vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Opened an online checking account with TDBank on XX/XX/2021. Several emails were sent to me confirming the opening of the account. TDBank accepted my opening deposit of {$50.00} on XX/XX/2021, and a partial paycheck deposit of {$680.00} on XX/XX/2021. I was then unable to log into the account. Per TDBank, the account was " frozen '' by fraud department, but I received no email notifications of this, despite receiving 9 TDBank Alert emails between XX/XX/2021 andXX/XX/2021. The deposits were still accepted despite a " frozen '' account. I made multiple attempts to contact the fraud department to discuss, and several times, my call would be " dropped '' after a long wait. TDBank is requiring me to visit the bank in person to unfreeze the account. The branches are all a two hour roundtrip drive ( which I did not consider at the time of opening as modern banks do not require in-person trips, especially during a pandemic ), and I am unable to travel there due to work commitments. TDBank refuses to transfer the money out, refuses to allow alternative means of identity verification ( video, online, documents, etc. ), and will not give me a timeline for which the account will remain open. I anticipate TDBank will close the account and refuse to return my $ 700+, and the company was unable to say whether or not that would happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX I purchased two XXXX Watches from Best Buy for XXXX presents. I ended up not giving the watches as gifts. On XXXX XXXX through the BestBest.com I initiated the return of the two watches. Best Buy provided the shipping labels. I elected to return the watches by dropping off at a local XXXX Store. Under Covid-19 terms I am considered XXXX XXXX. I did not want to visit a Best Buy store and stand in line to make the returns. On XXXX XXXX I visited XXXX Store and dropped off the two watches. The watches had to be returned by XX/XX/XXXX. On XX/XX/XXXX, l spoke to XXXX at Best Buy and was told I would see a credit on the XXXX statement. After the XXXX statement was posted it did not show any credit for the returns. On XX/XX/XXXX I opened a dispute with Best Buy Credit Services. Best Buy Credit Services denied the dispute and said I was responsible for the charges. I then resubmitted on XX/XX/XXXX my dispute by sending by Certified Mail a document containing fourteen pages of proof. I have not received any further communications from Best Buy Credit Services.

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 2021-05-11 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: LoanCare, LLC
State: TX

Complaint narrative:
I entered into a Forbearance Plan with LoanCare , LLC, effective XX/XX/XXXX through XX/XX/XXXX. The agreement states, " If your loan was current at the time of entering into this Forbearance Plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current. If, however, your loan was delinquent prior to entering into the Forbearance Plan, we will maintain that delinquency status during the term of the Forbearance Plan. If you are able to bring the loan current during the Forbearance Plan, we will report the account as current. '' When I entered the plan, the account was not delinquent. I made the XX/XX/XXXX payment on XX/XX/XXXX ( which was 29 days late, but not yet 30 days late ). A late charge was assessed to my account on XX/XX/XXXX, as the payment was not received between XX/XX/XXXX and XX/XX/XXXX. Therefore, I entered into the Forbearance Plan with my account in good standing. I continued to make payments while under the Forbearance Plan in both XXXX and XX/XX/XXXX ( on XX/XX/XXXX and XX/XX/XXXX respectively ). I did not make payments in XXXX, XXXX, or XXXX of XXXX ( as allowed under the Forbearance Plan ) and according to the rules of the Forbearance Plan, these missed payments are not to be reported to the credit reporting agencies. I completed the sale of the property for which this mortgage was secured on XX/XX/XXXX. LoanCare , LLC received the total payoff of the loan including the outstanding balance, the missed payments for XXXX of XXXX, and all the late charges due on the account. This payment was made within the Forbearance Plan term, and according to the rules of the Forbearance Plan, bought the account current and requires LoanCare to report the account as current to the credit reporting agencies. 
In fact, LoanCare issued a {$220.00} refund check back to me on XX/XX/XXXX due to overpayment of escrow on this account. However, in violation of the terms of the Forbearance Plan and the federal CARES Act, LoanCare , LLC reported this account as paid, but 90 days late to XXXX. I demand that LoanCare , LLC correct this information immediately, as this account was paid in full during, and according to the terms of the Forbearance Plan. This is a malicious attempt on behalf of this company to harm me personally as a consumer and violates my rights under the Consumer Financial Protection Act. I have attached documentation supporting my account above, to validate the veracity of my claim.

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 2021-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
On today, XX/XX/2021, I had two transactions taken out of my account, sent from cash app to an anonymous. The two transactions were for {$150.00} and an additional {$50.00}. I have already contacted my bank, I have to wait til the charges arent pending so I can start the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent several letters to the credit agency about this matter. There are two bankruptcies that are reporting on my credit report in error. The credit agency stated the information has been verified. I have reached out to XXXX and XXXX both and the information is an error I will attach a copy of supporting documents to this complaint. The last letter was sent on XX/XX/2021 to have these two errors resolved and removed from my credit report. It is not okay to run the letters through their e-Oscar system and not actually reach out to the appropriate parties to solve the problem. This has been such a devastating problem that has caused me so many problems. I would like this problem to be resolved immediately and be reflected on my credit record that they have for me. Thank you in advance for your time and understanding.

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 2021-05-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent several letters to Equifax about two bankruptcies that are reporting on my credit file in error. The last letter that I sent was XX/XX/2021. I have already contacted XXXX and XXXX about these errors. XXXX also did an investigation and contacted XXXX  and removed these errors that was placed on my file. Equifax is stating that they verified the information from XXXX and XXXX states that is incorrect information because they have not verified any information with Equifax. I will attach supporting documentation to my complaint. I would like these errors to be removed from my credit file that Equifax have for me immediately because it has damaged my credit profile and caused me trauma due to the incorrect and inaccurate information reporting on my file. I appreciate your prompt attention in this matter thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Again ... .Wells Fargo is failing to address why a fraudulent signature is acceptable at their bank. They claimed a delivery receipt was provided to them ... which is true ... but it was fraudulent ... and did not contain my signature, which has been verified NOT to be mine by a Wells Fargo manager. 
I want to know why it was accepted? This has not been addressed in any of your so called letters or your THOROUGH investigation. I will keep filing complaints until this question is answered : " Why is fraud acceptable at Wells Fargo? ''

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 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
I received a notice that a loan was taken out at Eagle Loan company on XX/XX/2018 in my name in XXXX, Ohio. The Place is listed as Eagle Loan Company XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX. 
The problem is I have never heard of this place or been to any of their locations. 
The signature is not mine. I have not received any notice that a loan for $ XXXX was taken out in my name at any time. 
MY parents have taught me to NEVER go to these places as they are rip off loans. 
If I need money, I can always borrow off my parents. My parents are most helpful. 
This is the 2nd case that my name has been used that I am recently aware of. this appears to be a case of Identity theft. The first case was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: FL

Complaint narrative:
I attended a workshop and applied for a NACA mortgage. I completed my application and they took my money, but I have not been able to get a hold of a single person at any point in time during this process. 
I have called, their phone doesn't even ring through. You get the initial answering system and then it hangs up no matter how many extensions you try. I have emailed, with no response. This has been going on for MONTHS! 

They took my money and ignored me. They are supposed to let you know if your application has been denied by 60 days after applying. 

This company is fraudulent and misleading and a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are a couple of accounts on my credit report that I do not recognize. I also have a bunch of inquiries that I did not authorize. There are 2 addresses I have never lived at. Please remove them immediately.

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have an account which I previously disputed and I got no response on the issue it is marked not paid and or charged off which is not true see letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Access Capital Services, Inc.
State: CA

Complaint narrative:
This was already settled and made payments towards it. Thai shouldnt be on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have previous disputed the un authorized inquiries and an account that is not charged off or ever late

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 2021-05-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 15 U.S code 1681n Infamis of pulls XXXX Account Number : XXXX 2. 15 U.S code 1681n Infamis of pulls XXXX XXXXXXXX Account Number : XXXX 3. 15 U.S code 1681n Infamis of pulls XXXX Account Number : XXXX 4. 15 U.S code 1681n Infamis of pulls XXXX XXXX Account Number : XXXX 5. 15 U.S code 1681n Infamis of pulls XXXX XXXX. 
Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
Threatened and called my family members, threatened arrest/warrant, threatened to call my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I the consumer have contacted SANTANDER CONSUMER USA several times in regards to violations to my consumer reports requesting validation of listed account on consumer reports. I have yet to receive a response in regard to listed account. I have attached copies of letters sent requesting validation. Account does not belong to consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I refinanced my loan with Loan Depot in XXXX, XXXX. A Loan Number ending in XXXX was assigned to my account when I closed the loan. Right away, I set up an auto payment from my XXXX XXXX Account to Loan Depot with the original account number ending XXXX. These payments were scheduled to be made by XXXX XXXX over 5 days in advance of the 1st and well before the late date of the XXXX of the following month. The loan payments were made time, and accepted and credited to my account ending XXXX by Loan Depot until XXXX, XXXX. 

For some reason, and without notice to me, Loan Depot changed my account number to a new number ending XXXX even though Loan Depot continues to service my loan. 
In XXXX and XXXX, XXXX, XXXX XXXX continued to pay, timely, the payments to Loan Depot under the old Loan Number ending XXXX. 

Instead of transferring the payment to the new Loan Account number or crediting my account or even contacting me, my timely payments were returned ( after the payment due date and late date for XXXX and XXXX, XXXX. 

I was unaware the payments had been returned. I had set up the auto payments so that I could travel out of state to care for my son who had been in a serious accident and needed hospitalization in XXXX. I did not return home late XXXX to find a late notice from Loan Depot. 

I immediately contacted XXXX XXXX and determined that the payments had been made on time. I then contacted Loan Depot, made a payment over the phone for XXXX and XXXX and asked the Loan Depot representative to investigate what had happened on their end. Loan Depot 's representative acknowledged they had received the payments on time but returned them because they did not have the right account number. Loan Depot then waived the two months ' late charges acknowledging that the payments had been received but returned. I also asked and was informed that they had not reported my loan - " late '' to any credit reporting agency. 

As a matter of fact, the statement was false. The credit bureaus have reflected that my payment was late. This false statement has resulted in a derogatory mark and materially impacted my credit score, and my mother 's credit score ( she is a co-borrower ). After I discovered this, I called Loan Depot and requested they correct the report. This time they refused and insisted I write to their customer service department. I did write and a few weeks later, I was told that they had denied my request - that my payments were late. 

There was no reason for changing my account number and while I did everything to ensure my payments were made on time, this action on Loan Depot 's part, changing my account number and refusal to accept a timely payment has caused serious damage to my credit and to my mother 's. 

I request that Loan Depot take action to correct their false report of my mother 's and my payment history to the credit reporting agency - report my payments as " on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX please delete any other version of my name.I had an issue with my information being compromised and my personal identifiers were being used without my permission and without my knowledge. I was contacted by my bank concerning unusual charges and transactions. I have resolved most of the charges, and now I am dealing with addresses and correcting my personal data. My current and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX. Please delete any other address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 
I do not have any of these phone numbers please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My accurate DOB is XXXX. My SS # XXXX. 
I have found several Inquires that do not belong on my file that I demad to see proof of these unauthorized inquires please delete : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation