vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
XX/XX/2021 I called TCF Bank to close all four ( 4 ) of my accounts with them. XX/XX/XXXX they closed two ( 2 ) of the accounts and mailed me a check for the balance on those two ( 2 ) accounts. The remaining two ( 2 ) accounts were not closed and the bank still continues to charge me service fees. 

When I called on XX/XX/2021 TCF Bank advises me I have to close them in the branch. I live in XXXX XXXX California. I'm nowhere near a branch. 

This bank is clueless and of no help, for months they have charged me fees on accounts I can't use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. I have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.

Also Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that they remove the following accounts and send me my updated consumer report. i am ready for court.

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 2021-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners
State: GA

Complaint narrative:
XX/XX/2021 Affiliate Asset Solutions LLC reached out to me via mail and also by cell phone constantly at inconvenient times of day. I dont even want to answer my phone because they harass you. I didnt agree to sell my information to this company and each call I a willful attempt to disregard my rights as a consumer. No validation was provided as per my request and there for that is another violation. 

I have a piece of mail as proof. I highlighted Exhibit A which is 15 USC 1692 B ( 5 ) and the clear violation according to 18 USC 1342. 

I have a for your records a photocopy I will attach for you to review. As well as call records that clearly display consumer harassment and the agency calling at irregular and inconvenient times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Step 1 : What is this complaint about? 

This complaint is about a HELOC with BMO Harris Bank. 

Step 2 : What type of problem are you having? 

We are having problems getting the money for the loan after the closing paperwork was completed. Without having copies of the closing paperwork to review in advance, we had to sign blindly on the online notary agent. 

Step 3 : What happened? 

The complaint has two areas of concern : 1 ) BMO did not share the closing statements for us to review prior to the loan closing. They gave us an electronic link to the documents, but the documents were not found on this website. Our paperwork was signed XX/XX/21 and allowed for 3 days to cancel ; however, we didn't get the notice until XX/XX/21 when I contacted XXXX XXXX to ask where our copies of the closing documents were at that time she sent them to me electronically only after I asked which was too late to cancel. 2 ) BMO is lagging in sending us the loan funds ; we signed on XX/XX/21 and the funds were still not deposited into our account on XX/XX/21. Where is our money? We bank with BMO electronically and this could have been done on the day of the closing! I'm assuming they will charge interest beginning on XX/XX/21? In addition, they took our money and paid off an existing HELOC loan for the wrong amount. When I asked why they didn't get a correct payoff figure before paying off the loan, XXXX told me that is not their practice, BMO just pays the amount from a prior statement and we have to try and get the money back from the other HELOC lender. 

Step 4 : What company is this complaint about? BMO Harris Step 5 : Who are you submitting this complaint for? XXXX and 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 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Having a XXXX XXXX XXXX Visa and a XXXX XXXX XXXX by XXXX XXXX and Bank Debit Card, for approximately the last 2 years these cards purchases were continually be " Declined '' or the merchant was being told to " Manually enter the Card Information '' entertainment activities Charges were continually being " Declined for rhetoric reasons '', text messaging for account balance were continually being manipulated with a " lower balance '' Treasury Deposits were being delayed. I have changed Banks to XXXX and the same " Text Manipulation for balance '' Now that I Bank with XXXX the same problems are reoccurring and I have been told that the " ELAN FINANCIAL SERVICES '' Monitors XXXX XXXX Bank Cards and XXXX Bank Cards and XXXX XXXX XXXX Arizona. It is my assumption that this problem was done purposely and intentionally to disrupt and confuse up to date balances and spending.

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 2021-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: DISCOVER BANK
State: NJ

Complaint narrative:
There are accounts on my credit report that arent mine. I listed it below. 
1.Discoverbank  Account Number : XXXX 2. XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have this negative Item reported on my credit report and I have been disputing but somehow it says that it was mine. IT IS NOT! I WAS A VICTIM OF IDENTITY THEFT FOR SINCE XXXX. Im in the process if purchasing my home and because of this reason its causing my a lot of problem which I shouldnt have to begin with. 

The Account is with USAA, I dont have any information regarding this account as I said its not mine. Account was opened XX/XX/XXXX. Its reported as CHARGE OFF in the amount of {$2500.00} Please help me have this account removed as I do not have this account or ever opened one. 

Thank you in advance with all your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: NV

Complaint narrative:
Submitted investigation on XX/XX/2021 no updates, no investigation, no information given from collection agencies as well. I don't have contracts or recall any of these companies and violates multiple laws including FCRA, no sign of investigation and information given in 30-60 days. 15 USC 1692fg - Why would you add these accounts and not provide NO information on these accounts. I NEVER gave permission and this is MY credit report you're adding information about ME on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Both Capital One CLOSE accounts on my credit report show different dates of last activity. Remove immediately due to inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: LEXISNEXIS
State: WA

Complaint narrative:
I sent a certified letter to LexisNexis which they received on XX/XX/2021. The letter is disputing the inaccurate bankruptcy information they are reporting on my credit report. The letter is asking for the inaccurate information be removed from my reports immediatey. 
It has been over 45 business days and no response has been giving. This is against the FCRA and this inaccurate bankruptcy must be removed from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
I have investment with XXXX. I have been scammed by someone within XXXX, all my investment stocks sold out last Friday, XX/XX/2021 by the scammer. On the same day Friday the criminal scammer used part of my investment money to purchase at an XXXX store in XXXX New Hampshire in the amount of {$1700.00} at exactly XXXX. I have been calling XXXX and sent multiple emails to them but all no answer and no solution. To make matters worse, the scammer again requested a XXXX payment of {$3200.00} from my XXXX XXXX bank account on XXXX XXXX. I called XXXX over XXXX times, sent multiple emails but still no answer and no solution. My hard earned investment account is being controlled by the XXXX and XXXX currently. I had many stocks including XXXX XXXX in which I wanted to sell at {$72.00} per share when that stock went high. My account is currently hacked and all my investment in the amount of {$6900.00} has been stolen or being manipulated by XXXX and its scammers. 
I need urgent help from you guys since I'm a student right and put in the little I have in via XXXX XXXX account to help me with my education. 
Thanks XXXX XXXX Hacked Robinhood email XXXX Current alternative emails at XXXX or XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX Connecticut XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XX/XX/XXXX a balance transfer was made using a Citi credit card in the amount of XXXX. This was to pay off an existing balance with XXXX XXXX XXXX XXXX XXXX credit card ) The payment was reversed and XXXX XXXX said they never received the payment. I called and spoke to multiple different representatives all giving me a different story. The first lady I spoke with said the check was canceled because it had not been cashed within 30 days. I had asked her to reprocess the balance transfer but in a different amount of XXXX. This transfer was done correctly and the original one was processed again, even though i had told her not to reprocess. Even with the reprocess of the original payment XXXX XXXX never received it. I called back Citi again in XXXX of XXXX when I noticed the amount was back on my XXXX XXXX credit card statement. The person I spoke with did some research and found that Citi had my account number for XXXX XXXX  incorrect. I was told the balance would be credited back to my Citi Bank card in XXXX of XXXX but it never was. I called back and was told by another person the amount would be automatically deposited into my bank account within 3-5 business days, which I then gave him my bank account information. The funds were never deposited. I again called back and was told by someone else this payment was cashed and it was not their problem. I also did a 3 way call with both Citi and XXXX XXXX and went through my entire statement and they told Citi Bank they never received a payment for my account in the amount of XXXX. Citi Bank sent me a copy of the original check they claimed had been cashed. This was faxed over to XXXX XXXX back in XXXX. The payment again got reversed and is back on my XXXX  XXXX statement. I called them today XX/XX/XXXX and they told me the copy of the check I sent wasnt cashed by them and they did not receive the funds. At this point Citi Bank is saying it has been cleared but this payment was not cashed by neither Me nor my XXXX XXXX account with XXXX XXXX. This payment has been cashed fraudulent by someone and Citi Bank has not been willing to figure out how or by who.

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 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received a welcome package from TD Bank today, XX/XX/XXXX21. 
Inside were three checkbooks with a welcome letter. 
I was surprised to open this because I have not opened any such account. I immediately called TD Fraud department where they advised me that the account had been opened online around XXXX XXXX, 2021. I never opened such account online or in person. I was advised by TD fraud department that Drivers License and SS number were both required in order to open up this account, neither have been used by me for this purpose so someone has stolen my identity to do this. TD assured me they were going to be doing a full investigation, and instructed me to contact the credit bureaus and also the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Both XXXX XXXX CLOSE accounts on my credit report show different dates of last activity. Remove immediately due to inaccuracies

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 2021-06-08 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank/Homedepot is still reporting late payments on my credit report which is hurting my score pretty bad. Citi Bank recently reversed my late payments but told me it no way they could change that on my credit report which isn't true at all. I recently went through my statements and found out 15 U.S Code 1666b ( a ) was not followed at all. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. All of my statement dates with this information are all mailed well over 21 days so in which none of my payments should be counted as late. I've tried to communicate this with a person over the phone but she was not trying to hear it at all which I have it recorded and I also told her that. I ask was the statement mailed between those days she said yes which is false. I would just love if these companies would just follow the laws or get knowledge of them it would help us all out.

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 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On or about XX/XX/XXXX, I received a promotional offer from Citi ( Citibank ) at XXXX XXXX XXXX, XXXX, OH XXXX. It was addressed to me, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX NJ XXXX. The Promotion ID Number was XXXX. Among other options, it promised me a {$400.00} cash bonus if I created a new checking account with them and deposited {$15000.00}, and kept the money in the account in the account for a minimum of 60 days. I deposited {$15000.00} on XX/XX/XXXX, and the money remains in my account to this day, which is currently XX/XX/XXXX which is over 210 days. I spoke to someone at Citi when I opened the account in XXXX and they assured me I had done everything correctly to receive the {$400.00} cash bonus. The checking account number for the new account is XXXX. As of today they have not posted the {$400.00} to my account. I have called them numerous times and written to them once to no avail. They seem to insist I was not someone who was targeted or selected for that promotion. I have their promotional mailer from XXXX to prove otherwise. When I try to send them a copy, they ignore it, and reply that I was not on the target list, ignoring the evidence. They have also promised me they would get back to me with an address to which I can send the evidence ( promotion mailer ) but they never have gotten back. I tried to reach them again by phone today, but they kept me on hold for 20-30 minutes, then hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 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: FL

Complaint narrative:
I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. I have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. 

Also Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that they remove the following accounts and send me my updated consumer report. i am ready for court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent 3 dispute letters to Experian in concern of my student loan account, not reporting the correct payment history on my credit report. Experian credit bureau has told me that they have checked information but has not yet to send me any proof, By not being transparent is hurting my personal life. I have also contacted them numerous times by phone the last TWO dates where XX/XX/2021 an 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 non-monetary relief