vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Netspend Corporation
State: CA

Complaint narrative:
In XXXX of 2021 I received a letter with a debit card attached to it from Netspends. I had been using netspend prepaid because it was better than using regular bank accounts due to the real overdraft protections of not being allowed to overdraft if your account doesnt have enough funds. But the new debit card I recieved was different. It was netspend all access which is treated more like a real bank account than the prepaid netspend. I noticed that when I didnt have enough funds I was allowed to go over the amount in the account and I was charged an overdraft fee. I thought I must have accepted this condition upon activating my card. Ok so I called Netspends to ask them to take off this overdraft protection because it doesnt protect me it only messes me up. Some charges are for as little as XXXX XXXX and there is a XXXX $ Fee. So they turned it off but then they started bombarding me with emails asking me to opt in again which I did because it was covid and I needed to at the time against my own best interest. It is an abusive practice to target an individual with low income into a high fee condition that they will always fall into, like a trap. Even though I would get frequent deposits they would fall out of the 24 hour time frame. I only made XXXX $ in income in 2021 and netspend took XXXX $ In overdraft fees from me. I covered all my charges with my own money the XXXX $ all went to the bank. I wish they never sent me this netspend all access the abuses they inflicted on my are the reason why I stopped using regular banks in the first place. This would have never happened if it was not allowed and they stopped offering that to 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 2022-10-05 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: Experian Information Solutions Inc.
State: GA

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 XXXX, Account name # XXXX XXXXXXXX, Account name # XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX  XXXX , Account name # XXXX XXXXXXXX XXXX, Account name # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXX, Account name # XXXX XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX 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 an 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 explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I have been on the forbearance due to covid 19 since XX/XX/XXXX. I have tried to deferre my loan payments to end of term and was initially approved then found out my servicer united wholesale mortgage canceled it. I then applied for HAF with the California mortgage relief and was approved for a grant to cover past due payments. California sent funds electronically to UWM on XX/XX/XXXX for {$21000.00} to make my account current and reinstated. UWM is stating they have not received the funds. I have reached out to the California mortgage relief team and was told they sent funds and needs to be handled internally. Im worried because UWM keeps advising me to apply for loan remodification, repayment plan, deferral when they already received funds from the state of California to help me. They only need to actually apply these funds but help is very difficult. Could you please help me to have them follow up on this to actually help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my XXXX XXXX. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

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 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Company closed my credit card for the third time and I didnt do anything wrong and they had it reinstated 3 times with three different cards numbers and keep sending me new card numbers in the mail which I dont want and I explain to the rep I didnt apply for a previous application of Hilton honors card at all and this was a fraudulent application America express never ask for a police report and they told me that the account is confirmed fraud and I also received a letter saying that my America express delta sky miles card is restored and I was lied to and tricked and they keep canceling my card three times and if I try get it reinstated fourth time then that card number ending XXXX will be canceled and i never received this card yet .. and Im asking this company to send all my payments back to my checking account I found this is harassment and discrimination and I didnt break the terms and conditions someone stolen my identity on a Hilton honors card and I didnt open any disputes on that card someone did with my stolen identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: MA

Complaint narrative:
In early XX/XX/XXXX, I received a letter in the mail from TD Bank. The letter showed that an account had been made in my name using my social security number and address. My name was spelled wrong. I use TD for my checking and credit card account so I was surprised because I use paperless statements. The account showed that on XX/XX/XXXX, the IRS deposited the 3rd stimulus check of {$1400.00} to this account. Two days later, someone drained the account at a TD ATM and left {$12.00}. I immediately called TD Bank and went to the local branch after understanding what had happened. They closed the account and gave me identity theft materials. I have called several times to their fraud department and they are saying there is nothing they can do. I have submitted all necessary documents to the IRS, who are completing a payment trace. The IRS can tell me where the funds went but because they have been taken, I doubt I will ever get any of them back. TD failed in their security as clearly, this was a fraudulent account. Instead of resolving the issue and giving back the {$1400.00}, they are acting as if it is my fault and there is nothing they can do to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I contacted the collections procolect on my account. They said to get a police report and copy o My ID. I did that. I sent the the report number with my ID The colelction account is in Texas. I never have lived there. I have lived in XXXX and XXXX  only. I told them this. The charge is {$340.00} but it is not mine! I have very good credit paying my bills. This is llowering my credit score and needs to be removed. 


XXXX and XXXX I emailed my police report from XXXX XXXX Sheriff n Fl and my ID to dispute a fraud charge on my credit as collections. I have a police report number- XXXX for fraud on XXXXXXXX XXXX in Texas. I have never lived in Texas. I lived in XXXX for 42 years and XXXX  5. Please let me know you got this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am 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 explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Recently I received notice that my appeal of an unauthorized {$44.00} ACH from XXXX XX/XX/XXXX was denied by the Bank of America. XXXX sent Bank of America erroneous screenshots of cancelled agreements of an authorization to debit my checking account. That agreement was cancelled prior to XXXX issuing a {$44.00} ACH system generated charge to my Bank of America checking account in the month of XX/XX/XXXX. This was theft by deception in my opinion by XXXX. I have spoken to XXXX several times over the phone to remove my checking account information and cancel authorizations to my checking account due to holding my bank account information Hostage to prevent card holders from removing their banking information from the online portal.

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 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
{$300.00} payments made and posted to old/closed account in XX/XX/2022 I have sent them the statement numerous times showing the credit on the closed account. 
Numerous calls to customer service with no results. they can not see the old account! 
I want the {$300.00} applied to the open account. 
I do not understand what is so difficut.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX, Account name # XXXX XXXXXXXX, Account name # XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXXXXXX XXXX, Account name # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXXXXXX, Account name # XXXX XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX 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 an 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 2022-10-05 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: GA

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 XXXX, Account name # XXXX XXXXXXXX, Account name # XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX  XXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXXXXXX, Account name # XXXX XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX 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 an 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 explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
XX/XX/XXXX I attempted to check my Eastern Bank account balance via online. I was prompted to contact the customer service via telephone following that a representative advised me to visit the branch when I arrived at the branch before speaking with the teller I tried to use my debit card at the ATM and alerted it stolen. Upon approaching the teller I summarized the events he checked both of my accounts and confirmed the debit card was indeed reported stolen. Uncertain of the next steps he requested assistance from a senior teller whom was extremely volatile. She begin loudly stating your account is overdrawn {$470.00} are you making a deposit and proceeded to take my debit cards out of my hand stating I dont think you can have these. I explained to her that I was in receipt of a deposit on that day so unfortunately I would not be making a deposit because all the money I had was taking by the bank and I now couldnt use the account. Ultimately she stated what do you want to do Im confused why you came in. At that time I asked if someone could please contact me because I was totally confused what happened to my accounts. The following day I attempted to call the branch to see if they had any updates and it was a failed attempt. Ive been reached out to customer service on four different occasions that same day via telephone, was unsuccessful. Following that day, I decided to visit another branch and became aware that my accounts were closed and could no longer have access but still COULD NOT have a reason why. The teller stated there wasnt anything I could do and I would receive a letter still not knowing why my account to a closed I attempted to contact the bank again via telephone. A few days later I received a letter stating my account was closed for possible check fraud. I reached out to the contact person and explain that unfortunately I was NOT aware of this but while I was not present my family member that was an active XXXX gained access to my accounts via XXXX. Devastated I pleaded if there was anything I could do to rectify this matter and I was told NO that it was going on my credit report and will be removed in 7 years and I would no longer be able to get a Eastern Bank account and it would be extremely hard to get any bank account because Im now flagged as 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 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Richard H. Kream
State: MA

Complaint narrative:
XXXX with the assistance of a Kream and Kream has attempted to collect on a debt that they have failed to validate with leaves me to believe that Im a victim of identity theft. After a number of days in court I have requested kream and kream to provide me with original documents they have failed in every attempt. They have provided me with a fraud affidavit that I dont feel comfortable giving them any of my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Bank Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation