vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank has misplaced my payment for an account, inaccurately reported my account as 30-days past due, and despite its own recognition of its error and compelling evidence I have submitted, refuses to correct my credit report, despite several attempts to resolve this issue. I believe this behavior is a violation of the Fair Credit Billing Act, the Fair Credit Reporting Act, and other consumer laws and regulations, and seek immediate remedy from the Company. In the Fair Credit Billing Act, I would point out the following provision in the Federal law : " 164. Prompt crediting of payments Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligor 's account as specified in regulations of the Board I have submitted proof that I mailed payment to TD Bank on XX/XX/2022, which according to the USPS was delivered by XX/XX/2022. I was not credited until XX/XX/2022. This is in no way a prompt posting of my payment, and is therefore not compliant with the Fair Credit Billing Act. The Bank is violating a second law, the Fair Credit Reporting Act, which states : " 623 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' The Bank, after my XX/XX/2022 phone call, after previous letters, and certainly after today 's complaint, has had more than reasonable cause to conclude that my payment was not 30-days late, as it reported. Rather, the most likely outcome was that my check, mailed promptly and in good faith on XX/XX/2022, arrived to its processing center well before the due date of XX/XX/2022. Therefore, as per the Fair Credit Reporting Act, the Company has a legal obligation to correct this record with the consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AR

Complaint narrative:
The Biden Administration DOE stated in XXXX of XXXX that you may contact your loan servicer to request a refund of any payments that you made during the payment pause. It is also posted on the studentaid.gov website. With this information, I requested a refund for a {$2000.00} payment that I made in XXXX since I found out that the payment pause would count towards my PSLF payments anyway. I requested this refund in XX/XX/XXXX in writing through my portal. I did not hear from them and sent ANOTHER email over a month later in XXXX asking for the status of my request. I finally received an email XXXX months later in XX/XX/XXXX stating my refund request had been submitted and I would receive my refund within XXXX days. Fast forward to now ( almost 90 days later ) and I emailed them asking for the status of my refund. They emailed me back today and informed me that my loans had been consolidated on XX/XX/XXXX so I don't qualify for the refund. This can not be correct for several reasons : XXXX. I requested this refund well before I consolidated my loans. 

XXXX. Nowhere on their website or on studentaid.gov website does it state that it even needed to be done before I consolidated. Not that that matters because I still requested it before I consolidated. 

XXXX. I had tried several times to contact Mohela over the phone and by email and it is not my fault that they didn't process the request before my consolidation. I requested this as soon as the DOE allowed us to request the refund. 

No where was I ever told that it had to be done before my loans were consolidated. Also, had I waited to consolidate my loans until I receive my refund then I wouldn't have been able to apply for the PSLF temporary waiver to get into the program. That program had a deadline in XXXX. 

I also went on the studentaid.gov website TODAY and looked again at the requirements for the refund of payments. No where on there does it say anything about needing to be done before consolidation. This does not seem very transparent. I am attaching screenshots for reference. 

This is unacceptable to me. I have spent so much time constantly emailing this company and trying to call. I once waited over 80 minutes for them to answer my call only to have them hang up immediately. Why should I not be allowed my refund that is due to me because they are backlogged on their processing times, thus pushing my refund approval until after they conaolidated my loan? I submitted the request in plenty of time for them to refund my payment before consolidating my loan. 

I would also like to note that Mohela had my old loan before consolidation, I was only adding a loan to my already consolidated loans so that it would be included in PSLF. 

This is unfair and frankly, it should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: FL

Complaint narrative:
Account Name : XXXX XXXX  Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlantic Recovery Solutions LLC
State: NE

Complaint narrative:
Atlantic Recovery Solutions contacted me by phone on XX/XX/XXXX regarding a debt that they say I owe to XXXX XXXX XXXX in an amount totaling {$3900.00}. I asked representative XXXX XXXX to send me information by mail regarding the amount in question. He stated that they are not able to send me anything by mail, but " assured '' me it was a valid debt. He sent me a generic email with only the amount of the debt, their account number for me, and their phone number, with no disclosure that I have 30 days to dispute the debt. He also gave me the phone number to XXXX XXXX to call if I want to verify the debt, which only led me to an answering machine. 
I sent Atlantic Recovery a debt validation request letter on XX/XX/XXXX, which I have documentation that they received on XX/XX/XXXX at XXXX. I have received no response and they have continued to call me every day. I called today XX/XX/XXXX, to state that they need to stop calling me, and spoke to XXXX XXXX again. He claimed that they mailed the information I requested on XX/XX/XXXX, which I have not received. He also claimed he has record of speaking to me on XX/XX/XXXX, which is untrue. I told him that they violated the law by not sending the requested documents after the first call on XX/XX/XXXX, that they still have not sent me anything, and that by law I have 30 days to dispute the charges once I receive the documents. He told me that is not true and that they will be continuing to call me. At that point I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2022-12-30 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: FL

Complaint narrative:
Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Good evening, To whom it may concern, My name is XXXX XXXX XXXX, XXXX executor, secured party, creditor and sole living heir to the XXXX XXXX XXXX XXXX XXXX 

I have contacted Experian numerous times using various methods of communications both written and verbal. My efforts have Been ignored, laughed at, discriminated against, mocked, and by them doing so has caused me pain and mental anguish. The unauthorized use of my private information by EXPERIAN and it's third party associates has not gone unrecognized and I must point to proof of such unauthorized inquiries and accounts. 

EXPERIAN has misled me to believe that they are a Credit Bureau which is in fact the opposite. According to 15 USC 1681a ( d ) ( 1f ), EXPERIAN is a Consumer reporting agency and a Consumer Reporting Agency means any person which, for MONETARY FEES, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

Based on the scope of the definition, it clearly indicates that EXPERIAN is in the business of buying and selling consumer 's private information to third party vendors. Which would make them some sort of financial institution and also dealing in securities and exchange. 

Being a XXXX XXXX XXXX and not a vessel of the United States. It is my right to demand access and assess all accounts and contracts that all U.S Corporations has established with the XXXX XXXX XXXX XXXX XXXX without my written consent. That also includes EXPERIAN. 


The Freedom of Information Act ( FOIA ), the Privacy Act at 5 U.S.C. 552a ( b ), section 1106 of the Social Security Act, codified at 42 U.S.C. 1306, and SSA regulation at 20 C.F.R. 401.100 provides legal authority for disclosure of SSN verifications from SSA records.

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 2022-12-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Tried to deposit check # XXXX for {$670.00} on XX/XX/XXXX at ATM at Wells Fargo. ATM malfunctioned and ate check. ( It didnot credit my account. ) Asked my customer to place a stop payment on check # XXXX and issue me another check # XXXX for same amount. 

Deposited check # XXXX on XX/XX/XXXX and successfully credited my account. 

On XX/XX/XXXX, bank issued a provisonal credit of {$670.00}. 

On XX/XX/XXXX bank, a returned check # XXXX in amount debited from my account. 

On XXXX, a reversal of provisional debited my account in the ampunt of {$670.00}. 

Note : Provisonal credit and an actual check deposit are not the same thing. There was never an actual deposit for check # XXXX. I have copy of returned check. Ive filed XXXX claims with Wells Fargo. They could not find a copy of check # XXXX or any letter that was sent. I have gotten local branch banker in XXXX to get involved. We sent proof of returned check and letter received in mail. Local branch agrees either returned check debit or provisonal debit should not have occurred on account. Two debits and two credits on account with no accounting for a check of {$670.00}. If check # XXXX, never register or was credited on account so how can there a return check debit? This would cancel any other check such as # XXXX on the account. A provisonal credit and debit occured together so those cancel each other.

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 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I lost everything I have save through a scam that was carried out on Coinbase. 
I have my money wired to Coinbase and used in a scam that resulted in losing everything. 
Coinbase charged me transfer cost but refused to protect me from being lured to some scam on the XXXX XXXX XXXX through their Wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation.

15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

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 2022-12-30 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation.

15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

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 2022-12-30 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: GA

Complaint narrative:
15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation. 

15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX, and Transunion has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Accounts XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX are in violations. 

According to 15 USC 1681i XXXX, TransUnion, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account XXXX Acct # XXXX has be verified as accurate and updated but yet hasnt updated status as disputed and XXXX has the account listed as open when its closed. Evidence provided 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 2022-12-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Equifax, and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Accounts XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX are in violations. 

According to 15 USC 1681i XXXX, XXXX, and Equifax shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account XXXX Acct # XXXX has be verified as accurate and updated but yet hasnt updated status as disputed and XXXX has the account listed as open when its closed. Evidence provided below

Company response to consumer: Closed with explanation