vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays Bank online has locked my account and have now asked for all my account statements from other banks which I find very odd due to the fact that this is private information and those accounts are already linked to my savings account with them. 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 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 — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Cavalary Portfolio Account was paid on XX/XX/2021 We were told that the account would be removed from the credit as per their policy within 30 days. 
I reached out to the company and they told me that they submitted a request to update the credit as a settled account when in reality the negative account should have been deleted in full as per the policy specified on their website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMSHER COLLECTION. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Nationwide Mortgage Bankers, Inc.
State: NJ

Complaint narrative:
I was promised a healthcare worker discount of {$1500.00} and was informed 24 hours prior to my closing date that because the sellers rushed up our closing date they dont have the time to process this discount unless I push back the closing date by another week, which is impossible to do with less than 24 hours notice. While, yes, the sellers rushed the closing date, weve been working with this company since XXXX and they had promised back in XXXX we would received this healthcare worker discount. They also acknowledged the discount as recent as last week. Complete false advertisement and lack of professionalism. They also were rude, dismissive, and discourteous throughout the entire process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against COMMONWEALTH FIN. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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: DISCOVER BANK
State: FL

Complaint narrative:
Hello, I'm still having having serious issues with Discover Financial Services, LLC and XXXX  involving errounesly reported on my credit bureau. The item that XXXX  and Discover continue to mark as duragatory was placed on my Bankruptcy schedule as an honest mistake, yet, no one wants to help me with it's removal. In it's letter to my attorney, Discover clearly acknowedges that ( 1 ) There were never late payments, ( 2 ) The balance was paid in full, and ( 3 ) The balance was paid in full XX/XX/XXXX prior to my XX/XX/XXXX bankrutcy filing. Thus it should have never been on the bankruptcy schedule to begin with, just an error on my part that I'm being penalized for. I explained to XXXX  that no one is perfect and it was an honest mistake on my part that it was on the schedule and now it's causing me financial hardship in obtaining a loan on my personal residence. I explained the situation in it's entirety and they promplty removed it from my credit bureau in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On Monday XXXX, I, XXXX XXXX XXXX, went to TD Bank on XXXX XXXX XXXX XXXX XXXX Florida XXXX where I have a checking account. I have had that checking account about 10 years. My son XXXX XXXX was with me and we had just picked up a check for {$16000.00} dollars. This check was from the largest law firm in XXXX Florida, XXXX and XXXX. My son and I wanted to open a savings account. We spoke to XXXX XXXX, Finical Services Representative. My first question to Ms. XXXX was .... will there be a hold on this check? MsXXXX XXXX answered that it would only be 24 hours and all funds will be available on Wednesday XXXX. I asked Ms. XXXX if she was sure and explained that i could go a half mile down the street to XXXX XXXX and cash the check, return and open a savings account where I have had a checking account for around 10 years. Ms. XXXX XXXX said she was 1000 percent sure. 

So based on that ... My son and I opened a Savings Account. 

On Wednesday XXXX I checked my online account and there was a hold until Tuesday XXXX. I spoke with the TD Bank XXXX Customer Service on the phone. I was escalated to a supervisor who instructed me to contact my local TD Bank Branch which I had deposited the check at, as they are the ones who placed the hold on my check. The supervisor told me the local branch manager is at discretion to release the hold. They instructed me to call the Branch. I did and spoke with XXXX the assistant Branch Manager and she said that MsXXXX XXXX XXXX was wrong and that she thinks she said that Under Pressure to open accounts and will look into that wrong and that is ... NOT ... TD policy to open up accounts under fraudulent actions. Meanwhile they will not release the funds, although the District Manager named XXXX XXXX who I spoke two on two different phone calls, said he would straighten this out and get the funds available on Thursday XXXX. This has Not happened and I have called him two times today to ask about my money and he has NOT returned any calls. I called the Manager who is in rehab or on vacation and he has Not returned my calls. Furthermore today, I called the branch and the Assistant Branch Manager is NOT in today. It is becoming VERY obvious that TD Bank is using Fraudulent methods to get customers to open accounts. I explained to the District Manager, Mr. XXXX XXXX, the whole situation and he agreed that TD Bank was NOT living up to Honest, Transparent, and Customer expected service. As a senior on a fixed income with XXXX sons to support, TD Bank deceptive practice has hurt me and I ask for a FULL Civil Investigation of this matter. I ask that a CRIMINAL referral to the DOJ happen as well. 

How many OTHERS have been HURT by the deceptive practices of TD Bank?

Company response to consumer: Closed with monetary relief
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: GA

Complaint narrative:
this complaint has been ongoing with ONLINE INFORMATION SERVICE since XX/XX/XXXX, i have sent them various letters asking for verification in which they has not supplied, and i have also sent it to transunion to verified it since the debt collector can't.I haven't gotten any response from neither of them and this is causing me harm from getting any credit, car or home.I have sent Transunion another letter asking for verification on XX/XX/XXXX as well.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
XX/XX/XXXX a balance of {$110.00} was paid IN FULL to the collection agency Sequium Asset Solution. When paying this account I was told that a request would be send to XXXX  and XXXX  to have the paid in full collection account deleted from my credit report. I called and spoke with many representatives that were extremely rude telling me that the account would not be deleted and that the account would still report on my credit as a derogatory collection account til XXXX. Also the last reported date XXXX  is reporting inaccurate I paid the account off XX/XX/XXXX and they are reporting XX/XX/XXXX this is inaccurate, as well as both bureaus reporting this account as a paid collection account. This account needs to be deleted off of my credit report as soon as possible or I will take legal actions to resolve this matter! 

Thank you, for your prompt response in handling this matter!

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: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I leased a XXXX XXXX at the end of XX/XX/XXXX. The lease ended XX/XX/XXXX. All payments were made on time. I leased a new XXXX XXXX in XX/XX/XXXX and was told I would not pay a disposition fee on the XXXX car. When I attempted to return the XXXX car at lease end, XXXX XXXX in XXXX XXXX, CA refused to accept the car. GM XXXX also refused to accept the car due to the covid pandemic. I made over one dozen calls and emails to XXXX to no avail. I had to store the XXXX XXXX  and pay insurance on the car against theft or damage. In XX/XX/XXXX I was contacted by GM Financial and they made arrangements with me to pick up the car at my home. After the car was picked up I received a bill from GM for a repossession fee and a disposition fee totaling {$710.00}. After repeated phone calls to The Lease End Dept, I gave up. GM Financial subsequently sent a " Charge Off '' to the credit unions and lowered the credit rating on my credit and my husbands credit over 100 points. I decided to file a small claims case against GM Financial XXXX. I contacted the Secretary of State to find the GM Agent for Service in Calif. All of the previous GM agents are suspended and there is no agent at this time. The Secretary of State legal dept could not help. I called the legal dept at GM Financial on XX/XX/XXXX. They said I would receive a call back in 24 hours - but no call came. I need to find someone to serve for my case.

Company response to consumer: Closed with non-monetary relief
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$2600.00}

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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NV

Complaint narrative:
EOS CCA is a debt collection company that has purchased a Fraudulent debt or Identity thief debt from XXXX XXXX in my name in the amount of {$2400.00}. 
This debt is not mine, I have tried in every way to get this company to remove this fraudulent debt from my credit report. I have received a fraud pocket from EOS CCA in XXXX XXXX XXXX, I promptly completed the pocket/documents and summitted a Affidavit signed by a Notary and mailed the package on XX/XX/2020 as a registered package to an address in XXXX MA that was on the documents. This is the address of EOS CCA. The USPS sent me an alert when the mail was delivered to the EOS CCA address. That was almost two months ago and I haven't received a reply as promised to myself and the XXXX XXXX  XXXX from EOS CCA..I have sent documents to this company with the telephone number which I had during the period in question and they still refused to correct this gross error. 
Below is the USPS receipt from a registered mail dated XX/XX/2020 and mail to XXXX MA, the return address on the affidavit. They have informed the XXXX that they did not received the registered package despite the contrary from the USPS. Below is verification of delivery by the USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal refuses ton pay me the money that was paid to me for sellig on XXXX In XXXX of XXXX I sold an item on XXXX as I have done many times before and was properly paid for it trough Paypal. I shipped and the item was received by the customer and all good there. Now Paypal is refusing to release the money to me because my account is not in good standing with them due to identity verification issue. Paypal insists that I upload photo copies of my social security card via the internet which I refuse to do. I have offered to send any documentation they need via US Mail like all legitimate businesses in USA do but they refuse they even refused to provide me with an address that I can send correspondence to. In the past few years I have opened a few bank/credit card/loan accounts over the internet and nobody has asked that I upload photo copies of documents over the internet. All that said if my account was not in good standing why did they accept the payment on my behalf in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
We have tried to reason with XXXX XXXX XXXX, XXXX several times by phone and written communication. XXXX refused to close our account with them saying our phones would no longer receive calls or make outgoing calls. We informed them our number was no longer registered with them as we had another service provider. 
Please find documentation of the transfer and closing attempts we made with this company to transfer our telephone lines to a new company. We made phone calls and we were threatened by this company in an effort on their part to intimidate us into continuing with them. We learned from our new telephone provider that we cant cancel the IP address even though we tried. It must be cancelled by the new telephone provider. The new provider obviously did that on XX/XX/2020 as phone calls were coming from their IP address from that day forward. We cant have two telephone companies providing the same service on the same lines. 
We have made every attempt to convince XXXX XXXX XXXX, XXXX that we didnt need their service after XX/XX/2020. We paid for all services up to and through that billing date. They have not provided our telephone service therefore we do not owe them any money. We have tried to communicate that to XXXX XXXX XXXX XXXX but they continue to bill us first through our credit card company, which we finally had to close and the through billing and now through Credit Collection Services. Attached is our phone log with their number when we first contracted them and subsequent phone calls. We also called on a cell phone at a later date to demand the closing of the account. At that time they insisted we keep it open until they investigated further. They just kept billing us through our credit card company. We contracted our credit card company to complain and eventually had to close the account.

Company public response: Company believes the complaint is the result of a misunderstanding
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 — Public record information inaccurate
Company: Advanced Resolution Services Inc.
State: OK

Complaint narrative:
I have challenged the bankruptcy ( bk ) on my report. The data furnishes and credit bureau claims that they have validated from public records and the data furnisher XXXX XXXX and ars. I got a letter from the XXXX XXXX house saying they do not provide any information to any third parties like the credit bureaus or data furnisher. XXXX XXXX removed the bk from their report based inaccurate information. I sent all the letter challenging the information along with letters from XXXX XXXX and the bk court house. I request the bk be removed immediately according to FCRA

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im tired. Im tired. Im tired and this is so darn unfair. I can not get a response at all. I have sent letters several times and I am getting nothing in return. So Im finally complaining about my last letters. I should attach all the letters I have sent but its way too many. on XXXX I sent a dispute to all three credit bureaus regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am being significantly impacted on my credit history for an error made by my mortgage company. I have been attempting to figure out exactly how they can claim there is a late payment on this account, when we have records indicating that payments were drafted every month since the inception of the account. 
Based on my extensive research and audit of the payments posted on this account, I can spot a potential egregious error on behalf of the mortgage bank that is showing a possible clerical/typo error when posting my payment. The payments monthly are {$1700.00} a month, but it seems for the month of XXXX they posted as {$1100.00}. I understand that mistake happen, but they are fully aware of this and refuse to adjust it on my credit report. This was their mistake and all I want is for them to rectify it. Furthermore, a payment was promptly made right after to ensure there was not a 30 day lapse in between payments, therefore this 30 day late is completely false, damaging, illegal, and I Demand it gets removed.

Company response to consumer: Closed with explanation