vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I am being harassed about debt thats not mine, its been on my credit for 8 years my wallet was stolen and my IF was taken, I have summited this over dozen times these people refuse to accept my ID theft issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This complaint is about an unfair business practice by TD bank that resulted in a precipitous drop in my daughters ' and my credit rating. 
I am writing on co-signer for a personal loan that daughter took out from TD bank in XXXX while living abroad. ( In addition to the loan my daughter had a Savings and Checking account with TD bank which always had a healthy balance ). The loan was signed through a power of attorney provided by my daughters ' sister who lives in the US. 
My daughter set up an automatic monthly debit and paid every single installment of the loan on time. The last time her account was debited ( in XX/XX/XXXX ), she assumed she had paid off the loan. However, in XX/XX/XXXX, I noticed that my credit score had dropped precipitously. I investigated the drop and saw that there was an indication of an overdrawn loan from TD bank. I informed my daughter who contacted TD and was informed that the last installment of the loan could not be paid via direct debit, but through a financial services institution. My daughter never received any notices via mail, email, or telephone that the final payments had to be made through another method. When she phoned TD to complain they said that the final loan was overdue which justified their action.Until then my daughter had never once missed a loan payment, but because TD made no effort to inform her, or me, about the last payment method, both of our credit scores ( see attached ) were severely adversely affected. 
My daughter filled out the TD online form asking the bank to correct the information provided to the credit bureau so as to reinstate the previous excellent score we both had. TD bank responded that they had done nothing wrong and refused to take any action. 
I then contacted a local representative in XXXX NJ where my daughter had opened the original accounts asking for help in resolving this unfair practice and to rectify it. Last week I heard back from her that the bank would do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I purchased Bitcoin through an account I had created with Coinbase , Inc . Immediately after purchasing the Bitcoin, using their XXXX application, I was locked out of my account with no access at all to my funds. 

I have been contacting Coinbase customer support, every day, for the past 3 weeks. I have never gotten anything except an automated response that doesn't even address the problem.

I have sent just over 120 messages to Coinbase customer support now. Researching the problems I am encountering with Coinbase has shown that I am not alone. It seems like many thousands of people have had the exact same thing happen to them.

I just want my funds and I want to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC
State: CA

Complaint narrative:
this company I never did business with charge off an account that doesn't belong to me. after it was deleted they changed the account number so that they can re report it to my credit file after it was removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I noticed that Experian was reporting wrong information on my credit report. I sent them a letter, which was delivered to an individual at the address at XXXX on XX/XX/2021. On the green return receipt they state that they have received it on XX/XX/2021. I have stated in the letter to remove this information because I did not authorize them to report on this alleged account without my consent, which was a total breach of my privacy pursuant to 15 USC 6821a. I also am aware of my Federally Protected rights as a consumer and a natural person. I am aware that pursuant to 15 USC 1681a ( 2 ) ( B ) that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. I am aware that I am the natural person and consumer in fact which extended the credit via my credit card also known as my Social Security Card. Pursuant to Federal Law, credit reporting agencies have 30 days to respond, and I have still not received any correspondence from their agency. This is a clear violation of the FCRA and I intend to reserve my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I received a call and voicemail from an unknown number. The message left regarded a civil suit and charges pressed against me along with a case reference number. I returned the call with the case reference number and was told that a judgement was about to be placed on my credit for 10 years and wages garnished from my employer. The collector knew the name of my employer. The debt had been from Capital One in XXXX. The representative XXXX XXXX told me that the account had closed in XXXX with a balance of XXXX but with legal fees they were attempting to collect over XXXX through wage garnishment or I could make a plea to settle. After being placed on hold several times i was told that I could settle out the original debt without wage garnishment or a judgement against my credit. Suspicious of fraudulent activity I asked for credentials. The representative sent me to a website XXXX had me click on the business tab and type in XXXXXXXX XXXX XXXX. The address was in XXXX California which the representative was able to verify. When I asked why I hadnt received anything in the mail he said there was an attempt to serve me at my address from 10+ years ago that had failed. I asked for further documentation to include the paperwork for serving and an itemized report and the man told me that those items are inaccessible because they are in a discovery file and I would only be able to see those if I go to court. I then asked why this is the fist time I am hearing about this at my phone number and nothing has been sent to my current address. The representatives response was that they had to be granted access to my updated personal information from a magistrate. I attempted to settle the debt by agreement via emailed docu sign and providing the representative my credit card information. My credit card was denied twice for suspicious activity. So, I provided another credit card number and it was also denied for fraudulent activity. The representative told me Id have to call the back of my card and approve the transaction and call him back to settle things out. I did so. I received a receipt and what appears like an official legal document that includes my old capital one account number and the amount Id settled for. However, the docu-sign drafts were addressed to a XXXX XXXX and the charge on my credit card was not to XXXXXXXX XXXX XXXX  instead bookkeeping accounting. Im very concerned about the information I provided this person, the amount of information the person had about me, the fact that my credit cards flagged the charges for fraud, and the attempted debt collection through wage garnishment without documentation provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is 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 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

6. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XXXX I went inside my home B.O.A. branch to withdraw $ XXXX from my demand checking account ( {$130000.00} balance for months ). The branch Manager approached me in line and asked what I needed. I explained I was there to withdraw cash from a Platinum Honors account. 

When I got to the teller, she told me she didn't think the bank had that much cash, but had to check with management. the Teller spoke to the Assistant V.P., XXXX XXXX, and they both came and told me they did not have that much cash to give me and I should have 'called ahead '. There was NO alternative options given ( we can give you $ XXXX today, or check this branch ). It was simply 'you didn't call ahead and we don't have that much cash '. At that time, before exiting the branch, I told Mr. XXXX if I had to come back, I would close my account. They had plenty of time to give me options. 

I immediately went to one of my other financial institutions and withdrew $ XXXX with no problem. On XXXX I went back to B.O.A. to close the account. I filed a formal complaint with the bank. They acknowledged receipt of my correspondence and said it was escaladed to management. I do not anticipate hearing back from the bank as I am no longer their customer. I should have not have had any issues accessing funds from a demand account.

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 2021-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR

Complaint narrative:
We are in the process of procuring a VA refi loan for our primary residence. We originally chose PennyMac to handle the loan. In the process, and after spending a fair amount of money, PennyMac said we needed Flood Insurance. We challenged this and to no avail. We checked out other lenders and all have found out the our residence is considered X500, meaning no flood insurance is required. We approached PennyMac about this with documentation and they still refused to remove this stipulation. At this point we chose another financial institution, XXXXXXXX XXXX XXXX XXXXXXXX in XXXX XXXX AR. They have been great to work with especially XXXX XXXX, VP for lending. The one document he needs to move forward is the appraisal, which I paid for. PennyMac has to release this appraisal to the VA for reassignment to XXXXXXXX XXXX. They are severly dragging their feet on this issue to the point that we might not meet the time period for our interest rate. I have contacted PennyMac by phone, email and text directly to : XXXX XXXX XXXX Loan Officer NMLS # XXXX Phone : ( XXXX ) XXXX Ext. XXXX Fax : ( XXXX ) XXXX XXXX We are given a multitude of excuses as to why it hasn't been done. XXXXXXXX XXXX has also contacte

d PennyMac, but to no avail. We paid for this appraisal and feel that it is within our rights to chose the lender we chose and to have full cooperation from PennyMac to help us move forward with this new l
ender. 

Thank you for your attention to this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AR XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter about inaccurate and false reporting items on my credit report on XX/XX/2021. It has been over 60 days an I haven't received a response to date. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611A clearly states that a failure to completely investigate these items within 30 days constitutes immediate removal. It has been over 45 days, and I am requesting these items be removed from my credit report immediately. I am prepared to file for litigation do to the XXXX  you have caused me over this situation. In addition, my information was impacted by the Equifax data breach and may have gotten into the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Porania, LLC
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. XXXX XXXX XXXX Account Number : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I submitted a balance transfer with Citi cards on XX/XX/XXXX, after clarifying the terms with a representative that I would need to pay off all other purchases except the balance transfer amount to avoid interest. I paid {$160.00} to do this balance transfer. 

I have just received my XXXX bill where I was charged interest of {$76.00} and I am now being told that I would need to pay off the entire balance transfer as well to avoid interest. I would not have done the balance transfer if I knew these were the terms.

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 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I scheduled a billpay back in XXXX for XX/XX/XXXX remittance from my Ally Bank Checking account for the amount {$1700.00} to be sent to my mortgage company XXXX XXXX. I am now told that on XX/XX/XXXX Bill Pay system attempted to make payment electronically but was denied as I was not in XXXX XXXX 's system yet ( loan account undergoing service transfer ) and they couldn't recognize my account number so the funds were returned. Ally Bank Bill Pay has held the funds now and refusing to return it to me. I am now at a loss of {$1700.00}. I filed dispute with Ally Bank to reclaim my funds and they refuse to resolve my dispute or return my funds. I need my money back in my checking account so I can complete my Mortgage payment before XX/XX/XXXX when my payment is due. Ally Bank is totally irresponsible and unreasonable to allow billpay to hold my funds in limbo and not sending to merchant or returning funds back to me. This is totally irresponsible and unethical practice ( probably illegal too ) by Bill Pay enjoying interest by holding my money.

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 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I refinanced my Bank of America Home Loan with a new lender called XXXX, the new loan funded on XX/XX/XXXX. I had an escrow/impound account with BofA and was informed i would receive the funds within twenty days of loan being paid off which is in compliance with Ohio state law. 
Unfortunately, the funds were not delivered within the legal time frame. I called BofA on many occasions requesting the funds and was given excuse, after excuse as to why the funds haven't been released. 
The total amount to be refunded was {$3500.00}. After many calls, escalations, etc. i finally received {$3200.00} on XX/XX/XXXX. 
The funds received were short {$380.00}. I've escalated this matter with multiple supervisors, escrow specialists and have been left in the dark for weeks. I finally received the remaining balance of {$380.00} on 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 monetary relief
Consumer complaint received 2021-08-11 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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
Their is a loan from GM Financial that was closed in XX/XX/XXXX, and there was a late payment made in XX/XX/XXXX. XXXX  and XXXX are showing the accurate information, but on my XXXX report it shows the account was closed XX/XX/XXXX, a late payment in XXXX of XXXX, and then it shows payment history 'OK ' all the way to XX/XX/XXXX with another reported late payment. They continue to update the account at XXXX, and will not removed any of the data after XX/XX/XXXX ( when the loan closed ), so it is showing that I have a late payment on the account a year after it was closed and paid in full. I have asked GM to fix it but they state they are reporting correctly ( this is why the other two CBs are showing accurate information ), but XXXX  continues to tell me its correct and they do nothing to fix it even though it clearly shows the account was closed - paid in full in XX/XX/XXXX. So now it looks like I had a late payment in XX/XX/XXXX on that account and only on my XXXX report. This prevented me from getting a home loan, and I am not sure who else to go to have this fixed. They are clearly violating FCRA rules and they do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : CONVERGENT OUTSOURCING-XXXX-Balance {$1200.00} CONVERGENT OUTSOURCING, INC.-Balance $ XXXXDate Opened : XX/XX/2020 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