vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
My payment is due on the XXXX of each month. On Saturday, XX/XX/XXXX, I logged in to my account with TDBank ( onlineaccessplus.com/tdbank/ ) and noticed they hit me with a late fee on XX/XX/XXXX. 

I tried calling, but naturally, they were closed because it was the weekend. I tried calling Monday, XX/XX/XXXX. After being on hold for 47 minutes, my call was disconnected. When I called again later that day when I got off work, they were closed. Tuesday, XX/XX/XXXX, I sent a message through their online center asking why I was assessed a late fee before the payment due date and they indicated they charge fees the day before it is due and then go back and correct if the payment is made? I have an attachment of a screen shot of this. 

This is not the first issue I have had with them where they had to correct fees. I feel strongly that this would fall under the " Unfair Deceptive Abusive Acts & Practices '' procedures. So, I made my payment as I normally due, but this late fee issue is something that is a concern and moving forward, now that I am setting up auto pay to come out on the XXXX, I don't want to have to worry about a fee EVERY SINGLE MONTH and then worry about having to check to see if it was corrected. 

I have had 4 payments due of {$58.00} since starting this credit balance with TDBank. I was told that payments of {$50.00} would start being due in XXXX. My initial purchase was XX/XX/XXXX. When I tried getting my payment due in XXXX, I was unable to locate anything showing due, so I paid {$50.00} to avoid being " late ''. Since inception, I have paid {$310.00}, all the while, my payments due were only XXXX. This means that my " balance '' should be XXXX. This is a 0 % interest account. As of right now, my balance reflects {$2500.00}. 

I spoke to a rep on XX/XX/28, who saw the issue and said they were clearing the 2 late fees assessed from XXXX. However, they waived both late fees and turned around on the SAME DAY and assessed another, when no payment was due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/2022 : A Venmo user attempted to use a phone number that previously belonged to me to use Venmo services. I had not yet changed my phone number associated with my Venmo account, and therefore the number should not have been valid on another device. This user was able to not only change my password, but also my financial information without my knowledge or consent. Venmo customer support does not operate after XXXX XXXX time, so I am not able to get a quick response for this theft and potential distribution of sensitive financial information, my debit card number, expiration date, and payment processor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I called XXXX XXXX today XX/XX/XXXX at XXXX at XXXX pm for XXXX minutes. I spoke with a representative and told him that XXXX XXXX is still reporting incorrectly on all 3 of my credit bureaus. He explained they are reporting real time, I explained to him that they are reporting as charge off when this was settled and paid XX/XX/XXXX. The representative told me to dispute it with all 3 credit bureaus to get resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: AZ

Complaint narrative:
I applied for mortgage refinancing through XXXX XXXX XXXX XXXX and my application was transferred to XXXX and I was approved and my rate was locked on XX/XX/2021. After going through the underwriting process I was told that everything looks good and they ordered the appraisal on my behave and it came back and was accepted on XX/XX/2021. Everything looked good till then, when I got an mail from the loan officer that there is a lien on the property for the city of XXXX that needs to be paid off as part of the financing process. And that was never brought to my attention by them before ordering the appraisal and my understating is that lien is due upon selling the house not refinancing. And as I explained to her that I don't want to pay that off now and sounds like it cant be processed on the terms and amounts we agreed on, then I am asking them to reimburse me for the appraisal fees amount since it was never explained to me before ordering the appraisal otherwise I wound not proceed. And this is not the right way to do business and you should be responsible for your mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Calling Credit Coll at XXXX got XXXX XXXX He requested the address, I asked if they could confirm the DOB instead but they dont have my DOB on file so they asked for me to confirm my phone number instead. Once that was done I asked if I could settle this today for deletion as I never got a written notice to dispute. 
Getting transferred to his supervisor XXXX at XXXX, I let him know no notification in writing had been delivered to me. I also know they dont even have my DOB on my file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
According to our original mortgage documents, our mortgage was vested at 80 % as of XX/XX/XXXX and 78 % as of XX/XX/XXXX. According to the law and our mortgage documentation, our PMI should have been automatically removed as of XX/XX/XXXX. 

At this point, our lender, Shellpoint mortgage will not remove PMI. We have contacted them repeatedly over the last XXXX years asking for them to remove PMI and they always have an excuse why it is not possible. 
They now claim that we were late for a payment in XXXX which makes our loan ineligible, but the PMI should have been removed before XXXX to begin with. ( BTW, that late payment was when they erroneously put us into forbearance instead of the deferment we requested due to XXXX. Now they are using their mistake against us. ) We would appreciate any help that could be given with this matter Many Thanks XXXX 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 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Ive attempted, on multiple occasions ( most recently today XX/XX/22 ), to use Apple Pay to make large purchases online at merchants which accept Apple Pay on their websites. I regularly receive payment not completed errors when attempting to process large transactions online using Apple Pay. When reaching out to Apple/Goldman Sachs they typically recommend using a different payment method ( the actual card info ), however, if that method is used, the purchase no longer qualifies for the 2 % cash back and is only eligible for 1 %. I believe this is likely a systemic issue many Apple Card users are experiencing which prevents them from using the best form of payment on their largest transactions. This is an unfair business practice potentially affecting a significant number of consumers. Please do not hesitate to contact me if you have any comments or questions regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: AL

Complaint narrative:
I have been trying to get my credit report cleared of inaccurate information since it was brought to my knowledge that someone was utilizing my identity without my knowledge. I filed a police report in 2019 upon being notified of many items ( accounts, inquiries, public records, personal information ) on my reports that are NOT mine. I have written several letters to bureaus with police report and explanation of identity theft and they are not being cooperative and have NOT provided any documentation of proof to validate refusal to remove disputed information/accounts. I am trying to achieve government funding for a environmental improvement contract and this false information is ruining my credit reputation immensely.

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 2022-01-19 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: AL

Complaint narrative:
I have been trying to get my credit report cleared of inaccurate information since it was brought to my knowledge that someone was utilizing my identity without my knowledge. I filed a police report in 2019 upon being notified of many items ( accounts, inquiries, public records, personal information ) on my reports that are NOT mine. I have written several letters to bureaus with police report and explanation of identity theft and they are not being cooperative and have NOT provided any documentation of proof to validate refusal to remove disputed information/accounts. I am trying to achieve government funding for a environmental improvement contract and this false information is ruining my credit reputation immensely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX at XXXX XXXX  I get a call from a XXXX XXXX  out of XXXX XXXX Florida saying Ive been approved for a loan of XXXX dollars they asked for my last four digits of my ss number after I tell them this they tell me to get the loan I needed to make a payment of XXXX a one time payment to insure the loan amount I told them I wouldnt pay it that this is a scam they laugh very loud and hung up on me their phone number is XXXX XXXX XXXX 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 2022-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MA

Complaint narrative:
I am in the XXXX XXXX XXXX XXXX program and have been re-certifying my employment every six months as recommended by a financial advisor. Everything in my account is up-to-date and current. I submitted paperwork certifying my employer this summer and received notification that I had XXXX qualifying payments remaining as of FedLoans letter dated XX/XX/21 ( attached ). I re-submitted by certification this XXXX and FedLoans no tells me I have XXXX qualifying payments remaining!! How can I have more qualifying payments remaining now then when I applied to re-certify back in XXXX?? No one at FedLoans has been able to resolve the issue and I have contacted the company regarding the issue. I have all letters documenting the number of payments FedLoan says I owe for each time I have re-certified my qualifying employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
I began making payments in XXXX of XXXX. I have consistently made payments without fail. I have continuously worked for a state during this time. I consistently filed XXXX verification forms for calculation purposes along the way, especially when I changed jobs in XXXX and XXXX. Consistently, it has shown that my final payment will be made XX/XX/XXXX. ( I wasn't going to debate a single month 's error. ) When I hit the seven year mark, where my bank would no longer have the records of my first year of payment, Fed Loan Servicing sent me a XXXX calculation showing that the final payment would be made in XX/XX/XXXX. Suddenly, the company is claiming that I was given a year 's grant and didn't make my first payment until XX/XX/XXXX. Neither of these facts are true. 

My job was eliminated in XX/XX/XXXX, and I specifically took a job in Colorado to keep myself in the XXXX program. During this move, my computer with my copies of the XXXX calculations showing my payments was damaged and the files can not be recovered. 

I have asked Fed Loan Servicing to provide me with all copies of the XXXX forms that it has provided me over the past nine years. It has refused to do so. It is ignoring my concerns and requests. I know student loan companies are unethical and predatory, but this is patent theft and abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 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: MS

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Sapphire XXXX customer service said this account was already flagged and they sent me to the " security department '' for fraud. department. Which was closed after XXXX XXXX XXXX.. .at which customer service then got back on the line and told me to call XXXX tomorrow during normal business hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 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: OH

Complaint narrative:
I would NOT have too be so stressed out and KEEP going through this if CFPB would DEMAND thise lying XXXX to remove these discharged accounts AT ONCE. But I see that's not happening. I am truly NOT understanding why I have to go through this. I have been through ENOUGH! I completely LOST EVERYTHING and i STILL have to fight to bring my credit report ACCURATE! That is my right as a consumer. To have my credit reporting 100 % accurate ..... 

I want everyone to witness the torture i am being put through. Trans Union is the absolute WORST. Only a few short days after i submitted the last complaint exposing the company ( Trans Union ) of fraudulently and illegally altering details on my credit report and actively reporting on an account discharged in an bankruptcy. The original loan company went out of business AFTER I filed my bankruptcy and which was several years ago. Trans Union never thought anyone would figure out the fraud reporting ring they have going on ...... But I did and will let the courts properly handle all the criminals. 

Days after my last CFPB report this is what I encountered from Trans Union. 
Trans Union retaliated on me as if this is a personal issue. Please see ALL attached evidence.

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 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MO

Complaint narrative:
The story started back in XX/XX/XXXX. Someone had set up a merchant credit card account and had my name and Social Security number ( I suspect ). They used my company address, phone number, and my company email address. They used an email address that is not mine : XXXX. They used a phone number ( XXXX ) that, when XXXX, is to a XXXX XXXX service. I am an XXXX. I do not run an escort service. And heartland bank called me and said this is whats going on and I said that it was not me. I filled out a form for dispute resolution department at heartland Bank. I marked " I am requesting that my response be attempted for this dispute I understand that the issuing bank does not accept my response that I will be charged the XXXX pre-arbitration fees imposed up to $ XXXX '' See pdf file attached. And that was the last I heard from them. They accepted that and said to file a police report. We tried to file a police report. But the XXXX XXXX XXXX police department would not accept a complaint because there was no harm done to me, there is nobody to chase, and it was not in XXXX XXXX XXXX. Now XX/XX/XXXX Im being contacted by a collection agency for {$6200.00}. I was told by Life Lock to file a fraud alert with my with XXXX credit monitoring companies. I have done that. 
The heartland reference number is XXXX. The XXXX number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received an email form hunting bank, the email stated that I was prequalified so I applied but was denied, I would nor have applied if the email had not said that I was prequalified so this hit my XXXX XXXX. I feel the use of 'prequalified ' was misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: MS

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG 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 non-monetary relief
Consumer complaint received 2022-01-19 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: OH

Complaint narrative:
Reviewed my credit report and noticed my student loans are not reporting correctly for 2021 and my loans are deferred now, but it is showing my loan payments are late and it is affecting my credit score and holding up the process of me purchasing a home. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these late payments must be investigated or deleted from my credit record within 30 days and updated. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
Accounts : DEPT OF ED / XXXX XXXXUS DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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