vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I own a small business and was broken into on XX/XX/2021. When I realized I was broken into and that my Square reader was stolen, I contacted Square and asked that my account be frozen. After I had requested they freeze everything, they then allowed the person that robbed me to hook up their debit card to my account and also generated a Square checking account and debit card. I have requested that they share the information of this person so that I can serve them, but they will not. They will also do nothing to secure my account ( such as cancelling the card so the robber can not use it ) so that I can have access to my funds again for my business. They have told me that law enforcement can contact them and they MIGHT be able to share the information, but there is no guarantee that they will. We are 7 weeks from the robbery and the police department has still not been able to assign a detective because the are so overwhelmed. However, I am already out almost {$3000.00} between the cost of fixing the windows, things that were stolen and I would like to be able to serve the person that broke into my business and for my account to be secure. I believe as the actual customer that has engaged Square, they should be able to keep my money safe and protect myself and my business instead of shielding/protecting the person that committed a felony.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I HAVE YEARS TRYING TO REMOVE THESE FRADULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE SENT WRITTEN REQUESTS. I HAVE TRIED OVER THE PHONE. I HAVE FILED A POLICE REPORT. FILED IDENTITY THEFT REPORTS. THE CREDIT AGREED TO REMOVE THE ACCOUNTS FROM MY REPORT BUT NEVER DID. THESE ACCOUNTS ARE AFFECTING MY ABILITY TO PROGRESS IN LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a Care Credit credit card account about 2018 for dental work. The credit card is set up to have deferred credit. You are given a set amount of time to repay charges interest free. If you don't meet the deadline then interest will accrue including the deferred amount. When a new purchase is made, it has it's own deadline. The issue is in the application of payment. Payment is applied to the newest purchase and not the oldest. Therefore, high interest is accrued on the oldest purchase with payment being applied to the newest purchase. This is a way for Care Credit to gouge interest income. My complaint is that applying payment to the newest purchases and not the oldest purchases is deceitful. Payments should be applied to oldest purchases first. 

I have attached a copy of a Care Credit statement. Page XXXX under XXXX  XXXX  Calculations shows how Care Credit calculates and charges interest. Under XXXX XXXX XXXX XXXX terms and conditions are explained EXCEPT the fact that payments are applied to the newest purchase.

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 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TN

Complaint narrative:
I had a debt with XXXX in which they doubled my bill and charged for a month of service I didnt use. I settled with XXXX in XXXX of 2020 for {$53.00} dollars, and that I was told made it paid in full. I paid and my credit score went up in response. Now, 6 months later, they decide to bill me for the same amount I settled for in XX/XX/2020. I do not owe XXXX anything. How can I trust a company that does this? If I paid again, would they wait another 6 months and bill me again? 
XXXX is a horrible company that gouges their customers at every turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am XXXX XXXX and I'm sending these complaint by myself and without any third parties involved. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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 explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX and I would like to complain about my banks handling of an ATM incident. On XX/XX/22 around XXXX, I attempted to withdraw {$500.00} from the Regions ATM located at the XXXX XXXX XXXX on my statement as Student XXXX XXXX XXXX LA XXXX XXXX. The machine went dark and I did not get my money. When I checked my account via my app, I noticed that they had deducted the {$500.00}, however. The last XXXX digits of the card I used was XXXX. 

I then filed a claim with my bank and was told it would be XXXX business days for them to complete an investigation. After XXXX  days passed, I called again and was told XXXX days for processing. After XXXX  days, I was told it would be up to XXXX business days to process, and on the XXXX day, they sent me a letter declining to reimburse me for my loss without mentioning why. 

I did manage to snap a photo of the blank ATM at the time and I have included this in my complaint as well as a screen grab of the location and time stamp on 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 2022-02-03 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: CA

Complaint narrative:
This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my 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 non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
This company is after a debt they believe a family member owes. They have threatend to report a negative credit report and tried to collect payment from me. I never signed up for the internet service or have had an account with them. I never submitted to co-sign or use my information for my family member to get an account. This family member also paid all the fees for early termination and turned in equipment and they are after this person also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 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:
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 2022-02-03 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: Experian Information Solutions Inc.
State: TX

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 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 2022-02-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2022, I received a notification from Experian that they would NOT honor my request to block certain negative information in my file that MAY be a result of Identity theft. I am an Identity Theft Victim and someone used my social security number to file a Tax Return. I submitted this letter, along with the Identity Theft affidavit, the items circled, and my ID and proof of address to Experian and they said that they would not block the items because there was no police report attached in accordance with the FCRA. I have a copy of the FCRA and there's nothing under 605B ( a ) that discusses that a police report is required. 

In addition, Experian has chosen to not honor my requests in XXXX, XXXX and XXXX to supply certification of Metro2 compliance. They send " canned '' responses like " Verified, '' or " Furnisher certified that information is correct. '' They did, however, remove 3 negative accounts : XXXX ; XXXX and XXXX XXXX  from my account. Under Metro2 Compliance, I would like certification that these removals have been shared with the other Credit Bureaus as required under Metro 2.

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 2022-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Trust Management LLC
State: MO

Complaint narrative:
XXXX Phone call. I stated that I needed documentation/verification of debt sent to me. I stated that I would not provide personnel information over the phone regarding debt or payment. They stated they were working on behalf of XXXX XXXX which I did not recognize and stated so. 

XXXX Phone call. Aggressive, attempted to intimidate me and kept cutting me off. Would not let me finish sentences and was threatening tone when I apparently used the wrong word for the item I had requested. Wanted me to confirm banking and payment over the phone. I stated that I still have not received the requested documentation/verification. I also stated that I would not pay blindly without the documentation/verification I have requested to safeguard that they were handling the debt. He continued to talk over me in the same aggressive manner and then hung up while I was speaking. 

I feel that this was improper conduct, aggressive tactics and and they were threatening to take actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
: ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by TD bank On XX/XX/2022 I applied for a TD XXXX 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). XXXX XXXX XXXX XXXX XXXX  has violated my federally protected consumer rights : 1.15 U.S Code 1642 2.15 U.S Code $ 1681M 3.12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable.TD Bank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violation BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a call from XXXXXXXX XXXX on XX/XX/2022 to confirm that I applied for credit because I have a fraud alert on my credit report. I told them that I didn't and then I checked my XXXX ID Works activity by logging on to the website I logged into the website and saw that there are 5 inquiries in an attempt to obtain credit in my name : XX/XX/2022 - Transunion - XXXX XXXX XX/XX/2022- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are all fraudulent attempts to get credit in my name so I worked with an XXXX agent to try to get these inquiries removed and work with the credit companies to NOT issue credit. Now I need these hard inquiries removed. 

I also placed a freeze on all my credit reports to prevent further identity theft

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 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: U.S. BANCORP
State: SC

Complaint narrative:
U.S. Bank is harassing me, calling me after I obtained an attorney, the attorney sent U.S. Bank a letter, and more than XXXX U.S. Bank representative said I committed fraud. 

They are now calling claiming ignorance, saying sorry we just need your address and they know nothing of what is happening. 

I have also filed a complaint and asked for an investigation with the State 's Attorney Office, the SEC, and my insurance company. 

These people at U.S. Bank are abusing their power with my banking details, referencing transactions in my personal account, and threating me with jail and investigations. I want the phone calls to stop immediately. 

They have also deleted and or froze several of my accounts and even renamed XXXX account to a XXXX. I have the original statements that do not have the XXXX designation. They are altering banking documents!

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion had an incorrect item on my credit report. I signed up to XXXX website to dispute their mistake and they enrolled me in a $ XXXXmonth credit monitoring program without making that clear. I did not know I was enrolled in this until I got a receipt from my order. If there was a box for enrolling in this on the sign up page, I certainly did not click it. It must be an opt out system, which is incredibly crooked, especially considering I was creating an account to dispute their mistake. They essentially blackmailed me into paying {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 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: IL

Complaint narrative:
On XX/XX/2022 World Finance received my dispute to an alleged debt. They have 30 days to validate this alleged debt. As a federally protected consumer World Finance is in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: NC

Complaint narrative:
On XX/XX/2022, I received a notification from XXXX XXXX XXXX  on a credit inquiry request. 
See below New Inquiry detected on your credit file XXXX, the following change to your credit file has been detected. 

Change : New Inquiry Company : XXXX XXXX Reported by : Equifax I had never made such a request from the company, XXXX XXXX. I called XXXX XXXX XXXX number in their credit request phone number. I gave my name and current address. Nothing came up. The representative listed sister companies where I may have applied for credit. From my knowledge, I have not applied to any. They asked for my social security number. Owing to the fact that I had never heard of the company, I elected to not give my social security number and hung up. 
I called XXXX XXXX  on the following Monday to report the incident. I talked to a representative on Tuesday who provided the information to inform which relevant parties to inform. 
No other steps have been taken from my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX/ {$1900.00} XXXX XXXX / XXXX / {$900.00} XXXX XXXXXXXX / XXXX / {$2800.00} XXXX XXXX XXXX / {$1300.00} XXXX XXXX XXXXXXXX / {$3400.00} XXXX XXXX Original creditor : XXXX CXXXX XXXX XXXX XXXX XXXX / XXXX / {$1900.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX / XXXX / {$900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
SANTANDER XXXX This account should no longer be reporting on my credit file as it was part of a lawsuit. The $ 550M Santander Car Loan Settlement was reached in 2021. Delete this account from my credit file right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BUDGET CONTROL SERVICES, INC.
State: TX

Complaint narrative:
Keep reaching out to extended family members leaving messages saying that there are urgent matters for me, etc etc. Brother-in-law and father-in-law received messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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:
I HAVE MANY YEARS TRYING TO REMOVE THIS FRADULENT ACCOUNT FROM MY CREDIT REPORT AND NOTHING HAPPENS. I HAVE SENT WRITTEN REQUESTS, CALLED OVER THE PHONE, FILED POLICE REPORTS AND IDENTITY THEFT REPORTS. THIS ACCOUNT IS DENYING ME FROM PROGRESSING IN LIFE. 

XXXX XXXX {$1100.00}

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