vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have an account with TD nano that XXXX sends my checks to every month. I have been having someone steal the numbers off of my debit card without my knowledge. They have tried to take my card number and use it without the chip on the card. I am confused as to why my card is being used without the chip. I don't see the point of a chip on the card when I was informed that the card could only be used with the chip. I have been having to go to the bank because if this to get a new debit card because they have allowed this tip happen behind my back. Last time I went I spoke to the teller gave her my information and was told to speak to another teller. XXXX minutes later I recieved a text that I ignored from TD bank since I was already sitting with the manager setting up a new card. I set my pin, went to the atm and used the card when I came home I checked my balance and the pin didn't work anymore. I went back to explain to the manager at broad and XXXX, what happened and she gave me an attitude telling me to leave and wouldn't change my pin. I called the police they told me tip go to another TD nano instead I'd fixing the problem and wouldn't give me her bosses number. After I went top a new bank and changed my pin it wouldn't work at the atm. I was then forced to write down my account number to withdrawal money after being told I'll revive a new card in the mail when it only takes to minutes to make a new one. On my way home I recieved a text saying thank you for sharing green XXXX when I looked it up someone at the bank used my money to open another account without my permission. I then read the contract and realized they said they can do as they wish with my account on the contract. XXXX told me before hand that the contract wouldn't apply in their own words no one should be going into my account under federal law no one but the XXXX account holder should be able to touch my funds. When I signed for this account I was already aware I'd the fake that they can't take money out of my account without my permission through goverment law. I just recently put these XXXX checks in a bank account with TD bank thinking that mine and my child 's account would be safe. I even spoke to someone on their phone line on the back of the card and asked them to put it on record that no money but XXXX money goes into the account and no one but me touches the account which is on record. Please help im really not XXXX XXXX and didn't get the chance the switch the account to another bank. The reason I put this income in TD bank wad because XXXX XXXX allowed someone to do the same thing and use my card without my knowledge. I would really like both top be researching and refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: LEXISNEXIS
State: GA

Complaint narrative:
2ND COMPLAINT Dear Sir, I am in receipt of the response from LexisNexis regarding my complaint # XXXX. In their response, LexisNexis acknowledges that US Bankruptcy Courts do not provide information directly to consumer reporting agencies and that they ( LexisNexis ) have not verified the information they are providing to the three credit bureaus in accordance with FCRA laws, Section 611, paragraph ( 6 ) ( B ) ( iii.

LexisNexis confirms that they obtain their information from a third-party electronic source which is XXXX  Their acknowledgment of third-party information collection confirms that they are in direct violation of FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii, and therefore the bankruptcies they are reporting should be immediately deleted.

Please note, a third-party furnisher of information, such as PACER, does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source.

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) from LexisNexis of the following : 1. The courthouse name.

2. the name of the person who verified the bankruptcy.

3. the court address.

4. the court telephone number ; and 5. the documentation used to verify the bankruptcy If LexisNexis can not provide the information requested above in accordance with FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation, I request that the CFPB take the appropriate action against LexisNexis for violation of federal law and additionally demand that the bankruptcies be removed from my credit report.

If the unverified bankruptcies, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ), are not removed within thirty days further action will be taken not to exclude legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I applied for a debt consolidation loan with XXXX and I was told I was denied using information from XXXX and TransUnion. I accessed my XXXX report and NOTHING on this report is accurate at all. Every single entry on this report is dated XX/XX/XXXX which is extremely odd. This report shows two inquiries on XX/XX/XXXX from XXXX initiated by me that I did not initiate - I have not applied for or initiated anything with XXXX. My drivers license number is wrong. My employer is wrong. None of my positive credit history shows. My entire bank account number is shown and on display. My payment history is completely blank. All the information under account review is incorrect and inaccurate I did not iniate any of these. My home and work phone numbers are incorrect. Under additional information it shows all info received on the same day XX/XX/XXXX and none of the information is correct. This report shows no bankruptcy yet I have been disputing two bankruptcy entries on my transunion report for over a year. XXXX XXXX removed the information due to inaccuracies and the complaint I filed w the CFPB yet TransUnion refues. I was denied a loan I need due to all the misinformation provided by TransUnion and XXXX. It also has my name listed as " XXXX XXXX '' instead of XXXX XXXX. The bankruptcies shown filed XX/XX/XXXX and XX/XX/XXXX ARE NOT MINE. XXXX XXXX removed them due to conflicting information from the XXXX screens I paid for to access you can see the address on those bankruptcies is NOT mine and that address is not on my credit file and is not the same as the bankruptcy I did file that was XXXX in XXXX. If Transunion refuses to remove I demand under 15 U.S Code 1006.34 that Transunion explains to me how they are validating these public entries on my credit file with the misinformation from XXXX and XXXX removal. If TransUnion is the parent company of XXXX why do they have different information for me on their files.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I applied for a debt consolidation loan with Upgrade and I was told I was denied using information from XXXX and XXXX. I accessed my XXXX report and NOTHING on this report is accurate at all. Every single entry on this report is dated XX/XX/XXXX which is extremely odd. This report shows two inquiries on XX/XX/XXXX from XXXX initiated by me that I did not initiate - I have not applied for or initiated anything with XXXX. My drivers license number is wrong. My employer is wrong. None of my positive credit history shows. My entire bank account number is shown and on display. My payment history is completely blank. All the information under account review is incorrect and inaccurate I did not iniate any of these. My home and work phone numbers are incorrect. Under additional information it shows all info received on the same day XX/XX/XXXX and none of the information is correct. This report shows no bankruptcy yet I have been disputing two bankruptcy entries on my XXXX  report for over a year. XXXX XXXX removed the information due to inaccuracies and the complaint I filed w the CFPB yet XXXX refues. I was denied a loan I need due to all the misinformation provided by XXXX and XXXX. It also has my name listed as " XXXX XXXX '' instead of XXXX XXXX. The bankruptcies shown filed XX/XX/XXXX and XX/XX/XXXX ARE NOT MINE. XXXX XXXX removed them due to conflicting information from the XXXX screens I paid for to access you can see the address on those bankruptcies is NOT mine and that address is not on my credit file and is not the same as the bankruptcy I did file that was discharged in XXXX. If XXXX refuses to remove I demand under 15 U.S Code 1006.34 that XXXX explains to me how they are validating these public entries on my credit file with the misinformation from XXXX and XXXX removal. If XXXX is the parent company of XXXX why do they have different information for me on their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/22 I deposited a check for $ XXXX the actual bank in XXXX XXXX Wa XXXX I was given the bank receipt where it states {$5300.00} will be available on XX/XX/22 & {$2500.00} on XX/XX/22. XXXX funds have been released so I called the bank again and now am being told no fees are scheduled to be released in till XX/XX/22. This is an extreme hardship for me as each day moves forward. I have spoken to XXXX who wrote the check to me and they said this is very uncommon as they write checks daily and have never had this issue. There is no hold on their end is what he has explained to us. So why the funds are not being released is concerning and very frustrating. There is no compassion whatsoever. Its endless waiting on hold while they pass me from one department to another. Very unprofessional.

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 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Contacted Credit card company on XXXX asking to get credit card protection to get started on account, Rep advised that I do not have protection on account requested a copy of application for verification, was denied access of application copy, Rep told me to go online to see asked if I'm able to get access of a scanned copy of online, Rep advised me no, I told rep I'm unemployed and that my unemployment benefits were upheld which is why payment hasn't been made and why I called in for the protection by to get started, Rep advised wasn't able to assist so the call was terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I got scammed on cashapp before and they never helped. So recently I got scammed again and just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Good evening, I was looking for a business that will give me finical and time freedom for me and my XXXX boys because I am about to get divorce with my husband. I saw the XXXX XXXX XXXX advertisement by XXXX kinked all over social media and I got encouraged to try it. I schedule a call to register the course with Student manageXXXX XXXX and we meet at XXXX XX/XX/2022, and I join the course by paying half amount {$3500.00}. The course take 6 months and it cost {$7000.00}. After I took the course around XXXX weeks, I realize it so expensive, and it does not meet the quality for the price that I paid for. My friend told me he found other course very cheaper that has similar content. For the sake of saving money, I decided to cancel the course. I only took the introduction module for XXXX weeks and I ask XXXX, student manager to give me refund since I did not satisfy with the course. I even willing to pay for the XXXX weeks service I got but she refused because I signed a contract. when I signed the electronical signature, I didnt know it was contract, but I remember I asked her before I sign if I have to read it carefully, but she said I dont have to. After she refused to refund the money, I dispute the transaction to my financial institution. The dispute took 6 months, but it didn't work out and they took my money XX/XX/2022. I asked my bank if I can appeal the case and they told me it is final decision and recommend me to solve the situation with the merchant since I signed the documents. I immediately sent an email and text massage to the student manager since they took my money, I told her I went to continue the course but no answer. I also contact the company owner, XXXX XXXX through XXXX if they let me continue the course but no response. I also want to tell you that, the course was locked during the dispute process, and I cant even be able to access it.

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 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received an alert from my credit montoring company that a Hard inquiry was placed on my credit report on XX/XX/22. Once I checked I saw it was from BOA. I called XXXX to dispute the inquiry and they informed me a credit card was taking out in my name in XX/XX/22. I called bank of america immediately and canceled the card. I placed fraud monitoring on all XXXX credit reporting agencies.

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 2022-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I filed for a loan modification XX/XX/XXXX and was denied. They gave me the runaround with my pay stubs asking if federal taxes was being taking out. They kept rejecting the stubs along with my XXXX taxes that I had gotten from the IRS. Then finally I was denied because they said they could not work out a plan because I owed to much. I applied for the Maryland Home Fund program and was preliminary approved for {$60000.00}. At the time XXXX would have brought my account current and my loan would have been reinstated. However, I was denied back in XX/XX/XXXX because they could not come up with a reasonable payment plan. Maryland Home Fund put {$60000.00} on the table for negotiations and they still denied me. In the denial letter Maryland Home Fund stated that the mortgage company said I am eligible to apply for a modification. They first denied me with no money on the table and then denied me with {$60000.00} on the table. I clearly have the income now since XXXX to stay current. Now the interest rates are about 7 %. They dragged it out and my current interest rate is 4 %. I'd like to know why they would not except the XXXX to modify me but tell me I'm eligible now. They have me gather all this information as if they are just going through the motions just to deny me. When my bankruptcy plan go into effect on XX/XX/XXXX I will have to pay XXXX a month plus the mortgage which is {$1700.00}. That will be very hard. If my pay stubs and taxes that were issued through IRS because I could not locate them that they kept rejecting are good enough for the trustee and Bankruptcy court and the Maryland home fund program, why are they not good enough for the mortgage company. They just want the house now that the property values are up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: American Credit Acceptance, LLC
State: AL

Complaint narrative:
Ive called 3 times now to dispute my credit not being reported after 13 monthly payments being paid on time. The first time I called them was on XX/XX/XXXX and was told to that it would be taken care of. Then I proceeded to call them back XX/XX/XXXX because the problem wasn't resolved and was told to call them back on XXXX XXXX proceeded to call them back on XX/XX/XXXX and nothing was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Other Accounts XXXX # XXXX TransUnion XXXX XXXX XXXX XXXX And the Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I canceled/closed my XXXX account ( checking, investing etc. ) XX/XX/XXXX, proceeding with the following steps and actions instructed on the site. These instructions were concise and pointily. 

I didn't think I would have any issues or occurrences until the following month XX/XX/XXXX, I received my first charge since the withdrawal and closure of my accounts. I proceeded to contact this company in their chat because I could not get through via phone line. 

The communication was that I had one feature turned on inside the app which wasn't simply didn't make sense, but I repeated the steps again and ask for a refund. Afterwards, everything appeared to be resolved, I deleted the app. 

I believe this was XXXX XXXX, I noticed a reoccurring charge on my account of maybe {$3.00}, charging my account. It was so small I hadn't even noticed it until I happened to do a deep dive of my spending for this particular month. I contacted XXXX via phone and ask for a refund. They didn't believe my charges and ask for me to send them an email, but I couldn't understand this because THEY are charging ME. I didn't want to expose my personal account. However, after some research I willing to send documents over to you all. 

They shortchanged me and refunded me the minimum. I had assumed at this point everything was resolved but no! This was wild! XXXX is still stealing money from me. I was still getting charged after about maybe 30-45 days later and again, I did not notice because the increments are so small. As soon as I discovered it this time, I am frustrated and consulted with a lawyer friend about my options. I had to pay to stop all FUTURE XXXX payments. Unfortunately for me, this is not a free service at my bank. 

To put simply, I feel taken advantage of as a consumer and anyone who has partner up with this company withdrawing funds from my accounts ... shame on you. I took every proper step. I can only imagine how many others this company is embezzling ( alleged ) money from by doing this. It is especially not okay for everyday worker. Not only was my mental affected by this, but my finances being also tipped to go negative causing over drafts. My emotional being was attacked because were only trying to do our best and it just wasn't good enough!

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