vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have been a customer of TD bank for over 20 years.I have been the victim of fraud by a 3rd party regarding one of my TD accounts. I had been attempting to transfer money from one of my accounts to another. On XX/XX/21 I received a phone call from someone saying they were from TD bank informing me that in order to do this I had to use their " XXXX '' feature and they proceeded to with withdraw money in small increments eventually totaling $ XXXX.This turned out to be a bogus call. I was suspicious and repeatedly asked if they were from TD bank during the transaction. Long story short after realizing my mistake, the net day I went into my branch at XXXX XXXX XXXX, XXXX, NJ ( XXXX ) and with the help of manager XXXX XXXX, I closed all accounts and bank card and opened new ones.He contacted the fraud dept. and said in about 2 weeks I would be reimbursed.I then received a letter from TD bank,XXXX XXXX , XXXX XXXX NJ ( XXXX ) denying my claim saying I authorized the fraudulent transactions. I am writing this office with the thinking that doesn't a huge corporation like TD have some allowance in such matters? I realize the err of my ways and will never allow this to happen to me again, but I feel as a loyal customer of TD bank for many years, my claim for reimbursement should not have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: GA

Complaint narrative:
Please review documents for detaiks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: TX

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I reached out to Loan Depot in early XX/XX/XXXXabout going on a Forbearance plan due to Covid-19. I was approved, and as you can see from the documentation, the forbearance plan was to begin on XX/XX/XXXX. However, the company still processed an automatic withdrawal from my bank account in XX/XX/XXXXfor my mortgage payment, despite the fact I was on a forbearance plan. I reached out to Loan Depot and was told nothing can be done, which I feel is unfair and against the point of the forbearance plan. Please note that the date on the attached letter from Loan Depot is NOT the date I contacted Loan Depot about needing a forbearance plan. If they knew there was no way to cancel the payment their system processes, they should have began the forbearance plan in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was attempting to lift a security freeze so that I could apply for an apartment rental. I utilized the online option to attempt to lift the freeze. Online it appeared successful, however, I was still denied approval on the basis of having " no credit history. '' However, I could clearly see based on the online portal that my credit history was there ( 13 years worth of information ). I called Equifax to assist with the issue and was told that I needed to submit the request in writing. When I asked for more information or why that was the case and why I couldn't receive assistance over the phone, they placed me on an indefinite hold. I requested assistance from a supervisor and was told they were " looking for someone. '' I now am unable to rent an apartment because the security freeze on my credit report is still showing up and I've received no assistance from Equifax on resolution of this matter. The date of the request to lift the security freeze was XX/XX/21. The phone call with the company took place on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: IA

Complaint narrative:
Novad provided a response which was not accurate or correct to complaint case XXXX. Novad stated that I did not understand the time frame and has only called once since I submitted the original complaint. In addition, in the beginning which, I have documented. I was informed the process would take 6 to 7 months to complete by a representative. We have exceeded that and then some. XXXX agreed that this should have not been going on this long. In fact, he stated when I informed him that I was advised that HUD reviewed the matter in XXXX of XXXX. He said it was completed in XXXX of XXXX. In addition, on my call with XXXX I asked for a time line and he could not provide one. The only response was that its in legal hand. Furthermore, I will take responsibility for not getting XXXX contact information. I request a direct number and email address for XXXX and his supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I keep receiving a collections from XXXX XXXX FKA XXXX XXXX XXXX XXXX  regarding some bank overdraft fees. Accts. : XXXX $ XXXX {$110.00} The last collections came from Transworld Systems XXXX Inc ( TWI ) their files XXXX XXXX and XXXX XXXX. 

I have requested the proof of debt which I received from TWI on XX/XX/2021. Upon examing the proof of debt, I found out the person who opened and used the bank account had the same name as I, but absolutely a different person. Further, the address provided on both bank accounts was never my address. On XX/XX/2021 I sent a certified mail to TWI explaining this debt was not mine and to a cease and desit any communication with me unlex they could actually prove that I was the one who opened and use those 2 bank accounts. 
For my dismay, yesterday, I received another collections letter from TWI. 

This situation seems to be their modus operandis, where they keep harrassing law abiding citizens violation their FDCPA rigths. 

I want the bank to cease and desist this collection effort together with TWI and or any other collections agency. 
If the resolution is not satisfatory, I will pursue the matter legally. 
I sincerely hope you can help me resolve this matter cleaning my credit and good name. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: IL

Complaint narrative:
I XXXX XXXX am a consumer of the US and i recently got a copy of my consumer report and noticed several unauthorized inquiries. Attached is my letter sent to transunion regarding this matter along with a identity theft report.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
The loan I had was Paid off because the Car was Totaled in a car accident. Insurance Paid the Car off even to the company. the loans that are in my name are not mine. I have two bill from this company and not sure why. I need this to End. Delete this off of my account. this account has been charged off with a XXXX Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
We just did our second refi with Loan Depot. The first time we dealt with them, we were told by their agent that they very rarely sold their loans. At the time XXXX XXXX XXXX held our mortgage. We went ahead and did the refi with Loan Depot and shortly thereafter our loan was sold to ... XXXX XXXX XXXX. We complained about it but were told that nothing could be done. 
When we wanted a lower interest rate this year, we went back to Loan Depot since they were offering some perks because we had done business with them before. We were told again that the company rarely sold their loans. We did the refi and last week we were notified that our loan was sold again to ... XXXX XXXX XXXX XXXX 

I tried to get on the phone with Loan Depot corporate. I talked to two people and all they could do was transfer me to someone else who couldn't help. When I put the information into the main number, I was disconnected because our loan has already been transferred. 

XXXX XXXX XXXX has terrible customer service and we really didn't want them to service our loan again. Knowing full well how we felt about this company, I feel that Loan Depot transferring us back to them is an act of retailiation. Companies should want customers to be happy and not miserable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase bank closed my account I had funds deposited to my account and the unemployment office showed me a letter saying bank rejected it but chase denied Amy transactions or rejections but the work force has showed me they have gotten funds back and should be available today or tomorrow the problem is I have been trying to fix this matter and I've been put on wild goose chase the bank can't seem to find my direct deposit more than one contact me asap XXXX asap I have not received my funds and it been 5 days ago since payments were released

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: MD

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Report : 1ST CRD SRVC ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown’s New Credit Bureau Inc.
State: MA

Complaint narrative:
Past due medical bill from XXXX XXXX XXXX XXXX was purchased by Browns Collection Service out of XXXX Arizona with my original balance being {$1800.00}. Browns collection service has been charging me interest that was not part of my original contract with the hospital. The last balance I received from Browns Collection Service was {$3100.00}. There has been at least {$1300.00} that I have been charged in interest I never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA & s. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I call to let them know that I never opened account with them. Whoever open the account had several addresses and telephone numbers on the account plus they have two military cards added to the account. They told me they would flag the two accounts as fraud. They would make it impossible for somebody to open up another account in my name. They opened 2 accounts on XXXX & XX/XX/21 of a total of XXXX each.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Whitestone Financial Holdings LLC
State: NC

Complaint narrative:
I purchased a vehicle from XXXX auto search and were supposed to get a financed through Whitestone financial and I never ended up receiving the car and never make payments on that vehicle. The vehicle was actually sold to a friend of mine. I asked for A copy of registration Showing were the vehicle is registered to me. The company refused to provide it this is 100 % fraud and I was advised hi my attorney two put in a formal complaint. Before moving on to our next step. And the fact that they report of the payment XX/XX/2015 is 100 % wrong thats when my buddy bought the truck from that dealership. And if youre claiming this was A legitimate loan for a vehicle then why is it when the vehicle was sold to my friend my balance never changed nor was it ever repossessed from me?

Company response to consumer: Untimely response
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX I received promotion from US bank about XXXX $ sign bonus upon opening a new checking account. I used code XXXX and met all the requirements : completed direct deposits totaling {$3000.00} within 60 days of account opening and enrolled in e-Statements. I still did not receive my {$250.00} bonus. Please look into this.

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 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I'm trying to refinance with Wellsfargo which is also my current mortgage lender. Everything was going good and I paid XXXX dollars for an appraisal. The appraiser made the report up showing a value based on my undergoing bathroom remodel being completed. This work is only cosmetic to add tile and sheetrock over plaster walls. I have another functional bathroom and they are demanding that the work be completed in their timeframe. After talking it out with them they then advised that I could get a contractor estimate and they would see if it could be categorized as an exception knowing I was doing the work myself and that I can not afford a contractor to do the work. Why is it okay for them to litterally ask me to waste a contractors time? I have called contractors and left voicemails trying to get one to come out. 1 business day of Wellsfargo telling me to go this route they send an email saying I have 2 more days to get them this estimate or the loan will be delayed or void. Also the appraiser inaccurately mentioned mold/mildew on the report and when I called them to advise what they saw was a green sealer ( I provided pictures ) they refused to remove it and then complained to wellsfsrgo about me breaking the law by contacting them. I was given the number from wellsfargo and email info to be able to communicate with the appraiser and now I'm being told that I'm breaking the law. This is absolutely rediculous. Do these situations fall within my rights as a consumer?

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 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, We contacted Citicard after being loyal card holders for years -- we told them that after printing up our most recent statements, we realized we were being charged monthly for their Payment Safeguard program. The fees range from $ XXXX {$150.00} a month depending on the balance. We never signed up for this program and submitted a request for refund and cancellation. They only refunded us one month ( {$71.00} ) and that was it. We have read an article stating that many people have complained about this program and gotten their money back for many months of years of being charged without knowing or understanding the reason. We never signed up for this service. We'd like all our money back.

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 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2021-08-03 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
THESE ARE erroneous inquiries reporting to my file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
THESE ARE erroneous inquiries reporting to my file

Company response to consumer: Closed with explanation