vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
A payment of {$360.00} ( XXXX XXXX ) was made online on the XXXXXXXX XXXX XXXX XXXX Website on XX/XX/XXXX. The payment was processed using the only payment source on file with the XXXX XXXX, a source that had been used for at least the prior XXXX payments. The XXXX XXXX notified me that the payment failed due to " ..the account not being able to be located. '' The XXXX XXXX 's reference account number for my payment source ended in XXXX digits that are NOT the XXXX digits that my account number ends in, but the correct XXXX digits appear on all previous payments that were successfully processed. My payment account information had been deleted after the XXXX XXXX payment failed. The original Account XXXX was re-entered, a payment made, and the payment went through. The XXXX XXXX can not verify the source of the incorrect account number it used to process the payment ; my husband and I have no accounts that end in those XXXX digits. The XXXX XXXX has failed to accept responsibility & has charged a fee of {$30.00} for the failed payment, plus additional fees and interest on the balance that was submitted for payment on XX/XX/XXXX. We seek a credit of those fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I took out a car loan with Citizens Bank on XX/XX/XXXX for approx {$36000.00} with a monthly payment of {$590.00} monthly acct # ending XXXX. I was laid off from my job in XX/XX/XXXX and my last payment on the loan was in XX/XX/XXXX. The car was repossessed in XX/XX/XXXX and charged off the same month for {$9100.00} after the car was sold by Citizens Bank. I have a checking and savings account with Citizens Bank and without my knowledge and permission, withdrew {$9100.00} on XX/XX/XXXX out of my savings account to satisfy the charged off account. Most of my income is from Social Security retirement and I have been receiving Social Security since XX/XX/XXXX. I had saved over {$12000.00} during ths time and was in my savings account at Citizens Bank. I thought is illegal to take money from an account if most of that income is dervied from Social Securirt benefits and if there was no activity on on account for at least four years according to debt collection regs. The telephone number for Citizens Bank Asset recovery is XXXX and address is Citizens Bank Asset Recovery XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX. Please see attached docs for additional verification. Please advise if you need nay further information from me. Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report.

These are the following lists of accounts that do not belong to me or were opened without my permission : FST XXXX  Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX FST XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX CTR Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$30.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$590.00} Date Opened : XX/XX/XXXX XXXX XXXX ADJUST Account # : XXXX Balance Owed : {$790.00} Date Opened : XX/XX/XXXX XXXX/XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$650.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX OF XXXX  Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$450.00} Date Opened : XX/XX/XXXX XXXX  XXXX Account # : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX XXXX  FIN Account # : XXXX Balance Owed : {$2700.00} Date Opened : XX/XX/XXXX XXXX FIN Account # : XXXX Balance Owed : {$12000.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I recently submitted a complaint request with your organization and attempts to seek further input and and/or resolve regarding my loss mitigation application. In addition to such I had sought your support in finding out the status as this company continues to suggest that they do not have nor can they verify any application on file. This is concerning as XXXX  made repeated attempts to find out the status and this company has not provided a response to such. During my last complaint the company provided a reply about another line of action however, failed to respond to my inquiry regarding my mitigation application.

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 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates
State: GA

Complaint narrative:
This company prince parker has called multiple times about a debt of now XXXX it originally when they started was XXXX I have told them I do not ow this debt and I have contacted XXXX and XXXX XXXX given them the information they gave me and repeated time have told me I do not ow any money to them. I have told them to stop calling me and they continue to do so. Today I got the information to dispute the debt and have done so with the email given to me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check on XXXX XX/XX/2022. I asked specifically about a funds hold because I know the bank often does that, particularly for a large check ( over {$80000.00} ). She said the systems didn't show any. I was surprised and figured I'd wait and see. Not surprising was that the next day the deposit showed a funds hold for up to 10 business days. I know that the banking system is more efficient than that and that the check cleared and funds were likely transferred the next business day, and yet I was not able to access the funds for over a week. I finally see today that the funds are fully available ( XXXX XX/XX/2022 ) and know that Friday was a bank holiday, but it is still ridiculous. Banks holding our cash XXXX while they earn interest on it is completely unfair to consumers and an abuse of their position. They should be required to make funds available as soon as the other bank approves the payment and sends the funds.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously a billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 

XXXX 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 explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
unknown addresses on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Trying to apply for a loan. Credit report shows a mortgage is still open. Mortgage has been paid in Full since 2003. Second mortgage also paid in full. We owe nothing on XXXX XXXX XXXX dwelling. 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 2022-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
i was not wear of this debit told the collector i dispute this charge, he told me to call the police and file a report, i told him that its not up to me to prove this debit is mine, he told me it was and that even thou i dispute this debit they will still call and me on the debit, he refused to validate the debit and once again repeat his story that this is on me and i have to prove to him that this debit is wrong and not i ask for a cease and desist and kind of laughed it off, this a 3rd part for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected 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

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 2022-11-14 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected 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

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 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX approximately XXXX my hotel room door was kicked in and I was assaulted. My Laptop, cell phone and wallet was taken. The XXXX XXXX was called and they took a crime report # XXXX. I tried to report my Credit & Debit cards as stolen to the bank USAA but they did not open until XXXX. So at XXXX XXXX I reported both cards as stolen and gave them the crime number but they did not seem interested in it. I have been calling for oveXXXX XXXX  months demanding my XXXX back. I informed them they only had 45 days to investigate. They just don't seem to give a XXXX that I'm a XXXX XXXX XXXX Vet who is on XXXX  XXXX from XXXX  and XXXX  and XXXX XXXX. I receive only XXXX XXXX a month and can barely pay for my meds, eat and bills. I have escalallted this all they way the the CEO level agent, but to date my account is NSF and my family, cant even send me money as these charges will eat them up. On XXXX My Checking and Credit card were in perfect standing. Now USAA has Embezzled my money. I entrusted my money in their care, they refused to give it back and they have made money off my money. I dont give a XXXX if its .0001 % on their scale. When I was a XXXX  I arrested people for these charges. I want my money back and accounts placed the way they were. The moment I reported the crime, my liabilited stopped at XXXX XXXX  on the XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Transworld Systems Inc and XXXX XXXX XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority.Transworld Systems Inc, XXXX XXXX XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates XXXX XXXX 1962 ( c ). XXXX XXXX XXXX transferred the account in reference without lawful authority to Transworld Systems Inc which is a violation of code 18 USC 1028 ( a ) ( 2 ). Transworld Systems Inc obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Transworld Systems Inc and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Transworld Systems Inc does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Transworld Systems Inc is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Transworld Systems Inc that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Transworld Systems Inc has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
GOOD DAY SIR / MA, I HAVE IN THE PAST MADE CREDIT CARD ENQUIRES WITH THIS CREDIT CARDS COMPANY BUT I NOTICED THAT EACH YEAR THEY WENT AHEAD AND CHECK AND MONITOR MY CREDIT, WITHOUT MY AUTHORIZATION. 
THIS ADDS UP ON MY CREDIT REPORT AS IT MAKES IT LOOK LIKE I MADE THE NEW REQUEST FOR THE CREDIT CARDS. ALSO I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, I THINK THE PERSON WITH MY INFORMATION STILL TRY TO GET CREDIT CARDS ON MY INFORMATION AS I RECIEVE SOME DECLINE MAIL WHILE I NEVER APPLIED FOR ANY CREDIT CARD THIS ALSO SHOWS UP ON MY HARD ENQUIRY CREDIT REPORT. 
I WANT THE BANKS THAT HAVE MY SSN THAT MONITOR AND CHECK MY CREDIT WITHOUT MY CONSENT TO STOP DOING SO, ALSO SOME CAR DEALERSHIP, AND CLEAR UP MY HARD ENQUIRY, AS ITS AFFECTING ME NEGATIVELY. I NEVER GAVE THEM ACCESS TO MONITOR AND CHECK MY CREDIT YEARLY, BUT I SEE THEY DO SO YEARLY, AND SOME NEW ENQUIRIES I NEVER ACTUALLY AUTHORIZED. 

ATTACHED ARE THE PICTURE OF COMPANIES REQUESTING AND MONITORING MY CREDIT SCORES YEARLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX  XXXX XXXX XXXX Balance : {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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

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 2022-11-14 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:
Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Bought furniture from XXXXXXXX XXXX XXXX XXXX on XX/XX/2022 it was charged to an Ashley credit card, amount {$2200.00} when I call and told them I did not buy the furniture from Ashley 's, Synchrony bank closed that account, and opened another one, and transferred the balance to the new card, {$2200.00} We paid the new card off on XX/XX/2022 amount {$2200.00} the payment cleared my bank on XX/XX/2022, now I keep getting a bill for the amount of {$2200.00} that we have already paid off. I have been trying to get Synchrony bank to straighten this out for 5 months after numerus phone calls and paper work sent to the bank 3 times they still can't get it straightened out. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar 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