vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I reached out to XXXX XXXX concerning the two credit cards. Essentially, I set up a payment arrangement with them back in early 2020 because I experienced financial hardship due to the COVID-19 pandemic. I was able to set up the arrangement and had the dates clearly outlined over a call. For one card, I made the payment as promised and for the other, I was told that the card was placed into collections. I've requested copies of the recording that would validate my story and XXXX XXXX has chosen to simply ignore the request alongside the collection agency. One account is now current but the late fees are bringing down my credit score. The other account is in collections and no one is willing to assist me. Per SEC 4021 of the CARES Act, these late fees should be updated on my credit report for all 3 agencies. This has yet to happen. Regarding the charged off account, I demand proof that I followed the appropriate parameters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am very concerned. There is a late payment reported on my account on XX/XX/XXXX. My financial life has been ruined due to this situation. 

I was not actually late. There was a third-party company that was supposed to make the payment on my behalf. I realized that I was reported as late, and I decided to contact this company. In my mind, the payments were on time, as normal. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter. I sent Nordstrom proof of bank error, but they disregarded it and didnt remove late.

I am requesting Nordstrom to correct the late payment. This was a situation that I could not control, I was not even aware of what was happening. Ive been with your company for 3 years and I want to keep on having a good relationship between us. 
I really hope you can deeply research this case and take a fair decision. 

Account information : NORDSTROM/TD BANK USA XXXX, opened on XX/XX/XXXX, highest balance {$9700.00}. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Received notice of suspected unauthorized transaction to account via text to verify if valid and declined which initiated a fraud investigation of the transaction to XXXX. Logged online and could not find any transaction on account history and contacted bank and answered questions about last use of card. Verified that transaction was not initiated by me and bank advised that a new card would be sent out for replacement. Received replacement card and provisional credit. Few days later, received letter alleging that transactions were determined to be valid and would post to account without any disclosure of evidence of investigation as to what city, state, country, continent transaction occurred, whose account transaction was executed by as XXXX is a member app program, nor was I provided information as to name of XXXX representative that verified transaction. Confused I contacted bank for clarification and fraud representative advised not to worry that transaction would not be posted to account. Few days estimated {$120.00} was deducted from account. Attempted to escalate and no claim/reference number or provisional credit was provided. 18 U.S.C. 242 deprivation of right to property due to improper investigation. Breach of terms on liability, 12 CFR 1.2j, per affidavit of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had about XXXX dollars in my account on Friday XX/XX/XXXX. I used my debit card to withdraw cash and made 3 small dollar purchases throughout the day ( {$15.00}, {$10.00}, and {$10.00} XXXX that brought my account to {$710.00}. I paid my movers at XXXX and XXXX via XXXX, but I made a mistake on the second payment and used the same debit card linked to my bank account. I have Debit Card Advance enabled for purchases where I might overdraw, and I accepted the mistake and the {$35.00} fee because they graciously covered the {$280.00} overdraft. On Tuesday XX/XX/XXXX, however, they assessed me {$100.00} in fees for three overdrafts. I was stunned, because I did not use my debit card after I overdrew my account and in fact turned it off to make sure nothing, not even a recurring bill for {$1.00} from XXXX for my email, would throw me further in the hole and incur an additional overdraft fee. The bank can verify they authorized those payments earlier in the day but, by tricky processing times, because those payments posted on Monday overnight, when I was already overdrawn before I had a direct deposit go in on Tuesday morning, even though I made those payments when the balance was positive and had no fear of overdraft, TD Bank now says the posting time means I incurred those fees. They are more than happy to say funds unavailable when they do not want, and take the money out of my account right away because it's pending, but somehow because " XXXX closes their batch late '' I am on the hook for 3 {$35.00} overdrafts when, conveniently, the large XXXX transaction that I did later that night and do not dispute the overdraft on, nor the fee assessed, posted right away and caused a fee the next business day. This debit resequencing is fraud and is done specifically to disfavor their customers. The service they provide is valuable and when I have overdrawn I understand it's my mistake. Note that I am not disputing other recent charges when I did, nor the {$35.00} charged on Monday XX/XX/XXXX for the offending overdraft. Fair is fair. This, however, is not fair. And their deposit agreement states they'll transact in chronological order but then somehow with overdraft they disclaim all of that when it comes to fees they might be able to earn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 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: MO

Complaint narrative:
There are items that are on my report that doesn't belong to me and has not been verified. Here are the items : XXXX # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX,. XXXX # XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had a car loan with Santander Consumer USA , Inc. with a maturity date in XX/XX/2021. I made the last payment in XX/XX/2021 and checked the account several times later which was at XXXX balance. Someone from Santander Customer Service calls in XX/XX/2021 and tells me that I have a fee of {$140.00} to pay before I can receive the title of the vehicle which I pay while on the phone. While I was looking to refinancing my primary home mortgage and found out that Santander has reported me 30 days late to the credit bureaus for {$140.00}. Even that I was unaware of the {$140.00}, I paid them the same day they inform me about it. All I need from them is to correct the mistake and clear my name so I can procced with the refinance of my mortgage. 


Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately! 

. The following personal information is incorrect Account Number : Name : XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX 4. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

10.  The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

12. Validate Account NAVY FCU Account Number : XXXX Please investigate and delete from my credit report. 

13. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate 14. Validate Account XXXX XXXX Account XXXX : XXXX Please ensure that all information is accurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Harvard Collections, LLC
State: GA

Complaint narrative:
There is a collection that came on my report by the Dept of Illinois for {$600.00} in XXXX of 2021, this debt belongs to my sister XXXX XXXX, I have never had an account with the state of this nature, they even associated and incorrect social security number with the account. I spoke with my sister and it is on her report as it should be but should not be on mine. Never once was a validation of debt sent, or an opportunity to provide proof that it belonged to me, my rights are being violated and I want damages if not removed, it dropped my score down 36 pts when it posted to my account last month, and has since posted on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I had requested refunds for two ( 2 ) transaction on my Capital One credit card, both for airline tickets on XXXX XXXX XXXX. On XX/XX/2020 I purchased two tickets from XXXX to XXXX, for {$690.00} USD. This flight was to take place on XX/XX/2020. The flight was cancelled by XXXX, and never took place. 
On XX/XX/2020 I purchased two tickets from XXXX to XXXX, for {$230.00} EURO. This flight was to take place on XX/XX/2020. The flight was also cancelled by XXXX, and never took place. I submitted in writing the refund request to Capital One on XXXX, and XX/XX/2020 for these two charges ; this was only after repeated attempts by me to get a refund directly from the airline. US Dept of Transportation rules clearly state that if a flight is cancelled and you choose to cancel your trip as a result, you are entitled to a refund for the unused transportation. Capital One was supplied copious information and documentation for these charges and cancellations. Yet they still have denied my claim, citing that my request " lacks information needed to validate your dispute ''. I have made over 40 phone calls and sent documentation in writing and via their online portal, yet CapOne still refuses to honor this claim. They have reapplied the two charges to my account after initially posting the required temporary credits. They have now placed my credit history in jeopardy by trying to collect these two charges without any proof that they are owed the money. I never received the services these charges were for. 
This is Capital One Case # XXXX XXXX XXXX XXXX ( same case # for both claims ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Hello. I have been a customer since 2004. I was XXXX XXXX XXXX. I got a job and opened up my bank account at the XXXX XXXX  XXXX. Through the years of being with the bank its changed a few times. The most recent, current bank is now peoples United bank. I never have issues with anything ; Im always a very understanding person when it comes to issues. But this issue Im having is making me loose sleep. Since having this bank I been feed for having money in my savings. Im trying really hard to save money. Even just a little bit : and been charge XXXX dollars in total for a service charge. I dont know how to save money if it the bank keeps taking it out. I plan on closing the savings account and saving money a different way. But thats not the Issue. The real issue is I most recently been charge 12 over draft fees in less then two weeks totaling XXXX Dollars. I lost my job of ten years and gave birth to my XXXX  child during the beginning of the pandemic. My husband also lost his job last year and all financial security had gone right out of the window. Since having to stay home with XXXX children, homeschooling XXXX of them I am forced to collect unemployment until I can afford to find a child care and school is back in normal session. Our lives have completely turned upside and as a mother of XXXX children I want the best for them. I dont mean for this to turn into another sob story but its very gutrenching this much money has been takin from my account. 3 weeks ago my wallet was stolen and the person used my credit cards and debit card. They used XXXX at a smokers shop and XXXX at a gas station. I had budgeted enough for the week but the money they taken from my account put me behind for a few weeks until my account was credited the fraud amount. During this time I was charged 12 overdraft fees. I called the bank hoping I can get them refunded but after talking with the customer rep they said I already had a curtesy refund this year. They also suggest I have a sweep on my account so this doesnt happen again in the future. I feel abused and absolutely discriminated against as a low income individual. I was charged an excessive amount of with drawl fees and this practice seems predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 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: MO

Complaint narrative:
There are items that are on my report that doesn't belong to me and has not been verified. Here are the items : XXXX # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX,. XXXX # XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: MO

Complaint narrative:
There are items that are on my report that doesn't belong to me and has not been verified. Here are the items : XXXX # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX,. XXXX # XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: BOEING EMPLOYEES' CREDIT UNION
State: PA

Complaint narrative:
Credit line has been suspended : Because disclosure of use of information from obtained from a consumer reporting agency called XXXX. They ( BECU ) say the reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you when in fact they did. I have never been late in paying off my line of credit with BECU. So why is my credit being suspended for no reason? I have no outstanding balances on any of my other accounts the account in question at the BECU is XXXX line of credit. I think this is illegal and discriminatory since I have no outstanding balances any where. I want to take legal action and sue on behalf of the CFPB law passed recently plus I want my line of credit restored with a written apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: IN

Complaint narrative:
XXXX XXXX reported medical bills on my credit report which is a violation of my HIPPA rights. Reported to all 3 credit bureaus, XXXX, TransUnion, and XXXXx.

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 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
I have closed on the sale of my home on XX/XX/21. The escrow payment has been held for three months and counting after the loan was paid off. I've called 7 times and keep getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion should be out of business they lie and do things wrong. You give them information they ask for. They pretend to never receive documents so they can keep fraudulent accounts open. They dont follow up with rules and regulations. There are 5 inquiries. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately! 

1. The following account is not mine XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2019 Please investigate and delete from my credit report. 

4. The following account is not mine Account Number : XXXX Please remove it from 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 explanation
Consumer complaint received 2021-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, I have been disputing erroneous accounts since XX/XX/XXXX of this year and I have NEVER received a response from the credit bureaus, I don't know why. I have read that I have the right to dispute this information with them and that I am not breaking any law. Now because I have so many months and they do not answer me, it is a lack of respect that they ignore me like this.

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 2021-05-12 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: NY

Complaint narrative:
Hi, I have been disputing erroneous accounts since XX/XX/XXXX of this year and I have NEVER received a response from the credit bureaus, I don't know why. I have read that I have the right to dispute this information with them and that I am not breaking any law. Now because I have so many months and they do not answer me, it is a lack of respect that they ignore me like this.

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