vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My checks were altered do to mail fraud .td bank made me wait for 4 months and then sent letter refusing to refund money. The police have report. This is genuine fraud which is no fault of mine. This is serious matter and has happened to many other people. XXXX cam supply letters and copy of my altered checks. Police even said its fraud. This is a disgrace that td bank makes there customers suffer when this is clearly there problem for excepting and cashing 2 checks. I appreciate anything thar can be done.i again would be happy to supply my info and copies of bank report. I am genuinely being ripped off by td bank and being taken advantage of. Thank you for your attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GL Financial, Inc.
State: GA

Complaint narrative:
I had a car contract with XXXX XXXX XXXX which required a cash down payment of {$3500.00} on XX/XX/2021. This is a violation of 15 USC 1662 ( B ) and also the contract does not have any disclosure for my right to rescind which is a violation of 15 USC 1635. XXXX XXXX XXXX sold the contract to XXXX. Financial without my consent. G. L. Financial has harassed my family and use aggressive tactics threatening to seize or take my vehicle this is a direct violation of 15 USC 1692 E ( 4 ) as to a threat is fraud and illegal in the collection of any debts this is a right secured to me by this code herein and the XXXX amendment of the US constitution. 

When I attempted to verify the debt, with G.L. Financial had a lawyer 's office, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, respond back using a scare tactic to get me to back off verifying the debt which is a direct violation of 15 USC 1692 E ( 3 ) with using false and deceptive means of communication. I have enclosed exhibits for proof of all claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

A XXXX XXXX loan account ( XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: GA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.

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 2022-12-28 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: CA

Complaint narrative:
I am a victim of a large ( and still-ongoing ) scam/fraud ring, while trying to purchase a XXXX XXXX last month. I made XXXX XXXX payments for the equipment through my internet banking : {$1600.00} on XX/XX/2022 ( XXXX XXXX XXXX XXXX  and {$700.00} on XX/XX/2022 ( conf. no. XXXX ) before I realized my mistake and reported it, but Bank of America did not investigate my claims, and they refused to reverse the payments because they were " authorized ''. They advised me to " contact the person you sent the funds to directly for further assistance ''. Of course I have already contacted that person, and naturally they are unwilling to return the money ( this is why I reported the fraud to my bank in the first place ). I am certain I am communicating with the recipient of my payments because we communicate using the email address they used to enroll with XXXX. BoA have refused to take any further action, referring me to XXXX, and XXXX have refused to take any action at all, referring me back to BoA because the payments were made through their internet banking. XXXX has enabled BoA to process payments without appropriate customer protections, without incentives to prevent or investigate fraud, and to trivially wash their hands of liability. I am more upset about BoA 's behavior and the structure they ( and XXXX other major banks ) created than I am about losing the money. In retrospect, it's no wonder that XXXX is so closely associated with scams and fraud. The current structure should be illegal and changes to Regulation E are desperately needed.

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have Chase XXXX XXXX XXXX card for many years. I have used it to pay for XXXX amounts for several years now. I recently noticed that starting in XX/XX/2022, Chase started charging me {$10.00} for every transaction, even for as small as {$1.00}, made through XXXX. When I called Chase supervisor told me that they classified XXXX as money order in XX/XX/2022 and so they charge a cash advance fee every time XXXX is used. When I told her that I never received any notice about this change she told me that there was no need for it because cash advances are covered in original agreement. When I asked how can you change categorization of a product which starts costing money to consumer without informing them, her answer was that they don't have to inform consumer about anything!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
REJECTING PayPal Credit answer or response because it is a bogus answer or response and is not attached with any proof of Software received by the merchant to have any such charge on my statement they are trying to submit as a valid statement. 

PayPal Credit was supposed to have directly contacted PayPal and shared the dispute with them as you can see they did not but wish to make a statement on behalf of PayPal. 

Send proof of merchandise received and the time and date of receipt of the merchandise. If you can not ( PayPal Credit ) then your act or actions are fraudulent to the point that I am not going to pay for something or be bound to you or anyone for something that I did not receive. 

Billed your merchant and report such to the credit bureau on your merchant. 

You are trying to use these undercover methods and ways thinking that you are going to scare me and place my credit score at risk for something that you failed to do and failed to obey and understand the regulations. Once again, I am REJECTING your response to the CFPB for it is insane for you to think that I am going to pay you for something that I never received and I timely and effectively reported to you over a year ago before filing this complaint with the CFPB. 

This is a complaint against PayPal and PayPal Credit located at PayPal and PayPal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PayPal XXXX XXXX XXXX XXXX XXXX. La XXXX, XXXX XXXX PayPal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone # XXXX Dear PayPal and PayPal Credit XXXX This matter of concern in regarding this issue or matter in nature of this dispute has been exhausted with I will not make any more payments in regard. Since you know so much about this merchant, please send the full and complete physical address of this merchant which should be a XXXX XXXX address. XXXX XXXX XXXX PRIVATE LIMITED XXXX XXXX XXXX XXXX B INFOWAVES PRIVATE LIMITED The receiver of this payment is Non-US - Verified XXXX XXXX XXXX I will only pay off the balance for the items that I have received and nothing else. I dont need to say anything else except not to send me any further communication or billing in regards. Thanks XXXX XXXX XXXX : Consumer Financial Protection Bureau

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank Of America XXXX XXXX card ending in # XXXX is wrongfully withholding my {$120.00} that was deposited XX/XX/2022 as an electronic deposit from a refund from a vendor, XXXXXXXX XXXX XXXX XXXX XXXX AZ.

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Illegal eviction. Chase and XXXX XXXX XXXXXXXX account freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: FL

Complaint narrative:
I am intrested in disputing all invalid information on my credit report with Equifax. please update all the information to help my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
As of XXXX XXXX, 2022, Bank of America closed my account without any indication. I had deposited a check the week before and they never told me they were closing my account. I have been patiently waiting for them to refund me the owed money, which would be about {$5600.00}. 

Called XX/XX/XXXX asking the process and was told that a cashiers check would be mailed out by the following week. The review process was basically ending that day on an account that was seemingly closed, which it wasn't yet. Called on XX/XX/XXXX to see where the location of my refund was and was told that the account was still in process of review, over a month after they said my account was closed. They said the process will be done today, XXXX XXXX. I see no trust or believe this at all. 

They have held my money for over a month on an account they said is closed, but isn't closed, yet I can't go into a physical bank and withdraw 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 monetary relief
Consumer complaint received 2022-12-28 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is reporting errors and rumors on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: CO

Complaint narrative:
XXXX is reporting errors and rumors on credit reports.

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 2022-12-29 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: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: IL

Complaint narrative:
XXXX a living human being, a natural person. I have filed complaint after complaint to inaccurate accounts information with company not providing verification of documents waiting XXXX days complete refusal. I have rights under 15 USC 1681, Equifax is governed by 15 USC 1681 and they an creditors have violated my rights numerous times. I demand these accounts be deleted because- XXXX  # XXXX, - XXXX XXXX # XXXX accordance to 15 USC 1681. I have the right to privacy and I did not give the credit reporting agency written instructions/permission to furnish these accounts - Section 623 ( a ) ( 3 ) missing notice of dispute- Section 611 ( a ) ( 1 ) failure to investigate items in 30 days should be deleted- 15 USC 1681e ( b ) accuracy of report- 15 USC 1681n Civil liability for willful non compliance- 15USC 1681s-2 ( b ) reporting of information after notice of errors- 15 USC 1681i ( 5 ) ( A ) ( i ) treatment of inaccurate or unverifiable information provided in case of dispute accuracy by credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

A speedy cash loan account ( XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have a car loan through Santander, they have repossessed my car XXXX times which led me to file bankruptcy because they will not work with me, the car has a negative equity of XXXX and they are asking for the full amount to be paid which changed from XXXX to {$13000.00} I really need my car and help resolving this issue they picked up the car recently XX/XX/22 and they will not accept payments. They are getting over on thousands of people I really just need my car back the rep I spoke to told me I have XXXX weeks to come up with the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went into the dealership with a pre approval from XXXX XXXX XXXX  the Make that was helping I gave the pre approval and stated this is the only company I would like my credit pulled from since I already had an approval. XXXX and his boss assured me that they would only pull from XXXX XXXX XXXX but when left I started to get a bunch of inquiries. I did not authorize XXXX to pull my credit from all the companies they pulled from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My mortgage was recently transferred from XXXX XXXX to PNC Bank. My property is in a flood zone and requires flood insurance as outlined in my mortgage agreement. PNC Bank failed to send the renewal fee for my insurance, causing the cancellation of the policy. The fee was due XX/XX/XXXX and the check from PNC Bank was received by the insurance agency on XX/XX/XXXX. PNC Bank never reached out to me to alert me of the insurance cancellation or let me know I was no longer covered, instead they put their own policy in place without my consent, which is double the cost of my previous policy and sent me a letter with this information on XX/XX/XXXX. They also increased my XXXX escrow payments to cover this increased flood insurance cost that I never approved. 

My insurance agency reached out to me to let me know what had happened and created a new policy for me that started XX/XX/XXXX. I called PNC Bank to let them know that XXXX. They defaulted on the agreed terms of my mortgage agreement XXXX. They attempted to defraud me by intentionally allowing my preferred policy to lapse and then requiring me to adopt their in house policy that was double the cost and XXXX. Never contacting me to admit their failure or obtain my consent to change the agreement. The bank refuses to take any responsibility and also refuses to remove the charges I incurred between the first policy being cancelled and the policy being reinstated ( XX/XX/XXXX to XX/XX/XXXX ), even though they never contact me by phone or mail to address the problem they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Its clear to me after not being approved by CITI several times, that for some reason, they are blocking me. And that is discrimination. 

My XXXX XXXXXXXX AAdvantage  card in XXXX was a noteworthy account then changed to Platinum Select Card.XXXX XXXX, it continued to be noteworthy. In XX/XX/XXXX, I paid my {$99.00} membership from the bill I received from CITI. But something happened with the account on XXXX XX/XX/XXXX, when I paid my annual membership fee of {$99.00}. There was a credit balance XXXX {$99.00}. On XXXX XXXX, I received a {$99.00} refund check. But the account should not have been closed. 

Request you review my account and see what negative comment is listed that is causing these problems. 

Since then, Ive tried several times to re-open the account but CITI WAS NOT HELPFUL AT ALL and they gave me a verbal negative short response. So I applied several times for a new XXXX XXXX AAdvantage Program and was denied by CITI both times. 

I would think a long and up-standing XXXX XXXX XXXX XXXX be treated much better than this. 

After a thorough review of my credit report provided by XXXX, there are only positive comments. All reflecting that I pay my debts on time and that I pay more than monthly amounts. 

I did not include my husbands income, but since his new car is listed, you need to increase our annual income to $ XXXX. We have XXXX house that is paid in full, and another house that is paid in full but has an equity loan of $ XXXX. 

I did not include his information for he is already in the Advantage Card program. He has his card for his travel interests, and I have mine for when we do not travel together. XXXX trying to purchase an XXXX XXXX ticket for XXXX, but this is holding me up from doing that. 

Discrepancies with the credit report - XXXX address that are listed that are not mine. I never resided at : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Id never live in XXXX ) and XXXX XXXX XXXX. Those address need to be removed from my report immediately and any comments related. 

Appreciate your assistance in correcting these infractions immediately. 

Happy 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