vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is an unauthorized inquiry on my credit report that was obtained fraudulently. 

XXXX XXXX XX/XX/20

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 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
got a call from from chase fraud support about y card application. took forever to get to someone, and when I did, no one know what they were talking about or why i was called. took 10 minutes to talk to someone because their phone system XXXX. still have not recieved card and it has been longer than they say, and keep telling me to wait another day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
At XXXX XXXX on XX/XX/2020, I went to a full service TD ATM machine inside a TD Bank at XXXX XXXX XXXX XXXX, XXXX, CT XXXX. I deposited {$200.00} in cash then followed another cash deposit transaction of {$250.00}. However, the ATM machine gave me back {$80.00} and kept my {$170.00}. When I logged into my TD Bank account, I saw that the {$200.00} came through, but the {$170.00} did not and was only showing " XXXX '' instead of " {$170.00} '' I tried calling a TD customer support but could not reach anyone. I preceded to call the XXXX Police Department to inform them of the situation and suspicion of a fraud activity. Officers XXXX and XXXX were at the scene. But informed me I should go to the bank the next day ( XX/XX/2020 ) so that I could talk with someone. I arrived at the bank the next day ( XX/XX/2020 ) and the teller issued me a new debit card but I was unable to retrieve my original ATM card. The teller ( XXXX? I think that'a her name ) filed an ATM dispute and stated that the funds will be issued in " 10 days. '' I have solid proof that I made 2 cash deposit transactions and would like my funds be available at my account, not 10 days. 
So at this moment, I still need my {$170.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a complaint yesterday and it is available by reference to complaint number XXXX. As of yesterday the problem included not only the hold on {$14000.00} of deposited funds but overdraft charges made to lower my family 's account by over {$9000.00} when we had not overdrawn our accounts and the absurd act involving the back charging one account without crediting the other. In addition, the bank had added an additional charge for {$10000.00} to record more funds being held when we had not made another {$10000.00} deposit. This put my account in the negative to the tune of {$23000.00} and my wife 's account in the negative for a sum over {$7000.00}. 

This morning thebans 's overdraft transactions have been reversed so my wife 's account is in a proper balance but still the bank is holding two deposits - one made in the amount of {$10000.00} 0n XX/XX/20 and another for {$4000.00} made on XX/XX/20. On my original ATM deposit receipt for the {$10000.00} deposit, the schedule for releasing my funds was stated as adding to my account {$200.00} on XX/XX/XXXX ; {$400.00} on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; and finally {$5000.00} on XX/XX/XXXX. On that schedule the bank will have held half my deposit for a total of 14 days. On my account checking on line, the bank now says that it will be holding {$9000.00} until XX/XX/XXXX. 

Does the bank have the authority to change their commitment mid-stream and keep holding my money? I am certain that the original check has cleared the issuing bank ( XXXX ) so there is no legitimate reason to keep holding my funds. No one above the branch manager for SunTrust will talk to me about my issues. I have emailed the Executive Vice President of SunTrust, XXXX XXXX, twice but he has not responded. I need your agency to hold the bank responsible t release my funds.

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 2020-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: A & O Recovery Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I got 3 calls from 2 different numbers from a debt collector called A & O Recovery for a place called XXXX. I advised it was XXXX XXXX and hung up. The lady called twice and threatened a wage assignment and i asked her to call back at the legal time. I have never received any mailing or documents stating i owe a loan or even who the company is but Im being threatened for a wage assignment. I dispute this debt as i never had a payday loan.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: MD

Complaint narrative:
I signed up for a XXXX XXXX  membership thinking it will be fun, and I and my family will have a great time. It was the worst experience ever, so, I sent an email with a complaint on how awful our experience was and asking if please I could cancel my membership as I would never be coming back. They apologized and told me my account was in good standing, so, they would go ahead and cancel my membership. ( I still have the email ) I was happy and never heard from them again. 

Months later after all this, an account collection appears on my XXXX  credit report from MidWest Recovery claiming to try and collect my debt from XXXX. To this point had no idea I was in collections, and I have never heard from MidWest before this. I went to dispute it with XXXX  right away told them my membership was canceled or at least that is what XXXX told me, and that I had no idea why this collection account was being added to my report. The said they investigate, and just updated the amount of the debt. How can I still have a debt for a membership XXXX  claimed to go ahead and cancel? Why have I never been contacted? Why I have not even received a letter in my mail to make me aware of this before putting something on my credit report? 

Worst customer service on behalf of XXXX, and worst customer service on behalf of MidWest recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Go Capital Holdings, LLC
State: GA

Complaint narrative:
My car was repossessed. The lender did not let me know what will happen to the car. State law requires them to tell me when it will be sold at public auction, state law requires that the creditor tell me the time and place of the sale so that I can attend and participate in the bidding.If the vehicle will be sold privately, I had the right to know the date of the sale.Georgia has a consumer protection law that allows me to reinstate my loan which they denied. The creditor failed to resell my car in a commercially reasonable manner. I plan on claiming against this creditor for damages or a deficiency judgment. The creditor tkept or sold my personal property ( a new car battery, a XXXX bbq grill ). The creditor did not tel me what personal items were found in my car and how I can retrieve them. The creditor didn't use reasonable care to prevent anyone else from removing my property from the car. This creditor cant account for articles left in my vehicle. After I requested them remove the repossession form my credit, they sent me letters to try and be in conformity with the law. My XXXX credit report reflects a closure date of XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I received an email from Citi XXXX XXXX offering to raise my credit limit with no impact to my credit score. I proceeded with the link in the email and they raised my credit limit then asked if I would like an even higher credit limit and if so how much. I put in XXXX and hit submit unbeknown to me this request in fact did pull a credit report and put a permanent hard inquiry on my report.

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 2020-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
On Thursday, XX/XX/2020, I got a call at XXXX XXXX  from a number I did not recognize ( XXXX ) XXXX. When I answered the phone a male on the other end told me he was calling in regards to an auto loan I had with Santander bank eight plus years ago ... he informed me he was calling to save me from being served with a summons to appear in court about he " thinks '' an XXXX  I had through Santander. I informed him that if he " thinks '' he's calling about an XXXX, then he's not someone I need to speak with. He proceeded to reiterate he'd be serving me with a summons to appear in court, and when I responded, " that's fine '', he responded, " you're an XXXX '' and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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:
upon checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.

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 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2020 I signed up for TransUnion credit monitoring services. When signing up, they requested a credit card, which I presume was to be used to verify my identity or look up my credit score. Instead, I was charged {$26.00} without my knowledge for services I presumed would be free ( such as free credit scores or credit related services ). No where during the signup process was it ever disclosed I would be charged {$24.00} plus tax.

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 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My wife and I opened a capital one Venture card about 6 months ago and capital one abruptly and unexpectedly locked our account because they said they needed verification of my ownership of the account I pay the credit card from. I reached out to my local bank ( XXXX ) and was advised that I should not send them an account statement due to capital one 's recent data breeches as well as it just being a generally stupid idea to send sensitive account information over the internet. Capital one then suggested that they speak with XXXX directly which they did twice on two different occasions with 2 independent employees. Capital one said this should be all they needed, however I was informed 2 weeks later that this was not sufficient and that I still needed to send a statement to verify my account. Then I sent a document prepared by my bank that confirmed ownership of the account which included transaction numbers dates of payments ect. Capital one stated that this too should be sufficient but To date, I can not close my account or make any changes to it because my account remains blocked. Capital one is completely resistant to helping get this issue resolved as it seems they are intent on keeping me hostage with an account I can not use or close.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: TX

Complaint narrative:
I received an email from XXXX XXXX XXXX offering to raise my credit limit with no impact to my credit score. I proceeded with the link in the email and they raised my credit limit then asked if I would like an even higher credit limit and if so how much. I put in XXXX and hit submit unbeknown to me this request in fact did pull a credit report and put a permanent hard inquiry on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: GA

Complaint narrative:
upon checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.These accounts have to be removed.

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 2020-02-20 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:
upon checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.These accounts have to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I sent my XXXX payment on the XXXX and on the XXXX of XXXX I was notified that Freedom Mortgage did not receive the payment. I went to my bank and filled out paperwork and they verify that the check was never cashed. I had another reissued and sent it. Within that time, it went past 30 days and they reported it to XXXX XXXX and XXXX which resulted in a drop of 70 points on my fica score. They also sent a letter notifying me that I have been appointed a single point of contact????? They also said that I was behind 2 payments which was not the case. I called on XX/XX/20 and the recording said my next payment due is XX/XX/20. Three things took place ; a lost check resulted in the situation I m now in ; my original check was sent on time but because it was lost I now have a delinquent hit on my credit report resulting in a 70 point drop! The letters sent are for someone experiencing difficulties with paying their mortgage which I AM NOT! My payment history with all debt before this was on time and no problems. This was taken too far and for reasons that benefit Freedom Mortgage only! If I have another issue I understand that they can increase my interest rate by a point????? The drop in my fica score in extremely unfair and not warranted. The XXXX  and XXXX XXXX needs to come off. I have records of discussions with Freedom

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 2020-02-20 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: MI

Complaint narrative:
XXXX XXXX XXXX is reporting a paid off debt from XXXX XXXX XXXX  XXXX. 

XXXX XXXX XXXX was Paid off a long time ago XX/XX/XXXX- XX/XX/XXXX. Acct # XXXX XXXX XXXX XXXX began reporting XX/XX/XXXX that I still owed XXXX  XXXX ... Acct # XXXX. 

I reported to Experian that this is incorrect and asked for an investigation. Experian disputed said debt and claimed that it is resolved and I disagree. This is still on my credit report showing as I owe {$450.00}. 

XXXX XXXX XXXX and Experian will not return any evidence showing validity of debt or why in XXXX this is being reported when debt was PAID in XXXX. 

I have uploaded statements and proof of debt being PAID and neither company will fix this.

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 2020-02-20 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via transunion interactive XXXX XXXX online information services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses
FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.

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 2020-02-20 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX via transunion interactive XXXX XXXX online information services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: WI

Complaint narrative:
Collection was sent to LJ Ross but when service was reactivated at new address the debt was sent back to XXXXXXXX XXXX  and was resolved through XXXX XXXX. LJ Ross kept giving the run around and was not helpful at all. Spoke to 10 different people, kept getting transferred and very rude customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: OH

Complaint narrative:
I ask capital one for a credit increase last week on XX/XX/2019 and my credit increase was decline due to unfair practices with this bank. When I contacted the Bank on XX/XX/2019 I was rudely treated by a customer service agent with a high language barrier, so I asked to speak to a supervisor and she was so awful and rude and she also mention that she could not explain to me as to why my credit line increase was not granted. I also ask her to review the letters that the bank send to me and she was not able to see that from her side. I was like how can you not see what your bank send me. this is terrible service and the was I was treated was terrible. Capital One need to improve their customer services and train the leaders better,. My credit score is XXXX and I have 15-20k credit limit with other bank. Only Capital one was the one that decline me an increase for a silly reason. I will be closing this account if I don't get my credit increase.

Company response to consumer: Closed with explanation