vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: UT

Complaint narrative:
I received a notice of debt collections from I.Q. International around XX/XX/2022. Showing that I owe The Original Creditor, XXXX at XXXX XXXX, {$3100.00} and intrest of {$440.00}. 
I was never informed about the interst till this notice came. 
The collection agency is saying I owe the total amount of {$3500.00}. 
Now I have to prove that I have already paid the XXXX. It is a good thing that I kept records, or I would have to pay this whole thing twice! 
Debt collections needs to be held accountable for their misleading correspondence. To many people end up falling into this debt trap. It is ridiculous that I have to prove what I have paid, when at least, the Original Creditor knew and has record of my payments. The collections agency should check beforehand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I dont recognize this inquiry and never gave permission

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 2022-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
AES student loans : -notified me last fall ( XXXX  ) that payments were no longer on pause -I began making payments again -I kept seeing news that student loan payments were still on pause -I reached out a few months ago and inquired why I was still making payments if everything is paused and I wanted my money back -They didn't answer my question and just said if I forced to be refunded, it would put my account in collection status -I stopped automatic payments -My husband lost his job and my income is sporadic and well under XXXX XXXX/year -I applied for an IDR plan and submitted all the information -I kept getting notifications that my application was incomplete, however, I also applied for an IDR with XXXX XXXX XXXX XXXX and they had no problem reviewing the exact same info and completing the task -I messaged AES asking specifically what was needed and they never let me know XXXX only that it was incomplete and I would receive something in the mail with more information -I never received anything in the mail -I have tried to apply for student loan forgiveness as a past employee of nonprofit organizations -I 'm doing everything I can to keep these current and have a repayment plan that reflects my income but I don't know what to do anymore -I don't understand why AES has been hounding me for payments when everywhere else seems like it's on pause -At the moment, I can not afford the payment they have set for me and I don't appreciate the lack of information or willingness to help in the situation at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
My car insurance policy ended. But XXXX decided to renew my policy without my knowing while I called them and told them that I did not want to renew the car insurance because I found different car insurance. And they said that I owed them when I did not renew my policy and they put it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name XXXX XXXX account number XXXX with balance of {$550.00}, Account Name XXXX XXXX account number XXXX with balance of {$1000.00}, Account Name XXXX account number XXXX with balance of $ XXXXhas 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 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.15 U.S.C 1681s- 2 ( A ) (! ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TekCollect Inc.
State: CA

Complaint narrative:
XXXX, law 15 usc 1681e ( b ) speaks about the accuracy of the consumer reports Consumer reporting agency 's produce! It must have maximum possible accuracy! Accurate means all values correct all information exact! So in general XXXX is furnishing inaccurate information on your consumer reports which is a direct violation of 15 usc 1681e ( b ). Tek Collect INC is reporting inaccurate Information on my credit and I put XXXX on notice. I would like to know the procurers of their investigation in written. XXXX deleted account and then reassigned back on to my credit filer which is illegal. See attachment. I also would like to introduce new exhibit showing reporting of this account out of compliance according to XXXX XXXX standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, law 15 usc 1681e ( b ) speaks about the accuracy of the consumer reports Consumer reporting agency 's produce! It must have maximum possible accuracy! Accurate means all values correct all information exact! So in general XXXX is furnishing inaccurate information on your consumer reports which is a direct violation of 15 usc 1681e ( b ). XXXX XXXX XXXX is reporting inaccurate Information on my credit and I put XXXX on notice. I would like to know the procurers of their investigation in written. XXXX deleted account and then reassigned back on to my credit filer which is illegal. See attachment. I also would like to introduce new exhibit showing reporting of this account out of compliance according to XXXX XXXX standards.

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 2022-10-21 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: U.S. BANCORP
State: AZ

Complaint narrative:
Elan Financial Services ( Secured credit card ) is holding me responsible for a {$510.00} fraudulent charge on services I didnt receive. I took my car to a body shop and my car was stolen from a mechanic XXXX XXXX at XXXX XXXX XXXX. I also provided them with a police case number and also the detective personal cell phone number to reach him and confirm the situation of the case.

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 2022-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
When I woke up this morning on my payday, I went into my account to pay some bills. I owed Money Lion XXXX which was expected to come out. However, I noticed that after opening my account there was an additional transaction for XXXX. The next thing that I knew, there was another transaction coming out for XXXX. I immediately contacted Money Lion and they kept placing me on hold telling me that their department would take care of it and could they call me back. They never called me back and they had approved a loan in a different state, XXXX, that I had never even applied for. I called back again and she stated that if this were resolved after investigation that it would take 5-7 business days before I got my money back. This is going to make me late paying my bills and cause me to get behind. I recommend that no one use these banking apps for instacash loans because they are not secure.

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 2022-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Our company, XXXX XXXXs being burdened by PayPal inasmuch as they have forced a 10 % rolling reserve on our account which means that, for every transaction that they process for us, they are preventing us from accessing 10 % of the money we receive for 90 days. I requested that the reserve be removed a few times between XX/XX/XXXX and XX/XX/XXXX with various customer service agents. Most of the customer service agents had no idea what they were doing or what they were talking about and their responses were not even relevant to the question but, most recently, customer service agent " XXXX '' told our company we can only request another " review '' of the account to have the reserve requirement removed in 180 days ; which would bring us to XX/XX/XXXX for our next " review ''. Then, I requested to know why this reserve was applied to our account in an attempt to ensure that we fix whatever is causing this reserve requirement before our next " review. '' 10 % is a large part of our operating budget for each order. At this point the customer service representative " XXXX, '' whose message responses I will attach to this complaint, indicated that he would not let us know why the account was given a reserve requirement because that is part of their " internal process ''. I beg to differ and I believe we have a right to this information as, without this information, they can simply slap this requirement on us, anyone, or everyone with no explanation ; possibly to use the money themselves for the interim period to unscrupulously earn interest. Therefore, I believe we have the right to know why the reserve was placed on our account or, if there is no reason, get it removed from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello, on XXXX 2021 XXXX dollars was stolen and then on XXXX XXXX more got Stolen. This happened on a weekend. I went directly to the Police and filed a police report. They said when they looked it was a Fishing scam and they hacked into my email account when I opened a XXXX email That was fraudulent. Ive fought Bank of America for months. I didnt even get a suspicious alert when they stole the money either time. XXXX Unbelievable I was shocked but little did I know it was fixing to Get a whole lot worse. Ive got no help not even a call from Bank of America investigators. That didnt tell me until ( 3 months into the investigation ) how the people were able to do a Bank transfer. Bank of America said that they attached an Account to mine about XXXX XXXX  days before they stole the money. Unbelievable!!!! But This story gets worse. Bank of America refuses to do the right thing and give my money back on my debit card. I even tried to get the account number that the perpetrators used to do the transfer and Bank of America wont give me the account number they used to get my money. So Im Out XXXX dollars and Bank of America is Withholding the key evidence that I need. 
Thanks XXXX XXXX XXXX XXXX XXXX

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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Check my credit report again after having reported to Barclays Bank an inquire on my credit by letter in XX/XX/2022, I have not applied for any credit with Barclays Bank, I am not aware of why this appears on my credit and even though I wrote to them in XX/XX/2022 they have not removed this request from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a billing error. 

15 U.S. Code 1666 - Correction of billing errors ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, The law 15 usc 1681e ( b ) speaks about the accuracy of the consumer reports they produce! It must have maximum possible accuracy! Accurate means all values correct all information exact! So in general Experian is furnishing inaccurate information on my consumer reports which is a direct violation of 15 usc 1681e ( b ). 

XXXX XXXX and Experian are violating my rights that are federally protected. 

Experian deleted this account and it has reappeared on my credit file which is illegal!

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 2022-10-21 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

15 U.S. Code 1681C-2- 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 than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2022-10-21 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

15 U.S. Code 1681C-2- 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 than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: OR

Complaint narrative:
Paid the amount of {$77.00} on XX/XX/2022 for my medical payment to the company of XXXX XXXX  XXXX XXXX. I received a letter from SCA Collections around XX/XX/XXXX for the amount of {$77.00}. I tried calling multiple times during regular business hours to talk with a representative, but have had no luck reaching a person to dispute this charge. I have the credit information to prove that it was paid.

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 2022-10-21 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I wrote to the address shown on my latest TD credit card statement in the section 'Billing-Error Rights Summary '. The first letter dated XX/XX/XXXX was never acknowledged by the bank. When I called on/about XX/XX/XXXX they claimed non-receipt. I resent the same letter via Certified Return Receipt mail and the XXXX delivered it on XX/XX/XXXX. 

On XX/XX/XXXX I called TD Bank at the number indicated on the XXXX ' section, XXXX, and was told that there is no record of my letter. XXXX call center person at TD 'XXXX  ' told me that the letter should have been sent to South Carolina not Georgia XXXX I referred her to the above Billing-Error section which shows the Georgia address XXXX She said she can't contact that department. 

I eventually spoke to 'XXXX XXXX a TD Team Lead in XXXX XXXX. She is opening a new electronic dispute, referencing the letter, but it is not clear if my rights will be preserved as the " XXXX ' section clearly states that XXXXYou may call us, but if you do we are not required to investigate... and you may have to pay the amount in question '.

My complaint is that TD Bank Credit Card ServiceXXXX : - Did not acknowledge my first letter of XX/XX/XXXX - Did not acknowledge my resending the above via XXXX XXXX Return Receipt Mail, even though the XXXX returned the card and sent a message that the item was delivered - TD is not set-up to communicate between departments to the detriment of customers like myself. Nor did some of their staff know the dispute center was in Georgia. 
- I have to pay the disputed charge and wait for their response Any assistance on the above would be appreciated. 

Thank you. 




TD Bank XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card # : Deleted for this Complaint I/N/O : Deleted for this compliant I had dinner at XXXX XXXX XXXX XXXX  on XX/XX/XXXX. The receipt contains errors and I called the merchant XXXX times, once after the meal on XX/XX/XXXX, and XXXX today using XXXX XXXX option XXXX. Each time an automated message directed me to leave a message only to find that the mailbox was full and the phone system hung up. 

The incorrect charges are : XXXX XXXX XXXX XXXX {$7.00} ( We ordered XXXX XXXX which they did not have this available on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12.00} ( We only had XXXX glass of wine ) XXXX XXXX {$3.00} ( This and the XXXX were ordered by an adjacent customer ) The disputed sub-amount is {$22.00} This changes the old sub-total from {$100.00} to {$85.00} At XXXX sales tax the new tax is {$7.00} That creates a new total of {$92.00} The tip was 20 % yielding {$18.00} The New Grand Total is {$110.00} The Old Grand Total was {$130.00} The total to be refunded is {$26.00} Kindly investigate and let me know of your findings. 

Sincerely, Deleted for this complaint

Company response to consumer: Closed with monetary relief