vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Someone else opened an account in my name via the XXXX XXXX XXXX, which appears to be administered by TD Bank, and made a purchase of {$1400.00}. I did not open this account. On XX/XX/XXXX, I received a collections notice from TD. This was the first I had heard of this account. On XX/XX/XXXX, I spoke with XXXX ( ID XXXX ) from TD Bank, who submitted a fraud claim on my behalf. On that day, I contacted all XXXX credit bureaus and placed a hold on my credit. I was told that an affadavit would be sent to me in 14 days. On XX/XX/XXXX, the affadavit was sent ( per the date on the enclosed letter ) ; I received it XX/XX/XXXX. The enclosed letter noted that I had 14 days to complete the affadavit. I completed the affadavit on XX/XX/XXXX and emailed it to XXXX, as instructed. On XX/XX/XXXX, I received a note, dated XX/XX/XXXX stating that my fraud claim was denied and enclosing a purchase receipt for the phone. From the receipt, I note that the purchase was completed online and the phone was picked up in person. It does not indicate that the person picking up was required to show any ID. The email address used for the purchase is not mine, and a search for the location of the XXXX address shows XXXX, XXXX. I do not live in XXXX, nor was I there on the date of purchase. 

In summary, my claim was denied based on incorrect information, and before my affadavit was received. Moreover, the denial of claim letter, addressed from XXXX XXXX XXXX, includes a phone number that appears to be XXXX XXXX 's personal phone number, which has gone to voicemail on the XXXX XXXX I have called it since receiving the denial of claim letter. I have called TD Bank twice to discuss this matter further, but have been told that there is " no fraud department '' nor is there anyone I can speak with. When I ask to speak to a supervisor, I am placed on an indefinite hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACS IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 

View customer complaints of ACS Inc. ( XXXX XXXX XXXX  ) From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Important Information from ACS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Creditor : XXXX Our Account Number : XXXX Original Account Number : XXXX Balance : {$50.00} ________________________________________ Dear, Despite our attempts to reach you, your account remains significantly past due. We would like to assist you in resolving your collection account. Upon resolution of your account, all collection activity will be stopped. It is important that we address your account promptly. Even if you are experiencing a financial hardship, we would like the opportunity to work with you towards a mutually agreeable resolution. Please keep in mind that unless you communicate with us, we can not assist you. Please contact our office as soon as possible to further discuss your account. 
Mail : To make a payment by mail please send your payment to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX Phone : To pay by phone or if you have questions about your account please call XXXX Online : To make your payment online please visit XXXX or click the button below CLICK HERE TO PAY Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXXXXXX XXXX  This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. 
CO : In Colorado : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. ( XXXX ) XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
NC : North Carolina Permit # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX North Carolina Permit # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXXXXXX XXXX XXXX This collection agency is licensed by The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B- A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose

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 2023-01-31 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B- A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I had my credit pulled to refinance my home. Theres a debt for {$860.00} approximately on my credit report as delinquent & is not my debt. I called the number on the debt, which was a lawyer group, & the birthdate, social security number & address are not mine. They stated that its another XXXX XXXX, but could not give me anymore information. Please have this debt removed from my credit report because its not my debt. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Upon checking my credit report, I noticed that {$5500.00} credit usage was applied on my credit report. Creditor name is COMENITYBKXXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I never apply or attempted to apply. I reported it to XXXX XXXX XXXX  Also, I called the Comenity Customer Care ( XXXX ) on XX/XX/23, but unable to reach them due to long waiting time over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 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: UT

Complaint narrative:
As XX/XX/XXXX I've called and spoke with customer service about a fraud that put on my account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Account # XXXX this company stated the account was open in XX/XX/XXXX I have told the agent was a victim in of fraud in XXXX as well and I assured they would ask for documentation of proof and today I received and email stating it's Verified as accurate.I request TransUnion to provide Proof of certified documentation of accuracy of this update to my credit file. This collection company is not licensed in my state nor did this company send my a letter of dispute by mail. I request proof of signature and proof what address when this account was opened.

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
Consumer complaint received 2023-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
Optum is the XXXX XXXX for my employer. I added a bank account for reimbursement of a procedure for my husband on their website XXXX. I waited the XXXX days and as of XXXX there were no test deposits to initiate a claim for reimbursement for the procedure. Each employee including supervisors provide different information. The supervisor XXXX that I spoke with on XXXX advised there was an issue and the account should have been confirmed. He offered to send the payment to me overnight if the bank account wasn't confirmed once the claim was processed or I could change the account and within 3 days see the test deposit. On XXXX, I changed to a XXXX bank account and here it is XXXX there has been no test deposits. On XXXX the uploaded receipt was sent and email to XXXX XXXX requesting a paper check overnighted to me. The claim was approved and a check has been issued without any response from XXXX XXXX XXXX XXXX she would get back to me and XXXX XXXX dated XXXX noted Monday ) with the overnight information. This company has been very hard to deal with. Everyone provides different information as timeframe and I paid for services yet the company has yet to reimburse me which is what they are holding funds for. I would like my payment sent to me overnight as I was told and it is now XXXX with no response from XXXX whose email notes she would respond XXXX. They have been incompetent in answering basic questions and finding the issue in their system to link bank accounts to receive funds quicker than a paper check in this modern time. I have screenshots the banking information is correct yet not receiving any deposits which is on the companies side not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: OH

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) reported a collection on all XXXX credit bureaus incorrectly for {$240.00} in XXXX of 2022 for myself and my spouse/co-borrower. I was never contacted by XXXX XXXX, but I did call them several times and offered to pay for the damaged carpet. They told me I would receive an invoice, which never came. 

However, since I am in the process of applying for a home mortgage with XXXX, I paid the debt in full since they agreed to send me a paid in full letter and would contact each reporting bureau and request the item to be removed. As of today, they have not contacted any agency. I have contacted all XXXX, uploaded disputes, Paid in Full Letter, DL and utility bill. XXXX removed the collection within XXXX hours. Transunion and XXXX have not. 
I have worked hard on my credit and this is the only collection noted in years. I wanted to fight the remarks, but my loan XXXX said to just pay it. 

Thank you

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 2023-01-31 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: National Credit Systems,Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX ( NCS ) reported a collection on all XXXX credit bureaus incorrectly for {$240.00} in XXXXXXXX XXXX XXXX  for myself and my spouse/co-borrower. I was never contacted by XXXX XXXX, but I did call them XXXX XXXX and offered to pay for the damaged carpet. They told me I would receive an invoice, which never came. 

However, since I am in the process of applying for a home mortgage with XXXX, I paid the debt in full since they agreed to send me a paid in full letter and would contact each reporting bureau and request the item to be removed. As of today, they have not contacted any agency. I have contacted all XXXX, uploaded disputes, Paid in Full Letter, DL and utility bill. XXXX removed the collection within XXXX hours. XXXX and XXXX have not. 
I have worked hard on my credit and this is the only collection noted in years. I wanted to fight the remarks, but my loan XXXX said to just pay it. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been banking with capital one for over a year and my accounts have been compromised multiple times I have gotten money taken away from me and my account closed and all they could tell me is I have to wait until they are done their investigation, why should I be penalized for my money being stolen from me, I have filed police reports and everything I need help my bills are due and I have $ XXXX tied up in a closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX. I purchased a car with a loan via Credit Acceptance. XX/XX/XXXX the car was totaled in an accident. My insurance paid off the loan. I missed a payment in XX/XX/XXXX due to the accident, And are refusing to close the account and damaging my credit despite the fact that my insurance covered the missed payment.

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 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
My experience with Mr. Cooper Mortgage has been nothing short of a nightmare. In XX/XX/XXXX, I lost my job of 27 years due to the impacts of Covid 19. My husbands employment also changed the same year. XX/XX/XXXX I was diagnosed with XXXX XXXX XXXXXXXX which required months of chemo treatment as well as a stem cell transplant at XXXX XXXX. Needless to say, the past two years has been a challenge for me and my family and to have the stress of not being able to prove to our mortgage company, of over 10 years, that we need assistance is disheartening. 

To date, I have submitted XXXX loan modifications ( XX/XX/XXXX, XXXX, XXXX and XXXX ) to Mr. Cooper and rejected each time because documents were not submitted, such as a quitclaim deeds, death certificates, etc, when in fact the documents were on file, some of them were on file for over 10 years and never researched before my loan modifications were denied. I was one advised that they approved the modification. However, I never received a phone call or correspondence in which I feel as intentional. For over a year, I have attempted to go online to make payments while we work through this process and the payment fields are grayed which doesn't allow the payment to be made. 

As of today, Mr. Cooper has pushed our account into pre-foreclosure status. The number of loan modifications I have submitted is proof that we want to resume mortgage payments and not have to continue to be stressed over this process. We feel as if Mr. Cooper is intentionally attempting to foreclose on the home that we've lived in for XXXX years, raising our children, and now our grandchild. 

We should NEVER have to fight this hard to do the right thing. We have not attempted to avoid Mr. Cooper and been cooperative beyond measure. Our fear is that they will reject our loan modification..again and put our home in foreclosure. 

Our ask is that you assist us in the loan modification process with Mr. Cooper in any way that you can. We would also like for Mr.Cooper to be investigated for the mishandling of our account and potentially other accounts/consumers. 

Thank you for your time and attention to this matter. 

XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: IL

Complaint narrative:
I want you to update this account as I am never late in 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 non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: SC

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: IN

Complaint narrative:
Trans Union is reporting an account through XXXX XXXX as open, even though it has been closed for XXXX  years. they are also reporting the date of first delinquency as XXXX of XXXX, when in fact it is XXXX of XXXX. I have confirmed with XXXX XXXX and they confirmed that the account is bother closed, and the date of first delinquency was in fact XXXX of XXXX this has been disputed with TransUnion XXXX times, and even though i provide evidence of my statements, they refuse to change it. they are inaccurately reporting my credit history which is a direct violation of the FCRA. Both XXXX and XXXX are reporting this account correctly, so I am unsure as to why TransUnion continues to inaccurately report. they have also clearly mishandled disputes

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
Consumer complaint received 2023-01-31 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: Possible Financial Inc
State: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation