vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
I have had numerous problems with this bank, M & T Bank, mostly with fees. Over the past few years I have had thousands charged to me in fees. Albeit a lot is due to overdraft charges due to financial struggle related to the pandemic, but I have had my statements changed around to depict me over drafting my account when it was actually M & T charging me account service charges. 

I have had deposits essentially go missing, in part or whole, and have never gained any assistance from the bank or even any concern over my well-being, though that is purely a customer service issue. 

Recently I deposited a $ XXXX check that was a 1 day clear check from a bank and customer Ive dealt with before so no issues of available funds from the issuer of the check. I was told the check would be available after the holiday and that the holiday delayed it, which I havent had issues with before, and then today I was told a four ( 4 ) day hold was placed on my account, although they are allowing other charges to go through and continue to overdraft my account which will cause me to have even more fees. 

I am convinced this is retaliatory, unfair and continues this trend of M & T causing their consumers to be charged fees, which in my research I have found this bank has had legal troubles in the past with this same issue. This action leaves me with no money, is inconsistent with hundreds of other deposits Ive had with this bank with no issue and is causing me even more financial hardship with the charges this will create. 

I believe this bank is acting, in the very least, unethical.

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 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited {$7000.00} in cash to an ATM at Bank of America in XXXX, NY on Friday XX/XX/XXXX. The machine timed out during the transaction and my cash deposit was never credited to my account. That is all the cash I had access to and this has caused a devastating hardship. I have called multiple times and all they tell me is that it could take 45 days to figure this out. NOT ACCEPTABLE. They have my money and there is no reason this can not be resolved quickly. Been a customer for 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: OH

Complaint narrative:
ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: EGL US, LLC
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2020 XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2020 XXXX XXXXBalance $ XXXXDate Opened : XX/XX/2020 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 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I received a letter stating that I owed XXXX XXXX a fee of {$65.00}. 
I called and spoke to XXXX to which I explained that XXXX did come to my house and determined that there was no cable running from street to house and that XXXX could not service my address. I told XXXX that I had a receipt showing all equipment was returned that same week. She said I still owed the money. I asked her how much time I had to resolve the issue before my credit was impacted and she claimed she did not know. I immediately called XXXX snd spoke with XXXX who said it was clear that an internal error had been made and he did a ticket ( XXXX ) to resolve the problem. I asked him to do a 3 way call to the debt collector but he said he could not. XXXX stated that it would take up to 5 business days to resolve. I am afraid that my credit will be damaged because of this mistake that I had nothing to do with. I did my part! Pls help, I am currently trying to buy a new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: TN

Complaint narrative:
Apond checking my credit report, I have notice that I have had several fraudulent accounts and inquiries on my report. I have reached out to the credit report agencies to fix this problem due to identity theft.

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 2021-10-13 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
In mid XXXX I contacted Wells Fargo regarding two accounts I had that were severely past due to set up a payment arrangement. We had sold our house and I informed Wells Fargo I would pay them in full and they promised me on the phone in mid XXXX that they would not send it to collections or sue me. I told them my house would close on XX/XX/XXXX so I would pay in full by the end of XXXX depending on when the check cleared. Sometime between XX/XX/XXXX and XX/XX/XXXX I was contacted by my sheriffs department that I was served a summons for these debts. I have already contacted that law firm and settled these debts.

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 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
To whom it may concern : I had a collection placed on my account that dropped my score over 40 points for a debt that I paid over a month ago and the collection agency was well aware. This debt was paid in full and a simple contact with the original creditor would have proved it as such. I paid the past due balance and returned the equipment. The collection account is for the amount billed for the returned equipment that XXXX XXXX XXXX guaranteed would be wiped clean if I returned the equipment which I did on XX/XX/21. I have attached the receipt. I was unable to get a receipt for the rest of the paid amount. 

I really believe this was and intentional and malicious attempt to harm my credit because my contacts with the original creditor for the past couple of weeks I have been told that I have a {$0.00} balance if I returned the equipment. A simple contact between the collection agency and the original creditor would have shown that this bill was paid. If this isn't intentional then it's obviously negligent and this business needs to be reprimanded. I've been working extremely hard to repair my credit now I have to spend time, and money on certified mailings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company is reporting that I owe them money to which I asked them on multiple occasions to validate the debt so I can take care of the issue. They have yet to send me any contract, or methods of validations to prove that this account is indeed mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This complaint involves XXXX XXXX Credit Card : On XX/XX/XXXX I made an online payment of {$130.00} to may credit card account ( I make payments on the XXXX of the month every month usually more than the minimum due without fail ) On XX/XX/XXXX I get an email notice saying my payment is late so I log back into the acct and do not see a payment made so I schedule another payment, On XX/XX/XXXX when I check there is a payment pending for {$130.00} from XX/XX/XXXX and one for {$130.00} on XX/XX/XXXX, called XXXX  XXXX to see if they could reverse a payment since they were both pending and was informed they could not and I would have to call my bank. 
Called my bank ( XXXX ) and because I have been a good customer for years they reversed the payment. 
2 Weeks later I get a notification that my online acct has been " temporarily suspended '' from XXXX  XXXX, I call and they said due to my " payment being returned for NSF '' my online acct was suspended but I could still make payments over the which I have done since. 
Yesterday I receive a credit alert that they have charged my account out to a collections agency because of the double payment they posted and they my bank reversed. 
I am scheduling an appointment with a lawyer and getting a letter from my bank stating the payment was reversed by the bank d/t an error that XXXX XXXXXXXX made in double posting the payment and not removing when I asked. The reversed payment had nothing to do with NSF as there were plenty of funds in my account. 
Also as a last not after the XX/XX/XXXX payments that were double posted I paid my XXXX and XXXX payments over the phone and on time. I have NEVER received any communication whatsoever that my account was being closed or charged off to a collection agency, and since my online access had been blocked and I was paying over the phone I had asked multiple times that I receive paper statements in the mail so I could monitor my account which I never received. I feel this is Fraudulent Business practices by XXXX XXXX Credit Card.

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 2021-10-13 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: Kashable LLC
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 
XXXX XXXX $ XXXX-Date Opened : XX/XX/2020 XXXX XXXX  $ XXXX-Date Opened : XX/XX/2020 XXXX XXXX $ XXXX-Date Opened : XX/XX/2020 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On Thursday evening I bought a mini bike from XXXX  XXXX  XXXX  XXXX  in XXXX, michigan. I applied for a credit card was approved for {$1000.00}. I denied the 24 month no interest deal. This deal was {$100.00} to pay 0 % interest for 24 months. I did not want that. I wanted the basic deal of 12 month 0 % interest. So I was charged right from the beginning a {$100.00} fee for my mysychrony account credit card. This is still showing on my balance. I returned to the store and told them I wanted to keep my utilization rate under 30 % so I make a {$760.00} payment. Now my credit score has dropped over 100 points because it is showing a double charge on my account.

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 2021-10-13 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on MACYS/DSNB. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: OH

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 I filed a complaint against Bank of America on the CFPB website about an account that I allegedly had with them that was reporting inaccurately on my credit report for all three credit bureaus. More than two months have passed and Bank Of America has failed to respond to my complaint or send a request to the credit bureaus to have the item deleted from my credit report and this is a Fair Credit violation. For example XXXX has on my credit report that the BANK OF AMERICA credit card went into a charge off status in XXXX, 2021 and this is false. XXXX and XXXX also have different charged off dates as well. I have never no knowledge of ever having an account going into a charged off status with Bank Of America. 
I was overseas in the military and when I came back and when I tried to apply for credit it denied stating that I had a charged off account with Bank Of America. I called the bank to question and disputed this. I then asked how this could be removed and the agent I spoke with told me what I had to do to get the item deleted off the account. I did that and then I called back two months later as the negative item was still been reported on my credit report. The lady that I spoke with said that she was not seeing that I owed the bank any money and that she was going to have the negative item removed from my credit report and up to this date nothing has been removed. 
I explained to the rep that I had lost my wife and a child to XXXX XXXX and it was a really traumatic time for me and my remaining members of my family and she sympathized with me. I told her that I was trying to get a comfortable place for my family but the charged off listed on my credit report by Bank Of America was preventing me from doing so. She told me that Bank Of America was a very caring bank and would do whatever possible to make my situation better during this troublesome time that I was and I am going through and she promised me that she would have the negative item removed from my credit report but to this day the negative item has not been removed from my credit report. 
So, those bank of America agents lied to me and that is quite sad. All I am asking is for Bank Of America to please send a request to the credit bureaus to delete Bank Of America from my credit report immediately please.

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 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XX/XX/2021, I requested from the company in question the method of validation used in claiming this debt belongs to me. They have yet to send me any information to which they claim.

Company response to consumer: Closed with explanation