vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was recently a victim of Identity Theft with several fraudulent accounts opened in my name. Shortly after putting a fraud alert on my credit report and working to close the fraudulent accounts, I received a " welcome '' brochure from WSFS bank with no other information. I called them immediately to make sure that their weren't additional accounts opened at WSFS. Customer service assured me on XXXX occasions that while there was a profile created, there was no account opened. They don't seem to have any fraud or ID theft department and were rather uninformed about banking fraud. 

2 months pass and I receive delinquent loan notices from WSFS 3rd party loan servicing partner, XXXX. I did not apply for nor accept the terms of this loan, I didn't even know about it. Turns out WSFSXXXX did issue a loan to some fraudster and WSFS did nothing to protect me or notify me. In fact, the 2 entities - WSFS and XXXX don't seem to communicate at all, particularly not about banking fraud and consumer identity protections. When I inquired, WSFS incorrectly told me there was only a profile created, no account in my name/SSN and yet they issued a large loan through XXXX. If they had better procedures and controls in place, I would have been notified sooner and perhaps they could have saved me yet another incidence of my identity being used to fraudulently open accounts/loans. Once I did learn about the loan, WSFS was completely unable to assist me. No consumer protection whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My name is XXXX XXXX. I live in XXXX Connecticut and I work for the United States Postal Service. I received my paycheck on Friday, XX/XX/XXXX in the amount of {$1300.00}. I deposited this check at noon on Friday XX/XX/XXXX. The ATM displayed a screen that said {$220.00} would be available on XX/XX/XXXX and the remainder would be available in XXXX business days. The following day someone cleared the ATM and placed a 10 business day hold on the entire amount of my payroll check. This means that the hold doesnt come off until I get my next payroll check. Making it a month without me getting any income. I have deposited the same checks from the same Postal Service for XXXX months. I have been a customer of the bank since XXXX. They could give me no reason why they put this extended hold on my paycheck. When I called to complain I was told that they can do whatever they want with paper items and the hold will stay until the XXXX. I ran out of food and Im having massive financial problems from not getting paid for a month. I dont know what to do I need my paycheck every XXXX weeks. XXXX, the woman to whom I spoke on XX/XX/XXXX was clear that they have the authority to hold whatever they want as long as they want. Is there anything I can do?

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 2021-11-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: PNC Bank N.A.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
This is my responce to ally financial, this is my last warning to your corporation and final draw. 

The contract you sent me has signatures on it that my original copy does not have, this is constructive fraud, The law in this regard is relatively straightforward. A trust is not a legal entity and therefore lacks legal capacity. The trustee must undertake all legal formalities pertaining to the trust arrangement. 
CONSTRUCTIVE FRAUD Under contract law, a defendant can be liable to a plaintiff for constructive fraud if there was : ( 1 ) a false misrepresentation ; ( 2 ) in reference to a material fact ; ( 3 ) for the purpose of inducing the other party to rely on such representation ; 4 ) on which the other party did justifiably rely ; ( 5 ) which resulted in damages or injury; and ( 6 ) a fiduciary relationship between the parties. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX ( XX/XX/XXXX). 

Bad intent or dishonesty is not a requirement to satisfy constructive fraud. 

The elements for actual and constructive fraud are the same with two exceptions : constructive fraud drops the element of scienter -- knowledge on the part of the injurer of the representations falsity -- and adds the element of a fiduciary relationship. 

There's no lawful money to pay and debt which means constructive fraud is being performed in everyone that accepts credit cards and federal reserve notes which are " debt vehicles '' This debt is a obligation of the United States 18 usc 8 Banks do not loan money and its ur duty to borrow 12 usc 1431 Ally financial shall provide a bank statement from there personal account proving they loaned me money, since they are saying I owe them. 
You took XXXX down payment violation of 15 usc1605, you also violated cease and desist as your still sending me threats for repo when you never had possession of my property to begin with, that will be theft if you touch my personal property. As far as the repo man you shall warn him if he come and takes my property he will be breaking the cease and desist order and will be just as guilty in fraudulent activities, Also your 30 days has expired as my affidavit of truth unrebutted stands as truth in commerce and there is no statue of limitations on fraud you should have responded to my facts line by line in another affidavit but you failed to respond to it, and should have been no problem if everything you are saying is true Once again this is your opportunity to cure if not I will go further and you will not win this im a living man, original creditor, natural person. 

And have all evidence on fraud and my consumer rights that have been violated,

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 2021-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Please be advised that Bank of America took me to court to collect funds for their Charged Off account. The court has dismissed their motion XX/XX/XXXX. 
However, Bank of America reported me again to XXXX in XX/XX/XXXX. I'm attaching the appropriate pages from the Credit Report and the copy of dismissal

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 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by Synchrony Bank d/b/a SYNCHRONY FINANCIAL. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by Synchrony Bank d/b/a SYNCHRONY FINANCIAL on XX/XX/2020 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by Synchrony Bank d/b/a SYNCHRONY FINANCIAL adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. Synchrony Bank is now civilly liable to pay me for the damages.

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 2021-11-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX - Inquiry : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Complainant XXXX XXXX attempted to purchase a home located at XXXX XXXX XXXX, XXXX, GA ( XXXX County ). Complainant identified himself as XXXX XXXX. Complainant belongs to a class of persons whom the Fair Housing Act ( the Act ) protects from unlawful discrimination because of race. Complainant alleges discrimination by Respondent Quicken Loans XXXX XXXX, through Respondent XXXX XXXX, Senior Loan Officer ( XXXX ) and Respondent XXXX XXXX, Director of Mortgage Banking ( XXXX ) Complainant alleges prior to applying to get a loan from Respondent Quicken Loans XXXX XXXX, he informed Respondent XXXX that he would be receiving down payment assistance through the XXXX County Home Stretch Program. Complainant alleges he was initially informed that the program was accepted by Respondent Quicken Loans, XXXX, but after applying and being approved for the loan in early XX/XX/2020, he received a letter stated the loan was denied because he had insufficient funds to close on the subject property on XX/XX/2020. Complainant stated that he contacted Respondent XXXX to get a reason for why the down payment program was not being accepted, but she could not provide a valid reason. Complainant stated he escalated his concern to Respondent XXXX and was informed the reason for the denial was because the debt to income ratio ( DTI ) was 200 %. Complainant alleges that Respondent XXXX reason was false and he believes the XXXX was used to disguise the true reason for the denial, which he believes is race. Complainant stated that he believes once it was discovered that the subject property was in a predominately white neighborhood, the Respondents decided not to accept the down payment program. Complainant alleges before disclosing the location of the subject property, the Respondents were fine with allowing him to receive assistance from the down payment program. Complainant stated as a result of the Respondents denying his loan, he lost the opportunity to purchase the subject property. Complainant believes the Respondents have collectively discriminated against him based on race in violation of the Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: RI

Complaint narrative:
It has been many months, can't remember exactly which date, I found out my credit was damaged in this spring, and realized there was {$810.00} non-payment rent ( it is the fee the landlord trying to charge for the cleaning, I had non-refundable deposit with them, so when I move out I didn't give the previous landlord my new address ). 

then, I asked my attorney friend to call the debt collector company in 3-way call, we told the debt collector that we didn't even see any bill or notice, and the debt collector told my attorney that they called me one time ( I can't remember or I might took it as scam ), my attorney told them that they have to send me a " 30 days notice letter '', they said they just give a call was how they do all the time. My attorney asked them to remove this and send me the '' 30 days notice '' letter, they refused, they requested me to pay first otherwise won't remove my record. 

then, I tried to dispute this with 3 Credit Bureaus many times, again and again, told them what happened, asked them to remove, but didn't work out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXX XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-Balance {$0.00} XXXXBalance {$1000.00} XXXXBalance {$160.00} XXXXBalance {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Please be advised that XXXX XXXXXXXX XXXX took me to court to collect funds for their Charged Off account. The court has dismissed their motion XX/XX/XXXX. 
However, XXXX XXXXXXXX XXXX reported me again to Equifax in XX/XX/XXXX. I'm attaching the appropriate pages from the Credit Report and the copy of dismissal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
On XXXX XXXX, I sent a certified letter to National Recovery Agency. This company did received my certified mail and failed to validate this debt. 

Name : National Recovery Agency Address : XXXX XXXX XXXX XXXX, PA XXXX Re : Account Number XXXX Amount : XXXX I have requested that National Recovery Agency verify this debt and send me all contracts and documents between myself and them bearing my signature. I don't have or have had any business with this company in the past or currently. Instead of sending me the documents requested. The National Recover Agency committed a clear HIPPA violation. I did not sign a HIPPA form authorizing National Recovery Agency to access any of my medical records. My HIPPA rights and privacy has been violated. This has a severe negative affect on me as a consumer and is in violation of the fair credit reporting act and HIPPA. This company failed to validate this debt and put this item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from my credit files with all 3 major credit reporting agencies not to resurface on my credit file again.

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 2021-11-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I never received a " True Bill of Commerce ''. I have not entered into any contracts with this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: DISCOVER BANK
State: PA

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has placed inaccurate on credit report and the dates are followed Closed XX/XX/XXXX and XXXXXXXX XXXX date is XX/XX/XXXX. There is inaccurate information being reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: GU

Complaint narrative:
I received an auto notice for my Macy 's statement, but the link does not work and I have been unable to review my statement or make payment online. About a month later, I received an email and phone call from Citibank stating that I am delinquent! 

This is actually the XXXX  time this has happened to me. I have tried re-registering the card online, but it says I am already registered. 

I have tried to find an email address for Macy 's, but no luck. I have called and just get transferred from one voicemail box to another. 

I paid my balance online to avoid delinquency on my credit report, but I still don't know what that payment is for. Please help 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 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received several phone calls from a ADS company stating that I owed money from an old Wells Fargo account which turned out to be around {$96.00} they stated that the amount was XXXX something dollars after I told him that I didn't know old {$9000.00} they told me they were gon na go ahead and follow a lawsuit with the state XXXX XXXX XXXX  court and go forward and do a lein on my account. They had all my information all my known address zip code address even my social security and they wanted me to go ahead and pay them fee of {$900.00} to remove the XXXX ' they went ahead and charged my XXXX account and took away the money

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