vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I HAVE A TD BANK ACCOUNT REPORTING ON MY CREDIT REPORT AND AS A FEDRERALLY PROTECTED CONSUMER I HAVE BEEN STUDYING CONSUMER LAWS AND I KNOW MY POWER AND RIGHTS I NEVER GAVE ANY WRITTEN PERMISSION TO TTD BANK TO FURNISH ANY REPORTS TO THE CREDIT REPORTING AGENCIES NO CONSENT IS IDENTITY THEFT I NEED THE ACCOUNT REMOVED FROM MY CREDIT REPORT WITHIN 4 DAYS OF RECEIPT OF THIS NOTICE I HAVE ATTACHED AN FTC LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: FL

Complaint narrative:
I am distressed that the creditors have included incorrect information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus should report only 100 % accurate credit information.

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 2021-08-19 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: KY

Complaint narrative:
I have been battling credit errors since XX/XX/ and prior due to identity theft and Equifax data breach. I have spent hours on the phone trying to get my information correct I was told by representatives that information had been corrected to only check and nothing had been corrected nor would they update my information with corrected proof of errors reporting on my credit report also reporting outdated information and changing my address without my consent I honestly have tried everything to get my credit back in order soon as I seen a major increase I lost XXXX points due to errors and misinformation Equifax reported. I have lost money time and opportunities for lenders to provide service due to this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: U.S. BANCORP
State: DC

Complaint narrative:
Need record of proper account balance. Account balance is outdated.

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 2021-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
On XX/XX/XXXX I was notified that there was a new CREDIT INQUIRY on my credit report- pulled by Capital One. Ive not applied for a Capital One card nor did I give permission for them to pull my credit. This is a hard inquiry and I want it removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is being made against Transunion. This is not a request for TU to verify the XXXX XXXX XXXX account this is a request for TU to remove this account in its entirety completely from my credit profile. Transunion has failed to report the account 100 % accurately even after allegedly verifying this account. TU when mirrored against the other companies each bureau is reporting something totally different. Ive been factually disputing TU reporting since XXXX and each rime I point out an inaccuracies TU updates my call out, fails to provide the source of verification and continue to violate my rights under FCRA 611. This is my final request for the account to be removed since TU failed to report the account 100 % correct. I am gearing up to obtain a lawyer is sue and request the max at {$1000.00} per occurrence since TU is not abiding to rules, regulations and violating my consumer rights.

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 2021-08-19 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: NJ

Complaint narrative:
i have a fraudulent account being reported on my credit report i dont know what else to do i was advice to file an ftc report so i did that please help me removing this fraudulent account 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 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paypal credit on my account. 

I used paypal credit to purchase business courses to help learn new skills and make ends meet for my family as I had my XXXX child XX/XX/XXXX. 

When the pandemic hit, we went through hardship and my wife and I were on unemployment. We were receiving money from unemployment. This was used to survive during XXXX. So we could not pay as we would have wanted to. Due to the pandemic and unemployment, my wife and I were scrambling to make ends meet so we were not able to pay on time from XX/XX/XXXX to XX/XX/XXXX. 

XXXX and XXXX starts it in XXXX but XXXX in XXXX. 

So Paypal closed the account without letting me know. I've had a long history with paypal and used their services throughout the years. 

My wife and I have started our own businesses to try and make ends meet. The reason there was a gap in paying for 3-4 months was because survival was our focus. I had a brand new baby and my priority instead of paying the credit back was to provide for him and my wife. 

In order for me to continue to do business and expand, I would need credit cards but because of the late payments and closure of the account, I am not able to open or qualify for business credit cards. I have the funds to pay it off now but wanted help. what would be the amount i would need to pay if they accept so that they could remove all the late payments on my reports?

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 2021-08-19 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2021 my capital one card was charged for two separate EBAY trnascation : ..one for XXXX.one for XXXX ... i told them it was fraud and i didnt make the charges ... they gave me temp credit then asked for info i didnt have!! ... how do i know who made the charges.or where they came from or what was bought..i cant give info i didnt know..all i know is almost XXXX dollars was posted to my card and i didnt do it and dont know who did..so now they closed the case and rebilled me cause i couldnt provide info i had no way of having..i locked my card so no more charges can me made but i'm still out almost XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
WHEN THE PAMDEMIC STARTED JUST LIKE MILLIONS OF PEOPLE IN THIS COUNTRY I WAS AFFECTED FINANCIALLY LUCKILY THE PPP LOAN WAS INTRODUCED AND I GOT APPROVED THE FUNDS WERE DEPOSITED TO ME IN XXXX CAPITAL ONE TOOK IT UPON THEMSELVES TO FREEZE MY FUNDS AND ALSO CLOSE MY ACCOUNT I SUBMOITTED EVERY DOCUMENT THEY HAVE ASKED ME TO PROVE I QUALIFY FOR THE PPP LOAN TILL THIS DAY I HAVE NOT BEEN NOTIFIED OF THE INVESTIGATION RESULTS I REACHED OUT TO THE SBA THEY TOLD ME THEY HAVE NOTHING TO DO WITH THE INVESTIGATION AND THAT I AM STILL RESPONSIBLE FOR PAYING BACK THE LOAN. MY BUSINESS IS HOW I FEED MY FAMILY I CANT OPERATE MY BUSINESS MY KIDS AND I ARE BARELY SURVIVING I DONT KNOW WHY CAPITAL ONE IS DOIN THSI TO ME I DEFINITELY PLAN ON CONSULTIN WITH AN ATTORNEY TO SUE YOU HAVE NO IDEA HOW MUCH OF AN INCONVENIENCE THIS HAS CAUSED ME WE ARE ABOUT TO BE HOMELESS I HAVE CRIED EVERY NIGHT NOW I AM EXPERIENCING XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Need record of proper account balance. Account balance is outdated.

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 2021-08-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I had made purchase of an airline ticket dated XX/XX/XXXX in the amount of {$930.00}. I had cancelled the ticket due to travel restrictions and merchant provided the partial credit on XX/XX/XXXX worth {$770.00}. But in the month of XXXX they charged me again with the same amount and in the XXXX statement I see charge for {$770.00} dated XX/XX/XXXX as per the statement. I reached out to Citi bank and I had provided the same information multiple times. Each time they came back with same answer that I already got refund on XX/XX/XXXX which is not true as it was charge back again on XX/XX/XXXX. This is fraud for services never received and harassment from bank. Please help

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 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/2021 I received a letter in the mail ( dated XX/XX/XXXX ) from Chase : Weve decided to close you accounts. 

No explanation was given and I have until XX/XX/XXXX to withdraw all my funds. 

Ive been banking with Chase for over 4 years. I have a personal account, a business account and a savings account, as well as two credit cards ( one personal and one business ). 

Ive never had a payment or check bounced or returned. Ive always paid ahead of time. I maintain a positive balance at all time, never going into over draft. I have hundreds of thousands of dollars in my savings account. 

I have two mortgages which are always paid paid on time, never ever late. 

Never had a complaint or issue with the bank. 

My main business is buying and holding real estate in the U.S., and Ive stated that in all questionnaires. 

The only thing I can think of is that I currently live abroad in XXXX, but I have many friends and family who live in XXXX and have been banking with Chase for years. 

Ive spoken with my bank manager and he has no idea why this could have happened. 

Im extremely surprised and disappointed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Payment Errors : Your company did not properly credit 2 separate payments that I made on XX/XX/2021 in the amounts of {$1100.00} and {$2900.00}. These payments should have been credited to : o The {$1100.00} should have been credited to a shortage that was needed to ensure payments would not be increased. 
o The {$2900.00} should have been credited to XX/XX/2021 mortgage payment Instead you improperly combined these two separate checks which were labeled for their intended purpose to : XX/XX/2021 mortgage payment of {$3100.00} on XX/XX/2021 A payment of {$45.00} for XX/XX/2021 {$820.00} Principal Curtailment or extra principal payment Your company did not properly credit the payment I made on XX/XX/2021 in the amount of {$3000.00}. 
o Instead, you incorrectly for a month inaccurately showed that the XX/XX/2021 payment I sent was applied on XX/XX/2021, why was this applied so late. 
o Then on XX/XX/XXXX you applied an erroneous Principal Curtailment or Principal payment of {$4100.00} that we never even made. 
On XX/XX/2021 we received a letter from our bank letting us know that the XX/XX/XXXX Check was never even cashed. 
Your company did not properly credit the payment I made on XX/XX/2021 of {$3000.00} o Instead you applied it to the XX/XX/2021 payment Your company rejected the full payment I made on XX/XX/2021 in the amount of {$3000.00}. 
o Your company sent back my cashiers check saying that it wasnt signed. 
To my knowledge and as with the other checks you do not need to sign. 

Fee Errors : Your company incorrectly imposed several late fees on us due to all these errors, this needs to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: FL

Complaint narrative:
Dear Transunion, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct.The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : I did not consent to, authorize nor benefit from any of the following inquiries. Please block and remove them from my credit profile immediately. 

1. ) XXXXXXXX XXXX - XX/XX/2021 2. ) XXXX - XX/XX/2021 3. ) XXXX XXXX XXXXXXXX - XX/XX/2021 My ID, SSN, and FTC report have been attached. 

Best, 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 2021-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
PayPal are creating fictitious purchases of the same amount of purchases that I already made. So I am being charge twice for the same amount. Is not the first time they do this. This happen back in XX/XX/2020. I spoke to them and they apologize and remove the amount. But they are still doing it. They need to be audit. I am going to call them so they can remove these amount once again but they need to be audit and charge for fraud.

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 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
violation of my right to privacy

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 2021-08-19 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I mailed out a debt validation letter to Capital One on XX/XX/2021 requesting for them to validate the alleged accounts ending in XXXX and XXXX. They have not responded to my letter that was received certified mail. I entered into a consumer credit transaction w Capital One which no cash is supposed to be excepted by the lender. capital One is in violation of 15 US C1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. Capital One in fact took cash as shown in the attached labeled exhibit. I have found 20 protected consumer right violation under 15 USC 1692 and USC 1605 that I have presented as exhibit w a signed affidavit of truth. I also have a recession letter exercising my right to rescind pursuant to 15 USC 1635. XXXX XXXX is in violation of 15 USC 1611. XXXX willfully and knowinly failed to provide and disclose information required under the provisions of 15 USC 1601. They are now criminally and civilly liable. I have mailed attached documents to XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I mailed out a debt validation letter to DICOVER requesting for them to validate the alleged account ending in XXXX They responded by sending me a copy of 6 months of statements. Pursuant to Generally Excepted Accounting Principles they have to prove the money left their account if they gave me a loan and they did not provide any information showing the funds actually left their account. The statements provided violate 15 USC 1692j because I entered into a consumer credit transaction w DISCOVER which no cash what is supposed to be excepted by the lender. DISCOVER is in violation of 15 US C 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. DISCOVER in fact took cash as shown in the attached labeled exhibit. I have found 36 protected consumer right violation under 15 USC 1692 and USC 1605 that I have presented as exhibit w a signed affidavit of truth. I also have a recession letter exercising my right to rescind pursuant to 15 USC 1635. XXXX XXXX is in violation of 15 US C 1611. XXXX willfully and knowinly failed to provide and disclose information required under the provisions of 15 USC 1601. They are now criminally and civilly liable. I have mailed attached documents to XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that the creditors have included incorrect information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus should report only 100 % accurate credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Amsher collections made a derogatory remark on my credit report on a debt that is completely false. These are predators who attempt to collect false debts and they make false remarks when they can not collect on these fake debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
To whom this my concern, On XX/XX/XXXX I sent a payment to my bank few days later I sent the rest of it it went out of my bank 2 weeks later the money was returned for no reason. So the payment was late. So why was put on my credit report that I paid late. No one call me that there is a issue or what's the problem tried call the bank could not get to them. 
Please help me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting a payment status of " 30 days late '' on a current, paid in full, closed account. Also reporting a 90 day late from 2018. This is a violation of fcra. 
XXXX & Equifax are also reporting outdated payment history on a paid in full closed account from 2018.

Company response to consumer: Closed with explanation