vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
My work is such that I get a paper paycheck as I am a XXXX  XXXX who works under contracted agency. Thus I get paychecks for different customers. My paycheck a month ago was held for over a week! I was not told or informed at all, that my paycheck would be held that long. I have bills to pay and can not afford to consistently have all my paychecks held al least a week! 

Friday the XXXX of XXXX, my first paycheck with my employer was held for over a week before my own hard earning money was released to me! 

It happened to me again! I was paid on Friday XX/XX/XXXX, and put my check into my account. I called the bank to make certain this would not happened again and the representative with whom I spoke, assured me that my funds would be available the next morning. When I woke the next morning I immediately checked my available balance to only find yet again, a long hold put on my paycheck again! 

My account is overdrawn again with {$35.00} fee attached to each transaction. I simply can not go on having my paychecks held over and over for at least a week, and not being told. I can not live that way, as I am certain no one else can as well! It's simply greedy of TD Bank to do that in order to gain interest on my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mobiloans, LLC
State: TX

Complaint narrative:
I was recently going over my XXXX  credit report and I found some inaccuracies in their reporting. Here are the facts. 
Original Balance is incorrect. XXXX  is reporting the Original balance as {$2400.00}. Original balance after interest and fees was {$2100.00} Monthly Payment is incorrect. Monthly payment varied from {$150.00} - {$170.00}. 
Status is not 30 Days late. I have documents showing every time a bill would be coming up Mobiloans LLC would send me a email copies attached stating that his account comes with AutoPay* so no action is required if youd like to make the minimum payment. Mobiloans LLC has set the standard letting me know to not worry that my account will be automatically drafted each month. 
My wife spoke to Mobiloans and they said that the account was taken off AutoPay on XX/XX/XXXX. I never requested this. 

Now it my credit report is showing a 30 day late even though this was now my fault. 

I have tried to remedy the situation to no avail I will be attaching documents

Company response to consumer: Untimely response
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian ( and XXXX  and XXXX  ) show that I had an account with XXXX/XXXX  in XX/XX/2018, with a highest balance of {$210.00} and a payment of {$180.00}. I disputed this with Experian, who investigated my complaint, and informed me that the reported data was correct. All three agencies show that the account was opened on XX/XX/2018 and closed on XX/XX/2018. They show an account number XXXX**** I have carefully searched all my financial records and files, and I can not find anything to show that this account existed! 
1. I have no credit or debit card with this number 2. I have no record in my PDA ( Personal Digital Assistant ) of this account 3. I have no record of any check being issued for this amount ( {$180.00} ), nor any credit/debit card transaction for this payment. And I never pay cash. 

I know that this is a relatively small amount of money, and that the " account '' has been closed for more than a year, but I am very concerned that my name has been used fraudulently for some unknown reason. I am NOT satisfied with Experian 's handling of my complaint, and I want them to tell me who reported this incorrect information to them? What were the names of the payees/vendors? What were the dates of the transactions? How much was each transaction? ( Note that the reported " highest balance was {$210.00}, but only one payment of {$180.00} was made. What happened to the other {$35.00}? ).

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 explanation
Consumer complaint received 2020-02-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OR

Complaint narrative:
I sold my babys crib on XX/XX/2020. The buyer transferred {$110.00} to my phone number using XXXX XXXX  XXXX XXXX. I received an sms to accept the amount. As my phone number wasnt registered on XXXX I was told to wait for 3 working days for the amount to appear in my account. The buyer says that ot has been debited from their account but I havent received it. I contacted my bank PNC about the same on XX/XX/2020 and they say its an issue with senders bank ( XXXX  ). The sender says that they contacted their bank and the issue is with my bank.XXXX  says as I have XXXX with my bank they can not help me. I have attached senders bank statement and mine too

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is a fraud alert on my account nobody can get any info unless they could call a number I have listed which need to be updated there are 27 inquiries on my credit that experian has given my info to and there are addresses that I never lived at XXXX XXXX XXXX XXXX XXXX IL reported XX/XX/XXXX I have never lived there reported XX/XX/XXXX XXXX XXXX XXXX XXXX NY multi unit do not live there there a several names on my credit XXXX XXXX never used this name XXXX XXXX never used this name XXXX XXXX never used this name XXXX XXXX XXXX never used this name XXXX XXXX XXXX never used this name I have been violated under the fair act law

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 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I GOT A REFUND OF {$2400.00} FROM XXXX XXXX  XXXX   SINCE XXXX OF XX/XX/2020 TO MY ACCOUNT IN CHASE BANK WITH ACCOUNT NUMBER XXXX, ALL EFFORT TO COLLECT MY FUNDS HAS BEEN IMPOSSIBLE AND THEY CLOSED MY ACCOUNT AND REFUSED TO RELEASE THE FUNDS TO ME,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD

Complaint narrative:
This problem started due to a problem I had with XXXX XXXX. I retired two years ago, sold my house and live in an XXXX. XXXX XXXX  locked my accounts a few days ago because of the Know Your Customer ( Patriot Act ) laws. When I gave them next of kin address all became well with them. I've since opened an account with another national bank and they are OK with my addresses too. 
But this event scared me, so I decided that I would do business with two banks moving some of my safety net cash to USAA.

So I became a member of USAA. I then created a savings account, applied for a credit card ( which was approved in minutes ) and noticed that their investment products looked good. I decided to rollover my 401k into USAA IRA and purchase a fixed income annuity. 
I had USAA electronically transfer XXXX from my XXXX XXXX  account. At this point I thought all was good. 
A couple days later I found that I had been locked out of my account. 
I called USAA and was told that I was suspected of some fraud and that they would do no business with me. 
The last representative I spoke with told me that she could not tell me what would become of my XXXX deposit. She told me that she could not tell me if I would ever get the money returned. She also said that there was no one else I could talk to and there was nothing else anyone could do about it. 
I have no idea what fraud they think I committed. Some have suggested that I triggered some reporting " thing '' and that the money might have been turned over to the government ( IRS? ). I've read horror stories of this happening to people and people having to give up because they lack the resources to fight it. But my deposit was not cash, it was an electronic transfer triggered by USAA. 
Please believe me, I did nothing illegal. Obviously, I want my money returned. 
What kind of world do we live in when banks can just take our money away?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Johnson Mark LLC
State: OR

Complaint narrative:
I have disputed this debt as the dates that they claim this was incurred, I was out of the country. My accounts and credit report were part of the XXXX/XXXX   data breech and as a result I have had to resolve these issues on my report. However, this company has been particularly abusive and bullying in their tactics. They sent one letter on XX/XX/XXXX and then tried to serve papers on me inXX/XX/XXXX- for a debt that I am not responsible for nor, have ever heard of this company before. I have filed reports with 2 credit reporting agencies, so by law they need to stop harassing me, however, they have not. I am still trying to access XXXX  to dispute the reporting with them, however, due to the data breach, and misinformation on my accounts, I can not even access those records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I have disputed this debt as the dates that they claim this was incurred, I was out of the country. My accounts and credit report were part of the XXXX/XXXX  data breech and as a result I have had to resolve these issues on my report. However, this company has been particularly abusive and bullying in their tactics. They sent one letter on XX/XX/XXXX and then tried to serve papers on me in XX/XX/XXXX- for a debt that I am not responsible for nor, have ever heard of this company before. I have filed reports with 2 credit reporting agencies, so by law they need to stop harassing me, however, they have not. I am still trying to access XXXX  to dispute the reporting with them, however, due to the data breach, and misinformation on my accounts, I can not even access those records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
ANOTHER COMPLAINT AGAINST XXXX Serviced by Nationstar Mortgage LLC., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , TX XXXX, Mortgage Loan # XXXX : ESCROW ANALYSIS DATED XX/XX/XXXX IS IN ERROR THE ESCROW SHOWS ANTICIPATED ANNUAL DISBURSEMENT OF THE CONDO HOMEOWNERS INSURANCE, AMERICAN STRATEGIC INSURANCE POLICY TO BE PAID ON XX/XX/XXXX, IN THE AMOUNT OF {$400.00}. Attached is copy of next installment. 

According to the Condominium Rider as attached See Section B as lender waives the provision in Section 3 and Section 5 of the attached MORTGAGE documents as to maintain property insurance coverage is deemed satisfied to the extent that the required coverage is provided by the owners association policy. 

I submitted last XXXX of the owners association policy and not submitting the renewal of the owners association policy for XXXX. 

It was the error upon Nationstar Mortgage LLC, to incorrectly perform the Escrow Analysis that  was dated XX/XX/XXXX as I provided them the owners association policy for XXXX and now submitting for XXXX. 

I am demanding that based on Nationstar Mortgage LLC, error to correct the ESCROW ANALYSIS, DATED XX/XX/XXXX, as my own personal contents policy is not required under Condominium Rider as attached See Section B as lender waives the provision in Section 3 and Section 5 of the attached MORTGAGE documents as to maintain property insurance coverage is deemed satisfied to the extent that the required coverage is provided by the owners association policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: KY

Complaint narrative:
Southwest Credit Systems keeps calling my phone constantly. I did answer once to see what they wanted. I told the lady to stop calling because it was illegal and she called me a XXXX before I hung up. This debt is for XXXX originally and it was under another CA called XXXX XXXX  for awhile and removed and now it's is back under this new CA. This is bringing my score down because they even put on there that I was 60 days behind. I have not been with XXXX since 2014 when the account was closed. They are re-aging this account and I know that's is illegal to do. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I want to contact Capital One directly to appeal a late payment that is listed on my credit report. I have contacted the credit reporting agencies to look into this matter without success. I have been with Capital One for about 2 years now and have only had one payment over 30 days due to being locked out of my accounts because my password was compromised and on the dark web.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I filed a claim for an ATM withdrawal on XX/XX/2020, in the amount of {$700.00}. I attempted to withdraw {$800.00}, including the ATM fee of {$3.00} on XX/XX/XXXX, however, I only received {$100.00} from the XXXX XXXX  ATM. Therefore, I proceeded to file a claim for {$700.00}. I received a provisional credit on XX/XX/XXXX while the claim was being investigated. I then received a letter in the mail on XX/XX/XXXX regarding my claim update : it was denied. I was provided with a very poorly printed document that was comprised of multiple transactions from the ATM ( maybe a transcript, not sure ). The letter said that the bank relied on that sole document to come to a conclusion regarding my claim. I can barely make out what the thing says because of how discolored and dismal the document looks. But I can see where my transaction of {$800.00} was supposedly dispensed on XX/XX/2020. Inaccurate. The transcript just says what the ATM was supposed to give me, but that wasn't what happened. I appreciate the time and effort Bank Of America put into this claim, but it isn't just. The camera in the bank will prove my rendition of what happened. I have a full-time job, thus I don't have time to lie about an ATM error. Machines make errors, like theirs did. Sorry, that isn't sufficient enough to deny my claim.

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 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX, XXXX  AND TRANSUNION HAS INACCURATE INFORMATION ON MY CREDIT REPORT.

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 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I am contacting Pentagon Federal Credit Union Credit Card Services in regards to an account that is showing late payments. My account has shown several on-time payments. However, it wasnt until I received misinformation with a customer representative from Pentagon Federal Credit Union Credit Card Services that this person has indicated that Pentagon Federal Credit Union Credit Card Services reports at 60 days late. I learned that this information was incorrect. I was recently out of the country for work purposes. Pentagon Federal Credit Union Credit Card Services admitted that they have the recorded conversation in which they have provided me with the wrong info but indicated that they will not remove the late payments. 

XXXX, XX/XX/2019 XX/XX/2019 - 30 Days Late

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 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
EQUIFAX, XXXX  AND XXXX  HAS INACCURATE INFORMATION ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX, EXPERIAN AND XXXX HAS INACCURATE INFORMATION ON MY CREDIT REPORT.

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