vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
i opened this account and went through XXXX had to send bank statement ss card and id finally got approved with a XXXX limit, well i went to go use card today and they denied my purchase and froze my account with out notifiing me against the fcra rules then she told me use another form of payment was so embarrasing, first they discrimate against me with a XXXX $ limit now they froze my accoutn bc im XXXX and XXXX, this bank is XXXX needs to be investagated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX there was a fraudulent charge of {$53.00} on my PayPal account. I filed a dispute and within hours they closed my case without giving me another chance. The so-called seller has no valid contact and obviously the item wasnt shipped. Also threw my investigation I found that not even XXXX  can locate this seller to file a dispute. There are multiple names to the seller and no way to contact them. {$53.00} was taken without my permission and obviously a scammer is holding my money and PayPal absolutely would not help me and said that they already closed the case and there is nothing I can do. I can prove to you that whatever items said being sent were never sent it was just somebody taking my money. XXXX is one of the names and it can not be located anywhere. The other names are written in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
For XX/XX/2019, I eliminated the direct payment and began to make the payments at the institution. They the Firstbank of Puerto Rico made the mistake of not recording the payments made using this method and this mistake is affecting my credit score. I have never failed to make a mortgage payment. The time it took them to fix the problem, they send to the credit companies as a delay of 30 days, when it did not happen this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account was paid on terms and was never late. However, Experian keeps reporting inaccurate late payments on my account. On XX/XX/XXXX, I requested via a letter from Experian the exact and specific procedures they used to verify this account but they failed to respond and only provided a generic letter response. I sent them another said request on XX/XX/XXXX and XX/XX/XXXX and they still have failed to provide this vital 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 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
Account was paid in full, and the company admitted thru a previous complaint it was paid, and the account would be closed and removed, yet it's still listed as open, with XXXX balance, as a derogatory remark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have a mortgage and escrow account that was transferred to Mr. Cooper in XX/XX/2020. Mr. Cooper was responsible for tax payments via the escrow account for the year 2020. The district tax appraisal value published indicates roughly {$1600.00} is owed annually for county and MUD taxes. My escrow account value was over {$10000.00} ( I am charged nearly $ XXXX/mo for escrow ). Additionally, when viewing my escrow balance online the incorrect amount is shown for year to date total. 

I contacted Mr. Cooper XX/XX/XXXX via phone in an attempt at receiving a refund for the remaining escrow account balance and getting more detailed information. I was told " we do not have the ability to see balances, it is only available to our tax accountants ''. When asked to speak to the tax office, I was told " they are unable to be reached directly by phone or email, please submit a message through our website ''. 

Contact through the website was made XX/XX/XXXX, and an automated message was received on XX/XX/XXXX stating " You will be contacted within 7-10 business days with a resolution after we review your account ''. It has now been a full month with no contact and the existing support ticket shows closed. I opened another ticket on XX/XX/XXXX stating " I have tried contacting Mr. Cooper regarding this issue for 2 months now without a single reply of resolution '' and still have not received a reply to my second ticket. 

In short, Mr. Cooper is holding nearly {$10000.00} of my overpaid escrow and is ignoring my attempts to contact the responsible department for a refund. Due to COVID and the Texas freeze last month, this is much needed money at this time and I am being ignored by customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I had my trial modification plan that started on XXXX XXXX in the amount of {$6000.00} with Selene Finance LP and my monthly payments was in the amount of {$2100.00} was made every month and on time. I was never late with a payment. 
My account has been transfer to XXXX XXXX XXXX as of XXXX of XXXX. I have been trying with no response from Selene Finance LP to get all my payments and all my 1098 taxes for all the following years such as XXXX, XXXX, XXXX, XXXX and XXXX and only would get every years but XXXX. Selene Finance LP is telling me that I didn't make any payment for the year of XXXX which is now causing me a very bad hardship with the IRS paying back taxes that was paid along with my mortgages payment in amount of {$2100.00}. I would like to know what happening to all my payments for only that year XXXX. 
Please, please help me with this matter I am so hurting from this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Third Stimulus payments being sent out by Navy Federal are being held to increase banks profits using interest. Banks are also charging members difference for payments 60 days after accounts are brought to balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I have disputed with all 3 credit bureaus a old account that was closed in 2015 with negative information. They fell off and my credit score jumped 60 points. The following month they reappeared and my credit score dropped 60 plus points. This has been going on for months. Ive called the company that issued the car loan, XXXX XXXX etc and nothing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I was behind on payments being made to a Wells Fargo credit card account. I set up some type of payment arrangement with them but I could never see if I was caught up on making these payments as the new payment arrangement never showed up in the account and still told me I was past due. Furthermore they continued to report the amount as being past due the same amount even though I had been making payments. I had letters sent to me in the mean time saying I could not receive any more relief at the same time furthering my confusion on what was actually happening with this account.

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 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed with all 3 credit bureaus a old account that was closed in 2015 with negative information. They fell off and my credit score jumped 60 points. The following month they reappeared and my credit score dropped 60 plus points. This has been going on for months. Ive called the company that issued the car loan, transunion, XXXX etc and nothing. Please help 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
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed with all 3 credit bureaus a old account that was closed in 2015 with negative information. They fell off and my credit score jumped 60 points. The following month they reappeared and my credit score dropped 60 plus points. This has been going on for months. Ive called the company that issued the car loan, XXXX Equafax etc and nothing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: FISERV FINXACT CORE
State: GA

Complaint narrative:
On XX/XX/XXXX there were over 50 unauthorized transactions to my account. Upon checking my account my funds were depleted to XXXX with the transactions totaling over {$2000.00}. I spoke with the bank and they informed me that they would send over a form and investigate the transactions. During this time I completed all the forms and returned every piece of evidence that I had to prove my innocence which was frustrating because I was the victim in this situation. I included screen shots of the device screen time which was clear evidence that the charges were not made myself or any authorized party. After weeks I received a letter stating that my claim was denied and the case was closed and not to be reopened and that I could call for further information which I thought was very odd since there was supposed to be a investigation. During the month of XXXX my account was compromised again this time for almost XXXX and after calling this time I received the same form but this time the turnaround for the denial was much quicker within days for a few of the transactions they never sent over the form at all which was very discouraging. Before the transactions in XXXX I signed up for fraudulent alerts and this did not happen. I am currently working with an attorney to assist me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
PennyMac VA loan. They were not taking out Real estate taxes so taxes paid late but only after I called them. I wanted to pay on my own so there not late. now they say I can not. This is a VA loan. i wish I had number to VA to let them know. Tax would have been {$1600.00} but because there incomitance {$1700.00}. I want to pay myself. 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Somebody stole my banking information and tried to upload fake checks and my account closed due to fraud and it wasnt me Im unable to open my XXXX account because of this revolving issue

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 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have asked the company to update the information it is reporting on my credit. the account is paid and the company keeps on reporting that it is derogatory.

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 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On numerous occasions I have reached out to the credit bureaus to correct my account status from charge-off to included in bankruptcy and have been unsuccessful in having this removed/updated. I would like to have this done as quickly as possible because this is causing me some problems in establishing a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have asked the company to update the information it is reporting on my credit. the account is paid and the company keeps on reporting that it is derogatory.

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 2021-03-15 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: NY

Complaint narrative:
I submitted a letter to Equifax regarding an inaccuracy on my credit report from XXXX XXXX XXXX  XXXX in the amount of {$6200.00} and informed then that this is not my account, please removed from my credit file. They have not responded to my letter or demand to comply letter and they have continued to damage my credit. I need this removed from my credit report ASAP! They keep putting the same delinquent account on my credit report every month bring it down each month. I need this removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: MI

Complaint narrative:
About one year ago, The Bureaus placed a collection on my credit report. This was originally a XXXX XXXX card, that was a XXXX store card. My father in law, XXXX XXXX opened the account soley, and only listed me as an authorized user. I did not sign for the card. 

My father in law passed away on XX/XX/XXXX. I was not notified of the balance on the account until this was placed on my account. I disputed this with XXXX, and XXXX XXXX and the company responded that the debt was valid. 

I called the number on my credit report associated with this debt. I did not reach the Bureaus, but reached XXXX XXXX. They stated they are a third party communicator for the Bureaus. I have 21 documented phone calls to this company requesting proof of signature to show I did not use this account. They stated on several occasions that they had requested this information from the Bureaus but it was never sent back. I then requested the original signature card to prove I didn't open the account or sign for anything. This has been requested twice, the last time being XX/XX/XXXX. I still have not received this, and XXXX XXXX is so frustrated with me calling that they gave me the number to the Bureaus. In the past, when you call the Bureaus, the phone loops you right back to XXXX XXXX. 

I have called the Bureaus 8 times in the last two weeks to obtain the signature card that was requested and never supplied, which violates the FCRA. They hung up on my twice, transferred me to XXXX XXXX twice, and never returned my calls. 

This invalid debt has stopped my refinance on my home. I have tried to resolve this several times under the law to no avail. I have requested proof of debt, and have requested the original paperwork when the account was opened even from XXXX XXXX. They stated they no longer have the documentation as the account was sold over 4 years ago. 

I have just disputed this with XXXX  again, in hopes to get this corrected. I have followed all the rules, and have asked for documentation under the law. I have requested transcripts of recorded calls from XXXX XXXX, and have been told that I they can not release those. 

I am desperate to have this resolved. I supplied my father in laws death certificate to both collection agencies, and XXXX XXXX acknowledged that my name NEVER appeared on any statements, but refuses to send me a transcript of that phone conversation. They also refuse to send me transcripts for the calls in which I requested information that was NOT supplied within the 30 day period under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 XXXX, I've sent my dispute letters to the 3 Major Credit Bureaus but haven't received any notification nor details from their investigation. To this day, over 30 days later, I feel like I'm being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WI

Complaint narrative:
XXXX XXXX  Fire Department XXXX XXXX XXXX XXXX XXXX sent me a bill. The problem was, the address was incorrect. I never received the bill nor did I receive any phone calls. They stated that that they called my cell phone but never left me a voice message ... .therefore I never knew that there was an outstanding bill. 

I NEVER received a phone call message OR bill via Americollect either. 

The first that I was made aware of ANY outstanding bill was XX/XX/2021 when the " Collection '' appeared on my credit report. 

I IMMEDIATELY paid the bill via XXXX XXXX XXXX ( Conf number XXXX ) Americollect told me that there was nothing they could do re : my credit report. 

How can pay a bill when I never received it?? 

Apparently, the billing department had my address listed in XXXX WI and not in XXXX, WI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: NY

Complaint narrative:
I submitted a letter to XXXX  regarding an inaccuracy on my credit report from XXXX XXXX XXXX  XXXX in the amount of {$6200.00} and informed then that this is not my account, please removed from my credit file. They have not responded to my letter or demand to comply letter and they have continued to damage my credit. I need this removed from my credit report ASAP! They keep putting the same delinquent account on my credit report every month bring it down each month. I need this removed immediately!

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