vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had a fraudulent charge on my debit card from XXXX XXXX ( XXXX XXXX ) I reported it to my debit card company TD bank to investigate. The case was closed without an investigation and/or request for evidence. I would like TD to evaluate my claim for the return of stoled funds from my account although I requested a stop of the transaction when it was pending. I was advised by TD bank to wait until the transaction was posted to dispute it and stop the transaction. I would like an investigation into this fraudulent transaction and return of the funds to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
My original debt is with XXXX. They charged me unwarranted early termination fees when I moved from MI to XXXX in 2018. I stayed in an XXXX until I purchased my home XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. XXXX did not service my area. I've tried to dispute these charges and they sent the balance to collections ; Convergent Outsourcing , Inc.. I have contacted XXXX to try and pay the balance and was unable because it's sent to collections. I was told to contact Convergent Outsourcing Inc, I did and they are a credit repair company that will only allow me to pay {$190.00} now to remove the collections from my credit reports PLUS {$99.00} per month of service for a 3 month minimum. This is not okay, I do not need their services. XXXX should not have charged me early termination fees until I was at a permanent address allowing me an opportunity to start services at the new address. Because XXXX didn't offer service in my area these charges should be removed. I should not be forced to pay for credit repair services of almost {$500.00} in order to remove the collection of {$290.00} from my credit report. This should 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 2021-10-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 did a transfer for XXXX tried to stop the transfer that day but was told I had to call back in 3 days in order for the transfer to be canceled and then I was told that they couldnt do nothing but a reversal and still was denied my money back after submitting numerous amounts of calls

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 2021-10-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX Address : : XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Experian I have previously disputed this item with you US BKPT CA XXXX XXXX Docket # XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is very clear that They do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681i ) and the information must be deleted immediately. 

I have attached the Court Response letter regarding the method of verification of a Bankruptcy and I also have attached the letter that I have received from XXXX stating that the Bankruptcy was removed from 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 explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
This company is attempting to collect a debt of {$280.00} according to my XXXX credit file. No one has attempted to reach out to me at all to verify the debt or to have any knowledge of it at all. I have not done business with you company at all and I believe it is quite unfair to put something on my credit file that is NOT MINES. May I ask what your method of verification was. Please tell me what information you have to say this debt is for sure mines. If and when you can not verify this debt then please remove this as soon as possible. Please tell me what information you have to say this debt is for sure mines.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: TX

Complaint narrative:
In XXXX of 2021 XXXX XXXX put a late payment on my account. This was an auto bill pay issue and they recognized this on their end because they closed the account then reopened it when I disputed the issue with an account manager. They sent me a letter saying they changed my billing structure on the account but never removed the late payment that was associated with the same issue. It just popped up on the two other bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Once upon of time, I open three credit card accounts with the company name Capital One. On XX/XX/2021, Capital One sent me a letter stating that they are closing my account due to " alleged '' fraudulent activity. When I contact Capital One they couldn't specify what was the " alleged '' fraudulent activity. If this was " alleged '' fraudulent activity, why does Capital one keep charging me interest as if my account is still open? They didn't care if my identity was in danger. First of all, I am a consumer and that's a violation per 15 U.S. Code 1602 ( j ) Capital one does not have the POWER to close my account without my permission. Secondly, Capital one is held liable for my emotional distress. I was not able to refinance my car because they furnished inaccurate info to the credit bureaus to damage my consumer report & gave me an XXXX XXXX per 15 USC 1681n ( a ) & ( b ) that's another violation. Capital one is in clear violation of the FDCPA Laws. I demand the deletion of the collection from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Inquiry is inaccurate, I never authorized an inquiry in XXXX for " XXXX XXXX XXXX ''. Fraudulent, was not 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 2021-10-21 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: CORELOGIC INC
State: CA

Complaint narrative:
Inquiry is inaccurate, I never authorized an inquiry in XXXX for " XXXX XXXX XXXX  ''. Fraudulent, was not 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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 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: MA

Complaint narrative:
Dear Sir/Madam, Please don't close this complaint just because this mortgage company, XXXX XXXX XXXX , says they will act on it. They said they will and CFPB closed this complaint and the issue still exists. XXXX XXXX XXXX did nothing. There are multiple complaints against this mortgage company on XXXX as well. Please check the XXXX website. 

Our mortgage was transferred from this mortgage company to XXXX two months ago. We even began paying to XXXX, after verifying with them, but XXXX XXXX XXXX refuses to close our account and report it correctly to credit agencies. It's becoming a problem for us as our credit report is incorrectly showing primary loan on our home owned by two mortgage companies. When it should only be XXXX. 

I hope due diligence is conducted with this mortgage company, and please don't close this complaint till full resolution and proof from XXXX XXXX XXXX  has been submitted that validates that they have corrected their records and reported it correctly as per the regulatory requirements. 

Thank you, 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 2021-10-21 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and it's been over 30 days and I haven't received any investigation results.

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 2021-10-21 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and it's been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing an item on my credit report. An account by XXXX XXXX is incorrectly on my credit report. I sent a cease and desist letter by certified mail to XXXX XXXX on XX/XX/2021 to have them stop harassing me with phone calls and unwanted communications and they keep calling. I never gave them permission to place any of my personal information to the credit reporting agencies. I have asked them to provide proof of me ever giving permission to have them sell my information and they have failed at that. I have contacted XXXX, XXXX and Transunion about a fraudulent account on my credit report and they have all failed to do their jobs which they are required to do under the FCRA. I submitted an FTC report and 2 forms of identification and they have failed to block this illegal account. I am filing this complaint against XXXX XXXX XXXX XXXX for Account XXXX. I am filing this complaint against XXXX, XXXX and Transunion for not blocking this information from my credit report. I submitted this information to them over 30 days ago. It was sent on XX/XX/2021 and no action has been taken. Very 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 2021-10-21 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: CT

Complaint narrative:
This company Equifax is fraudulently reporting an account which has fully been paid off on my credit report. XXXX XXXX  for {$130.00} has been paid but they fraudulently refuse to remove it in violation of my rights. fraudulent company XXXX XXXX  is hurt I didn't pay them and paid original creditor iinstead. 
XXXX and XXXX have removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation
State: SC

Complaint narrative:
Refinanced with another mortgage company. The payoff statement said the escrow balance was XXXX. The payoff amount included the principal balance, interest for the month, and the PMI payment for the month with a payoff date of XX/XX/XXXX. Attorney sent proof the check arrived in their office on XX/XX/XXXX. The company said the payment was not processed until XXXX. The payoff said I would receive a paid in full letter in 5 days and my escrow check within 20 days. In speaking with the company I learned that they have been taking money out of my escrow to cover interest and PMI even though they shouldn't have charged me anything after XX/XX/XXXX. Today is XX/XX/XXXX. I still have not received the letter and have not received a check. I spoke to them on XX/XX/XXXX and they still have the wrong escrow balance and they told me they would get to the bottom of the issue and call me today, that I did not need to call them back. They did not call me. 
I should not have to report them to get money that is rightfully mine. No one should have to go through this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21 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:
I have consistently disputed inaccurate and unverifiable information that is reporting on my credit report and I would like a thorough investigation and immediate deletion! It has really affected my life.

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 2021-10-21 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: GA

Complaint narrative:
I have consistently disputed inaccurate and unverifiable information that is reporting on my credit report and I would like a thorough investigation and immediate deletion! It has really affected my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been disputing an item on my credit report. An account by Wells Fargo is incorrectly on my credit report. I sent a cease and desist letter by certified mail to Wells Fargo on XX/XX/2021 to have them stop harassing me with phone calls and unwanted communications and they keep calling. I never gave them permission to place any of my personal information to the credit reporting agencies. I have asked them to provide proof of me ever giving permission to have them sell my information and they have failed at that. I have contacted XXXX, XXXX and XXXX about a fraudulent account on my credit report and they have all failed to do their jobs which they are required to do under the FCRA. I submitted an FTC report and 2 forms of identification and they have failed to block this illegal account. I am filing this complaint against Wells Fargo Dealer SVC for Account XXXX. I am filing this complaint against XXXX, XXXX and XXXX for not blocking this information from my credit report. I submitted this information to them over 30 days ago. It was sent on XX/XX/2021 and no action has been taken. Very 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 2021-10-21 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: SC

Complaint narrative:
On XX/XX/2021, l mailed in dispute letters that had inaccurate information about my credit report. I am reaching out to you for help to get these items removed from my report as it is illegal to report inaccurate information. I will be seeking litigation due to the inaccurate information on my report.

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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: PA

Complaint narrative:
I have contacted XXXX about a bankruptcy that is reporting on my credit. I contacted the US Bankruptcy Court and was informed that they do not provide information to credit reporting agencies nor do they validate and/or confirm public records. A letter was mailed to XXXX on XX/XX/2021 asking them to remove the bankruptcy and they sent a letter back refusing to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: PA

Complaint narrative:
I have contacted XXXX about a bankruptcy that is reporting on my credit. I contacted the US Bankruptcy Court and was informed that they do not provide information to credit reporting agencies nor do they validate and/or confirm public records. A letter was mailed to XXXX on XX/XX/2021 asking them to remove the bankruptcy and they sent a letter back refusing to remove it.

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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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:
I have several inquiries on my consumer report that doesnt belong to me I believe it was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
This is XXXX XXXX Formerly of XXXX XXXX XXXX XXXX MD. 

We have repeatedly asked Ocwen and also have let them know that there was a second mortgage modification program in place if your first mortgage is modified and ours was and also Ocwen owned the first mortgage also. 

Ocwen will not respond to my question about the modification on the second mortgage.I am asking Ocwen again to please communicate and they choose not to. 
I am not looking for response by email I am requiring live contact by phone or in person. 
I have a XXXX and my sight is affected by the blue light on computers. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation