vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have an account with TD Retail Card Services for a Raymour and Flanigan Store purchase. I made all my payments, one payment I made early, the card company applied this separate payment to the principal on the card and refuses to apply it as a payment because it was early. I literally paid this company early and they reported it to my credit as being late because of they way it was applied. I have tried disputing this, and calling them, I even had a representative agree that this was wrong but they could do nothing about it. I believe the reason for this was because it was an interest free credit purchase, so if they can call it late and apply my payment like this the terms are no longer interest free and they can start charging me fees on top of the interest. I need help, I want my payment applied correctly as a PAYMENT and not principal only and this removed from my three credit reports. A company should not be allowed to do this to consumer 's. Also, I requested that the company close my account, and they still have not closed it and reported as closed to the credit bureaus. I even submitted a dispute and they denied reporting as closed. I need help getting this company to do the right thing. I have bank records as proof of this payment and email proof of my request to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc
State: OH

Complaint narrative:
At XXXX XXXX  XX/XX/2021 i was called on my personal cell phone with an activation code from Chime. Between XXXX XXXX  and XXXX XXXX  on XX/XX/2021 i received 6 text messages with a security code for my new account. The problem I NEVER setup an account with chime - i was in bed asleep when this happened. I called Chime at XXXX at XXXX and spoke to an agent. She was difficult and sounded uninformed on how to handle wrong account information or fraud. She told me i must PROVE that my phone number belongs to me, they would need my phone bill to validate. She was able to validate that my name ( XXXX ) is not the name on the account. The IVR recognized my phone number so there systems are aware i called from my phone number. Yet they refuse to help me stop fraud = someone using my phone number on there account ( weather it is an innocent mistake or fraud Chime should NOT be enabling fraud .. they should be working to investigate each call where a consumer is notifying them of possible fraud. instead i have been brushed off as someone is using my information. Chime is either to small to create a fraud team to escalate & investigate issues or concerns- or it does not care about keeping consumers information secure and taking steps to mitigate fraud .... I need my phone number removed from this account as it is NOT my account - i have NO financial relationship with Chime ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: MI

Complaint narrative:
On Thursday XX/XX/2021 I setup a payment to pay in full two XXXX collections that were with XXXX XXXX. 

Reference No 's are as follows : {$250.00} XXXX {$1800.00} XXXX Both accounts are paid in full and closed, but XXXX has yet to update the credit report. I feel as if I have been scammed and this company is not apart of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On Thursday XX/XX/2021 I setup a payment to pay in full two XXXX collections that were with XXXX XXXX. 

Reference No 's are as follows : {$250.00} XXXX {$1800.00} XXXX Both accounts are paid in full and closed, but XXXX has yet to update the credit report. I feel as if I have been scammed and this company is not apart of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have automatic deduction from my checking account on the XXXX of each month.Every month this year, around the XXXX of the month I have gotten a phone call from the requesting that I make a payment.Each time I explain to the rep.that I have the automatic deduction.Each rep looks at my account, agrees with me and promises to correct the issue, apologizes for the error.The reps.that called me are as follows : XXXX XXXX on XX/XX/XXXX @ XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX @ XXXX XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX @ XXXX XXXX.Additionally, each month I get a letter from Shellpoint notifying me that my mortgage payment will be deducted from my checking account on the XXXX of that month and that if I wish to cancel the draft to contact them, which I never have done.Any assisstance you can give me will be appreciated.I have copies of all letters sent sent to me, but do not have capability to scan them to my computer.I could fax them to you if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I disputed these accounts with XXXX  and they only removed one. All 3 accounts were fraudulently opened. 

Bank of America {$690.00} ( Suspected Fraud Activity ) Bank of America {$180.00} ( Suspected Fraud Activity ) XXXX XXXX  {$440.00} ( Suspected Fraud Activity ) - RECENTLY DELETED

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 2021-04-20 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: MI

Complaint narrative:
XXXX XXXX XXXX is appearing on my account with an account from XXXX. Please verify this debt, as it has appeared on my credit account 3 different times under different creditors. This account was paid in full to the original credit XXXX  due to return equipment in the winter of 2019. This is an attempt by a company without any access to pay them.

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 2021-04-20 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: MI

Complaint narrative:
XXXX XXXX XXXX is appearing on my account with an account from XXXX. Please verify this debt, as it has appeared on my credit account 3 different times under different creditors. This account was paid in full to the original credit XXXX  due to return equipment in the winter of 2019. This is an attempt by a company without any access to pay them.

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 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am trying to pay my capital one collections account but they make it impossible. When I call I put in my social and it redirects me to a law firm I have never heard of. This law firm tried to get me to enter into a consent judgement form that would allow them to garnish my VA XXXX. 

I had no idea what this was and the lady on the phone said it was a pay for delete agreement. I had to XXXX it. Capital one themselves will not negotiate with me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: National Collection Systems, Inc.
State: NC

Complaint narrative:
The company and or scamming is called National Credit Management. Website does not look official and I called them, and all aspects seem very suspect. Consistent calls with no identification of who is calling. My student loans are serviced through XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: NC

Complaint narrative:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent onXX/XX/XXXX) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

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 2021-04-20 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I disputed these accounts with ChexSystems and they only removed one. All 3 accounts were fraudulently opened. 

XXXX  XXXX XXXX {$690.00} ( Suspected Fraud Activity ) XXXX  XXXX XXXX {$180.00} ( Suspected Fraud Activity ) XXXX XXXX  {$440.00} ( Suspected Fraud Activity ) - RECENTLY DELETED

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 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
I sold a home in XXXX, GA on XX/XX/2020. I am owed {$3800.00} in escrow from the sale of this house from Dovenmuehle Mortgage , Inc . The load was serviced through XXXX XXXX XXXX. The property address of the home that I sold is : I did co-own the home with another owner, but I am the only one due the escrow payment since I was the one who put the down payment on the house. Neither one of us has received any payment from the mortgage company. 

I have called both XXXX XXXX  and Dovenmuehle Mortgage Company numerous times inquiring about the escrow payment. Every time I contact them, I am told that the check was sent to the address of the property I had sold. I understand that, however, it was never forwarded to my new address and I have not received it. I am not sure why they would send a check to a house I just sold, which makes me question if it was ever sent at all. I have also heard a lot of excuses for the non-payment. Then again, I have also been promised many times that the check would be sent to my current address. I have even been given dates to expect the delivery of it. All of this to no avail. This issue is not only frustrating, but the mortgage company has a legal obligation to ensure I receive my escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had a loan with Bank of America back in XX/XX/XXXX for my primary residence located at XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX. I applied for a modification, made the trial payments and was approved for a modification, which was never executed, no payments were made and I defaulted. The loan was then transferred to XXXX XXXX  XXXX. I applied for another modification and was granted. My house was put up for sale in XXXX of XXXX, I have a contract and was supposed to go to Settlement on XX/XX/XXXX, but Bank of America sent XXXX a partial claim for XXXX saying I got the 1st modification. Since XX/XX/XXXX I have been going around and around with Bank of America, XXXX trying to get someone to release the XXXX partial claim that I do not owe. I need a release or something stating the XXXX partial claim is null & void. The modification back in XXXX was never executed and defaulted. Someone got paid on that loan with title or coinsurance, but I never got the modification. BOA transferred my loan to XXXX XXXX XXXX following the default. 

I filed a complaint with US National Banks back in XXXX complaining about Bank of America never giving me the modification in XX/XX/XXXX. I also filed a complaint with Federal Reserve XX/XX/XXXX, US National Banks against BOA. I missed my settlement for the sale of my house last Thursday XX/XX/XXXX and it is rescheduled for this Thursday XX/XX/XXXX. If I do not have that release, my buyer is walking. Please get this information in front of a supervisor or someone that can send XXXX so this can be taken care of ASAP.

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 2021-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: CO

Complaint narrative:
Valor Intelligent constantly is calling my phone number, that I am owing already for 7 years. They are trying to collect dept that is not mine. They are asking for XXXX, but there is no any XXXX under my number. My name is XXXX XXXX. I do not want to change my phone number because of lots of my business and clients tied up to my number. Changing it it would be mess for everyone. I told Valor Intelligent several times that there is no XXXX under this number, but they are still trying to calling me. I just want Valor Intelligent leaving me alone and stop calling me 1000 times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: RC Willey
State: UT

Complaint narrative:
We received a statement from RC Willey reflecting activity and charges we did not authorized. We had purchased and returned some items from the store and specifically charged the purchase on our Visa card - not the store credit card. The accounts lady said she did not understand why we weren't using the store card and my wife specifically told her we wanted to pay with our Visa card for personal reasons.

We then received the statement from the store ( and our Visa statement ) reflecting the lady reversed a charge to the Visa card and then charged the store credit card, contrary to our instructions. Moreover, some of our returns are not reflected on the Visa card. 

When my wife contacted the accounting offices of the store, they indicated that return credits are reserved on the store account until other purchases are made to offset future purchase costs. This dies not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, we refinanced our home with XXXX XXXX XXXX ( PHH Mortgage Services ). At that time we paid into escrow over {$5000.00} for property taxes that were coming due in XXXX. In XX/XX/XXXX we found out that our taxes were not paid and we contacted XXXX XXXX XXXX to find out what happened. At that time we were instructed to fax a copy of our property tax bill to them and they would look into it. On XX/XX/XXXX we faxed a copy of the property tax bill to them and a couple days later we followed up with another phone call for an update. At that time we were advised that they were still looking into it and to call back. This has been going on for two months of repeated phone calls and being told that its being looked into. Finally, on XX/XX/XXXX we received a letter from XXXX XXXX XXXX c/o PHH Mortgage Services stating that WE are responsible for the property tax payment ( despite there being approximately {$8000.00} in escrow ). Due to XXXX XXXX XXXX failing to pay our taxes on time we incurred {$640.00} in penalties and interest from our county tax assessor.

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 2021-04-20 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: IL

Complaint narrative:
Someone in Equifax office added someone elses account Information to my credit file by the name of XXXX XXXX according to all 4 creditors. His and my information are completely different. 

It should not take 30 plus days to remove his information from my credit file. They should be able to see that the name, address, date of birth and most importantly social security number does not match my information. 

When speaking with the creditors Ive been advised that when Equifax sends the dispute they do not send any supporting information so the creditors are confirming that the information is valid because they did not provide the creditors with any information that shows who the accounts belong too. I want this rectified. 

I want the below accounts removed from my credit profile and placed on the correct persons profile XXXX XXXX per each of the below creditors. 

Collection Accounts XXXX XXXX acct # XXXX XXXX XXXX  - XXXX Closed accounts Premiere Rental Purch acct # XXXX XXXX XXXX XXXX acct # XXXX These accounts were added between XX/XX/21 and XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: NC

Complaint narrative:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a notification from my XXXX XXXX with Comenity Bank. I have the card since XX/XX/XXXX and have recently made limited purchases due to the pandemic. 

In fact, I have made limited purchases with all my store cards due to the pandemic. 

They advised they closed my card due to negative item on my XXXX  Credit report. 

As mentioned, I have not made any recent purchases and the latest thing I did was refinance my home to get a lower monthly payment and interest rate in XX/XX/XXXX. 

My chapter XXXX is 6 years old from XX/XX/XXXX. There are no late payments all bills have been paid on time during this pandemic. Closing of accounts that have been opened for some time have a negative effect on the Credit Reports. I do not believe it is fair to close accounts based on old data when I have consistently paid all my bills on time and there are no late payments or anything negative on my account since the XX/XX/XXXX Chapter XXXX filing. 

This is a violation of my rights under FCRA and TILA. Companies should not be doing this in the middle of a pandemic negatively affecting the credit of consumers that have responsibly paid and struggled to maintain their creditworthiness during XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received an email stating that Im no longer able to use paypal or its services. They put my money on hold for 180 days for reasons they could not explain and that I have to wait 180 days. Ive used this service for many years and this is the first time Ive ever had to experience this all because my significant other sent me money that they owed me. They completely blocked my account and Im unable to even transfer my money to my bank. I have not violated any of their agreement terms so Im not understanding why I am no longer able to access my account.

Company response to consumer: Closed with explanation