vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have purchased exercise equipment from XXXX XXXX XXXX TD Retail Card Services XXXX where it supposed to be interest free for 3 years at a monthly rate of {$42.00} per month due on the XXXX of every month. The first payment that was due was on XX/XX/XXXX. I have faithfully made every payment before the due date but they have been adding late charges on every month because I have not paid them more than the agreed {$42.00} per month. In XXXX they added at {$38.00} late fee for something that was not late. Every month since then, they have been adding the same late fee because. They claim that I owe {$140.00} in late fees which I do not. I have the following cashed checks : Here are the posted paid dates on the checks from my bank : XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
I want them to remove all of the late payment charges effective immediately and reverse the bad report to the credit bureau. I have contacted them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for them to resolve it but they still have not. They also reported to the credit bureau that I have not paid late payments. 

Sincerely Mr. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
When I bought my house in XXXX, I got 2 mortgages. One was a conventional primary and I do not have any problem with it. The problem arouse from Specialized Loan Servicing LLC. Originally I got second mortgage from XXXX. In XX/XX/XXXX they charged off my second mortgage. But from the beginning of XXXX I started receiving letters from Specialized Loan Servicing LLC where they claimed I owe them money. I told them XXXX written off my second mortgage and it was reflected in my credit history but still they said NO, they bought my debt and I owe them money now. I asked them to send me proof which they refusing. After they keep on sending me bills. A few times I offered them some amounts of what I was able to at the time in hope of settling my account to which they always refused and the interest kept on increasing ridiculously. I could not afford to pay them by what I found strange is that my credit history was not affected, I did not see any late payments, any collection of second mortgage amount show up anywhere on my credit. In XX/XX/XXXX XXXX send me 1099-C form with amount of {$68000.00} ( interest only ), Box 6 - G ( which in description states they got agreement from my part, WHICH THEY DO NOT HAVE ). When I called them to ask whether the whole amount of mortgage with interest was written off they said - NO. They want a full payment of mortgage which in fact was less then the interest they accrued! Also, I asked them to send me any paperwork they said - Oh, you should have it already. But I did not received anything. I tired calling numerous number provided by them to ask for paperwork- no luck. 
Again I checked my credit history and there was not any debt collector SLS there. I guess they are trying to get money using scam method. Please help me to resolve this situation because they are not communicating with me except requesting money. 

Thank You.

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 2021-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
Ford Motor Credit keeps reporting my account to XXXX  late over and over. Now its showing that Im currently 4 payments past due, but the past due amount is {$0.00}. I have called multiple times for them to fix this only for it to never get corrected. XXXX  and XXXX  are reporting correctly. Its just XXXX  that Im having such a hard time with. Im not past due at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a mortgage with XXXX XXXX. In XXXX of 2020 XXXX XXXX  refinanced my existing mortgage with them to a new rate. First American Title is the Title company that XXXX engaged to file the Deed on the property. Upon completion of the refinancing process, First American Title did not file the Deed of Trust with XXXX County. I am currently trying to complete a refinance of my current mortgage with another mortgage company. In the process of completing the Underwriting for my new loan, it was determined that there is no record of my current mortgage. I have reached out to First American numerous times to try to resolve the issue by apprising of the issue and imploring them file the Deed of Trust. In my initial conversation with XXXX XXXX of First American, she informed me that the Deed was e-filed on XX/XX/XXXX. Earlier the same day that I spoke with XXXX, I spoke directly to multiple people at the XXXX Count Clerks office and was informed that there was and is no current Deed of Trust filed on my property. This delay and unwillingness of First American to resolve this issue will likely result in my loss of the rate lock and thus cost me several XXXX dollars over the course of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making into my credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXXnquiry from XX/XX/XXXX + Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making into my credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
On XX/XX/2020 One main Financial pulled a hard inquiry in XXXX  and XXXX Credit Bureau by sending a email offer to me. The email have a box saying Lets do it and I clicked just to check what was that about it and accidentally scrolled my phone screen and clicked in a box which was saying submit loan application and immediately I received 2 notifications of XXXX  and XXXX  saying the One Main Financial pulled my credit and I got a hard inquiry. I called to One Main Financial and explained what happened and they said They do not do anything about that on the phone and I have to send a letter to then and I did so after the 30 days by law to that respond me Ingot a letter saying the hard inquiry was legitimate and they do not will remove the hard inquiry from my credit then I sant another letter to One Main Financial saying to remove it from my credit bureau or I will sue the One Main Financial but after 30 days They did not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO

Complaint narrative:
My debit card was used to fraudulently transfer {$250.00} from my checking account to XXXX XXXX in the XXXX. The fraudster had my address, birthday, email address and card number. They did not have my correct phone number. I have never had a MoneyGram account. Yet, they were able to open a MoneyGram account in my name and transfer the {$250.00} to the individual " XXXX XXXX. '' I contacted MoneyGram within 20 minutes of being notified by email of the transfer and they refused to refund or cancel the transaction. They instead referred me to local authorities. I have contacted my bank and they are conducting a fraud investigation. I have cancelled the card that was used. 

How is possible for a US based company like MoneyGram to enable such fraud by inadequately verifying their sources and not be liable for it? When I rent a movie on XXXX  I have to verify a text to my known phone number, yet someone from the XXXX is able to pull XXXX out of someone else 's checking account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Wayfair/Commenity is again attempting to collect a debt of {$12.00} I do not owe and on a CLOSED account. Last year the same mistake in a XX/XX/202 statement for a balance of {$70.00} I did not owe and it was revered after a previous CFPB complaint. 

This needs to stop. The account needs to be CLOSED as i requested in XX/XX/2020. I do not owe a debt after paying off 3 payments of {$310.00} IN FULL as of XX/XX/2020. Their lack of a customer support line towards a dedicated dispute agent has yet again left me no way to communicate the issue with anymore within Wayfair/Commenity group.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority
State: FL

Complaint narrative:
I recently applied for Public Service Loan Forgiveness program with XXXX XXXX. I was told that after consolidating my loans in XXXX, the time started over from that date. Problem is they are not taking into consideration my loan paid prior to XXXX. In fact I paid off several loans from XXXX XXXX and Kentucky Higher Ed from XXXX XXXX. After reviewing my credit report XXXX XXXX has reported that they actually paid these loans off via consolidation. This is not true. I have reached out to the Dep of Ed. and XXXX XXXX and they are not taking my issue seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit
State: WA

Complaint narrative:
This complaint is to Volkswagen Financial service www.vwcredit.com My bank XXXX XXXX XXXX XXXX sent a check to Volkswagen financial on XXXX of XX/XX/2021 and Volkswagen financial received my pay off check on XX/XX/2021 and the check was cleared on XX/XX/2021. The check amount is {$20000.00} and the XXXX tracking is XXXX. ( which shows when they received my check ) I called VW before my due date on XX/XX/2021 and in between I talked to 5 VW representatives and the issue still has not been resolved. I even sent them the check copied on XX/XX/2021 to show they have cashed my check on XX/XX/2021. 

This doesn't not look good on my credit report because so far my VW account is still showing I did not pay off the VW lease and I have another loan with XXXX XXXX XXXX XXXX. 

They wasted more than 5 hours of my time in total and still not willing to take any ownership or actions to do the right ethical way to pay off my lease. I provided additional check image to show they cashed my check to XX/XX/2021. They still did not resolved the issue. They are doing unethical business by not reporting the proper data to the credit bureau agencies. And I have to buy a property in the new few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: CA

Complaint narrative:
XX/XX/2020 account was open from afini amount is XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX Dispute not available EFX Help mark icon EQUIFAX has opened a dispute on XXXX XXXX  Consumer NEVER asked Equifax to open a dispute. 

Consumer has NO ISSUES, NO PROBLEMS with XXXX XXXX  Equifax is ruining consumers credit history, by FRAUDULENTLY opening a dispute on the account above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
On XXXX XXXX we refinanced our home with XXXX XXXX. Both XXXX XXXX  and our previous lender paid our property taxes that were due XX/XX/XXXX. 

XXXX XXXX  payment was processed first so the check from Caliber Home Loans would be refunded back to Caliber and then back to me as an escrow refund. 

I called in XXXX to find out the status of the refund and hit a brick wall. No refund was issued but they said to keep an eye on it. Calling every two weeks through today, XXXX XXXX and there is still no refund in sight. Frustrated I emailed my county tax commissioner who stated that not only have they issued the refund but the check to XXXX XXXX ( part of Caliber ) but XXXX XXXX cashed the check on XXXX XXXX. This was a bulk refund that included several hundreds of thousands of dollars. Caliber continues to claim theyve not received it even though they cashed it. 

I continue to be told that there is a finish date on my account for XX/XX/XXXX and that they will continue to investigate where the check is. 

The check is sitting in their account earning interest on money that doesnt belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I was checking my credit report and I noticed a few inquiries on my credit that I did not authorize. I noticed the issues yesterday while checking my 3-bureau credit reports through experian. I also noticed an account that appears to have been paid off or dismissed, but it is not an account that I authorized to be open. 

Accounts : American Hinda Finance - acct # XXXX - date owned : XX/XX/XXXX XXXX XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX  Card XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX US Sm Bus Admin ODA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/2020 I wrote all three bureaus pertaining to a whole bunch of mess on my credit reports that I know is inaccurate and some of it I did not do and have no clue how it got there. The bureaus have ignored me on purpose because they do not want to investigate my troubles because they know this stuff is wrong. I want this stuff looked into right now and answered swiftly with all of those items deleted as they are not mine. They already screwed me with the XXXX  data breach and let my info get into the hands of some crooks and now they are just ignoring me. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause 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