vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I had a payment due XXXX XXXX minimum amount due if XXXX I set up a payment for XXXX I noticed it never came out of my bank o go On my dashboard and see it was cancelled?? I didnt cancel it I call and they have no clue what happened I now make another payment over the phone with them - this time for the full balance due of XXXX and that one gets cancelled too?? Still no clue on their end?? now I also have a late fee charged which they say I Have to put in a request to waive it? I said to them I am just trying to pay my account info and then I want to close it on my end I do not understand why this can not happen? Why do you keep canceling my payments? I am trying to repair my credit and this will put a mark on my credit report that I do not deserve There is no physical location of them for me to go make my payment I finally got through the supervisor well I have to leave a message she calls me back she tells me to contact my bank My bank verifies there are absolutely no define transactions and there are no attempts for either the transactions to be made no the supervisor at Avante credit card Told me the funds were not released that is not true I verify that my bank that was a lie she didnt maybe theres a block on my debit card there is no block I have used his debit card hundreds of times with no problem paying credit cards She tells me to call back after I talk to my bank I called back they pick up they asked for my name I gave them my name they hang up on me? I am at a loss I do not know what to do they now have my credit in their hands which is not fair because I am trying to pay them I just want to pay them I want the late fee waived I want no marks on my credit report and I want my account closed and I want it to be stated that I closed it at my request not them I am trying to repair my credit and Ive been doing a pretty good job and its completely unfair for them to operate this way I dont know if you can help me with this but I really hope you can help me with this its only a {$300.00} limit credit card this is insane to me I look forward to hearing from you and appreciate any assistance you can give me They also then try to get my bank account information saying maybe that would go through Im not comfortable giving them my bank account information I do not trust them its a lot easier for me to switch a debit card if I have to then open up a whole new bank account ive never had a credit card company asked me to do that either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: NY

Complaint narrative:
On XX/XX/2022 I received XXXX packages in the mail from TD Bank. I opened XXXX packages and inside were XXXX separate checking accounts that were opened in my name at TD Bank. This was fraud because although my name was accurate, the phone number listed on the checks was not. I never opened these accounts. I reported it to " XXXX '' in the fraud department at TD Bank and he told me to contact the FTC and the SSA. I have already frozen my credit reporting agencies. I have never had an account at TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: AZ

Complaint narrative:
The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : charge offXX/XX/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 non-monetary relief
Consumer complaint received 2022-02-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Inquiries XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
After submitting a complaint with cfpb about the automated harassment emails and calls -- from numbers ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX -- I received a response through you all in which US Bank described that activity the following way : -- - " During a deferment, collection practices and monthly mortgage statements are still issued with the intended reason to keep the customer informed. Notices can be computer generated and during the forbearance process, our system of record is not updated until the deferment is completed. If you have any specific notice or statement about which you would like further clarity, you may contact the XXXX department or the XXXX XXXX XXXX for further research. '' " Please accept our apology for any frustration you experienced with the customer service provided. We strive to provide superior service and we regret if you feel that we fell short in this instance. '' -- - Now, my statement on the app has XXXX transactions, reflecting a transfer of {$2000.00} from XXXX XXXX XXXX that is back-dated to XX/XX/XXXX, moving from one principal balance ( with a higher rate, as if they were doing me a favor ), to a principal balance to a lower rate. The transaction does not appear on any statement I have, and it appears they say the transaction happened in XXXX, when I still had electronic statements ( conveniently ). But the account has payments dating from XX/XX/XXXX and XXXX of XXXX, and those principal balances do not even show any interest having accrued on the amount that was " transferred '' in XX/XX/XXXX -- it's clear they robbed me of {$2000.00} and used the apparent lack of statement records available online ( I do keep paper copies ) to hide the evidence, with a backdated transaction that generated no interest at all over XXXX months.

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 2022-02-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, Back in XXXX of XXXX I requested that all XXXX bureaus Validate and Verify a Bankruptcy that was showing on my credit reports, they verified it as accurate and that the information was supplied by the courts. Well I reached out to the courts and the courts denied that fact that they supply anything to any 3rd party such as credit bureaus, so I ask ... ..how did the Bureaus validate this Fraudulent Bankruptcy? I demand that it is removed immediately because it inaccurate and unverifiable and the bureaus lied about them verifying the information with the courts.

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 2022-02-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, Back in XXXX of 2021 I requested that all 3 bureaus Validate and Verify a Bankruptcy that was showing on my credit reports, they verified it as accurate and that the information was supplied by the courts. Well I reached out to the courts and the courts denied that fact that they supply anything to any 3rd party such as credit bureaus, so I ask ... ..how did the Bureaus validate this Fraudulent Bankruptcy? I demand that it is removed immediately because it inaccurate and unverifiable and the bureaus lied about them verifying the information with the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: MD

Complaint narrative:
I have reached out to these XXXX companies numerous times regarding fraudulent information on my credit report and enough is enough. They want you to mail stuff in I have, kept the receipts, everytthing and to of course, no surprise I have yet to receieve a response. My next step is to sue under the violation of the FCRA act as well as for defamation of character, loss and trauma.

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 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter to Transunion for " Verification '' in accordance with 15 U.S. Code 1692g. After the completion of its investigation, Transunion confirmed that the record being reported on my report was " Verified as accurate ''. Please see the attached investigation completion letters. I sent a letter to the Bankruptcy court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX ; disputing this claim/error and received a response from the Deputy Clerk stated that " The court does not report any filings to the credit agencies '' therefore, this record was not properly validated or verified by Transunion.

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 2022-02-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2022-02-17 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: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-17 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: MD

Complaint narrative:
I have reached out to these XXXX companies numerous times regarding fraudulent information on my credit report and enough is enough. They want you to mail stuff in I have, kept the receipts, everytthing and to of course, no surprise I have yet to receieve a response. My next step is to sue under the violation of the FCRA act as well as for defamation of character, loss and trauma.

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 2022-02-17 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: MD

Complaint narrative:
I have reached out to these XXXX companies numerous times regarding fraudulent information on my credit report and enough is enough. They want you to mail stuff in I have, kept the receipts, everytthing and to of course, no surprise I have yet to receieve a response. My next step is to sue under the violation of the FCRA act as well as for defamation of character, loss and trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Ceannate
State: IL

Complaint narrative:
My company informed me via email they are ending their contract with XXXX XXXX. The email said as of XX/XX/XXXX they are ending their relationship/contract they advised us we can reach out to XXXX for our funds after that date. Reached out to XXXX multiple days and was told they was not aware of the ending of the contract for me to reach out to my employer. I reached out several times to HR who told me they will find out more information. I was Laid-off XX/XX/XXXX. XXXX still has not released my funds today is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
I recently refinanced my XXXX XXXXXXXX XXXX XXXX ( loan # XXXX ) with another lender. The closing date was XX/XX/XXXX and the disbursement date was XX/XX/XXXX. Around the time of the refinance transaction, XXXX XXXX transferred servicing rights of this loan to Mr Cooper with the new loan number XXXX. Mr Cooper is now sending me statements for loan # XXXX. The funds ( {$340000.00} ) to close out the loan with XXXX Mortgage were wired to XXXX Mortgage on XX/XX/XXXX and the supporting documentation was previously submitted within a separate complaint ( XXXX ) .Mr Cooper has not allocated these funds to close out loan XXXX. I now am receiving monthly statements from Mr Cooper for a loan that should have been closed out and escrow funds returned to me by Mr Cooper. XXXX XXXX  has supplied the wiring information for the funds paid at closing being transferred to Mr Cooper. I have submitted this information to Mr Cooper and received no response. The wire info from Freedom Mortgage is here : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Re : Your Complaint to the CFPB Complaint XXXX Dear XXXX XXXX, We have reviewed your complaint and researched the issue regarding the payoff wire sent to Freedom Mortgage. After review we have confirmed that we did receive the wire in the amount of {$340000.00} on XX/XX/XXXX. Effective XX/XX/XXXX your loan was service released to Mr. Cooper. Because of this, we wired the funds to Mr. Cooper on XX/XX/XXXX. The wire confirmation for this wire is below for your reference. You can provide this information to your current servicer Mr. Cooper so that they may track the status of the wire for you. XX/XX/XXXX Outgoing Money Transfer Transaction Ref. No. XXXX Fed XXXX Ref. No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX to Mr. Cooper IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX If you have questions XXXX XXXX feel free to contact us at ( XXXX ) XXXX Monday through XXXX XXXX to XXXX and XXXX XXXXXXXX to XXXX XXXX Time. Very truly yours, XXXX XXXX XXXX XXXX Customer Service XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, NJ XXXX I NEED MR COOPER TO CLOSE THIS LOAN AND RETURN MY ESCROW FUNDS BEFORE DAMAGE OCCURS TO MY CREDIT.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2022-02-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
last XXXX around XXXX we where coming out of XXXX which we never needed but somehow where part of it.Thats another long story. Freedom Mortgage mailed us All Documents to be sighed and notarized with all new rates and new restructured payment, Our Notary Person noticed XXXX names attached to the loan. We never heard of the names or ever meet the persons in XXXX XXXX XXXX XXXX and XXXX XXXX. which you will see in attached photos. I still have the raw documents in possession. 
When we contacted the point of contact XXXX from Freedom Mortgage he said thats how its done now and we need to sign or we will default on the loan. We called him out in a scam and we never heard back from him or Freedom Mortgage office. Months later we even gave Freedom Mortgage another chance and to refinance with them since they Have all of our info and it would be much easier and quicker. You would think XXXX. Again that another long story but XXXX make it short. They started the process but drop us without any explanation. I do have an dkept all the email transcripts between the loan 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