vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I applied for a mortgage loan with TD bank on XX/XX/XXXX ; since then, as a law abiding and disciplined individual, I have been submitting ALL the documents my loan officers, XXXX XXXX and XXXX XXXX, requested ASAP. In XXXX, I have sent them numerous emails with questions about an updated Closing Disclosure to reflect a reduced price for the house - NO RESPONSE ( they claim their service as " legendary '' ... ) Our lawyers and real estate agents have been discussing a prospective closing date for weeks, and the ladies have always been a part of these emails ( no response from them ). XXXX did let me know that the locked rate is expiring on XX/XX/XXXX, but did nothing to expedite a new Closing Disclosure document to reflect new numbers. 
I had to contact their supervisors, XXXX XXXX and XXXX XXXX, to ask for help and assistance. XXXX responded - she was excessively apologizing for her employee, XXXX XXXX, who neglected her duties. She assured me the rate would not change till XX/XX/XXXX. It took XXXX a couple of hours to update the Closing Disclosure ( CD ), and I signed a new one. We all finally agreed on XX/XX/XXXX ( today ) as the closing date. 
I was on my way to XXXX ( 2.5 hour drive from XXXX!!! ) when my lawyer called me to inform that TD bank people are not ready for the closing ... They did not finalize the paperwork or something like that. That is UNPROFESSIONAL, obnoxious, and so rude!!! They did not even call me to let me know of the " changes '' - and they have always been part of ALL my e-mails to the real estate agent/s and/or the lawyer/s. 
Everyone ( real estate agents, lawyers, myself ) got appalled by their " legendary '' service. If they plan to procrastinate in order to change the rate ( which is TD bank 's common practice ), it is not my fault and not my financial responsibility to pay for extension since XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX procrastinated with my mortgage. 
I ask for your help and assistance with my case. 
P. S. Eight years ago, I had an extremely painful experience with TD bank when I applied for a mortgage loan for my apartment in XXXX. At some point, I reached high rank TD officers in XXXX XXXX, NJ who helped me with the closing and financial issues created by unprofessional mortgage officers. I am so grateful for their assistance. I promised myself not to deal with TD bank in the future. Never say never ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09 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:
I have disputed errors on my credit report with XXXX XXXX, Equifax and XXXX  several times. 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: IL

Complaint narrative:
I have disputed errors on my credit report with XXXX XXXX, XXXX and Experian several times. 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.

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 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Northern Trust Company, The
State: CA

Complaint narrative:
Checking account called " Demand Notes '' by " XXXX XXXX '' XXXX XXXX XXXX. XXXX MI XXXX and their " paying agent '' Northern Trust XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX. 


XXXX XXXX notified me in XX/XX/XXXX that two of my checking accounts would be closed by XXXX, and any remaining balance would be sent by check after that date. I received a check for one account, in the correct amount. The second check I never received. I called by phone, spoke to an Ally representative in XX/XX/XXXX, and was told that Northern Trust Co responsible for distributing the checks had sent many checks that were " lost '' in the mail. From what I could gather, hundreds if not thousands, of postal checks went missing under NTC 's care. 

I thought it would be a simple matter for them to reissue me a check, and put a stop on the " lost '' one, but they refused and told me I had to complete an affidavit, get it notarized and mail it, and then they can issue a replacement check. It would cost me about 1 hour of work, and {$20.00} to pay a notary public, plus postage, just to get this payment that is due. What is bad about this is NTC and XXXX is doing this to possible thousands of people. 

It seems to me really poor behavior, if not outright illegal and non-compliant to regulation, for XXXX and NTC to behave this way against so many customers, many of who will sustain a loss. 

Please investigate how many people had to pay to get their money back from XXXX and NTC. 

I can provide further info.

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 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
My mother was contacted, my work was contacted and i was contacted from a company that claimed to be a place that served papers! They said they were serving me at work and my home or i could settle this debt today outside of court! They put me on hold several times to supposedly look up the information for the case! The number they gave was connected to a law office in ny and i live in florida! Then they told me about a old debt not even on my credit report anymore! I chose to settle so i could stay out of court but they did not send any paperwork or reciept as they claimed they would! I reported to my credit card company so i can dispute the charge! XXXX XXXXXXXX XXXX XXXXXXXX is the company but it shows up as only XXXX on the charge! I feel i was scammed and my family and myself were harrassed illegally! 
XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
I have taken the company to court and won. I took the documentations to the debt collector and they will not remove the debt from my report. Saying I still owe money and my court documents that are stamped dont mean anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: AL

Complaint narrative:
In XX/XX/XXXX I received communication regarding a settlement with the Creditor ( XXXX ) that stated between XX/XX/XXXX and XX/XX/XXXX the company violated consumer protection laws by making auto loans accessible to borrowers who were likely to default on those loans and due to this settlement XXXX is required to forgive the remaining balance on my loan and also required for the loan to be removed from my credit reports. I have sent in multiple communications with little to no response from the company. They previously advised this should be removed but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XX/XX/XXXX, charges were made to my account number in the amount of {$580.00} which I told Wells Fargo were fraudulent. They asserted otherwise. On XX/XX/XXXX after I asserted otherwise they credited {$580.00} back to my new account as they found that the charges were made without my permission. Since that time I have not received any further statement from them they I owe this amount. In XX/XX/XXXX, a trip we had paid for was canceled and the trip provider, XXXX refunded {$3600.00} to the card I charged it on which was my old account number. Wells Fargo only remitted {$3000.00} back to me. The total refund was {$3600.00}. Apparently they applied {$580.00} to the fraudulent charges which they had previously refunded to me. I asked them to give me the entire refund which they refused to do. If they feel I still owe them the {$580.00} which were fraudulent why have they not billed me for that amount and why did they refund them? I feel they owe me {$580.00}. I would like my money back. They were very uncooperative.

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 2021-06-09 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: TX

Complaint narrative:
not mine : fcra violations XXXX XXXX XXXX XXXX XXXX, TX XXXX-XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX-XXXX Resident type Single family remove it and see attachments : XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4600.00} Status Collection account. {$4600.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my COMENITY BANK/VICTORIA SECRET credit card ending in XXXX. This is an open ended credit card. Pursuant to 15 USC 1692j, XXXX XXXX XXXX, and COMENITY BANK/VICTORIA SECRET are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life. 

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TN

Complaint narrative:
a few months back as I tried to refinance my house I noticed that all 3 bureaus have wrong date of birth and name and address and also were reporting bankruptcy and car loan and a credit card account that I did not recognized. I disputed with all 3 bureaus and provided them with all my state and federally issued ID and utility and property tax and social security and date of birth to help them correct my personal information and remove the bankruptcy and the 2 accounts with XXXX XXXX XXXX XXXX, but after so many registered mail they still continue their report with wrong report and have not correct anything, they have not responded to my last 3 registered mail and I am not being able to refinance my house and financially this is damaging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TX

Complaint narrative:
I sent an initial letter early this year and sent a follow up email last month but received no response from the 3 Bureaus. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts 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. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
There is this account that does not belong to me and ai want it to be remove from my credit report. 

1. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
Checked my credit report and seen that there was a collections account just opened. Never once received a phone call or letter letting me know. My {$330.00} balance was paid in full to 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 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Monday, XX/XX/XXXX, I deposited a bank issued check from XXXX XXXX XXXX XXXX in the amount of {$250000.00} from the redemption of a CD at XXXX XXXX XXXX XXXX into my checking account at Bank of America. The held all of my funds except {$5500.00} until XX/XX/XXXX at XXXX, which is a Saturday and left the funds stranded at Bank of America until Monday, XX/XX/2021 thereby depriving me of earning interest on my funds being held of {$240000.00}. The flimsy excuse they gave me was that I " deposited checks totaling more than {$5500.00} in one day. '' Now come on!!! The bank issuing the check, XXXX XXXX XXXX XXXX is located not even one mile from the Bank of America location where I made the deposit. I know that Bank of America received the funds from XXXX XXXX XXXX XXXX, probably the very next day of my making the deposit. I feel that it is patently unfair for a bank to be able to tie up my funds for a week. I would like to know the date that the check from XXXX XXXX XXXX XXXX cleared their account and Bank of America received the funds from that deposit. This is unfair to consumers like me who are at the mercy of these huge banks who want to call all the shots. I figure I lost about {$20.00} in interest while Bank of America needlessly held my funds. I know that is a small amount of money but the point is, banking hold policy is unfair to consumers and should be better regulated. A bank check is a bank check.

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 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
( AR RESOURCES INC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ) has been sending me collection notices in the amount of ( {$550.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: NV

Complaint narrative:
There are a couple of creditors listed on my credit report that do not belong to me. Please remove them immediately.

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 2021-06-09 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: NV

Complaint narrative:
There are a couple of creditors listed on my credit report that do not belong to me. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: TX

Complaint narrative:
I received a {$700.00} payday loan to pay my rent several months ago. After paying on time for several months I noticed that instead of the balance decreasing it was increasing. I feel like Ive been violated by this company. This is definitely preditary loan behavior that should not be allowed.

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 2021-06-09 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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:
I have disputed errors on my credit report with XXXX XXXX, Equifax and XXXX several times. 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: NC

Complaint narrative:
A month ago I disputed inaccurate information being reported by XXXX XXXX XXXX. I send proof that different this was getting reported. The credit bureaus didn't even look into it. they just said account was verified. My account was never charged off and the payment history is incorrect. You can see alot of inaccurate information from the proof I sent in

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