vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a home equity line of credit at TD Bank, account number XXXX. 

The account has been paid monthly by me for the past XXXX years timely paid. 

The XX/XX/2022, payment was made by me on XX/XX/2022. It was made by me as a direct online transfer from my TD checking account to my aforesaid TD credit line account. By the express language of the online payment confirmation this payment was Immediate- effective immediately. I have attached a copy of both the Transfer History, Exhibit A, and the Transfer Detail Exhibit B, both for this payment, and both of which are TD generated, which show : Transfer History ( Exhibit A ) shows 1 ) Payment into my account credit line XXXX 2 ) XX/XX/2022 Payment amount {$350.00} ( only {$330.00} was due ) 3 ) Payment Date XX/XX/2022 And Transfer Detail which has 1 ) The bank confirmation number for the transaction XXXX 2 ) The transfer being from my TD Simple Checking XXXX to my credit line XXXX 3 ) The Amount {$350.00} XXXX ) the Type of Transfer-immediate and 5 ) the Transfer Date of the immediate transfer- XX/XX/2022 As the payment was due on XX/XX/2022, and as it was made, effective immediately, on XX/XX/2022, it was paid on the XXXX day and thus was not more than 30 days past due. This should not have been reported to the credit bureaus by TD bank and when the credit bureaus received my dispute and reviewed it, all three of them should have removed this reporting error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was contacted by XXXX today regarding a previous issue that has been reported. We were unknowingly signed up for estatements. We don't do estatements never have and never will. Why? Because those will go often into junk email and will get overlooked or automatically deleted. 

XXXX states we signed up for estatements in XXXX of XXXX. Neither my wife nor I signed up KNOWINGLY. They claim they sent an email indicating that we were signed up, again, if we UNKNOWINGLY signed up, we would never see that email because it would-likely go into JUNK email. 

We missed a single payment because of this. Did XXXX send out a letter indicating that we had missed the payment? They did now. Did they send out a letter asking if we meant to sign up for estatements? They did now. Sending an email that wouldn't get read is not doing their due diligence. 

What's more, they claim they made 10 calls to my cell phone to try and let us know about the late payment. This is the first time they have stated this. If they did ( and I have no missed calls from them. I have attached a call log for my phone that they " reached out '' to me. I have no messages from anyone at XXXX ( and the woman I spoke with today did not indicate WHY they would not leave a message which other credit card companies DO. I doubt that they called. Here is my call logs going back a month ) I am more than willing to provide XXXX with a copy of voicemails left if XXXX and CFPB would like to have them. There are NO MESSAGES from XXXX and I have only 1 phone call that I received from them when it was 30 days past due. 

XXXX should also have reached out by mail and should automatically do that whenever there is a problem reaching a customer. It's the right thing to do and they didn't do it. The lady I spoke with today had no reason why they wouldn't do that either. I had also indicated that, if we unknowingly had signed up for estatements ( and I don't believe we did-I personally believe that the department that handles that had someone in house do it for folks because they are being incentivized for it like many companies are ).

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 2023-05-24 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: TX

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: TRUIST FINANCIAL CORPORATION

Complaint narrative:
My complaint is between Truist Bank ( Truist ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1. I phoned XXXX to purchase an airline XXXX ticket from XXXXXXXX XXXX XXXX I needed to return home to XXXX, as my brother, ( over XXXX yrs ) was quite ill. 
2. During call I was transferred to some group called XXXX. XXXX took my bank details to pay for my flighth ticket. She emailed me a form, and said that it was all I needed to take to airport as proof of purchase. 
XXXX. Next morning, my bank, TRUIST emailed me that my acct. was on hold. XXXX  XXXX during XXXX attempted 13 times to withdraw various amounts of money. Three addiitonal payments were approved before bank caught it. I was quickly reimbursed for those 3 unauthorised withdrawals. 
TRUIST - a week ago told me my flight ticket claim was denied. 
How can it be denied, when XXXX told me that I never had a ticket because it was never paid for. XXXX XXXX kept my money.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
An unauthorized account and inquiries reported on my credit profile. 15usc1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2023 : A online wire transfer was initiated in the amount of {$9500.00} from the Bank of America website from our small business XXXX account, to our charity recipient in XXXX. There had been 30 successful online wire transfers to this recipient before from Bank of America. 

XX/XX/2023 : The wire transfer failed this time and the money was returned to our Bank of America account. This appears to have been a glitch in the XXXX banking system that the recipient is a part of. The recipient was made inactive in the Bank of America website due to this. 

*Issue* : We can't reactivate/delete this recipient, to reattempt the wire transfer again. We have contacted Bank of America multiple times since the wire was returned in an effort to reactivate/delete/readd the recipient but no one at Bank of America seems to have a clue on how to fix this. The various Bank of America departments that we are shuttled across every time we call are " Online Banking '', " Business Banking '', " Wire Transfer '' - and despite numerous calls & online chats with Bank of America representatives - they just keep transferring the calls to another department. We have been going in circles for over 6 weeks now, including 2 calls done today, XX/XX/2023. 

Please help in escalating this to the right levels in Bank of America to resolve this issue so we can send another wire to this recipient - otherwise we will have to look for Banking services elsewhere.

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 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called Bank of America XX/XX/XXXX ( XXXX ) XXXX to enquire about how far back the bank would honor checks. I was told the bank would only honor checks written 6 months back from the date of issuing. 

On XX/XX/XXXX, XXXX, the bank contacted me via e-mail notifying me with regard to suspicious activity concerning a check dated XX/XX/XXXX, asking me to corroborate if I recognized it. The e-mail stated that I had until XX/XX/XXXX, XXXX ET to respond to the query. I chose to not respond at the time and to attend personally to the bank to attest to the situation the morning after. 

On XX/XX/XXXX, around XXXX PT, I went personally to Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) to ask for a stop payment on checks written prior to XX/XX/XXXX. As I accessed my account, the bank notified me that a series of checks dating back to XX/XX/XXXX had been cashed out from my account. 

I spoke to the location manager at the facility and was transferred to speak with the checks claims department, who told me that despite the misinformation the funds would not be reimbursed. 

The total deposited amount for the checks cashed was USD. XXXX ( XXXX XXXX XXXX and XXXX XXXX and XXXX dollars ). I told the manager that I had been told no checks dating back to six months would be honor, and was notified of suspicious activity regarding a check the day prior giving me until XXXX ET XX/XX/XXXX to answer. 

The bank refused to acknowledge their liability for honoring these checks, despite being told they would not honor checks prior to six months prior, and despite being told in e-mail that I had until XXXX XX/XX/XXXX to review the case. 

I am attaching a pdf including the cleared check transactions that have taken place for the stated amount, all of which are numbered and for the amounts of USD. XXXX / XXXX. I am also attaching the email from the bank stating I had until XX/XX/XXXX XXXX ET to acknowledge the activity for the check in question.

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 2023-05-24 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
XX/XX/2023 paid note to XXXX XXXX and still showed late. XX/XX/2023 paid ally bank still showed 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 2023-05-25 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: GA

Complaint narrative:
to whom may concern, i am unaware of any awares of these so called charges.i am just becoming aware of this charges to my credit account. i dont know who placed it on my account but, i will like it removed.

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 2023-05-25 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: GA

Complaint narrative:
to whom may concern, i am unaware of any awares of these so called charges.i am just becoming aware of this charges to my credit account. i dont know who placed it on my account but, i will like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: GA

Complaint narrative:
to whom may concern, i am unaware of any awares of these so called charges.i am just becoming aware of this charges to my credit account. i dont know who placed it on my account but, i will like it removed.

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 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: NJ

Complaint narrative:
This is a complaint regarding to Discover credit card ( XXXX XXXX : XXXX ). 

In XX/XX/2023, I got an offer that spending {$250.00} on digital wallets, I would receive {$25.00} cash back. I called Discover telephone number on the back of my credit card XXXX. A gentleman answered my phone and he confirmed with me I did have that offer under my account. I asked him whether I can use XXXX to compete that task. He answered YES. 

XX/XX/2023, I called XXXX again. The phone connected with XXXX XXXX, who told me that she is a specialist based in XXXX Office. She said I should receive the {$25.00} cash back bonus on XXXX Statement on XX/XX/2023 because the {$25.00} cash back bonus applies to my account after two billing cycles. However, I did not receive the {$25.00} cash back on my XXXX Statement. 

Therefore, XX/XX/2023 I called XXXX again. The phone connected with XXXX XXXX She said that because there are some returns so the amount I spent is less than {$250.00} ; therefore, I am not eligible for the {$25.00} cash back. I explained to her that your Discover credit card does not take back cash back when there are returns, but now the fact that you told me you do take back cash back is too late. If I knew you took back the returns, I would have spent more to make up the amount. 

Please see attached XX/XX/2023 cash back summary, which shows very clearly that the XXXX returns does NOT take back from cash back. Now because Discover does not want to pay, they said they do, which not match with the attached summary. 

I asked XXXX XXXX to escalate the case. After XXXX days, XXXX called me, treated me very badly. I asked her what is her last name. I just want to use it as a reference. She even didnt want to provide it to me. Everyone in Discover I talked before was able to provide last name, why is she so nervous? It does not make any sense. 

I want Discover to give the {$25.00} cash back because I have spent the time to call Discover, and then I did all the work already. If there are any information misinformed by Discover representatives, I should not be the one who takes the responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: MO

Complaint narrative:
Apologies for any errors in reporting legal violations, my understanding is rudimentary at best. 

XX/XX/23 : Recieved call from National Credit Management, stating I owe {$2800.00}. I did not recognize this debt, so I state, " I'm not sure... I recognize this ( debt ) ... '' and asked for letter of validation of debt and to only recieve communications through mail. I did not state the debt was mine and did not agree to pay this debt. NCM consented to my request for written form of validation. 

XX/XX/23 : 5 days after initial communication, NCM has not provided validation of debt in any form, violating all parts of 12 CFR Part 1006 ( Regulation F ) Section 1006.34 ( a ) ( 1 ). 

XX/XX/23 : 30 days after initial communication. No further communications from NCM. Decided to allow another few days before reporting to allow them more time to correct clerical errors. 

XX/XX/23 : 42 days after original notification. NCM has neither attempted to collect on the supposed debt and has not fulfilled my request for validation of debt. Have not recieved any communication of any form from NCM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Overdraft fees even though I am under XXXX and Wells Fargo doesnt charge overdraft fees for people under 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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2023-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX is reporting missed payments in XXXX and XX/XX/2021. I was sick and in the hospital with XXXX and fighting medical issues that has led me to be XXXX percent XXXX as shown by the attached documents. I suffered identity theft during that time and perhaps a payment card was affected and that could have caused a payment processing issues. I never had an issue paying and have completely paid off this account easily with a XXXX dollar payment before you all decided to close it without my consent. Please check my XXXX XXXX and see that I qualify for this card. I loved shopping at your store online, and would like to continue doing business. Please have some compassion on me and delete this late payments as they are not mine and occurred as a result of technical issues beyond my control. I was incapacitated at the time and addressed the technical situation with my bank after I became aware of and issue.Please escalate this to a manager who could grant this request if needed. It would be a great help for me. I am so exhausted and my health if deeply affected by the stress of trying to get this resolved.

Company response to consumer: Closed with non-monetary relief