vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
In XXXX of 2023, I wrote a check in the amount of {$24000.00} and sent it by mail to the Massachusetts XXXX XXXX XXXX. When I received my electronic bank statement in XX/XX/2023, I verified that the amount had cleared the account. However, on XX/XX/2023, the payee contacted me to inquire the status of the payment. On that date, I reexamined the bank statement and the image of the front of the check showed the that the check had been altered. The payee was changed to XXXX XXXX and the word services was added on the memo line. I immediately contacted the Santander Bank fraud department and filed a fraud claim. Santander Bank has denied this claim in reference to a 30 day period during which a customer is expected to report fraud subsequent to the bank posting the statement of activity.

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX Inuiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX Inuiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX Date XX/XX/XXXX, XXXX  Inuiry Date XX/XX/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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have an account with Capital One credit card. 
I just found out that they have been charging me interest on a cash advance from 4 years ago. And the only way I can get that taken off my account, the cash advance, is to pay off my entire balance. 

Granted, if I'm being overcharged, it hasn't been a huge amount at {$5.00} to {$6.00} each month since the 2019 withdrawal. But while I have made late payments for the past couple of years due to lack of reliable income ( I'm a freelancer ), I have been doing my best to keep up. My balance at the moment is about {$2800.00}. I don't know if I'll ever be able to pay that off unless somehow I can get regular employment. 

But, the amount I've paid in interest fees on this, by now, is about the same amount as what I withdrew. I don't see that it's fair that I can't pay off the cash advance when I'm making payments. There probably is no recourse, but it just seems like a very unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I took a TD Auto Finance loan for 3 years with XXXX XXXX in XX/XX/XXXX. I wanted auto debit, but ended up with having invoice mailed, until bills started arriving on due dates or after due dates in XXXX, after complaining they put on auto debit in XX/XX/XXXX. I thought everything was fine until I received final payment notice in beginning of XX/XX/XXXX where I noticed I was being charged {$260.00} in late fees, I called TD on XX/XX/XXXX and was told I missed my first payment and was getting nowhwere and asked to talk to a supervisor, where I was told there was none working. I finally was called by a so called supervisor on afternoon of XX/XX/XXXX, and he said I closed the acct and reopened it-which made no sense whatso ever and he said I missed a payment and that payment was never made up so I was paying late fees every month. 1. I have never been contacted by anyone about payment missing-why? 2. I put them on auto debit -why was this payment and /or late fees not collected-as they could have done this at anytime. This is a way to increase their bottom line at my expense. On top of this, I mailed them the payoff after talking to my attorney and they cashed my check and took another payment for {$10.00} more than the final bill. Now they have extra money, I want it back and I want all late fees refunded with a letter of apology for their unprofessional business and stating the multiple lates were their error-If a payment was late they had 2 yrs or more to collect and chose not to so they could pile on the late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I sent a check via usps with tracking. The company received my payment in plenty of time before my due date but sat on the payment for over a week before posting it to my account. They then charged me a late fee and interest and account assure fees on the " late '' balance. The check I sent would have paid off my account and then some. They finally refunded the late fee but did not adjust the other fees I was charged. They also did this to me on another store card I have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
For the last 10 months I have sent in disputes, disputing the negative items on my credit report as of todays date the only thing that was postive done on my credit report was that XXXX removed the bankruptcy from my credit report Eperian and XXXX have not removed the bankruptcy nor have they made any major change on my credit report.My personal information is STILL INCORRECT AND THERE ARE STILL INACCURATES ON MY CREDT REPORT!! All 3 credit bureaus ARE in violation of FCRA -FAIR CREDIT REPORTING ACT, MYname is incorrect see : social security card! this my last attempt for all 3 credit bureaus to correct and delete all items from my credit that I attached with this complaint if not I will consult an lawyer and file a law suit see : attachment!

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
This complaint concerns my personal account on Coinbase ( coinbase.com ), a centralized crypto exchange platform. On XX/XX/2023, XXXX XXXX XXXX, I received an email stating " Suspicious activity detected on your Coinbase account '' and my account has been " temporarily disabled ''. I have not violated any terms of services, I am the sole owner and manager of this account, and I have not observed any fraudulent activity on the account. ***I am unable to make any transactions, including withdrawing funds, on my account, with no explanation, timely updates, or a timeline as to when I will be able to move my money. I have talked to online support ( live chat ) multiple times and have been told that I must wait, with no updates. *** This is unacceptable and unprofessional behavior. I am requesting that this complaint expedite their review and/or immediately enable me to withdraw my funds and have my account restored. My most recent case reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  XXXX is my mortgage company. My monthly payment was set up from my XXXX Checking account in the amount of {$2900.00} on the first of every month. 

XXXX conducted an escrow analysis in XX/XX/2023. XXXX XXXX XXXX had adjusted the property tax rate which changed my mortgage, and XXXX determined I owed an additional {$37.00} a month, changing my mortgage to {$2900.00}. 

I wasn't effectively made aware of the change. The {$2900.00} autopay was deducted from my acct in XX/XX/2023 and not returned. So the {$2900.00} was in the possession of XXXX XXXX, minus the {$37.00} to make my account current. And there was nothing to alert me that I owed them the difference. 

This same scenario happened in the month of XXXX while I was on travel. I reviewed my mortgage statement online and saw that I owed them the difference of {$37.00}, and paid them from my XXXX checking acct to make the acct current, and then adjusted my XXXX Banking autopay to reflect the {$2900.00} as the new payment going into XX/XX/2023. 

They failed to give me credit for that adjustment in XX/XX/2023, and held my account in suspense and then forwarded a written letter to me that I didn't recieve until XX/XX/XXXX when I returned home from travel. 

My comprehensive review of my mortgage payment history never reflected a late payment, and there are accounting errors that don't add up between the .pdf statements and the .pdf summary. 

in XX/XX/2023, without any warning or attempt to recover the {$78.00} I owed to make the acct current, they reported my to the credit bureau. My XXXX XXXX XXXX was reduced to a mid XXXX score effecting my life, my businesses, and my ability to take care of my family. 

Further confusing the situation. My amended XX/XX/2023 payment shows me owing XXXX {$180.00}, which isn't accurate. I will {$2900.00} on XX/XX/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 2023-08-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  XXXX is my mortgage company. My monthly payment was set up from my XXXX Checking account in the amount of {$2900.00} on the first of every month. 

XXXX conducted an escrow analysis in XX/XX/2023. XXXX XXXX XXXX had adjusted the property tax rate which changed my mortgage, and XXXX determined I owed an additional {$37.00} a month, changing my mortgage to {$2900.00}. 

I wasn't effectively made aware of the change. The {$2900.00} autopay was deducted from my acct in XX/XX/2023 and not returned. So the {$2900.00} was in the possession of XXXX XXXX, minus the {$37.00} to make my account current. And there was nothing to alert me that I owed them the difference. 

This same scenario happened in the month of XXXX while I was on travel. I reviewed my mortgage statement online and saw that I owed them the difference of {$37.00}, and paid them from my XXXX checking acct to make the acct current, and then adjusted my XXXX XXXX  autopay to reflect the {$2900.00} as the new payment going into XX/XX/2023. 

They failed to give me credit for that adjustment in XX/XX/2023, and held my account in suspense and then forwarded a written letter to me that I didn't recieve until XX/XX/XXXX when I returned home from travel. 

My comprehensive review of my mortgage payment history never reflected a late payment, and there are accounting errors that don't add up between the .pdf statements and the .pdf summary. 

in XX/XX/2023, without any warning or attempt to recover the {$78.00} I owed to make the acct current, they reported my to the credit bureau. My XXXX credit score was reduced to a mid XXXX score effecting my life, my businesses, and my ability to take care of my family. 

Further confusing the situation. My amended XX/XX/2023 payment shows me owing XXXX {$180.00}, which isn't accurate. I will {$2900.00} on XX/XX/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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made a payment on XX/XX/2023 using my bill pay account for the amount of XXXX to my American Express credit card. Upon receipt of the payment Amex cs told me that the available credit should update withing 24-36 hours. When that time passed I contacted Amex cs again and they told me 72 hours this time. So I waited for the 72 hour period and contacted them again regarding my available credit. I was told this time that the available credit was put on hold indefinitely. So I got mad and cancelled the account and requested that the minimum payment be held and the rest of the XXXX payment be returned to me. That is when the mess started. While making my payment using the bill pay, the system gave me an error. So I sent the payment twice without realizing as each time I processed the payment it gave me an error. I decided to leave the system alone and wait for a day or two to check on the status. So the next day I saw that instead of one payment three payments went out. So I moved my money from the account so only one payment could pay. The other two bounced. So one was duplicate on XX/XX/2023 and the other one was sent on XX/XX/2023. I have asked the customer service weather I could request my payment back as American Express only requires that a minimum payment be satisfied, I was informed that yes. So Ever since XX/XX/2023 I have been requesting my payment back and I would get a denial as the the team ( backend ) as they call it would state that I did not have credit balance on the account. I have been struggling for months to explain to these foreign agents from XXXX and XXXX that I had only requested that my payment be returned to me but they kept sending me messages and letters that my two payment were returned therefore there was no credit balance on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: NJ

Complaint narrative:
I have requested on several occasions for National Credit Audit to remove the collection for my credit report. This account does not belong to me I have filed several complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX -- XXXX XXXX says he's the XXXX. He said they're registered with the state of SC, and that he works for Location Services. They threatened to send someone to my house. 

They call M-F. I answer the phone. I spoke to them yesterday!! 
Today they called and let the phone ring back to them without answering. I called back and asked why they were harassing me when I just spoke with them yesterday. 

XXXX said I was rude and I needed to be quiet while he spoke. He then asked me " if the Lord knew '' how rude I was. He said he didn't think " the Lord would approve '' of how I acted.

RELIGIOUS HARASSMENT IS A STEP TOO FAR AND SHOULD BE ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect 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 2023-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
On XX/XX/XXXX Target Card Services called me an said " this is an attempt to collect a debt '' I said " first off I did make a payment on the XXXX of XXXX, it was not the minimum amount due but I paid {$200.00} ''. I then told the representative that " Without Fail '' I would pay the {$320.00} due on XX/XX/XXXX as that was my payday and I would pay online. She said she'd make a note on my file. I paid {$320.00} via online on XX/XX/XXXX. On XX/XX/XXXX I was checking my account and noticed I was short money. I noticed Target Card Services had taken another {$320.00} out of my account on the XXXX of XXXX via a check they generated without my permission. I also received a letter on the XXXX from Target Card Services thanking me for my phone payment on the XXXX of XXXX. I never called them on the XXXX, they had no right to take a payment out again, especially via a generated check created by them or TD Bank. I called Target Card Services right away to rectify the situation. The representative I spoke to did see the 2 payments and said they would put in an investigation to the double payment and get back to me. He said it could take up to 60 days, most likely not but it could. I then called XXXX my Credit Union and explained to them what happened. I was switched over to the Fraud department and put in a claim. The representative did say she had never seen a check generated like the one Target put in for the payment before. I signed e-documents and the Credit Union put in a fraud complaint to Target. My Credit Union put the money back into my account on the XXXX of XXXX and said I did not have to do anything else, that XXXX would handle everything with XXXX. I received an email from Target Card Services on the XXXX saying they returned my E-payment. As I checked my Target Account they charged me a {$30.00} return fee and {$1.00} interest charge. I called Target Card Services on the XXXX and spoke to XXXX the supervisor of Card Services and he took those fees off my account. This whole issue had me stressed because I didn't know how long it would take to resolve and I had bills to pay with the extra money they took out of my account. I also think this is considered check fraud. I never gave any kind of permission for anyone to create their own check against my account to pay a bill that needed to be paid or in my case was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief