vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XXXX, I was approved for a line of credit for TARGET CREDIT CARD. TARGET CREDIT CARD failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. TARGET CREDIT CARD is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but TARGET CREDIT CARD defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. TARGET CREDIT CARD is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from TARGET CREDIT CARD contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to TARGET CREDIT CARD with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I have been paying HESAA XXXX XXXX  monthly since XX/XX/2021 on a loan that I co-signed for my son. They repeatedly credit the payment to loans that I am not listed on. 

I've been overcharged without my permission and reported as delinquent on my credit report. 

I have emailed on 2 occasions in the past month with no response, called several times, and the best that they could tell me on the telephone is that a person posts the payments incorrectly. They suggested that I email HESAA and I've not received any relief to date. The agents that I have spoken to have disclosed information to me regarding other loans that I am not listed on, which I believe to also be a significant issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, I was approved for a line of credit for XXXX XXXX CREDIT CARD SERVICES. XXXX XXXX CREDIT SERVICES failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX CREDIT CARD SERVICES is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX CREDIT SERVICES defaulted on the letter. I am the original creditor and consumer. No code in XXXX law states that a consumer must pay a monthly statement or bill. XXXX XXXX CREDIT SERVICES is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX CREDIT SEVICES contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX CREDIT SERVICES with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any XXXX XXXX company working on my behalf. I believe I am a victim of identity theft. Due to the XXXX we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports and found that this ALLIED COLL ( Original creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Here is the account being in question : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4900.00}

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 explanation
Consumer complaint received 2021-10-30 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: GA

Complaint narrative:
Im a victim of identity theft. The information listed below which appears on my credit report doesnt relate to any transactions that i have made. The following items are fraudulent 1. XXXXXXXX XXXX XXXX Acct # XXXX {$350.00} 2. XXXX XXXX Acct # XXXX {$1500.00} 3. XXXX XXXX XXXX XXXX Acct # XXXX {$1800.00} Ive sent multiple request to both XXXX & Experian they both continue to ignore me and refuse to do a proper investigation. Please see attached FTC 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 2021-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX I contacted XXXX Credit Card owned by Comenity asking what my entire balance due was to pay off the credit card. They responded on XX/XX/XXXX that my balance due was XXXX and that they would close my account at my request. On XX/XX/XXXX I paid them XXXX ONLINE. The next month I got a bill for XXXX which was two late fees. 
I contacted the XXXX and they got no response from Comenity and closed my case last month. I contacted Comenity in XXXX and again in XXXX. They refused to remove the charges saying that my payments was late in XXXX, and then they added XXXX 's fees because I didnt pay in XXXX either. I argued, and sent proof that they sent me a letter stating what I owed and that I paid it. They still refused to remove the charges. 
Today, XX/XX/XXXX I got a bill for {$200.00}. So since XXXX I have been billed an additional XXXX on a paid off account. 
I cant retrieve any messages that i did not download because they delete messages after 120 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: Premium Credit Bureau
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. Upon reviewing my updates, incorrect information was found in my reports. The XXXX and XXXX Credit Bureaus have 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 is the inquiry that is reporting on my Credit Report : PREMIUM CB Inquired on XX/XX/2019 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: FL

Complaint narrative:
Please be advised, Im a victim of identity theft. Someone used my information to get medical care. XXXX XXXX XXXX was deleted from my account was removed from my account on XX/XX/XXXX. Due to it being fraudulent. It was with XXXX XXXX. Now it has reappeared with XXXX, This account is fraudulent. XXXX or XXXX XXXX Didnt give me a 5 day written notice, which is a violation of the FCRA. These accounts are fraudulent, Ive never done business with this company or entered into a signed contract with these companies 1. XXXX XXXX {$500.00} 2. XXXX XXXX {$500.00} 3. XXXX XXXX {$810.00} ( XXXX XXXX XXXX ) Which was deleted already!! 

The following inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX credit XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The following names XXXX XXXX XXXX, XXXX XXXX The following employers XXXX XXXX The following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX All items listed are a result of fraudulent acts. None of this stuff belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2021, I was contacted by someone claiming to be someone who can help me financially. As someone who When I reluctantly accepted, they sent me a check for {$4500.00} which I deposited into my bank. On the next day, however, they began threatening to report me for theft to the authorities and demanded the money back. Over the next two days, I sent back two payments of {$1500.00} because that is the max allowed for me to send each day on XXXX ( via Huntington Bank ). But this morning ( XX/XX/2021 ), when I went to make the final payment to the individual, I saw that on top of the {$3000.00} I already sent, an additional {$4500.00} was withdrawn from my account; leaving me a balance heavily in the negatives. I immediately contacted my bank ( Huntington Bank ) and was told that there is pretty much nothing I can do besides paying back the negative balance despite having already paid two thirds of the balance. So unless I get some help, I am in the hole for the foreseeable future. Never trust people who claim to be generous and giving. They're all scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
XXXX as well as Coinbase have altered the XXXX XXXX XXXX XXXX as of XX/XX/2021. Current supply shows between XXXX XXXX while before this glitch occurred during a huge increase in price the circulating supply was stated as XXXX XXXX. Those of us who invested at the XXXX XXXX circulating supply point either over paid for coin or the error needs corrected along with loss of value due to an error that has been now going on for 3 days. This is clear market manipulation and also needs investigated by the SEC as well. This is beyond believable that a company owned by hedge funds are actually allowed to rob people of a growing free market with manipulation like this. So to fix this issue either the supply value needs corrected or those of us who entered into a transaction with these companies need what we are owed due to false information. If this happened on the stock market this company would have fixed this instantly and these two exchanges need fined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: ME

Complaint narrative:
I purchased a foreclosed property to renovate with a XXXX loan in XXXX of XXXX for $ XXXX in XXXX, Maine with Freedom Mortgage. I was given a HUD appointed consultant ( XXXX XXXX XXXX XXXX ) to release payments for quality work. My first contractor ( XXXX XXXX ) was inadequate after botching foundation repairs and was ultimately fired but was given money for things he didnt complete ( $ XXXX ). After waiting out a lien sign off refusal, the second contractors ( XXXX XXXX  ) started in XX/XX/XXXX. We had a plan to complete a downgraded version of the home but they did not consult town code enforcement before performing work which they were paid for ( $ XXXX ). The problem was first floor beams and foundation but they used most of the renovation budget on other things which left me with a half demolished home. I would have to ask for an additional $ XXXX to complete the home because of pandemic price hikes pushing the price of the home pass its value and my budget. I hired a lawyer to assist but told my case against all 4 entities would be slim and may be more costly than the reward. In XX/XX/XXXX, I hired Real Estate agent and Short Sale Cooperative to short sell the property so I can purchase another home for my family. After 5 months Freedom Mortgage says the house was unlivable and rejected selling to potential buyers. Its confusing when it was unlivable before any renovation which puts me in a Deed in Lue or Foreclosure situation. Since I am a building novice, I just paid mortgage on time and assisted the contractors making sure they got reviewed for payment when requested. I thought the XXXX loan was to protect me from this exact issue but everyone else got paid and I am left without a house, potential debt and credit hit. I could use any assistance to help protect consumers from further professional abuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
We contact the company and let them know that we have an account for {$9.00} and stop charging us for {$100.00}. 
I disputed it with my bank after XXXX made three attempts to draw the money ( capital one ), I was told by capital one that theres a block is made and for us the change our card. We did that and was informed by capital one the the dispute was resolved and that to notify them of any more problems. In less than 24hrs XXXX  withdrew the money from my account when contact capital one I was transferred from departments to departments. After spoken to someone whom I thought was from the fraud department told me that the block to my card will take two billing circle and that they are not responsible for my card being charged every month for the {$100.00}. I let them know that thats a new card being shipped and is already being billed and its not in our possession. Capital one stated that it out of their control, that XXXX contact master card for our new card number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi I got this store credit which is from Macys store and the cashier explained it to me that I will save money I mean it will be zero interest and it will be no fee charge anything it was completely wrong I purchased one dress with XXXX and they give me the receipt and go away in home and try the dress I noticed that the dress doesnt have a tag and I went to Macys to return it even though I had the receipt and I pay with that Macys card they told me that because I dont have a tag they can not give me full price so after so much back-and-forth after one week after I spoke with different management and finally to return it for me but a crazy wasnt available I try so hard and after a while then I purchase something else and I was going to make my payment online I noticed that was close basically they close my account and we talked any notification and telling me they didnt talk to me at all when I called customer service they help me for interest for the help me for a late fee which is I dont even know whats going on and like I said they close my account and also they reporting very negative on my XXXX XXXX XXXX and XXXX because I try so hard more than 20 times to call him and talk to them but if he was me I would like to ask you to help me at this matter and address this matter for me and also regarding my Credit report please help me I am sincerely appreciate 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 2021-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. Please see below the account in concern : CREDIT COLL ( Original creditor : 06 XXXX ) XXXX Balance {$630.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Dear Sir or Madam I am writing to complain regarding double taxes that I am forced to pay on my vehicle lease by Infinity Financial Services. 
On XX/XX/2021 I have signed the vehicle lease agreement for XXXX XXXX XX/XX/XXXX at the XXXX XXXX XXXX in XXXX, New Jersey. 
The lease payments were agreed and fixed at {$460.00} per month. I was making payments as agreed. 
On XX/XX/2021 I have moved from XXXX XXXX  to XXXX and when I called Infinity Financial Services to update my address they adjusted my account and my payment increased by {$32.00} per month. 
When I called their Customer Services they explained to me that this is due to the change of the address and that XXXX collecting Sales Taxes monthly where that XXXX XXXX collects them upfront. This means that I have already fulfilled my obligations in full with the Department of Revenue of the Sate of XXXX XXXX on the Sales Taxes when I obtained a vehicle. 
Therefore, I do not understand why do I have to pay taxes again on the same vehicle. 
I have called XXXX Department of Revenue and representative explained that XXXX give a credit to the taxes paid in full in another state and XXXX XXXX is included. They have also provided me with the document confirming that. 
I have faxed this document to Infiniti Financial Services with request to adjust my account to the agreed amount of {$460.00} per month. 
However Infiniti Financial Services has declined my request without explanation. 
I still don't understand on what grounds they charging me extra taxes for the same vehicle. 
They are unwilling to communicate with me regarding this issue as well as explain their decision. 
Never the less, my second vehicle lease from XXXX XXXX XXXX was adjusted without a big effort, I do not understand why Infiniti Financial Services unwilling to provide satisfactory explanations of their actions and make necessary adjustments to my lease payments.

Company response to consumer: Closed with explanation