vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XXXX, XXXX as I was making a drive-thru deposit in my TD Bank savings account in XXXX, Florida, the teller told me that the interest rate on my savings account was incorrect at .05 % and that she was going to 'bump it up ' to the going rate of 4 % ( on 260K interest increased from {$2.00} to {$850.00} per month. After traveling, I went into the same TD bank in XXXX and spoke in great depth with Assistant XXXX XXXX XXXX XXXX XXXX ID # XXXX, asking to be paid the appropriate interest on my money pending the interest increase in XXXX. $ XXXX had been sitting in my savings account for over 2 years attaining {$2.00} per month. She said she could only go back and pay retroactively 1 month. This was done. She stated that the reasons she could only go back one month was because - XXXX. I needed to also have an active checking account ( she and I checked and my checking account was VERY active ). 
XXXX. It was my responsibility to come into the bank when the interest rates started rising and ask for the correct amount of interest back in XXXX 
XXXX. That my account was not the type of savings account that was entitled to an increase in interest ( yet, the drive-thru teller had increased it without me even signing any paperwork! ) XXXX. It would be too difficult for her to go back through the months and determine the appropriate interest for each month as she didn't have access to the rates ( verbatim ). 
XXXX. She had spoken with the 'back office ' and they said they had sent out a notification card telling me what my interest rate was, however, could not provide a date that this was sent out ( I am meticulous with my banking mail and file all correspondence immediately ). 
I informed her that I would be filing a complaint and asked her to email me ( in writing ) all of the reasons why I could not get the appropriate interest on my account, however, to no avail, so I have best summarized what I was told. 
I suspect that this is being done to other elderly people who are not on top of interest rates, etc. I am looking forward to getting it resolved and I hope it raises awareness for others who are being taken advantage of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX and Equifax have both removed XXXX XXXX accounts from my report of a balance of XXXX they both have removed the balance and remarks from company and its documented to place the accounts back on my reports with more remarks after being closed and removed to be reopened and placed back on my report with late payments which is directly in violation of consumer protection laws!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Wasn't aware of it for years, because of the pandemic. Then several years later when I was made aware, I started trying to dispute my credit, to no avail. I was recently advised that you are allowed to file charges on identity theft regardless of the time frame. 
XXXX. XXXX XXXX XXXX XXXX # XXXX {$3800.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX # XXXX {$570.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX # XXXX {$3400.00} XXXX. XXXX XXXX XX/XX/XXXX # XXXX {$410.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX # XXXX {$3800.00} XXXX. XXXX XXXX XX/XX/XXXX # XXXX {$1600.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX # XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Per FCRA as a federally protected consumer I am opting out of any and all authorization I the consumer may have provided, written, verbal, unwritten and non verbal for the duration of indefinitely per 15 USC 6802. Per Privacy Rights Act of 1974. Per IRS Publication 4681 Canceled Debts are certificates of indebtedness and are now reported as income and income can not be collected.

Action Requested : Remove from ALL Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I am a victim of identity theft. Wasn't aware of it for years, because of the pandemic. Then several years later when I was made aware, I started trying to dispute my credit, to no avail. I was recently advised that you are allowed to file charges on identity theft regardless of the time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I got an email from Chime Financial that an account was opened in my name using an address I havent lived at for over a decade. I contacted them about this fraudulent account and they are closing it. However, I know XXXX XXXX  XXXX was opening fake accounts a few years ago and I wanted to make sure data was reported in case this is happening at Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VT

Complaint narrative:
I applied for debt forgiveness under the XXXX. I applied in spring of XXXX during the temporary waiver period. I clearly meet all the required criteria for forgiveness of my student loan : I've been employed by the same public service agency since XXXX and made monthly, on-time payments to my lender for my loan for over 15 years at the time of application. This should have been approved about 18 months ago, however I'm still waiting. To make matters worse, the customer service at MOHELA is often unfamiliar with the temporary waiver program that I applied to, so I need to educate them regarding my application process. Each call results in the same vague response regarding the application being in process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
A scammer impersonated Chime customer service after putting a fake number for Chime online. They had me push buttons, then writr a confirmation number while they took over and took {$2700.00} from my account. I called Chime and they wouldn't investigate it or give me his info or anything at all. I'm closing my account as soon as I can. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glass Mountain Capital, LLC
State: CT

Complaint narrative:
On XX/XX/29 around XXXX I received two texts claiming to be from " Glass Mountain Capital LLC XXXX. These texts can be seen in the attached. It was vague and provided a phone number and a link https : //www.glassmountaincapital.com/pay-my-bill.html I am suspicious of this correspondence for the following reasons : 1 ) The phone # provided in the text was different from the phone number that texted the message. 

2 ) I have no known overdue debts and my credit report reflects the same. 

3 ) I XXXX the name and it revealed it is a debt collector. The text made no mention of it being an attempt to collect on an alleged debt. 

4 ) As of today, Glass Mountain Capital LLC has not provided a mailed letter providing proof of a debt and may be in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting 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: MS

Complaint narrative:
My information was sold and bought illegally beyond was a victim of the XXXX data breach.I want these items Deleted from my credit reports effectively immediately.I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports

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 2023-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
Southwest credit syste, without any consent of mine placed a negative account balance on my consumer report XX/XX/2023, Ive never gave any permission for these account details to be reported and I believe my rights per 15 usc 1681 exclusions, as well as 15 usc 6802 because as soon as I became aware of what they reported it was XX/XX/2023 I specifically stated in a letter to them Per the fcra as a federally protected consumer I am now opting out of Any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802. They continue to ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681b - the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete ALL late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Attorney name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion failed to freeze or lock my credit report when asked to prevent 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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am a victim of identity theft. Wasn't aware of it for years, because of the pandemic. Then several years later when I was made aware, I started trying to dispute my credit, to no avail. I was recently advised that you are allowed to file charges on identity theft regardless of the time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Wasn't aware of it for years, because of the pandemic. Then several years later when I was made aware, I started trying to dispute my credit, to no avail. I was recently advised that you are allowed to file charges on identity theft regardless of the time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/23, XXXX XXXX fraudulently removed in excess of {$23000.00} from my Citibank checking account. I have made no payments to this merchant in over a year. These transactions were never authorized by me, nor was I notified of them or presented with a bill. Thankfully, my account had insufficient funds and the transactions were reversed. Citibank has refused to send screen shots of these transactions as my account has been frozen and access to it revoked. This is a serious matter as this fraudulent activity should never have occurred and Citi now refuses to cooperate to with my requests for documentation. 


Further, Citibank sent a wire in the amount of {$3000.00} that was never authorized by myself. I have been told I have to wait until this is investigated and in the meantime Citibank is not granting me access to view my account. 

To be clear, the account should be frozen while this fraud is investigated. However, I need the documentation to address why these transactions were processed in the first place.

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 2023-12-30 00:00:00
Product: Credit reporting 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:
The following debts below are not mine. Please note my name is XXXX XXXX XXXX and my phone number is XXXX as verified by this CFPB account to file this complaint. 

XXXX REMOVE THE FOLLOWING INFO FROM MY CREDIT REPORTS THAT IS NOT MINE : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX.. 

See evidence of my id SSN AND DL is enclosed

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 2023-12-30 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
i notice fradulent account and inquires on my account. these occurred recently transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-30 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
i notice fradulent account and inquires on my account. these occurred recently XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Didnt freeze or lock my credit report when asked for identity theft. Also put background information on it

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 2023-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
In 2020 I fell into financial ruin due to losing my job on more than one occasion and then being forced to move out of my parents house as a result of a toxic living situation and domestic violence issue. My bills more than tripled and I was forced to choose which bills to make a priority and pay. I receive government assistance for food, energy, and XXXX I have told these creditors repeatedly that I do not have any money to pay them yet they still continue to call and harass me and they have also reached out to my parents and their previous employers which is harassment. I would pay my debts if I was financially able to but I cant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX I was in a car accident. The other driver was at fault. My car was totaled. 
The insurance company XXXX took forever to close the claim. XXXX sent the payoff check on or around XX/XX/XXXX to Bridgecrest for my XXXXXXXX XXXX  in the amount of {$14000.00}. I had XXXX insurance with XXXX, XXXX paid {$7000.00}. We all worked together to get the correct amounts and documents to all companies. It took XXXX until XX/XX/XXXX to finish the claim on their end. I paid a remaining balance of {$1100.00} on XX/XX/XXXX when I found out there was a remaining balance holding up my account being closed. 

The pay off was {$21000.00} The total paid was : XXXX Bridgecrest owes me {$1100.00} back immediately. They have horrible accounting practices Come to find out, Bridgecrest closed my account and made it a CHARGE OFF as of XX/XX/XXXX, knowingly I/we were working with XXXX  to close this account. This has impaired my credit for XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. I was on time with my payments. I suffered a total XXXX XXXX from this accident. 

I have contacted Bridgcrest for the past 25 days and 17 business days for them to correct this error and correct my credit on all 3 bureaus. I have emailed the CEO, Chairman and CFO regarding this account error. XXXX on the Executive Team of Bridgecrest accounts can be reached at XXXX. I have emailed them 8 times, I have recorded calls as we all agreed to have recorded calls when they call me or I call them. I have provided them with documentation and requested them to correct my account credit by going back to the date of incident as stated by Bridgecrest, removing all late payments and correcting the chargeoff status on all 3 bureaus with correct amounts reflecting immediately. 

I have not received any updates or letters of credit or resolution in 20 days. I need help. This is unlawful and unfair. I have rights as a consumer

Company response to consumer: Closed with explanation