vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-21 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: FL

Complaint narrative:
Opinion on Credit Reporting Bureaus- WHAT i AM POSTING IS CONFIRMED BY THESE AGENCIES OWN ADMISSION. tHEY ONLY REPORT WHAT THE LENDERS SEND A fraud is the deliberate misrepresentation of facts. My credit scores and billions do NOT reflect accurately. Hence we are at the mercy of banks and all lenders. Right now we are locked out of all fiance options and suffer higher than available rates and usury! The FTC directed me to you. My scores even while debts paid down - if scores are not REAL TIME- ACCURATE- AND TIMELY THEY ARE FOR ANYONE TO ASCERTAIN WRONG. AND DELIBERATELY POSTING AND CALCULATING SCORES USING FAlSE DATA WILL PRODUCE INCORRECT RESULTS AND A NEGATIVE FOR THE BORROROWER Definition of fraud XXXX 1a : deceit, trickery specifically : intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right was accused of credit card fraud b : an act of deceiving or misrepresenting : trick automobile insurance frauds 2a : a person who is not what he or she pretends to be : impostor He claimed to be a licensed psychologist, but he turned out to be a fraud. also : one who defrauds : cheat b : one that is not what it seems or is represented to be The UFO picture was proved to be a fraud. 

My Reports and ScoresUPDATE MY REPORT XXXX XXXX XXXX Updated XX/XX/2021 XXXX Updated XX/XX/2021 XXXX A sham sin they were XXXX just a day ago. 
Opinion- This farce has continued since inception and is by opinion a blight on the morality of the nation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: WA

Complaint narrative:
I got on my bank account today to see about getting groceries. And I noticed that I had an overdraft charge, but my account still stated that I had {$300.00} balance with a negative {$140.00} available. I have 6 pending charges, each at {$75.00} from XXXX XXXX agency. I do have an agreement of autopay at {$75.00} per month. I have submitted an email to this company in regards to the over charging. I also had gotten onto their website to view my account and it also states there of the 6 payments that I had not authorized. I have attached my bank statement showing the multiple pending charges and the overdraft charge along with the account/payment information from the collection agency showing all payments at {$75.00} per month until XX/XX/2021 with 2 pending payments and XX/XX/2021 with 4 more pending payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On Monday XX/XX/2021 I called a number given to me on the XXXX/XXXX I informed the person that I was trying to connect my prime service to my TV so we could watch movies The person on the other end ask me for the code that i was given on my TV and ask that i open my apple phone and place it next to my XXXX that I was using which I complied next thing I know the person is asking me some questions that had nothing to do with the issue. 
I felt something was not right and decided to check my bank and that was when I realized that my bank account had been hacked Someone sent a XXXX payment to a person I do not know for {$1300.00} which cleared my checking account. 
They then proceeded to clear my savings account that was linked to my checking account with two transfers one for XXXX and another for XXXX I called M & T Bank right away and reported it and ask them to locked my online access and to issue me new ATM Cards. The following day I visited the bank personally and spoke to the teller who then call the main bank to see information she then ask some questions about XXXX and a XXXX XXXX, I told them that I have never use that service and after a few more question I was told. that I should hear from Bank after 72 hours On Wenesday I went back to the bank and was told my money was back in my account but upon checking I noticed that the savings account money was in back in my account because the hackers couldn't finish the transaction but the amount of the first XXXX transfer was not credited. When I called the bank I was told the credit was denied and the case was closed. I want the bank to refund my {$1300.00} plus {$110.00} overdraft fees charged to me because there was no money in the account when some of my other payments came in. 
anything you can do to help will be appreciated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am very frustrated with this matter. I have been trying so very hard to have this incorrect account removed from my credit profile. This has been on my credit profile since XX/XX/XXXX. I have sent an affidavit of truth to both XXXX XXXX XXXX AND Equifax certifying that this company XXXX XXXX XXXX is in clear violation of my federally protected consumer rights. They have not supplied me with any supporting documentation showing that in fact this debt is mine. I have not received any supporting documentation from them since XXXX. I've received no phone calls. And yet, they continue to report this false information to Equifax as well as continue to add finance charges ( 15 USC1692 F ) ( 1 ) I've read the Fair Debt Collection Practices Act, and I realize that as a consumer I have many protected rights. This company has caused a tremendous amount of undo stress, sleepless nights, and extreme anxiety. I've read that it is against the law to publish any information that would be used to create the false belief that I the consumer am a willing participating in the debt collection, which I AM NOT ( 15 USC 1692 j ) Also if you take a look at the document I've provided you will see that the original creditor listed on this collection account is XXXX XXXX.. Because my name is not listed as the original creditor they are in fact in violation and have furnished a deceptive form. I feel as if since XXXX my reputation has in fact been ruined. This day and age EVERYONE looks at a persons credit report XXXX Employment, Insurance, Credit Cards, etc ) XXXX XXXX XXXX has not been fair to me. According to the Fair Debt Collection Practices Act : FDCPA 15 USC 1681 it states that our consumer reports are our reputation. Please take a look at my credit report which I have attached. This collection account has been furnished to Equifax and has immensely impacted my credit scoring in a negative way. I have take appropriate actions and doing my part as the consumer and have not heard back from either companies. In fact, the collection agency XXXX XXXX XXXX is late in giving me my requested response. Please see prior CFPB complaint number : XXXX. I filed my initial complaint XX/XX/XXXX and have yet to hear back from the company. Meanwhile my credit profile continues to be negatively impacted by this false reporting on BOTH XXXX XXXX XXXX and Equifax. All documentation was sent to Equifax via certified mail with the following tracking numbers : XXXX as well as with a green signature confirmation form stamped by XXXX XXXX with the following tracking number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2020 I reserved a car online through XXXX. My Discover credit card was used to secure the car. On XX/XX/2020 I went to pick up the car that I reserved through XXXX. the vendor, XXXX XXXX, told me that they can not rent the car to me, without explanation. I contacted XXXX to let them know what happened and they said they can't refund me even though I did not receive the car. I then contacted Discover Card when the charge appeared on my statement and explained several times that I never received the service that I paid for, a rental car. They, Discover, are only relying on the merchant, XXXX, information. However the merchant can not substantiate that I received the actual service. I have been disputing this charge since XX/XX/2020. We are at an at impasse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a 100 % rating Got notice I was 1 day late on kohls Bal of {$15.00}. I had a critical parent out of state I forgot. But it shows 14 delinquent that can not be afraid someone might be using my info.Yhis is extremely upsetting to me. Even in XXXX when filing chapter XXXX had XXXX paid on time. Not sure what to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I MA VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hey I was inquiring about an issue that I have with Citibank where there's was fraud committed on my account causing it to close/charge off for no apparent reason. I disputed this item and let them know multi times that fraud was done and they dismissed my claim with no real investigation and they told me that it was verified without providing any documents. This has cause my to owe XXXX plus dollars and I am unable to open a bank account cause of this.

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 2021-03-21 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
On XX/XX/2021 I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2021-03-21 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: NY

Complaint narrative:
I am a co-signer and make notations on each payment stub the allocation and additional funds to be applied to the principal. Navient once again, misapplied payments. Total amount paid for XXXX which they received XX/XX/XXXX 4 bills ). Loan # XXXX paid XXXX they applied {$330.00} XXXX ; # XXXX paid {$150.00} they applied XXXX - {$100.00} ; # XXXX paid {$200.00} they applied {$100.00} - {$100.00} ; # XXXX paid {$120.00} they applied {$92.00} - {$30.00}. The misappropriation of loan # XXXX caused additional accrual of the awful interest algorithm linked to student loans. Each month I write explicit directions on each payment stub and the total amount paid across the four loans. I also take photographs of stubs and check. The deregulation of student interest rates in XXXX continues to add to the coffers of Navient/Sallie Mae adding life long stress to their underemployed student borrowers and their co-signers. I have been going through these struggles since XXXX and advise all to never take out private student loans. I learned of the deregulation after much research in XXXX. Had my sons and I known of the deregulation, they would have attended local state schools avoiding these horrific interest rates and the consumer manipulations of XXXX year old borrowers. In addition, the principal is a combined original loan and left over interest from Sallie Mae ... rolled into a new principal that Navient charges interest on. Very manipulative and sneaky. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I lost my wallet that included my bank of America debit card issued by unemployment as well as my NJ id. I called Bank of America and had issues resolving the problem. I was asked to go into a Bank of America location with two forms of id. The problem is that due to covid NJ DMV is not running regular hours. I have not been able to get an appointment. I am a XXXXyear-old man, I already don't want to spend more time out in public places than I have to. I have reached a point that I'm not sure what to do. This week coming up will be the 6th week of claiming and not being able to actually get my money. 
I hope that someone can please help me with this matter.

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 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
I have openned a Business Paypal Account and received funds form our sales from XXXX website. email : XXXX BUSINESS NAME : XXXX XXXX Paypal receive these funds {$47000.00} USD and they are not allowing me to withdral my bank account from XXXX XXXX to this paypal account ( they are always showing same error message : there is an error, please contact support. ) Also they are asking me to create an ITIN number in order to let me move these funds to other paypal account. I have applied to an ITIN in USA IRS 5 months ago ( but so far didn't got my number ). So these funds are locked inside paypal. So this is not fair. If they are not allowing me to withdrawal these fund ( because I didn't have ITIN so far ) why they allowed these funds to be deposited in this account in first place? I have a bank account but I am not able to link this account at their system. So I would like to ask to receive these funds by a Wire Transfer or they allow me to transfer funds to a different paypal account. 
I have submited a complaint last month and PAypal said that funds are ready to Withdrawal on XXXX XXXX. I have tried to withdrawal funds today and got no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Inquiry date : XX/XX/2020 Removal date : XX/XX/2020 Bank installment loan I went to citibank in person to request information about availabilities regarding a loan, but i did not request any loan or line of credit and i did not authorize for them to pull up my credit - they never told me they would do this especially in a middle of a pandemic. Again, i just asked information, i did not request ANY line of credit, i just simply wanted to know information. I want this inquiry to be removed.

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 2021-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2021 I went online to pay my XXXX XXXX MasterCard with Synchrony Bank. My payment was around XXXX and decided to pay XXXX. So on today XX/XX/2021 I noticed that the balance owed was pulled from my checking account XXXX. I tried to login online to check to see my account and to view payment history and was unable to get in. I kept receiving error message. At this point I decided to call. A female representative answered I explained my issue she advised me that I can put in a dispute for payment and my funds will be back in my account in 21 days. I advised her that payment was for only XXXX not the balance owed and that I needed my money back immediately to pay my mortgage and other bills that were going through. She stated because payment was made on XX/XX/2021 there was nothing she could do. I told her several times I need my money back payment was only supposed to be for 100. Not the balance. So after hearing her say several times there is nothing she could do. So I asked to speak to her Supervisor or manager she then placed me on hold. A female Supervisor I think by the name of XXXX came on the line and say she understand my issue but there is nothing they can do by getting my money back to me and that I need to call my bank. I asked if there is a way they can review payment? She stated that they can only see payment was made online. So I said to her you mean to tell me as fast as you all pulled the funds from my account you all can not return it? She told me no it hasnt posted on their end as of yet even after I advised her the money has been taken out my account. I stressed to them how much I needed my money to pay other bills and that my mortgage was going through neither one of them cared. We are in a pandemic my XXXX XXXX credit card is not past due. I made the payment on time. Im the consumer and they didnt care to listen or assist me ..all I kept hearing is what they couldnt do for me and I feel so bad! Now I have no money in my account to pay others bills and on top of that my mortgage may return. Synchrony Bank representatives should be more emphatic in these times that we are in. Neither one nerved said ok Ms XXXX let me take a look to see what I can do for you. It was always what they cant do. I ended with no resolution and following up with my financial institution. Im highly upset and disappointed! There has to be a resolution to help consumers if a mistake was made on a payment. They have no right to keep my money if Im telling them the payment amount shouldnt been different. The remaining amount shouldve been reversed immediately 2-3 days not 21 days that unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hey I was inquiring about an issue that I have with TD Bank where there's was fraud committed on my account causing it to close/charge off for no apparent reason. I disputed this item and let them know multi times that fraud was done and they dismissed my claim with no real investigation and they told me that it was verified without providing any documents. This has cause my to owe XXXX plus dollars and I am unable to open any new bank accounts.

Company response to consumer: Closed with monetary relief