vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am writing to request your help. I tried to resolve this issue with TD Bank previously and did not receive any type of help. I am just asking what is fair. TD Bank is reporting a late payment on my credit report that occurred due to my mail being stolen and preventing me to receive any statement or late notice for me to honor. I am aware it is my responsibility to make sure the payment is delivered on time however, I did not receive my statement. I even reported this to the law enforcement agencies ( see attached proof ). 

I have always made my payments on time and will continue to do so. After realizing the payment date, I immediately made the payment, but by that time I was already marked late. 

Again, this was a situation that I could not control. Now I have a perfect record of on-time payments. I am requesting that TD bank removes the late payment from my record. By the time of the late, I had over {$50000.00} in the bank, which was more than enough to make the payment. This was not a money issue and I did never mean to be late. 

I feel stressed out with this situation. I even had to go to the doctor because I started experiencing health issues. I am demanding what its fair.This late payment is related to fraud. It is my right to dispute inaccurate information and have it removed, according to the FCRA. 

Account information : TD Bank USA/Target Credit. Account # XXXX. Opened XX/XX/2018, limit {$500.00}, status : paid and closed. This is the last step that I am taking before taking this issue to the next level and let the XXXX XXXX county courthouse take a decision.They have committed multiple violations under the FCRA, such as FAILING TO INVESTIGATE ACCOUNT AND FAILING TO MARK ACCOUNT AS DISPUTED AFTER THEY RECEIVED MY DISPUTE NOTICE. This is causing me financial and mental issues because my financial life is being ruined, I have not been able to obtain a loan of over 1,000,000 dollars and just because the late that TD Bank is reporting, which was not my fault. 

Thanks to whomever reads this complaint. See attached : - Letter sent to TD Bank and proof of fax ( which they ignored ) - Bank statement showing funds - FTC Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I feel that my loan modification application has been decline and I feel discriminated because of my race and ethnicity and I also feel they are violating the Fair Housing Equal Opportunity Act Policy and Guidelines. 

I have summit my application and comply with all term and condition with all necessary document need to qualify more then 7 times. Lender and Services now setting a sale date on my property want lender and services to be investigate for mortgage discrimination and for violation of ( Mortgage Servicing Rules under the Real Estate Settlement Procedures Act ( Regulation X ) ( RESPA ) Wells Fargo home loans and XXXX XXXX ( servicer )

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 2020-03-03 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: MO

Complaint narrative:
In XX/XX/2020, I was a victim of scam/fraud. I immediately reached out to XXXX CEO, spoke with XXXX XXXX asking for any sympathy as a 3 year customer who never paid late. I sent all supporting documents to prove my claim. The request to reopen my account was denied.

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 2020-03-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In XX/XX/2020, I was a victim of scam/fraud. I immediately reached out to XXXX CEO, spoke with XXXX XXXX asking for any sympathy as a 3 year customer who never paid late. I sent all supporting documents to prove my claim. The request to reopen my account was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: MO

Complaint narrative:
In XX/XX/2020, I was a victim of scam/fraud. I immediately reached out to XXXX CEO, spoke with XXXX XXXX asking for any sympathy as a 3 year customer who never paid late. I sent all supporting documents to prove my claim. The request to reopen my account was denied.

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 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: NY

Complaint narrative:
Im a victim of identity theft someone got my information and I believe open accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: FL

Complaint narrative:
EQUIFAX, XXXX  AND XXXX HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT. THATS INACCURATE/NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX Woven Canopy Bed, Gray Wash, Queen, # XXXX, QTY : 1, {$840.00} + Shipping and processing {$140.00} + tax XXXX for a total of {$1000.00} ( order # XXXX ) at XXXX XXXX XXXX XXXX XXXX in XXXX, NC. The assistant manager helped me with the purchase and opened a new XXXX XXXX credit card since it was under a plan of no interest if paid in a year. A few days later, I registered online to start making payments. XXXX XXXX directed me to Comenity Bank. To my surprise, I had been charged on that same day, XX/XX/XXXX, something that I had not purchased for {$280.00}. When I called the bank, the customer service representative told me that the amount had been charged even before the sales lady at XXXX  XXXX had charged my bed and that it had been an online charge for XXXX XXXX XXXX. I went to the store to tell XXXX, the assistant manager, what had happened and she was very surprised. She emailed some executive from her store about my issue back in XXXX. Never heard anything from anybody. 
It has been over two months I have been disputing this fraud with Comenity Bank and just now, XXXX, XX/XX/XXXX, XXXX EST, the customer service rep from this bank said that the dispute department resolution was to keep the charge on something that I didn't purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On numerous occasions up to and including XX/XX/XXXX I have requested that the account be closed and the transactions not be paid. 

Unbeknownst to me, on or about XX/XX/XXXX and XX/XX/XXXX, over {$2500.00} was transferred from my personal account into the account that I repeatedly requested be closed. I will add that these accounts to and from which the funds were transferred were not linked, and the transfers were without my knowledge or consent, and therefore unauthorized. I am confident that a footprint of the account would substantiate my claims that these transfers were made by employees at the bank without my consent or knowledge. 

On XX/XX/XXXX, after no cooperation from the bank to honor my wishes, I was finally able to close my account. I have a recorded voicemail from my personal banker confirming such. 

Subsequent to the closing of my account, an employee and representative of Fifth Third XXXX XXXX, XXXX XXXX, instructed his assistant, XXXX, to reopen the account. I was made aware of this by another employee at the bank. How can an employee take it upon himself/herself to reopen an account when I instructed it be closed? Additionally, on XX/XX/XXXX, an inadvertent payroll deposit was allowed to be deposited to my closed account and the funds were kept and as of today have not been returned. 

When I reached out to XXXX he stated that well, mistakes were made but what was the damage? I can say with certainty that the damage is the {$2500.00} that they stole from me, as well as the additional {$620.00} in a payroll deposit also which was stolen and not returned. I have tried to resolve this with the bank directly by reaching out to the branch manager, XXXX, to no avail. Therefore, I ask that this please be addressed and this misconduct by the individuals employed by XXXX XXXX be looked into and see to it that my account be fully closed, and not reopened. Please also refund me the {$2500.00} in unauthorized transfers, as well as the {$620.00} deposit made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my information and I believe open accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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:
i have two companies that trying to get the same money ... XXXX  XXXX XXXX  the original credit reports charge off balance XXXX ... and still report account incorrectly ... .they sold account to XXXX XXXX XXXX XXXX ... .they are asking XXXX ... ..will upload proof two letters from both companies asking ... XXXX XXXX XXXX  should not be reporting anything it should show sold/transferred they are in violation.

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 2020-03-03 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:
XXXX, TRANSUNION AND XXXX  HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT. THATS INACCURATE/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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX AND EXPERIAN HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT. THATS INACCURATE/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 2020-03-03 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: FL

Complaint narrative:
XX/XX/XXXX - I sent a letter to all 3 major credit bureaus and Bank of America, letting them know that I had been a victim of ID theft on this Bank of America account and to block the reporting from my credit report. Bank of America responded that the account had been verified accurately. 

XX/XX/XXXX - Bank of America sent out an ID Theft Affidavit for me to complete. I have completed the Affidavit along with the attaching a copy of an Incident Report and proper identification. 

XX/XX/XXXX - Bank of America reopened the fraud investigation on this account that is not mine. 

They have not provided any information to verify this account the first time I've disputed. I have given them more than enough time ( 3+ months ) and they have not resolved this account yet with no information to support why they believe it's valid. I can't continue to wait for them to take their time on resolving an issue that is costing me at the end of the day. 

I have been patient enough and have no choice but to file this complaint on them,.

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 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT  MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT 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 2020-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I have already filed a complaint against Caliber Home Loans # XXXX but again feel it is necessary to file another complaint for red-lining. In the 21st century in the year 2020, I sincerely believe this particular underwriter has worked relentlessly to find every reason under the sun to deny me due process for this loan approval and this is a discriminatory racially motivated action. I have worked tirelessly with Caliber Home Loans in an attempt to provide all of the requested documentation to comply with the underwriter 's stipulations for loan approval to no avail. After giving all documentation from the beginning of this second process to receive approval to move forward with the loan based on having 30 days of paycheck stubs and now in the tenth hour, she has again come back to the loan consultant with a final decision saying I could not use my current income to qualify for this loan and can only get approval with a co-signer. How can this be possible that current/future income can not be used is beyond belief. I was told that my past income could be used for the loan but not my current/future income and this makes no sense because my mortgage payments would be based on what I am receiving now not the past income. I need a detailed written explanation of why everything I did was further exacerbated to the point of denial. The impact of hardship that this company has placed on me can not adequately be explained. I am pregnant nearing delivery and the stress of all of this has had a direct impact on my health as well. I have spent unrecoverable money, have no current place to live at the end of XXXX, not to mention the time involved to go through this process is ridiculous. This company should be investigated for what is happening. How many others have experienced this type of treatment. I will not let this go and work just as hard to expose this type of process so others may not have this experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I upgraded my credit card at Chase and wanted to close my old credit card with them. Unfortunately, it refused to close so I went into a Chase store branch in XXXX to close it in person. The service manger helped close the account but I was charged a late fee and the credit card reopened and I just found out about this in XX/XX/XXXX when I noticed I had a Delinquency Report on my account and my Credit Score dropped almost 100 points. I went back to the store again to fix this problem and they said that a merchant continued to charge that account and it reopened the closed account which doesn't make sense. How can a merchant reopen a closed account without the account holder 's permission. Chase claims they are not responsible for this mistake because there was nothing wrong with their system. Additionally, I had the account on auto pay as well so there shouldn't have even been any missing payments to begin with. I hope you can help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I was put on a forbearance program by my mortgage lender at the time XXXX. When the forbearance period had come to and end I was told that I would be put into a trial period of three months before I would be reinstated. I was also mailed this statement in a form of a letter. I made those payments, then I was told I had to go through three more trail payments. I made those payments on time or before its due dates as well. In between the beginning of the process my loan was transferred to worst possible Mortgage servicing company in the industry Loan Care. At the end pf this " trial period '' which I had gone through two times now, I was then told I was denied reinstatement  because I was supposed to have signed some paper that was delivered to my house but was never actually signed upon delivery, but left outside rather according to the tracking number ( which I don't have, they can provide that ). I was never told about any documents to sign at the beginning of this process. I had already signed everything that was needed with XXXX. Also I was already violated when I was made to go through the trial period for a second time because Loan Care was not ready to fluently continue with the process of which XXXX had already started with 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 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Based on previous CFPB XXXX, Midwest Recovery systems stated to the CFPB that they would delete any entries and accounts pertaining to me as this is not my account and they were unable to verify in the legal time frame. Nor have I received any documentations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I setup automatic payments for my son 's preschool with Ally bank. Ally, through a third party company, would mail a check directly to the preschool and debit my account. In late XXXX, the check for XXXX 's tuition was stolen and cashed by an unknown person. I have tried to get reimbursed for these funds as I had to write a second check to the preschool for tuition. For six months, Ally has given me the runaround and provided no solutions, and has yet to reimburse the {$180.00} ( although they said they would ). Ally has also been unable or unwilling to provide me with an image of the check that was cashed, despite numerous requests. I have contacted customer service, Ally 's fraud department and even reached out to a senior executive ( who was initially helpful, but still no progress ). Any help would be greatly appreciated.

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 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT  NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
OCWEN HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I tried to do a transaction with moneygram to send money from my XXXX card. I was sending money from my XXXX Card to my personal bank account in the amount of XXXX on XX/XX/2020. I get a email that the transaction has been completed than another that says its been canceled. I called MoneyGram and they stated the transaction was canceled due to my information not matching which was a lie. I was then told it because my bank declined the transaction and my bank stated they have no reason too. I was supposed to have a major XXXX on XX/XX/XXXX and Im unable to because I didnt have my payment made. I need my money back ASAP please help.

Company response to consumer: Closed with explanation