vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
My Name is XXXX XXXX, TD bank claim theres unusual activities on my account which being sent through XXXX  so they want to close my account But all those XXXX  transactions are from my dad sending me allowance every now and then. They keep telling me to call the XXXX  department but nobody answers the phone and I want this probably to be fixed before I have money in there and I cant access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TX

Complaint narrative:
I have disputed a late payment with XXXX on a credit card, and neither the credit bureaus nor XXXX took my complaint seriously. XXXX reports two late payments on a credit card, but the credit card was stolen. I called to alert them of the stolen card and sent in a payment. I sent in email documentation, and nothing has been done. It is showing very negatively on my account, and this is unfair. 

Also, XXXX is still reporting negatively on my credit report, and the balance was paid in full. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. Transunion is showing the account is still open, and it is not. It is an apartment that I no longer live in. Everything was paid in full according to the payment arrangement. The company received the payment and took a personal attack against me by leaving this incorrect information on my account.

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 2022-03-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have disputed a late payment with Citibank on a credit card, and neither the credit bureaus nor Citibank took my complaint seriously. Citibank reports XXXX late payments on a credit card, but the credit card was stolen. I called to alert them of the stolen card and sent in a payment. I sent in email documentation, and nothing has been done. It is showing very negatively on my account, and this is unfair. 

Also, XXXX is still reporting negatively on my credit report, and the balance was paid in full. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. XXXX is showing the account is still open, and it is not. It is an apartment that I no longer live in. Everything was paid in full according to the payment arrangement. The company received the payment and took a personal attack against me by leaving this incorrect information on my account.

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 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is my second complaint against XXXX XXXX for holds on large deposits of bank checks into my father 's estate account. The explanation for the first holds were placed because the account was less than 30 days old ( new ). Yesterday I made a large deposit and the deposit slip indicated a 1 day hold. The account has now been opened for 34 days and has had no returned checks. This morning I received an inbox message online that actually a 7 business day ( 11 day total ) hold was placed. No reason was given other than to contact the issuing bank. The check was issued by XXXX  XXXX XXXX XXXX XXXX. The previous complaint response explained Wells Fargo policy. Again they have not followed their own policy and have given no justification.

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 2022-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a billing statement for my credit card with Capitol One, Which is XXXX XX/XX/2022. While viewing the list of my consumer credit transactions I noticed a billing error. Capitol One failed to credit my account properly. I was billed {$500.00} and my Available credit showed {$0.00} when In reality I should have {$500.00} of available credit and a Balance of {$.00} Capitol One being a Creditor failed proper treatment of my credit balance and this is clearly explained Pursuant to 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK
State: AR

Complaint narrative:
XX/XX/XXXX I was contacted by rep from XXXX XXXX XXXX XXXX in response to online inquiry for cross country moving services. I was given a quote and went over details with rep as to dates and what was to be moved. I called back later to finalize and make the first of three installments ; a customer payment is what was told to me and labeled on contract of the amount of {$570.00}. 
I made this payment by what I assumed would be a direct debit. XX/XX/XXXX I became aware that the company or rep I was dealing where not following threw with legitimacy of this move and or providing me reinsurance of dates contracted. 
A unamended driver and company called me on XX/XX/XXXX requesting different forms of payments for other two installments. On XX/XX/XXXX I wasn't able to get ahold of moving Rep I previously spoke with so I called Discover bank to report this. I then became aware that the payment came out of my account as a drafted check that had an image and wrong address printed on it. I raised my concern of this with discover bank rep on this call and promptly had them fully change my account numbers. I continued trying to get ahold of the withdrawing company of XXXX XXXX XXXX to address refund cancel accuracy of their company with no prevail and blockage of me being able to message them. From XXXX I called discover bank back several times to explain all circumstances. I asked for a charge back or help in reversing this illegitimate non receipt of service charge and every time and step of the way have without full explanation by them been told by discover bank that they can't do anything to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect is still reporting negatively on my credit report, and the balance was paid in full. I was in constant contact with XXXX Apartments and their regional management staff. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. Procollect somehow became involved, and Procollect did not do their due diligence to investigate the facts of the issue. XXXX is reporting the account is still open, and it is not. It is an apartment that I no longer live in and a company that is no longer in existence yet ; my credit profile is reporting negatively? The account shows paid in full but categorized as a charge-off, and it was not. I need this account to be removed 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 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
The SunTrust and BBT merger resulted in an ATM sent to me that failed to work. I had to drive 40 miles to the nearest beach despite having a child with XXXX who had to be transported because the company I use wouldnt take him as my card failed. I also had to miss work as an XXXX XXXX of XXXX during a COVID spike. The XXXX branch tried unsuccessfully FIVE times to activate the card with Truist customer service telling him it was my card controls. I did as instructed- tried to make an ATM withdrawal of {$100.00} which failed. The card control was {$700.00}! The branch manager issued a temporary card for me to use, ordered a new one for me, and cancelled the other cards associated with my account. Today my new card arrived, and I have been unable to activate online while CORRECTLY SIGNED IN TO MY ACCOUNT. It failed to activate using BOTH PHONE NUMBERS tied to my account. I can not have my childs safety compromised by this level of ineptitude. As an adult XXXX child the one time I did try to get him home by public transport, he misread the bus sign and wound up in a small town FIFTY MILES FROM HOME AT XXXX pm in the dead of winter. Thank God for kind people who helped him catch the LAST BUS back to home. 
For over 25 years I had NO ISSUES with SunTrust. Im under one year Truist has made our lives XXXX. I want nothing more to do with them. All I need is this card business corrected so I can change banks. I can not keep taking time off to deal with Truist errors- they knew it was going to be a problem and had no regard for the inconvenience to their customers.

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 monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had accounts with Suntrust for over 30 years. When they changed to Truist the online banking feature began having problems. On several occasions bills I had setup to pay via XXXX did not get paid. I went to the bank for help on XXXX occasions. They were aware of the problems, helped me and apologized. Just when I thought everything was ok, on XX/XX/22 there was a knock at the door. XXXX XXXX had come to turn off my power. They said my bill hadnt been pain in 2 months and was now due again.. 

I knew I had set that bill up to be paid in the usual Suntrust/Truist online banking app just as I had this bill and every other bill each month for XXXX + years. It was very easy to see my payment history in that app. I went to the bank yet again after cooling off for a few days.. I spoke to a banker that helped me before ( cant find his card ), and he tried to investigate. He called their Tech Support department and was not able to identify the problem. He asked the bank XXXX, XXXX XXXX, to assist. She offered assistance but could not identify the problem. 

They offered me a {$50.00} visa gift card. I told them the fees I had to pay XXXX XXXX were more than that. XXXX said if I could provide proof of the fees charged they were credit that back to my account. I immediately went home and emailed the proof ( attached ). I waited for the promised next-day call. I finally called them to follow up after XXXX days. I was told by XXXX that they investigated and found no proof that I attempted to pay those bills, so they would NOT reimburse me. 

I asked if it made any sense at all that looking at my credit history, and they knew they were having major issues with the online banking system during the transition, that I just decided not to pay mu power bill until they shut it off. They said nothing, which caused me to open new accounts with a better bank. 

Opening new accounts was no easy task. I had monthly checks automatically deposited, I had XXXX payments automatically deducted monthly. I paid my bills online. It will be an inconvenient dance for several months until everything is complete and I can work with XXXX bank. 

I am hurt that Truist thought so little of me that they let me take my money and close my accounts, including my credit card, checking and savings accounts for a {$75.00} fee they refused to pay.

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have worked for 7 years to rebuild my credit after Chapter XXXX in XXXX. Discover without written notice decreased the Credit Limits on all 3 of my cards which raised my utilization from 30 % to 90 %. I have paid more than the minimum and sometimes make 2 payments. This in turn caused a snowball effect on my XXXX XXXX  which was reduced from XXXX to XXXX, XXXX XXXX XXXX XXXX which I have had for several years from 3000 to 1500. So, Discover has basically negatively affected my credit which caused other issuers to follow suit. I had extra expenses during the holidays and I have been paying these down, considerably. It took forever to bring up my credit to only have it shot down in less than 2 months to where I was 7 years ago. Nothing in the mail. I called Discover and explained the negative effect this would have on car loans, refinancing, and everything else... They did not care. They did not care I paid on time and sometimes more than the minimum. Now my utilization has gone up on several of my cards and my credit that I worked so hard for and continued to pay during COVID is ruined by their decision and lowering limits without prior notice on a whim and ruining my score which I worked so hard on for so many years. XXXX XXXX seeing that Discover did this followed suit. I am very upset these banks are not regulated to prevent this from happening and intentionally ruininging an individuals credit with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: MS

Complaint narrative:
I purchased merchandise on or around XX/XX/2022 and as of todays date I have not received it. So, I went to XXXX website to check on order and there is " NO '' RECORD '' of the order ( Order Number XXXX ), ( see attachments ), and I tried to file a dispute, but there is no record of the order, thus I can't file a complaint nor can I contact XXXX about the missing order. The merchandise was paid using the payment source " PayPal Credit ''. Pay pal credit says I have to contact XXXX, but there is no way to do it since XXXX doe s '' NOT '' have a record of the merchandise I purchased. Thus, I should not have to pay for merchandise I have not received nor XXXX has not a record of it. I believe it is a " scam '' ( since there is no record on XXXX ), of sorts and I was " scammed ''. SO I am asking Paypal credit to reverse the charge of {$60.00} made on XX/XX/2022. I want ti removed from my Paypal Credit 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 monetary relief
Consumer complaint received 2022-03-04 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: VA

Complaint narrative:
Inaccurate and unauthorized reporting on consumer 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
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander took ILLEGAL action on XX/XX/2021 when they illegally sent a third party my information and they trespassed my private property TO repossess my property! They admitted to this theft in my complaints under XXXX Santander claims the total reinstatement amount to get it back was XXXX yet charged my card for XXXX false misleading and as stated ILLEGAL. my property shouldve never been taken in the first place because I dont owe Santander any debt. The amount financed is what I, THE ORIGINAL CREDITOR, EXTENDED. If we as consumers financed it? ITS ALREADY PAID FOR in full! The finance charge is the sum of all charges! Thats why Santander can NOT validate the debt in which they claim owe. In Santanders deceptive and fraudulent contract it does not state right to rescind it does in fact state No cooling off period Which is a violation of TILA ( truth in lending act ) 15 USC 1635 states to clearly and conspicuously disclose that a consumer has the right to rescind any violation found in the TILA a consumer shall be compensated double the finance charge! Santander ignored my first letter so I recently sent a second and a cease and desist. I am hereby exercising my Right of rescission THIS CONTRACT is CANCELLED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I just deposit in cash {$180.00} to a Bank of America ATM machine, ATM id # XXXX, located in XXXX XXXX, NC and the ATM machine took the money and didn't provide me a receipt, and even worst, didn't credit the deposit to my account. I feel like I was stolen by BoA. I want BoA branch where this ATM machine is located, to investigate TODAY, and credit my money TODAY, otherwise, they are stealing from me. This was cash in hand money that I had available today and is not fair that because of a mechanic problem of the ATM machine I just simply have to loose my money for no reason. The branch need to have the capacity to resolve the problem today!

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 monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Received a 1099 INT form American Express with interest of {$25000.00}, called customer service many times, but no one know what is going on and no solution. Hope American Express can fix this issue, send me the correct one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a text message alert from Bank of American to confirm if I had open a checking account online. The account was sucessfully openened. Theh provided me with the informaration of the scammer. They usedd address XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, Florida - PH XXXX. The account was openened on XX/XX/2022

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