vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My password did not work when I tried to access my checking account online. When I called the bank they gave me a run around and told me I need to visit the bank " in person '' and unless I did that they were not going to unlock my account. When I explained to them that this was not possible due to recent XXXX  XXXX they told me, in essence that wasn't their problem. Last XXXX when I was in the hospital getting XXXX XXXX XXXX XXXX ( I am XXXX ) they did the same thing and would not help me ( even though I was calling from the hospital ) until I filed a regulatory complaint. The resolution at that time was that they put me in touch with a bank employee who solved my problem ( XXXX XXXX - Customer Response Analyst ). At that time he wrote " If you have any additional concerns, please contact me directly at XXXX ''. When I called him this time ( before filing this complaint ) he never called me back. I know he still works there because his voice and name are still on his outgoing message. As an FYI I have had the same account for at least 30 years, it has about {$50000.00} in it and when I called them I answered all their verification questions correctly ( even though they deny this ). I gave them my name, my ss #, the account number, the last transaction, when and where the account was opened, my direct deposit that comes in every two weeks. Also. this time when I called the bank I was calling from the same phone number that has been on my account for 30+ years ( XXXX ) except for about four weeks when I was using an XXXX from the hospital last XXXX ( that phone number was different ). Also, I have called them 4 times to put the XXXX number back on my account and it appears they still have not done that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Resolution Corporation
State: MO

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KS

Complaint narrative:
Yes Jefferson capital system is saying that Ive owe them a debt from XXXX XXXX, Ive never heard or had any account with XXXX XXXX. I have received mail from Jefferson capital with someone else name its close to my name but its not me and I have submitted this to the credit bureaus trying to get this Collection removed from my report with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Every last dispute I put in with evidence was either not deleted or deleted and placed back into my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Every last dispute I put in with evidence was either not deleted or deleted and placed back into my report

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 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UMB FINANCIAL CORPORATION
State: CO

Complaint narrative:
Around XX/XX/2022, I called UMB Bank attempting to close my account. I was told the account closure process over the phone usually takes a few days to process and mail a check to my address. I was in no rush for the funds, which totaled somewhere around {$800.00} and {$1000.00}. Before my account was to be closed, I informed the phone representative of a new address not on file with UMB. 

Knowing our current mail system, I was informed 7-10 business days for receiving a check. 

Around XX/XX/2022, I've yet to receive the check, but I actually received my final statement showing my account was closed. It was addressed to my old address but was forwarded to my new address since I changed my address with the post office. Finding that odd, I called UMB asking where my check was mailed to since it would've made more sense to receive the check before the final statement. I was assured that despite my statement going to the old address, that the check was addressed correctly to my new. I was told to give it another week. 

A week later, still with no check, I called and was now told it went to the old address but was still not cashed. Was told to wait another week. 

Called again a week later, now being told it went to the new address. I was now told that since it was a cashier 's check, I have to wait 90 days before I could have the check reissued. Knowing my hands are tied, I confirmed the exact date I would be eligible and was told XX/XX/2022 which was more than 90 days from when I initially requested to close my account. Again, hands tied. 

Now, XX/XX/2022, I call and the representative I spoke with gave the impression it went to the old address. Regardless, it doesn't matter since it should now be eligible for reissue. I'm now getting the " runaround '' as they try to find this check. Again, it shouldn't matter at this point. I stressed that I would like to come to an office to pick up a check, in fear of this happening again. I was informed that since my account was closed over the phone, I only could receive a check via mail. I find this completely unacceptable and my request is 100 % reasonable because a cashier check is drawn off an institution account so whether I receive a check via mail or in-person should not matter at all. They have been holding my money for months with different representaives giving different answers all along this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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 — Card was charged for something you did not purchase with the card
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
My wallet and phone was stolen they took out a loan in my name also deposit a fraudulent a check in the account which closed and spent money on my upgrade card this all happened around XXXX XXXX XX/XX/2021 / upgrade card XXXX XXXX loan

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have asked for validation of these inquiries and audit trail for them and they have failed to do so. 

please remove these errenous credit inquiries from my credit report immediately!

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 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Hi there! 
Three unauthorized and unknown transactions-exactly same amount. 
I first contacted Cashapp about 2 months ago with a time of 30-45 to address. Since then repeated attempts with promises of problem escalation and other reminders to reimburse-nothing. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: AES/PHEAA
State: PA

Complaint narrative:
Earlier this week, I submitted a partial payment on my student loan with AES, which was late at the time, in the amount of {$60.00}. Their system pulled the full monthly total of my loan, {$390.00}, from my deposit checking account, which triggered a significant overdraft. As a result of the initial overdraft, three other pending transactions also overdrafted on my account, which will trigger additional fees.

I contacted AES today when I attempted to buy groceries and found my account was in overdraft status. They recommended that I follow up with my own bank, XXXX XXXX, and put a stop payment on the transaction. Unfortunately, the window for that request passed, so the funds went out. 

AES did not know why their system pulled the incorrect amount. They did acknowledge that I inputted the payment amount manually, but they offered little insight into how their payment system failed. 

AES may refund the money, but I am now with a negative balance until my next paycheck, which will now be that much less due to fees and the original overdraft amount. AES acknowledged that any refund could take weeks and would impact my account status. I requested that they file an internal complaint to track the matter in case this was impacting other borrowers. 

This is their system 's fault, I've been harmed financially, and I believe this complaint is justified under the circumstances. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: WY

Complaint narrative:
I found out on the app, not an email or phone call my account has been frozen because it had negative balance. The negative shouldnt of been there because Im supposed to have overdraft protection but thats for different time. I called the fraud department which never answers a call you have to leave message and wait for call back. So I did this 10 times, no call. Finally a customer service rep says tge freeze will be lifted as soon as account is current. No problem, my direct deposit hit, I am paid once a month so I have bills to pay. Freeze still not lifted, no call back, customer service reps have sent emails on my behalf saying account is current and nothing. This is amazing that a fraud department operates this way. Now its costing me to be late paying because some lazy XXXX wont call me back or just hit a XXXX button. Im absolutely furious right now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received correspondence from a Macy 's Account Executive by the name of XXXX XXXX, who informed me that my social security number, my license, and my mailing address had been submitted to Macy 's for an application, along with a signature, therefore they do not believe the account was opened fraudulently. I called him at the number listed in the letter, and left a voicemail stating that my ex would have easily had access to ALL of those items and more, given that we were together for years. He has not bothered to call me back. He also flat out lied, claiming that the Macy 's rep did not assure me that paying off my ex 's debt would be the path of least resistance to both getting the negative remark removed from my account, as well as closing the account in full ( neither of which happened ). That phone call DID happen, but Macy 's did not close the account. Macy 's opted to lie further about what was promised initially. And Macy 's refuses to listen to me when I tell them I did not sign anything, I did not authorize my ID being used to open this account, and I did not give my social. Again, my ex had access to all of this. In fact, my signature is even saved virtually on my computer in XXXX XXXX XXXX XXXX. Everything was in his reach. The address they provided belonged to my ex. I am in XXXX California, the address given is in Hawaii. I don't understand why they are refusing to acknowledge that I did not apply for this account myself. I want the negative remarks removed. And I want the account FINALLY CLOSED or have myself removed FROM it. I have a sneaking suspicion that they can't close it without my ex 's permission, which is indicative of the fact the he is the primary account holder or he needed to use my information to open the account because he would not have been approved on his own. I was not even aware that my information was being used until I received a credit alert. I don't check my credit report unless I am notified of issues, which I was.

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 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Since my last complaint to Bank of America and the CFPB my bank of america checking account does not work the same and I will be closing it soon. Today i was charged {$35.00} for an {$8.00} overdraft fee which the bank did not notify of or give me a chance to correct even though I added money to the account shortly after I noticed.

I had a similar issue a few months back and since then my account has not worked the same despite me being a customer for over 10 years. for example in the past i was notified and the bank would give me up to 24hrs to add money to me account.

When I spoke to the customer service rep she said there was a block on my account that is not allowing her to issue a credit for the {$35.00} fee I received for an {$8.00} charge despite the ceo saying back in XXXX they would no longer charge overdraft fees. and for my account to be singled out despite being a customer for over 10 years sounds like someone in bank of america 's customer service department is abusing their power.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Every last dispute I put in with evidence was either not deleted or deleted and placed back into my report

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 2022-04-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BoA XXXX Debit Card claim # XXXX There were many back to back to back fraudulent purchases made using my BoA XXXX Debit card from XX/XX/XXXX to XX/XX/XXXX. The fraudulent charges totalled {$2300.00}. They were approved despite no one knowing my name ( on the card ), my address, email address, phone number, PIN, card expiration date, XXXX digit security code. 

I've never used this BoA XXXX debit card which was kept in a locked closet in my bedroom! So no1 could've known any of the details needed to approve on line charges! 

I was not notified of those fraudulent charges, even though " Notify via email of suspicious charges '' alert was set. No email, no phone call, no US mail. BoA says they did not have my phone number but it was on 2 other accounts I have with the bank. When a BoA fraud specialist called to activate the new card she asked me for the last 6 numbers of my other BoA debit card which is proof they could've found my phone number from that account. 

When I learned of that via BoA automated phone call, I filed a complaint same day-on on XX/XX/XXXX which went to BoA Executive Escalations. 

Today, I received 2 letters in the US mail dated XX/XX/XXXX and XX/XX/XXXX4 stating my claim had been REJECTED/DENIED because the fraudulent charges were made > 365 days from the date of my claim. NOT TRUE! The charges were made 4 and 5 months before I filed my complaint- NOT more than 365 days before! 

Each time I call or email BoA XXXX Debit Card services I ask for further escalation and phone call from their Fraud Executive, but nothing happens. Worse is the letter dated XX/XX/XXXX which states : " We've completed an additional review of your case and concluded that our original decision was correct. '' That added insult to injury!

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank NA closed my Sears credit card for inactivity when in fact there are no XXXX XXXX or XXXX stores. I do not shop on line as I am a former IRS employee whose background information was stolen from the federal records database in XXXX of XXXX. 

Citibank NA reported the closure of my oldest credit card ( XXXX XXXX initiated in XXXX ). The closure will undoubtedly affect my credit bureau scores. 

I am requesting assistance in this matter as it has a negative material effect on my financial status. Citibank NA refuses to offer me any recourse.

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 2022-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation