vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD AUTO FINANCE is claiming that I owe an alleged debt of {$42000.00} which I, the consumer believe and do so believe this debt has been already paid for. I am a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). I am also aware that TD AUTO FINANCE is a creditor pursuant to 16 CFR 433.1 ( c ). I, the consumer, has reason to believe and do so believe ALL of my billing statements as well as ALL the amounts I have from TD AUTO FINANCE is a billing error. Pursuant to 12 CFR 1026.13 ( a ) ( 6 ). Pursuant to 12 CFR 1026.13 ( a ) ( 4 ) the term billing error means a reflection on a periodic statement of the creditor 's failure to properly credit a payment to the consumer 's account. TD AUTO FINANCE has failed to properly credit all of my payments. I also have reason to believe and do so believe TD AUTO FINANCE has my social security number on file which represents a credit card according to 12 CFR 1002.2 ( k ) meaning that when I provided my social security number my alleged auto loan debt from TD AUTO FINANCE has already been paid for. I, the consumer, has reason to believe and do so believe pursuant to 12 CFR 1002.2 ( a ) my account with TD AUTO FINANCE is an open end credit plan which means I, the affiant should not have to pay any alleged debt that, TD AUTO FINANCE claims that I owe. I, the consumer, is aware that TD AUTO FINANCE may not try to collect any portion of any required payment that the consumer believes is related to the disputed amounts pursuant to 12 CFR 1026.13 ( d ) ( 1 ). Lastly, I, the consumer, is aware that according to my certified XXXX XXXX XXXX from the Secretary of State I, the consumer/debtor dont have any liens against me along with me not having any debt attached to me. This further proves that I, the consumer, doesn't have to pay this alleged debt that TD AUTO FINANCE claims that I owe. See attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} -CH XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$780.00} ARS XXXX Owed : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$780.00} XXXX XXXX Owed : {$600.00} XXXX XXXX Owed : {$1100.00} XXXX XXXX Owed : {$5200.00} XXXX XXXX COL XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : $ XXXX Opened : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to 15 usc 1681a ( XXXX ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card.

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below.

They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the negative accounts reporting on my Credit Report : XXXX XXXX {$320.00} XXXX  XXXX {$0.00}

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
Consumer complaint received 2021-11-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
After XXXX I had not used this credit card and have been stuck paying the bill. Since XX/XX/11 my card has been fraudulently charged by an unknown person. I have brought this up to XXXX several times after I noticed the transactions in late XXXX. XXXX cancelled my account issued a new card and have not since given me any written notice of the fraud being taken care of and deducted from my credit statement. The account was paid in full in XXXX on the XXXX. I am still receiving bills and calls from XXXX to make a payment when in fact they owe me money as none of these charges were even from me. I have had late fees and interest fees charged when I am not supposed to owe anything. 
I need help, XXXX has said they will fix this and has not and has charged me since my report made to them in late XXXX. I am so frustrated no one has helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I purchased a home in XXXX of this year ( 2021 ). My first payment was due in XXXX and I paid my mortgage on time to the servicer which was XXXX. I later received a letter from JP mortgage Chase indicating that they acquired my loan and that, begging XX/XX/XXXX, I was required to send my payments to them and to forgo any payments to XXXX XXXX. I contacted JP Morgan Chase to confirm that they had acquired the loan ( as I had not received a letter from XXXX indicating that the loan had been sold ) and Chase confirmed that the information that was provided in the letter was accurate and that I should pay them beginning XXXX XXXX, 2021. I therefore, paid Chase via automatic payments for my XXXX mortgage. 

Since then, Guaranteed Rate sent me a letter indicating that I am delinquent on my XXXX payment and that they have no record of my loan being transferred. JP mortgage Chase is indicating that this is in error and that they absolutely acquired my loan. Ive attempted to resolve the issue and have been in contact with both mortgage providers but each of them continually give me instructions to communicate to the other provider. I feel that the consumer ( myself ), should not be the delegate between XXXX separate mortgage companies about a transaction that they initiated without my involvement. Both companies XXXX Chase XXXX XXXX ) are informing me to make my XXXX payments to them and Guaranteed Rate continually indicates that I am overdue ( despite the fact that Chase already applied my XXXX payment to the outstanding mortgage balance ). 

In summary, I need help determining who is the proper owner of my mortgage. I will make the payments without issue as long as I know who to make the payments to. However, as it stands, I have XXXX companies, indicating that I own them monthly payments in the exact same amount ( for the same property ). In effect, my mortgage has just doubled. I need assistance in getting the XXXX companies to correspond so that this matter can be cleared up. Thank you ion advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
As a consumer and natural person of the United States of America, I expect the CFPB  to enforce the laws it is bound to. Acima is in violation of numerous federal protection laws : -Acima is in violation of 15 U.S. Code 1692 ( b ) ( 2 ) and ( 5 ).

-Acima is in violation of 15 U.S. Code 1635.

-Acima provided me wit ha consumer lease pursuant to 15 U.S. Code 1667.

-When I submitted my credit card ( ssn ) to Acima , I entered into is a consumer credit transaction pursuant to 15 U.S. Code 1679.

-All alleged obligations therein the attached consumer lease are the true obligation of -Acima is in violation of 15 U.S. Code 1692e.

-Acima is in violation of 15 U.S. Code 1667a.

-Acima is in violation of 15 U.S. Code 1635.

-Acima is in violation of 15 U.S. Code 1681a ( d ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am in fact the natural person and I am submitting this complaint myself. There is no third party involved. On XX/XX/2021, my husband was served documents by the county sheriff 's office. In reviewing the documents, I found that the paperwork was served on behalf of Midland Credit Management Inc. for BREACH OF CONTRACT. The exhibits provided by the company used false and deceptive means as well as forms to represent that I the consumer owed a debt to their debt collection agency when in fact I have not received any goods or services from Midland Credit Management Inc. Their company failed to express any contractual obligation I have to pay their company anything. On XX/XX/2021, a magistrate ruled against Midland Credit Management Inc in my favor. This complaint is being filed as a means of redress for violations of my rights by this debt collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. 

They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

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 2021-11-24 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: EQUIFAX, INC.
State: NV

Complaint narrative:
For the second time this year, after filing a dispute with Equifax about fraudulent inquiries, Equifax sent me a dispute resolution letter showing that the fraudulent inquiries had been removed. Still, they did not remove them from my actual credit report. 
Attached to this complaint, the dispute resolution letter received from Equifax Confirmation number or Case # XXXX dated XX/XX/XXXX, and Equifax Credit Report from XX/XX/XXXX, are attached to this complaint to evidence that Equifax is violating the Fair Credit Reporting Act of 1970 and Dispute Process required by Law. 
Please advise that I have been denied a mortgage, credit cards, loans due to those fraudulent inquiries in my credit report, and I have the creditors denial letters to evidence my allegations ; I provided required Identity Theft reports for those inquiries to Equifax several times. 
After the dispute process and investigation, Equifax informed me thru the attached letter that the fraudulent inquiries had been removed. However, those inquiries are still affecting my credit file as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: WA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Collection : XXXX XXXX balance {$0.00} ; XXXX XXXX balance {$860.00} ; XXXX XXXXXXXX balance {$170.00} ; XXXX XXXXXXXX balance {$400.00} ; XXXX XXXX XXXX balance {$55.00} ; XXXX XXXX XXXXXXXX balance {$500.00} ; XXXX XXXX XXXXXXXX balance {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XXXX I applied for a XXXX mortgage at Ally and in order to lock in the rate at XXXX for which I was " pre-approved '' I had to pay the {$550.00} to lock in the rate. I did pay the {$550.00} and from that point on Ally was not telling me the truth based on the " pre-approval. I want to start off saying that my credit score averaged XXXX which is over the requirement. Ally did not accept my third quarter Profit and Loss statement so I went to my book keeper who provided XXXX XXXX which showed a monthly income of {$4100.00}. On the P/L my XXXX draw was shown as Outside Services for which the business pays me the monthly officeXXXX draw of {$1000.00}. Ally NEVER counted that as my income. Also I explained to Ally that the cards with the large balances were my fathers. On Thursday XX/XX/XXXX XXXX XXXX instructed me to pay off the {$5000.00} balance so that they would show XXXX so I could still lock in my rate. On Monday XX/XX/XXXX when I kept showing proof to XXXX that my cards were paid she insisted I have to have the screen shot of the cards. I told her that I paid them on Friday the XXXX so they didn't post yet. Ally played the bait and switch trick because every step that I followed so I could get approved was not working. I spent {$5000.00} only to be told that I didn't qualify for XXXX yr and that I would need to get a XXXX with a by down of {$3300.00} for 2.65 %. I emailed at XXXX on Tuesday the XXXX to XXXX that I'm withdrawing my application and I want my {$550.00} back. XXXX replied no problem. since they were dishonest with the credit card debt and not including the {$1000.00} per month on my officer 's draw. Ally emails me at XXXX on the XXXX that I was denied. I wasn't denied I withdrew and they STILL did not refund my money. Ally makes customers pay up front to lock in a fake rate they will never give. In addition, I followed the instructions of XXXX to pay off my credit cards and spent {$5000.00} dollars only to be told " Sorry I told you to do that. '' Then XXXX tells me she can't tell me the reasons because she is to allowed and not licensed in my State of XXXX  why would she be paired with me if she can not relay the information from the underwriter. The underwriters are not trying to approve at the rate Ally tells you will get and then they will switch it to another one where you will buy points down. This cost me a lot of money and they could not calculate a debt to income ratio. I was told " I can not explain how we figure that out. '' Please never use Ally they are dishonest and plan on selling your loan to another servicer. Save your {$550.00} for a more honest place. Do not use Ally.

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 2021-11-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX. XXXX, I mailed an affidavit to XXXX in regards to inquiries on my report. I recieved a letter claiming that my inquiries have been investigated and are valid. I spoke with XXXX different agents and requested that they send me the documents and report that proves an investigtion was completed. The agents claimed they are not obligated to do so. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the inquiries that you are reporting in my credit report. 

Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021, I received an email from Wells Fargo indicating my communication preference has been changed to receive statements by mail. I did not make this request. I do not consent to Wells Fargo sending correspondence by mail. I have previously requested that any and all future correspondence must exclusively be sent to my post office box. 

I called XXXX XXXX customer service department. It was brought to my attention that I dont have access to online banking due to fraud. The agent has to transfer me to the fraud department. I spoke to XXXX different agents in the fraud department and both disconnected the call while I was waiting for a supervisor. I was on hold for over an hour and still did not get to a supervisor. Both agents disconnected the telephone call and I did not receive a call back. The first agent was in North Carolina. The second agent was in XXXX XXXX. I was fully authenticated by both agents. 

My issue was not resolved in a timely fashion. The XXXX agent said my account was open and active. I asked if I have capacity to login to my account and use my checking account features. He replied yes. I then tried to login to my online account and was denied access. The website indicated my credentials require attention and to go to wellsfargo.com and login for instructions. 
I followed the instructions and kept receiving the same error message. I called Wells Fargo and was transferred to the incorrect department. I was then transferred again to another department where the automated system hung up on me. I spent more than an hour trying to resolve this issue. I currently dont have access to my money due to no fault of my own. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential litigation. Criminal and civil claims will be pursued.

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