vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing today in regards to my account with TD Bank NA  account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to XXXX. As soon as I was able to I reached out to TD Bank to let them know that I was unable to make that payment because I was sick with XXXX and I got the account caught up. Due to this being XXXX   related the rep notified me that they will look into having the late mark in XX/XX/2020 updated to paid as agreed or not reported and have not heard back from her. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Since XXXX of 2019 I have been disputing XXXX XXXX XXXX on my credit report. I have disputed this account with all three credit bureaus whom all responded to dispute as updated. However, after reading the FCRA I cant be dinged twice on an collections account. Just in XX/XX/2020 XXXX XXXXeported that I was 120 days late with this account. The account was charged-off and is closed. I'm not sure a derogatory account is showing payment history/ Charged-off/ late payments. When I don't have a payment plan set-up with this company. This collections account reported late payments for all three bureaus in XXXX which impacted my score and report tremendously. I have disputed this with all three bureaus as stated for about 2 years and they keep saying verified. How can this be verified when the account is charged off/ closed?

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 2021-02-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Since XXXX of 2019 I have been disputing XXXX XXXX XXXX on my credit report. I have disputed this account with all three credit bureaus whom all responded to dispute as updated. However, after reading the FCRA I cant be dinged twice on an collections account. Just in XXXX 2020 Equifax reported that I was 120 days late with this account. The account was charged-off and is closed. I'm not sure a derogatory account is showing payment history/ Charged-off/ late payments. When I don't have a payment plan set-up with this company. This collections account reported late payments for all three bureaus in XXXX which impacted my score and report tremendously. I have disputed this with all three bureaus as stated for about 2 years and they keep saying verified. How can this be verified when the account is charged off/ closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Since XXXX of 2019 I have been disputing XXXX XXXX XXXX on my credit report. I have disputed this account with all three credit bureaus whom all responded to dispute as updated. However, after reading the FCRA I cant be dinged twice on an collections account. Just in XXXX 2020 XXXX reported that I was 120 days late with this account. The account was charged-off and is closed. I'm not sure a derogatory account is showing payment history/ Charged-off/ late payments. When I don't have a payment plan set-up with this company. This collections account reported late payments for all three bureaus in XXXX which impacted my score and report tremendously. I have disputed this with all three bureaus as stated for about 2 years and they keep saying verified. How can this be verified when the account is charged off/ closed?

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 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
a. Portfolio Recovery Assoc - I do not have any agreement with them. I never signed anything with them. They claim they purchased my debt, but I asked them to validate the debt TWICE by mail, and they never responded. 

b. Portfolio Recovery Assoc never showed me any signed documents by me and I asked for verification of debt and they did not respond. 

c. Portfolio Recovery Assoc FALSELY is listing on my XXXX report that I am LATE ON PAYMENTS - this is false and fraudulent. I do not have any payment agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Someone keeps calling my office and trying to collect a debt that I know nothing about. They call all the time. Their number is Navient XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Received letter on account from a bank I do not do business with stating thank you for your new checking account. Account was opened XX/XX/XXXX online in my name. I Closed account with bank. Filing report with fraud department, SS and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was in XXXX XXXX with friends on a trip in XXXX when my wallet and phone were stolen at a restaurant. After failing to find the stolen phone and wallet, I contacted SUNTRUST and reported my card stolen. At that time they went over several transactions that included ATM withdrawals. During this recorded line, I let them know what was my last transaction and all the fraud one. They made two cases - one for the ATM charges and the other for actual credit charges. At the same time I had to contact XXXX and try to get a new phone. I received a letter stating that both fraud charges were denied and contacted SUNTRUST to find out why. They refused to give us information and stated that we could only do an appeal. They sent us the form needed and I filled it out. In the appeal, I showed proof of requesting new phones, money transfers that my wife sent to my friends since I had no way of getting cash since my bank account was emptied. After 45 days - where we called several times and were told that no information could be given - we received a second denial. There was no explanation, no documentation of the investigation to back up the decision. We recorded this phone call because of all the false information the bank kept giving us. We were finally sent to a supervisor who stated that there was nothing else we can do. After an appeal is denied there is no futher procedure to fight for injustice. There is no proof of the investigation and the supervisor could not give us a reason for the denial. We recorded the supervisor informing us the the decision is given to a specialist and once they decide SUNTRUST will not do anything else. My identity was stolen, my bank account was emptied ( over {$1000.00} ) - my bank history shows I have never taken out more than XXXX cash ever at one time - EVER since I opened the account but they refused to find 5 transactions of XXXX at an atm unsuspicious! At a time where we need funds and shouldn't be playing around with a family 's finances, SUNTRUST literally told me they would do nothing. I'm considering getting an attorney because this is UNFAIR and ILLEGAL!

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 2021-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I was made aware limitations or put on my PayPal account due to my inability to verify my ID. I have been dealing with the company and send a copy of my XXXX state ID which was not acceptable therefore I obtained a birth certificate and a XXXX ID card. At the time of submitting the XXXX XXXX I was told it would be 72 hours to make account to be unlocked. Call the company after 72 hours and was then advise my account was going to be locked until XX/XX/XXXX due to the high amount of activity in the account. I was giving no further recourse to be able to access my funds and told there was nothing I could do so I came here late to try and further my actions in receiving my benefits. My sons come from the department XXXX XXXX XXXX for my compensation payment and it is XXXX a month and the amount sent out was for child support and other family needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Initially I had agreed to a loan amount for XXXX. This included the initial escrow of 8 mo for XXXX and the 3 mo cushion for XXXX, A pre paid of XXXX in prepaid property taxes. My loan officer said I would not have to pay a mortgage in 2 months and that I would get the 6K back from the old lender. I did not want to include in the loan but he said I had to. 

I called XXXX XXXX to find out where my escrow was and they said they had paid the escrow and was still waiting on the final check from Freedom. XXXX XXXX is a wonderful company I wish I could go back to. All my fellow veterans steer clear of Freedom Mortgage. Freedom would not return their calls or mine. This was during XXXX. XXXX XXXX was about to wire them their check back. We both were not getting our calls returned. They finally paid them to satisfy the loan. 

I found out from my previous mortgage company that they had already paid the taxes in the amount of XXXX. My loan amount should of been l XXXX. So after spending the month of XXXX trying to find out where the XXXX was with numerous phone calls I still do not have a resolution. They have now revised the closing disclosure saying that XXXX is being put in an escrow analysis and they will let me know next week what they decide. I didn't even see the first closing disclosure until the day of closing. 

What needs to be done. 

You have collected the escrow of 8 months and the cushion. The closing disclosure should be revised to reflect the correct loan amount. It should be XXXX. The money should not be put in escrow. I am writing this letter to complain because I know this company has taken advantage of me.

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 2021-02-03 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: MS

Complaint narrative:
i check my credit report and notice incomplete and inaccurate information from the 3 CRA XXXX TRANSUNION, XXXX AND XXXX XXXX, so i sent letters to XXXX  on XX/XX/2021, Transunion on XX/XX/2021, and XXXX  onXX/XX/2021 disputing the inaccurate and incomplete information that is on my credit report.as of XX/XX/2021, i have not received anything from the CRA 's concerning this information. I also attached copies below of the letters submitted.

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 2021-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
I have a account with Ally XXXX XXXX, I tried to move funds from my account to the bank and the fund transfer does not go through and displays following message. 
Unable to process this request. Call us at XXXX. 
I called the number and have been on that line trying to speak to a representative and no one answered even after 2 hours. 
The account also is blocked to sell any stocks i own or to buy, Thus making me loose a lot of money. 

There are these issues for the last 4 days and have made me loose a lot of money.

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 2021-02-03 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: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
XXXX has been reporting incorrect payment history to all three credit bureaus. My loan and been in deferment and forbearance all of 2020 until now, but the mortgage company is reporting me being 60+ days late to all three bureaus. I have called them in and I have sent them a letter in XX/XX/2020 asking them to correct my payment history. I can not be late if there haven't been any payments due. 

They are violating the rules of the FCRA, the CARES ACT, and the Fair billing act by reporting incorrect payment history to XXXX XXXX  and XXXX Each bureau is reporting different payment information because XXXX  refuses to fix their reporting. 

I have included my letter to them requesting that they correct the payment history, the forbearance letter from them, and a copy of my credit report showing the incorrect payment history.

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 2021-02-03 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: I.C. System, Inc.
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-02-03 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: STEWARD FINANCIAL SERVICES LLC
State: VA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, STEWARD FINANCIAL SERVIC add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-03 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020: ( 1 ) BOA notified ( through my cell phone ) suspicious two transactions on my BOA Visa Credit Card ( Account ending in XXXX ) at XXXX  store in XXXX XXXX, CA : {$200.00} ( reference # XXXX XXXX and {$200.00} ( reference # XXXX XXXX. 
( 2 ) BOA also notified ( through my XXXX  cell phone ) suspicious two transactions to her BOA Visa Credit Card at XX/XX/XXXXstore in XXXX XXXX, CA : {$200.00} and {$200.00}. 
( 3 ) I immediately reported that both my credit card and my XXXX credit card were stolen from our automobile while we were hiking. 
( 4 ) We did not report to police since the car were not damage and nothing were missing inside the car except an {$100.00} bill and credit cards. 

XX/XX/2020: ( 1 ) BOA credited the two fraud transactions ( {$200.00} and {$200.00} XXXX to my BOA account. 
( 2 ) BOA also credited the fraud transaction to my wifes BOA account. 

01/14/2021 : ( 1 ) BOA informed me that they were unable to approve your recent fraud claim. ( see attached ). 
( 2 ) BOA did approve my wifes fraud claim. 

XX/XX/2021 : I called BOA credit card office ( after waiting for almost an hour and were transferred to several agents ) to inquire about the case. They were not able to help in resolving the case and insisted that the chip was read, your PIN was entered, and/or your signed for the merchandise or service, which indicates your or someone you allowed to use your card was present. 

XX/XX/2021 : I filed a complained regarding to the case to the Office of the Comptroller of the Currency ( OCC ), Case # XXXX Bank of America , National Association. 

XX/XX/2021 : XX/XX/XXXX of the OCC wrote me that the issue no longer falls under the direct jurisdiction of our office. The case is referred to the Consumer Financial Protection Bureau XXXX CFPB 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 2021-02-03 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: TCF NATIONAL BANK
State: MI

Complaint narrative:
On XX/XX/2021, I went shopping and my debit card got declined. Checked my account and realized from XX/XX/XXXX XXXX XXXX over {$4000.00}  was stolen from my account. I notified TCF bank that day. They assured me they would go through my bank statements and dispute all fraudulent charges. On XX/XX/2021 I received a letter in the mail from TCF Bank dated from XX/XX/XXXX, stating they would refund {$150.00} of the XXXX}. The other charges were considered normal account behavior and were denied. All of these charges are from the same place. They are all fraudulent and can not only refund some but not all. On XX/XX/2021 I tried calling TCF dispute services. Their automated services hung up on me and transferred me to many different departments and branches, none of which were dispute services. Everyone I talked to told me they cant help with my situation. I then called TCF Bank in my hometown to hopefully find a correct number. The manager of the bank couldnt find the correct number in their OWN system. All of these charges are from XXXX XXXX and XXXX trip. Where I live doesnt even have XXXX at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
My mortgage acct was transferred from XXXXXXXX XXXX  in XX/XX/XXXX my payments was {$1600.00}  my payments has double with 4 mths, I questioned why? I was informed by representatives that select portfolio that XXXX XXXX pay my sewer bill in XXXX, I contact XXXX XXXX  and they denied paying any of my sewer bills. I continuously converse with portfolio select and story change that they pay my sewer bill XXXX plus tax XX/XX/XXXX? I questioned and denied the payments. I contact my sewer department in XXXX XXXX n.j to request evidence of my sewer payments and who payed them, I received evidence that I the homeowner payed all my sewer bills dated XX/XX/XXXX to XX/XX/XXXX I payed all my payments in person or thru bill pay from my bank acct. I scan all my documents to to select portfolio, and received confirmation all documents was received to my acct XX/XX/XXXX. I was informed that maybe due to my age I forgot? No I am retired law enforcement who believes in documentation and paper trails. Then one representative told me maybe my municipality kept the check portfolio mailed in for my sewer bill in XXXX? Please help me! Portfolio is not listening to me the consumer and plus I am senior citizen. No one should be treated this way!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I RECEIVED A DEBIT CARD IN THE MAIL FROM CHASE AND I DO NOT BANK WITH CHASE THEY SAID THEY WERE GOING TO CLOSE IT BECAUSE THEY THOUGHT IT WAS FRAUD AND I DID GIVE THEM THE DEBIT CARD NUMBER BUT THEY SAID TO MAKE SURE I FILL OUT THE FRAUD INFORMATION

Company response to consumer: Closed with explanation