vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
TDBank 's loan servicing process and supporting systems are inadequate. My spouse and I regularly make additional principal payments on our mortgage, which is allowed with no penalty for our mortgage type. TDBank 's IT systems do not allow one to pay down additional principal online. Every month, we must instead follow a two-step process : 1 ) Submit the extra principal payment through the company 's separate 'payments site ' ( as extra principal payments can not be completed through the regular Online Banking website which we log into to view our account ). This money is then routed to an " unallocated account. '' 2 ) Follow up with a phone call to TDBank 's customer service to request the unalllocated amount to be applied to pay down principal on our mortgage. 

This cumbersome two-step process can take up to 2 hours per one extra principal payment. For example, I called in on XXXX at XXXX and was on hold for 1 hour and 15 minutes to speak with someone to allocate a principal payment I made that day. I finally reached the agent, only to be told the payment hadn't settled yet and so they could not allocate my payment to principal yet. We make extra principal payments at least one time in every month, so you can do the math on how many hours it would take to make ~360 extra principal payments over the course of a 30-year mortgage.

Every other bank in the U.S. we have had a mortgage with has had an option to pay down extra principal on their regular Online Banking platform. The fact that TDBank does not offer this through Online Banking appears to be an intentional attempt to make it difficult for customers to pay down extra principal in order to boost TDBank 's bottom line ( i.e. because they are not earning interest on Prepayments ). It is a known issue at the organization, as every customer service agent I have spoken to each month apologetically explains that I need to call in each month to have them allocate my extra principal payment, and that there is no streamlined process to be able to do this more efficiently considering it will be a regular occurrence. We also requested the ability to pay bi-weekly, and were told no. 

We initiated our mortgage with a different bank, and our mortgage was subsequently sold to TD Bank. TD Bank 's loan servicing is so unacceptable that my spouse and I are considering refinancing at a new bank just to be able to pay down our mortgage at our own schedule and convenience. We know that refinancing would result in extra costs incurred for the transaction, but we do not have time to spare to battle TD Bank 's intentionally cumbersome process every month until our mortgage is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been trying to get my credit report updated for MONTHS. I have made several calls to XXXX, Experian, I have emailed, I have snail mailed and filed several claim disputes. 

When you look at my credit report from Experian, it is NOT showing the correct amount of my loan that has been paid off. I contacted XXXX about 8 times now asking them to please send Experian the correct amount of my loans that have been paid. After contacting the Better Business Bureau I was put in contact with XXXX XXXX of XXXX who after 2 months has not corrected the information. 

I am attached my latest email where I contacted by Navient AND Experian at the same time showing in plain XXXX and visually exactly what is incorrect. XXXX Experian 's membership department told me to contact customer service. When I called before Customer Service told me to contact the dispute department who told me to contact the Membership Department.

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 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
XXXX ENHANCED RECOVERY COMPANY placed a derogatory mark on my credit file without notifying me about this first to me. 

I have tried asking XXXX to give me the original dates this was incurred, which is outside the statue of limitations, but they refuse to give me proof. All they do is send me a copy of an invoice. My contract with XXXX ended in XXXX. I was prepaying for services since then, and switched to XXXX XXXX early XXXX. Again, I have asked for proof of when this became delinquent and all they do is send me copy of a bill. 

Now ENHANCE RECOVERY PLACED a negative mark on my credit file this past month without me knowing and it resulted on my score decreasing 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2020-08-10 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2020-08-10 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: VA

Complaint narrative:
I have already tried to resolve this issue with the companies. I am trying to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: VA

Complaint narrative:
I have already tried to resolve this issue with the companies. I am trying to get this matter resolved.

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 2020-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Nissan sent me a check for {$100.00} and it bounced in my bank account.They put a stop payment on the check and I was never notified not to cash the check.So this put my bank account in negative status.Two checks were sent out both bounced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Im trying to use the XXXX app on my phone and it will not link my PNC account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: FL

Complaint narrative:
The Credit Bureaus are reporting a my accounts as charge offs when they are not. By there definition a charge off is when an account is 6 months late/ delinquent. But I never had a late payment. I never defaulted on my payment. The credit bureaus refuse to fix this issue.

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 2020-08-10 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: CT

Complaint narrative:
A goodwill letter was sent to XXXX XXXX and my credit report was update a couple days after reporting on-time payments. However, the credit bureaus retracted this after a month and reinstated the late payments that have been resolved between myself and 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 2020-08-10 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: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
My leased vehicle was turned in early. I contacted Kia to find out my balance, how to pay it, and when it was due. They told me they were unable to provide information on the remaining balance until the vehicle was sold. I contacted them again several weeks later and was told the same thing. A third time in contacting Kia I was informed the vehicle was sold, however it would be an additional few weeks until it was processed. After several more weeks of no letters, no phone calls, or no contact from the company I called again. I was told it was still being processed and that someone would get back to me. I called again several weeks after that and was told there was an issue with my account and that it was showing my account had not been closed. She said she would figure it out and call me back the following day but I didn't hear from anyone. I am in the process of purchasing a home and my credit report was ran. It showed my vehicle had been repossessed and it was negatively affecting my credit score over 70 points. I called again today to find out more information about my account. I was transferred to their recovery team. They said my account was still open and that it should not be affecting my credit score because a final balance is not yet available. They said they were unable to provide me with more information at this time. I have never missed a payment on anything in my life. Not providing information on amounts due and how to pay them is unacceptable, especially when it is negatively affecting my credit and keeping me from purchasing a home. I have made multiple attempts at trying to fix this issue with no success.

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 2020-08-10 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: GA

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$3500.00} XXXX XXXX {$2000.00} XXXX   XXXX {$4000.00} XXXX XXXX {$85000.00} XXXX XXXX {$5500.00} NAVIENT XXXX {$4000.00} XXXX XXXX {$430.00} XXXX XXXX {$23000.00} XXXX   XXXX {$3500.00} XXXX XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX   XXXX {$2000.00} XXXX XXXX {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
What happened? 
I am in very bad financial shape stemming from a very bad employment situation I suffered, and am still suffering at the hands of my ex- employer XXXX  that left me in financial ruin, and now I have Midland Credit Management trying to further ruin me with there aggressive collection tactics and complete disregard for the XXXX, XXXX, and XXXX toll I am enduring. The nature of my complaint involved a very aggressive debt collector named " midland credit management '' whom bought two accounts, for the purpose of this compliant it will be specifically about my XXXX account. However a second complaint will be filed with regards to my other account with them. In 2017 I started working with a local automotive parts manufacture here in town called XXXX while I was enrolled in college full time. This job really left me in financial ruin, as slowly my wages were not being paid to me. Sadly, the fact that I was left without wages and the owner would string me along and promise to pay me " next week, next month '' etc, I continued to work without pay expecting to eventually receive my wages. Because I was not getting paid, my credit cards and other bills went into default. One of those is this debt XXXX XXXX bought from XXXX. I have been engaged in a 2 year legal battle with XXXX and it's owners. I have a case with the California Department of Labor and have had multiple hearings and a trial where I was awarded by the court my past due wages. I have attached the court declarations and the complaint against XXXX, so you can read first hand the nightmare I've been through. I even lost my dear Dog because I was unable to pay his continued veterinary treatment. However this judgement awarding me my past due wages has been impossible to collect, and even though I have a court order for XXXX to pay me, I have not received any monies and the situation looks extremely unlikely I will see a XXXX out of this due to the company being now investigated by the Local District Attorney 's office, and they have an F rating on the XXXX so they have zero chance of actually getting new clients. I am attaching the proof of the D.A investigation and a copy of the XXXX profile so you can see. I have implored midland to really help me with this, but instead they just transfer me to there " legal department '' like i'm supposed to be some kind of criminal. I hope once they see the proof of my terrible situation they will be more willing to work with me. I do not appreciate them making legal threats against me, when I'm simply just trying to resolve my account. they are impossible to negotiate with and I just hope these facts helps them help me pay this off at a reduced amount, and stop threatening me with legal action when I am not refusing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: CT

Complaint narrative:
A goodwill letter was sent to XXXX XXXX and my credit report was update a couple days after reporting on-time payments. However, the credit bureaus retracted this after a month and reinstated the late payments that have been resolved between myself and 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 2020-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I KEEP GETTING CALLS FROM KINGS CREDIT SERVICE ABOUT AN ACCOUNT THEY CLAIM IS MINE. I'M TIRED OF THEM HARRASING ME EVERYDAY, SEVERAL TIMES FOR AN ACCOUNT THAT IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a dispute to Transunion for the credit XXXX  on my credit report. Their report that states that this creditor account was included in a bankruptcy. Also that this account wads closed on XX/XX/2014. 
Both of these are incorrect according to the attached letter from the creditor XXXX. Their records indicate that this account was charged off on XX/XX/2014. It was settled in a bankruptcy. This information has been reported incorrectly for 6 years!

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 2020-08-10 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: CA

Complaint narrative:
I am a victim of identity theft, applications were submitted in my name and my identity have been used without my consent to fraudulently obtain goods and services. 
I have three fraudulent accounts on my credit and i did submit a ftc report to them and they blocked the fraudulent accounts, but after a month the collection companies and one of the banks unblocked the accounts with false information submitted to the three major credit bureaus, please direct all three major credit bureaus to block and delete all three fraudulent accounts listed below. 
1. XXXX XXXX account number XXXX, account was opened fraudulently on XXXX, total amount of fraudulent balance is {$5400.00}. 
2. XXXX XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$5900.00}. 
3. XXXX XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$36000.00}.

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 2020-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
I was not provided any information about this debt prior to account ( s ) being placed on my credit report and I did not have the opportunity to dispute. 

Please provide Validation of debt, Method of Validation and Assignment of Debt for these accounts as they are not mine. 

FIDELITY PROPERTIES IN : # XXXX # XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
On or about XX/XX/2020 I tried to open a checking account at XXXX XXXXXXXX XXXX. This request was denied and a few days later I was told they base their decision on information obtained from Early Warning Services. I looked them up on the internet, completed the request for a consumer report and uploaded the request to their website per the website instructions. This was completed on XX/XX/2020. After repeated emails asking them for the status of the request I have not received a response and have not received the report. They were supposed to send the report within 15 days as required by the FCRA. It has now been almost 45 days.

Company response to consumer: Closed with explanation