vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Im a retired operating engineer and a lifelong resident of the area. Im also an XXXX veteran, and I feel Im being mistreated by my loan servicer TD Bank. I have pension and Social Security incomes and I believe my income is more than enough to afford a reasonable monthly payment. 

Ive been trying to resolve this issue of default with TD Bank for over 8 years after inheriting the property from my deceased sister. On multiple occasions I thought the problem had been solved by a loan modification. However, TD Banks modifications have been deceitful and dishonest ( fraud? ) each time. As soon as I sign the loan agreement and TD Bank finalizes the modification, they send me a mortgage statement which shows the new terms ALONG WITH AN OUTSTANDING BALANCE!! Whats the point of having a loan agreement thats signed and notarized if TD Bank will immediately contradict it by claiming there is still an outstanding balance and the payment is almost a {$1000.00} more per month because of it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: GATEWAY FIRST BANK
State: LA

Complaint narrative:
This is regarding XXXX, XXXX, XX/XX/2021. I have paid my mortgage payment every month in a timely manner. My monthly payment went up by {$60.00} due to increase in homeowners insurance. When I found out my homeowners insurance went up, I changed companies. I have a copy of all my payments made on time. They're actually paid automatically through a bi-weekly payment program that I have enrolled in to pay my mortgage off early. The mortgage company applied my payments to principal instead of my monthly note and reported me to the credit bureau for being 30 days late. If they had put my payment in unapplied funds like they've done previously, the next payment would have corrected the shortage within the 30 day grace period. My payments were made. If they had not applied the payment towards principal, I wouldn't be in this situation. All I'm asking the company to do is apply the payments made like I have requested, the problem of resolve itself. The supervisor that I spoke with confirmed herself that I have made my payments in a timely manner. The problem is they wanted me to make an additional payment, which I eventually did just until the problem could be fixed on their end. I'm including a copy of payments I've made on the account that are paid automatically through a bi weekly program

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I have already contacted the XXXX about this matter and the company responded ( XX/XX/XXXX ) but did not provide any information as they stated they would. 

I have never heard of this company before. I have never done business with them. I have never been in contact with this company. I have no idea if this company is in XXXX XXXX or XXXX XXXX, California. They negatively reported me to the credit reporting agencies in XXXX and XXXX of XXXX. This has had severe negative financial consequences to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I opened an Bank XXXX Checking account in branch with an associate around XX/XX/XXXX. There was a {$300.00} referral bonus. I completed all the requirements such as making three direct deposits, minimum {$1000.00} debit card spend and was expecting a bonus. Around second week of XXXX I was locked out of my account citing Fraud. This is not true. There was no fraud they just closed my account. I never received {$300.00} bonus for completing the requirements.

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 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
CB/WAYFAIR is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: NJ

Complaint narrative:
I noticed a few accounts on my report that are not mine 1.XXXX XXXX 2.XXXX 3XXXX 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 2021-05-18 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: NJ

Complaint narrative:
I noticed a few accounts on my report that are not mine XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: CURO Intermediate Holdings
State: IL

Complaint narrative:
Curo XXXX, XXXX XXXX from XX/XX/ + XXXX XXXX XXXX 

I do not know why this company is on my credit report. I have no knowledge of this company or doing business with them. I need this hard inquiry removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for an AmEx Gold Card, partly because there was a promotional offer to earn 75k points after spending {$4000.00}, and I had a big purchase to make which would help me reach that goal quickly. I also read that AmEx has an " Instant '' card feature, whereby you could get your card number immediately upon approval to use right away : the website says " Instant Card Number is available for all American Express Consumer Credit and Charge Cards. '' [ https : //www.americanexpress.com/us/credit-cards/features-benefits/digital-wallets/instant-approval-credit-card/ ] However, the language is confusing : while it says something about " eligible '' customers, it does not define eligibility in any meaningful way : only saying that it must " authenticate '' users. Because I have a strong credit score and history, I did not expect this to be a problem. 

However, after applying, I did not receive this feature, and chatted using their customer service chat. I got a lot of confusing corporate-speak, essentially telling me that I did not read the terms. I explained that I did, and that I felt as though this process were misleading : again, there is no detail on what makes someone eligible or not. More importantly, there is no way to opt-out of the application if one is not determined to be eligible. For a significant card benefit, I would think that I should have the right to cancel my application if I am determined not to receive this benefit. I was not able to make an informed decision about whether I actually wanted to proceed with my application. 
Instead, it just approved me for a card with different terms than I wanted. 

I was also concerned that I had now just had an inquiry on my credit report, which would " count against '' me. I asked to have this reversed and was told I had to call tomorrow during limited business hours. Online chat could not help me and there was no way to send an email or message. This is just ridiculous! If I could apply for a credit card and receive support online, why should I have to call the next day? I have spent over an hour now on this process, ultimately ending up without the card and now with my credit score negatively impacted -- and I'll now have to spend more time fixing this. 

I'm sure this is all above board legally, but I find it disingenuous and misleading. I should have known better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My complaint is against Wells Fargo sense XXXX of XXXX and until now when they supposedly was going to close my account, for a supposed fraudulent check that was they never bothered to check and now have sent me a letter of apology and {$14.00}, which they felt was all they over charged my account. 

I was very upset with the fact that I opened my account in XXXX to do future merchant, business banking with Wells Fargo Bank and that I am a XXXX adult whom was attempting to start my own online business and attend online school to receive my degree in XXXX. 

That was when Wells Fargo Bank began there process of taking funds from my account, when in return they were not suppose to charge a fee for Social Security direct deposits ( XXXX ) and allowing charges to my account that were unauthorized. 
They started denying me funds and with holding my deposits until I telephoned them to allow my deposits through. 
They then ( after my move back to XXXX from XXXX )  decided to inform me that I tried depositing the same check twice, when I did not do so ( he lady bolding lied to me over the phone insisting this and was extremely rude ). 
They then withheld a {$420.00} bank fee refund from XXXX and a {$600.00} stimulus check telling me they were closing my account on the following Thursday which was over 2 months ago, in which they did not. 
They have caused me to lose employment of {$400.00} a week do to the fact I work XXXX online and that does not show responsible employee skills. 
They have caused 2 credit card companies to not only close but created animosity towards my partner and myself, from there employees, XXXX XXXX XXXX and XXXX XXXXXXXX ), which Wells Fargo refused to pay from my Bill pay, or would would just return as NSF, when funds were in the account. 
I owe XXXX  over {$1800.00} for the same exact reason ( Wells Fargo refusal to pay my bill pays ). 
They are not only unreliable, they purposely XXXX ( excuse my language ) there consumers off and cause financial hardshipXXXX stress  and do nothing for there community. 
And to make matters worse this was all during the time of XXXX when then new they could fraudulently hurt consumers in there community and have done nothing there webpage says. They sure as XXXX do not give hardship loans. let alone would they listen if anyone attempted to apply for one.

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 2021-05-18 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Consumer Portfolio S Inquiry from XX/XX/2019 - Auto Financing I do not know why this company is on my credit report. I have no knowledge of this company or doing business with them. I need this hard inquiry removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: IL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

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 2021-05-18 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:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: TN

Complaint narrative:
XXXX is not allowing me to purge data that- is beyond statute. Is inaccurate. Is no longer appearing on other bureau files. This is creating an extortion on " old debt claims '', none of which have legal standing. This is harming me. It is keeping me from opening a bank account, from being able to open credit cards- or other loans. I demand this stop. I demand all data beyond 2 years be purged. Nexus as well. No more verify me w 7+ years of data before we attempt to act, nonsense. You were never given permission to collect this data- IT WILL BE REMOVED AT ONCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank shows two credit card accounts in my name. I explained to US Bank that these cards, the bank account and the supporting bank accounts were all opened online with only copies of my personal info and social security card necessary. I filed a valid police report, FTC report and submitted the info. US Bank said, since my name was on the account and payments were made from a fraudulent bank account, these credit accounts must be mine. I sent their fraud unit the reports of fraudulent use of my personal info. in police and ftc reports again. Still, nothing changed.

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 2021-05-18 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: IL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Global Lending Services LLC
State: IL

Complaint narrative:
Global Lending Servi Inquiry from XX/XX/2019 - Auto Financing I do not know why this company is on my credit report. I have no knowledge of this company or doing business with them. I need this hard inquiry removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I opened a checking account with Union Bank on XX/XX/21 in a local branch and enrolled in a {$300.00} referral offer. The bonus offer requires to complete three direct deposits of {$500.00} or more OR spend {$1000.00} in total on a minimum of ten ( 10 ) purchases with the Union Bank Debit Card Mastercard. I confirm I have already completed both requirements and am waiting for bonus to hit in anytime. However, after almost 60 days of account opening, I received a notification from Union Bank that my login has been locked and my account will be closed on XX/XX/21 due to XXXX. At this moment, the locked login cause great inconvenience as I can not check my balance or download statements to find out my checking account number. Moreover, the date is interesting that after almost two months of account opening and deposit requirement are met, they all of a sudden decide to close my account, just right before they are due to credit me the bonus. I have never seen any bank closes account due to XXXX post-opening, and if there is such case closing account within one week after account opening makes more sense, but definitely not after two months. Therefore, I accept their decision to close my account but I request Union Bank to credit the {$300.00} bonus into my account before they end my relationship on XX/XX/21. I have to seek help on CFPB and hope this problem can be resolved properly. Thanks.

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 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I applied for a loan modification on XX/XX/2020. My modification was denied because my income wasn't sufficient. I'm widowed and I'm XXXX years old. 
After that covid-19 hit and I was unable to look for work because of the lockdown we were imposed by XXXX in XX/XX/2020. I applied for forbearance and was granted 3 months. Ever since then I've reapplied for an extention multiple times but I never get a response. I reapplied this month but again I never received a response. I've been borrowing money to make my mortgage at times and I now owe friends and family a lot of money and my resources are running out. 
I owe about {$98000.00} on my loan and my home is worth over {$200000.00} but they say I need more income to modify. I was paying {$710.00} monthly. I have limited resources and I'm unaware of any programs other than getting my loan modified. I've lived here almost 40 years and this was my first home I ever purchased with my deceased husband. I don't want to lose the only home I've owned my entire adult life. I really need help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Spring Oaks Capital, LLC
State: WA

Complaint narrative:
I disputed Spring Oaks Capital LLC collection account for {$940.00} on my XXXX  report. this is not my account. In my dispute I requested them to provide proof of wet signature contract with my signature and if it could not provide or verification that per FCRA section 609 they need to delete account immediately. They were not able to verify account or provide wet signature contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: FL

Complaint narrative:
On XX/XX/2021 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