vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
This Debt is tied to collection or lease agreement on a joint account that I have no knowledge of. My information was falsely used during this time period as I stated with XXXX and its on-going Data Breach Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Someone was doing fraud on my accounts and now Im not able to open a bank account anywhere and cant purchase things because of it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
XX/XX/XXXX, after completing the rennovations and rehab on a property, my husband turned on the hot water heaters and we smelled gas. I called XXXX, XX/XX/XXXX, and they came out XX/XX/XXXX to check the areas. There were three areas where the gas detector went off. I informed him that this was a duplex, two units, with a gas dryer and hot water heater upstairs, and furnace and hot water heater downstairs. He quickly showed me financial options. I mentioned that the prices were high. He said if I didnt allow them to do the job, they will have to shut off the gas and my tenants will not have gas. He said I needed a whole house piping with hot water heaters. The cost was going to be XXXX. I wasnt approved through Greensky, but they had me sign documents saying the job complete because they want to get paid upfront. XXXX the gas company came out XX/XX/XXXX and said the job was not done completely, and the pipes are not connected to the meter. There was still a gas leak from the dryer which they never checked. I got an invoice for XXXX, but they charged my Greensky XXXX, which is different than the actual work and the work they stated on the permit which is only for small re-piping. They now have 4 appliances running from one meter, which is against regulations and actually is a risk of combustion. Also, I told another technician I didnt want the job done, to allow me to shop around for another quote. He said " well you wont have a dryer for your tenants ''. I said I wanted to shop around. He did something and charged himself XXXX dollars for a job I did not want completed. This account and contract was made under violations against regulations of gas appliances and connection, fraud, adhesion of contract, and price gouging.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: LendingPoint Holdings LLC
State: OH

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX submitted a Loan ( without my permission ) to Lending Point. 
XXXX XXXX received {$19000.00} from Lending Point ( a loan that I did not authorize ). 
From XX/XX/XXXX to current, Ive asked XXXX XXXX to refund this lender, and bill me for any balance after my insurance had paid for 3 extraction. 
Ive been told by XXXX XXXX numerous times ( different reps for over 8 months ) that they were refunding Lending Point the entire balance and would correct my account and bill me after insurance paid. My last conversation with XXXX XXXX prior to today was in XX/XX/XXXX in person, and I was informed then that they had computer issues, fired the person responsible, and would correct my account. 

On today ( XX/XX/XXXX ), I spoke with XXXX XXXX of XXXX XXXX, inquiring why they had not refunded Lending Point. 
XXXX informed me that they refunded {$18000.00} to Lending Point, and that {$350.00} was not refunded ( {$350.00} is what I owed after insurance paid ). 
XXXX asked that I pay Lending Point {$350.00} to resolve the matter. 
I refused to pay Lending Point, and I insisted that they refund the remaining balance of {$350.00} to Lending Point since I did not authorize the loan. 
I requested ( of XXXX ) that I pay XXXX XXXX {$350.00} XXXX forwarded a link to me, and I submitted the payment of {$350.00} ( attached receipt of Payment to XXXX XXXX ). 
I requested that XXXX give me something in writing that they would refund Lending Point, and he sent me a ledger. 
According to the ledger that I received today ( XX/XX/XXXX ) from XXXX XXXX ( XXXX ) ; XXXX XXXX refunded {$18000.00}, and kept {$350.00} on XX/XX/XXXX ( see attached ledger from XXXX XXXX ). 

I spoke XXXX at Lending Point regarding having this removed from my credit report, and XXXX instructed me to file a Fraud Report with our Police Department, and send in the report, along with my drivers license to XXXX. 
I asked why the amount on my credit report is {$1400.00}, if they refunded all except for {$350.00}? The response was that it was interest. 
I informed XXXX that I paid XXXX XXXX {$350.00} today, and that I wanted this removed since I DID NOT authorize this loan, nor should it be on my credit report. 

I asked that Lending Point send me a copy of the refund ( s ) that they received from XXXX XXXX. The ledger from Lending Point confirms that only {$18000.00} was refunded, and that XXXX XXXX withheld {$350.00} ( attached ledger from Lending Point ). 
On XX/XX/XXXX, I filed a police report, and file a complaint with the XXXX 
This Loan should be REMOVED from my credit report, and applied to XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX OH XXXX they are the originators, and recipients of this loan. 

This loan has created a negative impact on my credit-resulting in a poor credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01 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: Consumer Adjustment Company Incorporated
State: TN

Complaint narrative:
My understanding is that CFPB IS SUPPOSED TO HELP AND AD FAR AS I CAN TELL, no such thing is happening! XXXX has yet to provide their proof about XXXX and it has been removed on all other accounts! I have sent police reports and court documents! A collection company tried to sue and garnish my wages! How can this even be allowed! Now XXXX has added A Consumer Adjustment Company to my credit for XXXX $ that showed up with a balance on XXXX! Where is the proof of anything from XXXX? I am calling an attorney after this complaint for my records! I have reached out to you CFPB and still have no answers!!!!! 
Where is the proof?? A police report and court documents should be proof enough! Why is this on my credit!!! So what you are telling me is that I opened a XXXX account XX/XX/XXXX and first delinquency was XX/XX/XXXX? Show me checks were I made a payment or even a checking account payment! And my signature!!! This is a bold face lie and CFPB IS DOING NOTHING NOR IS XXXX BUT ENABLING THESE XXXX XXXX!!!! I want THESE LIES REMOVED FROM MY CREDIT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Section 4021 of the cares act amends the FCRA by adding a new subsection ( F ) to section 623 ( 15 USC 1681. 2 ( a ) ( 1 ) to reporting obligations of creditors that provide an accommodation to consumer affected by Covid 19 who have requested accommodation durning the cover period of Covid 19 pandemic. I was affected. Im requesting to be accommodated by deleting or deferring account. In addition 15 USC sec 604 states consumer cant furnish my information without my written consent. Never wrote anything to give you the right to commit this act. Also, USC 166B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. You have committed multiple violations in accordance with the FCRA and FTC. Violations are subjected up to {$1000.00} per violation. I demand you remove immediately from XXXX, XXXX, and XXXX. I will also file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: AL

Complaint narrative:
**I HAVE NOT SUPPLIED PROOF UNDER THE DOCTORINE OF ESTOPPEL BY SILENCE, ENGELHARDT v. GRAVENS ( mo ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS** The Fair Credit Reporting Act, as defined in 15 USC 1681 section 602 a, emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. In line with this, XXXX, Equifax and XXXX are consumer reporting agencies, and as a consumer, I hold the right to safeguard my private information, which is reinforced by 15 USC 6801. This act asserts that financial institutions, including " Furnishers of information to credit agencies, '' must continuously uphold customer privacy and protect the confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, consumer reporting agencies can furnish a consumer report only when instructed in writing by the consumer concerned. As such, I have not given my consent, verbal, non-verbal, written, or otherwise, to XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX, or any other furnisher to disclose my information. 

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the option of nondisclosure. In my case, both XXXX XXXX XXXX and XXXX XXXX failed to inform me of this right, violating the law. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse items of information in a consumer report, such as records of crimes that date back more than seven years. The reporting of this account as an adverse item without my permission is, therefore, against the law.

In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that providing inaccurate information to a consumer reporting agency is prohibited. XXXX, Equifax, and XXXX have failed to maintain reasonable procedures to avoid such violations, as required by 15 U.S. Code 1681e.

Lastly, as stated in 12 CFR 1016.7, I retain the right to opt out of any reporting services at any time. Consequently, I am choosing to exercise my right to opt out of your reporting services.

In conclusion, it is crucial that all parties involved in consumer reporting, including XXXX, Equifax, XXXX, XXXX XXXX XXXX, and XXXX XXXX adhere to the laws and regulations outlined in the Fair Credit Reporting Act to ensure the fair treatment and protection of consumers ' personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: MD

Complaint narrative:
I am writing to express my concern regarding the accuracy and integrity of your company 's data. As per the FCRA section 611, it is crucial to maintain accurate records that can be relied upon by not just customers but also potential lenders and employers. I have done some research on Metro 2 compliance standards, and I believe there may be some inaccuracies in reporting going forward if these issues are not promptly addressed. Before taking any further action, I would appreciate any feedback you can provide to resolve these issues amicably. The following items are listed in the attach to the letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: NC

Complaint narrative:
I have acquired my credit report and have noticed multiple fraudulent accounts that are reporting on my file from identity theft. After my discovery I have reached out to the credit bureaus XXXX, Equifax and XXXX to dispute this matter and to check and make sure everything is complete and accurate and to notify them of the accounts that are reflecting on my file from identify theft and requested an immediate freeze on my accounts as well as to update my personal information on XXXX XXXX and XXXX XXXX. I also informed the credit bureaus that I have file an FTC complaint on XX/XX/2003 ( FTC Report number : XXXX ) regarding this matter and that the account be removed and block from reporting to my credit report according to 15 US Code 1681c- 2 - Block of information resulting in identity theft.

BLOCK except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later that 4 business days after the date of receipt by such agency of -- -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
My mother got a lawsuit advance Wich she got a notarized document for the company to send the funds to my account was done perfectly and to alert the bank I scheduled a direct deposit from the lending company for the amount Wich made a canceled check for me to give lending company, the next day the company wires the money shows in my account few min later they kicked me out of my own line restricted my account for suspected fraud so I go into the branch they contact fraud dept who says I have to wait for them to verify funds so the lending company gives me a fed ref # wich I couldn't get customer services to even take from me... Iso when they were speaking to fraud because i wasnt allowed I ask is there something i could do to help them verify funds they said no..so here i am homeless hungary broke and with out my money and told i cant do anything but wait for them to want to release my money not even close my account and for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NE

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
Bridgecrest has repeatedly failed to provide accurate information when I have requested help with my auto loan with them. The stress, frustration, and sheer anger I have experienced with them is BEYOND comprehension. 

Yesterday, I called to ask about payment options and that I could only complete one months payment. The rep pretty much ignored what I say and kept insisting and asking me OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER 2-3 times my payment. I am aware my account is past due and have been very transparent about why I fell behind. 

She quickly rambled off numbers at the speed of sound got snappy when I told her she needed to repeat everything she said. I asked about modifications and payment plans but was told I have {$900.00} in insufficient fund fees. {$900.00}!?!?! I asked if she meant NSF and she said no. 

I was puzzled because she was not explaining things to me in a way I could understand. I have not used my 6 modifications allowed the life of the loan or 2 per year. She kept pressing me about making a large payment on the phone with her at that very moment. If I am calling to ask for an extension, etc, that OBVIOUSLY means I wouldnt be able to pay the entire past due balance. 

I previously had a rep ask me REPEATEDLY if my baby daddy could help me with my payment because she heard kids in the background. B**ch, what?! 

I have NEVER dealt with such rude, disrespectful, inconsiderate, poorly trained people in my life until XX/XX/2020 when I doomed my sanity by entering into a death contract with Bridgecrest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This complaint against Wells Fargo is specific to recently received mail from Wells Fargo relevant to an account which should be closed. And to the fact regarding a phone call to Wells Fargo on XX/XX/2023.in regards to this. Yes my account balance should be {$8800.00}. However in my call to XXXX with the Executive office on XX/XX/2023, she stated that my account balance was only {$3500.00}. On XX/XX/2023 as validated on the record and on my paperwork from Wells Fargo, I requested to XXXX with the Executive Office to immediately close the account and mail a cashiers check to my home address. She confirmed this would be done. For some unknown reason if this account was not closed on XX/XX/2023 as instructed, confirmed, and on record, any transactions since XX/XX/2023 would be fraudulent and at the expense of Wells Fargo. As per recent account paperwork, it seems as if somehow this account remains open. But then again, NOTHING SUPRISES ME WITH WELLS FARGO!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: AppFolio, Inc.
State: NJ

Complaint narrative:
I currently use the online portal/payment service AppFolio to make monthly maintenance payments for the condo I own and occupy. I have set the account up to automatically pay the full amount every month, on time, via XXXX from my bank. This has been a convenient way for me to pay since I purchased the property in XXXX. 
As of XX/XX/XXXX, Appfolio has decided to begin charging a {$2.00} fee for every monthly XXXX transaction. I believe this fee is ridiculous given it is an online, automatic payment direct from a bank. It seems like an arbitrary " processing fee '' designed to offset some real or fictional bank fees Appfolio is incurring and they are just passing it on to the consumer. 
I was unable to find a direct number to call Appfolio and their website directed me to my property management company. I reached out to the property management company via email on XX/XX/XXXX noting my displeasure and also brought the matter up directly at a board meeting on XX/XX/XXXX with a management representative present. I was given two other inconvenient payment options but was told that something would be done about the {$2.00} monthly XXXX transaction fee at some point. 
Today, XX/XX/XXXX, my XXXX monthly payment was deducted from my bank account and I was charged the {$2.00} transaction fee. 
Again, this fee seems highly predatory and I hope a qualified individual could look into it and properly assess the situation.

Company response to consumer: Closed with explanation