vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
At the locate XXXX XXXX XXXX XXXX, PA XXXX, I deposited a {$600.00} stimulus check at the ATM. The ATM did ask me to put in the amount of the check, so I did. The ATM showed a picture of the stimulus check and asked me if I wanted a copy, with or without an image, I picked with image. The receipt reads XXXX XXXX available {$200.00} It clearly shows the stimulus check, and all the numbers on the check, the president 's name, and economic stimulus. 

Checked this morning and now it's saying, we could not read the stimulus check, and to call the IRS to get a replacement check sorry! 

You never put the check in, so we can't send you anything, or go into the machine, get it out and give it back to you, sorry! 

It your own dumb-ass fault Miss XXXX, you listened to our ATM, followed the ATM 'S instructions to also, keyed in the already varied amount of {$600.00}, and got the readable image receipt. 

Was also informed that TD Bank could not, would not, get the stimulus check out the ATM, because the ATM machines are managed by someone else, sorry! 

The people that manage our ATM 'S come every 2 weeks, came on the day of the incident, oops sorry I don't know what time, we can't reach them, I don't know, sorry! 

The staff here is poorly trained and unprofessional, how could you not know your job? 
Playing I don't know 's with somebody life. 

The bank could have issued me the {$600.00} until this matter was worked out, but did nothing instead. 

The IRS inform that they can not send me out another check, I would have to go to the website and fill out a XXXX form this will take months. 

I can't buy food, sorry! 
I can't pay my light bill, sorry! 
Take it up with the IRS, have them send you out another one, sorry! 
So I got to go hungry and be in the dark, for 6 to 8 weeks, while they trace a check, yep! and sorry! 

I called the branch at XXXX, was told to call the IRS and get a replacement, sorry! 
I the XXXX no help either. 

Your TD Bank branch people should be fired. 
I am without food and can ' pay bills, what am I suppose to do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07 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: ERC
State: OH

Complaint narrative:
Ive already disputed this account with XXXX XXXX XXXX XXXX and again it shows on my report. I sincerely request and want this eradicated from my report as I have no knowledge of this account and Im a hardworking diligent student. My car got stolen with all my documents inside and I have been a victim of identity theft. Kindly remove this from my report immediately as it hurts my future graduate school admissions and other things while renting out an apartment. kindly remove this ERC collection account away immediately as it has been previously sorted but I dont know why it shows again on XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, we reached an agreement for a payment plan, the payment corresponding to the month in question was made, and subsequently, the next payment was made on XX/XX/XXXX, having made the payments in time until that moment, the month of XXXX. XXXX approximately, call to make a payment extension for work problems caused by covid19 in terms of hours, they granted it to me! Giving me XX/XX/XXXX for said payment, at no time did the representative let me know that this action could cause a negative report to my credit history, when I started the plan they informed me that among the benefits I had, was the non-application of fines and that the account would be reported on time as long as it was up to date, there is no valid reason to report a late payment, if the payment was due on XX/XX/XXXX it was extended until XX/XX/XXXX, no more than 30 days late, the last payment before the plan was made on XX/XX/XXXX, therefore, after speaking 3 times where one of them the agent XXXX XXXX ID XXXX informed me that she was right! An unfair and inaccurate report was made to the credit agencies, the calls are registered and they can verify the veracity of my statements since the program began, I cordially request that this error be corrected taking into account the fair credit report law FCRA 15 USC 1681 signed XX/XX/XXXX by President XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This is my third CFPB complaint to Equifax to resolve my issue of a split file. I have contacted them on numerous occasions and made three complaints here that were all answered incorrectly by the company. My file has been split into several occasions affecting my credit score and file. If this is not resolved immediately I will be taking legal action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: T.S. Holdings
State: TN

Complaint narrative:
I would like to file this complaint on I.Q Data International due to lack of verifying this debt, proof also lack of support in this tedious matter. I feel violated, compromised and devalued as a consumer. 
I was attempting to start the home buying process but after review of my credit report of a collection from my previous place of residency I was denied assistance due to being told this was reporting as an eviction in which I fulfilled my lease agreement so I knew that was untrue. I was very shocked with all sorts of confusion. I spoke with the collections agency after receiving a notice to verify as to why I received a letter. I informed the debt collector in XXXX to validate the debt but no information was given regarding the amount due of {$1100.00}. Even disputed this fraudulent charge due to leaving the apartment spotless so I had no clue why this was happening but no follow up from the dispute regarding. I then attempted to relocate the following year by renting another home but was denied due to the same account reporting negatively with a higher account balance which from what Ive read, once an account has been sold to a collection agency it can not have a past due balance as a collection is past due by default. However, on XX/XX/XXXX I called debt collector again after receiving another notice and asked again to please validate the debt. I was told by the agent the charge was for damage. At this point, I was really puzzled but continually advised there was no damage on my part. There was never a court date for this issue which shouldve transpired if this was so, pictures also a verification letter confirming details of the debt and once again the company has failed to show proof. 

Besides this situation, Ive never had any issues with a landlord and Im a really great tenant who takes care of any residence in which I reside and theres never much of anything to be done to accommodate the next tenant. This fraudulent charge reporting from this account isnt correctly reflecting the person I am nor does it accurately show my actual credit worthiness or trustworthiness as a tenant. 

In addition, this negative line on my credit is preventing me from purchasing my first home, a place where my children can permanently live also make new memories and I just want this nightmare to be over just to eliminate this account from my record. I would like to stress that the negative information being reported is totally inaccurate and fraudulent. I am simply asking that this account is thoroughly investigated because of the circumstances in which this has occurred with no validation of 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 2021-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) but, I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes " inaccurate information '', which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I had been waiting for review of several of my payments that were finally marked " eligible '' after over a year of waiting for them to review them. Once they did review and mark the payments " eligible, '' I have 121 ( and now more ) payments out of the 120 needed for forgiveness as of XXXX of 2020. I submitted my application for public service loan forgiveness immediately after receiving this information from Fed Loan. 
I have heard nothing from them, nor have I received any documents. 

I called again today and asked the status of my application. The agent stated that my application had been approved for forgiveness and now it will take 4-6 months to have them officially discharge the debt. The agent could not give me much information aside from saying it would be 6 months for Federal Student Aid to " officially process the forgiven loan. '' This is absurd as I have worked well over 10 years in public service, paying my student debt and continue to have to wait for this company to do their job and obligations under my loan. And now that I am eligible and even APPROVED for forgiveness, it will take another 6 months!?!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my report.

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 2021-01-07 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: HI

Complaint narrative:
There are currently numerous items listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners
State: AL

Complaint narrative:
Today XX/XX/2021 I received a phone call from affiliate services. The lady let me know she was calling in regards to a medical debt. I informed her I was currently paying medical debt from another collections agency, and could not afford to pay that debt till my other debt is resolved. She then said I was lying about student loans and rambled on with out listening to a word I said. She told me to reach out to family for assistance. Which set me off having my father die two months ago, and being estranged from most of my family. She would not listen too anything I said and wanted to talk over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CONSUMER REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ALLEGED ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

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 2021-01-07 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
On XX/XX/20, I logged in to my son 's account to send him money for his text books & saw a large check amt deposit of {$15000.00}. I immediately contacted TCF to alert a fraudulent transaction and was told the account will be frozen & an investigation started right away. However it was never frozen & the hackers ended up withdrawing over {$10000.00}. 
I called the bank for a consecutive 3 weeks straight and every time it's 2 hours on the phone being transfer from one dept to the next. I finally received a letter stating the the hack was my son 's fault bcuz his device was used to access his ATM card & XXXX. The bank then started moving money from all my family 's account to cover the fraudulent check that was deposited & how they came to this conclusion. I asked for proof of the check to see where it originated but never received it. They kept sending me the same info about how they can't reimburse me on the disputed acct. 
If an investigation was done, why haven't the docs i've been requesting provided. On top of withdrawing all my hard earn money, over {$8000.00} of all my savings, they also took over {$2000.00} from my oldest account & then froze all accounts & disabled our ATM cards. I've been with TCF bank for over 24 years & this is what it all boils down to.. I need my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
We have the Visa Citi Card. 

We set up auto-pay. This month, we were notified that the payment didn't go through. We called to ask what happened. The customer service rep told us that auto-pay cancels after 6 months. We asked where those terms are. She said the agreement. The terms do not appear when you are signing up for auto-pay. Indeed, when I re-enrolled in auto-pay over the phone with her, the disclosure she gave to me DID NOT INCLUDE that in 6 months I would be un-enrolled in autopay. 
I was charged an interest payment because the payment was late. 
These terms are unfair. I think that they should not unenroll you in auto-pay - that only makes it harder to pay your bill! And the fact that you will be unenrolled in auto-pay should be clearly disclosed and agreed to when you enroll in autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX my boyfriend sent me {$500.00} to my cash app XX/XX/XXXXXXXX. I no longer have access to the phone number associated with my cash app. I had to create a new cash app account XX/XX/XXXXXXXX to even contact support. I tried to get access my old account via email with cash app support. I verified everything they asked me to verify and was still told that for security reasons my request to access my old account was denied and that the decision is final. I repeatedly asked cash app support what steps I need to take to recieve the money that was sent to my account and to have my ticket escalated to a supervisor. They kept stating there is no additional information and that they would close my support ticket. My boyfriend ( the sender ) also put in multiple support tickets trying to get refunded for the {$500.00} since they would not give me access to my account. He was told that I would have to contact support on this issue and that there is nothing he can do on his end. I read under cash apps terms & conditions that when a peer-to-peer ( P2P ) transaction is initiated cash app can hold the funds until the payment is accepted or refused but not more than 14 days and that after 14 days by law they must return the payment to the sender. So we waited 14 days and then my boyfriend put another support ticket in to see why the funds were not returned to him. Today XX/XX/XXXX he spoke to a cash app rep XXXX who told him that since the payment was accepted he could not recieve his money back and that I would have to try to get the money from my account. I have been reaching out to cash app since XX/XX/XXXX trying to get my money. I am not able to get in my cash app to accept any payments nor cash out the balance in there. Once you recieved money from a sender you no longer have to accept the money it automatically deposits in your cash app. So being that this was not the first time he sent me money the {$500.00} would automatically be deposited in my account. I have a picture on my XX/XX/XXXXXXXX account I know the phone number associated with the account ( I just no longer have that phone number ) I have the same bank card and banking information from the account as well. Cash app is telling me that there is nothing they can do and I can not access my old account. Cash app is telling the sender there is nothing he can do to get the money back. So my {$500.00} is just sitting in the cash app platform and that is not acceptable. I need help accessing my money that was sent to me. I can verify anything you need to know. I have emails from me and the sender reaching out to cash app multiple times trying to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: TX

Complaint narrative:
There are numerous accounts listed that are not related to any transactions done by me. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I received one bill for my daughter medical bill from collection agent. 
I called same day we agree that I pay {$390.00} as sattlement and they don't report to credit report. Since XX/XX/2020 I keep asking them for a Receipt " Hard copy '' and email to confirm the bill is XXXX and they don't report to three credit report. 
I spoked to three supervisor and they keep liay about they will mail it and email. Last time I called was XX/XX/XXXX If they do that to me they must doing this to other. And they not reported to IRS. I paid it by credit card on the XX/XX/2020. They had my correct address and email. They have branch in XXXX, CA but they go to the office once or twice a month per security building as he told me. 
They located the main office located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN. XXXX Tel. XXXX XXXX XXXX XXXX Company name : Radius Global Solutions LLC

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