vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: AK

Complaint narrative:
On TD Auto Finance website when you select single payment there is one line that reads Personal Checking Account Info : however no where in the terms and conditions does it state all transactions that are processed will be ran hard coded as an ACH checking transaction. Over the phone for single payments representatives ask if the payment is coming from a checking or savings account. If you setup the payment online to be recurring it gives the option to choose checking or savings. By allowing consumers to choose checking vs savings for over the phone but only allowing the consumer to choose if it is done as an automatic payment is deceptive. Hiding the wording in the title does not in fact change the responsibility of TD Auto Finance to disclose in their terms and conditions that all transactions submitted using the one time use payment function will be ran hard coded as an ACH Checking transaction. TD Auto Finance by running this transaction hard coded as an ACH Checking account despite the account being labeled as Savings in the description caused a {$25.00} courtesy pay fee on my checking account. On XX/XX/2021 I spoke with an agent and then also a supervisor in their customer support area regarding the online payment. Both agents did not feel there was an error made on TD Auto Finances side as there is the one line that states Personal Checking Account Info where you input your data. I disagreed and asked to file a complaint. On XX/XX/2021 I spoke with an agent in the complaints department who agreed with the other two agents that their website is clear that it would be pulling from a checking account. The terms and conditions that I agreed to state they are authorized to pull from the account number and routing number provided. The account the payment was pulled from was in fact a different account as the account number provided was my savings account number, however, due to TD Auto FinancXXXX hard coding the transaction as a checking account it was incorrectly routed to my checking account. The agent I spoke with in the complaints department confirmed that even with that being said their website is clear and no error is made. I asked for TD Auto Finance complaints agent to place their response in writing however he declined to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I notified Experian that I am a victim of identity theft, and sent a dispute thru my Experian account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am writing this Complaint because : PHH failed to pay my property tax ( for Q1 XXXX ) on time. The payment has been 2 months late. 

The property tax for Q1 XXXX, which is due on XX/XX/2021 ( per the invoice mailed by the XXXX XXXX XXXX has not been paid as of date XX/XX/2021 ( see attached ). The town has mailed 2 written delinquent notices ( see attached ) informing me of the issue.The documents have the contact phone number of the Township. 

As a customer of PHH mortgage, we have an escrow account where your company currently holds my money, which is supposed for the property tax payments. According to my loan agreement with PHH, all property tax payments are under PHH 's responsibility and it is the firm 's legal obligation to make the payment timely and accurately on my behalf using the funds in my escrow account. 

I, XXXX XXXX, have made several phone calls with the customer service representative and the escalation managers to raise the issue. The first phone call was on XX/XX/XXXX and the representative confirmed that the original Tax amount plus any additional interest would be paid in full by PHH Mortgage Services. However, I continued receiving another delinquent notice from the town ( with a new due date of XX/XX/2021 XXXX .I then submitted all the paperworks required by the escalation manager to the escalation services and to the Tax department several times. 

However, as I didn't see any progress made and my case was still pending verification, I made several phone calls back and was told by an escalation manager ( ID XXXX : XXXX XXXX XXXX that the team was still verifying the information and couldn't reach the XXXX township, thus the payment had not been made. 

I then called the township on XX/XX/XXXX and was able to connect right away. We were even able to conference the escalation manager into the call to verify with the officer at the township. The township confirmed that they always have officers taking phone calls and following up on voice-mails. 

As of date XX/XX/2021 we have made countless phone calls yet the payment has not been made. 

I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. 
You can reach out to me at XXXX or email : XXXX. 

Loan XXXX Names on loan documents : XXXX XXXX XXXX XXXX and/or mailing address : XXXX XXXX XXXX, unit XXXX XXXX NJ XXXX Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have had a lot of identity theft between my mom and my aunt. I have recently in the past few years tried to clean up some of the mess. I recently learned about credit. they have both done it to me and my sister. tried contacting company but they don't want to help me with situation. Saying things like why I couldn't get the money from them since they were family. one my mom XXXX  3 years ago and two they should have never let someone 20 years older than said person sis number. it is stopping me from getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
This company has provided false, inconsistent, and contradictory information to me regarding both our regular and supplemental taxes. One representative assured me on a recorded line that our supplemental tax would be paid and the late fee incurred would be covered by LoanCare LLC. Another manager told me that the supplemental would not be paid by LoanCare LLC at all. This company 's modus operandi is to pay the regular property taxes either at the very last minute or late. I was assured that our latest tax bill was paid, but when I checked with the county they informed me they had no record of a payment made or scheduled. This company has consistently told me one thing, then not followed through and when I contacted them, told me something entirely opposite from their initial statement. This has caused numerous problems with our refinancing, and it is clear this company is regularly operating outside of anything that would be considered an acceptable way of conducting business. It was not our decision to even have an account with LoanCare LLC., as our mortgage was sold to them. It honestly blows my mind that they are allowed to operate this way. I am currently attempting to close our escrow account with them, which I have been told is under review and they may not allow me to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: TX

Complaint narrative:
XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : NO RESPONSE XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : NO RESPONSE XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : SENT A BILL PRINTED FROMXX/XX/XXXXWITH ACCOUNT BALANCE STATING THIS PRINTED DOCUMENT IS CONSIDERED VERIFICATION XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : SENT COPY OF SAME BILL SENT IN THE PREVIOUS DISPUTE STATING DOCUMENT WAS CONSIDERED VERIFICATION XX/XX/XXXX : DISPUTED ACCOUNT INFORMATION. REQUESTED PROOF OF PREVIOUS REQUESTED INVESTIGATION FINDINGS. I ALSO REQUESTED ANY INFORMATION AND/OR DOCUMENTATION TO PROVE VERIFICATION. 

HOW IS THIS INFORMATION VERIFIED AND CREDIT REPORTS SHOW DIFFERENT " DATE LAST ACTIVE '' DATES? 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY

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 2021-04-07 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
this company is reporting to all three credit bureaus ( XXXX XXXX XXXX XXXX  ) on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain 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 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I first filed a complaint with CFPB on XX/XX/XXXX regarding this issue. 
On XX/XX/XXXX, XXXX XXXX XXXX provided " debt validation '' as response. 

This " debt validation '' document was impossible to read and completely illegible due to low resolution. After further communication with XXXX XXXX XXXX, XXXX XXXX, Division XXXX of XXXX XXXX XXXX, requested a clearer copy from their client, " Army & Air Force Exchange Service ''. 

On XX/XX/XXXX, XXXX XXXX forwarded me a clearer document from the client ( attached ). This document is a " Civil Recovery Demand ''. 

Under the FDCPA, a debt is defined as a consumers obligation to pay money arising out of a transaction in which the money, property, insurance or services [ being purchased ] are primarily for personal, family or household purposes ( 15 U.S.C. 1692a ( 5 ) ( 2011 ) ).

There was no transaction or any record of transaction between myself and the client, " Army & Air Force Exchange Service ''. There is no court action, pending or otherwise. There was no lawsuit or civil action. Therefore, this is not a " debt '' that is collectable.

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 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
USAA XXXX XXXX credit card had set up on automatic payments then all of a sudden Im late get a phone call stating that my account is past due. Then my limit was dropped below and now they raised interest rates up And I will never get it paid at this rate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed with all 3 bureaus since XX/XX/XXXX on accounts that should not be reporting late payments! After the 1st round of disputes didn't result in any responses from the bureaus, I submitted a 2nd round on XX/XX/XXXX and again today, XX/XX/XXXX. After 4 months of disputing, the bureaus should've at least sent me an acknowledgment of my disputes, they never even did that!

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 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Tulsa Adjustment Bureau
State: MO

Complaint narrative:
Hello! 

Recently, XX/XX/XXXX, I had an account known as TAB services out of XXXX OK, try to collect a debt that I have no connection to from the year XXXX. I have never been affiliated to anything debt related outside of XXXX, MO. I have tried to dispute the debt, but they claim the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I have provided documentation to the credit bureaus and XXXX has not removed this debt after I have requested a letter of validity of the debt with Fair Collections with my signature

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 2021-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
this need to be deleted because from XXXX XXXX for the amount of XXXX because they never provided me with a hipaa transcript and my hipaa rights has been violated and need to be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
My bank account has been frozen or blocked without proper notice. The account was frozen on XX/XX/XXXX. I called the bank and was connected to the fraud department. They instructed me that they could not access the account, there was nothing I could do, and to call back in 48 hours. I called back on XX/XX/21 and they told me the same thing. I worry my account has been closed without any notice, and I will suffer inconvenience and costs by not having access to my account. The bank has not given me information on why my account has been frozen, nor anyway to contact those in control of my account. I have received no communication from the company with regards to this issue. No mail, e-mail, or phone calls.

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 2021-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
Every month I pay a total of {$80.00} currently due to myself being affected by XXXX. The earliest payment started in XXXX of XXXX Prior to that I was paying about {$100.00} because that was what I could afford. Currently, Sallie Mae continues to harass me by calling my phone multiple times a day and they give me the same script every month. They dont take notes and continue to sell me on forbearance. I only have now one month left on forbearance and they continue to call even with the forbearance. I tried to work it out with them but they will not offer me another option.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 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: CA

Complaint narrative:
All three Credit Reporting Agencies Equifax XXXX XXXX XX/XX/XXXXToday lowered my FICO score by 35 to 45 points With no late payments, irregular activities, enquiries, or debt to income increse utilization. 

I belive this could be Senior discrimination Please investigate and revert Thank you XXXX XXXX XXXX SS # XXXX Address XXXX XXXX XXXX XXXX F XXXX XXXX Ca XXXX XXXX XXXX DOB XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: MA

Complaint narrative:
Hello, This is in regards to the BMW of XXXX, MA service center installing a faulty radiator in my car XXXX which they have admitted to in writing ) and are refusing to fully compensate us for the damages. 

Attached you will find the emails, texts, service order invoices, time stamped and dated screenshots of my cars warning lights after multiple consecutive failed service diagnosis regarding the same radiator issues, a independent diagnosis from XXXX confirming the smoke and engine damage were possibly coming from the damaged radiator, and a invoice for the real damages fromXX/XX/XXXXXXXX  BMW in Maryland. 

My compliments to XXXX  BMW for diagnosing the smoke/engine failure issue within just a few hours of dropping off. As you can see in the notes of the service orders I had asked BMW XXXX to diagnose the smoke smell and same issues over three consecutive services, which they did not! XXXX  BMW immediately called us and said our car was no longer safe to drive on the highway. 

This means BMW of XXXX let my fianc and I drive away in a unsafe car after charging us thousands of dollars for service that never fixed the issue, yet completely damaged my engine which I serviced regularly and loyally at BMW service centers. 

As you can see in the attached documentation ; not only did BMW of XXXX install the faulty radiator they admitted to doing so in the attached emails and let us drive around with this defective part for 9 months. ( Unsafely ) As you know a faulty radiator is the way the engine stays cool and hence properly lubricated by keeping the oil temperature at safe levels. This most likely has cause irreparable harm to my cars engine and the expenses are much more than the car is worth. Ive taken really good care of this car at BMW service centers consistently since we have owned it and Ive put my faith in them to keep my car from damaging it self and possibly harming us in the process. 

My fianc and I had to get a hotel for two nights near the XX/XX/XXXX BMW service center, and had to rent a car to be able to drive back home to the XXXX area. Now we are stranded here without our car trying to recover from the covid-19 pandemic and feel abandoned and left with out any options. We are currently paying for a rental car in order to manage our daily lives. 

NOTE : my attached evidence file is too large to upload here, please send us a link to upload or email this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I file a dispute to the incorrect information 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 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Good afternoon, Wayfair/Commenity bank has been harassing a number of my family members while I try and settle my account with them. I do not know how they even got any of these other phone numbers, but none of the numbers they have had on file the 2 times I called were my actual phone number which had been provided to them previously. 
How did they find these other phone numbers of my family members as I did not give it to them? Why are they calling these other numbers multiple times a day as well? 

It is very scary the tactics that they are using to try and force me to settle for an amount that I just can not afford with the state of the economy and the pandemic, which I lost my job because of. I have asked them to settle for an amount that I can afford and they have declined the settlement.

Company response to consumer: Closed with non-monetary relief