vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to XXXX or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. 
NORDSTROM/TD BANK ***** Opened XX/XX/2014 Balance {$610.00} NORDSTROM/TD BANK XXXX XXXX XXXX XX/XX/2014 Balance {$610.00} NORDSTM/TD ***** Opened XX/XX/2014 Balance {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I XXXX XXXX did not sign any contract with Portfolio Recovery XXXX  and this is fraud. I am the affiant and consumer and I know the this is an alleged debt pursuant to 18 U.S. Code 8 - All debts obligations of the U.S. and its corporations, and the instrument with my signature was the payment for the alleged debt.

Notice that it is a fact that the affiant has reason to think and does believe that Portfolio Recovery Associates XXXX is a debt collector as defined in 15 U.S.Code 1692a ( 6  ), which includes any creditor who, in the course of collecting his own debts, uses any name other than his own, as shown in Exhibit ( A ), which would indicate that a third party is collecting or attempting to collect such debts by buying, selling, or moving products, services, or money across state borders, or by using interstate commerce or the mails in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, or who regularly collects or attempts to collect debts owed or due or asserted. 
Notice, it is a fact, that, I, agent for principal XXXX XXXX am aware that Portfolio Recovery Associates XXXX is a debt collector by the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails, in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. See Exhibit ( A ) Notice that I, as agent for principal XXXX XXXX, am aware that Portfolio Recovery Associates XXXX is a " debt collector '' as defined by the law. A debt collector is defined as anyone who uses an interstate commerce instrument, such as the mails, in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, according to 15 U.S.Code 1692 ( a ) ( XXXX ). Check out the exhibit ( A ) It is a truth, and the affiant is aware of it, that you can not practice law and collect a debt at the same time without being a debt collector. This is a breach of 15 USC 1692e ( XXXX ), and I, the affiant, do not wish to talk with this third party because they were not involved in the initial transaction, and I do not consent to this third party being involved in my affairs. This third party 's testimony or representation would and will be regarded hearsay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
This complaint is against American Honda Finance Corporation. This company has been unfair and negligent. 

Ive leased numerous leases with Honda for my company. When I turned in my last lease in XXXX, the finance manager told me that auto pay would be setup on my new Honda as well. I didnt think much of making payment arrangements after that. 

Since this is a company car, my company account was handed the contract and they were responsible to make the payments. They received no notices and did not have the presence of mind to follow up with Honda. 

Attached is a letter from the accountant stating he was responsible for making the payments on behalf of the company. Due to this, I am requesting that Honda to remove the XXXX late payment from the credit report and send the notice to all credit bureaus. 

Account information : XXXX  XXXX, ac # XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fidelity National Financial, Inc
State: TX

Complaint narrative:
I sent a wire transfer over on XX/XX/XXXX to Chicago title  to purchase a house. XXXX XXXX the real estate agent and she works for XXXX XXXX. XX/XX/XXXX ( day before ) I ( Me ) purchase a cashier 's check & XX/XX/XXXX XXXX said the title company was in XXXX. Everywhere in XXXX aren't they the same company. Yes but Chicago title XXXX is different. XXXX would have to mail it like she did the {$10000.00} down payment I gave her in a cashier 's check for the deposit. If I would have been given more notice I could have hand delivered it myself to XXXX by just taking a 30-minute flight. From XXXX XXXX XXXX round trip XXXX XXXX. Cashier 's check was for {$410000.00} I can't afford to lose that so I went back to my bank ( XXXX XXXX ) deposited the money and then wire transferred the money directly to Chicago title for {$410000.00} in the midst of all this confusion I was at the bank. I met up with XXXX at house XXXX XXXX XXXX ( I found out later onshe 's not a broker she lied. ) I've been swindled out of everything.To make a long short the house was sold on XX/XX/XXXX of XXXX for {$350000.00}. I called the police I try to reach out I don't know what else I could have done XXXX has financially drained my bank account I don't even have the finances to provide for my family with on top of it moving I've tried to question I've tried calling XXXX XXXX but the house in someone's name XXXX XXXX XXXX XXXX. I filed a police report XXXX with XXXX XXXX ( wire fraud ) XXXX XXXX won't let me dispute a charge. Or let me have access to that account. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about 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 inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX Date XXXX inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC ( Original XXXX XXXX XXXX XXXX ) : has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts. 


605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/25 XXXX, XXXX, XXXX Thief got access to my account through unlocked phone and unlocked capital one app account and XXXX  herself these amounts. I reported the transactions the same day. Capital one refused to refund these amounts to my bank account and now I am left without this money. I have been with them for years and have never had to file a fraud claim until that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have attempted to dispute the inaccuracies such as balance and account number, and dates reporting on my credit file with NCA ( National Credit Adjusters ) and XXXX XXXX. They have failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated, as it has been approximately 90 days since the first dispute was submitted. They negligently and willfully violated the FCRA and FDCPA by failing to properly investigate the dispute or review the letters that were submitted. The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Morgan Chase reported the final mortgage payment from a new refinance company was delivered one day late ( XX/XX/XXXX ). I have attempted to resolve this multiple times directly with Chase XXXX XXXX since XXXX. Chase has continued be deceptive and uncooperative I recently consulted with the XXXX XXXX XXXXe XXXX XXXX XXXX for documentation which it turns out Chase had in their procession but did not acknowledge. 

The documentation I received from XXXX XXXX was provided by myself to Chase XXXX XXXX on XX/XX/XXXX. Chase XXXX XXXX number XXXX XXXX. XXXX XXXX and XXXX XXXX of Chase were assigned to respond but phone calls confirm they will not correct the error. 

Documentation attached is as follows : Attachment A - Chase Home Mortgage Instructions to Loan Depot stating pay-off to be received by XX/XX/XXXX and would be considered " on time. '' Attachment B - Loan Depot correspondence delivering the payment to Chase Home Mortgage as a disbursement on or before XXXX  XX/XX/XXXX. XXXX XXXX confirmation that the refinancing was closed on XX/XX/XXXX. Chase simply did not process the payment into their records until the following XXXX XX/XX/XXXX continues to punish the consumer by including internal processing time in their credit reporting automated systems. This violates FCRA regulations and ignores actual written documentary evidence provided. 

Chase was in procession of this documentation during previous complaints including the following CFPB Cases XXXX, XXXX, XXXX, XXXX, XXXX but hid or ignored the information and continues to refuse to correct the record. See Attachment C summary. 

Further, during my last attempt to ask Chase XXXX XXXX to resolve this mistake, an apparent retaliation was purposely or inadvertently done by Chase. Another later report against this account, closed over 5 years prior in XXXX filed with the credit bureaus by Chase, likely in response to CFPB report XXXX I filed on XX/XX/XXXX. Reference Attachment D. This error was corrected but Chase did not acknowledge its responsibility as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Compass Recovery Group, LLC
State: NY

Complaint narrative:
My ex girlfriend and her family have been constantly getting calls and voicemails from this debt collector. On XX/XX/XXXX he used my ex girlfriend information through social media and called her mother who lives in another state and told her about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting in my 3 Credit Bureaus. The account was placed as a charge off account and has and indicating balance in the statement. There is no payment history that shows a month and year that the account made a late payment. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
TD BANK USA/TARGET CREDIT C XXXX XXXX XX/XX/2016 Balance {$590.00} TD BANK USA/TARGETCRED XXXX XXXX XX/XX/2016 Balance {$590.00} TARGET/TD ***** Opened XX/XX/2016 Balance {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: NC

Complaint narrative:
I disputed inaccurate information on my credit report and asked that the company provide proof showing my wet signature to me. They have failed to show me that proof and the items are still reporting inaccurately on 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 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I want to lodge a complaint with JP Morgan Chase in regards to resolution of a fraud claim. I had my credit card information stolen and used by an unknown person on XX/XX/2021. I received alerts through my mobile chase app that there were 3 separate charges made to XXXX for {$100.00} each, totalling {$300.00}. I immediately locked my card and called Chase to resolve the issue. As I was on the phone with Chase, I was receiving email alerts that my card was still trying to be used but it was blocked since I locked it. I reported the three tranactions as fraud. After Chase 's fraud review, they determined that I am still liable for these charges. I provided a transaction history for my XXXX account to show all orders on my account from XX/XX/2021 until XX/XX/2021. All orders totaled about {$120.00} and were able to be connected to other transactions on the card which I said were fine. The bottom line is I used the bank 's alert system to personally monitor my card and transactions, I found instances of unauthorized transactions, I locked my card to prevent further transactions, I reported the fraud to Chase within 20 minutes of discovering the fraud to order a new card, the fraudster continued to try to use my card and Chase provided email alerts that the transactions were blocked, but they will not refund me for the {$300.00} and are holding me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: AES/PHEAA
State: TX

Complaint narrative:
Hello I never attended this place /college

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CENTENNIAL MORTGAGE CORP
State: IN

Complaint narrative:
First Centennial Mortgage claims that my loan was set up with an Escrow shortage from the get go. Initially I was informed that my homestead exemption was missing. I obtained the exemption from XXXX XXXX  and sent to First Centennial. I requested they perform a new escrow analysis. First Centennial is looking to raise my monthly payment by {$50.00} per month. They are also now not applying my payment correctly and are charging me late charges. Ultimately, they informed me that my homeowners insurance rate has gone up {$70.00} and that my taxes have gone up, this paired with the initial shortage make it that my monthly payment needs to go up. I have asked that they perform a re-analysis and send it to me. They claim they have, I have yet to receive it. I should not be charged late charges, nor should I have to pay and extra {$50.00} per month. I have reached out to my initial mortgage agent to. They have not been responsive either. I am being bullied into expanding my monthly payment and I should not have to. The numbers do not add up for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: SC

Complaint narrative:
We inherited this property and its mortgage when my father in law passed away. The mortgage holder, Selene Finance, stated that we could just continue to pay the mortgage. In or around XX/XX/XXXX, they offered us a forbearance package because we were behind due to Covid and desired to keep our family home. We completed all necessary documentation pertaining to this. We received notice that the forbearance had been approved and we signed ACH documentation granting permission for the payments to be automatically drafted from our checking account. NOT ONCE has Selene Finance drafted a payment from the account or offered reasoning as to why this was not done. Once we recognized that said payments were not being withdrawn from our account we began to mail them checks on the account. These were NOT posted to the account. We were not notified that they were NOT being posted to the account. After unsuccessfully attempting to contact them both via telephone and in writing, I finally got someone one the phone. I was initially told that the forbearance was missing signatures but XXXX ( representative whom I spoke with ) refused to tell me WHOSE signatures were missing! When I asked why we were NOT notified of this I was informed that they had sent notification to the estate attorney, who has already told them the estate has been settled and she is no longer on the case. Said attorney did NOT forward anything to us as she is no longer getting paid because the estate has been settled. I requested to speak with XXXX XXXX in the XXXX XXXX department because this is the signature on the letter sent to us. XXXX REFUSED to transfer me to XXXX XXXX. I essentially got NO WHERE with this representative. So, I called back and spoke with XXXX, yet another representative, who stated that we were in default and nothing could be done to help us. I asked him to transfer me to XXXX XXXX and was told that XXXX XXXX was at lunch but he would leave a message for him to call me. I have NOT received a call back from XXXX XXXX. Dealing with this company has been an utter nightmare since my father in law passed away in XXXX. Our desire is to KEEP our home! We have jumped through every whoop they have demanded and we are still be jerked around! They simply want our home! They do not do the things they state they will do such as automatically draft payments, post payments made on the account in a timely fashion, or work with their clientele. We NEED HELP IMMEDIATELY! ( You and Selene Finance have my consent to speak with my wife : XXXX XXXX, pertaining to this matter ).

Company response to consumer: Closed with explanation