vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This is regarding TD Bank, Routing number is XXXX and my account number is XXXX. 
I made the deposit with the branch manager verifying the check. The account was open with the bank manager present and not only has TD Bank fraud department put a hold on the check, they just returned the check and said I am short {$14000.00} in the account. I just put {$16000.00} into the account to cover the 1 day hold, but I do not keep this type of money in my savings. Below is the new reason why the check is no good and now they are freezing the account of the maker of the check. 
Read below : The issue is the handwriting of your name doesn't match the rest of the check, so our back office team says the check was altered. It triggered the check being returned and XXXX account being frozen because of it. I'm on hold trying to work with them on a resolution as I type this. 

The branch manager saw the check being written, the branch manager was there when the funds were deposited, In the name of XXXX, I have done everything that I can to do this correctly. TD Bank is just digging in their heels and trying to cover there mistake with different reasons and lies. Why can they just say, my mistake and fix the problem instead of messing with people 's lives and businesses!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-08-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed I have unauthorized inquiries on my credit reports Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: IN

Complaint narrative:
The Credit Bureaus are under State and Federal law to respond to the consumer about disputed submissions in 30 days. As a consumer, I have the right to protect my reputation and my personal information. My disputes have been ignored. It has been 78 days since XX/XX/2023, that none of the disputed items have not been removed from my credit file.

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 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/, IT WAS BROUGHT TO XXXX XXXX XXXX ATTENTION, THAT HIS CAPITAL ONE 360 BANK ACCOUNT WOULD BE RESTRICTED, AND HE WOULD UNABLE TO WITHDRAW CASH FROM ACCOUNT. AS STATED IN A EMAIL AND ONLINE ACCESS TO MY ACCOUNT : YOUR FUNDS ARE CURRENTLY NOT AVAILABLE FOR WITHDRAWAL. PLEASE CONTACT US AT XXXX. 
ON XX/XX/ HE DEPOSITED XXXX CHECKS : XXXX CHECK FOR {$60.00}. WHICH WOULD BE FULLY AVAILABLE MONDAY XX/XX/2023 
XXXX CHECK FOR {$850.00}. WHICH WOULD BE FULLY AVAILABLE MONDAY XX/XX/2023 
BOTH CHECKS HAVE CLEARED THE BANK THAT THEY ARE DRAWN UPON. AS OF TO DATE MY ACCOUNT HAS A BALANCE OF {$910.00}. 
XXXX XXXX XXXX ATTEMPTED TO CONTACT PHONE NUMBER XXXX, AND LEFT A VOICE MESSAGE TO THAT ASSOCIATED NUMBER GIVEN TO HIM ON HIS ACCOUNT INTERNET WEBPAGE. XXXX XXXX LEFT A TOTAL OF XXXX VOICE MESSAGES FROM THE DATES OF XX/XX/2023 TO XX/XX/2023. UNFORTUNATELY NO REPRESENTATIVE OF CAPITAL ONE BANK ACCOUNT HAS RESPONDED TO HIS VOICE MESSAGES. XXXX XXXX ALSO HAS EMAIL SEVERAL EMAIL ACCOUNTS WITH CAPITALONE.COM ADDRESS TO IT. THERE HAS BEEN NO EMAILS ADDRESSING THE SITUATION OF XXXX XXXX RESTRICTED CAPITAL ONE BANK ACCOUNT. 
SINCE XX/XX/ TOXX/XX/2023. XXXX XXXX XXXX HAS NOT BEEN ABLE TO ACCESS HIS FUNDS THAT ARE CLEARED AND RIGHTFULLY HIS MONEY TO WITHDRAW AT HIS DISPENSE. 
CAPITAL ONE 360 BANK ACCOUNT HAS BEEN RESTRICTED. UNDER THE NEVADA REVISED STATUTES THE HOLDING OF CASH IN A DEPOSITED ACCOUNT THAT THE CHECK HAS CLEARED. THE FUNDS TO BE AVAILABLE PER DATED THAT IS FULLY DEPOSITED. CAPITAL ONE 360 BANK HAS VIOLATED THAT LAW. BOTH STATE AND FEDERAL LAW. 
UNDER THE : Comptroller of the Currency XXXX of National Banks Does the bank refrain from delaying funds avaiility beyond a reasonable time period? [ 12 CFR 229.13 ( h ) ] NOTE : An extension of up to five days for local checks and six days for nonlocal checks is considered reasonable. 
I HAVE TRIED MY BEST TO COMMUNICATE WITH CAPITAL ONE BANK 360 CHECKING ACCOUNT. I HAVE LEFT SEVERAL MESSAGES AND VOICEMAIL AND FAX 'S TO CAPITAL ONE BANK AND GET NO RESPONSE BACK FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: MI

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.

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 2023-08-11 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: MI

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/, I walked in to my financial institution BANK OF AMERICA to withdrawal my available funds to pay my monthly rent and monthly utility bills. Unfortunately, to my surprise the bank teller told my checking is closed and are unable to withdrawal my available funds at this time and wrote down a phone number for me to call to receive further information. I then call and came to find out the risk department closed my checking because of a check that was deposited into my checking account that I did not deposit. And let the representative know that on XX/XX/ my car was broken into, my purse, wallet, bank ATM card was taken n stolen from stolen me. I went on to say, I guarantee you won't see my face depositing that check. I do need access to receive my available funds. The representative then told me my available funds will be put in a check and will be issued out to meXX/XX/2023XXXX I then said What? Wait a minute, that's my source of living, my social security benefit payment, my federal income tax refund funds is what I have to live off for the month. So my rent, my utility bills, are going to be unpaid. N more than likely be given a late charge and be put at risk of being evicted because my rent is every XXXX of the month. How am I suppose to eat. The representative very rudely said I'm sorry I don't know what else to tell you. And hung up on me. How unfair is that.

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 2023-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
* I traded my leased a Nissan XXXX XXXX XXXX ( VIN XXXX, Leased from NISSAN-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX dealership XXXX XX/XX/2023. 
* XXXX XXXX of XXXX cut a check to NISSAN-XXXX  XXXX  XXXX XX/XX/2023 which was cleared on XX/XX/2023 * NISSAN-IXXXX XXXX refused the payment to pay-off this lease unit XXXX and they cut a new check on XX/XX/2023back to XXXX XXXX. 
* NISSAN-XXXX  XXXX  reported to created bureaus as nonpayment on my part. 
* My credit score was decreased by XXXX points. 
* To resolve I paid off the vehicle out of my pocket. 
* XXXX XXXX has informed me that they will reimburse me, but no XXXX shared yet. 
* Now my account with NISSAN is settled but they are not reporting it back to created bureaus to restore my score.

* Talked to NISSAN customer support at XXXX. They do not report the settlement to credit bureaus. 
* I am in middle of a home loan application which has a deadline of XX/XX/2023. 
* If my credit report is not corrected before that date, I will lose the house. 
* I have opened dispute with credit bureaus, but there processing time is beyond deadline for home application closing. 
* Attaching letters from XXXX XXXX and Nissan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
When I was called to XXXX XXXX XXXX, Synchrony Finance failed to put three of my credit accounts in Service Member Civil Relief Act ( SCRA ) status. After multiple failed attempts to get Synchrony Finance to put my accounts in SCRA status so that I could pay them off in accordance with SCRA capped interest rate provisions, Synchrony Finance charged-off my account in XXXX. I filed a complaint with the CFPB within 120 days of my discharge from XXXX XXXX in XXXX Synchrony Finance then retroactively placed all three of my credit accounts in SCRA status and refunded two checks to me. Synchrony Finance, on the other hand, refused to accept responsibility for their role in charging off my account with the correct amount and balance owed, which had a negative impact on my credit report. Synchrony Finance 's response failed to acknowledge that under SCRA, a lender can not revoke my loan or credit account, change the terms of my credit, or refuse to grant me credit simply because I exercised my SCRA rights. Furthermore, a lender can not provide negative information to a credit reporting company simply because I exercised my SCRA rights. The SCRA required Synchrony to reduce my interest rate so that I could repay my remaining debts without it negatively impacting my credit file. While I understand the importance of repaying debt, I did not feel obligated to pay accounts where the lender refused to comply with SCRA ( capping the interest rate ; resulting in incorrect balance and debt owed ). They only agreed to retroactively cap the interest rate and adjust fees after I hired an attorney to send a letter and filed an official CFPB complaint.

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 2023-08-11 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: NE

Complaint narrative:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-08-11 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: William D. Meeker Enterprises, Inc.
State: IL

Complaint narrative:
I have unauthorized inquiries in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I have unauthorized inquiries in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I applied for a personal loan of {$9000.00} at 28.90 % APR by Prosper. I was instructed to submit a utility bill. I then submitted a internet bill which was mistakenly in XXXX instead of XXXX. My documents were denied and my account was closed sent to me by an automatic no-reply email with no explanation. I was not once called or emailed by a real human to explain to me why this happened. On XX/XX/2023 I called Prosper and was told I would be able to resubmit the internet bill and have my account reinstated. Throughout this time, I had kept calling and different agents kept telling me that there was nothing they could do and they had no idea who would be able to help me with this. Finally, an agent told me if I reapplied I would be able to approve a new loan. So I did exactly that but the Prosper website wouldn't let me accept the loan because I already had an account under a different email address. Early this week I called and the agent helping me told me they would email me with next steps on what to do. I have received nothing. Prosper is not allowing me to resubmit documents nor are they allowing me to submit a new loan request under the same hard inquiry on my report. At this point, I keep receiving automated emails about my new loan request that has been approved but I am not able to accept it because of my older account that was closed.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax and XXXX is reporting inaccurate information on my credit report. I call the court and they told me they dont report Bankruptcy to the credit bureaus. All 3 bureaus is reporting fraud on my credit report and i would like these to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX and Experian is reporting inaccurate information on my credit report. I call the court and they told me they dont report Bankruptcy to the credit bureaus. All 3 bureaus is reporting fraud on my credit report and i would like these to be removed ASAP.

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 2023-08-11 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: GA

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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX 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 an 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 2023-08-11 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: GA

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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX 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 an 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 explanation