vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
For going on 4 months now Ive had roughly {$5800.00} in my checking/savings account with TD bank and it has been locked the entire time and I havent been able to access my funds yet but they can keep taking out the monthly service fees every month and when I go to the branch they say call when I call they say go to the branch its a joke and they refuse to allow me to close out my account with them to get my money that way this is ridiculous what gives them the right to withhold my funds from me and continue helping themselves to maintenance fees each month and keeping my money from me like this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I JUST PULLED MY CREDIT AND IT SEEMS THAT CAPITAL ONE IS REPORTING AN INCORRECT BALANCE TO XXXX. 

THE BALANCE AS OF XXXX ON MY TWO CAPITAL ONE ACCOUNTS WAS XXXX AS I PAID THEM OFF IN FULL IN XXXX. 

THEY ARE REPORTING A BALANCE OF {$3100.00} AND {$2500.00} TO XXXX  MY ACCOUNTS ARE XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I NEED THIS INFORMATION CORRECTED IMMEDIATELY. I AM MONITORING MY CREDIT VERY CLOSELY SO BE ADVISED THAT YOU ARE HEREBY ON NOTICE FOR VIOLATING MY FCRA RIGHTS BY REPORTING AN INCORRECT BALANCE TO XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
BJ 'S PERKS MASTERCARD BY COMENITY BANK CHARGED ME LATE FEE ON XX/XX/XXXX {$40.00} AND PRIOR TO THAT CHARGED ME {$28.00} DUE TO FACT THAT I RECEIVED BILL LATE AND PAID LATE. I EXPLAINED TO THEM THAT I WAS AFFECTED BY COVID19 AND ALSO NY GOVERNOR ISSUED AN ORDER TELLING BANKS NOT TO CHARGE CUSTOMERS LATE FEES. THIS BANK DO NOT CARE. I WANT MY MONEY REFUNDED. I ALSO WANT THIS BANK SHOULD BE IMPOSED A PUNISHMENT DUE TO GIVING CUSTOMERS HARD TIME IN THIS DIFFICULT TIME. THANKS! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hey back on XX/XX/2020 I had applied for different Barclays cards and they had denied me but said if I can prove within 90 days there information was inaccurate they would approve me under the fair credit reporting act and reverse the decision. The application # was XXXX & XXXX. I will send you my XXXX  score and utalization they said was high but it's only 2 percent so was looking for them to reconsider. I'll also send you letters they sent me saying utalization was the issue I knew they were mistaken. I called today they said XXXX  I need to contact. XXXX  said everything is good and I need to tell barclays that but going around in circles.

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 2020-06-09 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
AMERICAN EXPRESS IS INCORRECTLY REPORTING TO ALL 3 MAJOR CREDIT BUREAUS THAT I STILL HAVE A BALANCE ON MY ACCOUNT. I PAID THE BALANCE OFF IN FULL IN XXXX BUT YET THEY ARE STILL REPORTING THAT I HAVE A BALANCE OF {$800.00} WHICH IS INCORRECT. 

WITH COVID19 OFFERS I AM PULLING MY CREDIT AND MONITORING IT VERY CLOSELY WHICH IS WHY I KNOW THEY ARE REPORTING AN INCORRECT BALANCE. 

THIS IS NOT THE FIRST TIME THAT AMEX HAS BEEN CAUGHT REPORTING INCORRECT INFORMATION. FIRST THEY ARE REPORTING LATE PAYMENTS THAT NEVER HAPPENED, AND NOW AN INCORRECT BALANCE. I PAID THEM OFF 100 % IN XXXX. THEY ACTUALLY OWE ME MONEY AND YET THEY ARE DOING THIS. THIS IS ILLEGAL AND A VIOLATION OF THE FCRA. 

I AM REQUESTING THAT A FULL INVESTIGATION BE DONE AND THAT IF A MONETARY FINE CAN BE IMPOSED PLEASE DO SO. IF THIS INFORMATION IS NOT CORRECTED ON ALL ASPECTS OF MY AMEX ACCOUNT I WILL BE SUING THEM FOR FCRA VIOLATION AND THAT IS A FINE OF {$1000.00} PER INSTANCE REWARDED TO ME BY THE COURTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX  XXXX XXXX {$290.00}

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 2020-06-09 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX XXXX XXXX {$290.00}

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 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted an online request to XXXX XXXX XXXX XXXX to transfer {$3000.00} to my XXXX XXXX credit card from my XXXX XXXX XXXX credit card as part of a HSBC balance transfer promotion. 
I received a letter from HSBC dated XX/XX/XXXX that the transfer did not go through to XXXX XXXX, and that the {$3000.00} would not be charged to my account and any transaction fees ( {$120.00} ) would be refunded. I spoke with XXXX XXXX, and there is no record of any transfer from HSBC. 
It has been 14 days since they put an erroneous {$3000.00} charge to my account, and nothing is being done to remove it. I have spent hours on the phone with HSBC customer service in an attempt to have the {$3000.00} removed, and they have not done so. I have been told repeatedly that I will be notified when the debit is removed, and no one returns my calls. In the meantime, interest is accruing on the {$3000.00} that HSBC says that I owe them, and the additional debt is impacting my credit worthiness. 
Please notify HSBC that I have filed a complaint and want this issue resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
For 2-3 years, I have attempted to negotiate a fair, affordable payment with my loan servicing company -Fed Loan -. Despite phone calls, payments, applications, deferments, forbearances & budget submissions the company keeps demanding a payment amount that is double what I can afford. I'm at the point where I feel like the whole thing needs to be forgiven, so we can all start fresh. 30+ years of debt & interest accumulation is unnecessarily burdensome. Signed Borrower

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report has an unpaid debt that is not mine. A person used my information however the names dont match or any other information except my address. This debt is not mine. I have not had laboratory testing of any kind to be charged this debt. I disputed the debt but its still showing on my credit.

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 2020-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In a letter dated XX/XX/20, I reported to Capital One that XXXX XXXX based in XXXX, XXXX failed to deliver part of services I contracted with them on XX/XX/20 with payment of {$2500.00} using my Capital One VISA credit card. The contracted tour started XX/XX/20 and should have ended XX/XX/20. However, XXXX XXXX unilaterally canceled tour starting Day 11. In my letter of XX/XX/20, I asked Capital One for a refund of {$1500.00} providing them information that backed up my request. Capital One agreed and posted adjustment on XX/XX/20. However, Capital One re-billed me {$1500.00} with their letter dated XX/XX/20 stating that XXXX XXXX provided Capital One information to support the transaction. I expressed disagreement with this conclusion in a fax dated XX/XX/20 which I repeated in a call I initiated on XX/XX/20. One invoice XXXX XXXX  provided Capital One was for a XXXX XXXX Tour between XX/XX/20 and XX/XX/20, which clearly did not occur because I took a XXXX XXXX flight out of XXXX XX/XX/20 using the same Capital One credit card. For all the other activities on dates I disputed, XXXX XXXX did not submit any invoice. Yet, Capital One maintains that I was not able to meet the technicalities of proof that VISA requires of them. Clearly, I can not provide proof for negative events.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I'd like to link my PNC debit card to my XXXX  account but PNC has blocked links to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
In XXXX I was diagnosed with XXXX. i used up my FMLA and was unable to work. I never had trouble paying the, even though i was paying back three ties the amount given. At the time I called the company and told them about my situation and the fact that I had no income. I have now received social security but it only covers the Cobra insurance so I can receive my treatments. Then COVID 19 came and the lockdown. At the time I owed XXXX dollars, that they could write off but instead of seeing how I had already over payed them, they started to call me frequently. I know they could worked with me better. They prey on desperate people with good intentions. The pay back amount should be illegal. You may say we see the terms, but they also see our income and know the possibility of hardships. I have paid them back thrice the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Mercedes Benz Financial Services ( MBFS ) # XXXX The Credit Bureaus are reporting 30-days late for XXXX. 
MBFS previously said we were 30-days late for XXXX, not XXXX & submitted a negative mark for it. 
We requested COVID assistance in XXXX from MBFS for both cars we have with them. They only processed one then ( not this one ). We had made a payment on XX/XX/XXXX. 
We made a payment for this car on XX/XX/XXXX over the phone with an MBFS collections rep. The rep acknowledged that there had been a delay processing our COVID deferral request. The payment made in XXXX would apply to XXXX & all late fees would be waived because it was their fault for the delay. The rep also said thered be no impact to our credit. 
We filed a dispute on XX/XX/XXXX after it came to our attention that MBFS had filed a negative mark on us. 
On XX/XX/XXXX we spoke w MBFS who said the issue was being worked on and would be resolved in 2-3 days & apologized for the inconvenience. XXXX confirmed on the same day that they had yet to hear from MBFS. 
We followed up w MBFS on XX/XX/XXXX who confirmed that the late mark would be removed & a credit correction letter emailed to us confirming this. It would be sent within 48hours. 
On XX/XX/XXXX, we still had not received the email & followed up w MBFS. The MBFS rep said that because of legal issues relating to credit bureau reporting they could not email the credit correction letter to us but would mail it to us no later than XX/XX/XXXX. 
On XX/XX/XXXX, we still had not received the letter & followed up w MBFS. We spoke with 3 different reps on XXXX. The first said that they actually could not legally send us the letter but that an update was sent to the bureaus on XX/XX/XXXX removing the late mark. MBFS suggested we follow up with the credit bureaus which we did only to be told they had not receive an update from MBFS removing the mark. 
We lastly spoke w MBFS Subject Matter Specialist, XXXX XXXX. She checked with their collections team & confirmed our story. XXXX also confirmed that MBFS credit dept had auto/manually corrected the late payment mark & the account shows no late payments in its history & in good standing. This update was supposedly sent to the bureaus on XX/XX/XXXX removing the mark. 
XXXX  still shows a late mark on the account. Pretty absurd given the strict rules around COVID deferrals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$280000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- REAL EASATE LOAN 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280000.00} -This is not my 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 2020-06-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$280000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL EASATE LOAN 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$280000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL EASATE LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280000.00} -This is not my 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 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TN

Complaint narrative:
Afni, Inc has placed a collection on my credit profile claiming that I owe {$510.00} to XXXX. I have NEVER had a XXXX account. I've mailed letters to this company TWICE and have not received one single reply. This company is tarnishing my credit worthiness for no apparent reason.

Company response to consumer: Closed with explanation