vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was charged an unexpected XXXX $ fee due to TD Bank 's misleading. 

On XX/XX/XXXX, Monday, I called TD bank to see how can I pay my college tuition to a XXXX university ( University XXXX XXXX ) with my American bank account. The amount is XXXX $ and an additional 1.75 % convenience fee which was XXXX $ ( in total XXXX $ ). 
Meanwhile, I also had the bank wire transfer information on my hand and asked if I could do a bank wire transfer online considering the pandemic. 

I was suggested that No you have to do bank wire transfer in person and bank wire transfer would cause a fee ( XXXX $ ) and you would want to do it with your card to avoid this fee. Thus, I used the debit card and paid this fee online. During my previous calls with TD bank ( on XX/XX/XXXX and XXXX ), I also inquired if there would be other fees despite the tuition and the convenience fee. All customer service staff I talked to were not aware of the international transaction fee. 

However, after a few days, I found I was charged XXXX $ and XXXX $ international transaction fee by TD BANK. I was misled to pay XXXX $ to avoid the XXXX $ wire transfer fee. I felt shocked and called TD bank immediately and illustrated my situation to the customer service staff. He contacted his supervisor. they just kept saying sorry for my loss and they would educate their employee and asked when did I call. However, they told me they didnt have the authorization to refund these two international transaction fees. 

On XX/XX/XXXX, I went to the local branch of TD BANK ( XXXX XXXX XXXX, XXXX, MAXXXX ) and made a complaint about this issue. The local assistant managers XXXX and XXXX were responsive and told me they would have to ask their supervisor and gave me feedback on the next day around XXXX. They were not familiar with this fee, neither. 

On XX/XX/XXXX, I didnt receive any call thus I called the bank. XXXX told me they would need to do an investigation and asked when did I call. I replied. However, I didnt receive any call after that. I called on XX/XX/XXXX and XXXX and be told it was still under an investigation. 

On XX/XX/XXXX, I found I was charged a XXXX $ maintenance fee because I failed to keep a minimum daily balance ( and it was because I was charged the international fees ). 

Now, it has been another whole week but I still did not hear anything from TD Bank. 

Thus, I would want to ask help from you to see if you can contact somebody in the bank who would have the authorization to compensate for my loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
I had a old debt that I was unaware about. Not on my credit report or any communication by mail. Not until my employer told me in XXXX I had a wage garnishment. I had to pay {$100.00} a week begining roughly XX/XX/2020 to XX/XX/2020, when it was fully paid and settled. Than in XXXX, I get notice my state taxes are being held for a wage garnishment from this same debt with Stenger & Stenger law. I immediately contacted the state, they needed proof it was paid. I sent them everything but since I didn't  have the official court copy showing the judgement was paid in full they couldn't release it. I contacted the law office by phone & email as well requesting this. The XXXX district court even tried contacting them as well. Weeks turned into months & the state income withholding unit sent my money to the law office. I paid this debt twice. I've been extremely patient with them. I struggled to provide for my family for almost 3 months paying this back through a wage garnishment. I waited for my state income tax return that was held for months. Than they send my tax return to pay again for this debt. Another 3 months of trying to contact the lawyer with no calls or emails back. This law office got my money twice for 1 debt. I deserve to have my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I spoke with XXXX in Virgina ID # XXXX who stated she was a supervisor for Quicksilver Capital One Card, that I was not allowed to escalate the call any further and that she could not give me the name or the employee # of the supervisor who told her she was not allowed to due a 1 time credit adjustment for the amount of around {$48.00}. I received a 0 % interest on this card over 12-16 months ago. She admitted we were on a recorded line, that I had made every payment on time and that I made over my minimum payments each time. She also admitted that other than in the terms and conditions originally sent out with the credit card over a year ago there was no heads up on the statement that 0 % interest was ending in XXXX. I asked her if she would do a one time reversal of the accrued interest and I would pay the card off next month, she refused. I told her every other credit card I've ever had gave you notice on your statement of when the 0 % interest was expiring she admitted again that they only do it in the beginning. I thought it was terrible customer svc that in the last 12-16 months I made over the minimum payment amount there was no warning of exp and they refused to give me a one time credit, not to mention I also am owed {$9.00} in credit rewards. I thought by law they had to notify you when 0 % was expiring on your statements just like every other credit card. It just seemed like under the circumstances the customer service was terrible and unnecessary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Called the " three '' credit reporting agencies and have reported to them my most up to date information and they continue to have multiple addresses that I have no relation with on my credit report and weird invalid phone numbers! 

I have spoken to a human from all " Three '' and have received robotic irrelevant responses thus far from the credit report agencies via USPS..

When it comes to my credit ; a human should be working and hopefully my letter ( s ) haven't been thrown thru a automated machine.. Things have been validated when things are absolutely invalid and wrong/incorrect ... 

When I have disputed Hard Credit Inquiries I have received letters explaining what they are and not upholding my rights and actually investigating the inquires. I'm tempting to sue the " Big Three '' for I feel I'm not being taken seriously as a consumer and VERY unhappy with them not following the RULES and the LAW!

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 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Called the " three '' credit reporting agencies and have reported to them my most up to date information and they continue to have multiple addresses that I have no relation with on my credit report and weird invalid phone numbers!

I have spoken to a human from all " Three '' and have received robotic irrelevant responses thus far from the credit report agencies via USPS..

When it comes to my credit ; a human should be working and hopefully my letter ( s ) haven't been thrown thru a automated machine.. Things have been validated when things are absolutely invalid and wrong/incorrect ...

When I have disputed Hard Credit Inquiries I have received letters explaining what they are and not upholding my rights and actually investigating the inquires. I'm tempting to sue the " Big Three '' for I feel I'm not being taken seriously as a consumer and VERY unhappy with them not following the RULES and the LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Revenue, Inc.
State: NJ

Complaint narrative:
I received a notification that there was a collection account being added to my credit report. This account I am not aware of. I have filled out an FTC Affidavit and a police report attached. The account needs to be removed from all three credit reports and closed a s identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: NJ

Complaint narrative:
I have been trying for well over a year maybe to get 4 credit accounts off of my credit report. The items are XXXX XXXX Account # XXXX {$8300.00}, XXXXXXXX XXXX  Account # XXXX for {$8600.00}, XXXXXXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX. I am unable to dispute online or with customer service representatives as my credit report is said to be handled by a special department and its hard to get in contact with them due to work schedule. But I have mailed in my FTC Affidavits and police reports and Equifax still doesn't remove the items. Disputing as fraudulent and these need to be removed as it is causing me financial harm right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I received a phone call from a collection agency regarding a cell phone bill from XXXX XXXX XXXX XXXX. I have been disputing this bill for about 4-5 years now This isn't my bill and I have previously furnished a FTC Affidavit and police report and I am now sending the same information again. Please stop collecting on this this isn't my bill please close the account and remove from all 3 credit bureaus. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
My account was terminated and now I can't get my account to cash out. The original debit card that was used in the setup of the account was stolen and Cashapp will not allow me to link any other card with the account to let me cash out. I have over {$400.00} that I need but have no way to access it. I have asked them repeatedly to fix the problem and the only response I get is to go to their website and send in a question which has been done multiple times. I really need to know how to resolve this issue so I can get my money and be done with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Razor Capital, LLC
State: MI

Complaint narrative:
I had a old debt that I was unaware about. Not on my credit report or any communication by mail. Not until my employer told me in XXXX I had a wage garnishment. I had to pay {$100.00} a week begining roughly XX/XX/2020 to XX/XX/2020, when it was fully paid and settled. Than in XXXX, I get notice my state taxes are being held for a wage garnishment from this same debt with XXXX XXXX XXXX law. I immediately contacted the state, they needed proof it was paid. I sent them everything but since I didn't have the official court copy showing the judgement was paid in full they couldn't release it. I contacted the law office by phone & email as well requesting this. The XXXX district court even tried contacting them as well. Weeks turned into months & the state income withholding unit sent my money to the law office. I paid this debt twice. I've been extremely patient with them. I struggled to provide for my family for almost 3 months paying this back through a wage garnishment. I waited for my state income tax return that was held for months. Than they send my tax return to pay again for this debt. Another 3 months of trying to contact the lawyer with no calls or emails back. This law office got my money twice for 1 debt. I deserve to have my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I've have been in contact with Wells Fargo since XX/XX/XXXX as to why my Mortgage is is listed as closed at all 3 credit bureau. I've been told repeatedly by Wells Fargo representative they're updating ... My account was closed or removed from all credit agencies since XX/XX/XXXX. I've gone to the a local branch office to address my situation and once again, was told in the situation will be corrected. This has been going on since XXXX of XXXX ... I recontacted WellsFargo and was told my account will be finalized/added to all reporting agencies the first or second week in XXXX. I'm at my wits end and reaching out to you for assistance. Please note, I am trying to rebuild my credit but clearly Wells Fargo is not helping me in this endeavor. 

Thank you! 
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 2020-09-13 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 credit has 2 mortgages reporting XXXX XXXX XXXX XXXX sold to XXXX XXXX, XXXX was settled in XX/XX/2020 Please have Experian updated as they refuse

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 2020-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've have been in contact with XXXX XXXX since XX/XX/XXXX as to why my Mortgage is is listed as closed at all 3 credit bureau. I've been told repeatedly by XXXX XXXX representative they're updating ... My account was closed or removed from all credit agencies since XX/XX/XXXX. I've gone to the a local branch office to address my situation and once again, was told in the situation will be corrected. This has been going on since XXXX of XXXX ... I recontacted XXXX and was told my account will be finalized/added to all reporting agencies the first or second week in XXXX. I'm at my wits end and reaching out to you for assistance. Please note, I am trying to rebuild my credit but clearly XXXX XXXX is not helping me in this endeavor. 

Thank you! 
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 2020-09-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am having a tough time with Bank of America prepaid Edd card. I paid for something with the card that I saw on XXXX that cost {$170.00} which was a projector with the screen. I noticed almost immediately something was fishy with the company at because when I made the purchase and then was emailed the receipt it had a different company name on there. There was no phone number for the business and I immediately emailed my concerns. After sending several emails and waiting a couple weeks with no response other than your product is on the way I then sent several emails for a refund to no response. I emailed their XXXX page demanding a refund and still no response. So then I called Bank of America and told them what was going on and filed a claim. I was given a provisional credit in XXXX I believe. To this day I still never heard from that company or received what I ordered but today I noticed that Bank of America took the {$170.00} back out of my account. When I called they told me the claims department is closed and there is no supervisor to speak to because they are working from Home. Thats truly pathetic. Not to mention she couldnt give me any information as to why this money was taken back from me. I NEVER RECEIVED ANYTHING FROM THaT COMPANY. I tried to go on there supposed website today and its all fraudulent. Site is not working and says domain name is not purchased. So why in the XXXX am I out of {$170.00} on a fraudulent company that scammed me and now Bank of America is supporting that scam by taking my money. I thought they were FDIC insures for things like this. I dont have money like that to throw away. Im collecting unemployment for Christ sakes.

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 2020-09-13 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 credit has 2 mortgages reporting XXXX AND XXXX XXXX sold to XXXX XXXX, XXXX was settled in XX/XX/2020 Please have Experian updated as they refuse

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 2020-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I go to log on to the Trans Union site for a credit freeze it refuses to except my current username and password even though I am 100 % sure I have entered it correctly. Also, after answering several security challenges questions correctly, Trans Union locked my account and requests that I mail them a photocopy of my drivers license, utility bill and social security card. I do not have a social security card, so my account has been frozen by Trans Union permanently in error. 

I believe this is a blatant attempt by Trans Union to force a consumer to pay to have their account unlocked or lift a freeze by purposely and falsely not recognize someones correct username and password or security questions. 

I have written to my congressmen to hold hearing into these tactics taken by the 3 credit bureaus which a falsely locking consumers accounts so that they have to pay for one of their security programs. Hopefully, they can prevent this type of consumer abuse in the future.

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 2020-09-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Hanna Holdings Inc
State: VA

Complaint narrative:
I submitted an application for a rental property in XXXX, VA and was denied for " Lack of sufficient relevant real estate account information ''. Attached to my application was a statement showing where I paid a mortgage to XXXX XXXX XXXX XXXX. The rental application further indicated that XXXX continue to pay taxes on the property known as XXXX XXXX XXXX XXXX, VA XXXX ; refuting that there is a lack of relevant real estate account ( s ) if properly researched by XXXX XXXX beyond a credit report and based on the information and attached documents on rental application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
Just got my statement for a debit card of mine TODAY AND NOTIFIED TWO FRAUDULENT TRANSACTION ON MY CARD : XXXX ONLINE XXXX XXXX TX XXXX XX/XX/2020 XXXX FIRST NATIONAL BANK OMAHA XXXX NY XXXX XX/XX/2020 XXXX I DID NOT MAKE ANY OF THESE TRANSACTIONS AND I DID NOT RECEIVE ANYTHING FROM XXXX-XXXX OR THE FIRST NATIONAL BANK. OF OMAHA - I want my money back. I WANT MY XXXX RETURNED FROM XXXX ONLINE XXXX XXXX TX AND I WANT MY XXXX RETURNED FROM FIRST NATIONAL BANK OMAHA ( A SUBSIDIARY OF THE NOTORIOUSLY FRAUDULENT XXXX XXXX ). HOW EXACTLY AND WHEN EXACTLY WILL I GET MY XXXX FROM XXXX XXXX XXXX TX AND HOW EXACTLY AND WHEN EXACTLY WILL I GET MY XXXX FROM THE FIRST NATIONAL BANK OMAHA? 

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 2020-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I go to log on to the Experian site for a credit freeze it refuses to except my current username and password even though I am 100 % sure I have entered it correctly. Also, after answering several security challenges questions correctly, XXXX XXXX locked my account and requests that I mail them a photocopy of my drivers license, utility bill and social security card. I do not have a social security card, so my account has been frozen by Experian permanently in error. 
I believe this is a blatant attempt by Experian to force a consumer to pay to have their account unlocked or lift a freeze by purposely and falsely not recognize someones correct username and password or security questions. 
I have written to my congressmen to hold hearing into these tactics taken by the 3 credit bureaus which are falsely locking consumers accounts so that they have to pay for one of their security programs. Hopefully, they can prevent this type of consumer abuse in the future.

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