vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Credit 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
XX/XX/XXXX, I took a taxi in XXXX that charged me XXXX XXXX   and paid with my Citizen 's bank Mastercard. ( Receipt attached ) As you will see in my statement, attached, there are two back-to-back transactions : XXXX Sum-Up XXXX  - {$2100.00} ( this is fraudulent and in the claim ) XXXX XXXX  - {$24.00} ( this is the ok taxi charge ) XXXX XXXX, XXXX - I opened a case with Citizen 's bank # XXXX and spoke with Customer Service Rep XXXX. 

XXXX XXXX, XXXX I followed up with Citizen 's bank and an associate by the name of XXXX gave me the following Claim number : # XXXX -XXXX XXXX  I received a letter dated XX/XX/XXXXXXXX  stating that my claim was denied. 

The bank has failed to show proof of such a large transaction which usually requires identification and a signed receipt- {$2100.00} transaction. 

The bank is failing to attend to my claim and dispute. 

Thank you for your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been a victim of identity theft. Someone used my social to try to obtain credit. I have inquiries on my credit report i did not authorize. I have not applied for 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 2023-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions.
State: IN

Complaint narrative:
Hello I am trying to resolve a problem with a debt agency, for the past 2 months Ive continually and consistently asked the company I owe, the debt collector, and the parent company of the debt agency to get answers but have not gotten any correspondence from anybody. I never received an original bill only that I owed debt. I am stumped and need help, this is not only unfair but unprofessional from all companies involved. Please contact me as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/, XXXX alerted me to a hard inquiry on my credit report from Capital One Bank USA. I did not apply for this or ever authorize them to review my credit. I would like this inquiry removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/. Notified PayPal on XX/XX/XXXX that transfer recipient was a fraud/scam and they transferred the {$180.00} anyway

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX as Trustee who is recorded in court documents. Be advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights as we had asked to rescind loan under TILA VIOLATION as well as all assignments involved with our loan and we understand that this Law Firm is or has been designated as the XXXX over the property of XXXX XXXX XXXX XXXX Georgia XXXX your firm was given authority over this property then you should be well acquainted with all of the assignments listed in court documents such as we have stood on the premises of this proclamation yet there is no clarity revealed in the processes sent forward whereas 13 to 14 banks have been involved in this merry-go-round. In our files the loan numbers are as follows XXXX XXXX, XXXX XXXX, Bank of America XXXX XXXX VA XXXX # XXXX now we are told that XXXX is once again proclaimed to XXXX party of the property. Yet we have received only XXXX more notices of assignment changes and they are for BOFA MERRILL LYNCH XXXX XXXX, XXXX ( NEW OWNERS ADDRESS XXXX XXXX XXXX XXXX XXXX, NY XXXX ) Now in relations to these assignments it is now a company documented by the Secretary of the State of Georgia first under XXXX XXXX and now XXXX XXXX as XXXX XXXX No. XXXX BOFA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, North Carolina XXXX XXXX 

We have irrefutable evidence that in 2006 our loan was paid in full by XXXX XXXX and was a resale exchange.Irene XXXX XXXX XXXX Bank of America in a written statement That we had a purchase money transaction, and it is evident from their review that the proceeds From this loan was consummated in XX/XX/2006, any extended right to rescind, even applicable Has expired pursuant to TILA Furthermore There is no evidence of a Mortgage documented on any of the XXXX credit bureaus since XXXX file examined by FOIA. 

The XXXX XXXX Department has taken our case and have assigned a XXXX involving the life of our loan and the suspicions of fraudulent activities concerning over the life of this loan.

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 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I have been trying for 2 weeks to get someone in customer service to answer questions about my repayment and I have been on hold for 1-2 hours. I am unable to get anyone live at all to talk with and now I have another bill that is due in 2 weeks that is in a repayment status that I didn't request ( I have requested XXXX for all of my loans and this one is listed as level ). It is so extremely frustrating to be told I owe money but not be able to talk with anyone about the problem. I can't even request a forbearance while I work this out because I HAVE TO TALK TO SOMEONE. The more research I have done shows that MOHELA is HORRIBLE with customer service and getting someone on the line. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XX/XX/XXXX  Re : Formal Complaint Against LVNV Funding LLC Dear Sir or Madam, I am submitting a formal complaint against LVNV Funding LLC due to their deceptive collection practices and violations of my rights under the FDCPA and FCRA. Last year, XXXX XXXX XXXX, acting on behalf of LVNV Funding LLC, contacted me regarding an alleged debt, which I immediately disputed via priority mail and email. However, they failed to respond or provide any evidence of the alleged debt. Despite their failure to validate the debt, I recently discovered that LVNV Funding LLC has persistently continued to report the invalidated collection on my credit, which is a direct violation of federal law. 

These actions constitute unlawful debt collection practices in violation of the FDCPA and the FCRA, and there is a history of complaints and lawsuits against these agencies for deceiving and abusing consumers like myself. I respectfully request that appropriate fines be imposed and the immediate removal of the invalidated collection from my credit reports. 

I have attached copies of my credit reports, the dispute letter, email, and USPS tracking proof to show that they received my dispute for your reference. Your assistance in safeguarding my rights under the law and preventing these individuals from causing further harm to consumers is greatly appreciated. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
A XXXX transfer was initiated in XXXX from Ally Bank for {$500.00} to XXXX XXXX. When the funds were not received I asked what happened and was provided a tracking number. The receiving bank indicated that they had not received and the transferring bank should make a request to the receiving bank to reverse the transaction. The transferring bank refused indicating it was my error and tough luck, I verified the account but that was not where it was sent. and they sent me to the portal which does not provide the detail. I asked for a supervisor call back 2 weeks ago, still waiting.

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 2023-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Consumer Adjustment Co bought an old payday loan that had already been on my credit report & paid off over a year ago & theyre REPORTING IT AS NEW & ruining my credit when Im looking for an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
The minimum payment can not be changed. I attempted to take a {$50.00} minimum payment and increase it to {$300.00}. I attempted this online and talked to a representative and was told " It is a new system and it does not allow us to set that up. '' So a loan structured for 3 years would take 20+ years to pay and I'd be responsible for tens of thousands of extra interest. This is super shady and certainly stacks the deck in the bank 's favor. Anyone not paying attention would be fleeced by this despicable practice.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
These accounts have an error that hurt me. These negatives that I did not make are on my credit report. 

XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
These accounts have an error that hurt me. These negatives that I did not make are on my credit report. 

XXXX - XXXX XXXX - 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 explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Lowes Synchrony Bank Missing payments Made payments with online Banking with XXXX {$110.00} Issued on XX/XX/XXXX  {$900.00} Issued on XX/XX/XXXX  Send all documents to Lowes Synchrony Bank copies of checks front and back Letters from XXXX stating payments was made Copies of XXXX statements showing payments to Lowes As well as an Affidavit from XXXX to be filled out if payment was not received but Synchrony Bank refused to fill out. I have received credit and had it reverse about five times. This is my second complaint on this matter

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX is reporting inaccurate information about a loan that was settled. The amount they are reporting is incorrect, they seem to have different information reported with the credit bureaus. 

I am attempted to dispute this with XXXX, Transunion, and XXXX but have not been successful with getting this concern corrected. 

The credit bureaus are doing incomplete investigations and just going off of what XXXX is sending them.

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 2023-10-17 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I am writing to complain to EXPERIAN about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2023-10-17 00:00:00
Product: Credit 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 contacted TD Bank because in a trip to California in XX/XX/XXXX  my daughter who is the authorize in one of my TD credit card account her credit cards were stolen and TD card had a lot of transactions that were not hers. She called TD bank and reported to TD bank, and TD bank said they were resolving it. Gave me the credit and then they put charged the card again, this is not fair to me, We did not use that card in California. We don't have need to lie about it. This is very injustice that now they are charging me for transactions, charges that WE didn't do in our trip to California. I am kindly asking for help. Please help me investigate this as I tried all I can to tell TD Bank that we didn't do it. On the last letter they said they investigate and if they really investigated, they would of find out that wasn't us. I know TD Bank did not do their job to investigate it thoroughly. WE DIDNT DO ANY OF THOSE CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  claims I took out a loan that I never did take out ask for the paperwork showing where I signed for the loan they never gave me the paperwork or sent me anything showing I sign for the low this was opened under an address that was not even my address and address that I have never lived at I did not open this loan or take out this loan the address isn't even mine please have them delete this from my Equifax and XXXX credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  claims I took out a loan that I never did take out ask for the paperwork showing where I signed for the loan they never gave me the paperwork or sent me anything showing I sign for the low this was opened under an address that was not even my address and address that I have never lived at I did not open this loan or take out this loan the address isn't even mine please have them delete this from my XXXX and Experian 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 explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting 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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Since I received notification regarding my account on your platform www.coinbase.com and the Coinbase app will be limited to sending funds only as of XX/XX/, because they are disabling the access to accounts that no longer meet your updated standards for these services. Also they advised me that this is a temporary measure and you may soon open up the option for you to meet KYC requirements that would allow us to access our products and services again. However, their platform presents problems in complying with this request. I only was able to update my ID on the platform by uploading my national identity document ( XXXX ), but not my address despite a huge amount of attempts, uploading the different document alternatives that they mention on your platform, I am always rejected by the platform authentification process. My account does not have a lot of money ( XXXX dolars ) but I do not want to lose it because Coinbase are unilaterally determining this because you are not generating adequate means to comply with KYC requirements. 
The case number give me for the support team of Coinbase ( XXXX # XXXX ). Today I received a reminder to enter new information to avoid account closure on XX/XX/XXXX. I need a definitive solution to the platform problem. 
They inform me that if I do not do so before XXXX, my account will be cancelled and I will lose my money. 
I feel that the platform is failing on purpose and thus harming small foreign investors. They excuse themselves because of the regulations that have been imposed on them in the XXXX. Since XXXX I have not been able to sell the XXXX fraction I have and the price has not stopped falling, losing resources from the little savings I make from my work. I feel that they are taking advantage of me for having invested from XXXX in their platform. To date I can not make sales or transfers because I have not validated documentation, which is impossible to do because of the failures of the page and Coinbase application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A promotional purchase was made on XX/XX/2023 for {$6900.00} for a 24 month promotional deferred interest with XXXXSYNCHRONY CAR CARE. 
Monthly payment options were discussed at the time with a XXXX representative that monthly payment amounts would be approximately {$290.00} per month. 
Synchrony monthly statement was issued on XX/XX/2023 with the minimum payment of {$340.00}. Synchrony customer service explained that this was calculated at 5 % of the outstanding balance, It also stated I agreed to the terms and conditions of this purchase. 
I was never given this information at the time of purchase. The higher minimum payment is unexpected and does create a hardship on my monthly budget since I am on fixed income and not employed.

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