vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My checking account with TD Bank in XXXX XXXX, FL had a fraud withdraw with a branch in XXXX, NY. They issued a {$1300.00} withdraw with a fake " out of state '' drivers license without asking for a second ID. I reported the incident in less than 48 hours when reviewing my account online. We sent a signed fraud application and police report ( claim number ) from the local branch to the TD Bank fraud department and was informed the process would take 10 business days. I called the TD Bank fraud department today, 12 business days later for an update and they could not provide any updated information nor the assigned investigator for this claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2017, XXXX - XX/XX/2017, XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XXXX to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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:
The credit reporting agencies sent a response. The agencies wanted information that the XXXX County Sheriff or XXXX XXXX Police do not remember. I will be sending a copy of my divers license. This was an international incident and XXXX should have all information concerning the problem that was theft but may not have been ID theft even though my card was used in an illegal transaction. However, this information that was placed on my report has cause more harm as long as it is on my report. The reporting companies need to know if the information is true before placing negative marks on my credit report. Because it is in good standing does not make mark or information mine.

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 2019-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: CA

Complaint narrative:
Constant and repeated robocalls at all hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
As of XX/XX/2019, I, XXXX XXXX, received false information from XXXX XXXX   XXXX/Compliance Admin CWF through the CFPB portal response from previous complaint XXXX. She stated that she sent a Validation letter in response admitting that she received it on XX/XX/19. I have yet to receive any documentation from her office. Also, the date noted above show that it is past the 30 day time period which may be another violation. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given her way more than 30 days to remedy the situation, which is a very reasonable period. I have received no reply from her, though I did send confirmation via certified mail # XXXX XXXX XXXX XXXX XXXX that her office did receive my letter on XX/XX/2019 at XXXX XXXX. As of XX/XX/19 the agency, has failed to respond in a timely and a 30-day non-response letter will be sent. 
Secondly, even if she may have sent a request to deletion of the tradelines from all credit reporting agencies pending investigation, by law she would have to respond to the consumer which is me, XXXX XXXX, and have yet to received any of this documentation as well. 

Because I have not received any validation letter as she misstated, the agency may be in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from her agency by filing a claim in small claims court. I intend to follow up if I do not hear back from you within 15 days. 

If possible can she please explain the reason as to why she stated she sent a validation letter when in fact she did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
we got approved for a trial modification in XX/XX/XXXX for XXXX -XXXX- & XXXX XXXX we made all 3 payments by XXXX XXXX   and they kept XXXX payment in the unapplied funds never applied to our last trial payment so there for they said we defaulted! then we were told it will be fixed and we will resume with our modification! they lied XXXX XXXX payment was just applied on XX/XX/XXXX to our old amount! now they want to foreclose on us! they committed fraud and lied to us! help please

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 2019-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I checked my credit and noticed this account listed on my credit report that does not belong to me. I've disputed the account already and ask that they validate the account but that has yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a call from XXXX XXXX Bank ( subsequent firms post Mergers & Acquisition activity ) in response to COMPLAINT ID XXXX Consumer Financial Protection Bureau. 


The Consumer Financial Protection Bureau doesn't understand the problem. 


I am NJ XXXX XXXX. 

Chase Manhattan Bank ( and subsequent firms post Mergers & Acquisition activity ) allowed the dismissal of the debt. 


The US Courts changed the bank. According to the US Courts who sent my foreclosure to XXXX 's Sale, the bank is now a firm owned by The XXXX XXXX XXXX. 

The US Courts decided who my bank was. So, the call by Chase Manhattan Bank ( and subsequent firms post M & A activity ) was pointless. 


The US Courts have ignored the federal banking regulator and are dictating to property owners who the bank will be. 

During the entire foreclosure legal matter, the only ruling that was done was the change of bank. 


The US courts didn't provide a motion to foreclosure or a motion for final judgment until after the Writ of Execution was submitted for the property. 

My bank was Washington Mutual Bank. The FDIC closed the bank. The US Courts ruled Chase Manhattan Bank ( and subsequent banks post Mergers and Acquisitions ) was no longer my bank. A firm owned by The XXXX XXXX XXXX was now my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: CA

Complaint narrative:
I had 14 transactions of {$1000.00} withdrawn from my business checking account the same day that were unauthorized. Bank Of America did not alert me or red flag the transactions. My funds were depleted from my account, my rent payment was declined, and I am possibly going to go out of business. THe bank has refused to re-deposit any funds temporarily and has told me that they are investigating the matter and might take up to 60-90 days. Bank Of America also told me the communications will be through the US mail. No help.

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 monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX/2017
XXXX
Wrong company report debt -never mine
HIPPA Violation
Medical Bill

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 2019-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
Constant robocalls at all hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/19 XXXX aka XXXX XXXX XXXX called a relative and asked for me. This company has never tried contacting me first. My mother stated the name of the person was " XXXX '', she blocked them and advised me of the call. I tried contacting them same day, some answering machine came on. Fast forward to XX/XX/19, I receive a call at my job ( where they don't have permission to call ) from a woman named XXXX XXXX on behalf of XXXX. XXXX stated that she was going to attempt to connect with with their " lawyers '' but the lawyer was " busy '', she then basically stated that they ( XXXX ) are threatening to sue me for a debt I allegedly owe. I asked her what the debt was and why she was contacting me and not XXXX, she then stated that they were hired to process the paperwork. I then stated at that time to send whatever they needed to, to my home address. XXXX then stated she would have we served at my home address and hung up. Today on XX/XX/19 I get another call from them at XXXX am CST. This alleged debt has never been verified from this company stating they're going to sue me. Please advise them to have the ORIGINAL CREDITOR send verification of debt to the address they have on file and to have XXXX stop harassing me on my work phone!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XX/XX/2018 payment was made to chase mortgage at a branch for the month of XXXX then days later exactly XX/XX/18 account was transferred to new bank XXXX XXXX which payment was made to them XXXX XXXX for that month, so on my credit report chase is posting a 30 days late payment for XXXX when they didnt have the account as of XX/XX/2018 and my XXXX payment was made already to new bank i just need that 30 days late payment for XX/XX/2018 removed and i spoke with them two times and disputed with credit bureaus twice as well and none would help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have checked my credit report & notice they have been some accounts & collections on my report that I had no idea of, I do not recall National Credit Systems, XXXX XXXX, Natnl Credit or even XXXX XXXX XXXX, I have contact these companies multiple time s & even sent dispute letters with all 3 credit bureaus, I put a fraud lock on my report & Filed a FTC & Police report as well stating I'm a victim of identity theft & didn't authorize anything to these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I emailed this company directly on XX/XX/2019 and I already told this company they may not call me or attempt to call me at my work number, yet they did just that on XX/XX/2019 at approximately XXXX a.m.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I opened an account with Military Star in XXXX, many years later ( approx. XXXX ) made an insufficient payment via allotment. Military Star has reported a late payment on my account to 2 out of 3 credit bureaus. The infraction occurred as I was tasked to go overseas, I purchased deployment items which raised my required payment a few dollars outside of my set allotment. Once I realized, ( a week or two at most ) I paid the delinquent amount and raised my allotment to cover any future events. I have been in good standing with this company every since the late payment which was over 10 years ago. 

I have written to them several times ( 4 ) and have either been ignored or rejected. Recently, spoke with XXXX and she refused to make any changes to my report and told me to just keep writing. I have an XXXX credit score this is the only thing holding me back. 


Please help, XXXX year veteran

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 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I checked my credit report and it is showing i have also used the name XXXX XXXX XXXX. I have never used that name XXXX is my sister please remove that name

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 2019-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Texas Guaranteed
State: FL

Complaint narrative:
I checked my credit and noticed this account listed on my credit report that does not belong to me. I've disputed the account already and ask that they validate the account but that has yet to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My computer was stolen and it had my tax forms as well as saved passwords for XXXX, XXXX and other shopping sites. 

I requested a freeze from Experian as a precautionary measure. I also closed my bank accounts that were linked to those accounts and my XXXX and XXXX. 

Now I cant reopen a bank account because of the freeze. There is no human to speak to at Experian and the only way to remove the freeze is by mailing hard copy proof of address, utility bills, etc. 

They have no email or fax option. 
There was NO WARNING when I set the freeze that the reversal would be so slow. 
I am a XXXX XXXX  and dont have a utility bill in my name, a drivers lisense with my current residence, etc. 

I feel like MY information is being held XXXX by Experian- while they make money off me. 

There is no excuse for them not to have ways to submit information electronically- my doctor and FSA account - have ways to safely upload and encrypt documents. 

My advice to others will be dont freeze your account, just watch everything carefully! Experian is unaccountable to the consumers. They need to have a more expedient way to reverse these so-called protections. 

At this point I feel like they are financial 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 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I pay all my Bill 's electronically, I set up bill pay for Barclay 's on XX/XX/XXXX payment was cashed on XXXX I have confirmation number. I called Barclay 's after receiving a bill w late payment fee. I explained the above they said they would research. 2 months later another bill with more late fees. Called again paid the remainder of my bill off over the phone. Had a 3 way call w my bank, XXXX stated the payment was sent and cashed by Barclay 's they said ok we have to research. Again 2 months later another bill w late fees. This time I called and faxed confirmation proof, they had to research. 2 months later another bill w late fees. At this point I don't know what to do its {$50.00} but I refuse to repay this money. This is the worst company I have ever dealt with. I have no more proof to give but it's obvious they received the payment.

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 monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Since XX/XX/2009 this has been happening. Identify theft feel like the world is against me ... I just hope people realize someday soon how such an act that isnt violent really doesnt actually feel harmless to the ones going thrue it.

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 2019-04-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I've tried to call back and am put on hold for over 20 min. Tried to call phone listed for XXXX and can't connect me to him.Talking to a regular phone call person. That is no help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Midland Credit Management contacted my husband looking for me even though they have my work number and cell number. XXXX XXXX proceeded to give my husband all of the information on the account such as amount owed, deliquent status, asked husband for payment. Husband is not on account, not joint account and was never authorized for information. Husband told him 3 times he was driving and knew nothing about the situation and he continued. Spoke with XXXX XXXX supposedly a supervisor and informed me they did not break the law. States they are allowed to speak to spouse and give information. Since they have done this my husband is now filing for divorce and I believe I am entitled to civil suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 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: CA

Complaint narrative:
XX/XX/XXXX I paid my debt {$550.00} for my military star card and the company that had my military star card account XXXX XXXX XXXX XXXX XXXX ( XXXX ) agreed to delete this account from credit report, at the same time the they the IRS withheld money from taxes from tax offset and sent an extra payment to XXXX for {$550.00} on XX/XX/XXXX. they where however able to return the extra money that was sent to them. 
I then Disputed this with Experian because it took them over 30 days to delete this account from credit report in which XXXX agreed to do. the first dispute came back as begin remaining on my credit report on XX/XX/XXXX and I then again disputed this account with Experian which did not provided the correct results and ended up damaging credit even more. XXXX report deleted the collections from XX/XX/XXXX to XX/XX/XXXX however they applied a collections to my account for XX/XX/XXXX which is not true because I have paid statements showing that this account was paid and closed in XX/XX/XXXX in which XXXX has now validated the FCRA laws by reporting incorrect information. I then again open another dispute with Experian and is ongoing however I don not believe the results with provide the appropriate out come due to the previous disputes.

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