vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-05 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: MD

Complaint narrative:
I WOULD LIKE TO WHY TD BANK IS RESTRICTING AND THREATING TO CLOSE MY ACCOUNTS.I WOULD LIKE TO KNOW THE REASON WHY.I HAVE A RIGHT TO KNOW WHY ACCOUNT IS BEING CLOSED OR BEING THREATENED TO BE CLOSED. 

I WILL BE FILING A FEDERAL CLASS ACTION LAWSUIT BECAUSE OF THIS MATTER. 
I WILL BE FILING A LAWSUIT BECAUSE TD BANKING PRACTICES ARE UNETHICAL MANIPULTIVE AND DECIEVING. 

DUE TO THE MY ACCOUNTS BEING RESTRICTED.I WAS UNABLE TO TRAVEL TO FLORIDA AND BUY THINGS NEEDED FOR DAILY LIVING ... ..THIS IS VERY STRESSFUL AND DEPRESSING.I AM CONSIDERING THIS DISCRIMINATION.WHAT DID I DO TO GET MY ACCOUNTS RESTRICTED AND THREATHENING TO BE CLOSED. 

I WOULD LIKE AN EXPLANATION TD BANK IS NOT AMERICA 'S MOST CONVENIENT BANK. 
THEY MAKE VERY INCONVIENIENT FOR THE CUSTOMER. 
I WILL SEE THEM IN COURT, I WOULD TO BE COMPENSATED FOR THIS MISERY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: MI

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: IL

Complaint narrative:
there is an account on my consumer report that is being reported more than once. In addition, information is not correct. I was denied credit to get my daughter 's dental work done for all the inaccurate information that has been furnished to my consumer report. This false reporting is ruining my credit reputation, I have had to move in with my family because of fear I would not be able to get an apartment in a desired neighborhood. 

Also, according to federal laws a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card My credit is my SSN and I have to give my SSN to apply for a " student loan '' therefore these tradelines are a result of my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Self Financial Inc.
State: IL

Complaint narrative:
I closed my account and the company has failed to return my security deposit. The have been giving me the run around and not sending me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
Overview : Flagstar Bank made our family 's property tax payment out of our Escrow account on the wrong property. This issue has been brought to their attention, nothing has been done and no course of action has been laid out to rectify this error. Poor due diligence and over-automation has lead to Flagstar raising our monthly payment as a result of this error. I have been bluntly ignored throughout this process. 

Timeline : XXXX - I receive a piece of mail from XXXX XXXX informing us our property taxes have not been paid and are still outstanding. 

XX/XX/20 - I consult my lawyer and he confirms that Flagstar had in fact not yet paid any tax amount on our property pin #, according to XXXX XXXX. 

XX/XX/20 - Our Lender confirmed the tax payment was taken out of our Escrow account, but was paid to the incorrect pin #. 

XXXX - A case is opened with Flagstar to correct the issue. I follow up with the email address given to me by Flagstar 's Tax Department. 

XXXX - I receive an Escrow Review Statement from Flagstar Bank indicating a significant raise in the monthly mortgage payment due to the a Escrow shortage, which is a direct result from the tax payment error made by Flagstar. 

XXXX - Given no communication despite multiple emails to the email address given to me, I call and follow up and a new case is created. There are 2 cases outstanding from this issue. 

XXXX - I call Flagstar and am told thy are still reviewing, no progress made.

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 2021-06-05 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: NJ

Complaint narrative:
Experian, XXXX XXXX XXXX allowed a company by the name of XXXX to report false information on my account. The company XXXX also did not follow FCRA guidelines. 

The creditor failed to notify me when it supplied negative credit information to a CRA The creditor failed to notify me of my right to dispute inaccurate credit information The creditor failed to submit corrected information to the CRA subsequent to investigating your dispute None of the CRA conducted a conduct a reasonable investigation of my dispute. I would like documentation of verification that you received from XXXX that the account is accurate and that I was appropriately notified prior to the company reporting this on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a Well Fargo - XXXX XXXX XXXXXXXX XXXX XXXX in the mail yesterday. I never applied for this card and when i try to call the company and report this i get the XXXX XXXX store CC dept. I can't call the XXXXXXXX XXXX  dept until Monday morning. If i am trying to report a fraudulent card, i should have access to someone 24 hours a day

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 2021-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am a small business owner. I used PayPal as my on-line point-of-sale. In XXXX, they froze my account with my money in it ( {$21000.00} XXXX with no notice or explanation. When I inquired, they could not explain why the account was frozen, but said my money would be released in six months. No details were given despite my persistent questioning and I was not requested to provide any documentation Six months later ( XX/XX/21 ) I called to check on the status. The {$21000.00} in the account had been transferred out, directly into PayPals corporate offices account. They could give me no details as to why this money was being taken from me, will not provide documentation to explain my apparent fault, and will not provide a supervisor to elevate my inquiry to, or refer me to any department to pursue this. They will not provide a ticket number to pursue this as they say the case is closed. Their only statement is that I am in breach of their user agreement, and that this situation typically involves drugs, nudity or weapons. As a respectable business woman, I am horrified at these accusations. 

I am a XXXX XXXX ( XXXX XXXX. ) and have my practice in XXXX XXXX. My clients refill their recommended supplements through my on-line store and thus PayPal. These supplements are from professional line manufacturers, and as such are high quality. This also means that they require my store to be password protected so that only my clients can purchase them. Each of these clients I know personally The {$21000.00} they have taken from me came to me as many small purchase transactions from my clients. I had been using PayPal as a payment gateway for many years, without a single chargeback or complaint. 

I have repeatedly called them with no success I have filed a complaint with the XXXX  and California Attorney General XXXX am in the process of writing my Congressman & the CEO of PayPal In my research, I see that this situation has happened to many others for many years, and most fail to get their money back. I believe this is an injustice on the part of PayPal that needs to be resolved not only for me but for other customers. I do not know of any other business that can just take your money without due process, providing documentation, or at least a verbal explanation as to why, with no opportunity to correct their information and the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-05 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: PA

Complaint narrative:
XXXX XXXX Full XXXX XXXX XXXX XXXX Pa Social security Number : XXXX Date of Birth : XX/XX/XXXX This is a fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL , subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave XXXX any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT. 


XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Equifax : XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: NJ

Complaint narrative:
XXXX, Transunion and XXXX allowed a company by the name of XXXX to report false information on my account. The company XXXX also did not follow FCRA guidelines. 

The creditor failed to notify me when it supplied negative credit information to a CRA The creditor failed to notify me of my right to dispute inaccurate credit information The creditor failed to submit corrected information to the CRA subsequent to investigating your dispute None of the CRA conducted a conduct a reasonable investigation of my dispute. I would like documentation of verification that you received from XXXX that the account is accurate and that I was appropriately notified prior to the company reporting this on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: NJ

Complaint narrative:
XXXX, XXXX and Equifax allowed a company by the name of XXXX to report false information on my account. The company XXXX also did not follow FCRA guidelines. 

The creditor failed to notify me when it supplied negative credit information to a CRA The creditor failed to notify me of my right to dispute inaccurate credit information The creditor failed to submit corrected information to the CRA subsequent to investigating your dispute None of the CRA conducted a conduct a reasonable investigation of my dispute. I would like documentation of verification that you received from XXXX that the account is accurate and that I was appropriately notified prior to the company reporting this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
This frivolous account remains on my credit report despite many written complaints to the three credit bureaus. In my First Dispute, I ask that the account be checked and " confirmed. '' According to the three credit bureaus, this company " confirmed '' that this item is being " reported appropriately. '' As a Second Dispute, I request that the First Request be Reinvestigated, because the bogus account is still on my credit report. Following the Second Dispute, the three credit bureaus indicated that this company " confirmed '' that these things were " reported appropriately. '' As a third point of contention, I asked, " Who validated these accounts? '' How did these accounts become verified? Provided me with copies of ALL original documentation ( s ) on files, such as contracts or legally enforceable agreements ( as proof ), with my signature on it pertaining to the disputed account. This company was unable to supply me with a copy of ANY original documentation for this item that I sought. I DEMAND THAT THIS ITEM BE REMOVED/DELETED IMMEDIATELY FROM MY CREDIT REPORT.

I fully intend to file a lawsuit in accordance with the FCRA to enforce my rights, seek relief, and obtain all monetary damages that I may be entitled to as a result of your continuous willful and careless non-compliance under Sections 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hi yes I have 3credit cards with capital one bank. I keep making payments every month. Trying too get balance lower but stats at over limit??? Like too get help lowering the interest so I can catch up. I'm on XXXX going thru hardship also. Don't Wana have too do chapter XXXX bankruptcy. Don't Wana ruin my credit. Hoping I can work with capital one. And get payment lowered or at least get interest down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
experian reports a fios of XXXX XXXX reports XXXX XXXX reports XXXX All show 17 % credit use All show same balance used credit. 
I have written experian several times no reply.

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 2021-06-05 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: MI

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 
XXXX. XXXX & XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I received a loan estimate with NFCU on XX/XX/21 that had escrow included. I was not interested in that option so I sent an email on XX/XX/XXXX inquiring about that situation, and to remove it now, instead of later. I was reassured on numerous occasions that I had satisfied all prerequisites to have it removed, and that it would be corrected, but I'd have to wait until they send my closing disclosure to see that update. They pushed through the underwriting, conditional, and final approval, so my account when into closing on XX/XX/XXXX. My loan advisor most recently has advised to the settlement processor on XXXX that the escrows would need to remain. I was not told why. I feel I have been mislead and entrapped. My closing date is on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I paid this account off and returned the equipment but this account went to collections. I was told that the account would be deleted as soon as my Account was fully updated in XXXX XXXX. I disputed the accounts and the law office Carter Young updated it as unpaid and it made my XXXX  drop XXXX points. This is a nightmare because im in the process of buying a home. I was told by XXXX they would notify Carter Young to delete the account from my report and not to worry but instead they are wrecking my credit more because instead of deleting it they reported it as unpaid for another month which looks like a missed payment. Even if they delete the acct I still have to wait until my credit recover. This has been a nightmare! They actually owe me XXXX cent I dont owe them a thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: BARCLAYS BANK DELAWARE
State: VT

Complaint narrative:
On XXXX night I received a call from Barclays fraud detection line about suspicious transactions. They were indeed fraudulent, being described to me as in-person transactions in New Jersey at a place called XXXX, 3 transactions totaling {$450.00}. I filed the routine papers to indicate it was fraudulent. I later received a note saying Barclays had investigated and some of the XXXX items were fraud, but some were not. How they arrived at that decision was not explained. As monthly bills came in, there were late fees and interest charges, so I continued to call to protest the growing balance. I paid for any items which were legitimate charges, then discontinued use of the card. I wrote letters to their dispute resolution line, but never got any replies. Recently they sent me a letter stating they had received a notice of billing dispute from me regarding a charge from XXXX, a legitimate purchase I made, which I had paid for. I NEVER disputed that charge, as my payment for it would indicate. I have tried to call, but their fraud line is not open the hours as stated on their letters. I have sent back my destroyed card, via certified mail, but have not received the confirmation back from the USPS. I am fed up with their incompetence, and their effort to take my payments for legitimate charges to pay their fees and stiff the companies I purchased from. 

I have not included copies of documents because I dont want personal information published with this complaint. I do have documents, and will provide if requested by the federal office handling 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 2021-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit Systems Inc is reporting a debt that was paid in full on XXXX2021 in the amount of {$1500.00} yet they continue to report this item as unresolved. Pursuant to the FCRA the FDCPA and the FCBA ... .this is in violation of several federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have obtained a copy of my credit report from Transunion and i have found several inquires on my consumer report that i did not authorize nor did i give permissible purpose or written instruction for this information to be furnished on my consumer report. Transunion is in violation of the FCRA 15 usc 1681b.

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