vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: RC Willey
State: UT

Complaint narrative:
My income has been slashed by over a third, since losing my career at my previous employer due to COVID XXXX, and I have been working with every institution I owe money to, in order to stay current and prevent further arrears. With every other debtor I owe, I have been able to get the company to stop charging interest and lower my monthly payment, and am slowly catching up. 

Except for XXXX XXXX. They refuse to stop charging me interest, so the debt just keeps getting larger. They won't reduce the payment amount, so I can never afford to pay it. And now, they sent me a letter, dated XX/XX/2021, received XX/XX/2021, that they will be pursuing litigation. 

It was my understanding that until the XXXX situation was resolved, companies were prohibited from using such tactics. XXXX XXXX is acting like a loan shark. Please let me know how I can best resolve this situation with the resources I have. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
I purchased my home in XXXX XXXX 10 years ago ) and have taken advantage of Refinance offers to lower the interest rates at least four times. The last time was XX/XX/XXXX to 2.75 % with XXXX Mortgage XXXX XXXX XX/XX/XXXXXXXX. The interests dropped again 6 months later and XXXX sent me solicitations to refinance. I bit the hook and began a VA IRRL Streamline REFINANCE. It was soon after I began the documentation that a MrXXXX XXXX XXXX decided that as a " woman '' I couldn't be a veteran and became difficult. We finally were SET to go to closing after THEIR Chosen Title company completed the so-called title search in XXXX. When I complained of the pushback, he pushed me off to one of their other companies FREEDOM Mortgage. So the process was STARTED over again in XXXX. The interest rates advertised were 1.75 %, 1.99 % and 2.25 %. As soon as they " spoke '' with me over the phone, they could only offer ME 2.25 %. However I kept getting their mailers that the rate was 1.75 %. I wanted the lowest rate available naturally. AGAIN I was denied. In the meantime, we move forward with FREEDOM to go to closing. Freedom decided that I ( A woman VETERAN ) could NO LONGER be eligible for a VA Refinance and decided to put my spouse XXXX XXXX XXXX XXXX on the note. This was an error and we could could not close in XXXX on the set date because of the erroneous paperwork. They promised to correct it and set a new closing date. They have called me THREE more additional times to CONFIRM a SET closing date of XXXX XXXX at XXXX at my residence. NO ONE SHOWED up. NO ONE called and As of XXXX XXXX, I do have have a REFINANCE loan which started with the Parent company in XXXX with XXXXXX/XX/XXXX. I believe I am being discriminated against as a FEMALE ( gender discrimination ) and racially ( as a XXXX female ) and as a Veteran. -- - This company has sold my information to others and I have been getting solicitons from other Mortgage lenders who " without my approval '' pulled a Hard inquiry on my credit report. This company XXXX XXXX also stated that on XXXX XX/XX/XXXX that my FICO score was XXXX which was NOT true for XX/XX/XXXXor XX/XX/XXXX My SCORE was XXXX and ABOVE for all three activities. Of course FREEDOM and XX/XX/XXXX claimed that they could NOT give me 1.75 % ( lowest rate ) due to my credit score which was an Excellent score. My score now is above XXXX ... There is NO excuse for this poor service and I believe this is HORRIBLE treatment. It is costing me more money and I need to be compensated.

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit has had a freeze on it for 3 years ATLEAST.. I cant get any credit.. cant open a bank account.. contacted equifax several times and sent them all the info they need and its still frozen.. very frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
This compliant is still on going. I resubmitted my modification application on XX/XX/XXXX and we are still stuck on the same issues. I did provide proof of income with my application to support the last three months of unemployment. TD Bank is requiring that I provide a " Current Benefits Statement '' from my State unemployment office. I have called the State numerous times since last year, and no one that I speak to knows what a " Current Benefits Statement '' is or how to produce one. I did submit three months of my benefits from the unemployment website. I can submit a XXXX for XXXX and have offered that as an option to support my income. If TD Bank believes that a " Current Benefits Statement '' exists, then I am guessing they have seen many this year and I've been talking to the wrong people. They should provide me with a blank copy that I can share with the State so I can move this along please. Also every government form has a form id or number which also should be made available to me by TD Bank. 

On XX/XX/XXXX, I emailed XXXX XXXX who introduced herself as someone that was going to help me with this issue. It has been over a week and she has not responded to my email or called me. I am requesting that I be provided with a contact that is a loan officer who can speak directly to the loan application process. This is how banks like TD Bank used to operate. I also want to know if either of my mortgage or HELOC are located in TD Recovery, and if so, why? I have never missed a payment. Lastly, I need a weblink that show the current mortgage and HELOC rates for both of my loan types please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: IL

Complaint narrative:
Attached please find the FTC report requiring TransUnion to remove the tradeline XXXX XXXX # XXXX. I have also sent this to TransUnion via certified mail. To this point, they have ignored the FTC 's order. They should either be required to obey the law or be fined and sanctioned.

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 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
On or about XXXX XX/XX/XXXX I logged into my Navy Federal XXXX XXXX Checking account and I noticed 12 fraudulent charges totaling {$450.00} dating back to XXXX XX/XX/XXXX. I submitted a fraud claim and it was handled by NFCU within days. I failed to notice that there was a time gap that fraudulent activity temporarily paused between the dates of XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX, resulting in me believing that I had accounted for of the fraud. The fraud had been continuing for some time. Prior to XXXX XX/XX/XXXX there was significant fraud that occurred. A total of 40 fraudulent charges totaling {$2400.00}. 

On or about XXXX XX/XX/XXXX I submitted a second fraud claim to cover the remainder of the money stolen from me ( {$1900.00} XXXX. A couple weeks later I was informed by a man named XXXX in NFCU fraud department that my claim was denied. After covering the fraudulent activity with him in detail, pointing out the purchases for a spoof card to duplicate my debit card. As well as the purchase locations were in California, where as I reside in Oklahoma. He said I could resubmit a claim for appeal. The next day I went to the NFCU branch in XXXX XXXX, OK and filed an appeal to the denial. NFCU continues to deny any responsibility for the money stolen and will not refund my money. Today, XX/XX/XXXX, I learned that my appeal was denied and I was told I could submit another appeal. 

The majority of the money stolen was through a company called XXXX XXXX XXXX '. It operates as a ride share service on the west coast. There were a total of 18 transactions spanning a time period from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX totaling an amount of {$1800.00}. Some transactions were for large amounts and were repeated on the same day. I would think that repeated transactions that happened over 1600 miles away from where I live would trigger some sort of automated response. 

The charges are clearly fraudulent. They do not match my spending habits nor do they happen in my geographical area. There is even a purchase for a spoof card to duplicate my debit card. NFCU claims that they need " more evidence. '' I don't understand what evidence is needed when they see the transactions for activity to purchase a spoof debit card and then have multiple transactions from a state I do not reside in. It does not make me feel safe to have money and assets in a bank that is so easily broken into and stolen from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TX

Complaint narrative:
On all 3 credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX XXXX XXXX notified all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender l.

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 2021-02-11 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:
I Recently received a copy of my credit Report After Reviewing it I found that there is an Inaccurate Account that i Did not Authorize. This Account is Fraud and i want this fraud Account Removed from my Credit 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 explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
There is an old XXXX XXXX account being reported on my credit report. They Claim I made a payment on XX/XX/XXXX of XXXX, I have no recollection of this debt or making any payments on that specified date. I called to get as much information as I can about this debt and I found out this debt has reached its statute of limitations. However, the credit bureaus have done a really poor job investigating this account and getting back to me. The company reporting this debt is Portfolio Recovery, they're reporting this debt to XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
THIS IS NOT A DUPLICATE!!! 

XXXX XXXXXXXX claim this item Accurate & Consistent but its 2 different incorrect spelling of my name in the original contract which are highlighted in the attachments. which is a MAJOR Violations UNDER THE FCRA & FDCPA

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 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Date : XXXX Someone, by the name of XXXX XXXX, hacked into my Regions on line bank account and using XXXX did 9 transferred out of my checking account totaling {$5000.00}. 

I discovered these transfers and immediately contacted Regions bank fraud department. 
Over the course of the last 3 weeks Regions told me my money would be refunded within 7-10 days. When that did not happen they told me the had to go to XXXX & it would be another 7-10 days.

On 2-9 I spoke with a Regions representative XXXX XXXX XXXX XXXX XXXX who told me that Regions believes I stole my own money because the IP address was the same as mine. I have checked w/ multiple folks that understand computers. They told me that IP addresses can be spoofed. 

I have never used XXXX in my life. I don't know who XXXX XXXX is and no one will help me at Regions. 

I am XXXX years old and that {$5000.00} is important 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 explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have an Apple Card by Goldman Sachs ( Credit Card ) with a USURY APR of 21.99 %. I was in a chat session, first with a customer service representative and then with that persons ' manager, who both refused to even take my request to lower that APR into consideration, by referencing what they referred to as the SCRA, which according to them both, only allows for SELECTED members of the military, the sole and exclusive opportunity, to have their APR 's lowered. 

This is of course discriminatory and illegal and against the FAIR LENDING ACT, hence my submittal of this complaint to the CFPB. 

Please find attached, screen shots of the chat interaction I have referenced above, that further details my afore-here summation of my complaint. 

Please let me know what further you need from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TX

Complaint narrative:
Credit information The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX {$2200.00} Account number XXXX ENHANCED XXXX CO XXXX Original creditor : DISH {$810.00} Account number XXXX RADIUS GLOBAL SOLUTION Account Number : XXXX QUALITY ASSET RECOVERY Account number : XXXX XXXX XXXX XXXX Account Number : XXXX GLOBAL LENDING SERVICES Account Number XXXX XXXX XXXX XXXX Account Number XXXX QUALITY ASSET RECOVERY Account Number XXXX RADIUS GLOBAL SOLUTIONS Account Number XXXX XXXX XXXX Account Number XXXX MOBILOIL FCU - Closed XXXX late payments Account number XXXX Names and variations.- not mine XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX. 

XXXX OLD XXXX XXXX XXXX, TX XXXX - XXXX. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX - XXXX. 
SINGLE FAMILY XXXX OLD XXXX XXXX XXXX, TX XXXX - XXXX. 
SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX - XXXX. 
SINGLE FAMILY Phone numbers - not mine ( XXXX ) XXXX Employer ( XXXX ) TWFG inquiries - Inquiries not mine- FCRA Violation- delete These lenders have accessed your credit file : SYNCB/CC Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Complete Department XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX INSTALLMENT Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Complete Department XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX Delete these not mine- FCRA Violation XXXX XXXX {$1700.00} XXXX Exceptional payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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:
I have tried on two different occasions in XXXX and in XXXX to try to report fraud on my account, XXXX keeps saying its my fault and putting the money in my card for me to pay and my FICO score has been destroyed. I am a victim of fraud and my credit has been destroyed through no fault of my own and XXXX will not give me my thousands of dollars back

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 2021-02-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have tried on two different occasions in XXXX and in XXXX to try to report fraud on my account, XXXX keeps saying its my fault and putting the money in my card for me to pay and my FICO score has been destroyed. I am a victim of fraud and my credit has been destroyed through no fault of my own and XXXX will not give me my thousands of dollars back

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 2021-02-11 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: MS

Complaint narrative:
On XX/XX/2020, I wrote a letter about inaccurate accounts on my credit report. It has been two months and I still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: FL

Complaint narrative:
Around the end of XXXX or early XXXX I called them to let them know I was still having trouble paying the monthly payment due to loss of income because of COVID 19 crisis. I Called them two times after this to follow up and they told me they were still working on this and they would get back to me. I never received a response from them until now on XX/XX/XXXX. I receive an email as a charge off letter. I called them immediately and told them I had never received any response from them prior. They said they had sent me emails saying they were offering me a re-age program which meant put late payments at the end of loan so I could start fresh now on XX/XX/XXXX. I reiterated I never received this email, never in my spam fielder either. They said they could not do anything because account was already charged off. This could ruin my credit for 7 years and I do not want this to happen. If I would have been informed properly I would be paying this loan right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. BK OF AMER Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
i cancelled a credit watch service with Equifax in XXXX XXXX they kept billing me and i called them in XXXX about cancelling again and getting a deserved refund. 
They claimed no refund even if billed incorrectly and i complained they said we will start you with Equifax XXXX at no charge. 
They then proceeded to charge me again and i filed a complaint with the company and they said we do not refund. we have a no refund policy and gave me a claim number that they would get me my money back XXXX I called XX/XX/XXXX to ask where my claim stood and when i would receive my money. 
Nobody recognized the claim number, asked for a super, no consolation, ask for another super, transferred me to another div and went through the same spur request. 
Still nobody would give me service on my claim number, but continued to state no refund policy. 
I repeated that i have been billed twice in XXXX and have transaction numbers. They have stolen money from me. 
A company that supposedly protects you from fraud, committed FRAUD against me.

Company response to consumer: Closed with explanation