vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been a loyal customer with Truist ( formerly BB & T ) Bank for over 20 Years. 2023 was an exceptionally rough year financially for me but Truist capitalized off of my unfortunate situation. Below are the dates that overdraft fees were taken from my account in 2023. 
OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} These total {$750.00}. I did not expect a full refund but did reach out to ask if a portion of the aforementioned overdraft fees could be refunded and was told I was allowed XXXX overdraft fee credit of {$36.00}. I will be switching banks within the next few months as there are so many " fee-free '' banks out there. This is beyond frustrating and honestly shows such lack of care.

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 2024-01-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT ED/XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 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 a 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 to any 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 2024-01-25 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: TX

Complaint narrative:
For more than XXXX months I have been trying to get my equifax score I spoke to a gentleman who told me to set up an acct I did. And still nothing my loan officers pulled my credit through XXXX no report I have been denied houses because of this issue I spoke to a supervisor who stated I need to send in my ID AND SOCIAL!! BREACH OF CONTRACT SO MY INFO CAN GET STOLEN AGAIN?? He said equifax had an eternal ERROR GOING ON!! You guys just had a settlement and declined to inform me appropriately I had to log on on which I didnt meet the deadline! YOU INTEND TO MAKE PEOPLE CREDIT AND LIFE XXXX! There is no reason I should have to go through this YOU NEED TO BE SHUT DOWN

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
M & T Bank did three international wire transfer on XX/XX/year> without my knowledge or permission on a joint estate account that required two signatures on all transactions. I requested the bank to send me copies of cashed checks, signatures for the international wire transfers and the name of the person who approved of the international wire transfers that totaled {$120000.00} PLUS {$220.00} in wire fees. I was denied that information.

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 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
On XX/XX/24 I made an online payment of {$4000.00} to XXXX XXXX from my TD Bank Checking Account. XXXX was promised by XX/XX/24. As of today XXXX has received nothing. Each day subsequent to the promised payment date the TD Bank website stated the payment would be made the next. XX/XX/24 turned into XX/XX/24 then XX/XX/24 etc. I was informed by TD Bank that the funds were not sent electronically but by XXXX unbeknownst to me. When asked why this was not explicitly disclosed at the time I initiated the transaction I was told it was buried in the one of many disclosures I had agreed to when I opened the account. With todays technology who would ever expect a transaction generated online to be completed by XXXX. TD Bank should explicitly advise a customer when the customer is initiating a transaction whether it will be processed electronically or by XXXX. The {$4000.00} payment was time sensitive. I was told if I put a stop payment on the check TD would charge me {$30.00} and they couldnt guarantee that XXXX would not deposit the check. If the check bounces I expect XXXX to charge me an NSF fee similar to TD Bank. Furthermore if I stop payment on the check and have XXXX withdraw the funds electronically I could end up with a {$4000.00} overdraft if XXXX is allowed to cash the check. TD Bank should be required to disclose to the customer at the time an online transaction is initiated whether the payment will be made electronically or by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The situation in my credit report is causing me profound distress, and my disappointment is thorough. It's not only highly embarrassing, but it's apparent that either you or the company is responsible for reporting this inaccurate information. I have a consistent record of on-time payments

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 2024-01-25 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: IN

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: AZ

Complaint narrative:
Under 605B, the swift removal of this account is necessary. I am quite upset about its presence on my credit record, so I implore you to kindly erase this account, as it is not associated with me.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I received a returned payment on XX/XX/XXXX. I tried to rectify but was no longer able to use the card. I called target to figure out why and they told me that they closed the account on the same day. I was not given any notification or chance to correct the situation. I was told that they can not help me and can not reopen the account as they sent out a letter of notification on the same day that the payment was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Hi, I have asked this company numerous times to validate this debt. They keep sending me statements or this form ( I will attach ). They have not proved this debt to be mine! I have also disputed with XXXX and XXXX, both in which have NOT been able to validate the debt & the tradeline from the original creditor ( XXXX  XXXX ) has been deleted from my credit profile ( I will attach proof ). Not even the credit bureaus could validate this debt. Please stop all attempts to collect on this debt, it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: MI

Complaint narrative:
my name is XXXX XXXX XXXX XXXX XXXX, on XX/XX/year> I started disputing XXXX  XXXX accounts # XXXX XXXX XXXX XXXX XXXX XXXX with no resolve ... According to the Fair Credit Reporting Act, XXXX  XXXX and consumer reporting agencies has violated my right to Privacy. 15 USC 1681 sec 602, 15 USC 1681 sec 604 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-25 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: NJ

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I submitted lots of requests of the signature page of this debt because I do not recognize this debt. 
I did have a debt with Capital One before however, I paid that debt off! 
That is the reason I have requested this so many times. This debt is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
I XXXX XXXX, XXXX and XXXX  person who its a victim of identify theft. XXXX, XXXX, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, Transunion and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy. 
I enclosed all documents social, ID and statement.

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 2024-01-25 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: NJ

Complaint narrative:
I XXXX XXXX, Consumer and XXXX person who its a victim of identify theft. XXXX, XXXX, and Equifax had used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, XXXX and Equifax has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy. 
I enclosed all documents social, ID and statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit 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: SC

Complaint narrative:
I placed an order on XXXX, XXXX XXXX  for XXXX mirrors. My total was {$690.00}. I placed the order and received an email stating it would be delivered between XX/XX/XXXX - XX/XX/XXXX. I contacted the company on XX/XX/XXXX stating my packages had not arrived and I did not receive a tracking/shipping number. The representative said, It'll get there when it gets there. I waited XXXX more week. Still no package. I emailed again. I said would like a shipping number for my packages. No response. I waited XXXX more week and emailed again to Cancel my order. The rep said, OK your order is canceled. I waited a week no refund has been posted. I emailed they said, Your packages have been delivered. I canceled this order. I look outside there are no packages from XXXX XXXX XXXX. I live on a dead end with XXXX Neighbors. I text each XXXX and ask if a package has been delivered to them with my name on it. They all respond no packages at their places. It is now XX/XX/XXXX no refund and no packages. I have filed a XXXX  complaint, messaged them on social media, emailed them, called them, and commented on their social media posts with no response. 


After no response from the Company I purchased from, I submitted a dispute with DISCOVER CREDIT CARD. They will not help either. I have called and submitted piles of information and evidence to support my case. They did not side with me even though thousands of others get scammed by this company. I would like a response soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Moore Legal Group, LLC
State: NJ

Complaint narrative:
I enrolled in a debt consolidation program with Meadowbrook Legal Group in order to handle my debt situation. I have been enrolled since XX/XX/2023 with approximately {$26000.00} in credit card debt. They have been withdrawing {$490.00} a month for a total of {$2900.00}, but when I looked to see how much was in my holding account there is only {$920.00}. Every time a deposit is made they take {$50.00} for a retainer fee, {$34.00} for an Admin Fee and XXXX for a service fee, on my bi-monthly payment of {$240.00}, which leaves me with only {$50.00} per deposit. This is absurd. How will my debts ever be paid. This is a shady business practice and these fee 's were not disclosed. I have also come to find out that they are being sued by the CFPB and a number of states attorney generals. my credit has been destroyed and has caused a major setback in my financial situation.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Within seconds experian closed XXXX complaints with XXXX different explanations for the same problem, 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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
UPDATE FIRST AND LAST NAME REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS. REMOVE ALL ADDRESSES CONSIDERED NON MAILABLE. PRIVACY ACT OF XXXX  CHARGE OFFS IS CONSIDERED AS A CERTIFICATE OF INDEBTNESS WHICH MEANS IT IS INCOME AND CAN NOT BE REPORT TO CREDIT REPORT. IT MUST BE REMOVED. THE LAW STATES THAT IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. UPDATE AS PAID AS AGREED. REMOVE INQUIRIES, HARD, SOFT, PROMOTIONAL, PREAPPROVALS- PER 15USC 1681

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Foursight Holding LLC
State: MO

Complaint narrative:
UPDATE FIRST AND LAST NAME REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS. REMOVE ALL ADDRESSES CONSIDERED NON MAILABLE. PRIVACY ACT OF XXXX  CHARGE OFFS IS CONSIDERED AS A CERTIFICATE OF INDEBTNESS WHICH MEANS IT IS INCOME AND CAN NOT BE REPORT TO CREDIT REPORT. IT MUST BE REMOVED. THE LAW STATES THAT IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. UPDATE AS PAID AS AGREED. REMOVE INQUIRIES, HARD, SOFT, PROMOTIONAL, PREAPPROVALS- PER 15USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Member of Pentagon Federal Credit Union for 55 years! XXXX {$1000.00} + {$30.00} fee to wife in XXXX on XX/XX/24! Told it would take XXXX business days arriving on XX/XX/24 or earlier! Twenty days later, wife never received the funds! PFCU doesn't answer my messages and numerous phone calls gets nowhere and wastes my time! Have copy of money transfer receipt! Wife 's bank did a tracer and sent a statement saying " no evidence of international money transfer ''!

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