vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank takes {$15.00} out each month if your account goes under {$100.00}. In XXXX, I legitimately was low. In XXXX, I briefly went under {$100.00} for a few hours when they charged the maintenance fee. I corrected that. Now, XX/XX/2023 I went under again for a few hours because of what happened in XXXX. The ONLY reason for the low balances is from the maintenance fees the bank is charging each month. This is predatory. No customer should be charged a maintenance fee if the only reason they are low if because of a fee the bank itself has charged. 

I am told they do not charge a fee if the call is made the same day the fee posts. But the fee posts in the middle of the night. I check my accounts the first thing every morning. I am not given an opportunity to change it the day they charge it. That's predatory too. It should be based on 24 hours and not the physical date the fee was charged. 

We live paycheck to paycheck like many other people. That extra {$15.00} is very important to our budget. This predatory behavior is reminiscent of the settlement TD Bank had over predatory overdraft practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ive recently checked my credit report and I see there are accounts that Ive never opened and I need them removed IMMEDIATELY! My grandmother that I used to live with XXXX XXXX open this account using my information trying to so call help me when I never asked for this account open.I never knew about this account till now I had a problem going on where she was using my information so I couldnt move and leave her home so when I do ever go to get a apartment I cant because of her messing it up and the police got involved and she lied multiple times. She has opened multiple accounts in my name even a loan and I dont know how to even get a loan I just turned XXXX. Please remove this from my credit report. 

XXXX  Ive called yall about a late payment because She messed it up she has access to all my information Ive mad a police report because shes trying to mess my life up since I left her home.she had access to my bank account since I was connected to her bank account before I was able to make my own. 
Remove the late payment from my credit report or close the account and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: SC

Complaint narrative:
Debt was paid and account closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: TN

Complaint narrative:
I did a background check XXXX CheckR completed it on XX/XX/2023 There is information on my credit report from over 25 years ago and it is duplicate information. Some information has been expunged but still appears this information cost me my job and i have lost income this is not right i wish to file a complaint check r is always reporting old or incorrect information this is not the first time that this has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: OK

Complaint narrative:
Credit karma took over XXXX and with it they took over my account. 

They keep sending me things to create an account with credit karma ( I refuse ) my account had been closed since the Start of XXXX. 

Multiple phone calls all end with them saying they can't direct deposit into any of the provided bank accounts. And they also can't mail a check. They say my only way to get my money is to open an account or wait for an email ( which they haven't replied in over 2+ weeks ) and that they escalated my profile. I think they're doing this to many customers. 

I have no signed paperwork with credit karma. They are holding my money ransom to force me to open an account. It's deceptive, and it needs to stop. 

It's been XXXX weeks since I told them to send my money via check ( they replied they can't send checks ). 

I provided XXXX different bank accounts and routing ( they state there is an error with their system so they can't deposit ) I've reached out via email Multiple times a week since XXXX and Multiple phone calls. 
They will not give me my money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX personal XXXX  - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2023, I was checking my email and noticed that XXXX Bank had sent me XXXX emails informing me about my new credit card the problem was that I had not applied for a new credit card. I proceeded to call XXXX Bank to report this fraud. They canceled the card and told me they would report it as fraudulent. They advised me to add a credit alert in the Credit bureaus. That day I called XXXX and added a credit alert to my account. 
On XX/XX/2023, I received a phone message from Capital One Bank telling me that they were trying to contact me about my recent credit card application the problem was again I had not applied for a credit card with any bank. I proceeded to call Capital One Bank and informed them that I had not applied for a credit card. 
I then opened an account in XXXX to check the hard inquiries on my account and also notice that there was another attempt to open a credit card under my name on XXXX XXXX XXXX. I also called them and informed them that this was a fraudulent application they told me that they would cancel the application and report it as fraudulent. 
I then called XXXX, XXXX, and XXXX to freeze my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: Paypal Holdings, Inc
State: AL

Complaint narrative:
Dear PayPal, I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I believe that this limitation was placed on my account by mistake and I would like to appeal this decision. 

Firstly, I want to emphasize that I have not violated any PayPal policies. I have always adhered to the terms and conditions set forth by PayPal and have conducted my transactions in a lawful and ethical manner. Therefore, I am confident that there has been an error in the assessment of my account. 

I kindly request PayPal to re-investigate my case thoroughly and consider lifting the permanent limitation on my account. I believe that a careful review of my account activity will reveal that I have been a responsible and compliant user. 

For your reference, the email address associated with my PayPal account is XXXX. I would greatly appreciate it if you could provide updates on the progress of the investigation and any actions taken. 

I trust that PayPal will take my appeal seriously and give it the attention it deserves. I hope that you will reach a fair and just conclusion, recognizing that I have not violated any PayPal policies. Restoring my account would greatly alleviate the inconvenience and distress caused by this limitation. 

Thank you for your prompt attention to this matter. I look forward to a positive resolution and the reinstatement of my PayPal account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Hello, we have a mortgage with Wells Fargo for XXXX XXXXears, we also had a XXXX XXXX bankruptcy which didn't include the mortgage, during this process Well Fargo received XXXX from HUD in addition to regular payments, we recently sold the house and WF is claiming we owe XXXX plus the XXXX from HUB, the original house price was XXXX and we have been paying over XXXX a month for XXXX years, approx. XXXX, we asked for an audit to see where all this payments have been applied and we get the run around, we know interest takes a lot of what we paid but it seems that owing more that was we paid originally is a bit much, we want out account to be audited and have no proper direction on how to do this, any assistance would be appreciated.

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 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have called the bank Truist since XX/XX/XXXX. I made XXXX claims all denied and yet the merchant states that charged me its was a incorrect charge. The bank no matter what I do will not honor the refund. I sent in over XXXX letters and I call daily. I want my money back. The plane I was suppost to take canceled and the airlines issued me a refund back to my debit card I sent in all the paperwork to the bank disputing the charge. The bank says its a valid charge. I have the letter from the airlines showing where I was refunded avd the bank needs to located my funds and they cant seem to. Also they wont call the airlines and communicate with them to locate these lost funds.

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 2023-06-14 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
MY MONTHLY MORTGAGE PAYMENTS TO XXXXXXXX XXXX IS SENT BY BY BANK XXXX XXXX. THESE PAYMENTS ARE SENT ON TIME FOR CREDIT IN THE MONTH IT IS DUE. I RECEIVE AN EMAIL FROM THE BANK THAT MY PAYMENTS FOR XXXX, XXXX AND XXXX, 2023 BEFORE THE END OF THE CURRENT MONTH. 
AS A RESULT I DISPUTE THAT I WAS 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 non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: PA

Complaint narrative:
TrueAccord is attempting to collect a debt letter dated XX/XX/. I replied in writing on XXXX XXXX  that the debt dispute the debt is not mine and ask for validation. I also call to verbally dispute, Received a text for this company on XX/XX/XXXX and called again XX/XX/XXXX and was give the a completely different and additional five account of collections totally {$820.00}. I filed a police report of Identity Theft with the police department XXXX. The Officer recommended to me file this report to assist with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. The following creditor inquiries will need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
My school loans were transferred to Mohela. I was at XXXX payments towards PSLF. My Mohela account SHOWED that my payments were at XXXX payments. I submitted an employment certification update from my current employer ( XXXX XXXX XXXX ), as I try to do every year or so to keep my payments updated. Instead of adding payments, Mohela TOOK AWAY payments and set be back at XXXX payments. I contacted them XX/XX/23 to resolve the issue. Thier tracker is still sitting at XXXX payments and they have not contacted This has me insanely concerned, since I was so close to pay off. They have all of my certifications on file and I completed the temporary PSLF application back with my previous provider ( however I had applied and been tracking PSLF my entire career ). 

Thank you

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 2023-06-14 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: FL

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. The following creditor inquiries will need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. The following creditor inquiries will need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX personal XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 non-monetary relief