vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To whom it may concern, On XX/XX/XXXX I deposited a XXXX  check at a XXXXXXXX XXXX XXXX  the bank XXXX mistakenly deposited the check into the wrong account. The check wasn't made out to that random account holder 's name and it bounced, and was mailed to this random person whose account the check was accidentally deposited into. 
Eventually the branch located the check and on XX/XX/XXXX they deposited the check again this time to my account. 
On XX/XX/XXXX the check returned by the paying bank for an unknown reason. I contacted TD Bank  and they told me to reach out to the individual who wrote out check. I wasn't able to reach the organization who wrote the check. The people who helped me receive the check in the first place spoke to the organization and were told that there was no reason for the check to return, and it seems that the paying bank returned the check because it was initially deposited into a different account and returned that made the paying bank believe that there was a problem with the check. 
As of now I didn't receive a new check and I'm not sure if the organization is willing the give me one, ( it seems that now they have more important causes than my cause ). Even if I get a new check, I understand it won't be the same amount as the check I got at first. I also had some additional expenses due to the return of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest was notified XX/XX/XXXX by fax and certified mail of account in Dispute and account Verification request to be sent via mail. As of now I have NOT received complete requested information as required by 15 USC 1692g, section 809 of the FDCPA. As of XX/XX/XXXX Bridgecrest continues to illegally attempt to collect a debt with acknowledgment of debt in Dispute status. Alleged account status is currently showing additional payment and late fees attached. This is a clear violation of the FDCPA including but not limited to FDCPA sections 806, 807, 808, 809 and 813. I do not acknowledge this debt as mine without verification of account and will Dispute any updated payments or any associated fees. Bridgecrest to be sent as of XX/XX/XXXX, updated letter by fax and certified letter notifying of these more recent disputes including additional 10 day request for information and correction period

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 2023-09-18 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: EdFinancial Services
State: OR

Complaint narrative:
EdFinancial shows my payment due of {$200.00} and {$16.00}. I am on the Income Based Repayment ( IBR ) Plan. According to Studentaid.gov my monthly repayment amount should be {$0.00}. According to the Edfinancial representative I spoke to over the phone it should be {$0.00}. 

I resubmitted my IBR application through Studentaid.gov on XX/XX/XXXX, and that Edfinancial processed my application. The amount owed still shows {$200.00} and {$16.00}, due XX/XX/XXXX My XXXX for XXXX was {$12000.00} My discretionary income, using the IBR formula is {$0.00}. Based on this, my amount due should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/, I contacted someone to purchase a product, I was told to send it through family and friends on XXXX. When I sent the {$52.00} to him he stopped responding. I've been trying to get in contact with him for the last 10 days but I have received no response, furthermore he won't even issue a refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: MA

Complaint narrative:
This in follow up to complaint XXXX. ( I don't see an option for supplementing existing complaints so I have created this new complaint. ) I requested information from AidVantage on my XXXX XXXX XXXX XXXX AidVantage has, to date, refused to comply. I then filed a complaint with you. AidVantage has now locked me out of my online account ( apparently in retaliation for filing a complaint ), so I have no access to any information on my loans. I have no way to manage and pay my loans. I have called AidVantage numerous times to unlock my account, but simply get put on a repeating message loop telling mer to log into my account. 

I am now in the position of going money to lender that refuses to provide me basic information about my loans and refuses to give me access to my loans. 

I am concerned about the negative effects of being unable to access/manage/pay my accounts ( in addition to the widespread reports of loan servicing errors ). 

Please help me with these predatory and lending actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Business Corporation
State: TX

Complaint narrative:
This account fell into default due to the covid-19 pandemic. As part of the relief I had requested a loan modification. The loan modification was granted pending three trial payments. As part of this agreement no late action penalties would be taken against my account, including late reporting or foreclosures, or late fees etc. The payments were set to begin XX/XX/XXXX for three months, at which point my mortgage would be refinanced into a forty year note at reduced payments. SWBC informed me via telephone that I would have a grace period for these payments, and that as long as I made them in the month it would be valid. My payday was XX/XX/XXXX and I made the payment the same day. It posted, and cleared, and is attached. On XX/XX/XXXX I was reported as 167 days late ( from 0 ) causing a massive crush in my credit score and potentially jeopardizing the agreement. I want to emphasize in absolutely no uncertain terms that SWBC told me that even though the paper said XX/XX/XXXX was the deadline, that if I made it on XX/XX/XXXX it would not be an issue. Payment receipts attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Early Warning Services , LLC is showing 3 fraudulent XXXX accounts that are not mine. I have already gone to each of the banks and made seperate complaints to have these accounts zero out, and removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I called XX/XX/XXXX, and XX/XX/XXXX after being unable to link an external account to transfer money out of capital one account ( even though my external account already appears to be linked and I have paid my capital one credit card with it ). They told me I needed to add external account seperately for checking account which I tried to do but it still says " oops we've hit a snag '' and won't allow me to. I've been trying to transfer money for a week and capital one will not allow it. I will be closing my account with capital one as I'm very unimpressed with their banking services but may need help in getting my money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it 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 2023-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CT

Complaint narrative:
BMO took over Bank of the West. On XX/XX/XXXX the transfer was complete. Around XX/XX/XXXX I went online to establish my account with BMO I received an error message. I called and the agent was able to clear the error. I went to the next step to verify my bank information and they requested the user name and password of my bank to verify my account. Not happening. I spent 3 days using their XXXX alternative to verify my account. Each day I receive error messages. I finally was able to verify my account.On XX/XX/XXXX I received an email that my phone number was taken off my account. I again called BMO was told the agent had no access to my account. He could not or not explain why. I asked to be transfered to someone who could access the account. I finally was connected to a person. She explained that my account was shut off because they request a driver license verification. In this process, I could no longer access my account. I never recieved that by email or bank message. I requested that they mail through the Post Office the driver license request and a payoff bill. I was told they could not send me a driver license verification through the mail. She also told me if I sent a check in the mail that no one could access my account. Today XX/XX/XXXX I have access to my account for now. In between all these conversations I was being told that I would need to go to my local branch. I live in XXXX  the local branch to me is XXXX XXXX XXXX. I was told also when I called The XXXX toll-free number that they could not help me because I am in the US. So XXXX is not an option. All I would like to do is to make sure that my BMO account is active. I am taking a personal loan from my bank to payoff this loan if I get the mailings. I just want to pay this off. I do not want my credit score to be effected, I worked hard to get it where it is at. In XXXX  years I have never had this type of issue. Please help Thank you

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 2023-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: MO

Complaint narrative:
Four accounts were placed on my credit without an initial demand letter being sent. When disputed the validation still was not sent to me, including the demand letter. I have zero knowledge of these debts and am not getting the correspondence I am entitled to.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

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 XXXX XXXX XXXX XXXX XXXX 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is showing 3 fraudulent checking accounts that are not mine. I have already gone to each of the banks and made seperate complaints to have these accounts zero out, and removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
EQUIFAX CONTINUES TO SHOW THIS ACCOUNT AS " PAYS AS AGREED '' WHEN IT WAS CLOSED XXXX XXXX. IT ALSO CONTINUES TO SHOW THE INCORRECT PAY OFF DATE OF XX/XX/XXXX WHEN THE ACCOUNT WAS PAID OFF & CLOSED BY ME IN XXXX XXXX. ENOUGH OF THIS GAME PLAYING. THE FCRA LAW IS CLEAR IN WHAT NEEDS TO HAPPEN NEXT TO RESOLVE THIS SAME DISPUTE I'VE FILED NUMEROUS TIMES OVER THE PAST YEAR. EACH TIME I DO THE IDIOTS AT EQUIFAX SWEAR THEY FIXED IT, CLAIM THEY VERIFIED IT WITH THE CREDITOR WHICH IS A LIE, THEN SEND ME THEIR REPORT THAT NO CREDITOR 'S SEE WITH THE CORRECT INFO ON IT, OR SEND ME A LETTER DEMANDING ID & THAT I VERIFY MYSELF WHEN I'VE ALREADY DONE SO ON THE CFPB SITE PER THE REQUIREMENTS, THEN WHEN I RUN MY MONTHLY REPORT IT CONTINUES TO SHOW THE WRONG DATES & REFLECT THE ACCOUNT AS OPEN WHEN IT'S NOT! THAT IN TURN HAS LOWERED MY SCORE TO XXXX WITH THIS BUREAU WHO SHOWS ALL OF MY CLOSED, PAID OFF ACCOUNTS AS " PAYS AS AGREED '' & THE WRONG MONTH & YEAR THEY WERE PAID OFF. THIS IS A CONTINUOUS PROBLEM WITH THIS INCOMPETENT BUREAU. THE WORST OF THE 3 FOR SURE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is my 3rd complaint with this department about ongoing issues with my Truist account. Truist still says I'm - {$470.00} in my account and by my calculations that's incorrect. Please refer to my previous 2 complaints if any questions. I would like to get this settled as this has been an ongoing problem.

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