vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Dear Sir/Madam : I contacted XXXX  and they advised me that my refund was already returned back to my account in the amount of {$150.00}. My questions is why is M & T Bank not posting these funds to my account, why are they holding these funds and when will they be available? I was given a bank reference number of XXXX Also, if they are holding these funds from XXXX then, I would like to know if M & T Bank is holding my check I am anticipating a from the Internal Revenue Service in the amount of {$2800.00}. I would like to know if, you have received these funds and when do you plan to make these funds available? 

i sent M & T Bank and email and I called on XX/XX/2022 at XXXX and my call was dropped. i called back on XX/XX/2022 at XXXX and the representative stated that she does not see a refund to 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 2022-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Midland Credit Management and XXXX XXXX XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. Midland Credit Management, XXXX XXXX XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX XXXX XXXX transferred the account in reference without lawful authority to Midland Credit Management which is a violation of code 18 USC 1028 ( a ) ( 2 ). Midland Credit Management obtained my nonpublic personal information by illegal means. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Midland Management and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Midland Credit Management does not have actual authority for such use and from which I received no benefit. Without lawful authority, by using means of my identification Midland Credit Management is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Midland Credit Management that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship MIdland Credit Management has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I have scheduled an appointment with XXXX XXXX in XXXX XXXX XXXX XXXX to get my XXXX XXXX looked at because of possible transmission issues. I called on XX/XX/2022 to get a status update on my vehicle and there was no answer. I called again and there was no answer. I even left voice messages. On XX/XX/2022 I went online and was able to chat with the other XXXX XXXX company to ask if they were open. XXXX, reached out to the XXXX XXXX location to have someone call me back. Someone called back and said that my vehicle was done and that they would test drive it again and call me for final payment and to pick it up. I received my XXXX back on XX/XX/2022. I notice that there was some noise coming from the front and the back of the vehicle and then I called them on XX/XX/2022 to let them know. They ask me to bring the vehicle back on XX/XX/2022. I told them that it sounds like something was loose still and took it back on XX/XX/2022 XXXX XXXX XXXX  and got it back the same evening and I was told that they tighten everything up and that the manager said that he would drive the vehicle to XXXX to assure me that it was fixed. Then on XX/XX/2022 while in XXXXXXXX XXXX, I smelled antifreeze, and then it poured out literally so I had to get my insurance company to tow the vehicle to my house and then make an appointment to XXXX XXXX for XX/XX/2022. I then had to get another tow to the XXXX dealership. XXXX also called XXXX to let them know about the leak on XXXX XXXX I had to get my coolant lines repaired that connect to the transmission and asked that they tighten everything up, and asked if they could tell me if the transmission was replaced. They said that they really couldn't tell me that unless they took the shell part off but that there is definitely an issue with the transmission and that they had some questions about what was supposed to be done. He told me that I would more than likely be needing a new one. Upon me picking up my vehicle from XXXX, I stopped past XXXX unannounced and asked for my invoice and for him to show me a copy of the receipt where he was supposed to have purchased a refurbished one he couldn't produce the receipt because he didn't have it, and I asked him to take a picture of my old one and send it to me, and he didn't do that either. I have a recorded conversation about this and I used a voice-activated record for proof. So basically I paid for a service that I was not satisfied with because they ripped me off. I presented the documents to both of the credit card companies and one gave me my money back and XXXX denied it for some reason. I am looking for a full XXXX refund.

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 2022-11-14 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: TN

Complaint narrative:
Ive got hard inquiries on my credit report that I didnt have anything to do with. The first one out of many is XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I also got some more that Im trying to get together. I just now check my credit because Im trying to get a loan to buy a house and this is the first time Ive checked my credit in more than 4 years. Can I get these and the other one taken off my hard inquiries on my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Ive got hard inquiries on my credit report that I didnt have anything to do with. The first one out of many is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I also got some more that Im trying to get together. I just now check my credit because Im trying to get a loan to buy a house and this is the first time Ive checked my credit in more than 4 years. Can I get these and the other one taken off my hard inquiries on my credit?

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 2022-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I visited the XXXX  XXXX XXXX XXXX on XXXX XXXX VA for my appointment to speak with a Merrill Lynch representative in an attempt to change the name on the check from my maiden name to my married name as the account was closed and liquidated. I previously attempted to cash the check but was not successful as it is written to my maiden name. I came to the appointment with my marriage certificate and drivers license and they were unable to help even though they issued the check.

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 2022-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX Account # : XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$2600.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$940.00} Date Opened : XX/XX/XXXX XXXX  BANK Account # : XXXX Balance Owed : {$24000.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$10000.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Hello Digit, LLC
State: NY

Complaint narrative:
I am a customer with Digit/HelloDigit, the savings application. On XX/XX/XXXX, I had a little over XXXX in my account ( between a couple of goals set ). This money was earmarked for a medical expense, for which a deposit must be paid by this Friday. On Saturday, I checked to ensure the money was there, and over XXXX of the funds were gone. I have attempted to contact Digit numerous times through email ( they do not have a customer service number ) and have heard nothing back. In addition, they did not reach out to me when this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: MD

Complaint narrative:
To whom it may concern, It appears that Capital One is reporting previous late payments on my consumer report. Per the XXXX XXXX, I am requesting an update to paid as agreed because these payments were furnished after XX/XX/2020 during XXXX. 

I appreciate your cooperation and timely response to assist me as a loyal customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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: FL

Complaint narrative:
XXXX XXXX does NOT report anything positive on the credit report since it is considered a business card but the ssn was used in order to obtain a credit card. When called, both times, the representative stated that the accounts are reported to XXXX & XXXX. However, XXXX XXXX reported an inquiry on the personal report without consent. 

A letter was sent to the XXXX, XXXX XXXX, demanding the removal of such inquiry and they denied it, stating it was done according to the contract. 

This is untrue because according to the Credit Reporting Act 15 U.S. Code 1681b, it unlawful to obtain a credit report/inquiry from XXXX, XXXX, Equifax, XXXX without authorized and permissible purpose under the FCRA. 

A letter was sent demanding they remove the inquiry and pay {$1000.00} fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: MS

Complaint narrative:
I did a 0 % balance transfer on a Community Bank credit card in XX/XX/XXXX. The zero interest was supposed to be for 24 months-or until XX/XX/XXXX. I continue to make a few monthly purchases with this card and notice I have been charged interest over the last few months. My last statement I had purchaes in the amount of {$850.00} and I made a payment in the amount of {$1500.00} but was still assessed an interest fee of {$10.00}. I am paying almost double the amount of the purchases each month but still being assessed an interest fee. I called the company today and was told that even though I am paying over, the overage is going to my zero percent balance transfer, and I am being charged interest on my purchases. This is very misleading. I feel that this is an unfair and deceptive practice. Any reasonable person would assume if she is paying more than the purchase amount, she would not be charged interest on the purchases. I was told by the representative today that I would be better off not using the card for purchases. She told me to refer back to my balance transfer agreement ( which is in very fine print ).

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 2022-11-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
XXXX HAS LISTED THIS FRUADULENT ACCOUNT ON MY CREDIT REPORT WHICH IS NOT MINE THIS IS IDENITY THEIF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are a lot of accounts which are still reported when it is clearly inaccurate and violates the FCRA. The wrong balance, date and status should be a clear example.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are a lot of accounts which are still reported when it is clearly inaccurate and violates the FCRA. The wrong balance, date and status should be a clear example.

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 2022-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-14 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: SC

Complaint narrative:
I am a victim of identity theft. I had filed complaints to Equifax on XX/XX/2022, which they received on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. I also sent a second letter on XX/XX/2022 that they received on XX/XX/2022 I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

Company response to consumer: Closed with explanation