vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 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: TN

Complaint narrative:
The credit bureaus did not comply with their own policies in a timely manner. 
Please remove the negative items reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
Over several day of applying for a personal loan, I got a phone call from a guy that said his name was XXXX from lending point. After a few hours of going thru everything he said I got approved for a XXXX loan. He contacted me and said he needed to verify my bank account. He kept me on the phone as this was going on. I got Leary if the way he was trying to verify the account so while on hold I searched the company name online. Everything seemed legit, the name, the reviews were ok, he even sent like a contract thing to me with the company logo and it matched the website. I gave permission to verify my account, he was depositing money in the account and I was to verify the amounts and send back which I did they Cashapp. While reviewing my account the same amount was deposited again. I called him and he stated that his college had sent the amount back to my account on accident so I returned it to him again thru XXXX. When I returned it he said to send it to a XXXX XXXX, which I did. After he said it was all verified he said he would have the paperwork done and money deposited in my account within the hour and we hung up the phone. I checked my account again after about a half hour and there had been XXXX more deposits of XXXX and XXXX of XXXX. I immediately contacted him and told him to stop everything that I was very uncomfortable if that kind of money going thru my account. He said it was a server error that they were working on and give him some time to get it fixed and that all that would be erased as if it was never there. While I was waiting on all that to clear up I decided to check the phone number he called me from against the phone number online to the lending point, they did not match so I called the number on line. A lady answered and I asked to speak to XXXX, she said I'm not sure if there is anyone here by that name and put me on hold. When she came back she asked what he was helping me with and I told her he was helping me with a loan that he was verifying my bank account and was to get back with me and I had not heard from him in over an hour or so at that point she told me that they would never ask for my bank account information at all so I knew then that I had been scammed I immediately got off the phone contacted my financial institution told them what was going on and then I contacted cash app and reported that money being transferred as a scam they are investigating as of right now and my financial institution had me change my online user ID and password and issued me another debit card. That was the last time that I heard from anybody I contacted the guy XXXX a few days ago and told him I wanted my money and he hung up on me all I have for him is a phone number and the false information that he gave me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA on XX/XX/2021 via e-mail.

According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by The Goldman Sachs Group Inc d/b/a Goldman Sachs Bank USA adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA is now civilly liable to pay me for the damages.

REMEDY Grant me an open-end credit plan with your company or pay me {$5000.00} for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Received a call from someone acting as Wells fargo. They had me transfer funds XX/XX/XXXX through XXXX and the amount of {$3500.00} as a way to keep them from being removed from my account. Wells Fargo says the funds can not be recovered and there's nothing they can do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: GA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I transferred several thousand dollars from my personal savings account at XXXX to my personal savings account at CIT Bank. CIT would not allow me to access my funds after their 5-day holding period because they claimed the 5 business days started the day after the transfer, and they counted Veteran 's Day as a non-business day. Though CIT is open on Saturday, Saturday is also a non-business day. 

I called CIT and spoke to a second-level customer service agent. I explained why I needed the money ( to buy a house ) and asked if the money was with CIT now. The transfer had cleared, and there were no issues with the transfer. I have never had an overdraw or other negative event with the bank, I have a high credit score, and the funds transfer was domestic. There was no reason they could not allow me to access the money, they just wouldn't. 

I also asked where their business days were posted, and where their policy of starting the hold the day after the transfer was posted. They told me the policy is not posted, and their business days are not posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Collectors, Inc.
State: GA

Complaint narrative:
I AM VICTIM OF IDENTITY THEIF, I DID NTO AUTHORIZE CONSENT TO, NOR BENEFIT FROM. THEREFORE THE REPORTING OF THIS ACCOUNT IS IN ACCURATE AND INCORRECT. I HAVE REACHED OUT TO THIS COMPANY SEVERAL TIMES TO NO AVAIL. 
THEY ARE IN VIOLATION OF 'THE FAIR DEBT COLLECTION PRACTICE ACT '. 
THEY ARE IN VIOLATION OF " Fact, affiant is aware that XXXX XXXX, has violated my rights under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
A 1099-C cancellation of debt was sent to the alleged account holder from XXXX XXXX XXXX XXXX for charge off debt to be filed on tax return as earned income. By law, it can not be listed on alleged account holders credit report as a debt. According to the FCRA, this is an inaccurate account. Income filed on tax returns can not be deemed as debt. This account should be removed from the credit 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 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021 there was a Breach for XXXX which i was apparently part of. On XX/XX/XXXX I received an email from XXXX XXXX regarding 3 accounts checking, savings and money market in my name that were opened. I did not open them and i contacted their fraud department. Yesterday I received a letter in the mail from XXXX Stating i opened an investment account. I did not and notified them of this. I then went online and put a security freeze on my credit reports and XXXX report. All except 1 company. That was transunion. It temporarily suspended my account because it cant confrim my identity. When i submited request to fix issue it wouldnt let me. I am now attempting to do this via USPS because the only way to contact these people is via social media to which i dont have and dont want to have. They are causing a dely in what i deem a time sensitive issue and id like to hear from them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am resolving the issue because I am financially savvy and stay on top of my finances, but I think about the individuals who are not and it shocks me this is happening in 2021. I have a Raymour and Flanagan credit card with deffered interest through TD Bank with different dates that expire for different purchases. 

I have made a number of additional payments to avoid the deffered interest for the purchase that expires in XX/XX/XXXX and it is not applied to that balance but the one that expires in 3 years. You can not make a payment on their website directly to the deferred balance that expires in the near future, you have to call. 

The hoops to jump through are significant and done by design in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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:
Trans Union has continued to ignore my request to block fraudulent inquiries. Someone has been using my information to apply for credit without my consent. I have taken the necessary pre-caution and asked for a fraud alert but it has not been very much help. Ive sent several letters to Trans Union with a copy of my identity theft affidavit and Trans Union has not helped remove these inquiries. These inquiries are fraudulent and need to be removed immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I opened a TD Bank VISA in XXXX, 2021. I requested a standard, monthly, paper bill be sent to my address. The way credit card companies have done for 40+ years. All was fine. The card worked, I received a monthly account statement, and I paid my bill. 

Then, by XX/XX/2021, after receiving numerous TD VISA email requests to " VIEW '' my account online, I logged on to this account to just " VIEW '' the account. Nothing else, no changes, etc. 

But, without warning ( or ) clear notice this TD VISA logon process ; changed the account setup ; to ONLINE BILLING only, and turned off the monthly, paper bill. 

And guess what? The paper bill ( s ) still kept coming for 3+ months. Very deceptive and tricky, because I had NO IDEA the account was now online billing ONLY. No paper letter clearly explaining this change to WARN the customer of billing impacts to follow. 

Finally, by XX/XX/2021 the paper bills stopped coming, I logged on saw a " LATE FEE '' charge, and was upset as to why there was a LATE FEE. I called TD BANK and the nice service representative said over, and over, and over that I signed up for ONLINE BILLING ONLY in XXXX of 2021. 

Rather than argue with them. I turned paper billing back on. Setup payment. Paid the balance in full, including the deceptive late fee, and decided to share this experience. 

How a credit card company can deceptively TURN OFF paper billing without clearly letting the consumer know is beyond me. In my opinion their clever online software which does this by default ( or ) automatically is illegal and they should be investigated for fraud and punished. 

There are probably thousands of consumers that this practice is happening to, and the VISA companies are just racking up illegal late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: MA

Complaint narrative:
After applying for a personal loan at Discover Card personal loans, I was provisionally approved upon receipt of certain documents : Drivers License, SS card, and 3 months of bank statements. 
Upon learning they wanted bank statements for such a relatively small loan, I called and asked a Discover agent if that meant including transactions and he said yes. And he reiterated not to leave anything out and to include ALL pages. That means Discover would have information to THREE months worth of private, personal transactions that could include : Co-pays to Dr 's offices ( which is a violation of HIPPA ) showing the name of the doctor and specialty Co-pays to pharmacies Where I shop and for what Where I visit and/or travel Memberships and/or clubs/gyms I belong to Subscriptions My cell phone provider ( So they can sell my info to the competition? ) Any personal transactions that are between me and a company, including the amount They essentially want everything I've used my Debit bank card for in the past three months. When I told the Discover card agent that this was incredibly invasive for such a small loan, he just reiterated to not leave any pages out of my bank statement. 
Keep in mind I have very good credit. And I don't trust a CC company to NOT sell my information or use it to their benefit. They're always changing the user agreements and most times you have no idea what they've actually changed. 
This is egregious behavior and abuse of authority. What do they need all that info for? Are they using it to build profiles of the thousands of people applying for their loans? Creating a database of people 's private information, including medical? Selling it to third parties? Storing the information in a computer that could get hacked? 
I even asked if it was OK just to show inflow and outflow and the agent said NO, we want it all. I was flabbergasted. I'm not applying for a mortgage. This is an under $ XXXX loan to pay off high-interest credit cards. 
Someone needs to look into Discover Card personal loans as I'm not the only one. According to the agent, they request that of everyone. Imagine all the info they now have on Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX I was the victim of a scam. I was called by a person using the Chase phone number identifying themselves as a Chase representative. They took {$5000.00} from me using XXXX. Chase has refused to identify the person who took my money but its in the Service Agreement that all disputes need to be resolved by the parties in the transaction. Chase has refused to identify the person who received the money. I have tried everything for months, contacting Chase, XXXX, even going through the Washington State Attorney General. I found out from a lawyer yesterday that I have no protection under the EFTA and Regulation XXXX because my account is a business account. Is this true? I am a XXXX XXXX XXXX XXXX, no employees and no one else on my account. Is it true that Chase can attach a product like XXXX to my business account without any of the protections that personal banking customers get? On top of having money stolen from me I feel like I have been set up to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: FL

Complaint narrative:
this loan was opened by this company who had access to my credit report. All transcations on the account was not made by them, this case has been picked up by the FBI and they have provided a letter to give to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX -XXXX-Balance {$1400.00} XXXX XXXX-XXXX-Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: NJ

Complaint narrative:
I disputed 2 accounts that does not belong to me, XXXX XXXX XXXX and XXXX XXXX XXXX, on my Equifax Credit Report on XXXX/XXXX/2121, XX/XX/2021, and XX/XX/2021. Equifax received my all my disputes, and to date ( XX/XX/2021 ) have not removed my request for this incorrect account to be deleted. I contacted both companies, and XXXX XXXX XXXX never sent me any Debt Validation notices nor XXXX responded to my diapute, so how is Equifax affirming that this false debt has been verified by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, which via a CFPB complaint on XX/XX/2021 responded on XX/XX/2021 and stated this : Company 's Response " Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that we previously received Mr. XXXX requests for validation in XX/XX/2021, and although the account was long past the validation period provided under the Fair Debt Collection Practices Act, we immediately placed the account on hold requested validation of account from our creditor-client. Because we had still not received the documentation from our creditor-client when the time frame for a response under the Fair Credit Reporting Act expired, so the account was closed with our office and the Credit Reporting XXXX XXXX CRA ) were instructed to delete the account. Please note that we can not control the speed in which the CRA acts upon our request and recommend giving them at least thirty ( 30 ) days to update their records. Although we have since received the documentation from our client that supports that Ms. XXXX owes the debt, the account will remain closed with our office. We trust this resolved your concerns. '' Equifax is in violation of my rights and they are violation the Fair Credit Reporting Act. They have defamed me and my character, and refuse to rectify this matter.

Company response to consumer: Closed with explanation