vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Going through my bank account statement and seen that the Transunion Credit bureau had with drawn XXXX out of my account on XX/XX/2020 I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Mo XXXX I called Transunion ask about transaction they told me I upgraded my account I told them there would be no reason I would do that I had just was trying to stop all the emails they where sending daily Why would upgrade that would make more emails I asked who made the decision to take XXXX out of my checking account and how did you get my account number and how did you .know if I had enough money in that account they said that I gave them my information either on phone online I know XXXX  well I did not they will not give me my money back said i have to go to my Bank that is not right I did nothing my Bank did nothing they got XXXX free sitting lying And I KNOW they got my information which I am suppose to trust I want to sue them which there is filed already for another case with one of those unsecured company 's that say they are secure I really fill safe with this government that that I just said i feel secure was a smart XXXX comment at this time my copier is not working have to buy a new one but as soon as I can I will get you a copy of my bank sccount

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 2021-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I keep trying to call the credit cards during the coronavirus and they wont answer.

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 2021-01-01 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: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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:
On XXXXXXXX XXXX2020,. {$520.00}, I proceeded to call XXXX  to obtain info related to company " XXXX  XXXX. '' XXXX  referred me to XXXX  given phone number. I contact XXXX and I was advised that the information would be removed from my credit report and the account would be sent back to the agency that sent it to XXXX. Agent refuse to answer question regarding why my rights under the fair debt collection was violated and refused to give me the name, address, or phone number the purchase company from XXXX XXXX. However, the XXXX  and XXXX  both wanted the identity theft report but failed to supply since Covid 19 a email address. XXXX  offers a uploading but, it's not taking my reports and yesterday I recieved another credit alert for this being place again on my credit report as a duplicate collection under dispute. Please see attachment a report from the FTC " Identity theft number and XXXX Police Identity theft number attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: TX

Complaint narrative:
On XXXX XXXX2020,. {$520.00}, I proceeded to call Experian to obtain info related to company " XXXX  XXXX. '' Experian referred me to XXXX  given phone number. I contact XXXX  and I was advised that the information would be removed from my credit report and the account would be sent back to the agency that sent it to XXXX. Agent refuse to answer question regarding why my rights under the fair debt collection was violated and refused to give me the name, address, or phone number the purchase company from XXXX XXXX. However, the Experian and XXXX both wanted the identity theft report but failed to supply since Covid 19 a email address. Experian offers a uploading but, it's not taking my reports and yesterday I recieved another credit alert for this being place again on my credit report as a duplicate collection under dispute. Please see attachment a report from the FTC " Identity theft number and XXXX Police Identity theft number attached

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 2021-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-01-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I initially applied to Loan Depot mtg refi application online. I was contacted via email by XXXX XXXX XXXX on XX/XX/XXXX. She is the most XXXX  double talker. I asked no to pull my credit ( again ) as I already applied online. She said she couldn't ; t quote a rate without my social security number, but I had done it through the portal securely. I advised her that I can get a rate but refused to disclose my PII to her directly. Then I advised her I was not interested in doing business with her or Loan Depot. This is not my first mortgage experience. Several days later, she called again and was ready to process my loan. Again no rate was provided, and she claimed she was on vacation when SHE contacted me and that there was possibly a miscommunication. I refused to get sucked into her XXXX and had already sent Loan Depot and told her that I am no longer interested in proceeding with her or her company and sent a follow-up email to cancel the loan application and delete my application on XX/XX/XXXX. Again she processed my application and kept emailing me to process the loan. Again violating my rights and trying to pull a loan on my behalf without authorization, I researched this character. This was on the Internet ( XXXX  : XXXX ) - I pulled my loan application and spoke to her, but she continued to process the loan. How can she be a mortgage lender with 2 bankruptcies?! She's had more names than XXXX! 

According to the latest records, XXXX XXXX is XXXX years old and was born in XX/XX/XXXX. XXXX XXXXXXXX  phone numbers include ( XXXX XXXX XXXX, ( XXXX ) XXXX. 
XXXX has had 24 addresses and 2 bankruptcies, and XXXX knows how many last names. 
After performing an extensive deep review of XXXX XXXX XXXX records, I discovered that this individual also has 2 bankruptcies, 7 business ownership records, 7 vehicle registrations, 1 job records. To see all of the information, including property records, possible liens, judgments, court records, and much more, click here to unlock the full background report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
The loan officer ( XXXX XXXX ) I am using is an independent broker ( XXXX XXXX XXXX  XXXX ) servicing for Caliber home loans, won't explain the information on the closing disclosure document and/or documented incorrect information on the loan application and the demographic information addendum. When I've ask him questions or ask him to change things on my application he has told me XXXX20 " If youre not satisfied with how Caliber wants it on the application, DO NOT move forward with Caliber or myself. '' XXXX20 " I am no longer working on this loan and you will need to find another lender '' XXXX20 If you are not comfortable working with them I completely understand if you decide to select another lender. '' -He has also told me this type of wording over the phone. 
This is an ultimatum to do things his way and don't question him. 

My real estate agent has had to get in the middle to resolve the issues to move forward and that hasn't helped resolve much. This loan officer uses the lender as a reason to not move your loan forward if you don't do things his way. He says this instantly before even consulting with the lender, because he is an independent broker and has no boss, he does what he wants and says that's what the lender will say or it's standard business practice. None of these are explanations or answers to my questions but excuses. I doubt Caliber home loans is aware that business is being conducted this way on their behalf. I have had to consult with other loan officers to try to get answers. Before you have answers he has moved on to the next step without my permission. Now I have an approved loan with lots of questions still unanswered. 

I was put in an FHA loan and not explained the parameters of it. Being a military member it's nice to know how long you are legally obligated to live somewhere vs putting me in what you think is the best product. We were too far in the loan process to change the type of loan. The loan officer is a terrible communicator, interrupts and has an antiquated system in which I can't put in any of my own information. The agent and loan officer say it's preliminary and will be fixed later but that isn't how things should work. I responded with I'm not satisfied and the loan officer moved forward anyway. This is bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My bank blocked my debit card permanently after I confirmed that 2 fraud payments from a company calles XXXX/XXXX weren't mine. I didnt want my card blocked as I was trying to unblock it to get home from work. I had 5 dropped calls from Santander, nobody would listen to my situation. Now without my debit card for a few days and I see the fraud payments still went through and Santander has not reached out to me once after 5 attempts of phone calls and an email. My telephone account is also blocked now for some reason. 
I also reached out to XXXX and they didn't help much, I emailed them back just asking what the charges were and they replied to me in all 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 2021-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I opened an account on XXXX that had a {$300.00} promotion if I sent direct deposits totaling at least {$2500.00} in 60 days. TD bank shows the deposits received via direct deposit on XX/XX/XXXX and XX/XX/XXXX totaling over XXXX. 

Per secure message, they are refusing to honor the promotion because I was a customer who received a bonus on XX/XX/XXXX. However, their terms state you can not have received a checking bonus in the previous 12 months. Per their own confirmation, it was significantly more than 12 months since I had a checking account. However, they are not providing the bonus still and will not send their copy of the terms and conditions I signed up under.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Good morning, On XX/XX/XXXX, I was changed a return check fee of {$29.00}. Im reaching out for extreme help during this difficult time that Im in. I understand that I was charged a return check fee and Im requesting this charge to be reversed. Every dollar counts in my household and {$29.00} can go a long way right. I ask if someone can please removed this charge. Im standing in food banks lines and waiting on a stimulus relief. I cant afford any fees. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I've been struggling to pay my bills since I changed jobs in XX/XX/XXXX right around the beginning of the Pandemic. Shortly after, the virus began and my hours were cut and I began to fall behind on everything. I was receiving some money but just enough to get by. I was anxious about not having enough money and I was receiving unemployment and then that was cut. I then learned my job at the XXXX  would end and I would not be able to receive unemployment because I was overpaid ( {$5000.00} ). I considered Bankruptcy I was going to Food Banks for food and hoping to hit the lottery. I was waiting for my XXXX from the VA to be reviewed but it was pushed back because of COVID. Fast forward to receiving funds after a year and trying to pay everything to catch up. I called XXXX XXXX  to try to negotiate a settlement since they advised my account was closed ; this occurred on XX/XX/XXXX. They told me no after a brief hold and possibly reviewing my bank info because XXXX XXXX  credit card is financed through Wells Fargo which is where my checking account is which I suspect they reviewed and impacted their decision with my account. Be mindful that XXXX XXXX is not the only Creditor I owe. They offered nothing in form of a hardship, so I paid {$1000.00} on my account. Today, XX/XX/XXXX I called to try to get an updated balance and verify the status on the account and ask for late fees, and finance charges to be removed, I was told no again. The reason was because I was given a courtesy removal in XX/XX/XXXX when my account was placed on pause for the Pandemic. So I stated that if a review was completed no other customer would have more than one removal of late charges on their account? I advised I would contact, CFPB, ATTY GEN, XXXX I was placed on hold again. The representative placed me on hold and I was told {$120.00} would be removed from the account bringing the balance down to {$1500.00}. I also confirmed the account is closed and the interest is still at 24 %.

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 2021-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My bank, XXXX, pulls my score from Experian, which displays as Excellent. I got free identity monitoring from Experian when they failed to properly secure the data of millions of Americans, so I get emails from them up selling other products all the time. When I clicked one out of curiosity, it told me that my credit was POOR. I was stunned, but didnt have time until today to investigate further. Today I pulled scores from XXXX  and XXXX  through XXXX and my Experian score through XXXX, and all three were excellent. But although my Experian Apology Protection score had gone up to being Fair, it was still way, way off what they were telling XXXX and what the other bureaus are saying. On the page with Experians false report are five buttons, each of which leads to a paid product they are selling, and there is no way to dispute or inquire as to what exactly is going on. I am concluding that they are misrepresenting my score because they think, as a victim of their incompetency who filed for protection, I am easily worried about my score and therefore great to target for upsells. This is really morally wrong to target their victims with false 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 2021-01-01 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: TN

Complaint narrative:
Name : XXXX XXXX Date of Birth : XX/XX/1996 SSN : XXXX Address : XXXX XXXX XXXX, XXXX TN, XXXX Information belongs to someone else ( identity theft, fraud, error ) Identity theft report filed in reference to account number XXXX associated with XXXX  XXXX XXXX  XXXX ( XXXX XXXX ) this account is still appearing on my Transunion credit report and it's been successfully removed from my XXXX and XXXX  XXXX reports. Account fraudulently opened in my name without my permission or consent. Please remove. Attached documents please review

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 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX received letter from collection agency, MRS BPO LLC, that I owed an overdue debt of {$780.00} to a company called XXXX XXXX. I attempted to call MRS BPO LLC at XXXX but disconnected the call as they wanted my social security number. I mailed them letter disputing the validity of this debt on XX/XX/XXXX. Their letter stated that I had 30 days to respond to this letter to dispute validity of debt. I called this number again on XX/XX/XXXX and left information but was not able to speak with anyone. I called XXXX XXXX on XX/XX/XXXX to dispute this debt. I have never used XXXX XXXX. They did verify that the address on the account with them was not my address. They took my information and said a representative from their company would call me back. XXXX XXXX called me on XX/XX/XXXX and I was told to file a police report and a report at FTC.gov. Once I did this to send this information to their XXXX XXXX  at XXXX. I filed police report on XX/XX/XXXX. On XX/XX/XXXX received a degradatory against my credit filed by MRS BPO LLC.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief