vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
In XXXX of XXXX I filed chapter XXXX bankruptcy I have an auto loan with TD bank I did not list them, As a creditor in my petition I reaffirmed the debt, and continue to make payments of {$530.00} As agreed. 
In XX/XX/XXXX due to covid virus I requested forbearance agreement TD bank stated that they could not communicate with me on account of my Bankruptcy status they also stated that I would not have to make any payments for 60 days something about a cooling off period. between XXXX and XXXX of XXXX I contacted TD bank to find about my auto loan and was told that they could not communicate with me. 
I have tried to honor my obligations with this company, calling repeatedly to speak with an account manager to no avail. 
I have made all of my payments plus late fees the company accessed on my account. 
I have paid up until XX/XX/XXXX I make a payment of {$800.00} in XX/XX/XXXX and another payment in XXXX of XXXX of {$300.00} I owe one payment for XX/XX/XXXX Every monday this company calls my home at XXXX making threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Hi, I opened an account online and made a deposit of {$50000.00} my intention was to wire transfer to myself that money. I was doing it through Chase bank because my current bank ( XXXX XXXX ) doesnt have international wire transfers. After the funds were successfully transferred I made a wire transfer of {$25000.00}. The transfer was cancelled and my online account was blocked so I called to validate my info and unblock my account. After the account was accessible again I called again to ask if was all ok so could make the wire transfer, the agent told me I could so I did but the transfer was cancelled again and my online access blocked again. I called again but this time I had problems and the agent told me I had to go to a branch and I had to explain I was not in USA and because of COVID-19 I  couldnt travel from XXXX to US. I opened a previous complaint and the company responded saying I had to call and authenticate my self so the funds could be released to me. I called customer service and they asked me my phone number so they could send a text to verify, I gave my registered number but they said it was not correct. I told them that was my number and I had an email with the confirmation of that number being activated, I even told the agent I can send a text to XXXX and get information about the account and the agent told me she cant see that and doesnt believe I had access to the account using my number so they said again I have no option but to go to a branch. So even though I gave my SSN, full name, address and date of birth they said they couldnt validate was me because of the phone number. I called a couple of more times and they didnt care about the travel restrictions and all told me I had to wait whatever time to go to a branch. Now the travel restrictions are extended until the end of XXXX and the bank is refusing to return my money. Why the bank didnt block the account when I made the deposit? Why they blocked my account after I made valid transactions allowed by the system? And why after validate my identity several times and requested verification codes several times they still refuse to give my money back? The bank has been unable to explain what was the security risk, the response was that they can block the account unilaterally just because they can. Im attaching the email as proof that my number was activated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
I received a copy of my credit report and found inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I received a copy of my credit report and found inaccurate information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-19 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-19 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Credit Card information is reporting on my credit inaccurately which is hindering me from getting approved for a new credit.

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 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
AGAIN -!! 
These CROOKS are not even BOTHERING to read my posts here, let alone look at the attachements - CFPB is gutless and useless - I have not posted this to several other Government watchdog sites, that have BITE. 

I have sent in MY DOCUMENTATION - Here is your Lame excuse for a response : " XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Discover Bank XXXX XXXX account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX and XXXX - - After an additional review of all information previously provided and your recent correspondence, our position remains unchanged as no new information has been provided. Please note, that we also indicated to you previously that without the presentation of new information that has yet to be considered, we may not respond to future correspondence regarding this matter. As you did not provide any new information within the email correspondence previously sent to the Executive Offices of Discover Bank, as indicated within our prior response to you, we did not respond regarding this matter. Please note that the documentation you continue to provide is not sufficient for our identity verification process. We need documentation to validate your social security number, such as a copy of the front of your social security card. Also, please provide us with a new copy of the back of your drivers license. '' ARE YOU KIDDING ME... I HAVE SUBMITTED MY XXXX WITH EVERY COMPLAINT HERE ... MY SOCIAL SECURITY CARD IS BEING SENT - WHICH IS WHY I HAVE SENT MY TAX RETURN - THAT IS XXXXL - PLUS THE XXXX XXXX PAGE SHOWS THAT I WAS TO HAVE RECEIVED THAT AMOUNT FROM IRS FOR REFUND - SO THERE IS NO EXCUSE!!! IF AND ONLY IF, I SENT YOU MY CARD - I WILL BE REDACTING ALL BUT THE LAST 4 DIGITS ... I DON'T TRUST YOU. 

AS FOR NOT RESPONDING TO YOUR EMAILS - WHAT IS WRONG WITH YOU? I HAVE/HAD BEEN SENDING NUMEROUS EMAILS - NEVER GOT A RESPONSE!!! WHAT IS YOUR EXCUSE FOR THE COPIES THAT I HAVE ATTACHED HERE??? YOU KNOW YOU ARE GETTING THEM - YOU KNOW YOU HAVE GOTTEN MORE THAN ENOUGH DOCUMENTATION TO RELEASE MY ACCOUNT ... YOU ARE IN THE WRONG AND IT HAS BEEN OVER 7 MONTHS! 

I AM DONE PLAYING GAMES - THIS AND ALL THE OTHER CORRESPONDANCE BETWEEN US HERE AND ALL OTHER MEANS, HAS BEEN FORWARDED, AND YOU WILL BE HELD FULLY LIABLE. 

HOW DARE YOU ... YOU ARE LYING, MISDIRECTING, EMBEZZLING AND CONTINUE TO " MISAPPROPRIATE '' MY FUNDS - NOT YOURS ...!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: OH

Complaint narrative:
My social security number was ran without my consent. I did not apply for a auto loan as i do not drive or even have a license. Please remove inquiry 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 2020-08-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My social security number was ran without my consent. I did not apply for a auto loan as i do not drive or even have a license. Please remove inquiry from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R&R Professional Recovery, Inc.
State: MD

Complaint narrative:
I recently obtained a copy of my credit report and found inaccurate 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 2020-08-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On or about XXXX, XXXX, I pulled my credit report, going over, I found out multiple accounts that did not belong to me, knowing this I started to do my own research to know how to remove the accounts that did not belong to me. on XX/XX/XXXX, I started disputing the incorrect information using different types of letters. After been disputing wrong information on my credit report for about a year, the accounts that were not mine were removed from my credit report, but, no too long ago I received a collection letter from XXXX XXXX XXXX trying to collect on Behalf of XXXX, XXXX of the accounts that were included on my identity theft package, after disputing the account via CFPB, they removed the account, unfortunately, just a few days ago, after checking my credit report, I found out that a new collection ( XXXX  XXXX XXXX came up collecting on the same account. 

Attached is my Affidavit of Identity theft package for your reference.

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 2020-08-19 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: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
I have disputed an error on my report and it was removed in XXXX. It was removed because it failed to be validated by the collections agency. XXXX  reinserted it again today without any prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: NC

Complaint narrative:
I submitted a formal dispute on an error being reported on my credit report on XX/XX/2020. I provided Equifax with proof of payment from the creditor XXXX XXXX XXXX with a payment confirmation. On XX/XX/2020 Equifax reported that the dispute was investigated and the incorrect damaging information was not removed from my account. Equifax dispute confirmation number is XXXX. I feel that Equifax failed to investigate the dispute and error which has erroneously damaged your financial standing and wish to escalate this matter to the CFPB as a violation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: OH

Complaint narrative:
My social security number was ran without my consent resulting in inquiry on my credit report and file. This is a fraud inquiry and i want it removed.

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 2020-08-19 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
My social security number was ran without my consent resulting in inquiry on my credit report and file. This is a fraud inquiry and i want it removed.

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 2020-08-19 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed a dispute inregards to the incorrect and unverifiable items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
My pandemic check went into bank on XX/XX/2020 and I was in the hospital when I called to check my checking balance it was all there. I then went to withdraw money and my account balance says its XXXX. I called TD bank to try and sort out the matter and they said my account is locked and nothing they can do even though they are the ones who locked my account. Ive reached out to 3 different branches and all the same thing they cant do nothing to help. So now that Im out of the hospital my fianc just gave birth and my bal is XXXX and cant get anything I need for my newborn they pretty much told me not there problem. I did however call there 1-800 number and got somewhat of an answer the gentleman told me he can see the money trail as it was wired to my routing number and my account number and said I should have been able to acess it right away and Im just a little stuck here

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please review our credit scores for the months of XXXX and XXXX of XXXX, there is a late-payment or non-payment, that was turned in by New Rez LLC, which is not correct .We had a choice to make in XXXX of XXXX, either make up the shortage of {$2800.00} from my XXXX property taxes, which New Rez  paid that month, or pay {$1700.00} per month until XX/XX/XXXX. We chose to pay the shortage for the amount stated. 
The same thing happened in XXXX XXXX, we paid and my payments went back to almost the same amount XXXX {$1200.00} more or less ), that I have been paying since I bought the house in XXXX of XXXX. This year was different with my mortgage after paying the shortage. No reduction in my monthly payments. We have included my payments, from them, which shows that we are telling the truth. I contacted them by e-mail, ( included for you to see ), called approximately 10 times during the 6 months that this was going on, informing them that they can not collect the shortage and charge me the higher payments at the same time. There was no response from them, neither had they say they would look into it and change the payments to reflect the money I had already paid, NOTHING was done. 
Included are all of the statements from XXXX of XXXX to present. My checks for {$1200.00} XXXX cleared their accounts before the XXXX on both XXXX and XXXX, the due date, and the deficit of {$520.00}, was more than paid by the {$2800.00} in XXXX. In fact there was enough money to cover all the months with their inflated payments, from XXXX through XXXX. 
Please note my monthly payment for XXXX, XXXX, look at the monthly payment, and also look at the payment for XXXX. We paid in full the XXXX statement, XXXX, knowing that if we didnt, no matter what we said or wrote, they would turn me in again, and we will pay for XXXX, by continuing with these payments, they will be collecting approx. {$4400.00}, in escrow for a tax bill for XXXX, that has NOT been paid by New Rez  and wont be until XXXX XXXX, and according to the county will be about {$1500.00}, we will receive this before the end of the month, we will have paid in approx. {$7200.00} since XXXX of XXXX until XXXX of XXXX. Please look into this and restore my credit, I have included all the documents for review, and will furnish any other documents that you request. 
We have done nothing wrong, I have sent a certified letter and documents to their XXXX, XXXX. office with an attempt to correct my credit, but so far there has been no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Ive already reported that there was issues due to being a victim of identity theft closing my account with Bank of America. I got a email today about a portfolio. I no longer have the account number that I closed and reported the issue about in XX/XX/2020. There was no unsubscribe button to unsubscribe and have or get the account closed.

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 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Alliance One, Inc.
State: WA

Complaint narrative:
I received a traffic ticket back in XXXX, due to the person who owned the vehicle didn't the renew tabs on car. I didn't pay anything on it until XXXX. The collection agency, Alliance One, sent me a garnishment letter in the mail, 2 years after I made the payment. I told them that I lost my job due to Covid-19, and I was receiving unemployment benefits. They basically ignored what I said, and told me that If i didn't make payments each month, I would lose my license. I also make less then {$470.00} a week while on unemployment. Almost every time I call in to make a payment, I try to tell them that they are outside of their legal rights, and they can't charge me. They refuse to listen to me, and continue to charge me an amount that I can not afford right now.

Company response to consumer: Closed with non-monetary relief