vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CA

Complaint narrative:
My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX Discover Bank and XXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I would like to make a complaint against TD Bank. XXXX of XXXX I was in the overdraft of - {$4.00} and I could not make it to the bank month of XXXX I had COVID on XX/XX/XXXX and still had covid XXXX more weeks in XXXX. On XX/XX/XXXX I went on my web banking that day and it says I could make arrenments with TD Bank, my mother that day went to the bank in XXXX XXXX NY and deposit {$55.00} in my account and it was kept open. 

Today XX/XX/XXXX I got my statement and it says that TD Bank closed my account on XX/XX/XXXX the day my mother deposited {$55.00} in my account and I login to my account today and the account has been closed. I called their recovery Dept and all they want me to do is enter the ext number of the person I am trying contact. 

I am very upset that TD Bank did this to me why would they closed my account after my mother deposited {$55.00} in my account, did TD bank wanted me come into their branch while having COVID and spread it to other people? It is by law that if I have or had XXXX and could not make it into a branch or make payment they have to waive it. I could not call TD Bank month of XXXX I had wicked coughing attacks did they want me to cough in their ear over the phone? I was very sick that I oh most went to the ER. 

This is not first time I ran into problems at TD Bank I gave my mom my debt card/ATM Card so she can put money into my account and she has been for XXXX years no problem depositing money into my account at the teller. XXXX day last fall the new bank XXXX in XXXX XXXX screamed at my mother for having my card and the bank XXXX screamed where everyone in the place could hear her and she threaten my mom she could go jail because its federal law. First all if I gave my mom permission to use the card it is not crime. When I talked to this bank XXXX over phone she was very rude to me. 

Now I am running into another problem at TD Bank with my account being closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian stated they removed a fraud alert without my consent. To my knowledge, this never happened, nor did I give permission, consent, or authorize a fraud alert 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 non-monetary relief
Consumer complaint received 2023-01-19 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: PA

Complaint narrative:
UNITED STATES CONGRESS states EQUIFAX is an elaborate mechanism who ASSUMED its role to furnish a report on my behalf under 15 USC 1681. ( The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and " unfair '' credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX is supposed to have my written consent to to obtain my private information to make a report. THEY DO NOT HAVE MY WRITTEN CONSENT. The UNITED STATES CONGRESS states under 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The UNITED STATES CONGRESS has DEMANDED EXCLUSION OF ACCOUNTS relating to transactions or experiences between the consumer and the person making the report. Why re you EQUIFAX violating the UNITED STATES CONGRESS as well as the FCRA and destroying my confidence in the banking system?? I did request verification on any account I DEMANDED you exercise your grave duties with RESPECT to the consumer and CONGRESS LAW, instead you conducted a FRAUD re-investigation took over 45 days and have NOT provided names, address and phone numbers of those you are required to personally interview as REQUIRED BY CONGRESS. EQUIFAX is in DISHONOR and is not PERFORMING their GRAVE DUTIES accordingly.to the UNITED STATES CONGRESS and is liable under 15 USC 1681n and 15 USC 1681o

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My XXXX  credit file has no credit score. Which it had before. I got scammed by a company last year that had my social and all personal information and nothing was done about it. There are things on my credit that are older than XXXX XXXX XXXX. I mean they just dont care and they break credit laws each and every day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TX

Complaint narrative:
My equifax credit file has no credit score. Which it had before. I got scammed by a company last year that had my social and all personal information and nothing was done about it. There are things on my credit that are older than 7 years old. I mean they just dont care and they break credit laws each and every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian stated they removed a fraud alert without my consent. To my knowledge, this never happened, nor did I give permission, consent, or authorize a fraud alert to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: NV

Complaint narrative:
On XX/XX/2022 i sent Transunion a certified letter because Transunion reinserted an account back on my credit report after removing it. 
15 USC 1681 ( b ) ( i ) Certification of accuracy of information if any information is deleted from a consumers file pursuant to subparagraph ( A ) The information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information " CERTIFIES '' that the information is complete and accurate. 
I have requested a description of the procedures used to determine the accuracy and completeness. I also requested a copy of the " Certification " received by the furnisher. 
XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  XXXX # XXXX Transunion fail to respond to my request, they updated my account as verified. I was never given a description nor a copy of the Certification. 
I was completely ignored, my concerns were not meet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 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: OneMain Finance Corporation
State: NY

Complaint narrative:
Main financial has reported a charge off to consumer reporting agencies which is illegal because a charge off is considered cancelled debt and cancelled debt to the IRS is income. Income can not be reported on my consumer reports. Also I never have them written permission to furnish anything on my consumer report which invades my privacy. Other companies seeing this can damage my reputation and can cause emotional and other types of damages which is defamation. Not only is main financial reporting something they arent suppose to they are committing tax fraud as well. In the finance charge it states if I default then they will get paid in insurance money. Putting the account as a charge off is stating I defaulted in the money which means they got paid there insurance money and they also received a tax write off as well. They dont want to send me a 1099c so I can report this income to the irs . So I will be making a compliant also to the irs which will make them send me the 1099C that they have to send me. 15USC 1681 - explains how anything furnished on my report must be because I did a written authorization for it to be reported in my report. I never authorized this to be furnished in my report. As far as I seen this has been furnished to XXXX, XXXX, XXXX XXXX  XXXX I am still waiting on the order of other consumer reporting agencies to see if the charge off is reported there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My wife handled all of our bill paying up until she XXXX  last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), Midland Credit Management XXXX XXXX Bank and XXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian stated they removed a fraud alert without my consent. To my knowledge, this never happened, nor did I give permission, consent, or authorize a fraud alert 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I bank with Truist and I had used the cash reserve that they offer with my checking account & I went in to pay the amount due ( {$38.00} ) on XXXX. I got an email confirmation stating that I would only be charged the {$38.00} with the pending date of XXXX. 

I then went back into my account to continue paying other bills & noticed that they took out {$600.00}. This caused my account to be in the negative over XXXX XXXX 

I immediately called the fraud/dispute number for the bank and they told me that since it was a payment to Trusit directly there was nothing they could do so I would have to call the customer care line. 

Once I hung up with them I had to wait a few minutes to call customer care since they did not open until XXXX and it was currently XXXX am. on XXXX. 

Once I was able to call customer care around XXXX on XXXX, I spoke with someone and they kept putting me on hold over and over again. I ended up on the phone ( mostly on hold ) for about XXXX mins. He proceeded to tell me there was nothing he could do for me until the charge has posted to my account. Then told me that any overdraft fees I would incur I would have to pay them. 

So at XXXX on XXXX I went to my local branch to see what I could get done there. 
The lady that helped me there was not able to help so she called someone who trasfered her to the customer care line. Finally got someone then and they looked into my account and looked at all my information and then told me that he could not do anything for me, not even reverse the charge because the payment had already posted to my account. He then asked me if I was about to put the XXXX back into my account out of my own money so that i would not be in the negative. I told him no because i had just gotten paid this morning and i only got paid XXXX and they took out XXXX. 


This is also causing me issues to pay my bills & may cause my {$400.00} car payment that i paid this morning to bounce. 


He then told me there was nothing else he could do to help 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 explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am writing to complain about my credit being ran following providing all the information requested from Discover Financial. They said I did not provide everything required but I did and did so on a follow up in a timely manner. When I followed up with Discover they indicated that the archived request would require another application for a change and their supervisor available said they understood why another complaint should be issued. Her name is XXXX and available XXXX XXXX XXXX XXXX. I feel I am being descriminated against for being XXXX or living an area they do not want to lend to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: CA

Complaint narrative:
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 


I have sent this complaint to Experian, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was sent a denial letter on XX/XX/XXXX, to get a new American Express credit card. I have good credit after having to file bankruptcy in XXXX when I lost my only son in a car accident and going through a XXXX-year divorce. I had no other choice but to file for bankruptcy, I couldn't work or do anything after my son died it took me down as a human being, no mother should ever have to go through that. I believe that I am being discriminated against because of the grief of my son and a hardship I was going through at the time I had to file bankruptcy. I have proven that I am a responsible person by working hard to get my credit back up to over XXXX score and paying my bills in a timely manner, so to be denied and discriminated against because I lost my only son is wrong. I know for a fact that there are many people that have filed bankruptcy and have gotten another American Express Card. How I am being treated is wrong, I should not have to continue to be made to feel like a failure for something I had no control of. I would like to see how the CEO 's can go through such a traumatic event and it not affect their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I was told if I open a account I will be deposited {$200.00} and I never got it. I was charge way to much ATM fees and my card took money out my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
It was an inheritance account of around XXXX XXXX fees were extremely high and I would like a further look to see if I was charged justly. There was little to no action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I filed an identity theft with Transunion case # XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
Accounts : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Transunion has failed to investigate and remove these items from my consumer report. XX/XX/2023 they responded with a letter saying that's these accounts are verified which is a violation of my consumer rights. 
See documents attached below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX, XXXX and EXPERIAN the credit companies are not complying with their own policies in a timely manner.

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