vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
Please call, not enough space for all details. I went inside to make a deposit ; however, due to the tremendous amount of people waiting, I went to the atm inside the lobby. The ATM kept {$1100.00} cash along with my debit card. XXXX XXXX the branch manager XXXX ID # XXXX did absolutely nothing to assist. He gave misleading information and allowed XXXX to process a {$100.00} deposit which led to me having to call the XXXX # for assistance. He stated their electrical system was down, yet he was able to return my card and other customers were able to make transactions immediately afterwards. After requesting his direct supervisor contact information he originally stated he doesnt not report to anyone then provided a supervisor in their marketing department. My concern was for missing cash deposit not marketing. XXXX XXXX XXXX is the number he gave and that rings a few times before disconnecting. I emailed both XXXX and XXXX and have not received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24 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: The Nguyen Law Firm, PLC
State: VA

Complaint narrative:
I am using my middle surname name XXXX XXXX, because the email locked me out of the account with the cfpb My name is XXXX XXXX XXXX under the email XXXX. I ask the representative whom I spoken to at XXXX to not share my information with anyone on their recorded line, However I have also gave written statement, They updated my information, Unbeknownst to myself and got two different creditors to contact me, One with a wriiten debt warrant to go court or pay the debt, I do not know this person or debt, So I would like to sue. it's in a written statement using my name and information will costs XXXX $ an hour, XXXX, They used my address without my permission XXXX XXXX - XXXX. No. XXXX [ Second Account XXXX XXXX XXXX XXXX Apartments, Have reduced a debt that's, not mine [ The XXXX XXXX XXXX account XXXX }, Reduced the debt to {$2400.00}. The previous owners of this apartment complex left owing {$190000.00} That's the amount that they cut they whole building water supply off, I left owing not a dime they credited me only XXXX I paid {$1900.00} to move in I have my receipts plus XXXX Administration fee these folks are crooks read their reviews

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: DE

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I, XXXX XXXX, XXXX have addressed this complaint over the phone to only receive more Suncoast Credit Union checking statements ; XXXX statements since this XX/XX/XXXX complaint. If Suncoast Credit Union want to be nasty, and play a game ; I'll bring fraud charges against their entity, for the fraud committed against me within the XXXX XXXX I have done business with them_ under fraudulent contracts. That I was not aware of ; I don't care who runs this entity, It should not take 60 days to close out an account that was to be closed in XXXX. XXXX have violated laws under breach of contract ( s ) of each loan provided me, as well as their credit card, and for XXXX XXXX to have their staff state they can not closed account, because I owe a credit, when it is irrelevant and I was not provided full disclosure on SunCoast contracts, when knowingly that their contracts were all fraud and can be fought, have XXXX XXXXXXXX to stop sending statements, when claiming to resolved this issue at hand. The checking account does not relate to any credit card to claim a reason not to close my checking account. This is harassment, and How dare Sun Coast to think that I would allow its company to drive this matter this way. keeping my account open when it is against the law, But anything goes in XXXX. The proper way to handle a credit dispute is to place this matter in court, not applied that Suncoast disallow my acct close because of a credit card that I do not owe, because who I am, and XXXX knows who I am, and fraud me anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I've already sent a letter to the creditors to remove the late payments and they have not abided by what i requested and they also violated my consumer law because they never gave me the option to Opt out from reporting this information to a third party via 15 us code 6802. 

Captial One XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I lived in a condo 2 years ago. And I tried to received my deposit amount for 2 months after my departure. They said they would deposit, but they never deposited. After 2 months claiming they would deposit. They forged a report on a retroactive date and made only by them, alleging several problems in the apartment where I lived, where nothing was real and journey, with the entire amount of money raised to carry out already scheduled renovations in the apartment. A real crime I can't solve. They did not return my deposit and even placed an illicit collection debit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Unable to open an Business Account In the branch they tell me that I can not open business account because I have pending amount due but I do not have debts with TD Bank and if there is any debt it must be the product of an account opened fraudulently and the issuie and problems are at the branch in XXXX XXXX XXXX XXXX XXXX FL XXXX They don't want to attend to me and they decriminate me. I do not have negative situations in my consumer report from XXXX XXXX  with TD Bank The bankers of that branch are those that are harming me and discriminating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI

Complaint narrative:
I had two XXXX XXXX from ECSI consolidated into a single consolidated loan with XXXX on XX/XX/2022. ECSI has repeatedly told me that they have not received payment despite the fact that I have sent them multiple documents showing otherwise. They are continuing to charge me interest and late fees and refuse to cancel the loans. I have contacted them various times and get that same response that they have not been paid by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: VA

Complaint narrative:
Was collected by another collection company and resolved over a year ago, then another collection company started trying to collect the same bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Karma, LLC
State: VA

Complaint narrative:
My credit score shows me one thing when I check but when I apply somewhereand lift freeze it shows them about a 100 points lower

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The credit bureau stated that my account was properly investigated but how is that possible if the the same inaccuracies that Ive disputed several times remains on my credit file? This is ground for removal because theyve violated my rights under 15 USC 1681 section 602 A I have rights to privacy.

15 USC 1681 Section 604 A section 2. states, Ila consumer reporting agency can not furnish an account without my written instructions. 

Also the certified bureau took more than 30 days to complete my investigation.

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 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Letter from Resurgent saying an original XXXX XXXX, XXXX, and current owner LVNV Funding LLC, are trying to collect a debt of XXXX. I am not familiar with any of these companies or this debt. They letter was also address to my Maiden name which I have not used in 19 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: SC

Complaint narrative:
It was being reported on my credit report that I had a collections account for a past due loan Through XXXX XXXX being shown on my credit report. Ive disputed this collection and in return I was told that and show where XXXX XXXX was removed as the Original Creditor of the collection and Regional Finance Loan company was then stated as the original creditor. Ima convinced there is a fraud taking place here and I would like The CFPB to investigate into this matter thoroughly please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I do business with XXXX XXXX and CAPITALONE BANK. I am a very loyal and great customer of both for over 10 years. 

CapitalOne, like the other Banks, continues to charge excessive monthly fees, during and after COVID. Further, they continue to ignore the consumers financial hardship post COVID and show sympathy for the consumers who are still struggling. 

I am currently on XXXX and recuperating from 2 COVID severe infections. In addition my financial services employer has stopped paying me. 

I took a hardship withdrawal from my pension to pay credit card debt this week, including my XXXX XXXX credit card. 

I called Capital One twice this week like I did with my other credit card issuers. I asked them to help me and consider to reimburse me for {$400.00} in late fees / {$40.00} a month for being late / unable to make payments on time due to hospitalizations and financial hardship. I was late for couple of days to few days at the most. Never past weeks or a month. 

The overseas located service center of CapitalOne asked me when I had COVID last year. I answered with specific dates and explained to them my current severe financial hardship. They routed their call to their supervisor who waived another {$40.00}, total of {$80.00} for this year. 

I explained to them that The Consumer Financial Protection Bureau prevents banks from charging such high fees, especially during COVID and post COVID pandemic since we have all suffered and continue to. 
I also stated that you ask that retailers and banks stay sympathetic to the consumers. They were polite. However, they dismissed my request and did not understand my constructive comments about your Agency. 

I ask please for your help so that CapitalOne considers to reimburse me for another {$280.00} for late fees for last year. I will not go back to the previous years. Here is the list : XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XXXX XXXX XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} Whether they do or dont, could you please work with all of us to put a stop to this fee raping consumers behavior? The Banks from the latest annual filing for XXXX, are up in cash management 110 % to over 200 % in profits due to the high interest rates and the balances / client or consumer deposits. Aside from having booked millions to billions in profits in this area, they continue to layoff thousands and both banks and broker dealers slashing salaries and bringing to zero in some cases any additional variable pay. 

Please step in to protect us all. This behavior is wrong. We have lost jobs and continue to. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Events started in early XXXX ( documented in the attachment ) when Chase 's fraud department violated my privacy and then locked me out of all my accounts. After a week of trying to resolve how this happened and what will prevent it from occurring again, I decided to close my individual checking, savings and credit card accounts. But Chase will not do that.

I have spent hours on the phone and online, I have reached the end of my patience. I want these accounts closed. I shouldn't have to interrupt my day to go meet with a private banker who's only function seems to be dialing the phone and calling the same departments I have to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 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: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-24 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
THE FOLLOWING ACCOUNT WAS SUPPOSED TO BE REMOVED AS IT WAS PART OF A MULTI STATE SETTLEMENT, SANTANDER CONSUMER USA. THIS BANK SETTLED TO CLOSE LOAN COMPLETELY AND REMOVE FROM ALL CREDIT REPORTS. IT WAS ALREADY REMOVED FROM OTHER BUREAUS, BUT STILL SHOWING IN XXXX. CURRENTLY UNDER DISPUTE SO IT CAN BE REMOVED. I ALSO NOTIFIED SANTANDER CONSUMER USA DIRECTLY, and no response was given. IT IS NOT A A CHARGE OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
We took out a loan with XXXX XXXX in XX/XX/2022 and setup with Bank of America to pay the loan with bill pay of {$520.00} on a monthly basis thru electronic transfer. Bank of America was unable to make the transfer electronically so after a week they sent a hard copy check ( dated XX/XX/2022 ) it the XXXX XXXX XXXX XXXX. This check was endorsed and cashed by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. We were meanwhile informed that we were past due. XXXX XXXX had nor received our funds so we made a payment over the phone of {$520.00}. We also set up again a monthly bill pay with Bank of America to electronically pay {$520.00} each month which as worked correctly since that time. Since our inquiry Bank of America sent us a copy of the check ( letter dated XX/XX/2022 ) they directed us to XXXX XXXX for resolution and they have also opened and closed their investigations ( current Bank of America case number XXXX ) XXXX. After visits to the local Bank of America office and countless phone calls with XXXX XXXX and Bank of America, without any progress, Bank of America decided in the Fall of 2022 that the issue was with XXXX XXXX XXXX XXXX and them. More phone calls to Bank of America, and multiple, confusing letters as Bank of America bill pay customer service didnt understand that the letters they were copying me on were actually there multiple requests to XXXX XXXX  XXXX XXXX to complete and return to them an Affidavit of Non Receipt which was never sent back to Bank of America 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