vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Account access restricted and cant use card for transactions. Have 4 total accounts with them. I use them for XXXX, for occasional work deposits- I am in an XXXX XXXXXXXX as a XXXX XXXX XXXX for XXXX XXXX XXXX. I get XXXX payments for rental properties occasionally. This goes to my ally account. I pay all taxes on all these payments. 

Ally called me to review I says everything was good. Then 20 minutes later they restricted my account. I have deposited {$30000.00} checks here that have cleared without notice. I appreciate ally bank because they are very responsive usually. But here they just say the account is under eeview even though I have checks that clear lots of XXXX payments. I have never disputed a transaction ever. They need to unblock my account.

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 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 ; XXXX XXXX XXXX internet service was disconnected at XXXX. I called XXXX XXXX XXXX  on XX/XX/2023 to make a payment. However, I was unable to do so because I given the balance for my XXXX XXXX XXXX wireless service in the amount of {$170.00} which I paid on XX/XX/2023. I asked the XXXX XXXX XXXX representative if I could make payment for {$70.00} ( monthly payment ) and scheduled a payment arrangement for XX/XX/2023. I was told, no I have to make the full payment in the amount {$170.00} because my service is disconnected. My XXXX XXXX XXXX wireless phone is XXXX. I told the representative my XXXX XXXX XXXX wireless is not disconnected. The representative stated to me, I receive partial internet only some websites I am able to get. Also, my TD checking account was charged too many times for return checks when I customers are given a grace period to deposit money to pay for transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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:
Dear XXXX XXXX, I am writing to bring to your attention an error on my credit report that I believe requires immediate attention. I recently reviewed my credit report and noticed that there is inaccurate information reported on my account. 

On XX/XX/2022, I contacted TransUnion to report the error and provided supporting documents to show that the information reported is inaccurate. Since then I have contacted TransUnion on several occasions, dates ranging from XX/XX/2022 to currently XXXX XXXX. I have contacted TransUnion over twenty times with supporting documentation. Despite my efforts to rectify the issue, the inaccurate information is still appearing on my credit report. The error is impacting my credit score and financial standing, which is causing me considerable stress and XXXX and inconvenience. 

I kindly request that you investigate this matter and take the necessary steps to correct the error on my credit report as soon as possible. I have attached the documents that were previously provided to support my claim. 

If you require any further information or clarification from me, please do not hesitate to contact me at XXXX. I would appreciate a prompt response and resolution to this issue. 

Thank you for your attention to this matter.

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 2023-05-12 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: GA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$1900.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$960.00} XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} AMERASSIST ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$1900.00}

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 2023-05-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I'm in enrolled in a debt consolidation program with XXXX XXXX XXXX and 4 of my accounts were paid off under the agreement and the creditors are still reporting negatively. When I enrolled into the program it was suppose to help build my credit but it has affected me tremendously. I've disputed the results and nothing has change. What help is the program if it's not helping. I need help. These are the settlements that were negotiated, The accounts are XXXX XXXX {$4700.00}, XXXX XXXX {$1300.00}, BANK OF AMERICA {$1200.00}, and XXXX  {$2400.00}. I can provide more documents if needed.

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 2023-05-11 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I'm in enrolled in a debt consolidation program with XXXX XXXX XXXX and 4 of my accounts were paid off under the agreement and the creditors are still reporting negatively. When I enrolled into the program it was suppose to help build my credit but it has affected me tremendously. I've disputed the results and nothing has change. What help is the program if it's not helping. I need help. These are the settlements that were negotiated, The accounts are XXXX XXXX {$4700.00}, HOME DEPOT {$1300.00}, XXXX XXXXXXXX XXXX {$1200.00}, and XXXX {$2400.00}. I can provide more documents if needed.

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 2023-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I was trying to devide my money into increments of {$250000.00} for fdic insurance. Synchrony Bank somehow took {$500000.00} instead of the authorized {$250000.00}. Once under my moms name and once under my name. I've been trying to get them to send {$250000.00} back and then they froze my account. As a result I filed a claim through Citi to get the money refunded. Synchrony is saying that claim went through and they sent all {$500000.00} back to Citi but I do not see it in my Citi account. It is also not in my Synchrony acount and I can not have access to my Synchrony account whatsoever. Citi customer service also said the money hasn't been returned but that the two fraud claims had been filed and I should get my money back in 10 business days. Now mine and my moms life savings is simply gone and I have no way to see who has it or where it is.

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 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
There are 18 hard inquires on my credit report who has been misleading with information. 
Capital one spark, advertisement misleading information. They mislead in inquiring their information. So i want that inquiry deleted off my report.. 
XXXX XXXX XXXX misleading information from social media please remove XXXXXXXX XXXX  misleading information from social media please remove XXXX XXXX XXXX  misleading information from social media please remove XXXX XXXX i would like removed XXXX XXXX please remove XXXX please remove XXXXXXXX please remove XXXX please remove XXXX XXXX please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: MI

Complaint narrative:
my information was linked with all of my personal information from a data breach and credit accounts were opened and it is affecting my credit score.

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 2023-05-11 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: MI

Complaint narrative:
my information was linked with all of my personal information from a data breach and credit accounts were opened and it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I made a payment of {$29.00} to my Citibank credit card on XX/XX/23 from my bank account. Checked my bank account and there was over {$300.00} in my account. There was no pending charge on my bank account and no return check fee on my Citibank account either. XX/XX/23 I made another payment of {$75.00} and it posted XX/XX/23. there was approximately {$85.00} plus available on my Citibank account. I had a pre-authorized bill pay process on XX/XX/23, XXXX XXXX purchase on XX/XX/23. If there was a returned check in the past, Citibank has locked my card/available balance until the initial payment has cleared in the past. On XX/XX/23 there is now a posted {$41.00} return check fee for the {$29.00} payment from XX/XX/23. I called customer service and they stated that my bank returned the payment that's why they charged the return check fee. My bank statement shows the funds were there from XX/XX/23 through XX/XX/23 and I checked my account daily since XX/XX/23 and never saw a pending payment from Citibank. The representative was rude and combative and could not provide proof that my bank returned the payment. I called my bank and there is no record of the transaction.

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 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
CONVERGENT OUTSOURCING HAS BEEN CALLING ME FOR OVER 2 MONTHS TO COLLECT A DEBT ON BEHALF OF XXXX FOR XXXX XXXXXXXX XXXX..OK I SPOKE WITH THEM ON XXXX XXXX2023, EXPLAINING TO THEM I'M HOMELESS, NOT WORKING, IN XXXX..I ASKED FOR A DISCOUNTED PAYMENT TO CLEAR BILL, SO IT CAN BE SETTLED..THEY AGREED TO THE SETTLED AMOUNT OF XXXX THEN I ASKED HOW LONG WOULD IT TAKE FOR IT TO BE REMOVED FROM MY CREDIT REPORT.. CONVERGENT OUTSOURCING TOLD ME IT WAS XXXX TO REPORT TO CREDIT BUREAU TO HAVE IT REMOVED ..OK, I CALLED XXXX ON XX/XX/XXXX XXXX TODAY, 2023, ONLY TO BE TOLD THE BILL ISNT SETTLED, AND I STILL HAVE A BALANCE OF $ XXXXTHE ORIGINAL BILL WAS {$260.00} THEY PLACED INTO COLLECTIONS..I SETTLED WITH THESE LIARS CONVERGENT OUTSOURCING, BY PAYING {$150.00} AS AGREED, NOW THEY ARE SAYING ITS XXXX I NEED TO SPEAK TO ... THIS IS NOT RIGHT..IF THE ACCOUNT WAS SETTLED FOR {$150.00} WITH THE COMPANY XXXX USED FOR COLLECTION, WHT AM I BEING TOLD BY XXXX THAT I STILL OWE THEM A BALANCE, WHEN THE MONEY WAS COLLECTED THROUGH A COLLECTION COMPANY .... XXXX AND THAT COLLECTION COMPANY IS DOING DIRTY TRANSACTIONS WITH CONSUMERS AND DON'T CARE .... CONVERGENT OUTSOURCING ARE LYING TO CONSUMERS THAT THEY ARE SETTLING ACCOUNTS WITH YOU ON BEHALF OF THESE COMPANIES, ONLY TO FIND OUT THEY ARE LYING AND REPORTING FALSE COLLECTION INFORMATION TO THE COMPANIES THEY ARE BUYING THESE ACCOUNTS FROM ... .THEY TOOK MY {$150.00} TO SETTLE XXXX ACCOUNT OF {$260.00}, ONLY TO FIND OUT THE ACCOUNT ISN'T SETTLED WITH XXXX... I HAVE COPY OF RECEIPT FROM BOTH COMPANIES..ITS FUNNY IT DOESN'T SHOW AS A SETTLEMENT ON EITHER XXXX OR CONVERGENT OUTSOURCING EMAIL OF RECEIPT...

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 2023-05-11 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: GA

Complaint narrative:
I have attempted to dispute this account several times with all 3 credit bureaus on many occasions. I have even filed a complaint with you guys once before as well. I have provided the bureaus with my FTC report, Denial letter, Police report, as well as their reporting errors as well according to all 3 reports. Last attempt disputing was XX/XX/2022, each bureau stated that account will remain on credit file and will be updated. If update was supposedly done, then why information is reflecting differently on each report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX  To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 

Federal law requires you to respond within 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 ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; 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.CaI. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 


If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one has failed to respond to any of my letters or emails or voicemails. They seem to only respond when I make a claim through you guys. I called XXXX, many times and nothing has happened. As mentioned before I'm submitting a claim regarding my account ending in XXXX, my account has POSITIVE balance for that account is {$12.00}, XXXX, and I still don't understand why if you guys already decided to close my account and end relationship why has a check haven't been sent to me for the remainder balance in my account, capital one by law can not keep any of my money and must send a check to me for balance remaining, account should have already closed there no negative balance, so I should have already been issued a check for the amount shown above, i received mail of my account and shows me a balance. No letters as of why you decided to end relationship, nor when my account will close NO time frame has been provided, like I mentioned no answers are giving to me without me making a claim with the consumer financial protection bureau, please help me escalate this and get my money sent out to me. 
Why is it taking capital one months to close account with a positive balance. Not my checking or my savings accounts ( 2 ) why are they still open not closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: PA

Complaint narrative:
I am really angry that they are appearing on my credit record, therefore I beg that you kindly erase this account since it is not mine. They truly let me down by making me go through this, and I feel terrible. I want the business to take this off my credit report as soon as they can. Unquestionably not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TX

Complaint narrative:
I have reached out to all three credit bureau. I am going on 4 months right now. I have sent them all my information. Things like picture of my ID, Bill, etc. The problem is that they keep giving me the run-around. I'm going on a vicious cycle of letter sending with no real outcome or proper validation. They keep sending me the same letter. I have tried to reach out to the creditor listed on my credit report but the post office says its not a correct address, the address on file for that creditor is not good. 

I can't get a proper verification of my debt and they keep avoiding the fact that they can't get a hold of the company either. I believe the company dose not exists anymore. 

The credit bureaus have violated my first two request as a consumer. I never got any letters from any of the credit bureaus. No respond, past 30 days. I understand that the amount I am trying to remove is only {$99.00} so it may not be a big deal for them. What am I suppose to do about removing something that can not be verified and that has a bad address that I can even mail money to get it cleared.They have violated conduct a reasonable investigation of my dispute, and correct or delete inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. I will keep this letter as my record of this dispute and will look to hire an attorney for all my time, money, and physiological stress.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/23 I went to try to get an auto loan. My transunion was ran and the agent stated it shows I never had a auto loan paid off. I paid the car off 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