vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In the year of XXXX, XXXX, I paid {$1400.00} to a merchant called " XXXX XXXX XXXX '' who were assigned to build a website for my small business, " XXXX XXXX. '' In the time between this complaint and that payment, XXXX XXXX XXXX ( XXXX XXXX  ) utilized delaying tactics to essentially avoid providing the service paid for. Upon further review it was found on the XXXX XXXX XXXX that this company is known for having used these tactics against many individuals-often those whom do not have the means to build a complete website but need customization that stretches beyond what the current market offers to those who do not know how to code nor build a website. This company and its representative disappeared 3 months ago and they have not delivered the services I paid for, which is a completed website. 

On XX/XX/XXXX I filed a chargeback dispute with TD bank-both on my credit card and debit card accounts. The credit card dispute is a separate claim but regarding the same company for differing amounts there. We are concerned with the debit card dispute being regarded in this complaint. Twice TD denied the dispute since-on XX/XX/XXXX and XX/XX/XXXX claiming that " .... Due to the fact that this is an authorized transaction related to a merchant dispute, we recommend resolving this matter with the merchant directly .... '' Upon a phone call I made with the TD bank, I was advised by their general support team that the XXXX  guidelines for chargebacks limits their power to recoup funds paid for by their customers by 120 calendar days since the date of the transaction. I was also told by that same individual that there is no recourse. However upon speaking with a separate department, a person named XXXX advised I would receive a phone call by an individual whom specializes in these matters this week-the week of XX/XX/XXXX. I am now awaiting this phone call and will follow up on this dispute upon resolution of this matter. I want to provide TD bank an opportunity to resolve this. 

UPDATE : So as of today, XX/XX/XXXX, I have spoken with 2 other supervisors whom claimed someone from the claims department would call me to offer additonal information. However they keep on implying that this department will only tell me that XXXX 's guidelines restrict the length of time a person has to submit a dispute. However upon checking XXXX 's guidelines, this does not apply to scams and those who have fell vicitm to it. The merchant disappeared and the bank has done nothing to help me recoup my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested to validate the credit which I am allowed bi law yet in report XXXX you denied me the validation because I said that this might be fraud as I was XXXX XXXX on XX/XX/XXXX. I provided a disposition of the court which proves where I was a court document which your company also failed to acknowledge the report shows letters way into the year XXXX yet your company does not want to allow me my right to validate the debt. I submitted several disputes and I have not been given any evidence the debt is mine. It was fine on the internet in a time I was not allowed access to the internet yet your company does not give me what I am allowed bi law. Which is the credit file so I may validate the debt. So either allow me to validate the debt or except the fact that it was done wrongfully and remove it from my credit report as XXXX  already seen the error and removed it from my report b cause your violating the law and my rights

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 2023-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/23 I noticed 2 charges from XXXX on my Bank of America Visa credit card. I did not make these transactions, and I opened a fraud claim with the bank ( claim XXXX ). 

The bank subsequently informed me that they were closing the account. 

On XX/XX/XXXX, while attempting to get some status on the claim, the Fraud department notified me that a payment was due, so I made a payment of {$1200.00}. 

On XX/XX/XXXX, I received the attached notice from the bank, stating that I had confirmed that the charges were no longer in dispute. This is factually incorrect. 

I have never received a final statement on the account, for the charges in the last payment. I can not reach the bank through online or phone channels, so I have mailed a letter to the bank requesting them to re-open the claim and send me a final 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 monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CO

Complaint narrative:
On XX/XX/XXXX Flagstar Bank sent me an escrow analysis which indicated a negative balance of {$1100.00} and an overall shortage of {$3800.00}. The shortage was due to my mortgage transferring to Flagstar in which they failed to verify if my homeowners insurance had already been paid by the prior servicer. In that time, Flagstar received a bill from my insurance provider and they paid the amount, effectively double paying the premium in XX/XX/XXXX in the amount of {$3400.00}. As such, we were now expected to have our mortgage payment increase by {$320.00} monthly effective XX/XX/XXXX to cure the shortage created by Flagstars errors in boarding and escrow management.

I contacted Flagstar to resolve the matter and they said I needed to resolve it with the insurance provider. I asked for a complaint to be noted and stated Id file one with the CFPB. I did not receive the required complaint notifications as required under RESPA. Further, the agents on the phone were unaware of who the CFPB was, which puts into question the qualifications of the companys staff to properly service escrow accounts in accordance with their regulatory obligations.

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 2023-08-01 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: FL

Complaint narrative:
I have filed several complaints against the credit bureaus. 

I am unable to receive funding for my business and the patented technology is loosing income because of this situation revolving around my credit report.. the amount of debt listed is not valued as much as the projected financials of the business plan for the company. 

I demand that the credit bureaus remove the 2 negative items from my credit report and clear off all hard inquires.. 

The credit bureau did not have my consent to FURNISH the account in such manner that can hinder my financial freedom and stop all of my businesses income. 

Please show me a CONTRACT that I have signed with the credit bureaus that allows them to accept my data or credit report and use it against me to prevent financial growth or debt consolidation.?

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 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2023 Re : Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) To Whom It May Concern : On XX/XX/2023, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

XXXX XXXX XXXX I am enclosing a photocopy of that original request. The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 

I will assume that I have not received your reply because you have been unable to verify this information. Please remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you time and help in this matter. I have also sent a copy of this letter to the Federal Trade Commission. 

Sincerely yours, 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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has closed my account later than requested and they are reporting wrong balance which is not even mine. I asked them to close the card but they did not and someone ended up doing fraud on that account still Bank of America is not taking action as the account and balance are not mine. Total Reporting as XXXX dollars when even card limit shows to be XXXX so I don't understand why they are not budging as the account is not mine.

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 2023-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My XXXX XXXX reports shows that there is a balance on a closed BOA account of {$1500.00}. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX The balance is {$1500.00} as of XX/XX/XXXX It was opened with a NY Driver 's license. I have a PA license

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 2023-08-01 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: WA

Complaint narrative:
I recently ran XXXX XXXX to check on status of my information. It had status of " Hard Inquiry '' on the account with XXXX XXXX. 
When I looked at information I have not had any contact with XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, VA XXXX for years, at one time maybe 15 plus years ago I had a credit card with XXXX  XXXX however since than it was added into my bankruptcy. This should not be still showing up on my credit. I tried calling the number for XXXX XXXX XXXX they had listed to talk to personell however they just kept asking for my credit card number and I have no credit card from them nor have for years. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: FL

Complaint narrative:
Equifax has not given me a credit investigation to the fraudulent hard credit inquiries I have disputed on my credit report and have asked me to provide the following information. : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. EQUIFAX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX INQUIRIES ARE NOT PROVIDED TO PROSPECTIVE CREDIT INQUIRIES ARE A FACTUAL RECORD OF ALL COMPANIES THAT HAVE ACCESSED YOUR CREDIT FILE. IF YOU BELIEVE THE INQUIRIES WERE UNAUTHORIZED, PLEASE CONTACT THE COMPANIES DIRECTLY. PROMOTIONAL, ACCOUNT REVIEWED AND ACCOUNT MONITORED INQUIRIES REMAIN ON THE CREDIT FILE FOR 12 MONTHS AND ARE NOT SHARED WITH POTENTIAL CREDIT GRANTORS. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE - I have provided this information to them through their website- I have tried contacting their customer service number but no one ever answers the phone so I can not get through - I have not been provided with documentation showing my signature of authorization for these hard inquiries that o have disputed. I would like a representative from the credit bureau to contact me at XXXX as I am unable to get a hold of anyone on the line

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am a senior citizen XXXX years old and retired with no income only received from social security, and can not pay the debt of over XXXX XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received {$15.00} from a friend on Venmo. They froze my account twice without reason nor did I violate a user agreement. It has been frozen for XXXX weeks. I am falling behind on bills to provide for me and my XXXX children. I spoke to several team members of Venmo and it has yet to be resolved. Ive sent my driver license several times as well and its still frozen. I tried to close the account but they said it has to be unfrozen first. I feel like they are scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was applying for a loan and I was told about these items listed on my credit report back in XXXX. I started getting threating letters XXXX and Six months later I was served papers from Portfolio Recovery Associates llc that I was being sued. I'm filling police report for these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: FL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-08-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I notified Wells Fargo of unauthorized charges in the amount of {$330.00} They told me that my card was used! I ask for proof from Wells Fargo that my card was used on XX/XX/2023 and still have not received any proof of my card being used! Because I still have my card in my possession! These charges were in another state I was nowhere near that area! Ive never given anyone my card pin! Im on a fixed income I need this money! I didnt do these 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 2023-08-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has closed my account over {$10.00} I received via XXXX from the person I know. Receipment day was XX/XX/2023 XXXXXXXX XXXX When I contacted to this person ( owner of XXXX XXXX ) he said he was traveling in XXXX and his phone got stolen. The people who stole his phone they hacked his bank account and took his money out via XXXX to themselves and at the same time to cover themselves they sent out XXXX $ transactions to people on his XXXX list XXXX Bank of America deducted that {$10.00} from my account and closed my account at the same time they left fraud alert on my report now Im not able to get an account with any other bank in the community,

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