vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 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: AK

Complaint narrative:
I have given my correct address information numerous times in writing, online, and verbally with supporting documentation ( drivers license, utility bills, and bank statements ). Equifax continues to remove correct information from my report and replaces it with incorrect address information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Tried to get annual free credit report from Equifax from XXXX. 

After answering several questions correctly, I am advised I can not access online and I need to request by mail and send several proof documents. 

This is really ridiculous - either I have a right to see my credit report every year or not - this is a scam to make it difficult to obtain what I have a have right to by law. 

Please address this ridiculous process so that we can get what we are legally entitled to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Phone ( XXXX ) XXXX The account listed is a charge off and is past the seven years allowed to be on my credit report. The information is also reported incorrectly. The dates and amount are incorrect. They have refused to remove or correct the information.

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 2019-07-17 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Phone ( XXXX ) XXXX The account listed is a charge off and is past the seven years allowed to be on my credit report. The information is also reported incorrectly. The dates and amount are incorrect. They have refused to remove or correct the information.

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 2019-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts, Inc.
State: AK

Complaint narrative:
Debt collector refuses to provide validation to verify this debt is owed by me. They are negatively reporting to credit bureaus but have failed to prove I am legally obligated and responsible for the debt they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBS Collections, Inc
State: AK

Complaint narrative:
Debt collector refuses to provide validation to verify this debt is owed by me. They are negatively reporting to credit bureaus but have failed to prove I am legally obligated and responsible for the debt they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
XXXX XXXX will not verify the debt. They have been calling 3rd party 's regarding a debt and they as I have asked that they send me something to verify the debt via e-mail or mail and to this day they have not sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
Reporting on my credit when I have no Legal binding accounts with this company nor have I ever. I have no idea who this company is. But I have no contacts with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
A company called unifund bought my very old account. They also hired an attorney to sue me for my very old CC or loan .... I really don't know what this account about. It's so old I tried calling three people that I thought were the original creditors because that's what their attorneys told me and they can't find it cuz the account is so old Plus, can't find any information on it. 
They went to court to freeze my bank account XXXX XXXX & got {$3500.00}. 
I'm in the middle of going to court for the debt. It was from XXXX. Is now XX/XX/XXXX a judgment was put in XXXX. 
They tried to collect in XXXX from my old job. XXXX in XXXX. 
I didn't get any notice, I don't recall owning this account. They went with the legal proceedings in XX/XX/XXXX. 
I wasn't notified until XX/XX/XXXX ... when I was sent a letter ( after the fact ). I believe the statute of limitations is up I do not recall this account. I asked them for a verification letter on XX/XX/XXXX. 
I thought they were supposed to give it to me within 5 days? I still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
In XXXX I paid XXXX XXXX a {$300.00} advance via for lease that would cost about ~ {$620.00} x 12 months. When I arrived they requested another full month deposit which out of duress I gave ( I was tired and had nowhere else to go ). A week later I asked for it back because I knew it was not a part of the original deal and they wouldn't return it. So I filed a dispute on PayPal. Because of that, they assaulted me out of my apartment. They pried the key out of my hand as they restrained me and would not give it back. I called the police and showed them I paid rent but they did not seem to understand me. The police seemed to be asking me to leave. There is more information to provide such as stuff left in the apartment, a written but unenforceable contract, refuting what I was told they told to PayPal as their side, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OR

Complaint narrative:
XXXX pre - expedited screening UE ID : XXXX Service : XXXX - Enroll

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 2019-07-17 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: CA

Complaint narrative:
Theses accounts showing on my credit report is not mines they belong to some one eles i also have inquiries on my credit reports that i never did theres also misspelling on my name showing up on my credit report

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 2019-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have my car loan through Westlake Financial, Any time you are even a minute late on your payment ; even if you call them, explain why youre late, tell them when to expect youll make your account current - even after you ask them to limit the calls .... they call non-stop. Anywhere from 6 to as much as 10 times for the day. Equal calls one behind the other to my home and cell phone. Even to my old job where I have not worked for almost 2 years! Most of the time when I pick up its in the middle of a recording or it rings and hangs up. When I do get a person, its a few moments after asking hello multiple times as if it auto dialed me. This company, has also repossessed my car in the past. I was only 2 weeks late, I spoke with them about it, my monthly payment is {$410.00} but at the time I only owed a remainder of {$120.00}. It cost me {$700.00} plus another fee they put on the back end of my loan, to get my car back. Because we paid quickly, they assured us it would not appear on my credit score and it did. I was tanked by -100 points! Devastating! This company has ruined my life. Subprime loans should be illegal. I have begged to have my monthly amount lowered due to extreme hardship, I have done everything in my power and they have just repossessed my vehicle again. My payoff quote far exceeds what my contract is for ... its an extra {$7000.00} dollars on top of what the car is worth and even then, it wasnt worth what I agreed to. ( {$18000.00} ) The agents are nice until you are behind. Ive had a girl badger me and continue to interrupt me asking why didnt you just pay your car note?! Repeatedly!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2019 I sent a letter to all three credit bureaus requesting proof that the medical debts appearing on my credit report. In the letter I stated " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The response I received from XXXX also know as XXXX XXXX XXXX was a simple letter which states this in response to my request to for verification of the debts owed. This is incorrect and not what I asked for. I have attached a copy of the letters that were sent to the all three credit bureaus as well as the response I received from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 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: AFNI INC.
State: MS

Complaint narrative:
A debt collecting company, AFNI, placed a collection report on my credit report before they even sent me a notice of collection. The account is FALSE and they never gave me the chance to dispute it before placing it on my credit report. They placed the collection account on my credit report on XX/XX/2019, but the date of their first and only letter to me is XX/XX/2019, a full TWO MONTHS EARLIER! 

The account is not only DISPUTED, it is FALSE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: FL

Complaint narrative:
My credit report shows a late payment made for XX/XX/2019 with XXXX XXXX. I made my payment timely in XX/XX/XXXX, and I have attached the mortgage information to confirm that I made the payment timely. I am in the process of refinancing with another company and this inaccurate information has had a negative impact on my score.

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 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Tried to receive a free credit report and was charged twice for services I wasnt even able to receive.

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 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Appeal # # # # to the consumer financial protection bureau from bank of America 's fraud research done by XXXX XXXX letter dated XX/XX/XXXX to the cfpb ( See complaint attachments # XXXX on my complaint to cfpb ) XXXX states after intense research of fraud and suspicious activity on all my accounts Bank of America records show on the XXXX account That there were only XXXX bank of America cards opened and issued on this account of XXXX Card # XXXX in late XXXX XXXX present day And in XXXX. Card # XXXX for temporary card closed after 30 days. 
On XXXX boa bank statement ENTRY OF ATM Card REPLACEMENT FEE {$5.00} on XXXX XXXX XXXX I need the following follow up documents from XXXX fraud research on my account as per boa THE ORIGINAL SIGNATURE CARD OF THE OPENING OF THE XXXX ACCOUNT as promised 3 months ago by XXXX. 
# XXXX WHAT ATM CARD # WAS ISSUED FROM BANK IF AMERICA FLORIDA ON 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 2019-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Credit account opened over 10 years ago fullfilled hardship payoff. Account sold off to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
The company has listed several different collection accounts on my report. I offered to pay different ones and requested after payment they removed it from my report. They said they would only treat it as one balance and will not remove anything until I have paid the balance on every account. I explained to them they have it listed as separate accounts so I would rather treat it as a separate account.

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 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/19, I e-signed an Intent to Proceed notice with TD Bank for a mortgage loan. The closing date for this transaction was scheduled for XX/XX/19. My attempts to communicate with the loan officer and loan processor since signing the Intent to Proceed have been largely unsuccessful resulting in missed deadlines and a failure to meet the original closing date. Between XX/XX/19 and XX/XX/19, I sent 6 emails to my loan officer and/or loan processor and not a single one was replied to. Over the same approximate 1-month period, I left 11 voicemail phone messages ( no phone calls were ever answered immediately ). Only three of my calls were returned. I received a conditional approval on XX/XX/19 from the lender. I submitted the required documentation to the best of my ability with minimal to no guidance provided by the lender. Due to lender 's failure to respond to my attempted outreach, at no time was I aware if the submitted documentation would be acceptable. 

The conditional loan approval correctly stated the closing date XX/XX/19. An initial closing disclosure is required by XX/XX/19 in order to close by XX/XX/19. TD Bank did not meet the XX/XX/19 deadline for the closing disclosure. I was informed via email onXX/XX/19( the first email response I received since XX/XX/19 ) that the lender has not performed an employment verification. I was informed by TD Bank that a written verification request was sent to my employer on XX/XX/19, the day the closing disclosure was due. During one of the few successful phone calls on XX/XX/19, I asked the loan processor if any documentation was needed for employment verification. I was informed TD Bank would independently obtain the verification. As of XX/XX/19, to my knowledge the only item which is required to complete underwriting is the written employment verification. However, I can not confirm this is the only requirement for underwriting due to the lack of communication. As of the filing of this complaint, I have not received the completed appraisal, the initial closing disclosure, or even a proposed revised closing date. 

TD Bank has failed to display any good-faith efforts indicating that they attempted to close this loan on-time. Outreaches to the TD Bank loan officer and processor have been almost nonexistent. Outreach to TD Banks customer service line has been successful, however, the amount of assistance they can provide me in limited to what is recorded in the system by the loan officer or processor. As a result of the failure to meet the disclosure deadlines and closing date, I now face potential consequences of monetary damages and a cancellation of sale through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am enrolled in overdraft services. I realize that I agreed to pay the fees involved. However, it seems to me that the fees I have paid over last 6+ months are not justified and in my opinion disgusting because they are taking advantage of my weakness and making my problem worse. The total overdraft fees since XXXX 2019 is {$4300.00}. In past years it was similar experience and I would complain sometimes and get a refund - usually a small fraction of what I paid in fees. Lately, I contacted my local manager XXXX  by phone than via email on XX/XX/2019 - XXXX XXXX XXXX store manager at the XXXX, NJ TD Bank - and have been all but ignored and I really can not afford their fees. I tried emailing again on XX/XX/XXXX and XXXX without response. 

Often, the fees are what cause my account to be overdrawn and then more fees are taken whenever something goes thru. For example, right now my account balance is - {$1100.00} and the fees I have paid in the 2 weeks between XX/XX/XXXX and XX/XX/XXXX totalled {$630.00}. 

Also, if I go to ATM, often the bank will not authorize one large withdrawl. I will be forced to do 2 transactions which cause more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loancare took over my mortgage I had with XXXX back in XXXX of this year. I have made three payments to them, but only one shows a credit to my account. They claim that I did not pay the last two months payments. I checked with my bank ( XXXX XXXX XXXX XXXX ) and they verified all three of my payments to them were processed and received by Loancare. I called, emailed and messaged them, but they did nothing. Presently, they will not respond at all. My payments are in the amount of {$1200.00}. I have attached the most recent notice from Loancare that I received in my mail. Also attached is a report of the history of my payments to this mortgage account. From their actions with me and what I found in internet searches, they are trying to take my home ... ... Please help! 

Thanks 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