vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 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: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am writing to complain that XXXX account or even closed it to avoid the fees. The account had {$12000.00} when I closed it XX/XX/2021. 


This is for a business that I own that is not active. 


The bank failed to send me statements for years. They said they didn't have my newaddress. My address is on the checks I wrote each year for the license renewal. 


THEY HAD MY ADDRESS TO SEND ME A BILL EACH YEAR FOR A SAFE DEPOSIT BOX.. 


The address can certainly be found on XXXX. The bank representative over the phone said they had returned mail on file. That too would have had my newaddress on it. My phone has not changed. 


This account has only been used by me to write 1 or 2 checks a year to renew license etc. 


It has been sitting there for almost 10 years with the bank taking from it. 


What are my options to have these unauthorized fees refunded to me? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX cell XXXX office

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hi, I am filing a complaint against TD Bank. 

XX/XX/2021 my husband purchased running shoes from XXXX XXXX. The phone number is XXXX. I highlighted the charge on the attached XX/XX/2021 statement. The amount is {$140.00}. My husband never received an order confirmation from XXXX XXXX XXXX the shipping information. Therefore, he filed a dispute with TD bank. We received a letter from TD bank stating that fraud did not occur. While waiting to resolve the dispute, the sneakers arrived. My husband returned the sneakers to XXXX XXXX, asking for a refund. XXXX  XXXX returned money to a closed TD bank but TD bank refuses to refund us the money. TD bank can not locate the money. 

We worked with the local TD branch in XXXX XXXX, Florida to find the money. The money is not found after a month. 

Can someone help us locate the money and reimburse us? 

Thanks. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MD

Complaint narrative:
Amount of Loan : {$1200.00} Date of Loan : XX/XX/XXXX to XX/XX/XXXX Interest rate : 690.00 % Complaint : the interest rate is too high. Isn't there a law about how much a consumer can be charged for interest on a loan. 
Payments : {$320.00} bi-weekly On Wednesday XX/XX/XXXX at XXXX XXXX, I talked with XXXX at the following phone # : XXXX. She could not help with securing me with a lower interest rate, even though I told her that the present interest rate is against the law. 

What I would like CFPB to do for me : GET ME A LOWER INTEREST RATE, please. 
Address of Lender : Niizhwaaswi , LLC d/b/a Loan at Last ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WIXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Got a letter in the mail saying they are going to sue me for purchases on there credit card and I know I didnt make those purchases, but someone is using my name and social security number for this card that I didnt sign up for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. I've disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America claimed my account was overdrawn on XX/XX/XXXX and charged me a {$35.00} fee. The closing balance on XX/XX/XXXX was {$9.00}, however.

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 2021-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: CO

Complaint narrative:
Our business has gotten multiple letters and calls from McCarthy, Burgess & Wolff claiming they are attempting to collect a debt owed to XXXX. We contacted XXXX and there is no outstanding amount due to them. This appears to be a scam common with this particular company, as many other people claim they have been contacted about a debt they do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: OH

Complaint narrative:
HireRight had incorrect dates for when I lived at certain address and worked with certain employers. 

I sent over a dispute of the corrected dates and instead of correcting them, they just closed out the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pioneer Law Firm, P.C.
State: AZ

Complaint narrative:
In XXXX we enrolled in a Debt Consolidation Program, trying to pay our debts instead filling a bankruptcy. We signed a contract with Pioneer Law Firm, PC where they promised at least reduce a 35 % off the debts, we enrolled 8 accounts to be paid, after 4 years we finished with our payments and resulted that we just paid 3 out of 8 accounts, and now we are more than " welcome '' to pay the rest of them out of our pocket, and we already paid one of them out of the program ( XX/XX/XXXX - XXXX XXXXXXXX ). We received another collection letter that I sent it to them to start the negotiation ( and pay it out of our pocket XXXX but they said they are unable to help us because we already are out of the program ( since XX/XX/XXXX ) due the inactivity, that occurred because we are not making the payments through them anymore. ( Of course, this has an extra cost for the administration fees ). They included the Litigation Support Services in the contract and 3 of the accounts already filled summons against us. But they denied the service because they closed our program. We have pending 4 more accounts to be paid. We made 48 payments of {$990.00} as we agreed in our contract to negotiate 8 accounts with the total of {$74000.00} So far, we learned that you always could negotiate with a creditor without the " help '' of this companies, but what can we do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I stopped the payment to my credit card due to Covid-19 and now they charge me differed payment interest charge

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 2021-08-26 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: TX

Complaint narrative:
I have sent sent over 5 dispute letters through certified mail dating ( XXXX XXXX  and XXXX XXXXnforming Experian that the personal data they are reporting on my account is inaccurate and each time I demanded per federal law that inaccurate information must be removed.

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 2021-08-26 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: NY

Complaint narrative:
In XXXX I sent a letter to each major credit reporting agency ( XXXX, Experian, XXXX  ). Under FCRA 611 ( a ) ( 7 ) I sent a request to be supplied with all of the information used to investigate my dispute of several inaccurate accounts on my credit reports. I was not supplied with sufficient information and the inaccurate accounts should be immediately DELETED from each of my credit reports.

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 2021-08-26 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: NY

Complaint narrative:
Please be advised the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

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.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA CB Indigo/GF # XXXX {$500.00}, XXXX/XXXX  XXXX  # XXXX {$680.00}, XXXX XXXX XXXX # XXXX {$2600.00}, XXXX # XXXX {$280.00}, XXXX XXXX XXXX # XXXX {$460.00}, XXXX and XXXX XXXX # XXXX {$350.00} Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Sm Bus Admin DA XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
I was doing a refinance of my residence with Sofi home loans. The property is XXXX, Texasd. The day of closing Sofi adviced me that they had to do a re-inspection and handrails needed to me added to my property back staircase. At no point did they contact me to tell me of an issue before the day of closing. I asked my loan officer to give me a copy of my appraisal which i had paid for and had been performed by XXXX XXXX XXXX XXXX based out of XXXX, Texas ph ( XXXX ) XXXX. She said she could not do that because my loan was in re-inspection. Can a lender deny me a copy of an appraisal that i paid for?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: CA

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
I received a report today from two of the credit bureaus ( XXXX, XXXX, ) indicating that a collection agency, by the name of Consumer Adjustment Co., which I never heard of, had reported me to be in a collection delinquent status, for the amount of {$280.00}, supposedly because the aforesaid amount, was past due for 1 month. I find this report to be totally unjustifiable, for I do neither know what kind of company this is ( if in fact, it is legitimate or fraudulent, ) nor do I know, what the amount it claims " I owe to them, '' has to do with, or stems from. 
I have never done any kind of business with this company, and if it is true that I owe it, or any of its commercial associates, the amount it claims I owe ( past due one month, ) I ask you kindly to answer me : I am not entitled to being informed about the debt, before they report me, and maliciously affect my credit? and even if I owed them the amount in question, is it justifiable for this company to report someone as delinquently owing them, only after 30 days go by, without making first, a conscious effort to reach the person adequately, and documenting the financial obligation well, to that person. I find this situation to be extremely unfair, maliciously intended to destroy people 's hard earning credit ratings, in a total violation of consumer rights, and perhaps ( unless the debt is proven, ) even Fraudulent. Please help me out to clear my name, but most importantly, to restore my credit rating, as it went down 61 points immediately, due to this inaccurate report. Thank you very much. 

The information of the aforementioned collection agency, is as follows : CONSUMER ADJUSTMENT CO. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: NY

Complaint narrative:
In XXXX I sent a letter to each major credit reporting agency ( XXXX, XXXX, Transunion ). Under FCRA 611 ( a ) ( 7 ) I sent a request to be supplied with all of the information used to investigate my dispute of several inaccurate accounts on my credit reports. I was not supplied with sufficient information and the inaccurate accounts should be immediately DELETED from each of my credit reports.

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 2021-08-26 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: NY

Complaint narrative:
In XXXX I sent a letter to each major credit reporting agency ( Equifax, XXXX, XXXX  ). Under FCRA 611 ( a ) ( 7 ) I sent a request to be supplied with all of the information used to investigate my dispute of several inaccurate accounts on my credit reports. I was not supplied with sufficient information and the inaccurate accounts should be immediately DELETED from each of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: TX

Complaint narrative:
On XX/XX/XXXX of 2021. I XXXX XXXX and spouse contacted Movement Mortgage stating. That we had submitted a formal letter and form provided by Movement Mortgage to remove PMI from our mortgage account based off of the equity now in our home due to the increasing demands of real estate. A letter was received stating that the company would soon evaluate our request. Several weeks later I received a letter from Movement mortgage asking me to provide proof of improvement made to our home. I then called and emailed Movement stating that improvement to the home was never the reason we asked for the PMI to be removed but the accrued equity in the home. The Movement mortgage representative then stated they would correct their records and an appraisal would be don on the home with fees charged to us. We were told by the movement mortgage representative that they could not accept an appraisal from us directly. My husband and and I agreed to the terms. After several follow up calls to Movement asking about the status we only received that they were working on it no further action was needed from us. After three months of not hearing any word from the mortgage company, we finally sent a demand letter for information after calling XXXX XXXX and XXXX XXXX for guidelines on removing PMI. Movement stated they were sending our case to escalation but after a week we heard nothing. Then on Friday the XXXX of XXXX, we received a call from Movement Mortgage but was unable to hear the person on the other end. We immediately return the call. The customer service representative said someone that was a costumer service supervisor named XXXX had called us and that she was messaging him that we were on the phone. The representative said she was going to cold transfer us. After 10 minutes there was no sound and the phone disconnected. We called once again to Movement and explained the series of events to the new Movement representative we were put on hold. When the representative return she said XXXX informed her that we would not be available for a call on Saturday and that we have been more than patient and that XXXX should have called us back as he knew we had tried countless time to reach him on this high priority issue. We are within our rights to have the PMI remove but Mortgage refuses to follow its owns process to move forward with our request and we seek assistance with this matter. XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Kabbage sent me a debit card I did not apply for. They demand information and a police report before they will do anything, which is super excessive over just receiving a card in the mail. 

I received the card on XX/XX/2021. I called them, and they were not at all helpful. I just want the account closed and I can't do it. This is fraud and abuse.

Company response to consumer: Closed with non-monetary relief