vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
During XX/XX/XXXX joint checking accounts held by my ( late ) Father and me were compromised by a home healthcare worker. She fraudulently gained access to the accounts and obtained a debit card while my Father was dependent and suffering from XXXX. XXXX  debit card transactions were executed in 20 months valued at {$57.00}, XXXX. No receipts have ever been produced for this activity. In addition, the homecare worker forged my Fathers name to at least 48 checks identified as forged by a nationally recognized handwriting expert. 

An account valued at {$270000.00} was overdrawn in 15 months due to debit card conversion and forged checks. Statement delivery to the account owners during this period was prevented by mail interception and password changes to online access. Further, the conservator refused to turn over the bank statements preventing discovery. Fraudulent activity was discovered after statements were subpoenaed in XX/XX/XXXX.  Bank was notified in XX/XX/XXXXand has thus far refused to acknowledge any role in enabling the forgery and fraudulent debit card activity. 

TD Bank is responsible for granting access to the account to a person with a history of writing bad checks off TD Bank without proper legal documentation. They failed to identify obvious check forgery and failed to notify the account holder when the velocity and amount of transactions exploded. The fraudulent activity was reported soon after it was discovered yet TD Bank has refused to acknowledge their responsibility sighting OCC rules regarding reporting forgery and debit card fraud. Contemporaneous reporting was impossible because of the suppression of the statements by the guilty. Further, the primary account holder was elderly, lived in a dependent state and suffered from XXXX making it impossible to review and report the activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After review of my billing I noticed I am being charge two ( 2 ) different interest rate on one balance. One for Interest charge on purchase and one for " Protected Balance '' which I was told was a balance due from last year. This is two different interest rate on the same account with one balance. How can a store credit card be allowed to charge two interest rates on one balance. I don't believe this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
This company continues to call my workplace and people in my social network, including but not limited to, another XXXX  in my town and my neighbors. Using harrassing tactics and ruining my reputation. If they really want to see any loan repayment they are sabotaging my ability to do it. 

They have called me twice at work per day and many times on my cell phone since Monday. Interfering with my ability to work. 

Today at XXXX XXXX they left a voicemail message with a XXXX  who is clearly not even related to me. I have a screenshot of said message if necessary. Several months ago they contacted my neighbors and XXXX friends.

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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent a dispute letter to Experian dated XX/XX/19, regarding 4 items reporting on my credit file. They received this on XX/XX/19 according to tracking confirmation. 

This letter, attached below, stated that I wanted documentation that they had on file as of XX/XX/19, that was used to verify the accuracy of these accounts since I am reporting them as inaccurate. I stated under the FCRA 15 USC 1681, I have the right to demand that they disclose these documents to me. I specially asked that they not respond with a letter stating they have been verified, but to send me documentation as mentioned above. 

I stated that if they were unable to provide me with docs to verify accuracy of these account, to delete them immediately, as required under section 611 ( a ) ( 5 ) ( A ) ( i ). 

I received a letter from Experian on XX/XX/19, with results, showing that all of the accounts will remain and/or have been updated, however, I received NO DOCUMENTATION as I requested to verify the accuracy of any of these accounts. 

I listed 4 accounts in this dispute and only received information back about 2 of the accounts. I have attached a copy of the letter I sent to Experian, and the letter they sent to me, received on XX/XX/19. 

Thank you

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 2019-07-11 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: CA

Complaint narrative:
The following accounts belong to someone else and they were fraudulently put on my credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1900.00} 2. XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1000.00} Both accounts are not mine and I have disputed them with each Credit Reporting Agency ( Transunion, XXXX, and XXXX  ), and also with XXXX XXXX XXXX. The accounts were fraudulently blamed on me, but belonged to someone else that rented that apartment prior to me living in it. I complained to both the XXXX XXXX company and also the Texas Consumer Commission regarding my concerns about an apartment that had been damaged and rented to me in duress. After I moved out the apartment was left in a better condition than what I rented it. I have provided attachments to support my claim against both the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, and I am requesting that both accounts be removed from my credit reports at all Credit Bureau Agencies and Credit Reporting Agencies due to my Consumer Rights and Fair Credit Reporting Rights.

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 2019-07-11 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: CA

Complaint narrative:
The following accounts belong to someone else and they were fraudulently put on my credit report : 1.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1900.00} 2.  XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1000.00} Both accounts are not mine and I have disputed them with each Credit Reporting Agency ( XXXX, Experian, and XXXX ), and also with XXXX XXXX XXXX. The accounts were fraudulently blamed on me, but belonged to someone else that rented that apartment prior to me living in it. I complained to both the XXXX XXXX company and also the Texas Consumer Commission regarding my concerns about an apartment that had been damaged and rented to me in duress. After I moved out the apartment was left in a better condition than what I rented it. I have provided attachments to support my claim against both the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, and I am requesting that both accounts be removed from my credit reports at all Credit Bureau Agencies and Credit Reporting Agencies due to my Consumer Rights and Fair Credit Reporting Rights.

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 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I received a letter from Convergent stating I owe XXXX {$300.00} from six years ago and that XXXX told them they satisfy the balance by 65 % to {$16.00}. This account had been closed over 6 years ago and equipment was returned to XXXX. I never received another bill. I opened an account with XXXX for internet service. My previous service was cable. I am attaching a letter sent from me to Convergent. I have my received a response. I have been receiving several telephone calls from this Company from several different cities.

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 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: AL

Complaint narrative:
Disputed a collection I was unaware of. Dispute never processed or investigated, but shortly thereafter started receiving threatening letters regarding debt owed that I was never made aware of. Requested verification of debt several times via mail and fax, and only received a copy of a judgement that was filed in XX/XX/XXXX that again I was never aware of. Never received notice of lawsuit filed, never received notice of right to dispute, never received itemized or detailed information about what the balance pertained to. Never received eviction notice, was never contacted nor followed up with. After several attempts to validate debt and dispute collection, have sought legal representation to pursue action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive disputed these items as errors and they all came back as valid or not enough information submitted. Specifically XXXX XXXX # XXXX is charged off and is on my credit report. XXXX XXXX # XXXX is the collection company it was sold too and they as well are reporting the same account on my credit report, against federal laws. XXXX XXXX XXXX are garnishing my wages for this same XXXX XXXX account, but no updates of payments are reflective on my credit report. Also XXXX XXXX XXXX # XXXX ( charge off ) and XXXX XXXX XXXX ( collection agency ) are reporting the same account on my credit report too. Account # for XXXX XXXX XXXX are all different from n my reports but same account : XXXX # XXXX, XXXX # XXXX and Transunion # is XXXX but all are the same account being reported..

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 2019-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: AZ

Complaint narrative:
On XX/XX/17 Lendmark Financial Services LLC approved me for a title loan in the amount of {$7100.00}. The account number is XXXX or XXXX. I gave them the actual paper title to my vehicle. They did not receive any consumer goods from me. The promissary note that was provided to me corroborates this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have applied for a debt consolidation loan to pay off all of my debt vice my home and two cars. The denied stating non-factual reasons. Amongst them are pay my bills late and serious delinquencies when I explained this was the fault of XXXX XXXX and not me and stating the primary reasoning having something to do with my account which is bull. Ive been a member with them 17 years, had several loans with them and never missed a payment. I think I am being biased against because I have XXXX and a XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: MN

Complaint narrative:
XXXX XXXX has improperly reported a delinquent payment on my credit report. I contacted them about a series of late fees and XXXX XXXX admitted that it was an internal error and all late fees were removed. Nonetheless, XXXX XXXX has failed to take corrective action on my credit report, which now inaccurately reports their own internal billing error as a negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/19 I tried to make a dispute with Equifax and it keeps saying to call and confirm identity basically. I called yesterday and did that it has been 24 hours and still can not make a dispute and its preventing me from correcting my credit report. Been trying for over 2 weeks to access this and I get same message even after calling in and successfully giving my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have an collection reporting from XXXX XXXX I have on numerous occasions mailed documents to XXXX XXXX  requesting documentation to what this may have been. They have no once responded to my request. I don't believe an investigation has been done in this matter.

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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive disputed these items as errors and they all came back as valid or not enough information submitted. Specifically XXXX/XXXX XXXX # XXXX is charged off and is on my credit report. XXXX XXXX # XXXX is the collection company it was sold too and they as well are reporting the same account on my credit report, against federal laws. XXXX XXXX XXXX are garnishing my wages for this same care credit account, but no updates of payments are reflective on my credit report. Also XXXX XXXX/ XXXX # XXXX ( charge off ) and XXXX XXXX XXXX ( collection agency ) are reporting the same account on my credit report too. Account # for XXXX XXXX XXXX are all different from n my reports but same account : Equifax # XXXX, XXXX # XXXX and XXXX # is 2003 but all are the same account being reported..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive disputed these items as errors and they all came back as valid or not enough information submitted. Specifically XXXX XXXX # XXXX is charged off and is on my credit report. XXXX XXXX # XXXX is the collection company it was sold too and they as well are reporting the same account on my credit report, against federal laws. XXXX XXXX XXXX are garnishing my wages for this same care credit account, but no updates of payments are reflective on my credit report. Also XXXX XXXX/ XXXX # XXXX ( charge off ) and XXXX XXXX XXXX ( collection agency ) are reporting the same account on my credit report too. Account # for XXXX XXXX XXXX are all different from n my reports but same account : XXXX # XXXX, Experian # XXXX and XXXX # is 2003 but all are the same account being reported..

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 2019-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX has improperly reported a delinquent payment on my credit report. I contacted them about a series of late fees and XXXX XXXX admitted that it was an internal error and all late fees were removed. Nonetheless, XXXX XXXX   has failed to take corrective action on my credit report, which now inaccurately reports their own internal billing error as a negative information.

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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an collection reporting from associated credit I have on numerous occasions mailed documents to associated credit requesting documentation to what this may have been. They have no once responded to my request. I don't believe an investigation has been done in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My business account has been forcefully closed by Bank of America because they assumed I was misusing my account as a fraud. I am a business owner, and I am having an issue to pay off the IRS tax, rent and employee paychecks, so I lend money from private companies. Also, I had my husband, who is living in XXXX, send me money for my child 's college tuition around the same time. The bank gave me a call two days ago, and just told me they will close my account due to fraud. I tried many times to explain where the money deposits are coming from, but they are not interested to hear about it. By this incident, I am having more financial issues since I can not withdraw nor use my bank account. Multiple checks I used to pay my rent and other expenses are now bounced, and I am responsible for paying all the fees, and my employees can not deposit their paychecks. I already lost two of my employees because of this incident. The bank said they will give me a check for the balance, but it will take longer than what I hoped. I need to pay for all the scheduled payments, nor I will ( and already have ) have many problems financially and legally. I want to prove that my account is not involved in any fraud, and not be responsible for the bounced checks and late payments that were caused by this incident. Please help.

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 monetary relief
Consumer complaint received 2019-07-11 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: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
On XX/XX/2019, I notice a inquiry on my credit Report : XXXX/XXXX/ XXXX dated for XX/XX/2019, I then contacted the company listed on my report via Phone and certified mailed letter sent to their address asking why is a inquiry on my credit file and XXXX XXXX , response to both means of contact was the same reply! 

They were not able to provide the reason for the inquiry nor who Authorized this inquiry, they said I would have to contact the original lender known as SunTrust Bank to gather information. 

I immediately called Suuntrust Bank for a explanation why this company ran my credit if I never applied for a loan or signed any contract for a loan or sign a application for funds/ Insurance etc. 

They were not able to provide any significant documentation to display my signature or myself Authorizing this company to check my credit report Electronically, or with a signed document with my signature.

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