vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have TD Beyond Checking account which has been opened for several years. In addition to the Checking account I also have two savings account. My checking and one of my savings is in my name alone and my other savings is joint with my husband. XXXX the total dollars on deposit is over {$200000.00}. 

On XX/XX/XXXX, we went to our local TD Bank Branch located at XXXX XXXX XXXX, XXXX XXXX PA to open a safe deposit box. We were told that based on the relationship and checking package that I have with the bank, I would be entitled to XXXX box, first year free and then 50 % off each subsequent year. They did not have a XXXX box available, and therefore had to settle for a XXXX '' XXXX ''. We were told that we would still get 50 % off the subsequent years because the box size was not available. Since that time we have been charged {$90.00} for the box without any discounts applied. About a month ago we visited the branch to access the box and inquiry on the discounts. We were told by the teller who was assisting the only Customer Service Rep that was on duty that day ( happened to be a manager ), that he was going to credit are my account for the discounts that I did not receive. The credit never was applied to my account. I then called their customer service number because it is always hard to speak to someone over the phone at the branch and explained everything to customer serivce. They reiterated that I am entitled to a 50 % discount on my safe deposit box and for me to go back to the branch as they could not handle the refund. I told them that I had already visited the branch and nothing was done and asked them to have the Branch Manager call my husband to discuss. No phone call was ever made to my husband. Today, XX/XX/XXXX I called the local branch and spoke to a woman and explained the situation. She was very snarky and told me that I would have to speak to XXXX, the manager, however he was on vacation until Wednesday XX/XX/XXXX. I told her that XXXX was supposed to call me and again in a snarky demeanor, she he was on vacation. I asked why she could not handle my request to which she replied that I would have to wait to discuss with XXXX the manager, again in a snarky manner. Unfortunately, I did not get her name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 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: GA

Complaint narrative:
Ive recently been a victim of identity theft. I disputed the fraudulent accounts with all three credit agencies in which they were all removed. A week later Experian placed one of the fraudulent XXXX XXXX accounts back on my credit report. XXXX I filed a complaint and a week later it was removed again, but they have added another XXXX XXXX fraudulent account back on. I just spoke to a representative from the fraud department in which he stated I am unable to dispute the account again after it was already removed because XXXX XXXX placed it back. He was able to pull up my police report and my FTC report and still stated he couldnt do anything about it. The account stays. I asked him for his name he said It was XXXX and thats all he has to give. He stated Experian doesnt require they give us that information but if I want to know who he is, he is XXXX from the XXXX XXXX at work. Not sure what that means.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a packet in the mail from Equifax stating inquiries have been deleted and they have not, I have attached what was sent from them and you can see where it shows they were deleted but when I log in and check my credit profile with Equifax they are not deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received this BMO Harris Bank Mastercard which stated that I would receive a {$200.00} credit after spending {$1000.00} in the first 3 months of the card. I spent more than the {$1000.00} that was required and never received the advertised credit or cashback. I've spoken to them numerous times and been ignored some have even laughed on the phone which is very poor customer service. I hope this bank gets investigated for false advertising.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Got email from Wells Fargo that an application for a credit card was submitted on XX/XX/2023. Multiple emails alerts were also received from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX about a new inquiry/credit card application. 

Soon, someone contacted me from WF and went through the whole nine yards asking questions and validating information etc. Then they hung up saying that they will investigate and close the account/application that was not opened/submitted by me.

In the afternoon of the same day, another person from the same institution WF called and once again verified and validated a sequence of information and once again they confirmed that the fraudulent application was submitted and they will deny the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America, N.A breached line of credit ending XXXX on XXXX and caused three of my properties in XXXX Virginia unlawfully foreclose ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX on behalf of Bank of America XXXX XXXX XXXX a complaint against my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX attempted to foreclose my property in XXXX, and made me to file XXXX  XXXX bankruptcy to protect my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED FALSE, FRAUDULENT claim in XXXX  XXXX bankruptcy with different account number from Bank of America, XXXX, XXXX  XXXX BANKRUPTCY CASE NO XXXX CLOSED ON XXXX, AND case number XXXX ca XXXX XXXX XXXX DC XXXX on XX/XX/XXXX. 
conclusion because of the Bank of America, N.A breached line of credit, and opened accounts without my knowledge, and because of the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX filed false, fraudulent papers in my property deed book, and filed false fraudulent complaint and attempted to foreclose in XXXX my property and filed false proof of claim in bankruptcy XXXX  XXXX in XXXX, i suffered a lot financially and emotionally. 
i demand compensation for all of the financial and emotional damages, AND VACATE ALL OF THE FALSE, FRAUDULENT PAPERS FILED SINCE XXXX IN MY PROPERTY DEED BOOK IN WASHINGTON DC. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bank of America N.A XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: KY

Complaint narrative:
On the day of XX/XX/2022 Sent of letters to XXXX, Transunion, XXXX requesting that the inquires be removed by FCRA act. 
Have made multiple phone calls to the companys because the information is not correct on the credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: EQUIFAX, INC.
State: KY

Complaint narrative:
On the day of XX/XX/2022 Sent of letters to Equifax, XXXX, XXXX requesting that the inquires be removed by FCRA act. 
Have made multiple phone calls to the companys because the information is not correct on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/1987 I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX Late Payment Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 



I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 



As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 



I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 



Thank you for your attention to this matter. I look forward to hearing from you soon. 



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 explanation
Consumer complaint received 2023-07-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: IL

Complaint narrative:
I got an alert that a new employer has been added to my credit report, XXXX, XXXX. I have never worked for this company and I am not sure how the employer got updated to this company without any notice or verification process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Bright Capital Inc
State: MI

Complaint narrative:
Bright XXXX forced me to purchase a {$36.00} dollar membership on XX/XX/XXXX which I wanted refunded immediately. they claim they have 24 hour support so I messaged the in app support and I emailed them. I never got a response Sunday so I assume because its not a business day that I should wait until the next day Monday comes along today and I called the number no response. The number doesnt work and i tried to email all the different company emails and once again tried the in app support which once again I get no response or refund, I went online to look if anybody else was being charged and hundreds of people are complaining that they are forced to buy a membership and then are charged {$99.00} instead of the actual scam membership price anyway and then are also receiving more charges from Bright XXXX out of nowhere. I fear that when bright money goes to forcibly charge me the {$36.00} for the membership they made me purchase by misleading me that they are also going to charge me {$99.00}. I am very scared because I do not have a lot of money. I would like a refund with Bright XXXX immediately and I want my bank account disconnected but they will not do that for me and they have access to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
A supposed XXXX customer agent transferred {$200.00} out of my Chime account using a XXXX XXXX XXXX submitted a couple of claims with Chime. They denied my claims saying no error occurred. I sent them correspondence between the supposed XXXX customer service agent and myself with the supposed XXXX customer service agent stating he needed my Chime card information to transfer the {$200.00} back into my account. I wouldn't give the supposed XXXX customer service agent that information because I suspected fraud. Chime Financial has yet to send me there findings determining there decision for denying my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: IL

Complaint narrative:
Got email from XXXX XXXX that an application for a credit card was submitted on XX/XX/2023. Multiple emails alerts were also received from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX about a new inquiry/credit card application. 

Soon, someone contacted me from XXXX and went through the whole nine yards asking questions and validating information etc. Then they hung up saying that they will investigate and close the account/application that was not opened/submitted by me. 

In the afternoon of the same day, another person from the same institution XXXX called and once again verified and validated a sequence of information and once again they confirmed that the fraudulent application was submitted and they will deny the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase is trying to collect on an old debt that isnt mine! They didnt following the banking laws which i won a settlement which was agreed upon to not collect on a debt i do not owe from XXXX. I made it clear before and still will to this day!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 2023-07-24 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX . 
XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act converging account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, XXXX XXXX dealer services & US DEPT OF EDXXXX has reported Incorrect information on my report : wrong name, wrong address, & fraud. Of which they were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Arcadia Holdings, LLC
State: CT

Complaint narrative:
This debt collector contacted me on XX/XX/XXXX via text which I didnt respond to. On XX/XX/2023 they sent the same text only this time I replied with STOP as the text message indicated in order to stop these text messages. Even though I told them to stop, I still got another text message today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation