vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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: TN

Complaint narrative:
I had learned earlier this year that my identity had been stolen, after doing some research I determined that several transactions on my Discover Credit Card were fraudulent, I had never done business with this merchant before, and so I immediately reported it to Discovers Fraud unit. They filed the fraud claim and then provided provisional credit to my account. I had explained to them that I had several documents including Police reports and other evidence to back up my claim. They told me an investiagtor would be contacting me and at that time I could provide the documents or they would tell me where to go to upload them. Well I waited and waited then I finally get a call from someone claiming to be my investigator, she tells me that all of the fraud claims were going to be denied and explained that one of the reasons was that I had done business with the merchant previously. Well I had never done business with the merchant, ever, I explained this to her and she did not care, I also asked why no one had contacted me about the documents and police reports I have so they could review them. She had no answer or response. Normally a fraud investigator would contact you right away and want to review documents and any other evidence you may have to do a full investigation. She only called me one time, never asked for documents, and then gave a bunch of inaccurate/false reasons as to why the fraud claims were being denied. Then on top of all of this, the fraud department had mistakenly credited my card with too much money, no one told me, infact they told me many times on the phone that I could use the funds, that all of the funds from the fraud investigation had been transferred or added to the account and I was good go. Well once someone figured out their mistake they added another XXXX dollars in debit to my account! Just because they credited my account by mistake now I am liable for this error? My credit score has gone down almost 200 points because of this, I lost my job because of it. This has been an absolute nightmare! No matter what I do or how many times I explain this, no one will fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several addresses that Ive requested to have removed from my credit report. I did this on XX/XX/2023. They did delete some but not all the addresses listed on my credit report. I only want my current address on my credit report. I sent letters to all XXXX Credit bureaus with them choosing the ones they wanted to leave on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOUNT BANCORP, INC.
State: NV

Complaint narrative:
In XX/XX/XXXX, I noticed that since XX/XX/XXXX, my XXXX XXXX XXXX had been credited with a fixed 0.1 % interest instead of being automatically updated with realistic interest. 
I approached my representative and asked him to compensate me for the extended period and change my interest to a minimum of 4 %. 
The representative replied that since I hadn't noticed the bank 's mistake for so many months, the bank could only compensate me for the year XXXX. 
Is this fair? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to Equifax about a collection item listed on my credit report from XXXX XXXX XXXX XXXX for a collection account reported for {$5800.00}, which was originally reported in XX/XX/XXXX as first opened in XXXX of XXXX and first delinquent in XXXX of XXXX. In this dispute I requested a copy of the original contract signed by me that resulted in this debt. I received a response saying that the collection item was verified as accurate but I did not receive a copy of the contract with my signature that substantiates this debt. It has been over 30 days since my dispute and request for this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
Hello. After being contacted by my bank for an attempt to use ach payment I immediately notified the creditor GREAT AMERICAN FINANCE H ( thru XXXX furniture ) that I had set up a reoccurring payment with. I was charged 3 insufficient funds fee even though I had the funds but payment was did in error. I corrected error & notified this creditor. I was told that I would get fees reversed & credited & would not be reported to credit report for any late payments that may occur because of this error. When I checked my credit report my score dropped XXXX points for the {$50.00} fees that I incurred for my payment error that was corrected. I have reached out and sent 2 messages asking for grace & mercy since this ach was done in error but still no response even though I have kept my payment history positive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I learned from a TD Bank teller ( at a different branch that I normally use ) in XXXX of this year that the Preferred Savings Account that my money had been in since 2019 doesn't exist anymore and that it's now a Signature Savings Account and the interest rate is 2.47 %. I had been getting 0.01 % with the Preferred Savings. I should have been automatically switched over to the Signature Savings, or at the vey least, informed of the change when it happened. I was not aware of the change and therefore not able to receive the increased interest rate.

I believe TD Bank owes me the back interest from the time TD Bank discontinued the Preferred to the date I was switched to Signature.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 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: AR

Complaint narrative:
Hello. After being contacted by my bank for an attempt to use XXXX payment I immediately notified the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that I had set up a reoccurring payment with. I was charged XXXX insufficient funds fee even though I had the funds but payment was did in error. I corrected error & notified this creditor. I was told that I would get fees reversed & credited & would not be reported to credit report for any late payments that may occur because of this error. When I checked my credit report my score dropped XXXX points for the {$50.00} fees that I incurred for my payment error that was corrected. I have reached out and sent 2 messages asking for grace & mercy since this ach was done in error but still no response even though I have kept my payment history positive.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
I have disputed several complaints to TD Auto Financial Services. I am requesting that this company stop reporting the account is past due when the accounts is currently closed. Also, I am currently making payments on the debt through XXXX XXXX XXXX. My balances has decreased on the debt collectors account site vs TD Auto Financial Services account is still showing an outdated balance. I am trying my best to corroborate with this company and resolve the debt, but I need them to do there job by updating the balance and information on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 : 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 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
I lived with someone for a year and a half. The person I lived with used my social, date of birth, and all of my personal information, including applying from my laptop, to obtain several vpcredit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: VA

Complaint narrative:
I missed one payment for the first time in my length of credit. In doing this I was working with my bank to figure out the best solution for some type of balance transfer. I was doing this because when making my monthly payment, it was only covering the interest not deducting anything else from account. After missing one payment I was getting phone calls from Discover once to twice a day and on weekends. I feel I was being harassed after one missed payment. I talked to 3 different people on the phone and no one could give me a clear answer about taking interest off if a payment was made. Could not also get an exact amount for what was owed on the card to do a total payoff. The bank ran my credit score for a balance transfer to their credit card. I'm dealing with all this in XXXX month my credit scored dropped over XXXX points and cost me a denial of a personal loan. I feel like this is terrible business practice and felt I got mistreated as a valued customer who has had this credit card for years and missed one payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I signed up to XXXX  for XXXX but ever since Ive been waiting almost 2 months to get approved. Checkr keeping pushing my completion date further back with no explanation I have tried calling to get in contact with representatives or supervisors to no avail. I would like to get in contact with a person thats in the supervisory position or higher because of their incompetence Ive been facing financial difficulties because XXXX is the only way I can work and Ive been at the mercy of Checkr because they refuse to do their job and complete my background check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a Truist account about XXXX months ago after receiving promotional material about a {$400.00} bonus for opening a new checking account. I created the account online and somehow their system created XXXX accounts. They locked me out of the account and said it was because my identity couldn't be verified, but they had no problem verifying my linked XXXX checking account and taking my initial {$100.00} deposit. I could not access the account online. I tried multiple times to resolve it over the phone and was unable to. I had to visit the local branch and speak with the XXXX. They told me I had to come back the next day because there were invalid maintenance fees applied to the account so they needed to clear before I could close the account. I went back the next week and closed the account. I have since received multiple calls everyday saying that my account is overdrawn {$27.00} for maintenance fees. Apparently they never closed the duplicate account that was created when I first registered. I called Truist again yesterday and was told I needed to wait another XXXX hours minimum to close the account because they had to clear the invalid maintenance fees. I am now going to have to waste my time going back to the local branch yet again. This is absolutely unacceptable, especially the fact that my money was inaccessible for nearly XXXX months until this was resolved, and I was ineligible for the {$400.00} bonus since my account was locked and I could not setup the required direct deposit for my paycheck. This seems like false advertising or just really sneaky behavior to me and it is not the way a financial institution should be treating people or their money.

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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am writing to seek clarification on our business 's recent experience with check holds. XXXX XXXX painters has been a valued client of Chase for over XXXX years, during which time we have maintained a consistent and positive banking relationship. 

Recently, we noticed a deviation from our usual banking transactions, specifically in the case of check processing. Historically, checks received from XXXX XXXX have been promptly cleared without any holds in the amount of {$23000.00} on XX/XX/23. While we understand and appreciate the importance of security measures to prevent fraud and ensure the integrity of financial transactions, we would like to gain a better understanding of the factors contributing to this recent change. 

As a women-owned business, prompt access to funds is crucial for maintaining our operations and meeting financial commitments. Our experience over the past XXXX years has demonstrated the reliability and trustworthiness of our transactions, particularly with XXXX XXXX. Consequently, we seek clarity on the specific reasons for the recent holds on checks from this longstanding and trusted business partner. 

We are committed to ensuring the highest standards of financial security and understand the necessity of prudent banking practices. If there are any additional steps we can take or information we can provide to expedite the processing of checks without compromising the security of our accounts, we would be more than willing to cooperate. 

Your prompt attention to this matter is highly appreciated, and we look forward to your guidance on how we can collaboratively address this situation. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
Date : XX/XX/2023 {$220.00} ( Not my debt ) Called XXXX, XXXX ( XXXX ) and was notified. I do not have a XXXX account Receive the letter from debt collection by Amercan Coradius International LLC

Company response to consumer: Closed with explanation