vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I opened a credit card through XXXX XXXX XXXX XXXX  for the purchase of a couch. I made my monthly payments on time and have owed a XXXX balance on this card for SEVERAL months prior to receiving a letter on XX/XX/2021 from XXXX XXXX  stating they decided to close my card due to reasons that do not apply to me. I haven't owed them, I paid on time and yet months later they ran a credit score on me and made the decision to close my card based on my score being XXXX ( which their documentation states XXXX is within range ). So they damaged my credit score further by this decision. I want that corrected. Customer service told me today when contacting them " no one will ever be able to fix the error, the business decision was made based on the details in the letter, I can not help you ''. 
This is BAD business to damage my credit when I was paid in full and on time with this bank. There seems to be no one to contact within the bank that made that decision to appeal or discuss this with, also BAD business. 
I recently was diagnosed with stage XXXX XXXX XXXX and owe approx. XXXX in medical bills. Other than that I pay my bills on time so why can a bank take from your credit but not repair a problem or points back when a consumer doesn't warrant the bad credit mark? Who can I report XXXX XXXX  to for making this decision and damaging my credit score when I was paid in full with XXXX balance?

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 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX I was served a summons from XXXX XXXX XXXX regarding an alleged debt that they claim I owe. The summons included a mailing address to the companys attorney as shown in the attachment. On XX/XX/XXXX I initially mailed their attorney a cease and desist notice certified mail with green receipt # XXXX as shown in the attachment stating that they had 15 days to fulfill my demands. A consumer has the right to cease and desist pursuant 15 USC 1692c ( c ). According to this subsection, once the notice from the consumer is made by mail, notification shall be complete upon receipt. Ignoring my cease and desist is a violation of 15 USC 1692c ( c ) and this is evidence that the companys infringement has been willful. Not receiving a response from the company is a violation of my rights as a consumer to cease and desist. I followed up by sending another cease and desist notice to XXXX XXXX XXXX on XX/XX/XXXX by certified mail with green receipt # XXXX as shown in the attachment and it was received on XX/XX/XXXX. I am notifying you in writing through this CFPB complaint that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and as the original creditor I am demanding all of the following : XXXX  out the balance on this account, stop all illegal negative reporting of this alleged debt to all consumer reporting agencies, and send an AUDIT TRAIL for this alleged debt that can include an ( entire file on me XXXX XXXX, all documentary evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records ) Audit Trail credit application ). 

This is my second cease and desist letter to XXXX XXXX XXXX. I am well aware of my rights and know that any further contact by this company, except a communication confirming acknowledgement of this letter, is in violation of the FDCPA. a response from your company you are violating my rights as a consumer to cease and desist. To ensure compliance with this letter and complaint, you are advised to send written reply stating, confirming and complying with the demands of this cease and desist as well as a response to this complaint complying with the demands of this cease and desist. Failure to do so will act as further evidence of your infringement up XXXX XXXX consumer and legal rights. I will immediately undertake legal actions in order to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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:
Misleading and inaccurate accounts appeared from my credit report. Mostly are fraudulent Medical debts without account names and from unknown sources which also violated HIPPA and also they can't just report health information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: IL

Complaint narrative:
I opened a Cash App account and used it to buy stock in last year. However, my Cash App account balance changed to Negative on XX/XX/2020 without any reason suddenly. Then, I could not sell my stock, and could not withdraw my money anymore. I tried to contact Cash App support to sell my stock and withdraw my balance, but they told me Your account has been found to be in violation of our [ Terms of Service ( XXXX XXXX XXXX ) ] and has been closed. And they did not explain more details about it, and they never help me to solve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am trying to report scam email looking to commit fraud by having chase consumers log in with their credentials. It inevitably led me here, which doesnt feel right. 

I am not a chase member but still got the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
In XX/XX/2020, Navy Federal Credit Union open checking & savings account in my name ( as well as my ex-wife ) using fraudulent information. To address this identity theft, numerous phone calls, emails, and registered mail were used to requested a copy of the application. NFCC first said it had to be requested by the police department. After that request, they then said I would need to subpoena the information. My request is simple : provide me a copy of the application so that I and local law enforcement can perhaps identify the perpetrator or, at least, how identifying information was obtained. ALSO, provide the NFCC protocol to ascertain and verify the identity of an applicant. ( I do not qualify to NFCC membership. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I went into a TD Bank on XX/XX/2021 to deposit two checks. One for {$840.00} and another for {$30000.00}. When handing the check to the teller, I asked if the check needing to be endorsed by the other parties on the check. The teller told me no and continued to deposit my checks. By XX/XX/2021 both checks were returned, causing fees and overdrafts. I contacted TD Bank, which their phone reps told me both checks would be reissued in 7-10 days in order to be redeposited. I still have not received those checks. Ive followed up numerous times, no one has any idea where the re issued checks are. I was told any branch can re-print the checks for depositing and when I went, I only received a copy of the transaction not an actual check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: MD

Complaint narrative:
Hello Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 requested to update Automatic Transfer Authorization on my existing loan with Wells Fargo. I received the form from Wells Fargo on this date. I faxed the form in on XX/XX/2021 and received verification that the form was received. I understand that it may take one billing cycle for this change to happen. It is now XX/XX/2021 and Wells Fargo still hasn't updated the account. 

I called Wells on XX/XX/2021 and Wells informed me " there is no way we can check to see if we received the fax you just have to fax it again ''. I informed them I have the confirmation that the fax went through but Wells Fargo 's response was just to resend it again. Wells Fargo assured me that once received it would be processed in 1-2 business days.

I submitted the required form and Wells fargo is not honoring their own form and informing me they cant even verify if they ever received it or not.

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 2021-09-16 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/2021 I tried to use pal pal credit to purchase an item from XXXX. When I tried to use pay pal to purchase the XXXX app froze and would not complete the purchase. I got ahold of a pay pal customer service rep to rectify the problem they said there was nothing they could do to complete the purchase and instead directed me to XXXX site representatives. I did contact XXXX however, they offered no solution to the transaction not processing and directed me back to pay pal. Over a period spanning the next week I spent no less than 20 hours trying to get the problem fixed. I never received the item and to this day the item shows it is still processing. I have included a complete XXXX statement which shows my purchase history and explanation to the company, XXXX Synchrony Bank ) who has determined that I am labial for the incomplete transaction. I have included my transaction history with this complaint, ( and as I did to Synchrony Bank ) and am asking that this false credit reporting be investigated. I have also talked with XXXX at XXXX several days ago who said they would " look into it ''. I should not be held liable for a faulty transaction. I received nothing as their payment would not process.

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 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Yesterday Bank of America closed my credit card. When I called them to see what the problem was I was told they could close it at any time. I have never been late on payments. I do not want my credit reporting damaged because of this. I have all statements, my next payment is not even due until XX/XX/2021

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 2021-09-16 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: OH

Complaint narrative:
I have been disputing 2 separate accounts on my credit report since XX/XX/21. Since the initial letter that I sent on XX/XX/21, I have sent 3 more letters on 3 separate occasions requesting a real investigation be completed into these accounts. The second letter was sent on XX/XX/21, the third letter on XX/XX/21 and the forth letter on XX/XX/21. I have yet to received a substantial response about these accounts. My last letter I sent on XX/XX/21, I requested the method of verification for these accounts and have not been provided that information which is a violation of my rights with the FCRA. I feel like my request are being ignored. There are clearly errors regarding both accounts if anyone really took the time to do a real investigation. I have the right to complete and accurate credit report. And it is worth mentioning that I was affected by the Equifax Data Breach which is all the more reason that my credit report be completely accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent Experian notice of Identity Theft with instructions to block the information. 
Experian removed the information which is evidence of violations of 15 USC 1681e. 
Experian reinserted information which was known to be in connection with identity theft after removing said information from my consumer file. I have not seen or been presented with evidence showing proper notice was made for the reinsertion of the information which is a violation of 15 USC 1681i ( a ) ( 5 ) ( C ).

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 2021-09-16 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
they keep calling everday none stop i told them that i gotten in touch withXXXX and they said that they did not send anything to collection agencyi explain to XXXX  that they have my address and now they are calling my mom house how did they get her phone number so now i am stuck with this collection agency calling everyday what do i do now

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Issue : I have no reasonably fast way to unfreeze my credit with TransUnion I have been able to unfreeze my credit with XXXX and XXXX, but not with TransUnion. 

I froze my credit years ago with all 3 credit bureaus. At the time, I obtained a PIN for each account. 

***I AM REFINANCING MY HOME AND THIS IS AFFECTING THE RATE I WILL PAY TO REFINANCE AS I CAN NOT UNFREEZE MY CREDIT*** XX/XX/21 : I go to TransUnion 's website to unfreeze my credit report. I have a username and password. TransUnion requires a temporary pin to be sent to an email address to login. They do not send the temporary pin and I end up having my account suspended trying to login. 

XX/XX/21 : Email is sent by TransUnion telling me how to unlock my account. I have to email them a copy of my ID, but first you have to call them to get a reference number. I call to get a reference number but they have no available associates. I have not received a call back through their automated system and there is not reasonable way to reach them. 

XX/XX/21 : My credit is still frozen with TransUnion. My account is still locked. There is no way to reach anyone in a reasonable amount of time. This is an issue for individuals having technical difficulties with TransUnion and is resulting in individuals not being able to access their credit in a reasonable amount of time. 

Thank you

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 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Someone opened a fraudulent account under my name without my authorization and made charges. As a result, my credit score has decreased substantially and I now have derogatory marks on my credit report.

Company response to consumer: Closed with explanation