vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
My father, XXXX XXXX, passed away on XX/XX/year>. It was unexpected, and as such we did not have many account numbers, etc. of his assets. After becoming executor of his Estate and the personal rep, which was a long and difficult process, I learned he had a TD Bank CD and checking account. I have been trying to close these accounts and get the money from them for months now. Over the phone, they told me I have to come in person to a bank to provide the required documentation. Note -- NO other banks required this, and I was able to successfully provide the documentation to a fax number and receive certified checks from his other banks -- - like XXXX and XXXX XXXX. However, TD would not budge on this. The closest TD to my house is XXXX hours away, and I have XXXX small children. So I made an appointment at a branch in NJ when I was on a business trip there. I went in with all of the documentation that was required, and was told it was not good enough. I had the ORIGINAL document from the probate court, with the stamp stating it was an original, and TD bank told me it was not what they needed -- they needed an original document where the stamp " puffed up. '' I asked them if they were saying I needed to go to the court in Florida ( where my father 's Estate is probated ) and ask them why they didn't provide the correct stamp according to TD 's policies, and they said yes. I live in Virginia, and again, I have XXXX small children. At this point they are holding my father 's money hostage and are greatly inconveniencing me after an extremely traumatic event for my family. I am an XXXX  for another bank and we would NEVER treat our customers this way, especially our customers who have lost a family member. They also never got back to me after I requested legal review of the document I provided ( because I am an attorney at a bank, I know that it is a legally acceptable document ). I will now I'm sure have to drive hours out of my way again to try to obtain the funds from my deceased father 's accounts that the Estate is entitled to, all with XXXX small children who have just recently lost their grandfather.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I currently bank with PNC. I have deposited checks, the check may not clear immediately but it will be pending and certain funds will be made immediately available. My account went into overdrawn status on XX/XX/XXXX. I deposited a check of {$150.00} and XXXX {$75.00} before the XXXXXXXX XXXX cut off. According to their policy, if I do not bring my account to XXXX  then I willl be assessed an overdraft fee. I was able to do so. It reflected in my account. However I was still charged not one over draft fee but two. I deposit a check of {$5500.00} I withdraw from my retirement trust since I was recently laid off and in need of the funds. They place a 7 day hold on the check and proceed to charge overdraft fees as they decide to hold the funds. Their practice seems very unethical and needs to be looked at.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Back on Monday ( XX/XX/XXXX ), I was checking the total deposits with my recent paystub from my job and I noticed that I was missing money so I dug through all of my transactions and subtracted it from all of my deposits and it gave me XXXX XXXXXXXX dollars lost so I contacted Bank of America and dispute some transactions but also asking what happened to the XXXXXXXX XXXX, they decided to dispute over 50+ transactions that totaled over XXXX dollars but I knew something was wrong so I asked them again what they're disputing and they haven't really responded to it so I decided to contact them the next day. 

In middle of that night, I got an email from them saying someone tried to use my card even though it was locked and it says it's location was " BOFA XXXX XXXX '' and so I called their credit card fraud department and they don't even know either and said that I have to call again in the morning ( XX/XX/XXXX ) and cut that card so I did, later when I used the chat feature, they said it was from XXXX and I was like " XXXX? '' because I don't know that I was paying for XXXX directly because I was using the XXXX and XXXX XXXX bundle so I guess it was nothing and then I ended the chat. A few minutes later, I got a call from them because I was complaining to them on XXXX and asked them about the disputes and we went through each of them and removed them, but I asked her what's going on with the missing XXXX dollars and they said that they don't know and I was like " You don't know? '' and they told me to check the transactions and they said it should be listed and it wasn't so I said it wasn't there and it was just ridiculous and I decided to switch to XXXX on Thursday. 

Friday comes around and I already opened a new savings account and linked my BofA accounts to them and checked the budgeting tool and yep, I was right and they were indeed missing my money, specifically {$1000.00} dollars. I haven't decided to call them again because I knew I would run into the same thing so I decided to submit this claim.

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 2024-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX tax refund ( {$6800.00} ) was fraudulently deposited into Capital One National Assoc bank account ( CONA ). IRS Form 1040 was properly prepared and electronically filed in XXXX, XXXX. Someone, somewhere ( possibly within the IRS? ) accessed that transmission and illegally altered the Bank routing number and account number. Altered info : Routing # XXXX ; account # XXXX. This was NOT the info entered on the 1040 Form when filed. CONA was aware ( BFS Form 150.1 ) that name on deposit ( from IRS ), XXXX XXXX XXXX XXXX, DID NOT MATCH name on their account ( XXXX XXXX XXXX ). CONA was also aware of fraudulent activity on that account and advised they " were investigating. '' CONA accepted the deposit notwithstanding in violation of OCC regs. Per OCC, deposit should have been returned to IRS. OCC case # XXXX. CONA 's Consumer Protection and Fraud Dept ( XXXX. XXXX, XXXX, XXXX, XXXX, XXXX - XXXX XXXX ) directed XXXX to provide " Hold Harmless Letter '' as condition of returning the illegal deposit. Letter sent certified mail on XX/XX/XXXX and received by CONA on XX/XX/XXXX. CONA lied and claimed letter never received. Sailers have signed return receipt. CONA then refused to return illegally accepted funds and refused to communicate with Sailers. Sailers able to identify CONA account holder ( XXXX ) who admitted to the criminal acts, which conversation is recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Financial, Inc
State: PA

Complaint narrative:
On XX/XX/2024 FNF servicing check my background and made me a hard inquiries that affect my XXXX XXXX without my permission. 
I called, I sending messages, I tried different ways to solve this because I didnt know what kind of company they are and who did for my and used my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I opened an account with Synchrony Banks Lowes Card when I purchased a home. Roughly a year ago, in the last months Synchrony has done multiple pulls on my credit which has not only affected my credit but they have now closed my account. I have paid on time all but one month, which was a small amount early on as I did get the dates of payment and statements mixed up, but was quickly paid back with a late fee. Other than that my payments have been on time for the thousands of dollars that have been spent there over the course of the year. The pulls of my account have been in succession and the first lowered my credit balance to less than 20 % of what it was at. The second closed the account entirely without no notice, dispute or acknowledgment of previous payments. Furthermore they would withhold available balance for weeks after payment was made without prior warning or reasoning. 

After discussion with others it seems they have done a large scale clearance of accounts with the exact same description. They are purposefully and thoughtlessly changing the course of peoples lives, affecting individuals credit scores for their own financial gain. As the economy may continue to worsen, companies that have control over something as financial manipulating as credit is, seem to push their narrative at no thought to the consumer of their product. They need to understand the importance of an individuals ' credit should not be damaged as a way to for their company to XXXX. Opening a line of credit with a bank to use in the right way should not be punished because they are not profiting at their highest, the use of credit manipulation by larger banks to welt individuals from growing has to end and needs to start by companies like Synchrony being liable for their actions.

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 2024-05-17 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not recognize these credit inquiries on my report and there are double inquiries that do not belong there. I tried numerous times to call and correct this with the credit agencies and they did not do as I asked. I need them removed immediately because they are not mine. I have provided an attached identity theft report. They are showing on my transunion and XXXX 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 non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not my address, I have never lived at the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV 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 non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not my address, I have never lived at the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
IS U.S. Code $ 1681c-2 a consumer reporting agency shail block the reporting of any Information in the fle of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipe. it has been 30 days and you are in VIOLATION of this law because I am a victim of identty theftil Please delete these items IMMEDLATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 US Code 1681b - Permissible purposes of consumer reports ( ) IN GENERAL SUb to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION c consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CON to report amything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer im demanding the deletion of accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I received an email from the Department of Education that my federal loans were being discharged due to misconduct by the school in regards to marketing, Post education placement rates and career services post graduation. 

XXXX XXXX XXXXXXXX Tried to contact to discuss options for discharge of debt and was outright refused without any justification how a defunct school that used illegal practices would require repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to FCRA 605B, incorrect accounts must be removed from my credit report. This entry is incorrectly reported, and I request its removal. I should be compensated {$1000.00} for every error on my credit file.

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 2024-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
IS U.S. Code $ 1681c-2 a consumer reporting agency shail block the reporting of any Information in the fle of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipe. it has been 30 days and you are in VIOLATION of this law because I am a victim of identty theftil Please delete these items IMMEDLATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 US Code 1681b - Permissible purposes of consumer reports ( ) IN GENERAL SUb to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION c consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CON to report amything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer im demanding the deletion of accounts listed 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 2024-05-17 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
Someone went onto a credit builder site by credit karma and created an account and added accounts that do not belong to me onto my credit report, the credit reporting agency will not allow me to file a dispute online of which is the purpose of my online account. Please delete the following from my credit report Bankruptcy chapter from XXXX, XXXX and transunion XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX account XXXX  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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 non-monetary relief