vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I have submitted a complaint with the consumer financial protection bureau. 
The Debt company and Apartment company responded with a bill of costs that are due. 
I submitted an online application. The decline was immediate for I was not accepted to be a residence of 8 eighty apartments. 
The total cost of the online application I see is {$52.00}. 
I do not know why there is a NSF fee of {$25.00}. 
There should not be a holding fee for there never was a hold for an apartment. 
There holding fee is {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: NY

Complaint narrative:
I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave Your agency my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.

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 2021-07-16 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: TN

Complaint narrative:
My rights of privacy have been damaged and breached by this bureau which may be a direct violation of federal law. This bureau is additionally in infringement of federal law by detailing inaccurate accounts on their site without my authorization. This bureau is detailing incorrect data on their site and concurring to the federal law, it is the bureau 's GRAVE Duty to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Arcadia Holdings, LLC
State: NJ

Complaint narrative:
im unable to get my XXXX  report I have mailed them my proof of address and phone number and ID the bankruptcy is not mines and needs to be removed from all 3 reports. can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: MI

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
When I opened an account with TD Bank in New York, I was automatically enrolled in an " overdraft protection '' loan account to cover my checking account. Unfortunately, I wasn't aware of the fee structure and how it changed over time, and it certainly was not clearly explained to me either. I was under the impression that I would be charged fees for using the service, and I didn't realize that the account had a fee of {$25.00} / year in addition to that. I did not know about this {$25.00} / year fee, and when I discussed with the bank, they claim that I have signed an agreement which has the fees. Had I known about this fee structure, I would never have signed up for this account. My account was accidentally overdrawn in XXXX, but I have not needed overdraft services since. Knowing what I know today, I would actually prefer to not use " overdraft protection '' at all, and instead just allow the bank to decline transactions if they exceed my account limits. 

Over the last four years, I have received several letters from TD Bank about a balance I owed. It took several calls to TD Bank to understand the letters were about, because some other banking associates who helped on the phone did not know anything about the letter I had received. I kept ignoring these assuming it was some kind of bank error, especially since I had called and tried to clarify without a clear actionable response. 

However, I decided to call again on XX/XX/XXXX when I received a letter from TD Bank in early XXXX ( letter is dated XX/XX/XXXX ). I finally spoke with someone who understood what the fees were and was able to transfer me to the loans department. I asked the agent to remove the fees so that I can close the " overdraft protection '' account. I was informed that the request to remove fees would take approximately 5 business days and that I should call back to see if the fees are removed and I can proceed with getting the removal of overdraft protection started. When I followed up on XX/XX/XXXX, I was informed that the bank is unwilling to remove these fees and will not allow me to close this account unless the {$100.00} worth of fees is paid. The worst part about all this is that TD Bank has made it exceptionally difficult to close the " overdraft protection '' account, so addressing the fees issue is only step 1 for me. 

I would love to get some help with this matter, because from my perspective - this is akin to a ransom. Now that I understand what the fees are after accumulating them for four years, I realize that the " overdraft protection '' is more predatory for the consumer than protective. I am happy to provide additional information in followups since I realize this message may get published to a wide audience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16 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: TN

Complaint narrative:
I XXXX XXXX, rights of privacy have been abused and breached by this bureau which could be a direct violation of government law. This bureau is additionally in infringement of government law by detailing deluding accounts on their site without my authorization. This bureau is reporting inaccurate data on their site and based on the federal law, it is the bureau 's XXXX XXXX to guarantee fairness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: NJ

Complaint narrative:
I noticed a few accounts on my report that I do not recognize

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 2021-07-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

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 2021-07-16 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: TN

Complaint narrative:
My rights of privacy have been damaged and breached by this bureau which may be a direct violation of federal law. This bureau is additionally in infringement of federal law by detailing inaccurate accounts on their site without my authorization. This bureau is detailing incorrect data on their site and concurring to the federal law, it is the bureau 's GRAVE Duty to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.

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 2021-07-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My rights of privacy have been damaged and breached by this bureau which may be a direct violation of federal law. This bureau is additionally in infringement of federal law by detailing inaccurate accounts on their site without my authorization. This bureau is detailing incorrect data on their site and concurring to the federal law, it is the bureau 's GRAVE Duty to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.

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 2021-07-16 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
there accounts don't belong to me. please remove accounts : 1. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Right before Covid, XXXX XXXX sold our loan to Rushmore lending the date of the transfer was XX/XX/XXXX. Shortly after this the Covid crisis began and NJ as a hard hit state and was closed down. We are self employed and run a small family business. the effects of the shut downs have been crippling. Rushmore XXXX seemed to be great with their forbearance program and was easy to work withIt was our belief that we were in the deferred payment option. And it is clear that a portion of our forbearance was in fact put on the end of our loan. However my complaint comes from the sale of my mortgage loan from Rushmore XXXX to XXXX XXXX. During the month of XX/XX/XXXX I was in touch with Rushmore XXXX that we continued to be in forbearance. Notifications came to say that Rushmore XXXX was selling the loan but would continue to service it. So in the sale of my loan somehow my deferred payment option was only for the first portion of forebeafance. So XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were put on the back end of my loan but XX/XX/XXXX forward are not. It is clear to me that there was an understanding with the Rushmore XXXX initially. However when XXXX XXXX took over the loan it started the following problems. I am now in receipt of an intent to foreclose for the months of XXXX XXXX XXXX. I dont understand why those payments are now trying to be collected as a full payment and not on the back end of the loan like the others and why we have an intent to foreclose for the forbearance amount in full with no other options.. I obviously stated to Rushmore in the beginning that we were expecting to have a deferred payment option which was done for a short portion of time. At the time of the transfer/sale of my loan it was still in forebeafance. So while my biggest problems arise with XXXX XXXX had my forebearance deferred payment option been properly handled by Rushmore Lending I would have started on the right track with the new company and not been automatically pushed into a foreclosure track with no other options presented to me. We are still not sure why we were not offered any options to avoid the intent foreclose with XXXX XXXX but that clearly is another complaint with their company. The sale of my loan from Rushmore to XXXX has been a horrible experience. I would have expected to start with a new company with the same understanding of what was previously understood with my account deferred payment option. Rushmore XXXX should have finalized these arrangements prior to sale. There is no explanation forthcoming from XXXX XXXX as to why these terms were not honored nor have they offered any other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I received numerous amount of letters about a medical bill saying that Ive visit their department or a 3rd party department which is in correct, I have been to a hospital in over 10 years I have my once a year check up with my doctor which is free cover by my 15 year medical coverage, I contacted the collectors asked if they could validate the information because I w XXXX to k ow how this could have happened and to show me documents of the initial visit or whatever information they are claiming was me, I sent one letter to the collector as well as one to the credit bureaus, I results was not received in a timely manner about 50 days later I received a notification from the credit bureaus that my file had been update only to find out it stated all information was correct, I dont know who they think they are but I would know if Ive ran up a bill Im a responsible adult not a child I always pay my bills, I received no letter or response back from them personal showing me that I initiated the response. Its been months since I last reached out to them I had a lawyer advised me to contact you guys to get to the bottom of this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 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 previously asked for a investigation and I never received a respond on my complaimpt I have item on my credit file that were fraudulently obtain in my name I an a retired vet and I'm trying to rebuild my life and reached out to ask for help and obtain legal advice and were advised to make a complaint to get some type of revaluation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CT

Complaint narrative:
On XX/XX/2020 or thereabouts I closed my XXXX  due to Covid-19. As there is no mail slot we applied to the Post office to forward the mail to the office manager 's home. Due to a slow down with mail delivery during Covid my XXXX bill went lost and my XXXX bill arrived late. Payment was made in XXXX for the {$12.00} bill and the late penalty. There was a mistake made by discover and they incorrectly credited the wrong account so that my account appeared 90 days delinquent. They corrected this, but still reported a 60 day delinquency to the various credit reporting agencies. As a result my credit score went from low XXXX 's to XXXX. Discover Card has ignored my requests to remove the delinquency. It is now impairing my ability to get a good rate on a mortgage. Do I have any recourse? Can you office offer any assistance? It is absurd that my credit score should be so profoundly affected by a delinquent bill of {$12.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: NJ

Complaint narrative:
I noticed a few accounts on my report that I do not recognize

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 2021-07-16 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: NJ

Complaint narrative:
I noticed a few accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I had applied for a loan modification on my second mortgage. SLS had approved me but the surprise was that the bank asked for a XXXX down payment which I didnt have. I am hoping that the OCC can help me save my home and work out something with my lender.

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 2021-07-16 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: MN

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 2021-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
On XX/XX/2021 I purchased a MoneyGram money order from my credit union XXXX XXXX XXXXXXXX XXXX XXXX union. Its for {$670.00} money order reference number # XXXX. I filled it out in permanent ink making it payable to my landlord XXXX XXXX. My name XXXX XXXX as signature and my address as well. I mailed it using the mailbox in my neighborhood on the corner of XXXX XXXX and XXXX XXXX. 
On XX/XX/2021 that money order was cashed but my landlord still states he hadnt received it. I went to my credit union and was told they use third party money orders and I have to take it up with MoneyGram. I called MoneyGram and was told that I would have to pay {$18.00} to request a copy of the money order. I did that and waited almost 3 weeks to receive it in the mail. When I got the copy it is clear that this money order was altered as the criminal only wrote over my words on there. 
So now I have the copy and I called MoneyGram back and was told that I need to request a description of where the money order was cashed. This service was free but necessary in order to start the process for refund. I waited a week for that email. On XX/XX/2021 I got the email from MoneyGram that told me XXXX XXXX bank cleared the money order on XX/XX/2021 and gave sequence # XXXX. MoneyGram says the money order cashed on XX/XX/2021. 
I then called XXXX XXXX and was met with representatives that told me they will have nothing to do with this. They wont trace the sequence number. They wont help me at all. 
I called MoneyGram back and now with the copy of the money and the email with the source that cashed the money order, I can now move forward with the actual refund process. I am currently waiting on an email and a hard copy of an affidavit to fill out and return to MoneyGram. They state the process could take 3-6 months possibly a year for a refund and even then its not guaranteed. I just dont know what to do. My landlord needs that rent and I need my home. 
The criminal was able to get my money right away without a hitch. Im the victim and I have to jump hurdles just for someone to help or even hear me out. 
XXXX XXXX was the front line of defense to protect me against this criminal act and they failed. I do not have an account with XXXX XXXX so I was told I cant file a complaint with the Office of Comptroller of Currency. 
I was referred by the OCC to Consumer Financial Protection Bureau to file the complaint because its a MoneyGram money order. 
Please someone help me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation