vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I am getting alerts from the bank app telling me my account balance is {$400.00} when it is {$29.00} this has been happening for years and I feel it's BOA 's way of trying to get customers to overdraw their accounts.

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 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX I depostied a balance transfer check payable to XXXX XXXX from my XXXX XXXX credit card account for {$4000.00}. I deposited this check into my TD checking account. 
XXXX XXXX  sent me a text verification that the check was written by me. I confirmed yes that I wrote and deposited this check.

TD bank held the funds for 3-5 business for fraud review. After this review TD bank had sent me a letter stating they would be closing my checking account due to a fraudlent check and that any funds in the account would be returned via check in the mail. No funds were returned and the account was closed.

I reached out to TD bank asking when the {$4000.00} would be returned and was told that the funds were never received and XXXX XXXX  has the funds. 
I reached out to XXXX XXXX  who claims that the funds were received and are in posession of TD bank. The check has been posted to my XXXX credit card account and being charged to my statement. 
I reached out to XXXX XXXX  fraud services who investiagted the claim and communicated with TD and confirmed that TD has received the funds but are unwilling to return the funds suspecting fraud. 
TD checking account is closed and funds have not been returned. 
XXXX XXXX  confirmed the funds have been received and are in TD bank posession.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On or about XX/XX/year> I noticed 10 charges of {$710.00} and one charge of {$500.00} amounting to a balance of {$7600.00} on my Apple Card/Goldman Sachs US Bank Inc. card . I contacted apple card right away to let them know that it seemed like my Iphone had been hacked and all these charges were on my account. I placed a dispute with them. Since that day they have not been able to resolve the fraud issue. They keep putting the charges back into the card expecting me to pay. I keep disputing the charges. I had another credit card on the wallet app that was also hacked and right away they took care of it. I had to change my passwords on my apple card and Iphone. I asked Goldman Sachs where those charges came from and they mentioned that the merchant was from a game website. I informed them that I'm XXXX XXXX XXXX and do not play games on my phone or any other device. I've spoken to them several times to please resolve this issue and they have not helped me at all. Every 3 months they will add the charges back to the account without notice and I have to keep calling back to file a dispute. I spoke to them today XXXX and still they will not resolve the issue. This is very frustrating that they are not helping me the consumer. Thank you for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I purchased Candy outside a store from a teenager who claimed he was fundraising for his church. I purchased the candy for {$3.00} which was shown on the XXXX XXXX receipt provided to Chase on my claim. XXXX days later the original {$3.00} charge was posted as {$200.00} on my bank account. I filed a claim with Chase and it got denied due to merchant saying customer authorized transaction which i absolutely never authorized a {$200.00} tip. The initial receipt even shows a {$3.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request validation of the debt you claim I owe, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). The account in question is XXXX, which you reported as a charge-off. 

Account name : XXXX XXXX XXXX Please provide the following information : The original creditor 's name and address.

The amount of the debt, including any interest or fees.

Documentation that verifies I owe this debt, including any agreements or contracts.

Any other relevant information that proves this debt is valid.

Until I receive this information, I request that you cease all collection activities related to this account.

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I am writing to formally submit a complaint against freedom mortgage for the following reasons : 1. Freedom mortgage has an accurately reported a foreclosure on my home which is a fraudulent foreclosure due to a defecation or a separation of my promissory note and title both are supposed to be held at the county clerk 's office in XXXX XXXX and there is no promissory note attached to the title so this makes it a separation which is illegal and is fraudulent and makes the mortgage know and void.

2. I also want to report a breach of contract with freedom mortgage in regards to my security deed I attempted to resend my security deed because I never gave freedom mortgage consent or consent to my securities interest so this is also security fraud I attempted several times to resend my security deed contract again I never gave freedom mortgage consent or provided a gift of convenience to my security interest.

3. Freedom mortgage Bank has reported inaccurate information regarding my account to the XXXX credit reporting agencies. This misinformation has adversely affected my credit score and financial standing.

4.misuse of Federal reserve loans I'm concerned that freedom mortgage may be abusing loans obtained from the federal reserve XXXX It appears that these funds are not being utilized in a manner consistent with the ethical banking practices, particularly in relationship to my account.

5. I also want to report abusive insurance policy ; the bank charged me while collecting on the insurance policy that was supposed to ensure my account this practice appears to be abuse of insurance coverage and has resulted in additional financial burden on my part.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to formally dispute multiple fraudulent accounts and inquiries on my credit report resulting from identity theft. I am requesting that you block and delete these accounts and inquiries as permitted under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Below is a list of the fraudulent accounts and inquiries that I am disputing : XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} XXXXXXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX XXXXM XXXX - Account Number : XXXX XXXX Opened : XX/XX/XXXX - Balance : {$180.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$5700.00} XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$2600.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$7000.00} XXXX XXXXXXXX XXXXXXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2300.00} XXXX. XXXXXXXX XXXX  - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$3700.00} XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2800.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1900.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX. XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Fraudulent Inquiry : XXXX XXXX - Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to formally dispute multiple fraudulent accounts and inquiries on my credit report resulting from identity theft. I am requesting that you block and delete these accounts and inquiries as permitted under XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). Below is a list of the fraudulent accounts and inquiries that I am disputing : XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX. XXXX XXXX - Account Number : XXXX XXXX Opened : XX/XX/XXXX - Balance : {$180.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$5700.00} XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$2600.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$7000.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2300.00} XXXX. XXXXXXXX XXXX  - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$3700.00} XXXX. XXXX XXXX XXXX XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2800.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1900.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} XXXXXXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Fraudulent Inquiry : XXXX XXXX - Date of Inquiry : XX/XX/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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My XXXX XXXX account shows a XXXX balance on a XXXX XXXX as of 28 days ago. I have not used this card in years, may not have used it at all. I tried to view transaction/balance on XXXX  website and was unable to log on. I called XXXX and they were unable to locate anything under my name or card number. I can not even view card or info on my XXXX XXXX app. What do I need to do next.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Your continued reporting of fraudulent information on my consumer report, despite my previous disputes, constitutes a violation of consumer protection laws. These unauthorized items resulted from identity theft and were never approved by me.

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
In XXXX of XXXX, a call was made to the credit card company, and I was told I could not do anything with the account until I submitted all my personal information and photo ID. 
By this time, I had received several notices of security breaches from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX and received weekly e-mail XXXX threats, which were basically trying to extort XXXX funds. In fear of my safety, I made a police report on XX/XX/XXXX in Indiana. So now I can't move forward until all accounts are verified and validated. On XX/XX/XXXX, I was denied credit from XXXX even after I complied with all identity verification. XXXX refused to give me a written or verbal reason why I was denied. Carecredit representative actually hung up on me. A freeze has been put on all consumer centers. This situation has harmed me financially and caused emotional stress. Since XXXX, all of this has negatively affected my home purchase, paying credit cards, and health care maintainace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am reaching out with an urgent plea for assistance regarding a grave issue that has severely impacted XXXX XXXX and our business account. On XX/XX/year>, our account was compromised by online fraud, resulting in five transactions totaling nearly {$500000.00}. Despite our immediate action to report this incident to Regions Bank, we have encountered significant barriers in resolving the matter. 

That same night, we contacted Regions Bank, but they were unable to provide any assistance, citing our lack of access to the account. The next morning, we sought help from the Vice President and Branch Managers at our local branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They directed us to XXXX XXXX, the Regional Security Manager, who facilitated a hold harmless agreement for the transactions in question. 

Despite these efforts, we have struggled to obtain clear information or escalate the matter effectively. We took the initiative to have the affected funds frozen at XXXX XXXX XXXX, who confirmed the freeze but informed us that Regions Bank must submit a formal claim to recover the funds. 

To date, we have been unable to receive satisfactory responses or escalate the issue beyond basic customer service channels. Our case number with Regions is XXXX, and the claim number is XXXX. 

As long-time customers of Regions Bank , we are deeply disheartened by the lack of communication and support we have received. We urgently need clarity on the actions Regions Bank is taking to secure our funds and resolve this issue. 

We are requesting your immediate intervention to expedite the recovery process and provide us with a comprehensive update on the status of our claim. Your involvement is crucial as we are facing a significant financial loss of nearly {$500000.00} and have been unable to secure the necessary assistance elsewhere. 

Attached are all supporting documents related to this case. 

Thank you for your urgent attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently discovered a bank account and balance associated with XXXX that do not belong to me. This is a case of fraud and identity theft. I have received numerous letters from XXXX advising the removal of this account. 

Additionally, the XXXX XXXX account and balance also do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2024-10-28 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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