vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 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: NJ

Complaint narrative:
There are a few accounts on my repost I do not recognize

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 2021-10-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are a few accounts on my repost I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am applying for homes and Appt and fraud is on my account. I have never committed fraud and unsatisfactory credit is n my account. I have not gotten anything on my credit IIm 10 years why are things still lingering on my credit from ten years go

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 2021-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I contacted The XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) regarding late payments inaccurately shown on my report from XXXX & XXXX of XXXX. I spoke with a rep named XXXX to advise that based on The CARES Act the payments during Covid should not have been reported as late. I was assured that the information was being sent to the necessary department to have the information updated. I was also promised an email confirming the same. As of today, XX/XX/XXXX, I have not received any email with that information and the payments still incorrectly show as being late on my credit reports. I contacted the company again and was transferred twice to an automated system about requesting a security freeze or my credit report ( which is not what I am requesting ).

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 2021-10-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I contacted The XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) regarding late payments inaccurately shown on my report from XXXX & XXXX of XXXX. I spoke with a rep named XXXX to advise that based on The CARES Act the payments during Covid should not have been reported as late. I was assured that the information was being sent to the necessary department to have the information updated. I was also promised an email confirming the same. As of today, XX/XX/XXXX, I have not received any email with that information and the payments still incorrectly show as being late on my credit reports. I contacted the company again and was transferred twice to an automated system about requesting a security freeze or my credit report ( which is not what I am requesting ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: NJ

Complaint narrative:
On XX/XX/XXXX I contacted The XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) regarding late payments inaccurately shown on my report from XXXX & XXXX of XXXX. I spoke with a rep named XXXX to advise that based on The CARES Act the payments during Covid should not have been reported as late. I was assured that the information was being sent to the necessary department to have the information updated. I was also promised an email confirming the same. As of today, XX/XX/XXXX, I have not received any email with that information and the payments still incorrectly show as being late on my credit reports. I contacted the company again and was transferred twice to an automated system about requesting a security freeze or my credit report ( which is not what I am requesting ).

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 2021-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Hi On XX/XX/2021. I faxed HSBC for a Lien Release on 2 of my vehicles. Which I have attached the titles of. I still have not received and email or call about these vehicles. I then again sent a fax a few days later. Still nothing. I then called a local branch of HSBC. And was told that was the correct way to request a lien release or to email XXXX. So I did that. Still nothing. I am in the processes of selling our business and need these lien releases yesterday!!! Please Help! 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Wells Fargo ( XXXX ) To : you ( Bcc ) + 1 more Details Wells Fargo logo Validate your email address now Your Email verification is required to continue using the service, validate your email to avoid loosing your account service. Wells Fargo Online. You have 1 day ( s ) to validate your email address or your online account access will be canceled.

How to update your email address : Simply sign on to your account at www.wellsfargo.com/security & support/contact-information/ and follow the instructions to enter your 6 digit validation code. Entering the code below will validate this email address. 

Validation Code : XXXX If you have any questions, we're available at XXXX, 24 hours a day, 7 days a week. 

wellsfargo.com | Security Center Please do not reply to this automated email. Sign on to send a secure email. 
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 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received a {$20.00} maintenance fee on my checking account this month which violates Truist 's banking policy. Every month I receive more than {$3000.00} IN DIRECT DEPOSIT from the VA. I am a XXXX XXXX XXXX veteran. I have been getting this deposit for years. Truist customer service claims I did not get the VA money on XX/XX/XXXX which I clearly did because it is on my statement. The money was clearly deposited by the US government on XX/XX/XXXX. They lied and refused to return my money. This bank steals money from veterans and their call center is not in the US. You will get no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
As described in multiple phone calls and a detailed letter to TD Bank, someone who had stolen my credit card information purchased a laptop computer from XXXX XXXX, charging {$950.00} to my credit card with TD Bank. When I received an email from XXXX XXXX on XX/XX/2021, that the laptop was ready to be picked up, I immediately called TD Bank and notified them of the fraudulent charge. They canceled the credit card number and sent me a new one. I asked them whether I needed to call XXXX XXXX, and I was told that TD Bank would take care of that. In a letter dated XX/XX/2021, which I received by regular mail several days later ( I XXXX XXXX XXXX on XX/XX/XXXX, so I may not have picked up my mail immediately ), TD Bank told me they were closing the dispute they opened on XX/XX/XXXX, because the item had shipped to my home. This was not true, as the information TD Bank had received from XXXX XXXX established : it said that two free items that were supposedly shipped to my home ( I ever received anything ), not the laptop computer, which was picked up at the XXXX VA store, about a two hour drive from my home in XXXX. I followed up with repeated calls to TD Bank to explain this. TD Bank has created more than barriers to communication. They have created barricades to communication. When I and my father have called, repeatedly, we have been told that a request to reopen the investigation has been submitted, that we can't talk to the investigators who make the decision whether to reopen the dispute, that a supervisor will call us back ( none has ), and that the dispute is closed so we have to pay the full credit card bill ( due tomorrow ; of course, we are willing to pay the credit card bill except for the fraudulent charge for the laptop computer ). We asked for a street address so we could send a complaint and confirm receipt ( we wanted to confirm receipt because TD Bank 's attention to this matter has been sporadic and unhelpful ). We were given a post office box and a facsimile number, and were told there is no street address where we can send the complaint by XXXX XXXX ( none is listed on the credit card agreement or the credit card, either ). We attach the letter we sent, providing more details. At this stage, all we are asking for is that the dispute be reopened so that we are not liable to pay the charge or to be assessed interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2021, XXXX XXXX Visa card services were changed to XXXX Barclays Master Card. Theoretically, all credits and debits and other information from a Visa card holder were transferred to the Master Card on that date. In fact, they were not. The regularly scheduled pay date for my Visa account was on the XX/XX/XXXX of each month whereupon it was drawn from XXXX XXXX account automatically on the XX/XX/XXXX. Apparently, because my regularly scheduled pay date occurred on the same date as date of the conversion of Visa card holders to Mastercard holders, it was not effected and recorded. Moreover, a XXXX XXXX product return in the amount of {$10.00} that occurred close to the XX/XX/XXXX was similarly not transferred from my Visa card to my Mastercard.

Because those transactions ( and possibly others? ) were lost in the process of converting from Visa XXXX to Barclays Mastercard, Barclays automatically charged my new Mastercard account a late fee of {$29.00} and a Past Due fee of {$35.00}. When I tried to make a payment of {$5000.00} on my Mastercard account balance of {$6100.00}, the Barclay 's software responded that I could not make a payment for more than I owed.

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 2021-10-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened a XXXX  checking account on XX/XX/2021 with a {$400.00} bonus promotion. The bonus was to be paid upon 10 debit card ( checkcard ) transactions within 30 days of opening the account. I made 10 purchases to XXXX within the 30 day period. It is now XXXX and I still have not received the bonus as stated in the terms and conditions.

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 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I first learned about this " debt '' when I checked my credit report on XXXX XXXX. My rating had dropped 9 pointes because there was a collection from First Federal Credit Control ( FFCC ) on it. I contacted FFCC and they told me I owed {$10.00} to a doctor from 2017. I told them I had never been notified by phone or in writing of any such debt. I called the doctor ( and their billing company ) and they told me their records did not show any such debt, nor did they turn over anything to a debt collection company. I called FFCC again and they told me that the collection effort would stay on my credit report until I paid the debt, preferably online on their website.

I have never received ANY communication of any kind from the doctor, the billing company or FFCC about owing any money. I had to call them! They never contacted me and supposedly this debt is 4 years old!

I have filed a complaint with XXXX but I want this removed from my account. How do I get this company ( FFCC ) to remove this debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/2021, I opened an account after receiving email marketing from BMO harris that I can establish an account in earn up to {$300.00} after {$4000.00} had been deposited over a 90 day period. 

The account was receiving deposits bi-weekly for a XXXX dollars from my employer. 

XX/XX/2021, I logged in to transfer the funds to my local bank, due to the lack of ATM 's and locations as I've done since the account opening and notice that the account was not showing on my OLB XX/XX/2021 - I spoke to XXXX ( customer service representative ) who told me the account was closed due to inactivity, being a bank employee at another institution. I knew that XXXX and consistent direct deposits are considered activity. I asked to speak to a manager and spoke with XXXX. XXXX shared that the XXXX 's which were typically sent the next day, not the date of direct deposits being received resulted in the account having a XXXX end of day balance and the system closed it on the 45th day. 

I have an additional concern as to this deposit culminating the $ XXXX amount that was marketed. It seems that BMO Harris closed the account to avoid paying the marketing fee. An even more pressing concern is that it resulted in me having to wait for XXXX that was received after the account was closed according to my conversation with XXXX. This will cause an issue with me paying my rent which is due before the XXXX of the XXXX. BMO harris let me know it won't be returned until Monday. 

It seems that BMO is engaging in deceptive marketing and closing account pre-emptively to avoid paying marketing rewards, unless you meet additional requirements not disclosed. Additionally, the disclosures for the marketing clearly states that 0 minimum balance requirement, and fees.

- all access to statements have been removed, so I am not able to provide to you. The industry standard after account closing is to allow users 90 days of access, typically for accounting purposes. These statements should show the direct deposit coming in and the zelles being dispersed the next day ( account number used to initiate ) I notified the team member that I will be filing a complaint with the CFPB and asked for her to file a complaint - BMO HARRIS complaint number 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 2021-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I changed my address online on Monday. I was informed I could no longer access my account. I called to see what was going on and was told I had to send in documents to verify my identity. I sent my ID with my picture and a screenshot of my heating account with my name, address and account number. I talked to the rep while I did this. I move into my new apt on the XXXX of XXXX and there is no way I will have a bill before XXXX. I sent them what they had and described that to the agent. Ask for the call records I got an email saying I could log into my account and once I did that I was once again told it was locked. I called on Friday the 1st. The first time I was told they didn't know why. The second time I was told it was because security couldn't open an attachment. They all had the same file extension so if they could open one they can open all. They won't let you talk to a manager. I have tried.

Attached are there documents sent.

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 2021-10-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Convergent Resources, Inc.
State: AL

Complaint narrative:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this 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 explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi I am having an issue receiving a Lien Release from XXXX XXXX Capitol One Bank on 2 of my vehicles. I have attached the titles to this email. I called a local Capitol One Branch and the woman told me to call an 800 # which I did. I spoke to XXXX. Who was very nice.She transferred me to another lovely lady.. Who then transferred me to a voice message that disconnected my call. Tried again same thing!! Now frustrated. I went down to our local branch. One of the tellers took all my information. And is attempting to help. But no one is responding to he either. I need these lien releases yesterday!!! Please Help! 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation