vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I keep paying my credit card balance and they take my money from my bank but then they don't apply it to the available balance. My current balance will say zero but they wont let me use the card because they put my card on hold for 15 days after the payment goes through. I'd pay with my bank account. I've never been late. According to one of the phone calls I made in XX/XX/2021, the Target representative said that I'd made to many payments ( I believe it was 4 or 5 ) in XX/XX/2021. I thought this was strange as all 4 payments had come from my checking account and cleared with no problem. Before the first phone call, the first thing I did to try and messaging to resolve my payment and updating my available balance issues. The first interaction with Target reps I inquired why my current balance was adjusted properly but my available balance still showed no change after paying and verifying with my bank that the funds had been removed from my account. The next two billing cycles XXXX and XXXX I tried messaging them to resolve the same issue no available balance after having paid them and funds being removed from my account. They refused to update my available balance and were no specific in why. I believe the first time I tried to call was in XX/XX/2021. I tried calling and speaking in person with a rep and was told several non specific reasons why my available balance wasn't adjusted after I'd made payment, but was unable to resolve the issue. I tried calling again in XXXX and they said I'd made too many payments in one billing cycle back in XXXX, so I started making one large payment, paying in full the balance on each subsequent billing cycle but they still didn't apply my payment each time and refused to do so when I called or inquired why. Finally, in XXXX and months after I'd made to many payments they told me my account was on hold for suspected fraudulent payments. I asked for the policy that supports such actions against my account and they said they did not have it in writing that it was a discretionary security protocol decision made by a supervisor. I've never bounced a check, cancelled a payment to them. It comes from my bank account the same way every time. They've done this to me know for four billing cycles in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
After requesting my bank account be closed by Merrill Lync over a year ago. As todays date XX/XX/2021 my bank account is still opened and I was never closed nor did they mailed the remaining of {$3900.00}. I have no access to this account as I was informed it was in the closing phase. With everything happing last year life has been overwhelming with getting XXXX, losing my aunt to XXXX losing my job, I simply forgot about my bank account. I contacted Merrill Lynch on XX/XX/2021 and informed them I want my account immidely closed and I want my balance forwarded to me. I check this morning and the account is still open. I'm very concerned because I'm not sure what Merrill Lync is doing with my account like XXXX XXXX XXXX did to its customers. This situation is causing me a great deal of stress and XXXX. I feel there's nothing I can do and I'm out of options. Please help me with getting my account closed and getting the remaining balance from my account This should be illegal and Merrill Lync should fined.

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TX

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: Westlake Services, LLC
State: MA

Complaint narrative:
I've been trying to get the West Lake Financial Services to remove all the information they are reporting to XXXX  regarding a wrong information since XX/XX/XXXX without any response. I sent several certified letters to them and have not get any answers. I disputed it thought XXXX  and the answer that i got was that West Lake never provide any info and they cant do anything until West Lake provide that info. 
I am hopeless this will never get fix because the credit department never replay the email and phone calls that I've made. 
This is the company info : West Lake Financial Services Account XXXX Date XXXX StatusOpen. 


They are reporting this to my credit but i dont have an account with them. 
My SS # last four is : XXXX XXXX XX/XX/XXXX. 

Please i need them to take this off my credit report, i am in process of purchase a home and it is making difficult to get approved. 

Thanks, 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 2021-05-10 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: NC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TX

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 stress 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 2021-05-10 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

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 2021-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: NJ

Complaint narrative:
XX/XX/2021Balance : {$7700.00} Discounted amount : {$1100.00} Payment due by : XXXX Account # XXXX Company claims I will be getting sued. This isnt even on my credit report. Ive disputed this off of my credit report and it came off years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have an unverified accounts on my credit reports. I I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX 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 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: C.Tech Collections, Inc.
State: NY

Complaint narrative:
Very bad comoant they are liars very bad first they lie and say they do no credit reporting their in house then I find out today they are hurting my credir score killing it with their account this is nit fair I called and they act like they dont know what Im talking about and claim they do report ans it wont be removed thjs is the first time an agency is telling me this so even after paying them they refuse to send a pay delete letter for this to be removed Im not paying them a dime until they do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: AL

Complaint narrative:
I have an unverified accounts on my credit reports. I I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX 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 2021-05-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have an unverified accounts on my credit reports. I I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had been seeking to find a emotional dog for companionship, I looked into XXXX searching I came upon what I thought was a legitimate organization on XXXX called XXXX.I reached out the them and received a response on XX/XX/2021 I told them the puppy I saw on their page and asked if it was available I was told yes, so the guy told me how they transport their puppies and the fees he stated that shots were updated and everything is taken care of he said the fee is {$380.00}. I said ok thinking that was a good fee for the puppy a Frenchbulldog.The guy said they were located in California. So at around XXXX that same day I logined into my Chase Bank app and sent the {$380.00} through XXXX which I thought was a safe way to send the first funds. Only to find out I was scammed.Not to mention my bank which is linked to XXXX refused to help they stated they could not help me because I sent the funds on my own, And so I called XXXX and gave them the names of the person the owns the account with them I was told they could only report them but could not refund my money back.my bank just sent out a generated letter that they send to victims of these scams and its wording suggests I agreed with them, But I had not even had a chance to speak with anyone about it only put in the complaint then the generated letter came.Thank you for taking the time out of your busy schedule to help me. Warm Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian and XXXX  should not be reporting a collection/chargeoff on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) XXXX  XXXX agreed to a pay-to-delete which they have not honored. I paid this account and was told by the representative with XXXX XXXX that once this account was paid that they would remove the negative item showing on my credit report. This deletion has not been completed and I request this item be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX multiple times to fix this however, I have not been successful.

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 2021-05-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
My employer had filed partial unemployment for me from XXXX of XXXX without notifiying me. I had no idea until receiving a XXXX at the end of XX/XX/XXXX saying I had been given benefits. I immediately filed it as fraud until figuring out through my state Department of Labor that my employer had filed. At this point I had contacted my employer and no one could tell me what had happened or even confirm they had filed it. The state department said they were investigating fraud so I waited for them to set up their new fraud reporting portal and filed a complaint. I waited for them to send me a new XXXX hopefully updated but it never came. As time went on, a friend of mine said they had the same thing happen and that a prepaid card wasn't sent out like it should have been. They told me to call the State Department, Way2Go  XXXX XXXX XXXX and try to get one sent to me. I tried the State but most of the lines were disconnected and the one that wasn't kept ending my call after waiting for a few minutes. Way2Go ( XXXX XXXX was fully automated and would not work without already having a card number or confirming my SSN/Date of Birth/Pin, which never worked even after ensuring my ID.me account was connected to my State account. After all of this, my State Department sends me a notice that I elected for a prepaid card ( which I did when confirming my ID.me account ) but Way2Go ( XXXX XXXX never sent me one within the 7-10 days they say it takes. It's been over a year and I've never had access to these supposed UI benefits, can't contact anyone about it, and still am not fully convinced it's not fraud. I've already filed my taxes without the XXXX because the XXXX said if it is fraud to just file it as {$0.00} and let the XXXX and Federal government figure it out. As tax day approaches, I just don't know if there's anything else I can do anymore. I just want to either have the XXXX confirmed as fraud and fixed to {$0.00} like they said they would, or somehow get access to my benefits.

Company response to consumer: Closed with explanation