vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Prior to the Coronavirus Pandemic and the Governor 's order to " Stay-at-home '', thus shuttering all non-essential businesses, all known business credit accounts with American Express were in good standing. 

On XX/XX/XXXX Governor XXXX XXXX ordered the closure of all non-essential businesses. As acting XXXX for a legally formed business entity, I phoned American Express on XX/XX/XXXX at exactly XXXX XXXX ( PST ). During this 33 minute call, I made it known that the business I represented had been impacted by the COVID-19 Pandemic. I asked specifically if there were any type of payment assistance or forbearance plans available. The answer I received was, " no '' they had nothing to offer. 

I explained to the customer service agent, that due to the mandatory closure of non-essential businesses, revenue would be interrupted and we would no longer make regularly scheduled payments until the emergency was lifted, and the business cleared to re-open. It was at this time the customer service agent agreed to remove the automatic payments being drafted. At that time point in time, the payment for XXXX had already been posted to the account, and was current and good standing. 

A few days earlier, XX/XX/XXXX the U.S. Congress passed into law, the CARES Act which gave banks and credit card companies strict guidelines for waiving minimum payments for debtors while still accruing interest on their balances. In addition creditors were forbidden to report any new negative activity. 

Within a few weeks after the passage of the CARES Act, I began  receiving ominous calls from American Express. The pre-recorded messages asked me to log into my account to resolve an important matter. However whenever I logged into my Business Accounts, there were no banners or links anywhere on the American Express site to request payment assistance or forbearance. 

On XX/XX/XXXX, I became aware American Express filed a Charge Off in the amount of {$2300.00} on my personal credit bureau profile. The account number reflected was erroneous and made up. I have no record of this debt. 

If however this amount is meant to reflect a business account for which I am the XXXX, then I believe American Express ' attempt to collect should be levied against the business entity. Not me as its employee. 

Furthermore, the CAREs Act is supposed to protect consumers during this pandemic against unjustified negative credit reporting activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: CA

Complaint narrative:
I have been sending certified letters to XXXX XXXX XXXX, my account # XXXX XXXX XXXX XXXX, to update and report correctly to the credit bureaus. I have been diligently paying my store credit card and have gone beyond expectations to ensure that my balance has been brought down in order for me to keep a valuable relationship with the store and also repair my credit report/score. I met the expectations of the company and beyond, making additional payments on a regular basis. Now my balance is down to {$800.00} and my credit report shows {$1400.00} dated XX/XX/2020. I am constantly calling and requesting this to be updated and their process, and also sending certified letters. No response via mail and via phone the representative simply states it is up to the credit bureaus. 
To date no credit bureau, XXXX, TransUnion or XXXX have my correct information. 
I am sincerely trying to repair my credit and would like current accurate information in order for me to do so. Incidents like this prevent me from pursuing other creditors or stores. 

Thank you XXXX XXXX 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 2020-08-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been sending certified letters to XXXX XXXX XXXX, my account # XXXX XXXX XXXX XXXX, to update and report correctly to the credit bureaus. I have been diligently paying my store credit card and have gone beyond expectations to ensure that my balance has been brought down in order for me to keep a valuable relationship with the store and also repair my credit report/score. I met the expectations of the company and beyond, making additional payments on a regular basis. Now my balance is down to {$800.00} and my credit report shows {$1400.00} dated XX/XX/2020. I am constantly calling and requesting this to be updated and their process, and also sending certified letters. No response via mail and via phone the representative simply states it is up to the credit bureaus. 
To date no credit bureau, Experian, XXXX  or XXXX have my correct information. 
I am sincerely trying to repair my credit and would like current accurate information in order for me to do so. Incidents like this prevent me from pursuing other creditors or stores. 

Thank you XXXX XXXX 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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft

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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I regret that I could not find anything in the above problem checklists that applied to the following problem. I hope you can accept this complaint, however, and forward it to the appropriate dept. 

My credit rating going into XXXX of this year was XXXX, a level reached after many years of gradual improvement. 
During XXXX, in an effort to improve my score even more, I made an extra payment on every account, paid off several completely, and took no other action that could possibly prevent a further increase ( no new or cancelled credit cards, no increases in credit, no new accounts, etc. ) In XXXX, my credit rating was nevertheless REDUCED to XXXX!!! 
In the past, whenever I complained to the credit agencies ( XXXX, XXXX, and Transunion ) about an inexplicable reduction, the only response was unintelligible generalized boilerplate or a voluminous printout of my past credit accounts ; but neither clarified the reason for the downgrade - and repeated followups yielded exactly the same useless response. 
Your assistance will be deeply appreciated ... ... ... ... ... ... ... ... ... ... .. 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 2020-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
Issue with : AmeriHome Mortgage Company , LLC XXXX XXXX. XXXX XXXX XXXX, NJ XXXX I have attempted with no success to address this with customer service ; I have only received promise of a return call that has not come. The following is a timeline outlining the issue : XX/XX/XXXX spoke to customer service rep re : having received a delinquent tax bill ; was advised to send the bill to XXXX XX/XX/XXXX sent email with attached bill XX/XX/XXXX received confirmation of receipt of email XX/XX/XXXX received more detailed response stating request will be processed in 3-5 business days and that If we are at fault for this late disbursement, any penalty or interest assessed will be paid from a corporate account and not the escrow account. 

XX/XX/XXXX received email with subject line Taxes Paid stating payment was sent from my escrow. Email stated 2 disbursements, one for County Tax Disbursement in the amount of XXXX ( the correct tax amount ) and one for City, Utility Disbursement in the amount of XXXX. There was no explanation as to the latter Utility Disbursement. This amount did not show on the tax bill. 

XX/XX/XXXX called customer service ; rep could not explain what the Utility Disbursement was ; stated he was submitting a request and that someone would call me back. He stated it was impossible for me to be connected directly via phone to anyone that could assist. My only option was to wait for a return call. This call has not come. 

XX/XX/XXXX contacted City of XXXX Treasurer XXXX XXXX ; he explained to me that, as of today ( XX/XX/XXXX ) payment has not been received. He also stated that when he calculated penalty and interest now due on the base tax amount, it equals exactly XXXX. 

It appears as though Amerihome is trying to camouflage penalties and interest that are their responsibility ( for having not remitted my real estate tax payment on time ) as a Utility Disbursement to illegally pay said penalties and interest from my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I requested, on line, for my free credit report and Trans union kept redirecting me to a page that requested my credit card number. I eventually reasoned that they needed this information as part of the I.D . info they needed to verify my identity and was signed up for credit protection service. I canceled the service within an hour and they charged me for a month of service, no cancellation offered or refund. They offer no way to correct this on line, and I could not find a phone number for Trans Union on their web sight. I XXXX the phone number and called them. I spoke to a customer service representative and she told me that I would have to call another phone number. I repeated the phone number and she verified that it was correct. When I called the number it is for the sales of a emergency medical device and nothing else. The person would not stop taking and I hung up on them and called back. This time I responded no to the question " are you or someone in your family XXXX or older '' When I responded " no '' the I was disconnected. I tried to call back again and received a recording that the phone number could not be made from my service area. Trans Union at best is a fraud company themselves using unethical business practices.

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 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
On XX/XX/2020 I sent a letter requesting debt validation from National Credit Adjusters ( listed as NCA on credit reports ). In the letter I informed them of my concerns from a negative entry they place on my XXXX credit report dated XX/XX/2020 and on my XXXX credit report dated XX/XX/2020. 

NCA did not provide me with written notice they would be adding any negative items to my credit reports within 5 days of entry, nor did NCA provide me with any verification of the alleged debt. 

I informed NCA of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), they are required by federal law to verify -through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my signature on it ) they have on file of the account in question. 

I informed them they have failed to positively verify the account and that it has hurt my ability to obtain credit and continues to negatively harm my credit score. I informed NCA Under the FCRA, unverified accounts must be removed and if since they were unable to provide me a copy of verifiable proof, they must remove the negative account in question. 

I requested that NCA removed the negative item from all XXXX credit bureaus within 15 days of the letter or I will proceed to file a complaint with the Federal Trade Commission and the Wisconsin Attorney Generals office. 

On XX/XX/2020 I was notified from XXXX that NCA did not remove the account, but instead listed it as a collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AR

Complaint narrative:
I open the account in a XXXX  store that told me wrong information about the monthly bill I received the bill for the month that was coming up I had not been over my 14 days return policy so I return the phones so I took the phone back and close the account now they trying to charge me for the phone and service I return. I called and talk with the company and explain what was going on and they still didnt remove the report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I had a credit card with XXXX XXXX. I authorized the card to be paid monthly from my XXXX XXXX   account Unknown to me, XXXX transferred my credit card to TD Bank. 

I saw a charge on my XXXX account for XXXX from TD Bank on XX/XX/20. I went to XXXX and filled out a form to dispute it, as I did not knowingly have a credit card from TD Bank. It was reversed on XX/XX/20. 

On XX/XX/20, there was another automated withdrawal from TD Bank, this time for XXXX. I later found out that that amount included the previous amount of XXXX, plus XXXX charges and interest. I told XXXX not to accept any charges from TD Bank, and tried to dispute it, but XXXX said I had to come in in person to fill out a dispute form, which I didn't want to do because of COVID-19. On XX/XX/20 they decided to reverse it without me going in person to the bank, which I didn't realize until later. 

On XX/XX/20 I realized that the TD Bank credit card was actually the XXXX XXXX credit card, and that the charge was valid, and I immediately wrote a check # XXXX for {$6.00} which includes another {$1.00} in fees. I contacted TD and offered to not ask XXXX to reverse the charge if they would remove the XXXX fees and interest. They agreed, and sent me a check for {$3.00}. 

On XX/XX/20 TD again charged my account for {$5.00}, which XXXX reversed on XX/XX/20, because I had previously told them not to accept charges from TD Bank. 

I can provide a copy of the check cashed by TD Bank. 

( 1 ) This mix-up was entirely TD Bank 's and XXXX XXXX  's fault. I was not informed that my XXXX XXXX credit card had been changed to a TD Bank credit card, so I did not recognize the automatic withdrawal from my XXXX XXXX checking account. Which is why I had the charge reversed. 

( 2 ) I paid the entire amount via check # XXXX as soon as I discovered the problem, and TD Bank cashed the check. 

( 3 ) TD Bank agreed not to charge me interest and fees as it was their fault for the mix-up. That's why they sent me a check for {$3.00}. 

( 4 ) I paid the entire amount due of {$3.00}. However, if TD will agree to remove the negative mark on my credit report, I will pay the additional {$3.00} in interest / fees. Since XXXX XXXX  did reverse the charge on XXXX because I had originally told them that a charge from TD Bank wasn't valid. Although I didn't know that XXXX would actually remove the charge without me going in person to fill out a dispute form, as they had said that they would not, but they apparently changed their policy due to COVID-19.

Please note that this is COVID-19 related.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I found out I had 2 different credit files due to name change by marriage. As a result, I had two different credit scores for Equifax. I called to have the two files merged. On XX/XX/XXXX, both credit files were deleted and removed all credit history. I spoke to a gentleman at Equifax whom spent time with me collecting all of my account and creditor information so they can be added back. The confirmation number for that call is # XXXX. On XX/XX/XXXX, I was requesting a credit line increase on my XXXX XXXX card with XXXX XXXX. They were unable to pull my report. I lifted the credit freeze and called them back to try it again. At the same time, I processed a request to view my credit report on www.myequifax.com, I received an error message. The next day, I experienced the same thing and XXXX XXXX was still unable to view my credit report. I have not seen an updated credit report in months, all because I changed my name and everytime someone fixes it gets worse. XX/XX/XXXX I call Equifax and requested to speak to a US representative, the customer service associate refused to transfer me. I explained dilemma and after reviewing my file preceeded to tell me there isn't an issue with my report. I requested to speak to a Supervisor and was left on hold for 30 mins. I hung up and called a different Equifax number. I spoke to another associate who was sympathic and kind enough to assistance but she was unable to view my report. She asked I call the Equifax Global Consumer Care at XXXX. XX/XX/XXXX I spoke with XXXX and they too were unable to access my Equifax credit file. As a result, I am unable to view my report and scores for XXXX and XXXX as well. XXXX I am currently on the phone with Equifax at XXXX CST. The associate would not transfer me to a US Representative but is kind enough to assist and look into this as well. So far, he does not see any issues with pulling my credit file. He is unable to find my MyEquifax account online and as of right now I, XXXX XXXX  and XXXX must be doing something incorrectly because " there is no issue accessing my report ''. Mind you that names on the XXXX and XXXX XXXX  requests match my credit file as XXXX XXXX XXXX and same address. I am beyond frustrated and unable to refinance my home, car or obtain any credit that requires an inquiry with Equifax. I have been resolving issue after issue with Equifax and have exhausted all avenues. Still sitting on the phone currently, 57 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi so I have been locked from my TD bank account a few days ago and have been locked for good, can't get the account back im done. But I can't get my money back, they are trying to figure out what is going on with an account that is only about a couple weeks old and want me to wait probably 30 days to get my money back actually most likely more. I have done research on this topic and have seen that TD is very slow with the responses and that they want you to forget about it pretty much until you actually give up. I can not do this right now we are in a pandemic I will not let someone hold my money for such a long time during these drastic situations and also close my account without warning completely out of nowhere. I have talked to many TD represenatives and even they haven't added much to my help at all, it's always in the hands of the investigation teams. The service I have received here has been ill and I will not wait so long for a check of money that should already be in my hands.

Company response to consumer: Closed with explanation