vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
On XX/XX/year>, I accessed XXXX of my accounts since the balance did not look right. 

XXXX as confirmed by the institution representatives on the call : The account transaction states as of XX/XX/year>, the running and available balance was {$7100.00}. 

On XX/XX/year>, I initiated a transfer from an external institution into this institution in the amount of {$6000.00}. This institution then put a XXXX business day hold on that " pending '' deposit. 

On XX/XX/year> I made a payment of {$150.00} which was rightfully deducted from the account and brought the running balance to {$6900.00}. 

The issue was discovered on XX/XX/year> because the running balance did not reflect the transactions. 

On XX/XX/year> : The running balance is {$6900.00}. 
However, the available balance shown as {$970.00}. 
What's missing from the balances is the " pending '' deposit of {$6000.00}. 

I contacted the institution representatives to discuss the issue. The following are the facts to this matter : XXXX. This institution did not and has not credited the " pending '' deposited amount into the running balance leaving the running balance at {$6900.00} XXXX. Moreover, the institution put the hold against the available balance making the available balance at {$970.00} I tried to dispute the hold against the available balance with a couple of representatives of the institution. They insisted that the available balance is correct due to the deposit hold of XXXX despite of them not crediting the " pending '' deposit into the running balance. 

The reps could not provide any reasonable explanation as to why this is the case. Numerous attempts to reason with the reps were met with same " talking points : ''

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 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My repeated efforts to resolve the issue of false, incorrect, and misleading data on my consumer report have been unsuccessful. These inaccuracies continue to severely disrupt my life, causing substantial distress. I must emphasize that I never approved or agreed to have this information linked to my identity, as I have been a victim of identity theft.

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently checked my credit report and discovered some unauthorized accounts. These fraudulent entries are damaging my credit score. I request that you remove them as soon as possible.

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 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: NC

Complaint narrative:
I was scammed into making a XXXX  payment and never received what was promised in return. I requested a refund on numerous accounts and nothing in return. I filed a dispute with the bank and they said it was not a fraudulent payment. it was absolutely fraud and it was a payment for {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have tried asking for it and received funny answers repeatedly. I've had the phone hung up on me many times after waiting over an hour, and I still havent received my money back after an entire year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: DC

Complaint narrative:
I dont recognize these inquiries or creditors. I need them removed from my credit report as soon as possible.

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 2024-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was notified by Kohl 's department store on XX/XX/XXXX hat I had a payment due. The exact text message reads was " XXXX XXXX, Your Kohl 's card payment is due. Visit credit.kohls.com to pay. '' On XX/XX/XXXX I made the payment ( paid off the balance in full of {$100.00} ). According to my credit report, the payment was due on XX/XX/XXXX. My credit report is showing NO late payments preceding the month of XXXX. It also shows the card was closed in XXXX. I am not clear as to how Kohl 's reported the payment XXXX  days late when the due date is XX/XX/XXXX ( the same day the text message came through ) and the payment was made in full the very next day. 

Additionally, I was never notified that a transaction was being submitted to the credit bureau. According to your website, a consumer must be notified ( and several methods are listed ) prior to being submitted to the credit bureau. The ONLY communication I received from Kohl 's was the text message listed above. I have contacted them twice. The second time I sent a letter with all the accompanying documentation to include a picture of the text message, a picture of my credit report as well as a picture of my bank statement showing when the payment was made. I have just received another letter saying they have reviewed all of my documentation and will not reverse their original decision. 

In short, I was contacted on XX/XX/XXXX of a payment due, I made the payment as soon as banks opened on XX/XX/XXXX and sometime between XX/XX/XXXX and XX/XX/XXXX I was submitted to the credit bureau as having a late payment. This is impacting my XXXX XXXX and I would ask for that negative item to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: CA

Complaint narrative:
I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All is being investigated by the FTC and CFPB. According to FCRA XXXX this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
We had financial difficulties in the middle of 2022. I contacted XXXX to get assistance with our truck loan. I spoke with them and explained that the unexpected XXXX XXXX  related to the XXXX of XXXX XXXX during XXXX minimizing wages, along with having to pay the deductible on a hit and run accident on the truck ( which they were supplied copies of the police report and insurance documentation ). I made arrangements with them on repayment and was never advised that those payments were not sufficient. I paid according to the schedule that was discussed with representatives on the phone. NEVER ONCE was I advised that we were subject to repossession of the truck. They led me to believe that the payment arrangement that was set was okay. The truck was repossessed. XXXX XXXXs did assist us with getting the truck paid off and it was redeemed. It should have been communicated to me that the arrangements that were set were not " official '', which is what I am being told NOW. Not only that, but they have also now updated my XXXX to show on my XXXX that it was repossessed/past due and will not update! I have tried to contact them and consistently get referred to XXXX XXXX ( Customer Advocate ). She called my XXXX this week and was very XXXX  to her. Indicating that she should have been smart enough to know that payments arrangements are not official when you sign a loan document. She stated that they are not required to do so, which I believe is absurd. Why would you not want to make sure your customers are fully informed? I just wish they would have explained this before making arrangements with us. We would have contacted our XXXX to assist in the meantime, but instead relied on the company to be truthful in their communication. I have asked for detailed account information on the account. I was denied account notes/payment arrangement documentation and any record of " promise to pay '' ( citing that they are not required to provide that ). I was informed that the payment history would be sent and XXXX  days later-no record of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Request for Blocking of Information Under FCRA Section 605C** Dear [ Credit Reporting Agency ], I am writing to formally request that specific information be blocked from my credit report, in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ), due to my situation as a victim of debt bondage related to XXXX XXXX 

In support of this request, I have provided the required documentation as outlined in the Trafficking-Debt Final Rule 1022.142 ( b ) and as specified by the Consumer Financial Protection Bureau ( CFPB ). The enclosed documents include : - A government-issued photo ID.

- A current utility bill in my name.

- A letter from an advocacy organization that verifies my status as a victim of XXXX XXXX  debt bondage under Rules 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

Please take action to block this information within the four business days required by law.

Sincerely, Michael Riddick

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: VA

Complaint narrative:
Request for Blocking of Information Under FCRA Section 605C** Dear [ Credit Reporting Agency ], I am writing to formally request that specific information be blocked from my credit report, in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ), due to my situation as a victim of debt bondage related to XXXX XXXX 

In support of this request, I have provided the required documentation as outlined in the Trafficking-Debt Final Rule 1022.142 ( b ) and as specified by the Consumer Financial Protection Bureau ( CFPB ). The enclosed documents include : - A government-issued photo ID.

- A current utility bill in my name.

- A letter from an advocacy organization that verifies my status as a XXXX  of XXXX XXXX debt bondage under Rules 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

Please take action to block this information within the XXXX business days required by law. 

Sincerely, 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 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I was charged a {$40.00} dollar late fee for a payment paid today that was due on XX/XX/year>.

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 2024-08-14 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: IL

Complaint narrative:
I am contacting you about the compromising of my XXXX XXXX XXXX  I am XXXX XXXX of Identity Theft, someone accessed my XXXX XXXX and these fraudulent accounts were opened. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent accounts off my XXXX XXXX, and send me an updated copy of my XXXX XXXX The following items do not belong to me and is a result of fraud that I did NOT authorize : XXXX. The following account is NOT MINE : XXXX XXXX Date opened : XX/XX/XXXX, account # XXXX XXXX. The following account is NOT MINE : XXXX XXXX, account # XXXX Date opened : XX/XX/XXXX Please remove it from my XXXX XXXX. XXXX. The following account is NOT MINE : XXXX XXXX, account # XXXX, Date opened : XX/XX/XXXX. Please remove it from my XXXX XXXX. XXXX. XXXX  XXXX, XXXX opened : XX/XX/XXXX, account # XXXX. Please remove it from my XXXX XXXX. XXXX. XXXX XXXX XXXX, XXXX opened XX/XX/XXXX, account # XXXX. Please remove all information resulting from Identity Theft pursuant to FCRA XXXX ( XXXX U.S.C. & XXXX XXXX ) which states that these accounts must be removed within XXXX Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my XXXX XXXX in the past XXXX months. Please also update the address on my consumer reports and name. My ONLY ADDRESS AND NAME that should be showing on my reports is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX and my only name is 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 non-monetary relief
Consumer complaint received 2024-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

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.

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 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 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Lost debit card, went to bank & asked to close card. No charges against account at that time. Got new card. 3 days later get od notice on acct. Went to bank & said XXXX charges not by me totalling {$1200.00}. Told to wait until they clear. Came back 3 days later & they were busy Next day submitted by bank officer as dispute instead of fraud. Gave me temporary credit which they took away 2 weeks later. It is my ssa I pay bills with. It was & is a fraud. Management at XXXX XXXX TD Bank are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i was in XXXX XXXX jail located in XXXX fl from XX/XX/XXXX to XXXX XXXX XXXX i was sentenced to XXXX  months at the department XXXX XXXX ( XXXX   ) with XXXX  days credit i got out of prison on XX/XX/XXXX i had XXXX in my account with chase bank my cars was towed with all my belongings, personal information ( id bank card bank info birth certificate ssi card clothes tvs business info ect ) further more my account is XXXX there has been all these fraudulent transactions, XXXX  transfers wire transfers to XXXX XXXX  accounts someone on even went into the bank and with XXXX money from my account posing as me while i was in prison and as of now i am homeless no money and i have been waiting for chase bank to investigate and give me my funds back but its taking to long i made XXXX claims with them and they gave me a temporary credit posted to the account but the account has been closed due being in the negative i need some help i don't have a legible phone to be contacted on the best way to contact me is email thanks have a bless day

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute with Capital One. My accounts were opened up fraudulently by a family member XXXX XXXX XXXX. My name is XXXX XXXX. I have now filed XXXX fraudulent claims. He opened up other accounts such as discover and XXXX. Those companies acknowledged the fraud and closed the accounts immediately. However, I had had problems with the investigation department for capital one. I am asking that this company be investigated. All of the purchases on the account were made in Florida. My residency has been with XXXX XXXX  XXXX. I have never lived in Florida. My identity was stolen by a family member who owes thousands of dollars in bankruptcy. Capital one has done very little to help. While a claim was filed I was denied the ability to email documents or provide any further information. While they even have access to full proof of purchases because this family member listed me as a primary holder of the account it is hard to prove. However, when looking that all the purchases were made in Florida while the police report was filed in NY it seems obvious that the accounts are fradulent. The other card companies such as discover even found proof of where the purchases were made and identified him as the suspect. I am asking that Capital One be investigated regarding how they complete their determinations of investigation because I never opened up these accounts. I had no knowledge of them for several years. I was in college and did not know the first thing about opening up an account. I always had co-signers. The fraud had been going on since 2020. He has a history of doing this and his name was linked on not just capital one but XXXX, XXXX  and XXXX  XXXX XXXX. I am still waiting for the response from XXXX XXXX XXXX So far both XXXX and XXXX  acknowledged it fraud. This report is regarding capital one and how they handle fraud.

Company response to consumer: Closed with non-monetary relief