vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding/Resurgent Capital has continued to harass me by sending me 6-10 letters at once about a debt that I don't owe them nor have they proved bearing my signature. I have sent them Dispute Letter, Debt Validation Letter, Cease/Desist Letter and Affidavit Of Truth showing their violations. 

LVNV Funding, LLC/Resurgent Capital Services has violated my rights and continuely try to collect debt that I don't owe. 15 USC 1692c ( a ) states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may NOT communicate with a consumer in connection with collection of any debt. 15 USC 1692 b ( 4 ) states, NOT communicate by post card 15 USC 1692b ( 2 ) NOT state that such consumer owes any debt 15 USC 1692b ( 5 ) NOT use any language or symbol on any envelope or in the context of any communication effected by the mail or telegrams that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2022 off my report with monetary relief

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 2023-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: GA

Complaint narrative:
New Days advertising is deceptive and preys on borrowers.get money in the bank for financial security is ridiculous borrow at 5 % to put in a bank and earn.50 % maybe!!! Incredibly bad advicewhile generating feescompany should be shut dow not just fined!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I had been mislead by there " pre, -approval '' advertising at 3 times I was lead to believe. I'd be able to get a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
We are on Government orders to live and work overseas. We have a loan with TOYOTA Financial. Our XXXX XXXXXXXX XXXX XXXX, is stuck at the US port and can not be shipped overseas because Toyota Financial refuses to provide us a copy of the title, so we can provide to the Government transportation company. We have been without a vehicle for 6-weeks with no end to this dilemma in sight. We have been Toyota customer for over 15 years and we can not believe how Government employees are being treated during theses difficult times. We've left friends, family and belonging behind and now we can not even ship our vehicle because Toyota Financial will not support families transferring overseas on Government order and assignment. 

The Gov shipping company will not move our vehicle without a copy of our title. The loan is financed and we are current on all payments. 
We have been made been communicating on the phone for 4-weeks trying to get the title issue resolved no avail... We are being held back financially without a vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-18 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX off my report with monetary relief. That is not my driver license number. Or provide proof in writing within 30 days.

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 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
From XXXX to First week of XX/XX/2022 there is a illegal transaction from my account I didnt noticed because it was small amount everyday I deposited my salary every weekend which is {$800.00} I bought food at supermarket everyday generally I spend my money by food alone until one day I requested a statement of account I was totally shocked almost of my account came XXXX XXXX??? and the initial balance is almost half taken thats I realized someone using my card. I went to TD bank to complain after a few weeks I received a decision and says Theres no error did occurdo you think I am happy that someone using my card not knowing that Im losing my own money I worked very hard for it like a horse then suddenly someone used it for any day anytime. The bank didnt think very brainy the person who did the decision. Very upset I am a single parent trying to survive with no resources from the goverment neither my sons father its hard to live that everything goes up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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:
I am intrested in disputing all incorrect information on my credit report with transunion.

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 2023-01-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter on XXXX XXXX, 2022 to XXXX. Here is my tracking number ... ... ..... 
However the credit bureaus said they completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with other with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete the investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: OH

Complaint narrative:
2 chime cards were opened in my name and a electronic fund transfer document was filled out and emailed to me. I called and closed the accounts. 

Unemployment check from the state of ohio was sent to me. 

XXXX sent me a card that was opened in my name and I called and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Checked my credit report and account on my report for a bank card that is not mine with an exceeded balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
XXXX had their lawyer send me a letter demanding over {$1000.00} more than what has been reported by XXXX And had falsified responses to this CFPa. 

This is an extreme liability violation. 

You both violated the FDCPA- I warned you and you had a chance to remedy- I am turning this over to a FDCPA lawyer on Friday at XXXX  unless you want to suggest a remedy. You may call me at XXXX up til Friday to offer your remedy to these violations- suit yourself - you need to follow the laws XXXX XXXX XXXX XXXX XXXX. - and Friday XX/XX/2023 at XXXX I am also filing a complaint with the NC Department of Justice- you violated both North Carolina law and Federal law. 

Friday XX/XX/2023 at XXXX  is the cutoff for contacting me to remedy your violations. 

Follow the laws. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, I am a Transferwise customer with email address XXXX Transferwise has deactivated my account with over XXXX XXXXXXXX XXXX without refunding to me. 

Each time I tried to appeal by submiting my bank details in the wise appeal website, I got an error message that I need to send email to XXXX XXXX XXXX  which I did with subject " My Refund Details '' and tickets number XXXX was given to me on XXXX XX/XX/2022 containing my bank details which I need wise to send my refund to. 

I also sent email to wise support email which is XXXX XXXX XXXX containing my USD bank details and instructions on how I want my refunds to be sent to me, but I got no reply. The subject of my email to wise was " My Refund Details '' and the date of correspondence was XXXX XXXX, 2022 I will share the details of the instructions I sent to wise here My decision is as follows ; XXXX. That Wise to convert all the funds that was leftover in my Wise account to USD and send to my USD bank details below : Bank Name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX Routing Number : XXXX Account Number : XXXX XXXX. I also need wise to cancel any pending transfers on my account and move the money to my refund bank details Which is stated in decision number XXXX. 

This means if there was any pending transfers to any beneficiary before my account got deactivated, wise should cancel those transfers that wasn't completed and send the amount to my refund Bank details which is Routing Number : XXXX Account Number : XXXX. 


I want wise to respond in timely manner and send me my refund and provide the refund receipt to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have lost my debit card and there were numerous charges unauthorized by me dating back from XXXX to late XXXX. All the charges were from the state of XXXX which I was not even in. 

I submitted a claim to my Bank ( Bank of America ) on XX/XX/XXXX for a claim amount of {$2800.00} consisting of all the charges from XXXX til XXXX and was told on XX/XX/XXXX that Bank of America would be unable to pay my claim as they state " The charge was authorized by you or made by someone who has permission to use the card or account '' which is untrue. I called them on XX/XX/XXXX to appeal the claim but was told by the bank that they can not open old claims which I believe to be false. 

I understand that some of the charges are too far back to chargeback but I fully expect the charges from XXXX and XXXX to be able to be charged back to my account considering how recent they are. I do not think a blanket rejection of my claim is a valid solution to my issue.

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 2023-01-18 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 incorrect information on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
First off they are reporting inaccurate information with numerous creditors. When a request form removal of inaccurate information was requested they did not investigate as I have written proof in one example ..USBK DOCKET XXXX XXXX  days we verified the information and found it accurate and its still not accurate so I called TransUnion to ask whom they verified said information with and they told me it was verified by the XXXX CALIFORNIA USBK COURT so I took it upon myself to not only call the court but also write a letter asking the courts why they are reporting inaccurate information about me to all three credit reporting agencys and The clerks response was sir we DO NOT REPORT ANY INFORMATION NOR DO WE VERY ANY INFORMATION IN REGARDS TO ANYONES BANKRUPTCYS and sorry for any inconvenience. So now that I know for a fact that not only is TransUnion lying about actually doing the research that they are continuing to report false/inaccurate information on my file and its harming me and if not corrected immediately I will be suing them as well as any company or organization that is in charge of regulating 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 non-monetary relief
Consumer complaint received 2023-01-18 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: NC

Complaint narrative:
Checked my credit report and account on my report for a bank card that is not mine with an exceeded balance.

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 2023-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC
State: LA

Complaint narrative:
I paid a debt that was owed for a hospital visit for my child on XX/XX/2014. I paid {$150.00}. I just received a letter in the mail from another debt collector wanting me to pay the remaining amount of the balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I had an accident on XX/XX/2018 my insurance company payed to have my vehicle fixed the dealership which I bought the truck from receive my truck to fix it or to give me a new one. Unfortunately my truck was sold from under me and now Chrysler capital its reporting I still owe on a vehicle I dont have. The vehicle was never repossessed or voluntarily returned. This account is saying open but it should be closed and off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I signed a deal for a XXXX XXXX XXXXXXXX XXXX XXXX with no money down from XXXX XXXX XXXX XXXX XXXX XXXX and AmeriCredit approved the financing for the vehicle.. On XX/XX/XXXX I was called by the dealership to bring it back because they claimed that my check stubs were fake and that the company I said I worked for wasn't real without proof and after signing for my new vehicle it was taking back without proof of the stubs or company being fake. I went into the dealership with proof and the dealership blamed everything on GM Financial. So I wrote the dealership and the GM financial CEO 's and sent Proof that my check stubs are real along with the business being in good standing On that day. It's Wednesday and I haven't received a response. The worse part about the situation is that a Finance Manager was fired because of it. So was I denied because of the General mangers personal relationship with the finance manager? I only asked because I was told that The Rep From GM financial called the General Manager personally and said that my check stubs were not real. Then the General Manager went as far as looking up my companies DOT number and pulled a old out of service order from XXXX and going along with the rep from AmeriCredit. This has effected my credit score in the worse way and my livelihood because I need a vehicle and I can't go anywhere else until I fix my credit score and get those inquiries of of my consumer report. Not to companies reputation is on the line as well. I went out of my way to prove to them and show them I am what I say I am. Those companies don't even have enough respect for consumers to admit when the make a mistake. It hurts because everybody in the world isn't trying to get over. I really just want my approval to go through and go back and get my vehicle from that dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A refund for over {$9000.00} from my university was sent to a chase account that was closed and it was confirmed by my school XXXX has recently these funds. I have contacted chase to return the funds back to me or return the funds back to my university and I have still yet to receive it. I have confirmation and if not returned I will file a lawsuit against the company.

Company response to consumer: Closed with explanation