vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 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: CA

Complaint narrative:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-12-01 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: Self Financial Inc.
State: MA

Complaint narrative:
This is really upsetting. My scores went down bigtime due to this inaccurate late report. If you will take a look at the report only 1 agency is reporting this as late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CA

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I recently obtained copies of my credit report and noticed inaccurate account reporting. An alleged debt is being furnished on my credit report which is a violation of 15 USC 1692 b ( 2 ), because it being furnished would mean that I owe the alleged debt but you are not authorized to claim I owe anything and this reporting on my credit report, this is also advertising to coerce payment which is illegal.

In addition, banks can not loan money or extend credit 15 USC 1692a, banks are borrowers and I am the original creditor. 15 USC 1602, defines the term " Credit card '' which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property.

I am the original creditor, 15 USC 1692 a ( 3 ) and am invoking my cease and desist rights, according to the Fair Debt Practices Act, 15 USC 1692a, there is no definition for the term '' loan ''. Also banks can not lend money, nor extend credit. A bank has no power to lend its credit to any person or corporation " Bowen v Needles Nat Bank, 94 F 925, 36 CCA 553, certiorari denied in 20, Ct 1024, 176 US 682,44 LED 637.

I am requesting Wayfair Inc to cease and desist all communications, payment be submitted to me for all violations per 15 USC 1692 k listed in the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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:
On XXXX I've sent Disputes for unknown and inaccurate accounts on my credit report over 30 days now but there's no response yet. I was a victim of Equifax Data Breach. I demand to deleted all the accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I paid my Walmart credit card off on XX/XX/2020, on XXXX, XXXX, I was charged interest fees on my paid in full balance of {$46.00}, Capital One refuses to reverse this charge. I would like the charge reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
My complaint is regarding the subordination process of TD Bank. 
They currently hold my home equity mortgage and they are in 2nd lien position to my mortgage. I am trying to refinancing my first mortgage but can not do so until the TD Bank loan # XXXX gets subordinated. This process is in the 8th week and my rate lock has expired. I don't know if it is going to take days, weeks or months to get the subordination. I call every day for the past 2 weeks ( i usually have to wait at least an hour ) to get through and they can't tell me how long. In addition, they give you an email address to write to but ignore you as well. I've sent at least 6-8 emails which goes nowhere. 

TD Bank is horrible to work with with regards to subordination. They have cost me a couple of thousands of dollars already and it i lose my rate, will lose tens of thousands of dollars ( I am not exaggerating ) I need help to get it done but they should be consequences on there poor services and possibly what it has cost me financially

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-01 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: PA

Complaint narrative:
Fraudulent account identity theft XXXX XXXX Open XX/XX/13 Amount XXXX While in coma XX/XX/2013 in hospital unknown person applied for credit card in my name who ever applied for this credit was assuming I was going to die an took advantage of my name social security number while under coma to receive benefits of this credit card while counting my life out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Voss & Klein, LLC
State: CA

Complaint narrative:
I received a collection letter from Voss and Klein. After disputing a false collection claim in writing and sending it certified mail, the reported debt was sent to collections prior to receiving a response by Voss and Klein. This is obviously a scare tactic intended to prompt you into paying a debt that isn't yours just to make them go away. I posted a negative review of Voss and Klein because they violated the Fair Debt Consumer Protection Act by not responding to my dispute ( sent within 1 week of receiving the letter ) and negatively affecting my credit. I posted a negative review of Voss and Klein as is my right as a consumer dealing with this company. The company retaliated against my business that evening by posting a negative review of my medical practice. The post was made by the CEO of Voss and Klein, XXXX XXXX XXXX from XXXX XXXX, Florida ). Retaliation and unethical malicious attacks on a business is illegal. They are in direct violation of the Fair Debt Consumer Protection Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Bank / Mortgage : Sun Trust now Truist ( after merger with original holder BB & T ) Client : XXXX XXXX XXXX Property : XXXX XXXX XXXX, XXXX NY XXXX Loan # : XXXX Subject : Conversion from non-escrow to escrow For over 12 months, I was notified in writing by both BB & T then SunTrust/Truist that if taxes were not paid then the mortgage company would automatically create an escrow, pay taxes and re-establish a new payment plan. 

I have been inquiring with SunTrust/Truist about this action item for an extended period of time. On every call, a Client Services rep would reiterate the process and tell me it would be put into motion. On multiple occasions, I was provided dates on when the Escrow Department would take action. Nothing ever happened. I also asked who I should direct the money that I saved for taxes. Every time, a SunTrust Client Services rep would tell me to hold payment to the municipality and wait to pay them when the escrow was established. As of today, XX/XX/2020, minimal action has been taken and we are now at risk of losing the house to public auction. 

Sun Trust/ Truist turned a simple request into a convoluted mess. Aside from being a victim to their poorly executed process, I am now pleading with the local municipality on how to keep my home. I'm asking for CFPB to intervene and help expedite the escrow process. The goal is to keep my home and not displace my family. 

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 non-monetary relief
Consumer complaint received 2020-12-01 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: HSBC NORTH AMERICA HOLDINGS INC.
State: OK

Complaint narrative:
The following describes phone payments I made. I paid {$100.00} XX/XX/XXXX toward XXXX bill. I paid {$100.00} XX/XX/XXXX toward XXXX bill and then paid {$100.00} XX/XX/XXXX toward XXXX bill. Paid {$100.00} XX/XX/XXXX toward XXXX bill. When I got my XXXX bill in the mail it had late payment fee of {$17.00} because apparently I paid XXXX payment too early which was apparently applied to XXXX ( as a 2nd pmt ) and then paid XXXX payment ( pd XX/XX/XXXX ) which was applied to XXXX but considered late. I called the company to ask why and they said I had not made a payment during the billing cycle. I told them their system didn't ask anything about how to apply the payment or to which cycle so I wasn't given an option. They chose to apply it that way and then charged me a fee. They should have asked which billing cycle to apply the payment. Had I known how they were going to apply the payment, I would have made a different choice on when to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I disputed a transaction for {$670.00} for website services i ordered because merchant did not deliver the finished project and i cancelled the project. Vendor claimed that they delivered the project and they finished it. I placed the order on XX/XX/2020. i tried to cancel it a week after that but merchant promised me that they will deliver a very nice website and come to find out later that they do not create a website, they only do copy and paste and it was never disclosed to me. Along the way, i was given lies after lies and the project was dragged and to show me they were doing something with it but when i asked for an update, they told me to be patient. 
I cancelled the order i believe on XX/XX/2020. I disputed it with my bank and i was given temporary credit and then they reversed that on XX/XX/2020 because they told me that merchant has delivered a finished project. I was never given any proof of any update of the website. They claimed they finished the project and the bank said, i can not do anything since i approved the transaction.

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 2020-12-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX- XX/XX/XXXX, 26 transactions of {$40.00} and 1 of {$17.00} were posted to my Bank of America Debit card. The purchases were made at XXXX  and amounted in the loss of {$1000.00}. There weren't any alerts sent to prevent this fraudulent activity. 
I filed a complaint with Bank of America and was issued an adjustment credit of {$1000.00} on XX/XX/XXXX. The credit was issued during the pending fraudulent investigation. On XX/XX/XXXX Bank of America sent me a notice stating, '' We've completed our review of the above referenced claim and have determined that no error has occurred in this instance. We now consider your claim resolved. As a result, the temporary credit for {$1000.00} that was previously applied to your account will be removed on XX/XX/XXXX. '' On XX/XX/XXXX {$1000.00} was withdrew from my account by Bank of America, leaving the account with a negative balance of {$1000.00} and no way to receive my unemployment benefits until the deficit is resolved. 
On XX/XX/XXXX I called the help number given on the notice. I was on hold for 1 hour and a half. The claims representative was unable to tell me what evidence was used in the investigation to determine no fault was made by Bank of America or how long a second investigation would take. I was transferred to a supervisor, waited an hour, only to get disconnected without a call back. I called again and requested to speak with a supervisor but was notified the only way to be transferred to a claims supervisor was to wait in the claims queue again. I requested to speak to a supervisor from the number located on the back of my card. I was transferred to the supervisor name XXXX, told to hold, waited for 35 minutes and hung up on. I was hung up on by this supervisor two times. 
I then tried to reach out to Visa and was told they were unable to help because Bank of America is the issuer. I waited again for over an hour and spoke to a claims representative at Bank of America. I asked to speak to a supervisor, they would not transfer me because they needed a good enough reason. When I asked what proof the investigators had that I made those 27 transactions at XXXX, they couldn't answer. The best they could do was open a second investigation. They could not tell me how long this investigation would take.

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 2020-12-01 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: LEXISNEXIS
State: AZ

Complaint narrative:
Lexisnexis shows a judgement on my report for a XXXX XXXX XXXX, my name is XXXX XXXX XXXX. We live in the same city. Ihave filed 2 disputes with lexisnexis since XXXX. 
The second time I sent a certified copy of the judgement and the police report showing all of XXXX XXXX information as well as a copy of my driver 's license. None of the information matches. 
Lexisnexis says, for the second time, that they verified with the court and all information is correct so they refuse to remove it. I spoke with the court and they said no such inquiry was made and they have no information related to me in their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: TX

Complaint narrative:
please correct the ftc violations and FCRA vioaltions correct the late payment with XXXX XXXX and fixed the collection FTC vioaltion not mine remove all the names

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 2020-12-01 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: TX

Complaint narrative:
please correct the ftc violations and FCRA vioaltions correct the late payment with XXXX XXXX and fixed the collection FTC vioaltion not mine remove all the names

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hello there, I just received a message from PayPal telling me the reasons why they are closing my paypal account and I got this to tell them : On the informations I provided to them, I told them that the account : XXXX is used by my mother XXXX XXXX and I still live with her. About the chargeback, I sent her money using my paypal MasterCard. A few days after I sent her the money, I saw that on my credit card it was saying I paid for a service to XXXX XXXX and I got confused so I told to The Credit card departmemt to look for the person. It was until my mom log on her account and found out that her PayPal is negative, that I noticed she might be XXXX XXXX. The reason I asked the credit card company to report the transaction is because I didnt know who XXXX XXXX was and it didnt show up on the credit card that I sent money to my mom ( XXXX ). As soon as I noticed that I immediately called the credit company and told them to cancel the fraudulent activity and send the money back to my mom. You can ask people from XXXX XXXX they will told you what I just said. 

PayPal is going to close my account and thats unfair. Ive never have any issue with PayPal in the past and theyre trying to close my account just because of a misunderstanding?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 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: IN

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHEDXX/XX/XXXX ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XX/XX/XXXX ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL

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