vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have previous open a complaint against TD BAnk concerning NSF Fees while that complaint was completed and close. I notice the documetation that the TD bank Rep added to the complaint had collection companies on them stateing that they sent account to those collection companies to collect the Debt.After doing more research i found out TD Bank reported My information to XXXX XXXX XXXX. The accounts that the letter from TD Bank have shows the amount of XXXX {$590.00}. The Amount that the XXXX XXXX XXXX Credit report has from TD Bank is {$5100.00} that has a difference of {$3500.00}. Td Bank has violated my Privacy ACt 1974, FCRA and XXXX XXXX XXXX XXXX XXXX Pursuant to Fair Credit Act section 15 U.S.0 1681 ( a ) ( 4 ) '' Infringed Upon a Consumer 's right to Privacy '' section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.0 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a XXXX XXXX XXXX ' or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates Also under the XXXX XXXX XXXX XXXX Privacy Rule it states that The Privacy Rule protects a consumer 's " nonpublic personal information '' ( XXXX ). XXXX is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available. '' XXXX is : any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or any information you get about an individual in connection with providing a financial product or service ( for example, information from court records or from a consumer report ). 

And on the Early warning Report it has my personal information and the Collection Companies has my personal information as well. 

I have also attached the documentation. 
This has caused alot of pain and aggrevation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I had phone service with XXXX XXXX until XXXX of 2021. I called XXXX to cancel, I told them to cancel all lines, and send a final bill. I paid the final bill, and I have not received another bill from XXXX. 

XXXX sent an account to collections and is reporting on my credit report as in collections, without ever sending me any other bill. I called and spoke with XXXX and they said they " texted the bill '' to a number that was disconnected. I have asked them multiple times to send me an itemized bill, and they have not done so. 

I never received a bill, now it is on my credit report, and they are refusing to remove from my credit report, even if I pay the amount they are asking.

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 2022-10-12 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2022-10-12 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: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/2021, charge for XXXX business training for {$1300.00}, Ive disputed the charge and initially got my money back but then discover placed the charge back in my account and said the investigation was still under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF THE WEST
State: NV

Complaint narrative:
Someone obtained my information and opened a checking and savings account with my email, name, address, social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A section 2 states : it also staes a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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. 

XXXX XXXX : XXXX, XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX Bank : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Lending : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 instructions 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 non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp
State: MI

Complaint narrative:
I asked the collection company ( Creditors Discounts and Audit ) to send me proof of debt because I was not aware of any for XXXX XXXX XXXX XXXX XXXX. Nothing has been sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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:
I have asked the credit bureaus respectfully, to fully investigate these accounts that do not belong to me. They have not been through with their alleged investigations and keep letting these accounts falsely report to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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:
I have asked the credit bureaus respectfully, to fully investigate these accounts that do not belong to me. They have not been through with their alleged investigations and keep letting these accounts falsely report to my credit 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 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WY

Complaint narrative:
The amount of times and different numbers Portfolio Recovery has called me from is harassment. They call me before I wake up in the morning. They call me at XXXX XXXX  when I am at work. They call multiple times a day from lots of different phone numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I received a debt collection letter on XX/XX/22, I called the company the same day and emailed the company on the same day to dispute the debt. I hand wrote a dispute letter on XX/XX/22. I received a letter from the debt collection company today indicating the debt is mine even though the letter from the company shows the services were provided to someone else.

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 2022-10-12 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
I have been trying to make my payment through the app but it is not allowing me to. Ive submitted several requests through their website for someone to contact me and have been unsuccessful and now my payments are past due. I attempted to reach them on : XX/XX/2022, XX/XX/2022 and today XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I signed into my account and it stated my card was close. I was not notified at all that my account has been closed and I feel like my rights has been violated. Paypal had no authority to close my credit card and I would like my card to be reopened immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2022 I've sent a wire transfer from my account at Chase for the amount of {$1000.00} to my account abroad. Money has not been received by the receiving bank. 

Correspondence with the remitter bank ( Chase ) revealed that the destination bank is now in XXXX XXXX list, that's why Chase has blocked the full amount ( no refund ) on their designated account. Their wire services suggested filing for XXXX license to unblock funds. 

After filing the application for XXXX license, supplying them with necessary information about the transaction, I got the response that information about the blocking has not been sent to XXXX ( which should be done within 10 days from blocking per XXXX regulations ). 

Chase representative now claims that the transaction has been complete and that they don't don't see the relevant correspondence in the Bank XXXX XXXX system ( it is still there ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: KY

Complaint narrative:
Charging overdraft fees when my account showed I had the funds available : Inaccurate 'Available Balance ' reporting has led to overdrafts on my checking account with US Bank twice now. Most recently, I received a notification today ( XX/XX/12 ) that my account was {$120.00} negative due to 'holds or other adjustments. ' I check my available balance almost every day. Even considering all pending transactions on my account, my available balance has shown to be roughly {$80.00} or more for over a *week*. The app literally shows the updated available balance under each pending transaction while they're still processing so you know how much you'll have once they clear, and I was nowhere near negative. Two small charges ( totaling less than {$40.00} ) went through today and suddenly my available balance was - {$120.00}, when no other charges had been added since yesterday, when the balance was showing to be well above {$40.00}, even with pending transactions. Today, all of the numbers showing my available balance after each transaction are significantly lower than what they were while those charges were pending. I am also not aware of any holds on my account/card and have no clue what 'adjustments ' would apply or have caused this, and I have no clear way to find out. 

Either their technology is malfunctioning, or they are intentionally manipulating available balances or transaction processing to mislead customers and result in overdrafts so they can profit off the fees. Their overdraft charge is {$36.00} per transaction, which means they'll now charge me at least {$72.00} in overdraft fees due to inaccurate/misleading account reporting- on top of the {$120.00} they say I overdrew, despite my account being nowhere near negative when I checked it last. Which means {$200.00} less from my next paycheck that I'll have to put toward bills and groceries. 

Given the impending recession, this seems especially heinous and worth bringing to an official 's attention. This is, at best, a serious error in their app/online banking, and, at worst, a malicious attempt to wring as much money as possible from the rapidly-shrinking pockets of everyday people.

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 2022-10-12 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:
The only name I should have on my CRA report is 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 non-monetary relief
Consumer complaint received 2022-10-12 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:
The only name I should have on my CRA report is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: MOHELA
State: OR

Complaint narrative:
I am eligible for a student loan refund from Mohela as part of the Biden administration student loan forgiveness program. I called on XX/XX/2022 and was told my refund request was approved and I would receive a refund within 30 days. 

When I still had not received a refund by XX/XX/XXXX, I tried calling Mohela 6 times throughout the day and their customer service number had a busy signal ( others were having this issue as well ). 

I messaged Mohela through their portal on XX/XX/2022 asking for a follow-up on when would receive my refund and they never replied. 

I tried calling Mohela 's customer service phone number and their automated messaging system told me that I am not eligible to speak with a live representative. 

I sent another message to Mohela through their portal today, XXXX XXXX, 2022. 

Please let me know if you need any further information from me. It has now been 45 days without payment when I was promised 30 days, and Mohela refuses to return my messages or answer calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My father passed away earlier this year in XXXX. I am his sole beneficiary, POA on the account, and am managing his estate. I have provided documentation and death certificates to Citi to prove that the account owner is deceased. 

Over the course of the last three to four months, I have been trying to close my father 's checking account with Citi Bank. On numerous instances with online chat and over the phone, the request has been denied. They have assured me multiple times that the account will be closed, but each time it remains open. Now, they have started assessing fees ( $ XXXX ) to the account because there is no balance in the account. 

I have made an earnest effort to close the account to no success and I am hopeful that the CFPB can help close the account and put an end to this drawn out 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 explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I took out a loan with Wells Fargo for a swimming pool of {$8000.00}, I set an automatic draft for the payments to be taken out {$130.00} a month, me & my mother have an shared account together with both of our names on this account, Wells Fargo except the account & was taking payments out of the account for about 4 or 5 months, until I got a letter stating that they can no longer take payments out of this account, because my mother was not on the contract with the pool, I did Not need my mother on this contract with me at the time I had a XXXX credit score, this had absolutely nothing to do with my mother, I immediately went to my back & got a certified letter saying that I & my mother are are this account together, I faxed the document to Wells Fargo to show that name is on this account for them to take the payments out, they wrote back declining taking the payments outofy account, I have been back & forth with them on this issue, they closed account with them & runt my credit score, I done everything in my power to get this issue resolved & nothing is working with them, to me this is nothing more than Breach of contract that Wells Fargo has done.

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