vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I deposited a check for {$17000.00} into my checking account.The bank cleared the funds. It turned out to be a fraudulent check and they took the funds back. It was a scam that costed me {$3000.00} since I cant reclaim those funds. I would have never drawn out money if the bank did not clear the check. I cant understand why they would not hold the check longer due to the amount. I spoke to a supervisor at the bank and they said its their policy and that I should contact the person who issued the check. I cant contact the issuer because I can not track them down. The bank should be responsible negligence in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I recently did a refinance on my home and included a payout to my credit cards. Macy 's was sent a check on XX/XX/XXXX in the amount of {$2000.00} from the title company. The check included a letter with my information along with a memo on the check with my address and last four digits of my credit card. The check was received by Macy 's on XX/XX/XXXX. The check was cashed on XX/XX/XXXX. I have contacted Macy 's customer every week at least twice a week since they received the check which at first they claimed they did not receive. I put in a dispute and then they stated that they don't know where the check was credited. When I call the customer service they know nothing and just keep saying that billing will look into it but will not give me a phone number for billing. I then received a letter from Macy 's on XX/XX/XXXX stating that as of the date of the letter they had not received my check. I then faxed them the ups receipt that they did receive the check and a print out from the title company of the cashed check. I do not think that any consumer should have to go thru this to make a payment. Needless to say I am now out of {$2000.00} dollars that Macy 's claim they can not find.

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 2022-10-31 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-31 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
XXXX just switched banks to Comenity. On XX/XX/XXXX I called to find out where my new card was & was told that it would arrive on XX/XX/XXXX. I explained that we would be in XXXX then & was there any way to get it sooner. I was told NO. Yet they wanted me to give them a payment over the phone. I said I would pay when my card arrived & I actually have an account with them. 
We arrived home yesterday & we have a bill from them but no credit card. I called to find out what was happening & at first they told me I wasn't in their system. When I mentioned I had a bill from them I was asked to read the # 's off the bottom of the bill & suddenly they found me. I explained that our card never arrived. I was told they would reissue my card & it would be at least 2 more weeks before it arrives. I told her to please understand that until I have an actual card & account with them I am not making any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: NJ

Complaint narrative:
Someone obtained my information and opened an account with Comerica Bank in my name. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/2002 I sent a letter to XXXX, XXXX and Equifax advising them to remove outdated and information that doesn't belong to me, they have yet to do this. 


The credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX my bank account with Capital one Bank was closed WITHOUT ANY PRIOR NOTICE that I was being investigated and in jeopardy of having my account closed. They tell me that the sent a email on XX/XX/XXXX but I did not receive any email from them regarding this matter. 
I was a member of this bank for over 15 years and am very upset at this happened. I am more upset of the lack of care and notice that was given to me. I am a retiree who only receives a monthly check that does not fulfill all of my monthly cost. With the way that this matter was handled by Capital one I was unable to pay my XXXX bills nor purchase food. I know that I will eventually receive my funds, but Capital one has blocked me from my money until they mail it to me and can not give me any indication of when that will be. This in inhuman. I have done nothing wrong but I am being treated as nobody. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Capital One Bank has made me feel extremely violated. 
I am not sure what can be done, but I needed to report this treatment. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Investigation took more than 30 days and letters were sent out on this date XX/XX/22

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 2022-10-31 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-10-31 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I submitted a dispute for services not rendered as described ( false advertising ). Another credit card company investigated the same claim in my favor, and even though I did receive services, they were subpar. I provided emails, text messages, and photos supporting my claim. I also submitted complaints to the FTC, the attorney general ( due to the false advertising/fraud ), and the XXXX. Citi bank wrongfully found in favor of my merchant and will not allow me to appeal. I have worked tirelessly to solve this with the merchant, to no avail.

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 2022-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Got loan from fortiva for purchase of XXXX XXXX XXXX. Purchased in XX/XX/XXXX XXXX functioned well until I moved. Moved to new address XXXXXXXX XXXXHad XXXX reinstalled end of year XXXX at new address .The beginning of XX/XX/XXXX my family and I noticed personal property missing, yet we got no alerts of doors being opened. This has continued until now someone entering my home stealing. I usually shred my receipts when I purchased things. I called XXXX many many times my property was being stolen XXXX wasnt getting alerts. So the last timeI shopped I took pictures of what I purchased also took pictures of receipts and sent them to my daughter. Couple days later went out to run errands, returned home to find half of my things missing that I just purchased. Since I had proof of my purchase I was XXXX to file a police report, also my daughter was a witness. I reported to XXXX the burglary and the police report. I wanted the equipment checked it was being breached somehow. They want to charge me, No I will not pay this has been going on for 10 months. I called so many times, and they wont replace XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
I am a borrower impacted by the Joint Consolidation Separation Loan Act I contacted Mohela about our loan # XXXX by phone the beginning of XXXX asking for a 30 day forbearance and they verbally granted it. But they are still sending a bill for it. I emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX explaining this to them and they only responded with an explanation that I already have a forbearance on this loan, but they are referring to my other loan # XXXX which is part of the pandemic forbearance. I tried calling and was placed on hold for 120 minutes and when someone answered, they took my personal information and put me on hold back at the beginning cue that said " your approximate hold time is 100 minutes. I had to go back to work and could not hold for an additional 2 hours. 

I also completed my annual recertification information on XXXX and they are sending me letters stating that I have not done it and increased my payment by {$300.00}. 

I also emailed asking for a PSLF forbearance due to our application sent in for the temporary waiver and they have not granted it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Good Afternoon, Ive opened a dispute with the Experian credit reporting agency, issued on XX/XX/22 via USPS ( priority mail ). Within the declaration provided details of the incorrect information they were reporting that I was contesting. I provided substantial documents including my government issued state drivers license and social security administration card to reflect as evidence of the only personal information belonging to me. I must mention, that is the 4th attempt regarding this matter. This is the 2nd formal request to remove the addresses on file that they are reporting as they do not belong to me and I have never held residence to either. Additionally, I added to reflect the information that only belongs to me as reflected on the aforementioned documents provided to them. Experian is violating my consumer rights as they are reflecting addresses that do not/never belonged to me and refuses to remove these addresses and reflect the address that I only ever lived in the last 2 decades. Every other consumer agency complied with my request except Experian. This is legally wrong. Please launch an investigation into this matter and allow for the removal of the addresses that they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Nationstar Mortgage LLC did not receive the promissory note from a party who was legally in possession or who had the legal capacity to transfer the note. Nationstar Mortgage, LLC has never been the owner of the note. Nationstar Mortgage LLC did not pay value for the note. Nationstar Mortgage LLC claims XXXX  was on the original mortgage and that the homeowners agreed to designate XXXX  as a nominee. XXXX  IS NOT on the mortgage anywhere and the homeowners DID NOT agree to designate XXXX  as a nominee. WHO TRANSFERRED the promissory note to Nationstar Mortgage LLC. Who was the custodian of the collateral file? How did Nationstar Mortgage LLC obtain possession of the promissory note? 

What does " new loan '', " no cash '' mean? 

Aurora Loan Services , Inc went out of business and did not have the authority to service transfer anything to Nationstar Mortgage LLC. Aurora Loan Services , inc had a cease and desist order against the company. A service transfer allows a servicer to collect payments for the LENDER. WHO IS THE LENDER? Who was Nationstar Mortgage collecting payments for? These are valid questions, as only the TRUE CREDITOR and legal owner of the debt should have received payments. A loan servicer is not the owner of the debt or the creditor. A loan servicer does not have the authority to bring a foreclosure action in its own name without the true creditor and owner of the note joining or ratifying the action. 

The balance showing due on the mortgage payments is incorrect. Our mortgage was paid off and Nationstar Mortgage LLC was collecting payments on a loan that had been paid in full. Your business records are incomplete and you are not capable of showing the amount owed or not owed because you can not trace the loan history back to the original lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Goldman Sachs XXXX XXXX, XXXX XXXX XXXX XXXX, Pa XXXX Adverse Action To whom it may concern ; Im writing this letter to inform you about the credit transaction entered with your Company XX/XX/2022, and I extended your organization the credit for the Apple Card with this email address. 



Im giving your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which means shows the pertinent facts of this transaction. Your Company never informed me about the Cost of Credit and only evidence of indebtedness was just a computer-generated agreement. 



According to the law 15 USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any means reasonably assuring the receipt thereof by the cardholder. 



Since there was not an adequate notice given as per above mentioned section, I couldnt understand its meaning which is violating my rights under 15 USC 1602 ( k ).

Furthermore under 15 USC 1601 ( a ) consumer must be aware of the Cost of the transactions. Since I wasnt aware of the transaction, there was an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 



From your side I have not benefitted from this above transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ) The term unauthorized use means use of a credit card by a person other than the card holder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. 



I hereby request you to these things below mentioned 1. Reverse the adverse action that was sent to me and please send me my credit card with my proper name on it.

If your company accepts my request, I will not escalate this matter to Federal courts, but if my letter is rejected for some reason, legal action will be taken against your company for compensatory damages. 



Thank you for your time and attention for this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

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 : also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

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 : also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation