vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Target, and their issuing bank TD Bank, lowered the credit limit on my card without informing me 45 days in advance of the change as required by law. I have a 800+ credit score and have paid the Target card in full multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
I opened a card with XXXX  ( clothing dept store ) they had XXXX handling their cards at the time. I had tried to make payments but was advised they were in the process of switching from XXXX to Commenity bank, and I couldn't at the time. I had a balance of {$150.00} at the time. I made an XXXX payment, and now I have balance of {$350.00}. All in late fees, and they refuse to wave any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
They called my employer acting as if they are acting on behalf of XXXX county courts representing themselves as a proceedings office reading off allegations using threat tactics if i dont satifsy the account. Leading my employer to believe that i would be served with arrest papers at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: VA

Complaint narrative:
Experian has the following incorrect addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  has the following incorrect address : XXXX XXXX   XXXX XXXX XXXX, VA XXXX Transunion has the following incorrect addresses and names : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX I have asked Experian, XXXX  and XXXX  numerous times to update my correct information because I do not reside at these addresses and these names do not belong to me. My requests continously are ignored. I want this incorrect inormation deleted immediately.

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 2020-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
In XXXX, XXXX, Shellpoint Mortgage Company ( Shellpoint ) via its third party vendor completed an erroneous escrow analysis charging me for 11 additional properties that I do not own. I own one property but my escrow was charged for 12 instead of one. I put Shellpoint Mortgage on notice of the problem in XXXX, XXXX. I was told that they were working to correct it last XXXX, XXXX but it has not been corrected as of date. I have spoken to over 20 people in the past year about correcting the problem to no avial. I have suffered extreme emitonal distress and frustration due to this ongoing error. I was told tht my account can not be corrected until Shellpoint receives its money back that it paid from the 11 parcels from XXXX County. I verified with XXXX County Treasurer 's Office who stated XXXX County does not have those properties connected to my account. I should not be penalized because Shellpoint paid on accounts that have NOTHING to do with my account. 

Also, In XXXX, XXXX, I received an erroneous tax statement based on the erroneous escrow analysis. Shellpoint knew that the escrow was erroneous yet sent an erroneous tax statement to me after being put on notice. I was not able to move forward with filling my taxes until I filed a compliant with Shellpoint Mortgage and a representative from the Escrow Department phoned me to verbally give me the correct numbers to allow me to file taxes. I never received a corrected tax statement from Shellpoint Mortgage. 

On last Friday, I received a negative credit report on my credit due to a delinquency on the mortgage payment. However, I have paid mortgage each month. I was told to pay {$960.00} until the escrow is corrected. I have consistently done so. However, the computer is showing me owing {$1.00}, XXXX. I was told not to pay {$1.00}, XXXX but {$960.00} until the matter is corrected. Yet, I am being reported delinquent. I do not want to go into default because of Shellpoint 's failure to correct its mistake via its third party vendor. 

In closing, it has been close to a year and my escrow is still not corrected. My credit is being negatively impacted by this. I am writing for your help to facilitate the correction of my escrow analysis so that my monthly mortgage payment can be correctly reflected. I thank you in advance for helping me resolve this issue to correct my escrow analysis.

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 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
A collection agencies under the name Phoenix Financial Service appears on my Credit Report with an a amount of {$59.00}. I do not recall to had any contract or agreement with this Company or to own them any thing ... I called this company and gave them all my personal Information as SSN, Names, Adress and Phone adress and the representative couldn't find any thing in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX   XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute all not mine

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 2020-09-24 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute all not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Hello again, I have asked a few times now to have you remove my authorized user account from all three credit reporting agencies. This has been done well over 4 weeks ago and it is still showing up on my reports. Please see that this gets removed right away. 

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 2020-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/20 I went to the XXXX XXXX Wells Fargo ATM machine in XXXX CA and requested {$200.00} cash withdraw. As I arrived I noticed a XXXX truck servicing the ATM machines, this site is at a former bank location and now is ATM only. Not knowing if the machines would be in service I proceeded to make my transaction and the machine appeared normal, no " not available at this time '' notices. I inserted my card, entered my pin and made a selection from the normal prompts. In this case I requested {$200.00} cash withdraw. As I took the cash out I though " this feels like more than {$200.00} '' when I counted the cash it was in fact {$400.00}. I though the machine malfunctioned as a result of something the XXXX people were doing. I have never taken more than {$300.00} and though {$300.00} was the maximum withdraw per day. As I was on my way to work and there is no actual bank at this location I figured I would access my account online after work and see if {$200.00} or {$400.00} was deducted from my account, to my dismay I discovered the bank claimed I had withdrawn {$700.00}. This is 100 % not true!!!!! I called the bank and told them the story, they said they would look into it and gave me a temporary credit of {$300.00} while they did there research. They then notified me there was no error on there end and took my {$300.00} back. So I tried to get some help from my local branch XXXX XX/XX/20 XXXX who requested to reopen my claim, then I was contacted by phone XX/XX/20 and told the claim was denied and it would not be investigated any further.

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 2020-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I opened an account with Bank of America on XX/XX/XXXX of 2020, me and my husband got our back dated unemployment checks from Oregon, they came in many separate checks. My husband deposited all of his checks on the XXXX in the amount of XXXX when we opened the account and I deposited all of my checks in the amount of XXXX on the XXXX. Right after I deposited my checks the bank put a hold on our account, which made the account look like it was overdrawn, it said I had XXXX in my account. I Of course called them the next day freaking out because it looked like I was overdrawn but they assured me it was an account hold. I got transferred to too many different departments to remember with no help and no one could tell me anything about this hold. I waited 48 hours then called back, after transfer after transfer I got one lady who  told me she would take the hold off of my account and she did, that was XX/XX/XXXX. I was told my account was open and that I was free to use it and then the following Monday, XX/XX/XXXX I made several transactions on the account and promptly after that my account was put on hold again. I called the next day and I got the run around again. I was told that my account was put on hold again for the original reason of the many deposits made when opening the account and that I would have to wait 48 hours. I called them again on the XXXX to get them to take the hold off. I was told that it takes 10 days now for the hold to come off and that I have to wait until the XXXX. Im am tired of disputing this problem with Bank of America, I feel as though no one can help me and that this is some kind of bank fraud, Ive had the account for two weeks and can not touch my money. Not to mention that my account has been on hold twice for the same reason and I was assured on Friday the XXXX that my account was off hold and I could use it, just for Monday the XXXX to come around and it is back on hold as soon as I try to make any transactions. I want to make a complaint against this bank for wasting all my time just to give me vague answers and not help me with my problem While holding my money from me. Im hoping to get some kind of help or action and to have this bank held responsible for all the misinformation given to me. 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 monetary relief
Consumer complaint received 2020-09-24 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: VA

Complaint narrative:
XXXX has the following incorrect addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  has the following incorrect address : XXXXXXXX XXXX   XXXX XXXX XXXX, VA XXXX Transunion has the following incorrect addresses and names : XXXX XXXXXXXX XXXXXXXX XXXX  XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX I have asked XXXX, XXXX  and Transunion numerous times to update my correct information because I do not reside at these addresses and these names do not belong to me. My requests continously are ignored. I want this incorrect inormation deleted immediately.

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 2020-09-24 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: VA

Complaint narrative:
XXXX  has the following incorrect addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX Equifax has the following incorrect address : XXXX XXXX   XXXX XXXX XXXX, VA XXXX XXXX has the following incorrect addresses and names : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX I have asked XXXX, Equifax and XXXX numerous times to update my correct information because I do not reside at these addresses and these names do not belong to me. My requests continously are ignored. I want this incorrect inormation deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I applied for and received a auto loan for a used car. Subsequently I received a letter from ALLY Bank referencing credit freeze on my record with XXXX, which I authorized and their letter also reference XXXX XXXX. 
XXXX reported incorrect credit score and incorrect factors which affected my score as reported by XXXX. 
I have never heard of XXXX, never authorized them to be used or consulted regarding my credit score.

Their information is incorrect and there is no way to reach them without disclosing too much personal information. I do not want to release personal information to a company I have not chosen to use nor one I have never heard of. 
My credit score is readily available from XXXX XXXX and XXXX 
I my records deleted from 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 2020-09-24 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2020-09-24 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: Paypal Holdings, Inc
State: OH

Complaint narrative:
I gave PayPal my bank account information for the sole purpose of paying my PayPal credit card on XX/XX/2020. On XX/XX/XXXX, PayPal attempted to use my bank account to process an unauthorized charge from XXXX for a anti adware software that I had cancelled months prior. XXXX acknowledged that it had been cancelled. PayPal 's system keeps attempting to process the same charge but has started changing the name submitted to try to bypass the stop payment by the bank which is still ongoing as of today. In an internal message sent to me by PayPal they acknowledge that this charge that was unauthorized by me and stopped by me was still showing active in 2 places within their system. PayPal claims that has been closed and even though they have received the funds back from XXXX, they are still attempting to collect the funds from my bank. PayPal 's automated system doesn't even show the ongoing attempts to collect the unauthorized funds for me to dispute. Most importantly, PayPal will not allow me to remove, delete and disconnect my bank account from their system. This is abuse of power and fraud. I should not have to close my bank account of 20 years because of PayPal using it for unauthorized charges!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2020-09-24 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Tower Loan has been running hard inquiries on my credit report every month for nearly a year. I did not authorize this, and I believe it to be illegal.

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 2020-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XX/XX/20 Heloc Bank of America statement is incorrect. 

The Total Principal Balance of {$64000.00} is overstated by {$4300.00}. Using the Bank 's statement Beginning Balance and applying all the transaction detail provided, the correct Total Principal Balance is {$60000.00}. 

Bank of America is fraudulently claiming an excessive amount over what is actually due. 

Bank of America claims an amount past due of {$220.00}. The {$220.00} due was paid timely on XX/XX/20 with good funds. 

Bank of America is fraudulently claiming a Minimum Payment Due of  {$450.00} which is overstated by {$220.00}.

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 2020-09-24 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: NC

Complaint narrative:
On XX/XX/XXXX I submitted a written dispute regarding inaccuracies on my report. I am trying to purchase a home for me and my family and my credit has become very important to me. I received confirmation via certified mail that my dispute had been received on XX/XX/XXXX, however Equifax did not complete the investigation until XX/XX/XXXX. After receiving my results, some inaccuracies had been deleted, however some had been verified as accurate. The same accounts Equifax claim to have been verified, have been deleted by other credit reporting agencies due to failing to verify the accounts. I believe Equifax has been negligent in conducting a fair investigation of the erroneous items, so I requested method of verification used to validate the debts. Instead of providing me with the requested information l, Equifax initiated another investigation giving me a completing date out 30 days. This is a direct violation of my consumer rights. Per the FCRA the bureau has 15 days to provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: NE

Complaint narrative:
XXXX XXXX  is reporting 2 Miortgage listings closed as of XX/XX/2010. Under the FCRA, these should no longer be reporting as they are over 7 years old from date of last activity. XXXX XXXX XXXX  is now the owner of these accounts

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