vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
This issue with TD Bank first began when I moved outside of TD Banks footprint. My account was placed on hold until I could verify my identity which was via the submission of my credentials and a signed and notarized affidavit of identity. TD Bank restored my access to my account until sometime in XXXX when I presented a check to TD Bank which end up bouncing. The fraud department suspended my access to the account until I could submit requested documentation and bring my account to a positive balance. Once I had met the conditions set by the fraud department as discussed my access to my account had been reinstated. Later I was contacted by management from TD Bank in XXXX XXXX, Florida which was known as my " home branch '' the manager requested I resubmit identity documents, she advised she would be able to take the proper action once I had provided the requested documents. Shortly after providing the requested documents my account was placed on hold again pending closure. I Contacted TD Bank customer service who redirected me to the branch. Management said that due to a check I had submitted TD Bank chose to close my account however prior I worked with TD Bank 's fraud team to reopen the account in good standing. I selected TD Bank to receive my tax refund which was deposited into TD Bank however due to the hold on my account the funds have not been made available to me nor has TD Bank been willing to work with me to reopen the account. TD Bank stated that the account would be closed and the balance of the account disbursed to me in form of a cashier 's check however TD Bank continues to withhold these funds from me and has not closed the account nor communicated with me about the status of the account or my money. I have entered into extreme hardship do to this treatment of TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Comerica
State: CA

Complaint narrative:
My second stimulus check for {$600.00}. was scheduled for XXXX deposit. The money was deposited into an closed acct. that was not mine. # XXXX. I had to contact the IRS on XXXX XXXX and they recovered the {$600.00}. and told me they have to mail it to me and it would take 5 weeks and I still waiting for it. Now, they sent me my XXXX. stimulus and it was schedule to be deposit on. XX/XX/XXXX into that same # acct. XXXX which is not my acct. My acct. # XXXX which I closed onXX/XX/ So, I need someone to look into this matter and close out the acct.XXXX. Now, I have to contact the irs again, so they can recover the check and mail it to me. I just received my new card. So, I'm requesting that someone look into this matter and close out that acct. XXXX. If you need to contact me. ( XXXX  ) XXXX Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I am victim to inaccurate/fraudulent accounts appearing on my credit file. I was extremely upset when I found out that I had inaccurate/fraudulent accounts on my file. I immediately filed a dispute with the credit bureau in XX/XX/2021. It have been 90 days since my original complaint and I have yet to get my issue resolved. I have since filed a total of three disputes with no response from the credit bureau. According to the Fair Credit Reporting Act my issue is supposed to be addressed within a 30 day window. My consumer rights are being violated and I am suffering financial and mental stress due to the inaccurate/fraudulent accounts hurting my general reputation. I am being ignored by the credit bureaus and I know the Consumer Finance Protection Bureau is the governing body to the credit bureaus and will enforce that they are properly doing their job according to the consumer laws in place set by congress. I have attached the letters that was mailed to them over the three month span. I need all of the inaccurate/fraudulent accounts removed from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Purchased a new vehicle in XX/XX/XXXX and last payment scheduled for XX/XX/XXXX. Lender engaged in negative amortization and did not apply payments towards principle as required. Lender is attempting to collect or have me refinance left over negative amortized interest at end of loan maturity date. Lender is under lawsuit by Attorney Generals AA part of multi-states settlement ; required to offer waiver loan balance and release of titles to lenders. They classified lenders with some " internal code '' and loan/lending practice that result in consumers at risk if default, repossession and adverse credit ratings. Loan and lending practices result in loss and negative impact on consumer. When contacted the lender, Santander Consumer Bank, refused to explain how there can be any balance left when all payments made on vehicle ; would not explain or provide me with " internal code '' used or even explain it. Customer service would not allow me to go up chain of command to discuss problem with so called " administrators '' and just hung up on me several times or passed me around to it her reps. Company engaged willingly UN predatory practices that area illegal and unfair. Considering they are already under scrutiny by various states attorney general 's offices to provide refunds, release of titles and waivers to consumers impacted by their predatory loan and credit practices, one would think they would work hard to redress and offer relief and make amends for their illegal and unfair actions that negatively impact customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have XXXX XXXX ACCOUNT / XXXX ACCOUNT closed on my Transunion / XXXX and XXXX, I already disputed with the company and they said they would remove it and would contact the credit bureaus, and the credit bureaus have not helped or removed it, even though TRANSUNION / XXXX / XXXX  agreed they would remove within 48 hours because they were unverifiable. it has been months now and it hasn't been removed and it is affecting my credit score and way of living.

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 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I got a copy of my credit report and saw that I was being charged {$640.00} for a debt that has not been validated nor have they ever contacted me regarding the debt I tried calling the agency and got no reasonable response to fix the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XXXX XXXX at approximately XXXX I placed a call to Coinbase Support at XXXX. Coinbase Representative XXXX XXXX, was notified of my 2 factor authentication access issue. Since my account was linked to my cell phone, XXXX called via land line, XXXX, a recorded line for XXXX  XXXX at both XXXX and XXXX to assist with my success issue. XXXX advised me to open an XXXX application, on my cellphone, XXXX. I completed the steps and accepted the remote request. Per XXXX, my account was not set-up properly and I was advised to follow the instructions to rectify my errors on my account by sending my BitCoin funds to XXXX XXXX XXXX # XXXX. After I initiated the send instructions, I noticed there was a charge of {$1.00}. I immediately made XXXX aware that I was concerned and that I was confused on how this would help my 2 factor issue, he advised me not to worry, the new funds would be available in 15-20 minutes. At XXXX, I received an email from Coinbase Support regarding the steps. I immediately initiated my account to be disabled. I attempted to contact Coinbase Support and sent multiple emails and responses to Coinbase Support but the responses to my concern ( s ) were slow. I explained to them, through email, what had happened but in the end they only wanted to verify my identity to enable the account. I was made aware they do not have a live customer support contact. 
I have contacted the XXXX Police Department XXXX I have file a complaint with referral form with Internet Crime Complaint Center. 
I have obtained the copies of the recorded phone logs and calls, a photo of the website, the fraudulent email, copies of the purchases which date back to XX/XX/XXXX, and all communication to Coinbase regarding the event. According to Coinbase they are willing to release any transaction information to the Authorities ( AHJ ). Any Help would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-28 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I am victim to inaccurate/fraudulent accounts appearing on my credit file. I was extremely upset when I found out that I had inaccurate/fraudulent accounts on my file. I immediately filed a dispute with the credit bureau in XXXX of 2021. It have been 90 days since my original complaint and I have yet to get my issue resolved. I have since filed a total of three disputes with no response from the credit bureau. According to the Fair Credit Reporting Act my issue is supposed to be addressed within a 30 day window. My consumer rights are being violated and I am suffering financial and mental stress due to the inaccurate/fraudulent accounts hurting my general reputation. I am being ignored by the credit bureaus and I know the Consumer Finance Protection Bureau is the governing body to the credit bureaus and will enforce that they are properly doing their job according to the consumer laws in place set by congress. I have attached the letters that was mailed to them over the three month span. I need all of the inaccurate/fraudulent accounts removed from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have XXXX XXXX ACCOUNT / XXXX ACCOUNT closed on my XXXX  / Equifax and XXXX, I already disputed with the company and they said they would remove it and would contact the credit bureaus, and the credit bureaus have not helped or removed it, even though XXXX  / EQUIFAX / XXXX  agreed they would remove within 48 hours because they were unverifiable. it has been months now and it hasn't been removed and it is affecting my credit score and way of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have XXXX XXXX ACCOUNT / XXXX ACCOUNT closed on my Transunion / XXXX  and XXXX, I already disputed with the company and they said they would remove it and would contact the credit bureaus, and the credit bureaus have not helped or removed it, even though TRANSUNION / XXXX / XXXX  agreed they would remove within 48 hours because they were unverifiable. it has been months now and it hasn't been removed and it is affecting my credit score and way of living.

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 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have XXXX XXXX ACCOUNT / XXXX ACCOUNT closed on my XXXX  / XXXX  and Experian, I already disputed with the company and they said they would remove it and would contact the credit bureaus, and the credit bureaus have not helped or removed it, even though XXXX  / XXXX  / EXPERIAN agreed they would remove within 48 hours because they were unverifiable. it has been months now and it hasn't been removed and it is affecting my credit score and way of living.

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 2021-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
To whom it May concern : After recently reviewing my credit report I noticed several inconsistencies regarding the account ( CAPITAL ONE AUTO LOAN -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX  is reporting a balance of {$22000.00} with a current payment status, XXXX  is reporting a balance of {$22000.00} with a current payment status and XXXX  is reporting a balance of {$22.00}, XXXX with a current payment status now all three of these balances cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different. The balances listed on all 3 reporting agencies is the current balance on my account either. My current balance is {$21.00}, XXXX. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE the erroneous item immediately Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE

Complaint narrative:
hello my i am a american citizen living in XXXX i am XXXX and recive my ssa through direct deposit to XXXX here thats routes it thro bny mellon my complaint is about the econaomic impact payment 3rd round the first 2 payments deposited into the account just fine however the 3rd that was due to be deposited the XXXX of XXXX was sent back and now i am waiting for a paper check due to be sent out the XXXX of XXXX and irs represenitive from irs is telling me it takes 9 weeks to get and i can not cash here due to my us dollar account is incoming electronic deposits only my bank is telling me i have to open a us dollar account and processing to cash the check will take 2 months not to mention i have to have XXXX dollars to open the account to cash it the whole ordeal has dug me even a deeper hole not to mention i have XXXX kids born abroad i am not getting impact payments for at all because i havent been able to file certificate of birth abroad to get a social security number because embassy here has been closed due to pandimic i get no benifits of rest of relif package because i dont live in usa food costs have shot thro roof here i was even evicted from my home and forced to move to small bachalors apt with XXXX children and barly room for my things this whole experiance has been a nightmare and i am forgotten and overlooked by my goverment i worked so hard for and became XXXX in service of unreal thank u but no thank u i live abroad because i cant afford to live in states and now cant afford to live here either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I am a victim of fraudulent/inaccurate accounts appearing on my credit file. I have sent complaints to the credit bureaus for the last 120 days and my issue was not resolved. My rights as an consumer are being violated according to the Fair Credit Reporting Act. My general reputation is being tarnished which is hurting my ability to obtain credit. I am suffering mentally and financially, I will seek remedies if my issue is not resolved immediately. The credit bureaus have failed to resolve my issue which I was more than patient in waiting for a resolution so I filed a complaint with the Federal Trade Commission for fraud. The fraudulent/inaccurate items are still appearing on my credit file and I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hi, I have been working to fix my credit for the past year running my reports with all three bureaus weekly. On XX/XX/XXXX an account appeared from a XXXX XXXX XXXX XXXX. I contact them to inquire about this and was initially told they bought this account XX/XX/XXXX and that its an account opened in XXXX and they report to credit agencies within 90 days. I then asked them why they waited 13 months to report this and they would not provide me with an answer. Ive called repeatedly and they will not provide an answer. This is unfair business practices and it also caused me to lose a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Hi, I have been working to fix my credit for the past year running my reports with all three bureaus weekly. On XX/XX/XXXX an account appeared from a Midland credit management company. I contact them to inquire about this and was initially told they bought this account XX/XX/XXXX and that its an account opened in XXXX and they report to credit agencies within 90 days. I then asked them why they waited 13 months to report this and they would not provide me with an answer. Ive called repeatedly and they will not provide an answer. This is unfair business practices and it also caused me to lose a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: OH

Complaint narrative:
I did not apply for a credit card from 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 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: WI

Complaint narrative:
To whom it May concern : After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX  -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. Equifax is reporting a balance of {$22000.00} with a current payment status, XXXX  is reporting a balance of {$22000.00} with a current payment status and XXXX  is reporting a balance of {$22.00}, XXXX with a current payment status now all three of these balances cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different. The balances listed on all 3 reporting agencies is the current balance on my account either. My current balance is {$21.00}, XXXX. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE the erroneous item immediately Thank you, XXXX XXXX

Company response to consumer: Closed with explanation