vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 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:
Noticed CFPB # XXXX Was never registered with supporting Documents HOWEVER XXXX was sent with supporting documents Registered Letter see attached XXXX has taken all 5 months with frivolous responses SEE ATTACHED the Ca attorney General has been notified EXPERIAN AS WELL SENT REGISTERED LETTER This does not meet exstensions to prolong ALL BOTH AGENCIES RECEIVED DOCUMENTATION THAT QUALIFIES IMEDIATE REMOVAL AND CORRECTIONS EXAMPLE LISTING COMPANIES THAT ARE LISTED UNDER BANKRUPTCY also I would like to add Experian and there employee XXXX has been asked to be removed from my case as well CA Attorney General was notified as well HE THINKS ITS A JOKE refer to recorded phone calls

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 2023-02-02 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received two hard inquiries on my credit report on XXXX One was on my XXXX credit report by Comenity Capital/XXXX where I spoke to XXXX and Comenity Capital/XXXX and found out that it was for cosmetic services and the application was approved for {$3200.00}. I spoke with Comenity representive and they said they would cancel the account as fraud and will take care of the hard inquiry, but I want confirmation this has been done. I then received another hard credit inquiry by XXXX XXXX also on XX/XX/ and also received a text with code and I did not request this. I called XXXX XXXX and they confirmed that the person had all my information and applied online-except older address-and applied online but was denied so no account exists due to fraud, but I want to confirm the hard inquiry will be taken off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Last year around XX/XX/XXXX I notice some unauthorized charges on my account from XXXX that went back into the year of XXXX and I called Wells Fargo to have them removed the charges because I did authorize the charges and the service that I was being charged for I never had. Wells Fargo give me a hard time transferring me around and the only some of the charges where removed. 

Around XX/XX/XXXX I called Wells Fargo back because I was still being charged by XXXX. I got a Representative who made a three way called to XXXX and the XXXX XXXX told the rep from Wells Fargo that I shouldn't of been charged and that the service were not mines. The Wells Fargo Rep told me she would disputes everything and have it removed. But I notice in XX/XX/XXXX that I was still being charged. And they give me a hard time to to have the charges removed. 

In XXXX of XXXX I came down with covid and was in the hospital so I couldn't pay my bills. Once I went back to work I contacted Wells Fargo on XX/XX/XXXX make a payment plan to catch up on the charges and the agreement was that if I paid {$87.00} by XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX to reset my account balance to current, all the lates payments will be removed, and they would report to the credit agency as paying as agreed. I paid {$100.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and then I started to get emails from all 3 credit bureaus stating that I was still delinquent. 

I recently called Wells Fargo and they told me that I still had a late payment, and that they had to investigate what I saying and it would take 10 days and now they are saying that I have to wait 4/5 months instead of 3 for them to make any changes. But in the mean time they are still report to the credit bureau that Im delinquent. Which is unfair because I follow through with the agreement. 

Every time I call they keep me on the phone for over an hour and they never do anything. 
They transfer me around to different departmants and no one can never handle the phone call.

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 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I paid above the minimum payment every month ( for 3 years ) and never could get Wells Fargo to apply my payments correctly. Because of this, I was unable to pat down my auto loan accordingly as interest fees & chargers were continuously applied to my account that otherwise were incorrect and higher than they should have been had my additional payments been applied correctly to my balance. This is in response to Wells Fargos settlement lawsuit as I have recently closed my Wells Fargo account and no longer have a line of credit with them.

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 2023-02-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
VENMO has charged me {$1500.00} & {$650.00} several times and have NEVER SENT THE MERCHANT THE MONEY! ... I have already paid the merchant so he ( XXXX XXXX ) would get his money due .... Venmo still owes me a credit for BOTH charges XXXX XXXX Total of {$2200.00} is the credit they owe me I have called them a dozen times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( payment from me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment 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 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing a copy of my personal credit report, I have come across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I can not dispute anything on XXXX online the system continues to give me error messages. I sent legal documentation of my name change and none of credit bureaus updated it correctly or accurately. I can not access XXXX at ALL. 

I was a XXXX  XXXX relationship last year. Financially burdened by debt due to XXXX  XXXX. 

I am trying to dispute XXXX XXXX but the system will not let me for the amount of {$860.00} My legal name change wiped out my credit report along with the XXXX  XXXX. 

I am trying to relocate and denied housing due to my credit report. 

XXXX and Transunion both did not update my legal name in their system. It should have me listed as 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 2023-02-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I can not dispute anything on XXXX online the system continues to give me error messages. I sent legal documentation of my name change and none of credit bureaus updated it correctly or accurately. I can not access Equifax at ALL. 

I was a XXXX  XXXX relationship last year. Financially burdened by debt due to domestic XXXX. 

I am trying to dispute XXXX XXXX but the system will not let me for the amount of {$860.00} My legal name change wiped out my credit report along with the XXXX  XXXX. 

I am trying to relocate and denied housing due to my credit report. 

XXXX and XXXX both did not update my legal name in their system. It should have me listed as XXXX XXXX ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This complaint is solely aimed at the unprofessional, disgusting practices of TD Bank. They once again erroneously froze my joint account and took mine and my wife 's funds out, all of her funds due to some alleged garnishment in Virginia. 

Even if the garnishment was legal, in Florida, the most theyre allowed to take is up to 25 percent of the salary, but the truth is, she is also the sole provider for the child so they cant take anything!

What gives them the right to take all my wifes money and my money out of our joint account????? Theyre not allowed to take more than 25 percent, and since she's the sole provider for the child they aren't allowed to take ANYTHING under the Florida law.

The same thing happened last year and TD Bank apologized and released the funds. Apparently theyre doing the same exact thing again this year because they failed to train their employees on this issue! They froze my wife 's funds, took her checks. My wife 's accounts were suddenly put into XXXX, including my joint account that I have with her and its frozen because a collection attorney claimed that my wife owed around {$5000.00}. They created a garnishment summons out of thin air!! What is this based on? And what gives them the right to freeze our joint accoint and hit us with {$150.00} in fees? And what makes this even worse is that my tax return, in my name, is set to go into our joint account and they refuse to release any of it. Its my money! 

I don't know or understand why TD Bank is doing this when they even admitted that the attorneys behind this shady garnishment submitted the wrong paperwork the last time this happened, and that they also can not find the judgment. TD Bank once again refuses to put any of this in writing, they dont know what theyre doing and cant answer simple questions, which makes it even more shady. I respectfully request CFPB gets involved in this incredibly unprofessional business practice at once. The XXXX department needs to be trained better and TD Bank knows better.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is in constant violation of my rights to privacy as a Consumer, in accordance with the FCRA I have constantly asked them to stop violating me under 15 USC 1681, 15 USC 1681 section 602, also 15 USC 1681 section 604 section 2 says they can not report anything on my credit report without my written consent, -FDCPA section 807 Violation misleading false reporting 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 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 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: DC

Complaint narrative:
On XXXX XXXX XXXX  I settled the account and have not received the title to the vehicle, nor have I received the final paperwork closing out the account. On XX/XX/, I wrote again to resolve this matter, extending them three ( 3 ) additional business days to respond ; as of XX/XX/, the allotted time has now expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer Dash any and all accounts you post on a credit report. Otherwise anyone paying for your reporting Services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( and original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX remove incorrect addresses XXXX XXXX XXXX XXXX, Ohio XXXX. XXXX XXXX XXXX XXXX XXXX to me XX/XX/XXXX, XXXX According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer XXXX  any and all accounts you post on a credit report. Otherwise anyone paying for your reporting Services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( and original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX Please remove incorrect addresses Addresses : XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. 
XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX, XXXX michigan, XXXX XXXX. XXXX XXXX XXXX XXXX Apartment XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX Apartment XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX Apartment XXXX, XXXX XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX MI XXXX Please remove incorrect phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please remove incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove incorrect date of birth : XX/XX/XXXX 1987

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
Again you have ignored the fact that you yourselves told me I had until midnight last night to access and move funds but my account was already fully closed refusing me the access to my money that you said I would have access to until midnight. I called four times sent numerous emails to no avail. I have been told it's closed because of a deposit agreement term or condition yet I have zero idea of what you mean I want specific examples. Furthermore also ignored on every call and email was me explaining I can not receive mail or a check at the address you have in file and I want the access to my money that chime promised me which turns out was a complete and utter lie. I'd suggest escalation in this is too a manager if you do are unable to do anything to fix this illegal error chine has made. Forward to someone who has the ability or authority to fix y'all 's huge mistake quickly. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: USCB, Inc.
State: CA

Complaint narrative:
I spoke with USCB AMERICA a few weeks ago and they claim that I owe them money since 2017. They can not provide me with original receipts nor correct info. This creditor never appeared in my credit report before and now its showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/2023 in the amount of {$3000.00} I made a payment to my credit card bank of America on XX/XX/2023 in the amount of {$3000.00} they took the funds out of my account and shows the payment on my account but they made the payment a charge vice a credit to my account like they should of. I called they refuse to make the {$3000.00} payment I made show as a credit to my account vice a charge and they took the money out of my account. SO they basically XXXX XXXX XXXX from me. I want this payment credited to my account ASAP! i ALSO WANT A CREDIT FOR ANY INTREST CHARGED FROM XX/XX/XXXX UNTIL THE DAY THEY APPLY MY PAYMENT AS A CREDIT VICE A CHARGE.

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America after reviewing my credit report I have came across some serious and unlawful issues with your bank on false credit reporting! I found that your company has been re-aging old debt for quite sometimes and this is ILLEGAL ON YOUR BEHALF!! I asked you to review experience credit report and look at the XXXX. Has been forge and re-aged it is showing XX/XX/XXXX of XXXX. We both know that is not correct! So I will need for your office to explain in great length as to how the XXXX got change from the year XXXX to XX/XX/XXXX? This is Illegal credit reporting you can not change a XXXX is when the account first came delinquent! This is a very serious allegation Bank of America and Ive noticed XXXX XXXX XXXX had already removed your account from my credit reports but you seem to want to hold on to keeping it on XXXX I guess for retaliation and payback but you can not do this this is illegal again false credit reporting in Bank of America I urge you to review the uploaded documents from your own company when you stated when the account closed and transferred. There is no way XX/XX/XXXX is when the account first came delinquent this is negligent and willful on your behalf I urge you to remove this trade line and its entirety from the XXXX credit report due to false credit reporting is FCRA violations and explain to me why did you thought that that was OK to re-age this account each year and I thank you and look forward to your response! 

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 2023-02-02 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 have been identified as a member of the Settlement Class in XXXX XXXX XXXX v. TD Bank, N.A in which plaintiffs allege the defendant unlawfully assessed Retry NSF Fees. The Final Approval Hearing in this case occurred on XXXX, 2022. I have repeatedy tried but have not been able to get an update on this matter. 
Below is the contact information for the Settlement Administrator : XXXX XXXX XXXX  v TD Bank , N.A . 
c/o XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Free XXXX ( XXXX ) XXXX Email : XXXX Kindly assist. 
Best, XXXX XXXX

Company response to consumer: Closed with explanation