vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I opened an new account at TD Bank about a month ago. I deposited my paper check which was issued because I changed TD Bank to be my direct deposit bank through my job because of convenience ( well I thought ). Well that check was deposited Saturday, XX/XX/XXXX. I called and spoke with a gentleman with TD bank and asked when I would have access to my funds if I deposited my check and I even addressed to him that I just opened this account and he not once mentioned anything about a 10 day hold. So I deposited it and in thinking my check would be good in at most 2-3 days since it was a weekend. Up to this date my funds are still on hold and just like anyone else I have a family that I am responsible for cant buy groceries, pay my bills or even get gas for my transportation. So with all this and the fees accrued {$70.00} from the bank for not releasing my funds because I was under assumption it would be so I used my card to immediately get XXXX dollars ( because the same gentleman that I spoke with via phone call about depositing my check said I would have access to the XXXX dollars ) after deposit and fueled my vehicle. I think this is a very unprofessional and misleading bank they never spoke of this once while I was on the phone opening my account or the day that I deposited my check. The teller at the banks are not friendly at all, they treated me like my business was second class. I just want access to my funds. My personal bills have accumulated fees because of this. Due to the situation we are currently under no person should be put through something like this. The first time I went into one of the banks the teller told me she would call me and never did, that was Monday, XX/XX/XXXX. And that teller even verified that day with my companys bank that the check was legitimate. Then this morning XX/XX/XXXX I went to the same bank thinking they would have a record of the check clearing and she gave me the same song and dance I will call you after I verify the check with the bank! I mean this is ridiculous, how is a person supposed to feel after this. My family, my living and even no consideration of my situation of even caring about it. This bank needs to be more transparent about fees, holds, and everything. I would like the monies that has already been deducted from my supposedly held funds that they are taking and they sure didnt have any problem deducting those monies from my deposit. I wish I had NOT opened an account with this bank, seems like they are in business to take peoples money and I dont want them to do what theyve done to me happen to anybody else!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08 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: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
To Ally Auto XX/XX/21 To Whom It May Concern, I am writing this letter in regards to a late payment ( or late payments ) reported to my credit report for my { Ally Auto Financial } account. 

I realize the importance of making payments early or on time, and I also know that paying late makes your job difficult. I wanted you to know that I missed the payment on my account due to financial hardship difficulties, I was impacted by covid 19. Ive called XX/XX/XXXX to see if I can have my payments defer and also today XX/XX/XXXX and representative was unable to assist me Ive been paying what I can }. I am truly sorry for the inconvenience, and I know that this situation is no ones fault but my own. 

I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. 

If you are able to execute a goodwill adjustment, I can continue building my credit score and remain in good standing with your company. 

Thank you for your consideration and time, { 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 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. 

This company has failed to post all my payments from XXXX to date and have reported my account as delinquent as of XX/XX/2021. 

While this is an ongoing violation of Regulation Z that they refuse to respond to, THIS complaint is concerning my CURRENT LOAN STATUS as of XX/XX/2021 ( see attached ) I have paid months in advance, and they are not processing the payments in accordance with Regulation Z. 

I have followed up and sent multiple emails but XXXX XXXX has refused to respond ( see attached ) As such, I am filing another complaint as my mortgage and credit is at risk for their violation of Reg Z and failure to process payments as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Lending Club Corp
State: PA

Complaint narrative:
This company continues to report the date my loan was issued on an incorrect date, the loan was issued 30 days after the designated date and my first payment was deducted on the same day the loan was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: NY

Complaint narrative:
I've been disputed these fraud collection accounts on my report since XX/XX/2020. I understand COVID is a thing but after 9 months of continuous dispute letters and the items are not even in investigation is a little too far fetched. I've provided adequate documentations to prove that the accounts are not mine and yet the bureaus have not even been able to open my letters it seems since the accounts are still showing. This seems to be my last resort before I shell out money for lawyers instead of letters and preferably the bureaus will be more inclined to listen then. I'm attaching ID proofs to this complaint because I'm hearing the bureaus are closing these complaints fraudulently by stating that " they can't prove my identity ''.

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 2021-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
I have always been on XXXX deferred payments because of my income and I updated and certified each year but in XXXX they put late payments on XXXX XXXX and XXXX I have never had a real payment with fed loan services since I started tell now XXXX I try to call them they dont wan na help me at all they said I never certified which I did

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/XXXX, i deposited my paycheck, XX/XX/XXXX, Saturday morning i checked my account i don't see my money at all, i checked thoroughly first for it before i did anything else, i went to the bank that morning when it opened, i talked with a bank teller she printed me a paper displaying that Nothing was deposited into my account, the amount is {$600.00} is my paycheck amount, so once i got home i contacted my bank she said the something then told me differently that i should wait until monday and it will appear in my account, also i into logging into the app and wrote my complaint it only said we see that you talked with an teller already the issue is there anything else we can help you with today. So monday is here monday, XX/XX/XXXX, and i still don't see my check. Only the money i deposited last night.l

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 2021-03-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX account # XXXX was removed from my 3 reports on XX/XX/2020 and place back on XX/XX/2020.

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 2021-03-08 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: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
no knowledge of authorizing anyrthing for this account

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
made payments at XXXX a month then the credit card company wanted XXXX a month, then returns not being applied to my credit card balance but shows as addition charges

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 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ Services , Inc, have repeatedly tried to collect on an invalid bill for dental services, a cleaning, provided by XXXX XXXX XXXX on XX/XX/XXXX. Upon receiving a collection notice from PDQ, dated XX/XX/XXXX, I responded via mail to PDQ on XX/XX/XXXX, notifying them the claim was invalid and was in fact rejected by the insurance company because it was a duplicate already processed. I sent a copy of the EOB confirming the claim had already been paid by insurance and confirming that the billing in question was a duplicate and invalid claim. 

PDQ refused to correct the error and mailed me a second, threatening collection letter, dated XX/XX/XXXX, to which I responded again in writing on XX/XX/XXXX and provided another copy of the EOB confirming it was an invalid and duplicate bill. I followed that letter with a phone call to PDQ, during which they acknowledged receiving my correspondence and apologized for the error. 

On Sunday XX/XX/XXXX, I was notified by XXXX card services that PDQ had entered a derogatory claim on my credit record for failing to pay the invalid invoice referenced above. As a result my credit score has dropped and so far, one creditor has reduced my availability already, as a result of the fraudulent, derogatory information added to my credit record. 

Id like to pursue all options under the law to hold this abusive collection agency accountable for their illegal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: MO

Complaint narrative:
XXXX XXXX  obtained my credit report that resulted in a hard hit against my credit without authorization from me to run my credit report. I've reached out to them concerning this matter and was assured that XXXX XXXX who obtained my credit report at their request on XX/XX/21 would go in to have the search/ hard hit removed! This has not happened resulting in my searching for remedial action. I have even received an email from the Sr Loan officer XXXX XXXX advising that he would get this cleared up after phoning initially the number obtained from my credit report and then reaching out to him after receiving an email offering refinance loan services.

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 2021-03-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
In XX/XX/XXXX, I did a trade in with Hyundai for my XXXX XXXX XXXX to XXXX XXXX. Hyundai was to do the payoff exchange of {$1600.00}. I have proof of check that was submitted by XXXX XXXX Hyundai to Hyundai. Hyundai is claiming that I failed to make 3 payments from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I have explained to them that I have made each of those payments but was sent to my old account which is XXXX. My current account is XXXX. I made these payments electronically on Hyundai Motor Finance website. I had spoken with several Representatives and Supervisors from Hyundai. I have proof of my payments and had forwarded my bank statements to prove that I did make them. I faxed and mailed these documents in XX/XX/XXXX. They were supposed to rectify this by transferring these payments to my current account. I have been told by Representatives that they have seen these payments in the system and that they will be transferring to another department to finish the process. They towed my car on Friday, XX/XX/XXXX. I had to do get a car rental in order to get to and from my job and get around the way I need to. I am current with my payments. They have been charging me late fees since XX/XX/XXXX. They also did not accept my most recent statement.

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 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
There were multiple unauthorized automatic debits from my account that were unauthorized. Also, the merchant didn't complete the work that was paid for initially and forced me to hire another company. My bank stated that they didn't owe me anything back because they provided service to 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 monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: KEYCORP
State: NY

Complaint narrative:
I received a check from key bank I tried to cash the check they are saying the check is no good I also took it to a bank and called key bank so many times they are not helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Over the last 11 years I have been paying monthly and paid the last of it on XX/XX/XXXX of this year. Upon filing my taxes XXXX failed to release me from the State of Michigan garnishments. I had no agreement for monthly withdrawals associated with a bank account throughout the 11 years. They made repeated attempts to get me to agree to a set amount, and if I failed that payment they would assess fees. Well that happened and a {$5400.00} fee was added to the debt. But I kept paying until it was done and I received the letter stating as such. So now they have taken {$1100.00} from my tax return from a garnishment issued from the court dated XX/XX/2020. 6 months ago. 
They failed to update my file with the state of Michigan. How many others out here are just like this? Paying to get free of debt and mostly the debt company 's that are difficult to work with. I paid this debt without discount! I over paid if full! 
Currently they will not receive my calls or respond after sending Emails to the president of 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 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD

Complaint narrative:
USAA closed my account in 2020 end of XXXX At the time of account closure done by USAA due to fraud happened to me, check with {$2000.00} and some changes is supposed to be mailed to my address on file. {$2000.00} includes military XXXX and social security XXXX. However, only {$43.00} check was received from USAA in early XXXX. I contacted thru phone in XXXX, but the response was unsatisfactory and stated that {$43.00} is all I would get.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
My wife and I received a " Notice of Assignment to a Collection Agency '' on XX/XX/XXXX from a company called Professional Account Management , LLC in relation to an alleged toll violation in the state of Georgia, with an issue date of XX/XX/XXXX. 

Per independent discussions with Professional Account Management , LLC ( PAM ) and the State Road and Tollway Authority ( SRTA ) -- there does appear to be a legitimate relationship between the agency and the collections company. A customer service representative from SRTA confirmed that the SRTA often retains Professional Account Management , LLC for their collections services. Unfortunately, we never received a prior notice from the SRTA with any details of the violation either via physical or electronic mail. Typically, we would expect to see a photograph or other proof of the violation. Additionally -- upon searching both the SRTA and the PAM websites with the alleged violation #, license plate #, or PAM notice # ; no information is available and no records can be located. I spoke to customer service representatives with both the SRTA and PAM over the phone ( after waiting on hold for a significant amount of time ) -- neither of which were able to identify or locate any violations based on the information received in the physical notice from PAM The fact that no record of violations can be found by either the agency or company has led us to believe this is a phishing request to collect a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
I went to the Amerisave Website on Wednesday XX/XX/XXXX where it clearly states, no ssn or credit report require for a pre-approval. So after you complete all the info, instead of a pre-approval, they call you and ask lots of questions and then they tell you they need to pull a credit report to finalize the pre-approval process. I asked them why does their website say no ssn or credit report and I essentially get no reasonable response on why the credit pull. 

I gave the the info and was approved for a loan and was then told that I had a few more questions and docs to review on a web link they sent me. I follow the instructions and then get a form that says, " Advance Application Fee and Authorization '' and requests a " non refundable {$500.00} application Fee. '' This is nothing but a scam to try to get a pre-qulaification letter and now I have a new credit report inquiry which I didn't want and no pre-qulaification letter. This is unconscionable business practices and nothing but a scam. How can this business practice be allowed? Now, I have a mtg with the builder tonight and no pre-qualification letter and will probably lose out on a house that we really wanted. What is our recourse?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
AMEX XX/XX/XXXX, XX/XX/XXXX add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX account # XXXX was removed from my 3 reports on XX/XX/2020 and place back on XX/XX/2020.

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