vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
My name is XXXX XXXX XXXX. I have a Kohls credit card. Have spent thousands before. Im XXXX a XXXX  soon. I decided to pay off debt. On XX/XX/XXXX I made a payment of XXXX to pay off my credit card. I didnt realize my bank would probably not let this payment through as a fraud prevention the amount was to large. I did not receive a confirmation email either. So I assumed it did not go through. So I made two more payments to break the large payment up. Those two payments were XXXX $ and XXXX . All three of these payments processed! I immediately contacted kohls customer support on XX/XX/XXXX. Requesting the XXXX be refunded to me in order to pay my personal bills. I explained it was a mistake. They told me it would take 7-10 business days for a check to arrive. They told me they could not electronically give it back! I patiently waited. The third week of XXXX I had called again with my husband. I called again. This agent told me it would be up to 14 business days. Still no check. I called again.This agent told me it would be up to 14 business days from the date of processed. They claimed it processed on XX/XX/XXXX. Might I add is a Sunday. How they have until XX/XX/XXXX to get me my check. I called again on XX/XX/XXXX to check on this again. This agent said they have until XX/XX/XXXX to get me my check. I demanded a supervisor. They kept telling me their supervisor is in a meeting. I said Ill wait and demanded to speak with one immediately. At this point after all the phone calls Ive spent at least 5 hours on the phone with customer service in a month. After waiting 50 minutes I got a supervisor. He swore to me my check would be here by XX/XX/XXXX. It is now XX/XX/XXXX I still have no check. This is almost a XXXX  of money and two months almost has gone by. Please help me! Here is my cell XXXX. I am XXXX XXXX XXXX  and this process has been extremely hard on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD bank has decided to close my accounts the stated they mailed me a letter letting me know that the accounts would be closed, I check my mail everyday and never received a letter, they actually allowed me to open a new account a few days ago and made no mention of the existing accounts being closed, they now have all of my accounts restricted including the new one and are holding my money. I call customer service and they tell me to go to a branch I go to a branch and the branch says they cant call the back office to get resolution and have the accounts released or funds withdrawn for me. This is creating a huge issue and the lack of customer service is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent to Equifax via certified mail and Affidavit of truth, cease and desist of all reporting until the investigation was complete, and an opportunity to cure what was wrong. They have given an inaccurate and unrebutted response to my affidavit. I clearly outlined to them all of the violations I found on my credit report. At this point, Pursuant to 15 USC 1611, they are willingly and knowingly violating my federally protected rights as a consumer. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692 I am the consumer and original creditor, and NATURAL PERSON and I do not validate the alleged debts on my credit report. Equifax held an " investigation '' in which to validate my alleged debts which in itself is a violation, due to the fact that Equifax cant claim they verified any accounts unless they can prove they did what they are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; They did not do this. If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance. 

Attached is my original Affidavit of truth and notarized XXXX which we both received on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I made an attempt to purchase a vehicle from XXXX  XXXX XXXX and GM FINANCIALI have been denied, any adverse action is illegal. I am the original creditor in fact consumer, I am a natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
EQUIFAX pulled my report without my written consent pursuant to 15 USC 1681b ( 2 ). When I did provide EQUIFAX with my written consent, they did not follow my instructions. I was given a hard time as well as severe damages to my consumer report. After going back and forth with EQUIFAX, for awhile, some inquiries and accounts were deleted. A deletion is admission. Inaccurate information shouldnt have been on my consumer report in the first place. I did not give my consent for any of it to be there. Thats a violation. I am seeking monetary relief Pursuant to 15 USC 1681n. ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I am attaching an invoice to be compensated for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have filed a complaint with all credit bureaus regarding XXXX XXXX including the cfpb. I have requested documentation stating that the XXXX account was actually charged off and that proper Fair Credit Reporting rules were followed and I can not receive that information from the credit bureaus or XXXX. XXXX did not provide any of this information to the credit bureaus as well. I have had no way to dispute the statements made by XXXX through any of the credit bureaus and I am just supposed to take the information given as is with no recourse. XXXX also has evidence including verbal confirmation that is on a recorded line that they took for payments and put it at the end of my loan. Why would they put my loan in charge off status when I am still paying it? Why would they be allowed it to not have to notified me of charged-off debt is or provide me any documentation I requested regarding it? They provided none of this information to any of the credit bureaus and I have disputed this multiple times with the credit bureaus we have not thoroughly investigated these things or allowed me to dispute them. The CFPB has done a poor job at holding people accountable just as the credit bureaus have also done a poor job at holding people accountable. XXXX XXXX needs to provide information I'm asking for and I have repeatedly asked for over the last two years. It needs to happen immediately. I want the four payments that were put at the end of the loan I'm very specific dates documented to all agencies. I want all documented evidence of letters sent to me that they followed fair credit reporting practices and notified me in writing by providing me copies of the letters. I have requested all of this information multiple times in writing and verbally and it is all documented. They illegally charged off my account. They are not following Fair Credit Reporting. Something needs to be done. I will keep filing complaints and pay nothing until I get what is required dent to me by law and issues corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am the original creditor, in fact natural person and I extended my credit to Wells Fargo, I have been violated and discriminated against, I have been embarrassed and because of Wells Fargo i suffer from sever mental anguish

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 2021-09-24 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I have filed a complaint with all credit bureaus regarding Santander USA including the cfpb. I have requested documentation stating that the Santander account was actually charged off and that proper Fair Credit Reporting rules were followed and I can not receive that information from the credit bureaus or Santander. Santander did not provide any of this information to the credit bureaus as well. I have had no way to dispute the statements made by Santander through any of the credit bureaus and I am just supposed to take the information given as is with no recourse. Santander also has evidence including verbal confirmation that is on a recorded line that they took for payments and put it at the end of my loan. Why would they put my loan in charge off status when I am still paying it? Why would they be allowed it to not have to notified me of charged-off debt is or provide me any documentation I requested regarding it? They provided none of this information to any of the credit bureaus and I have disputed this multiple times with the credit bureaus we have not thoroughly investigated these things or allowed me to dispute them. The CFPB has done a poor job at holding people accountable just as the credit bureaus have also done a poor job at holding people accountable. Santander USA needs to provide information I'm asking for and I have repeatedly asked for over the last two years. It needs to happen immediately. I want the four payments that were put at the end of the loan I'm very specific dates documented to all agencies. I want all documented evidence of letters sent to me that they followed fair credit reporting practices and notified me in writing by providing me copies of the letters. I have requested all of this information multiple times in writing and verbally and it is all documented. They illegally charged off my account. They are not following Fair Credit Reporting. Something needs to be done. I will keep filing complaints and pay nothing until I get what is required dent to me by law and issues corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have filed a complaint with all credit bureaus regarding XXXX XXXX including the cfpb. I have requested documentation stating that the XXXX account was actually charged off and that proper Fair Credit Reporting rules were followed and I can not receive that information from the credit bureaus or XXXX XXXX did not provide any of this information to the credit bureaus as well. I have had no way to dispute the statements made by XXXX through any of the credit bureaus and I am just supposed to take the information given as is with no recourse. XXXX also has evidence including verbal confirmation that is on a recorded line that they took for payments and put it at the end of my loan. Why would they put my loan in charge off status when I am still paying it? Why would they be allowed it to not have to notified me of charged-off debt is or provide me any documentation I requested regarding it? They provided none of this information to any of the credit bureaus and I have disputed this multiple times with the credit bureaus we have not thoroughly investigated these things or allowed me to dispute them. The CFPB has done a poor job at holding people accountable just as the credit bureaus have also done a poor job at holding people accountable. XXXX XXXX needs to provide information I'm asking for and I have repeatedly asked for over the last two years. It needs to happen immediately. I want the four payments that were put at the end of the loan I'm very specific dates documented to all agencies. I want all documented evidence of letters sent to me that they followed fair credit reporting practices and notified me in writing by providing me copies of the letters. I have requested all of this information multiple times in writing and verbally and it is all documented. They illegally charged off my account. They are not following Fair Credit Reporting. Something needs to be done. I will keep filing complaints and pay nothing until I get what is required dent to me by law and issues corrected.

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 2021-09-24 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX of XXXX I contacted TJX Rewards Platinum Mastercard/Synchrony bank to see what could be done with my account due to my being affected by the pandemic. At the time I was offered by the representative to pay {$150.00} per month and that I would be able to settle my account when I was ready which I agreed to. I finally managed to save some money to start settling my debt and when I called the bank back on XXXX of XXXX to settle the debt the bank told me that due to my being enrolled in this payment plan I do not qualify to settle. I complained and began an investigation with the investigation department to verify what the representative and I had agreed to which took 30 days. After completing the investigation I am still being denied a settlement and no resolution is being offered by TJX Rewards Synchrony bank.

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 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I bank with Ally ( an online bank ). I made a {$500.00} deposit on XX/XX/XXXX. The check was written from a XXXX XXXX account. 
It was an electronic deposit. I have made many over the course of 3 years. The process has always been a portion of the funds are available the next day, the balance in 2 days. For this deposit, I was told by Ally that they had " confidential information that indicates the check may not be paid. '' I have never deposited a check that wasn't paid. I want to know what confidential information they have. The funds from the XXXX XXXX account were withdrawn on XX/XX/XXXX. The hold on my checking account is until XX/XX/XXXX. This does not make sense to me and I feel targeted.

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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of inquiry : XX/XX/2020 XXXX  XXXX XXXX-Date of inquiry:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Mortgage statements have disappeared from my online account and Bank of America refuses to reinstate the access or send me copies of the missing mortgage documents.

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 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX XXXX. The next door neighbor spotted 2 men in a white sedan parked in front of their house walking in front of my house and theirs checking mailboxes. The police were called and spoke to the men. They gave the police a phony story and were allowed to stay there. At XXXX I get a call at work from my mother in law that the men stole a plain white envelope from the XXXX XXXX. My mother in law asked what did they just take from you? The XXXX driver stated a plain white envelope addressed in my name that I never ordered. I found out after reading quickly through my emails the thieves XXXX over nighted a replacement chase debit card to my address. So I called Chase at XXXX XXXX  and told them what had just happened and to lock my account. All good right? No they put me on hold and send me over to identity theft department. While I'm on the phone with them for 20 minutes I watch my account in real time get debited {$980.00} at an ATM and {$8500.00} withdraw inside a Chase branch 5 towns away. The withdrawal inside the bank had a time stamp of XXXX XXXX  I was able to see that on my mobile app. This could of all been avoided if they had locked my account when I asked. So I spent 2 more hours on the phone filing 2 separate fraud claims. Filed and received a police report with 4 witnesses of these men stealing the debit card. Only to get denied the {$980.00} ATM withdrawal claim already and never received the forgery documents I have to fill out and send back for the {$8500.00} in bank claim. Also filed a claim with XXXX. I had to freeze my credit because i dont know how much info of mine these thieves have ss # number or other cards etc. The police officer who wrote the report told me he has good body cam pictures of the gentleman from the initial stop. I hope they catch these guys. Also chase never sent me a new card you would think that is automatic procedure I had to call again today and order one and my account is still frozen 9 days later so all my auto bill pays are getting declined. This has been a nightmare.

Company response to consumer: Closed with monetary relief