vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 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: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
In XX/XX/2018 TD Bank issued a fraudulent credit card in my name, to an unknown third party in association with XXXX XXXX, account number XXXX XXXX XXXX XXXX. The unknown person then used that card to purchase three cell phones for {$2500.00}. TD bank closed the account and removed the charges. 
When I filed their requested affidavit, I requested : " In accordance with the Fair Credit Reporting Act, please supply me with all the information that the fraudulent person used to apply for this credit account in my name and any other business records relating to transactions and accounts that resulted from the theft of my identity so that I take whatever additional steps are necessary to prevent additional fraudulent activity in my name. The following sources and quoted material makes clear my right to this information. 
https : //www.consumerfinance.gov/learnmore/ Summary of your rights when you believe you are the victim of identity theft links to https : XXXX XXXX. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It may also specify an address for you to send your request. Under certain circumstances a business can refuse to provide you with these documents. See www.consumerfinance.gov/learnmore.

" TD Bank does not comply with their promised 1-day inquiry and 30-day fraud response times and should be held to account for that false advertising. 

TD Bank failed to use due diligence in the issuance of a credit card to an unknown third person, and is thus complicit in the theft of my identity. 

With the failure of TD Bank to respond to my inquiries, one is left to wonder if they are hiding activities such as XXXX XXXX was a few years ago. 

This is just a short summary. Full details are in the attached documents, which includes a 6-page cover letter with proper formatting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 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: NY

Complaint narrative:
THE ACCOUNT DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE, PLEASE RE-INVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE.

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 2019-04-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Somehow someone or some entity is reporting me at bogus addresses. I have fixed the issue, so far, with XXXX and hopefully XXXX XXXX, but Equifax is a big problem. I thought I wiped the bad addresses off my report ( I have lived at my current address XXXX XXXX XXXX XXXX IL  XXXX for 10 years ), yet when I obtained my most recent report. they showed back up. I called to have them wiped, but I need to know who is doing this. As you can see from the report itself it shows me being at my address since XX/XX/XXXX, which is the date I called to get the addresses wiped again. If you look at the report date on the XXXX  address it was XX/XX/2019. I lived at that address 40 years ago! The XXXX XXXX XXXX one was 20 years ago and I never lived in XXXX. Now if you look on page 42 of my pdf copy of the report at the " soft inquiries '' it shows 2 consumer interviews, one on the 4th and another on the 7th. I think it's a monumental screw-up by their customer service. Instead of correcting my addresses they made it worse. I have lived in IL the last 15 years with all documents and records to prove it. Just ask the IRS, or Social Security Administration. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 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: GA

Complaint narrative:
This account was disputed with the company the company deleted the account in which I have the deletion that was sent to me on XX/XX/19 the report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I recently applied for a XXXX XXXX Credit card at the Navy Federal Credit Union after being approved with debit card. I received the debit card XX/XX/XXXX. I also received a reply stating that my credit card application number XXXX, dated XXXX was denied for the following reason, " YOU CAUSE NAVY FEDERAL A LOSS ". I served and XXXX in the XXXX for 20 years. I believe this is due to the bankruptcy I filled when I was still active in the service in the year of XXXX or XXXX ( that was more than 30 years ago ). I thought in accordance with the law, that bankruptcy stays in the record for a maximum of 10 years and can not be a basis anymore for disapproval. My credit has been successfully established since then. 
The denial came from the Navy Federal Credit Union, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. Can you please shed some light on this matter and probably try to help me in obtaining a credit card, which is safer to use nowadays ' cause scammers are getting more aggressive and seems to be out of control. My E-mail : XXXX. 
Respecfully, XXXX XXXX, 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 2019-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC
State: FL

Complaint narrative:
The Telephone Consumer Protection Act of 1991 ( TCPA ) was passed by the United States Congress in 1991 and signed into law by President George H. W. Bush as Public Law 102-243. ... The TCPA limits the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: CA

Complaint narrative:
the letter attached specifically states that my XXXX XXXX XXXX accounts number XXXX, has not late payment, XXXX XXXX XXXX has changed this inaccuracy by sending me this letter, but for some reason the credit bureaus have not update and they are not updating this inaccuracy, this is the only negative shows on my credit file, and it is absolutely inaccurate, i will be attaching the letter which i have received from XXXX XXXX XXXX. please help me to have this inaccuracy removed from my all three credit reporting agency thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: FL

Complaint narrative:
The following accounts are fraudulent XXXX XXXX {$130.00} XXXX XXXX {$1400.00} XXXX  {$200.00} XXXX {$200.00} XXXX XXXX {$550.00}

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 2019-04-30 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: FL

Complaint narrative:
The following accounts are fraudulent XXXX XXXX {$130.00} XXXX XXXX {$1400.00} XXXX   {$200.00} XXXX {$200.00} XXXX XXXX {$550.00}

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 2019-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/2019, I received an email from Robinhood.com saying that my account has been closed. I reached out to understand why. Today on XX/XX/XXXX, I received a response saying that an ACAT transfer was initiated and my account was closed accordingly. I immediately responded asking them to stop the transfer. I sent many more requests to stop the transfer. I am attaching a rough timeline of actions to this complaint. 

My account currently has ~ $ XXXX in securities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
the letter attached specifically states that my XXXX XXXX XXXX accounts number XXXX, has not late payment, XXXX XXXX XXXX has changed this inaccuracy by sending me this letter, but for some reason the credit bureaus have not update and they are not updating this inaccuracy, this is the only negative shows on my credit file, and it is absolutely inaccurate, i will be attaching the letter which i have received from XXXX XXXX XXXX. please help me to have this inaccuracy removed from my all three credit reporting agency thank you

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 2019-04-30 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: TX

Complaint narrative:
I am a victim of identity theft and identity fraud. After viewing my credit report, I noticed accounts and credit inquiries that I did not apply for or authorize. I immediately contacted the companies in question and notified them of the incorrect reporting and advised them that it is obvious that I have been victimized and that someone has used my personal information to fraudulently open several accounts. Currently those accounts are a XXXX credit card opened XX/XX/XXXX and a XXXX XXXX credit card opened XX/XX/XXXX. There are also several inquiries on my credit report that I did not authorize. In addition to the ones for the XXXX   and XXXX credit cards, there are the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-04-30 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: GA

Complaint narrative:
Equifax did give the proper document for the account that I dispute and just said that it was mine without verify any information on the account that I am disputing they have past thirty day and that is volition of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.

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 2019-04-30 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s )  to do so, that you annul and and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is not reporting correctly on my credit report. 

XXXX, 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 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I am disputing Nationstar 's refusal to failure to credit my full payment to my mortgage loan account of {XXXX} XXXX as of the date of receipt of XX/XX/XXXX and refusal to apply an accepted payment of {$170000.00} required by my mortgage or apply the payment in the specified order of interest, principal, escrow, or other charges under the terms of the mortgage loan and applicable law, as seen in the attached account history dated XX/XX/XXXX, first noticed to Nationstar XX/XX/XXXX and then XX/XX/XXXX. 

Nationstar only reflects in lines 78, 95 and 96 it received {$160000.00} from me that reflects inaccurate claims by Nationstar to the CRA 's that I am paying under a partial payment agreement, made a partial payment or that I am currently 180+ days past due at XXXX as of XX/XX/XXXX. 

Nationstar has obtained a court order under the same note and mortgage for attorney 's fees, while refusing to comply with the same contracts material terms and is seeking to damage me for {$25000.00} not allowed under the contract while remaining in breach of the note and mortgage. 

As well, the above stated refusals to comply with the note in section 3a and the mortgage, Nationstar is utilizing the misleading inaccurate account information in my mortgage loan 's account history to report that as of XX/XX/XXXX, I became 180+ days past due after becoming current on my loan, paying my XX/XX/XXXX payment as current, and paying off the loan 's balance in full XX/XX/XXXX. 

XX/XX/XXXX, I emailed and faxed Nationstar 's Counsel a last dispute claiming these exact matters and am hoping this will resolve all currently ongoing breach of contract claims that are causing inaccurate credit reporting by Nationstar to the CRA 's repeatedly as I have documented from XX/XX/XXXX to current date. 

Nationstar 's Counsel failed to deliver any response to me regarding my credit reporting complaint on or after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Spring of 2018 I was denied for an apartment complex and I was advised by them that they used a sort of Rental Equifax bureau. I check my credit regularly and never saw any of the information that they had. I tried contacting Equinox and spoke with two departments that which refused to provide me information on how to obtain/request my renter 's report. The rental equifax is a consumer reporting agency WITHIN Equifax that is reporting information on me that they refuse to allow me to see. According to the apartment complex, there was some sort of eviction on my record and I'm for certain that it is the result of fraud/identity theft, but because Equinox isn't cooperating, I can not get to the bottom of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: FL

Complaint narrative:
My correct DOB is not reporting on my credit report. 

XX/XX/XXXX Multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a XXXX Amex card since XX/XX/XXXX. The XX/XX/XXXX is my anniversary date. I should get a free night award every year after the card account anniversary date. The benefit terms saying " The free night award will be automatically deposited into your XXXX XXXX member account within 8-12 weeks after your card account anniversary date in the form of an e-certificate. '' Today is XX/XX/XXXX. My anniversary date is XX/XX/XXXX. It has been more than 13 weeks. I still don't receive it. Amex violates their terms. I talked to their customer service. Their representative told me they had created a case for me, which I really appreciate it. And the representative told me i need to wait another 6-8 weeks to get the results. Can you believe it? I need to get an annual free night award after almost half a year since the anniversary date. XX/XX/XXXX is my birthday. You can check through your record. Originally, I want to use this free night with my lover and spend a wonderful day together to celebrate my birthday. But now it's totally ruined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Got approved for loan modification with prior servicer, XXXX XXXX XXXX in XX/XX/XXXX, made my 3 trial payments on time, then told I got paperwork in too late and would need to submit loan mod request again which I did in XX/XX/XXXX. Approved again in XX/XX/XXXX after I made my regular payments again for several months and was waiting for mod package in mail when this servicer, XXXX sold my loan to Shellpoint. I contacted Shellpont in XX/XX/XXXX and was told by my point of contact, XXXX XXXX that yes, Shellpoint would honor my prior loan mod. A week later, XXXX XXXX took over from XXXX and said no, we will not accept the prior loan mod, you need to submit new one. On XX/XX/XXXX from my bankruptcy attorney 's office, we faxed and emailed a Shellpoint form of loan modification request. I've called and called and no one has gotten back to me. Then a couple weeks ago I received a notice of change of servicer from Shellpoint to XXXX XXXX! It's been over 30 days with no response to my mod request. Also, when I called last week to inquire about it, I was told the loan will be sold on XX/XX/XXXX, so there is nothing we can do! I can not afford the payments of {$870.00} a month. The modified amount I was paying last year to XXXX was only {$520.00} a month. The servicer has been changed 3 times since XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
Didn't verify my debt in timely fashion.According to the FCRA you still have to verify the account if I ask. And what gives you the right to charge interest?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: GA

Complaint narrative:
XXXX  did give the proper document for the account that I dispute and just said that it was mine without verify any information on the account that I am disputing they have past thirty day and that is volition of the law.

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