answered - she sent a supervisor a message to call me XX/XX/2020 XXXX XXXX stated reaching out to supervisor, should get a response in 5 days. 
XX/XX/2020 XXXX XXXX - on hold for 35 minutes then XXXX XXXX picked up - transferred me to supervisor. 
XXXX XXXX, supervisor - stated sending email directly to department. Will call once get a response from them. 

STILL WAITING ON A RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hi Chase ; how are you? I'm looking at my credit report and the balance still reports incorrect, incomplete, and unverifiable. If you see, I have a confirmation number # XXXX for {$1500.00}. This is paid but it's reporting incorrect and erroneous! It's taking more than 60-90 days and still not resolved. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DISTURBING ENTRIES REPORTING ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS AND INQUIRIES SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-09-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DISTURBING ENTRIES REPORTING ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS AND INQUIRIES SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CREDIT AGENCY IS REPORTING CHILD SUPPORT OWED WHEN THE COUNTY/STATE DOES NOT DIRECTLY REPORT TO CREDIT AGENCIES WHICH VIOLATES MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT.

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 2020-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
I went to the ER in XX/XX/19 after I was injured at work I had my XXXX XXXX up where it was XXXX XXXX  after a fall at work. XXXX the company that owns XXXX XXXX was who I was working for workman 's comp is responsible for 100 % of this bill.XXXX claims management services was who handled my claim.debt recovery solutions is the company that is trying to get me to pay the bill.the debt solutions has all my info to call XXXX and get the claim # and such. They have my ssn and dob.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: OK

Complaint narrative:
My Card was stolen and all the money was used off of it. I reported the card stolen and ordered a new one. The card company then transferred me to the transaction dispute department and after 4 hours on hold the call hung up on me. I've called repeatedly to fix this issue and after hours on hold it hangs up and I never get to talk to a agent. 

Card was stolen a second time. Same issue as before XX/XX/2020 ATM Withdrawal/XXXX  XXXX XXXX XXXX Ok/XXXX/ {$100.00} XX/XX/2020 ATM Withdrawal/ XXXX XXXX XXXX XXXX OK/ XXXX {$200.00} XX/XX/2020 ATM Cash withdrawalXXXX XXXX XXXX XXXX XXXX OK/ XXXX {$43.00} XX/XX/2020 ATM WITHDRAWAL FEE/ XXXX  XXXX XXXX XXXX OKXXXX XXXX {$0.00} XX/XX/2020 PURCHASE/ XXXX XXXX/ XXXX OK/ XXXX {$32.00} XX/XX/2020. XXXX XXXX XXXX XXXX OK/ XXXX {$74.00} XX/XX/2020. XXXX XXXX XXXX XXXX XXXX/XXXX  OK/ XXXX {$47.00} XX/XX/2020 PURCHASE/ XXXX   XXXX  XXXX/ XXXX FL/ XXXX {$28.00} XX/XX/2020 PURCHASE/ XXXX  XXXX FL/ XXXX {$28.00} XX/XX/2020 PURCHASE/ XXXX  XXXX XXXX {$27.00} XX/XX/XXXXPURCHASE/XX/XX/XXXXXXXX  XXXX OK/XXXX/ XXXX XX/XX/2020 PURCHASE/ XXXX XXXX  XXXX XXXX OK/XXXX/ {$20.00} XX/XX/2020. PURCHASE/XX/XX/XXXXXX/XX/XXXXXXXX XXXX OK/XXXX/ {$7.00} Everyday I have called my card company, been on hold for hours at a time and it always hangs up before I can talk to anybody

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Please be advised that on XX/XX/2020 we became victims of a fraud. 
While checking my emails in the morning I noticed an email from Citibank notifying me of a XXXX transaction of {$2000.00} to XXXX. Right away I logged in into XXXX and I noticed the transaction, however the balance of the account remained unchanged. Later on was apprised that this transaction was a failed attempt. We did not authorize this transaction. 
I called customer service right away and I have been told that there was another transaction for {$2100.00} to NAME WITHELD. This one went through. We did not authorize this transaction either.

My account was blocked and when we went to the brunch to open the new account we were also apprised that the phone number on record was different. XXX-XXX-XXXX is not a number associated with our phones. We do not have any contacts associated with aforementioned phone number. We do not know anyone by the NAME WITHELD We did not do any business, purchases or any interactions whatsoever with anyone by that name. 
We had our debit and credit cards and phones in our possession on all times and obviously we did not share out credentials with anyone. 
We DID NOT authorize the transaction for {$2100.00} on XX/XX/2020 We DID NOT authorize the transaction for {$2000.00} on XX/XX/2020. 
We have been Citibanks loyal customers for over 20 years. We always believed that our money were protected in our bank! 
We filed the police report for the crime of grand larceny. The copy of the complaint is attached. 
We are asking Citibank to fully investigate our claim diligently and to credit our account for {$2100.00} stolen from us.

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 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
The Money Source sold my brand new refinance loan within days of its closing and did not notify me in any way, and still has the loan open and is asking for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: MA

Complaint narrative:
Hi XXXX ; how are you? I'm looking at my credit report and the balance still reports incorrect, incomplete, and unverifiable. If you see, I have a confirmation number # XXXX for {$1500.00}. This is paid but it's reporting incorrect and erroneous! It's taking more than 60-90 days and still not resolved. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-09-30 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi XXXX ; how are you? I'm looking at my credit report and the balance still reports incorrect, incomplete, and unverifiable. If you see, I have a confirmation number # XXXX for {$1500.00}. This is paid but it's reporting incorrect and erroneous! It's taking more than 60-90 days and still not resolved. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: MA

Complaint narrative:
Hi XXXX ; how are you? I'm looking at my credit report and the balance still reports incorrect, incomplete, and unverifiable. If you see, I have a confirmation number # XXXX for {$1500.00}. This is paid but it's reporting incorrect and erroneous! It's taking more than 60-90 days and still not resolved. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation
under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
on XX/XX/, Ace cash express called me and left a voicemail threatening to " locate '' me and that they threatened to file suit against me if i did not call and pay. I called scared and talked about a payment plan. I did want them to have my card information, so after the call attempted to reach the person who left the original message. After being unable to reach them, I was call today by the same lady who left a voicemail that they will disclose my information to my employer and " locate '' me, despite them giving them my address. I have noticed that they have been charged with the same offences that have happened to me, such as threatening to file suit if I do not pay them. I would like to see what can be done. They also threatened to " use my recording against me. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
After months of trying to amicably resolve this with this company, I then went to my credit card company, Capital One and addressed my concerns and requested that a case be opened on each file. After being promised that a file was opened, and calling back three times to find out this was not the case, trying to do this three different times without success, I asked for a manager by the name of XXXX who was able to assist me in opening the case. She advised based on the date of the transactions, that they would need to send this to the back office for review. NEVER once was I told under yesterday of the timeline I had to dispute such transactions. NEVER WAS I TOLD until TODAY the true status of my case after I was told several times that I would be contacted by mail within 10 days. Nothing has happened. They have requested paperwork that they've sent to MC only for me to be denied and ultimately for me to be re-billed. This is totally unfair and I have not been afforded the protection this company BOASTS of in protecting their customers. 

Only today was I given the correct information about the timeline for disputes, only today after calling for weeks to get an update that each representative promised would occur in writing in 10 days did I receive one after speaking with XXXX ( XXXX ) who informed me that my disputes were filed against Mastercard 's timeline and that Capital One would ultimately re-bill those provisional credit back to my card. I was advised to contact MC, only to be told by MC that THEY WERE NOT investigating any case and transferred me back to Capital One. The only thing that has been consistent is the inconsistent information and the POOR customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
Hello, I had a mortgage with Home Point Financial and was in a forbearance due to Covid ( My Husband worked for XXXX XXXX. The forbearance is from XX/XX/XXXX - XX/XX/XXXX. 
During the entire forbearance process I have been told that, due to Covid, the amount would be pushed to the back of the loan. 

My loan was then sold to XXXX XXXX effective XX/XX/XXXX. I received a notice from XXXX XXXX advising that the loan is in default. 
Called XXXX XXXX and was told the loan is due and they will not offer a deferment. 
Called Homepoint and XXXX on three way on XX/XX/XXXX. Spoke to XXXX at Homepoint ( agent # XXXX ) and XXXX at XXXX  ( asset Manager ). 
XXXX states loan is XXXX XXXX and DOES qualify for deferment of total amount at the end of the forebearance. 
XXXX states that XXXX doesn't service loans backed by XXXX XXXX so that is impossible. 
XXXX forwarded the loan origination documents and the loan IS backed by XXXX XXXX 
Homepoint then reported my loan 120+ days late to the credit bureau XXXX I have sent them an email, and they said it will be under review for 30 business days. 
Why was my loan transferred to a servicer who doesn't service XXXX XXXX? Will the deferral be possible? Why am I reported late while on a forbearance? 
I am extremely concerned and want a resolution.

Company response to consumer: Closed with explanation