vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: SD

Complaint narrative:
On XX/XX/2021 ; I called TD Bank Customer Service to inquire about problems accessing my online banking. This has been after two weeks of attempt to resolve this issue. I lost my phone on a Subway train in XXXX during on XX/XX/2021. Because of that, I had to get a new phone and a new number. I have not been able to log into my account nor receive any assistance in doing so. Their verification questions are impossible to answer because I haven't made a transaction in a branch or ATM since the beginning of XXXX. I left the XXXX of Massachusetts for school on XX/XX/2021. Therefore, because of that I can not remember the amount of transaction. 

TD Bank has been impossible to work with and they have failed to resolve my issue, despite my kind requests. They are not America 's most convenient bank. When I called on XX/XX/2021, I was told that because I am " outside of the TD Bank footprint '' that I would need to go into a branch physically. They are failing to show any consideration that I am a college student out of state. To go to a branch physically, would cost be large amounts of money just to solve a single issue. They are being disrespectful, discourteous, and quite frankly terrible customer service. 

TD Bank needs to be held accountable and taken to task for their horrible customer service. All I'm asking for is to be able to access my online banking. They are making it more difficult then it needs to be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 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: FL

Complaint narrative:
Capital One is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ), 15 USC 1692 ( c ), and 15 USC 1692 ( b ). And I am requesting they provide a debt validation letter and a sworn affidavit within the next 30 days and provide a law that states a consumer has to pay an alleged debt. Documents are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I recently received my chexsystems credit report. In my report I found a checking and savings account being reported as a personal account that were not personal accounts. Both of the accounts being reported were opened as business accounts not personal accounts. The bank reporting the information is XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
My identity information ( residence from years ago ) was used to purchase a camera a few years ago and the entity that stole my identity info financed the camera through AFFIRM. The entity that stole my identity did not make loan payments to AFFIRM, so AFFIRM sent the account to collections and it showed up as a negative on my credit report. I spoke to AFFIRM earlier this year and after multiple conversations and my execution of an affidavit AFFIRM acknowledged that they had made a mistake ... .they indicated that my credit should not be negatively impacted ... ..despite what AFFIRM told me my Experian report still has the AFFIRM collection on it and my credit score is thus being negatively impacted. I am trying to get AFFIRM to reach out directly to Experian to let hem know that they ( AFFIRM ) made a mistake ... ... AFFIRM is giving me the run around and after three weeks of dealing with AFFIRM again ... .the AFFIRM item is still showing up on my credit report and negatively effecting my XXXX  credit score. Trying to refi my house right now and take advantage of good interest rates. Need for AFFIRM to coordinate with XXXX  ... this has been a NIGHTMARE!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan Chase Bank is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ), 15 USC 1692 ( c ), and 15 USC 1692 ( b ). And I am requesting they provide a debt validation letter and a sworn affidavit within the next 30 days and provide a law that states a consumer has to pay an alleged debt. Documents are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
" FINANCIAL CREDIT NETWORK '' IS REPORTING A DEBT THAT I DO NOT OWE. I WAS IN AN ACCIDENT IN 2018 WHERE A CAR HIT ME AS I WAS WALKING. THE DEBT, TO MY KNOWLEDGE, IS FROM THE COST OF THE ABUMLANCE. THE DRIVER AT FAULT HAD INSURANCE AND WAS SUPPOSED TO PAY FOR ALL DAMAGAES/COST INVOLVED. I HAVE ATTACHED A COPY OF THE POLICE REPORT AS PROOF. PAGE 1 SHOWS THE DRIVER AT FAULT AND WHAT INSURANCE THEY HAD ( XXXX XXXX. THE 2ND TO LAST PAGE WILL EXPLAIN THAT THE DRIVER IS AT FAULT FROM POLICE OFFICERS. I HAVE ALSO ATTACHED A LETTER I RECEIVED FROM MY ATTORNEY DURING THE TIME. I WILL REACH OUT TO MY ATTORNEY AGAIN IF THIS ACCOUNT DOES NOT GET ERASED FROM MY CREDIT. PLEASE REMOVE THIS INACCURATE REPORTING AND DEBT THAT I DO NOT OWE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Avant Holding Company, Inc.
State: TN

Complaint narrative:
I have received calls all year from Avant in an attempt to collect on an alleged debt. XX/XX/XXXX I sent them a validation of debt letter that the company received on XX/XX/2021. I also sent in an Affidavit of Truth letter as well that included an invoice for violations. XX/XX/2021 I called in and spoke to a supervisor and he stated he saw the letters and because the letters were still in review he could not provide any additional information to call back in 2 weeks. On XX/XX/2021 I called in once at XXXX XXXX  central time and was hung up on after being transferred 3 times and being on the call for over 43 minutes. The number that I called was XXXX. I called the XXXX number back at XXXX XXXX  central time and was transferred 2 times and was told to call another number after being on the call for over 22 minutes. I called the number they provided which was XXXX and I spoke to XXXX XXXX and she was the very first representative that actually tried to help resolve the problem. Unfortunately, she could not help but stated that she would escalate the problem to the Resolution Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I went to the Bank of America branch in XXXX, New Jersey this morning for a {$100.00} certified check and was blithely told that I would have to pay a service fee of {$15.00}. I objected. The teller did nothing. A bank employee came over. I told him. He went to see the branch manager. He returned. He deleted the {$15.00} charge. I objected as I wanted to pay {$10.00}! He said no, the computer permits either full payment of the charge or no payment of the charge.

I told both the teller and this other employee that it was unconscionable and immoral to charge such a fee and when the Federal minimum wage is {$7.00} per hour. That went over their heads! 

I pointed out that the CEO of the Bank of America has a financial compensation package in the many millions of dollars! That too went over their heads!

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 2021-08-25 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: Self Financial Inc.
State: FL

Complaint narrative:
XXXX XXXX  is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ), 15 USC 1692 ( c ), and 15 USC 1692 ( b ). And I am requesting they provide a debt validation letter and a sworn affidavit within the next 30 days and provide a law that states a consumer has to pay an alleged debt. Documents are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
I lost my wallet years ago as a result of that I have had fraud committed in my name several times the 1st was from XXXX the second was XXXX XXXX  the third was my Checking account at XXXX. and now this a XXXX XXXX  credit card that I never heard of for the sum of XXXX Please Help Me Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
{$4800.00} was stolen from my XXXX checking account. Someone stole the envelope with the {$18.00} check I mailed out using the street blue mailbox for a lawn service. My {$18.00} check was altered and cashed by a person named XXXX XXXX. He or she simply crossed out the original amount of {$18.00}, wrote the new amount of {$4800.00} underneath, changed the memo from the Invoice number to a Car payment, and deposited it using JPMC Bank ATM ( JPMorgan Chase XXXXFormer XXXX XXXX ). Neither JPMC nor XXXX  banks saw anything wrong with the check and accepted it. As soon as I saw the fraud on my account I reported it to my bank and the police. Here is what my bank ( XXXX ) stated when I requested the provision of credit : " We confirmed that our Security Department received the Check Fraud Dispute you submitted. For this type of dispute, the bank of first of deposit ( where the check was deposited ) is responsible for investigating your claim. Your dispute was sent to this financial institution, XXXX XXXX, Indiana NA, upon receipt of the dispute submitted in the branch. The investigation typically takes between 60-90 days ; however, due to COVID, the investigation may take up to 120 days. Upon completion of their investigation, the bank of first deposit will contact XXXX XXXX  with their findings, and we will contact you with the details. If they provide the reimbursement, it will be posted to your account as a credit memo. Unfortunately, provisional credits are not offered for a check fraud dispute. While there are some debit/credit card disputes where provisional credits may be provided ; this is not a situation where a provisional credit can be applied to your account. ". I had an excellent credit score, and it's now in jeopardy. How I am supposed to pay my bills? Coronavirus is now balmed for everything. The bank has allowed someone to take my money and refused to take any responsibility. I am not even sure if I ever get my money back. I thought FDIC had some leverage here. I am now not sure. 
I am asking for any possible help. I can provide a copy of the check that was altered and deposited, and other documents if needed. Both banks have all the necessary information. I can not contact JPMorgan Chase for the provision of credit, since I am not a customer there. They will not talk to me. I was told by my bank that they dont have control over the ATMs. I was shocked to found out that. It means that anybody could just draw a check and deposit it using ATM. What is the point to rob a bank with a weapon, if it is easily can be done through ATMs. I am going to write a letter to the XXXX XXXX  XXXX and contact media to bring attention to this problem. How could a check like that be accepted by an XXXX XXXX? Where was their security department?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: OH

Complaint narrative:
On XX/XX/XXXX XXXX XXXX had posted Lending Club had a loan for me 90 % approved at 11.97 % interest APR I filled out the application and came back and they said it would be 18.97 I think it was very misleading and dishonest

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: NJ

Complaint narrative:
NOTICE!!! As a federally Protected consumer/natural person I DEMAND these accounts be removed! The information listed, which appears on my credit file, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private consumer/natural person file to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages. THE XXXX XXXX XXXX XXXX CL Date Opened : XX/XX/XXXX Amount : {$580.00}, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: LA

Complaint narrative:
This debt for XXXX XXXX XXXX not owed. Paid in full. company alleged that I had not paid the bill and I did in fact pay them no balance due

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I recently checked my FICO score through my bank and I noticed that my score is about 670 which falls under fair. I have been on time on all my payments for the past 8 years and last year I paid off 7 different student loan accounts, I also have a public record ( bankruptcy, XX/XX/XXXX ). So I decided to check with all three credit reporting agencies to find the issues that were negatively affecting my credit score. 
My credit score at XXXX  was XXXX, at XXXX, XXXX and at TransUnion, XXXX  which is lower than the other reporting agencies by more than 100 points. I contacted TransUnion to find out why their score was much lower than XXXX and XXXX which is bringing my over all credit score down. 
After speaking with TransUnion I found out that they did not have my current employer information, they did not have the 7 closed student loan accounts and mentioned my public record is the main issue bringing my score down. 
I understand that I have a bankruptcy on file and that should affect my credit score but after 8 years of being on time on all of my obligations, I think my TransUnion score should at least be in line with other credit reporting agencies. I honestly do not believe an eight year old bankruptcy should lower my TransUnion credit score, more than100 points lower than others. 
This lower FICO score makes it impossible for me and my family to qualify for any home loan and it is costing us a lot more in interest for other loans and credit cards. 
I thank you in advance and hope to hear from you soon.

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 2021-08-25 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Bank is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

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 2021-08-25 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
THERE ARE 7 " NAVIENT '' ACCOUNTS ON MY CREDIT THAT ARE REPORTING LATE ON XX/XX/2020 & XX/XX/2020. THIS IS INACCURATE BECAUSE PAYMENTS WERE DEFERRED DUE TO COVID19. THE CARES ACT PASSED BY THE FEDERAL GOVERMENT MEANT THAT NO PAYMENTS WERE REQUIRED. PLEASE RECITIFY THE LATE PAYMENTS ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have been a customer with HSBC Bank for over 5 years now. I have my personal and 3 business accounts with them. 

A month ago, I opened up a new business account, because I am in the process of purchasing a property. The purpose of the account I opened is because I am planning to purchase the property under the LLC. 

When I opened the account up, I let the manager " XXXX '' know what the purpose of the account was, and that I'll be receiving and sending out wires as needed to complete my purchase and all transactions needed for it. 

Today, XX/XX/2021, was supposed to be the day we close on the house. I went into the branch at XXXX XXXX and asked to wire money to my lender 's attorney for closing. The manager on duty " XXXX '' told me that HSBC has this policy that they do not wire money from business accounts from inside the branch, but they can from my personal. 

So we decided to move the money into my personal account, so we can process the wire. For wire transfers, they need 2 managers to be able to approve it, and XXXX was the only one in today, so he had to call another branch to get the 2nd approval. 

He called XXXX XXXX, the branch manager at the HSBC XXXX XXXX branch. She got on the phone and from the beginning had a nasty attitude, and after a couple of minutes speaking with XXXX, she demanded to speak to me. After answering her questions about the transactions in my account, she denied to release my wire. When I called her out on her bad attitude, she got mad, hung up the phone on me and proceeded to freeze my funds. All of this is completely uncalled for. I have never spoken to or been associated with this lady and she illegally put a freeze in my account. 

They have not only frozen my account, but it looks like they have gone ahead and closed both my personal and the LLC account I opened up for the purchase of my house. This resulted in putting me in a terrible situation with the seller of the house I am attempting to purchase. Now I am at risk of losing the house and my contract deposit because of this nonsense they put me through that resulted in my closing being canceled today. 

This is absolutely unacceptable treatment. XXXX XXXX needs to be held accountable for escalating a situation that was supposed to be very simple and straight forward. She should not be allowed to handle people and their finances. 

I am uploading my contract for the house and Operating Agreement for my LLC to prove that this entire situation has created a huge unnecessary set of problems for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Was initially contacted by mail from XXXX XXXX and XXXXDebt Collector by letter dated XX/XX/2021, who states their client is Synchrony Bank. I had no idea who they were. They have indicated in correspondence dated XX/XX/2021, that the account has been charged off and they are trying to collect from me. I don't have any agreement or contract with XXXX XXXX and XXXX/Debt Collector ; I don't owe any alleged debt to them. They have sent letters indicating they are attempting to collect a debt and that they are an attorney at law. Pursuant to 15 USC 1692e - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. Any alleged indebtedness is an obligation of the United States Pursuant to 18 USC 8 - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. I sent an Affidavit of Truth and have not received a response. There are many individual actions and they were given 21 days from date of receipt, which was XX/XX/2021, to send payment according to the attached invoice, of all the individual actions, and have not done so and was given ample time. I am seeking remedy from XXXX XXXX and XXXXDebt Collector. I demand that any information pertaining to XXXX XXXX and XXXX/Debt Collector and their client be removed from all credit reporting agencies, immediately. Affidavit and Invoice included.

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