vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I deposited Checks ( scanned deposit ) - {$5000.00} each XX/XX/XXXX, XXXX XXXX. I let the bank know that I filed my XXXX and that I was accessing my Birth Trust Acct SSI Trust account with my negative financial instruments. TDBank told me that I can not access these funds with a simple checking account and that I must come in and set up a Trust bank account for those transactions. But over the phone I had spoken with a customer service rep with TD Bank and she told me my funds would be released to me by the following Wednesday. I had explained my whole situation to her and she said these funds " Will be RELEASED by the following Wednesday. 

I am the authorized signer on this account and I am alive and making a " Money Order '' demand that TD Bank must honor. A few days before that following Wednesday, TD Bank froze and locked my access to my checking account and online access. Now when I call online TD Bank customer service do not see a checking account ever existing for me. I do not have any past history of debits or withdrawals. It's as if my checking account never existed. 

TD Bank has requested that I come in with a Living Trust so they can set up a Checking Trust account for me. This is hard to do if my funds have been frozen and I do not have access to my funds to pay to get Trust drawn up and notarized.

I should been able to access my funds NOW. TD Bank did not give me full disclosure that they were keeping my deposited checks for months and claiming them as abandoned and then making them financial instruments and placing them on the stock market and making millions of dollars off of my signature and not sharing any of the profits with me. TD Bank is acting as a gatekeeper trying to block me from my money. I demand access to my funds and demand full remedy and claim all moneys made from my banking instruments and signature through my SSI number XXXX ( to access my Trust at the US Treasury XXXX ) and Birth Certificate. I demand funds to be deposited in my restored checking account ending in XXXX. 

XXXX Filing Number : XXXX 15 U.S.C 1666d UCC 3-104 UCC 1-308/UCC 3-419 HJR 192 12 USC 18 USC 8 UCC 3-603/ 3-311 without recourse XXXX XXXX XXXX Beneficiary I living flesh and blood woman who is alive

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/2022, I sent Goldman Sachs Bank a request to validate an alleged debt that is not mine. The Apple Card account balance was showing {$1500.00} and I requested validation per the FDCPA laws and received no response from Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
A power outage Caused my bank to double charge me on everything I have no access to any of my money my online account says one thing and the bank tells me another. They will not tell me any information other than that and they are trying to fix something I am stuck at a gas station with XXXX kids with no gas waiting for them to respond and let me use my money. All of a sudden there is no online calls available and they will not give any information out over the phone this is extremely frustrated and not to mention I had to cancel their very important doctors appointment today because of this there has been no heads up or any form of communication about this everything has been caught off guard

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: TN

Complaint narrative:
TransUnion lowered my score when a collection account was placed on my report. After proving that the account had been paid by insurance, submitting a dispute and having the account removed. My score was lowered yet again by TransUnion for the account being removed. I was told that the collection account having been removed, lowered my credit age and therefore was calculated negatively on my score. I don't believe you should be penalized twice, especially when the account has been removed because it never should have been there in the first place.

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 2022-06-17 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXA 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.

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 2022-06-17 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: NC

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. 

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 explanation
Consumer complaint received 2022-06-17 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: NC

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 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 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 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 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 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 2022-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act Account number # 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.

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 2022-06-17 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act Account number # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2022, I spoke with a loan representative of Truist Bank about a home equity loan or a personal loan. She recommended that I fill out an application online at their affiliated company, " XXXX '', for comparable interest rates, easier qualification, and swift approval. on her recommendation, I did so. 

They advertise their rates " starting at '' 3.99 %, though I completely expected a higher rate than that. 

After inputting basic information about loan purpose ( home improvement ) amount requested ( {$25000.00} ) and payment term ( 180 months ), the website showed an interest rate of 6.49 % " with excellent credit ''. A small disclaimer noted " Exact rate within the range is determined by credit profile ''. 

I proceeded with the application. I had pulled my XXXX credit reports and they were all between XXXX and XXXX, a credit score that is considered " excellent '' or " perfect ''. I also accurately estimated my income at {$50000.00}, my home equity at $ XXXX, and my liquid cash on hand at $ XXXX. I know that the credit reports will reflect a consumer credit card balance of under {$2000.00} and no other debt whatsoever. Literally decades of not one single negative credit experience. It is hard to imagine a more " excellent credit profile '' than mine. 

Yet, my " loan offer '' came back to me today ( XX/XX/2022 ) at 7.99 % APR. Given my credit profile, is completely ridiculous for my rate to come in at a full point and a half above what they advertise as the rate for " excellent credit ''. Maybe a quarter-point, to give them the benefit of the doubt. 

Their underwriting algorithm is a black box ; they have no phone number to call to discuss their underwriting, and their email " support '' is a joke... i received a boilerplate " we are sorry for the inconvenience '' reply. 

I realize that the rate offered to me, in the current lending climate and overall scheme of things, is much better than the ridiculous rates charged by predatory payday lenders and such. However, it is still a consumer rip-off. 

This strongly smells of deceptive trade practices, bait-and-switch, and false advertising. I don't actually " need '' a loan so I have a choice to decline it, which I may do. But they prey on people who do need the funds and are lulled into accepting a rate that is substantially above what they are lead to believe it will be. I suppose that the law is weak and they may be able to get away with it, but that doesn't make it right. 

Their correspondence is boilerplate and non-responsive ( see attachments ).

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 2022-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Wolf River Development Company
State: CO

Complaint narrative:
Got the loan and let them know about my pay dates On multiple instance they've withdrawn funds outside of my pay date which over drafts my account and takes my remaining moneys that I need til next pay day!! 

When I call for them to fix it they offer me another loan??? 
And say that theyll credit it towards my next payment which does not help me at all! 
They did this today and it took my money for gas to get to work this weekend and don't have the 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 2022-06-17 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents for the account " XXXX XXXX Account number XXXX. I have not received this information Per Section 623 ( a ) ( 3 ) I believe that my rights are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) failed to provide billing or statement for services rendered. I called repeatedly and requested statement in order pay {$63.00} balance that I acknowledged was owed from XXXX. A detailed billing was required for my Flexible Spending Account supporting documentation. Invoice was not available to pay from their online portal. On XX/XX/2022, I sent a detailed letter w/copy of my EOB and my check for full payment of balance ; check cleared my bank on XX/XX/2022. 

I had several subsequent services provided by XXXX XXXX XXXX so there were multiple opportunities for the Service Provider to discuss an open, past-due balance on my account. 
Balance was turned over to Louisiana Recovery Services for Collections in XXXX ; I have yet to receive any communications from this agency regarding an unpaid balance. They have reported this amount to all three credit bureaus which has lowered by credit score by nearly 80 points. The balance still shows unpaid on my credit report. 

I have all documentation to back up this claim.

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 2022-06-17 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: CA

Complaint narrative:
XXXX XXXX XXXX  Date of request XX/XX/2021 XXXX XXXX Date of request XX/XX/2021 XXXX XXXX XXXX XXXX  Date of request XX/XX/2021 XXXX XXXX XXXX XXXX Date of request XX/XX/2021 XXXX XXXX XXXX Date of request XX/XX/2021 XXXX Date of request XX/XX/2021 XXXX XXXX XXXX Date of request XX/XX/2021 I applied fort one auto loan and the dealer sent my info to multiple lenders without my knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: PA

Complaint narrative:
I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was selling items online and ended up getting scammed out of {$850.00} The scammer sent me 2 fake certified checks and I sent a transfer through Bank of America 's XXXX service. 
I called BofA and was told that there was nothing they could do and gave no advice. 
When calling XXXX, they told me to contact the bank. 

I have the information for whom I sent the money to, along with some additional information, I would like to get this person reported in hopes they do not do this 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 2022-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I contacted Nationstar Mortgage LLC d/b/a Mr. Cooper. Mr. Cooper regarding my Escrow calculation.

They are increasing my amount for insurance Hazard. Even though we pay for insurance separately. The Escrow account should be ONLY for the town Taxes. 
When I contacted them on XX/XX/XXXX they told me they would send me a letter with the adjustment amount. Instead they send me a letter stating that my Escrow account will be closed and they would not pay tax portion either. 
On XX/XX/XXXX we informed them that we want to keep Escrow account open out of concern that they would force us to Pay for insurance imposed by them, even though we have provided proof of insurance on their Website.

According to them they are not able to Reinstate Escrow only for Tax portion they have to re-instate for bot Taxes and Insurance and start the process all over again, with the aim of collecting potential late fees and holding money in Escrow that they do NOT pay for.

" If you fail to pay any of your property costs, we may ( 1 ) add the amounts to your loan balance, ( 2 ) add an escrow account to your loan, or ( 3 ) require you to pay for property insurance that we buy on your behalf, which likely would cost more and provide fewer benefits than what you could buy on your own. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act there are several accounts attached that have 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 an account without my written consent.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I havent given anyone written permission to furnish these accounts on 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