vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX I called Caine & Wiener To talk about it that they had previously had XXXX that they bought out. I spoke with a lady about doing a payment to delete in a settlement that we both agreed at {$40.00} to process a pay to delete. I was very clear about me paying this debt off as assignment as well as a payment to delete and the representative told me yes this would delete the dead and Im a get a letter in the mail in 30 days after completing this. The representative took my information and card number and processed a payment and told me I would get a letter in the mail in 30 days. After looking at my credit Ive seen that this account has been closed but not deleted off my credit score which was what we did not agree upon. I called her I presented today and was informed that since I made a settlement that it would not be a deletion but a closed account which was not what I was informed last time when I called the company. The company lied about what they would promise me in order to see a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I noticed XXXX charges on my card that were not mine. I immediately called Citi and after a few transfers I spoke with a very nice gentlemen and we went back through all XXXX charges for a few months while I looked in my XXXX app and figured out which ones were mine and which were fraudulent. I only had a couple that were mine this year. They cancelled my card and sent me a new one. A few weeks later I noticed more XXXX charges. I called again and spoke to some who said she would dispute them and did not need to issue a new card because the charges were still coming in on the old number but I would not see any new ones. A few days later and four more XXXX charges I called again and asked to speak to the fraud department directly. I was transferred multiple times. Then an incredibly rude woman asked me some question about my phone and personal things then said she was done. She then said this information would be passed to Citi. WHAT?? That set me off. I said you just asked me all of those personal questions and you don't work for Citi? After almost an hour on the phone she hung up on me. I can't believe I gave all that info and she was a third party. Citi should absolutely disclose that. Here we are the next day and two more XXXX charges are charged to my account. There are now 19 charges and counting totally over {$1200.00} and noone from Citi will do anything about it. She didn't even offer a new card she just simply hung up on me. Citi Bank has the WORST customer service and can't seem to even rectify a simple situation. Hanging up on me after 53 minutes of waiting on hold. UNREAL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13 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: FL

Complaint narrative:
I found accounts in my credit report that I do not recognize. I do not jnow these accounts and I ask you to remove them as soon as possible. I can not have them in my profile before I apply for a mortgage. 

These are those fake accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX 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 2021-08-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I found accounts in my credit report that I do not recognize. I do not jnow these accounts and I ask you to remove them as soon as possible. I can not have them in my profile before I apply for a mortgage. 

These are those fake accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: FL

Complaint narrative:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2021-08-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Representatives from this debt collector has been repeatedly calling, seeking someone whom I DO NOT KNOW, for a while, even after I'd told them to cease calling and that I do not know whom they seek! CID said : " Transworld Syst, '' " ( XXXX XXXX XXXX '' on XX/XX/21. However, these reps have called using other numbers, including XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sterling Credit Corp.
State: PA

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 decided to look at my credit reports from the 3 major credit bureaus and found that this STERLING CRD was reporting to be negative on XXXX. I have 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 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 2021-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
XX/XX/2021 amount {$710.00}. Submitted International transfer to XXXX to be available immediately in the recipient 's account. Remitly company sent me an email indicating money has been successful deposit into account. Which is not true. The local bank of recipients has confirmed that remotely hasn't sent any funds on my behalf to be deposited. I have all evidence and ask them for refund but they are not willing to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im a longtime customer of Bank of America. In the last year, when paying bills using the banks bill pay system, I have incurred interest payment charges on credit card accounts because of delays by the bank in processing scheduled payments. 
The bank extracts funds from my account when scheduled, but in the latest instance has taken four days to process a payment to XXXX XXXX. As a result, I will incur interest charges for the month and my credit score will drop. 
There are no paper checks being issued ; this is an electronic transfer. The only reason for such a delay is to benefit Bank of America by keeping my funds on its books, but its practices yield a financial penalty to consumers. 
The CFPB should halt this practice. 
I look forward to hearing your feedback, 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 2021-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am a XXXX XXXXXXXX mother and I am being exploited by the TD Bank Assistant Branch Manager of the XXXX XXXX XXXX. 

The TD Bank Assistant Branch Manager intentionally converted a personal injury check and then stole a portion of those monies from my account that she forced me to open so she could have " easy access '' The TD Bank Assistant Branch Manager changed my account so I didn't have insurance coverage when there was a hail storm and I was unable to make necessary repairs. 

The TD Bank Assistant Branch Manager has wrongly increased my monthly mortgage amount. 

The TD Bank Assistant Branch Manager keeps sending Foreclosure notices that I am one or two payments behind, when i am not behind, and my mortgage is current. 

The TD Bank Assistant Branch Manager knows that I am attempting to refinance my home, and I was just 2 days past the 10 day grace and my credit report was docked down XXXX points. 

I am being XXXX XXXX  and XXXX XXXX by the TD Bank Assistant Branch Manager and she is using her power and authority as a TD Bank Representative to hurt me, and cause XXXX, pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMA Credit Association
State: TX

Complaint narrative:
As of today, XX/XX/2021 I received a notification on my credit file that a company by the name of RMA Credit placed a balance in the amount of {$1100.00} on my XXXX credit report. 
I am not aware as to whom this company is, neither am I aware of the services that this company offers. This same company has attempted to place this information on my credit report and I had to bare through the pain to go through the hassle to get the information deleted from my report, due to me NOT having any information associated with this company. I have not ever applied for anything with this company and once again, I am unaware of the services that are offered and would not recommend that anyone deal with this company in any type of manner.

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 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for a Chase " Amzazon '' credit card offer ; received denial letter dated XX/XX/2021 that the account can not be approved due to already have an account of the same type, ending in XXXX. 

This is inaccurate, and I just completed a full credit report, confirming that no such card exists. Therefore, either there is an account fraudulently opened in my name or there is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
FRAUDULENT INQUIRE INFORMATION OM MY CREDIT REPORT I HAVE CONTACTED EQUIFAX AND JUST GOT A CONPUTER GENERATED RESPONCE I NEED THIS INVESTIGATED CORRECTLY AND REMOVED FROM MY FILE ASAP XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX ( AZ ) XXXX XXXX ( AZ ), XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In the fall of XXXX I had a tree fall on my home and Insurance covered a lot of the repairs but we did need to make some on our own and Chase gave us a deferment on the mortgage because of this. The deferment ended XX/XX/XXXX which is when COVID began and I started making phone calls asking for a loan modification which was denied but I was told if I brought my loan to being less than 90 days late I could get a COVID protection which I then struggled and made a lump sum payment on XX/XX/XXXX so that I could be approved for the COVID protection and defer my payments with a balloon payment at the end being one of the options I could choose. I was on COVID protection until XX/XX/XXXX. During which time I kept in touch with Chase and asked several times what would happen at the end of the COVID protection and if a balloon payment or extra payments added onto the end of my loan was still an option and I was told several times that was options. Now in XX/XX/XXXX I am being told by Chase that I am not approved for any type of balloon payment at the end of my mortgage or putting the payments on the back end of the mortgage because my loan was not current when I started the COVID Protection, the reason I was not current is I had a deterrent due to the tree falling on my home. I was not told that it was something I had to get approved for I was told it was something I could choose to do. I am now being told I dont have any options except to pay the 18 months of missed payments up front or in a 6 month payment plan or sell my home. I just want the missed payments during the COVID protection put at the end of my loan in either a lump sum or missed months added on in months at the end like I was told I would have the option to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Subject : Disputing Information in Credit Report To whom it may concern : SEQUOIA FINANCIAL SVCS Acct # XXXX You are reporting XXXX XXXX as a collection account on my credit report. This is inaccurate reporting and needs to be removed immediately. I called XXXX  on XX/XX/21 as I notice I still show inaccurate reporting on my credit report, per the representative they have not received any information from Sequoia as of today. I called Sequoia XX/XX/21 spoke with XXXX XXXX who informed me they sent deletion notice to XXXX  XX/XX/21, I than proceeded to call XXXX  again and they confirmed they have not received anything at all from the Sequoia, she also mentioned when they receive notice, they remove it right away with 24-48 hours. I called Sequoia again spoke with XXXX XXXX and requested to send it again to the bureau since it was never received! Please send me confirmation this account has been removed from my account. of my credit report when Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XXXX XXXX XXXX ( TD Bank Retails Services for XXXX ) have reported unauthorized charges to the credit report agency, which impacted my credit FICO score to go down from Excellent to Good. The entire amount charged ( {$570.00} ) to my account had not been authorized at any point by me. Due to being concerned with the credit report score and my employment safety, I went as far as trying to pay TD Retails and XXXX. Even though I did not authorize this purchase and charges, and due to the TD Bank harassment and phone 's stalking, I tried paying the original amount of {$220.00}, which is the original unauthorized amount. I paid with my XXXX XXXX and XXXX  XXXX XXXX, but both banks declined the payment without any fault/ action by me. TD Bank continued harassing me further, added more penalties to these unauthorized charges, which inflated the amount to {$570.00}. I had no luck to reach anyone with XXXX XXXX and TD Bank consumer rep refuses any other form of payments including checks even when Offred them ACH payment from my bank. I recently provided by phone call to TD Bank rep on XXXX XXXX another bank account to pay these unauthorized charges to stop the continued harassment of TD bank consumer accounts for XXXX. Payment posted to my account for {$220.00} in XXXX XXXX, XXXX yet TD bank got blocked by XXXX  XXXX XXXX not due to any fault of mine or action by me. I have NOT authorized any of these charges and/ or fees, which I have been harassed by ( TD Retails Bank consumer account for XXXX ) to pay. 

Please Note : At any point there was no any kind of knowledge or any kind of notification or any kind approval to such services by me. I have fully paid the full amount ( cost ) of the device ( XXXX XXXX  XXXX ) within one month of purchase and did not finance nor authorized any coverage services. My credit has been excellent. XXXX financial retail services baseless claims and their unauthorized actions have damaged my credit. I need your help please. I have been seeking attorney 's services to fix these illegal activities and charges, but all of the legal counsel I spoke to had pointed me to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
The BMO Harris Bank branches in Wisconsin, under the leadership of XXXX XXXX, have been running a soft pull on credit reports for new checking account customers. they've been doing this since at least XXXX. While this is indeed disclosed to the customer, it is explained as part of the approval screening process for the checking account. However, Retail President XXXX XXXX has directed branch staff to use that report to uncover lending opportunities, for consumer loans and home equity loans. At XXXX XXXX 's direction, they have also shared that credit report with the MLOs. XXXX XXXX has directed branch staff not to share with the customer how they know about the lending opportunities they uncover, not to share with them the details the branch staff uncovers, and not to tell anyone that they share the credit report with non-branch staff ( the mortgage lending department ). I personally witnessed this process as a branch manager at BMO, and it still goes on today. XXXX XXXX has a history of such shady behavior, as he was previously part of all the fraud scandals as a leader at 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 2021-08-13 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: Clark County Collection Service
State: NV

Complaint narrative:
Clark County Collection Services ( CC COLL SVC ) is still reporting a collection to my XXXX  report that is over 7 years old. They are also re-aging the debt to make it look newer than it actually is. I called CC COLL SVC on XX/XX/XXXX and spoke with XXXX ref # XXXX. I asked for validation of the debt and was informed the original collection was from XX/XX/XXXX, and will fall off at 7 yrs = XX/XX/XXXX when reaches 7 yrs old. 

It's now 7 yrs old and it's still reporting. Property Addr was : XXXX XXXX XXXX XXXX. 

I demand this collection be removed from my XXXX  report as it older than 7 years and should have been removed by now,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have received several communications by mail from Navy Federal Credit Union, none of which state that they are attempting to collect a debt and have used symbols on envelopes and its contents, which is a violation of 15 USC 1692f ( 8 ). Navy Federal Credit Union is also in violation of 15 USC 1692d ( 1 ), they have reported information to the consumer bureaus that has done harm to my reputation. On XX/XX/2021 I mailed Navy Federal Credit Union an affidavit of truth, a cease and desist, an invoice, and exhibits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
will not correct information after proof as been summitted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief