vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/21, I received a phone call with the ID as " TD BANK '', and the number was the exact number on the back of my debit card. I was on the way home from a 12 hour shift and was mentally exhausted ( I work in XXXX XXXX  ), and was told there was money being stolen out of my account through XXXX  on my mobile app as several bank transfers. I immediately started to panic because I struggle financially and can't afford fraud. I was suspicious off the bat, however the fact that the phone number was literally the number on my debit card, I thought that it was trustworthy ( plus I'm supposed to have some sort of fraud protection right? ). So I approved the transaction while the woman from the " bank '' was on the phone with me and walked me through what I thought was denying the transaction, but turned out to be approving it. The money totaled {$2500.00}, which put my account into the negative by {$1100.00}. 

I went to the bank a week later to check on the " claim '', and was told that there was no claim and that it was fraudulent. The bank then told me to wait from the fraud department to handle it and call me. This ended up taking weeks until I was finally denied my claim on XX/XX/21, and then again on XX/XX/21 with the same reasoning. 

I now just received a phone call from TD telling me that I am now in collections for that XXXX, despite the fact that this money was taken from me, and I have called their fraud department upwards of 10 times and waited on hold for over an hour multiple times. I do not have the money to pay this, as all my money was just stolen, and the bank has cleaned their hands of this entirely. I am practically begging for some sort of assistance, so I would really appreciate a call back asap. 

Thank you so much for your time and help P.S. I do have documents from the bank to explain this, however it has much personal information on it and the directions here explain not to share that, so I will wait for some sort of contact first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I RECEIVED A LETTER OF DENIAL FOR A CREDIT CARD.ENCLOSED WAS 3 REPORTING AGENCIES PROVIDING THE CREDIT CARD COMPANY WITH INFORMATION WHICH RESULTED IN THE NEGATIVE DECISION.I CONTACTED 2 OF THE 3 AND SUCESSFULLY RECEIVED ASSURANCE OF MY REPORT BEING FORWARDED.TRANSUNION TOTALLY AUTOMATED. " SELECTIVE HEARING '' TO MY ANSWERS.WRONG ANSWER IN THEIR OPINION SUCH AS WHERE I NOW LIVE SAME AS WHERE I RECEIVED LETTER OF DENIAL SAME AS OTHER 2 AGENCIES AKNOWLEDGED AND I WAS FORCED TO START OVER AND OVER IN A LOOP.I WAS TOLD TO CALL BACK WHEN I HAD CORRECT INFORMATION.I CONTACTED THEIR CUSTOMER SERVICE AND WAS GIVEN A THIRD TOLL FREE NUMBER TO SPEAK TO A " LIVE '' CSR.NOT SO.WORSE LOOP.NOTHING CORRECT, DRIVERS LICENSE BIRTH DATE SS NUMBER ALL '' WRONG '' AT SOME POINT.DEAD END.CANT REQUEST ANYTHING.LOCKED OUT.

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 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CREDIT COLL ( Original Creditor : XXXX XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: TX

Complaint narrative:
Back in XXXX I submitted my complain to the company and they still are half doing their jobs. XX/XX/XXXX I submitted a FTC and a CFPB to the company about fraudulent activity on my account. I wanted inquires removed off of my credit file that did not belong to me. Luckily there were no account opened, but inquires did appear on my credit report. In the first CFPB the company removed some, but not all of the inquires. To only half complete my claim is unfair and unlawful to me. Please rereview this information and correct the missing information or provided the results of the first investigation stating that these inquires should remain on my credit file. 

I have resubmitted the documents with highlighted the missing inquires that they failed to remove. As well I will list them here : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Notification of results must be provided and it is extremally unlawful to not provide the results of your investigation. Hopefully this time we will not have to have the same results. 

Attached are the original documents provided with the first CFPB and the original FTC. Along with the results of the first CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: DE

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on SOURCE RECEIVABLES MNG ( Original Creditor : XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX. That is the cfpb complaint from the first time. It was removed and now its back with a new company three years later. I haven't had XXXX  service since 2013. This is crazy.

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 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: DE

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau 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. 
XXXX XXXX ( Original Creditor : XXXX-XXXX  XXXX. XXXX. XXXX  )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
The Debt to Phoenix Financial Services is inaccurate and the ORIGINAL CREDITOR XXXX XXXX XXXX XXXX Hospital Acknowledged on XX/XX/2021 that the debt was paid in full by the updated insurance carrier that was effective at the time. XXXX XXXX XXXX received a full payment of the bill that was improperly billed by their staff on XX/XX/2021. I brought the information to to debt collector and the credit bureau and they are stating a debt is still owed when there is a {$0.00} balance for the date of service in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
They keep closing ym account. In 2020 they closed my account for no reason at all! I did absolutely nothing wrong but because im a young XXXX man they assume im trying to do something wrong with my account if I try to send money with XXXX to another bank account because chase is walking distance to my home vs the other bank I use. It makes no sense these people are XXXX!!! 

I got a auto loan with chase a month ago and i had my online account setup so I can view my account details and pay my bills. Today I added a checking account planning to direct deposit my salary into chase and use chase instead as my bank because I prefer the app and online website. Hours later when im trying to sign in they locked my online account and I called and they won't provide any info as to why I can't have a checking account. if there's no reason its obviously racism. 

Not only did they lock my checking account I can't login to my online account to view my auto loan and pay my bill. They want me to miss out on paying my bills so they can now destroy my credit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Recovery Solutions, LLC
State: NJ

Complaint narrative:
Asset Recovery Solution appear on my consumer report. I have not done any business with this company or provided express written consent to have them provide damaging information on my consumer report. This is a violation of my privacy under US Code 1692.

They also put on my consumer report that I owe them an alleged debt. 

I want their information removed from my consumer report asap and removal of any alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: DE

Complaint narrative:
I currently have XXXX cable, internet & phone services. My account is current. It is approximately {$260.00} each month. I received a collection notice from a company asking for {$93.00}. I've called XXXX, no definitive answer. I asked how is it I would have current services if I had never paid you {$93.00}. Further more, over the past 12 month period alone, I've paid approximately over {$3000.00} to XXXX. It baffles me how my services remain on & I make payments each month, but somehow this {$93.00} in collections is on my credit report and impacting my score negatively. It has contributed to increased interest rates with other lenders & even credit lines decreased as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Receivable recovery XX/XX/2021 VIOLATION of 15 U.S. Code 1692c ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

VIOLATION of Code 1692g VIOLATION of 15 U.S. Code 1681b

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 2021-09-28 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and it has been over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX on Experian. XX/XX/XXXX on XXXX Credit Limit : {$500.00} on Experian. {$0.00} on XXXX Last Reported : XXXXon Experian. XXXXon XXXX Date Last Active XXXX XX/XX/XXXX on Experian. XX/XX/XXXX on XXXX Date of Last Payment : XX/XX/XXXX on Experian.XXXXXXXX on XXXX This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my Experian and XXXX. 

This is a violation of reporting false information BY XXXX  on my credit 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 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Identity Theft victim someone stole my personal information, like my SSN, BIRTHDATE, USING TWO FRIVOLOUS ADDRESSES & PHONE NUMBERS TO OBTAIN FRAUDENLTY APARTMENTS IN MY NAME. APPLIED FOR ALOT OF CREDIT CARDS IN MY NAME.

CAN SOMEONE PLEASE HELP ME ASAP TO FIND OUT IF MY NAME IS BEING USED FOR REAL IB THOSE ADDRESSES. I FOUND ALL OF THIS ON MY TWO CREDIT REPORT : XXXX & TRANSUNION BUT I CANT GET ONE FROM XXXX. 
XXXX INQUIRY DATE XX/XX/2021 PERSON USED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA TO APPLY FOR CREDIT

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 2021-09-28 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: EQUIFAX, INC.
State: TX

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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft. Please delete the items as soon as possible. I have no knowledge of these Fraudulent accounts my information was impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We tried to refinance our home with Wells Fargo, our mortgage loan servicer. Our current rate is 4.25 percent ( 30-year fixed ) and we have been with Wells Fargo for over 10 years. Our loan balance is {$270000.00} and our home is currently valued at {$700000.00}. I have a good credit and would like to lower the interest rate. Wells Fargo concluded that our home is considered as an investment property since I am not physically present in the house all the time. I am a XXXX XXXX XXXX XXXX  and I am currently stationed in XXXX XXXX. While I am away members of my immediate family including my wife and adjust children live in the house. This is our primary residence and we do not rent it. I explained this Wells Fargo multiple times and they concluded that our home is considered as an investment property and the interest rate they offered is higher than that of primary homes. The only conclusion I could come up is that Wells Fargo prefers to keep us locked in at the 4.25 interest rate so they can make more money. I think this is an improper business practice and I would like to submit a complaint. 

Loan application : number 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 2021-09-28 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: TX

Complaint narrative:
Recently, I submitted disputes to the consumer reporting agency TransUnion. I do not agree with their response and I was never sent a copy of my credit file. Pursuant to 15 USC 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Attached below is a cease and desist I sent to both XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX in which I told both companies to cease communications. Communications involves reporting to consumer reporting agencies. Especially after both have failed to offer proper validation of debt and full material disclosure. XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX XXXX replied with a cardholder agreement and statements that did not include my debtors rights or contract pursuant to 16 CFR 433.2. 

I am a victim of identity theft and kept requesting XXXX XXXX to send my original contract and they never could. Therefore I have filed an identity theft report, upon 4 days of receipt of this identity theft report, please immediately remove all associated accounts on this report pursuant to 15 USC 1681-c-2.

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 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent documents and FTC report months ago never got the results of my disputes this is really getting annoying waiting 30-45 days for them to fix an error that should of never been on my report in the 1st place. 

I sent letters over several month now and still havent got any update or changes to my report... there are unauthorized inquires on my report and child support that are incorrect And should not be reporting on my credit profile also they ( TRANSUNION ) have failed to provide any information about how they verified the alleged debt and inquires. No documentation has been sent to me with my wet signature and I am the only person who can validate these alleged debts I DO NOT VALDATE THE DEBTS AND THESE ITEMS NEED TO BE REMOVED YESTERDAY THEY ARE IN VIOLATION OF THE FCRA section 623 ( c ) 1681s-2 reporting inaccurate information. Its illegal to report information that you know is inaccurate. 15 U.S. Code 1681b - Permissible purposes o
f consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

AND 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) you must delete the inaccurate or incomplete unverified within 30 days

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