vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
Hi, I have sent a money transfer on XX/XX/XXXX in amount of {$5000.00} ( plus fees ) using my XXXX  XXXX XXXX checking bank account. Receiver wasn't able to pick up the funds within 3 months, so according to MoneyGram policies refund request should have been filed. I filed refund request by calling customer support on XX/XX/XXXX, they asked me to wait for a week to get my funds back to my bank account. However, since then, I didn't receive any refund. I keep calling them every week, they ask me to wait another week, and then another week, and then another week. It has been 5 weeks already. And they don't say what is wrong, they just keep delaying my refund. And it feels like they are going to delay refund forever. I'd like kindly ask you to assist me to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by 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 non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
this debt was not mine victim of identity theft i want it removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have multiple fraudulent accounts, Names, addresses and phone numbers on my credit report I disputed them and the CRA removed what they wanted too not what I reported to them and then they never responded to me with how they verified or with what info they used. So I filed a Identity Theft report with the Identitytheft.gov I was going to file with local police but they told me because I did not know who the crime was committed by that they cant take a report. So I filled out a affidavit and had that notarized and sent everything to Equifax via certified mail with return receipt. They in turn just sent me a letter via internet telling me that they verified the debt as accurate with no investigation steps taken to verify the debt. This took over 45 days and they are playing games by investigating accounts that i did not dispute. They have also allowed companies to view and receive my credit reports and private information that i never authorized multiple times. I am a XXXX / XXXX XXXX XXXXXXXX who has been homeless for the last XXXX years and currently living in a shelter because of the fraudulent accounts that Equifax lists on my credit report are preventing me from acquiring adequate housing for me and my XXXX old son. I am seeking legal council and representation through the VA free of charge to file lawsuits against Equifax for the illegal business practices and the monumental damage they have caused me both mental health wise and financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
The inaccurate reporting constitutes a violation of the FCRA, particularly : XXXX. 15 USC 1681e : Accuracy of Information : The FCRA mandates that consumer reporting agencies ensure maximum possible accuracy of the information contained in consumers credit reports. The inaccuracies present in my report directly contravene this agreement. 
XXXX15 USC 1681i : Duties of Furnishers of Information to Consumer Reporting Agencies : This section holds furnishers of information responsible for providing accurate data to consumer reporting agencies. any failure on their part to do so is a direct violation of FCRA.

XXXX.15 USC 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX. 15 USC 1681 Section 602 States I have the right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
Follow up on previous complaint XXXX. TD Bank/TD XXXX XXXX XXXX XXXX XXXX response to my complaint. They claim they sent a one-time verification code, a blatant lie. I never received any such thing. They must provide indisputable proof if they sent a code, otherwise they need to close the account. 

-- -original complaint XXXX -- - On XXXX XXXXXX/XX/year>, I went into the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to purchase an engagement ring for my girlfriend. Initially, I wanted to finance and purchase the ring on credit. XXXX XXXX doesnt offer in-house financing, instead, they partner with TD Retail Card Services to handle the financing. The XXXX XXXX store representative provided me with a link to TDs credit line application. After completing the application and supplying all of the necessary information, I was immediately approved for a {$14000.00} credit line. I was escorted to the XXXX XXXX business office to complete my transaction. The business office employee, XXXX, stated that she had to call TD Retail Card Services to make sure everything was set on their end. At some point during the phone call, XXXX handed me the phone and said that the TD representative wanted to speak with me. The agent verified that my application wasnt declined, but further processing was suspended due to missing or incomplete information and they were unable to verify my identity. When I asked the representative for specifics about the missing information, she declined to tell me. She also refused to send a two-factor verification link to my phone or email. I ended up making a temporary layaway arrangement with the jewelry store until I could get all of the financial details sorted out. I later spoke to XXXX other TD agents and was given the same answer, Were not able to further process your application at this time. We will be sending you a letter in the mail, until you receive that, we cant provide you with further details. 

On XXXX XX/XX/year>, I received TDs letter in the mail. The wording was rather vague and stated that processing was suspended due to a potentially suspicious transaction. I reached out to TD once more in an attempt to get the issue resolved. I asked the representative What information do you need from me that will assist you in validating my information? Much like the other representatives that I had spoken to up until this point, his answers were very evasive and vague. He was also quite rude much like the other TD reps I had dealt with. Frustrated and realizing that I was getting nowhere with TD, I mailed a dispute letter demanding that they close my account and remove any hard inquiries from my credit reports. I have also filed disputes with all XXXX credit bureaus. My purchase through XXXX XXXX has been completed by other means and I now have possession of the engagement ring.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
XXXX XXXX XXXX been reporting to the credit bureau XXXX for months incorrect information which had me Disputing payment paid in full... l was informed to submit additional information help me. With Ongoing disputes ... il requested from XXXX such as the account paid dates reported on the Same documents instead accounts didn't have No name etc .XXXX XXXX been reporting what they felt ..I owe on account. which was paid full l don't owe. The account was XXXX. I received letter XXXX XXXX XXXX below Appolige for inconvenience XX/XX/2024 they have caused for the attached letters below

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

national credit systems # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank offered a {$500.00} reward for depositing {$10000.00} in a new checking account and leaving it there for 60 days. 
XX/XX/XXXX - I opened an account and deposited {$10000.00} XX/XX/XXXX - they added an " Analysis Service Charge '' of {$6.00}, for no apparent reason XX/XX/XXXX - they added the {$500.00} reward XX/XX/XXXX - I electronically transferred out the total amount - they transferred {$10000.00} out to my receiving bank account XX/XX/XXXX - they added an " Analysis Service Charge '' of {$6.00}, backdated to XX/XX/XXXX - they added an " Overdraft Paid Fee '' of {$36.00}, although they had not paid an overdraft, since they had deducted their XX/XX/XXXX {$6.00} charge from the amount transferred out. They falsely listed the account value at- {$42.00}, even though it was {$0.00} before their false Overdraft Fee. 
XX/XX/XXXX - I called and asked to close the account. 
- they refused, claiming it was over drawn. 
- I said it was not overdrawn and I would not pay their bogus fee. 
- they replied that the account would be closed anyway on XX/XX/XXXX and they would write off the fee as a bad debt. 
XX/XX/XXXX - I called and verified that the account was closed. I thought it was resolved. 
XX/XX/XXXX - their collection service, now claimed that I owe {$78.00} in unpaid fees XX/XX/XXXX - I called, claimed that their fees were bogus and i would not pay them XX/XX/XXXX - I called and filed a complaint with the U.S. Bank 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 monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed the account with XXXX on XXXX or XXXX occassions. The information came back verified but updated. The information on my credit report is still incorrect. The account is reading ccount charged off. {$14000.00} written off. {$4500.00} past due as of XX/XX/2024. I was never notified the account was ever in collections, or that they were charging it off. When I contacted XXXX I was told the past due was only XXXX and that I can make the payment in the month of XXXX. I disputed the information, but XXXX keeps reporting this incorrect past due amount.

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 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
In or around XX/XX/2024, Robinhood Financial LLC ( " Robinhood '' ) abruptly closed my spending/checking account without providing an explanation. This unexpected restriction on my debit card and account closure resulted in financial penalties and incurred additional fees, due to my inability to withdraw funds, transfer money to other banking institutions, or pay bills. As a long-time and active user of Robinhood 's services, I would love to continue using their platform and request an explanation for the account closure and the opportunity to appeal this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CO

Complaint narrative:
Without warning or notice whatsoever all Banking and cash transactions to include Bill pays and ATM withdrawals wire transfers Etc were terminated and have no access to any funds in my account again with no clear defined day as to when this problem would be fixed or rectified. Company refuses to take accountability as a place all the blame on the banking provider of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
For the last XXXX years I've been disputing this with XXXX, XXXX XXXX. about Capital one accounts, also once again under 605B it is illegal to report information on my credit report., without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Fraudulent checking accounts opened in my name with TD Bank. Accounts were closed upon my discovering the accounts due to a mailed notification. Local law enforcement complaint was filed where law enforcement stated to me that information was not sufficient for prosecution. 

TD Bank recommended that I purchase XXXX XXXX. The form of identity theft that was propagated does not involve credit reports for Banks that do not exercise due diligence under the XXXX XXXX. 

TD Bank has an online account opening process that is a danger to citizens of the XXXX in propagating Identity Theft activities. 

The harm that I have been predisposed to is not measurable except that TD Bank be required to reveal all details of how XXXX Checking accounts were opened in my name along with the forms of identification that were used to open the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Credit inquiries I didn't make on my credit report. I have no knowledge of them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
MONTEREY FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX They got me joined with a woman called XXXX XXXX i didn't signed nor aproved to be joined in her debt. I'm single, not married, not with her don't aproved to be in this debt its not mine and im not supposed to be part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, this above-mentioned collection agency violated the Fair Debt Collection XXXX XXXX. XXXX XXXX ; XXXX XXXX. XXXX, codified as 15 U.S.C. 1692 1692p, by placing a negative item on my credit report without following the rules. These are stated below : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally XXXX  days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally XXXX  days ) for a notice that the message wasnt delivered I was never contacted via mail, phone, or email to be given a chance to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I had an account with XXXX XXXX. The account was closed and has a XXXX balance. Its reported on my chexsystems as closed paid in full. I requested that they removed the negative entry but they did not. the FCRA mandates that consumer reporting agencies like ChexSystems maintain only complete and accurate information in consumer 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 2024-05-19 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
After reviewing my consumer reports, I discovered a late payment on my account for which I have never missed a payment. Consumer reporting agencies play a crucial role in accurately reporting consumer information. I have enclosed a screenshot of the account in question, dated XX/XX/2023, to illustrate my claim. 

I request a thorough investigation into this late payment and ask for proof that they were indeed late. If no evidence can be provided, I demand that this payment be updated to reflect that it was paid as agreed and on time, as I have never been late with my payments. 

Thank you for your attention to this matter. Please find the attached screenshots for 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