vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XXXX I called TD Bank regarding my XXXX XXXX XXXX of credit, which is {$2200.00}. I also sent them a message within my account stating I tried to use some fo the available balance but that it was reflecting as XXXX. The account itself still says the available and unused balance. The next day I got notifications from all three major credit bureaus that the bill was reported closed. TD Bank never communicated any formal information as to why. I called in again and was told that that was not the case and that the balance and account were open. However, I messaged them again on XX/XX/XXXX, asking why my account balance was XXXX, yet it showed active. I was told to call in again. I disputed the closed account as it was in good standing and had no issues. Nothing was changed, and the performance remained listed as open to me but closed to the bureaus. I called TD Bank again today, XX/XX/XXXX, and was told it was due to inactivity as to why it had been completed. I asked why no communication was given to me ever as the consumer on the application and account, ; instead, they informed the credit bureaus. I was told three times, " I'm so sorry. Is there anything else I can do for you? ". They proceeded to tell me that I would have to apply again and not use the same email address because XXXX would reject my application from an account they reported charged off. The bill was never charged off or owed a balance. I do not understand how this was done legally and then punished for trying to use the account and having it closed right after I tried to use some of the available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
XX/XX/2023 bill for {$12.00} which was XXXX  out XXXX XXXX. 
Bill XX/XX/2023 saying we can be forgetful send {$12.00} to bring account up to date. 
This is all due to a cancellation of my order as they couldn't send persihables to a po box . I never got any product from them and have been calling, writing to them. I XX/XX/2023 the girl said the account was taken care of and now I have two bills from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I received a notice of servicing transfer dated XX/XX/23 from XXXX XXXX XXXX XXXX LoanCare , LLC that stated my mortgage would be transferred to another servicer effective XX/XX/23. The notice stated that I could contact my current servicer with questions at the following phone number : XXXX. I had a question regarding how my next payment would be handled since my payments are automatically withdrawn by the servicer, so I called the number. I waited on the phone/on hold for more than an hour and no one answered. Having to wait more than an hour to talk to someone about my mortgage is unacceptable and unfair to this servicers customers.

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 2023-04-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have account charge off that I payed for that need to be update I have account with late payments that dont suppose to be there I have hard inquiries thats not mines I have made police report and sent it to them and somebody still been tring get stuff in my name I have call them and sent paperwork nothing have been done

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 2023-04-20 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: DE

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-20 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I worked with TD Bank for months to resolve a disputed transaction dating back to XX/XX/XXXX. It required countless calls, faxes, and follow-ups to them to get the situation resolved. On XX/XX/XXXX, they issued a provisional credit to my account in the amount of {$58.00} labeled XXXX XXXX. This is shown in the attached statement for period ending XX/XX/XXXX. On XX/XX/XXXX, TD Bank mailed a letter ( attached ) indicating the review of the dispute had been finalized, and the provisional credit previously issued was to be final. On the statement for period ending XX/XX/XXXX ( attached ), there was a charge on XX/XX/XXXX for {$58.00} labeled XXXX XXXX. On XX/XX/XXXX, I called their customer service department to inquire about the charge. The representative confirmed that the dispute had been resolved in my favor and there was no reason for a reversal to be processed. She indicated that I would be re-credited the {$58.00}, and it should hit my account within five days. As of XX/XX/XXXX, the credit has not been issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I have been paying my car note on time with a 25.99 % apr for over 2 years.never had a late payment.my balance is not budging even tho i pay {$550.00} a month.they told me they can not lower the payments or refinance.so i fell or hardship and asked for a payment plan until im able to catch up and oay it in full.i was informed that i wouldnt have a delinquent account if i paid the {$100.00} per month.i 've paid it each month but they still are reporting my account as delinquent and pass due.i asked them to fix it being that i was misinformed and they declined.my credit has dropped XXXX points because of this and i was in the process or purchasing a home

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 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Received a fraud block on my card cleared block using my mobile app. Account got restricted again I had to call Bank of America agent who answered was rude and condescending. Agent sent me verification link which I passed agent sent me a OTP which then began to argue with me how the code I was sent was not the code he sent me. Not sure how the agent id going to tell me what code I got as a text message informed agent this was the code I got agent continued to argue and become condescending going back and forth with me told me dont get an attitude. I didnt have an attitude I was frustrated at this point but was not being rude or having attitude agent continued to go back and forth and make comments on the phone agent would laugh on the phone and smirk asked for supervisor agent said he wound up clearing account agent finally got supervisor on the phone supervisor was 10x worse then the agent. Supervisor said youre XXXX because you cant verify your identity? Excuse me? Not sure who he thought he was talking to but I let him know sure wasnt me. Supervisor began to get an attitude as well supervisor then placed a hard restriction on my account out of spite and vindictiveness to prevent me from using my card because he didnt like my attitude and what I had to say which caused me to not be able to pay bills with my account. Called again got another supervisor who was floored and appalled at what I had to experience she saw what the supervisor did and agreed he was out of line. Asked Bank of America to have someone call me from corporate they never did they ignored me they had people call me from customer service who was useless and not who I needed to talk to. Bank of America refused to accept responsibility for what they did, instead covered up what happened and brushed it off. No research was completed or investigations done on the issue. No compensation provided which should be.

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 2023-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have receive Wells Fargo Bank reply to XXXX XXXX # XXXX, and I am not satisfied with the reply that they have given me at this time. I believe that Wells Fargo bank has not been honest in their reply to the CFPB. They have indicated on the second page of their reply that my income is at the retirement stage, and that is not " TRUE ''. I have a job that I work along with my social security that bring my income up to more then {$65000.00} per year. Well Fargo Bank along with XXXX XXXX XXXX XXXX have done a job on me, since the begin of purchasing my home. Neither Wells Fargo Banks nor XXXX XXXX XXXX XXXX have been honest with me. When I first contacted the reality company, and ask them to setup the financing of my home. I immediately informed them that I wanted a Thirty year fix rate. My credit rating at the time of this Home purchase was more them XXXX XXXX, and I insistent that my contract reflex my wishes, but I find out later that the misdeed had occurred, and Well Fargo Bank indicated that nothing could be done, about this dishonest act. They indicate that I had sign the contract in XXXX of XXXX, and changing my thirty year Fixed rate into a adjustable rate loan after ten years was ahet I would have to live with, so, these are the crooks Wells Fargo Bank, and XXXX XXXX XXXX set this plan in motion, so, that on several occasions XXXX XXXX XXXX has contacted me , about refinancing my home in the last eight years. This was all a scheme set up by both Wells Fargo Bank and XXXX XXXX XXXX XXXX XXXX Now after more ten seventeen years. I am face with two dishonest institutions that should continue to be investigated by the XXXX XXXX XXXX. I will " NEVER '' be satisfied with Wells Fargo Bank, and Wells Fargo Home Loan, because of the way these lending institutions function. Nothing has really change with Wells Fargo Bank. I tried to get a refinance last year when the interest rate were at XXXX percentage, and I was denied. I was making more the what Wells Fargo Bank has indicated in their written letter. All of these liars that Well Fargo continue to get away with knowing that I have been paying both the home loan, and the XXXX with XXXX loan ahead of time each month. I would like for the CFPB to include my trouble with this lender in the mediation. 
Thanks You

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 2023-04-20 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 — Investigation took more than 30 days
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
It's been over 30 days and the creditor has not updated the information. Nor, has provided proof for documentation in regards to a late payment. 

I do not recognize how the account is reporting on my credit report. 
I don't recognize the account number, account status, or the account 's high balance. 
Nor, do I recognize the late payments associated with the following : XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX Amount {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TX

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX # XXXX ..., # XXXX ...., XXXX  XXXX # XXXX ..., XXXX XXXX XXXX XXXX XXXX... ), has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I received a response from XXXX XXXX XXXX XXXX 's credit dispute process refusing to correct the payment history reported to the Credit Bureaus showing that this account 's XXXX payment was made 30 days late. 

This account has been opened for more than 3 years with no late payment history since the inception of the loan. In XXXX ( approximate ), XXXX XXXX XXXX XXXX ( XXXX ) was acquired by another bank. Prior to this acquisition, the monthly payment was made by us to XXXX via wire transfer from our bank directly to the HELOC account. Post acquisition, a change in process occurred whereby XXXX would accept payment ONLY by a direct debit ( by XXXX ) from the checking account which was required by BOTW to have in order to have obtained the HELOC. 

At issue is that this direct debit from XXXX occurs at midnight on the XXXX of the month and only on XXXX of the month at midnight. It does not appear that XXXX verifies the funds are available in the required checking account within the stated grace period and before reporting a late payment to the credit bureaus. 

Between XX/XX/XXXX and XX/XX/XXXX the full payment amount was wired into the XXXX checking account and available to the bank to withdraw for payment. Unbeknownst to me- nor should the burden be entirely mine to ensure XXXX pulls money available to them to cure the owed payment before reporting a damaging 30 day late payment to the credit bureaus. 

I provided to XXXX credit dispute department confirmation that the wire was sent and received by XXXX within the first five business days of the due month.

I believe the bank failed to act responsibly by : 1 ) verifying if the payment was available in the designated account before the end of the grace period ; 2 ) verifying the payment was available in the designated account before the end of the month or time period before reporting a missed payment to the credit bureaus. XXXX 's practice of limiting the timeframe by which they verify payment is made to midnight of the first business day of the month and does not appear to verify within a reasonable amount of time the payment is available creates a harming situation for a customer who is making their payment ; making their payment in the manner designated by the bank ; and made within the stipulated grace period and within the time frame allowable before a negative payment is reported to the bureaus. 

The XXXX actions are now creating secondary harm through increased interest rates and higher costs for purchases relying on our credit bureau score. 

I am requesting that XXXX correct the late payment report to the credit bureaus. I also encourage, as a matter of public policy, to review this practice by XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Company sent an email stating account was delinquent. No loan was given, merchant reports Affirm declined purchase. 

I contacted Affirm, told that it was being taken care of. Complaint submitted as requested through Affirm website. Supporting evidence attached as requested. 

Debt dispute sent to Affirm via certified mail. No response. Account reporting on credit report as past due.

Company response to consumer: Closed with explanation