vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am writing the CFPB to inform you of the improprieties conducted on behalf of Credit COLLECT XXXX XXXX XXXX XXXX. Credit COLLECT XXXX XXXX XXXX XXXX has no Proof of Authority, written consent, or court order that gives them permission to report anything about XXXX XXXX XXXX publicly. The FDCPA Fair Debt Collection Practices Act was put in place to protect consumers from such trespasses. XXXXXXXX XXXX is in direct violation of my right to privacy as pursuant to the Bill of Rights. Credit COLLECT XXXX XXXX XXXX XXXX is Defaming my name and character to the public and is also in violation of the US Constitution. These discriminatory transactions that are being reported are impacting my ability to attain goods like buying a home for my personal, family, or household needs. My intent is to seek remedy in Federal Court

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX BANK XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; BANK XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original creditor : XXXX BANK ) XXXX Balance : {$650.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ( XXXX XXXX ) ) XXXX Balance : {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX BANK NA Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on 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 2023-02-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 166b creditor may not treat a payment on an account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I made the initial call to Ally Financial to get a Lien Release letter sent to the XXXX XXXX XXXX office. I am a former customer and my car has been paid off. I needed this information as soon as possible. I gave my information to the agent and was told that it will be three business days. I called back XXXX XXXX to find out what the issue was and yet again, had to give my information all over again only to be told that it will be another 3 business days to hear back and 7-10 before I receive the letter in the mail. This time, they stated that it was VIN number issue. I repeated clearly the VIN number. Ally had my number and knew I had made a few calls regarding this, why didn't anyone call back if the agent didn't understand me. I waited because I was told that this was going to be done, but I hadn't received any information. I called again on XX/XX/XXXX, and the agent assured me that it was going to be filed and mailed out to me. Again, I waited but nothing has been mailed or faxed over to the XXXX XXXX clerks office. I called XX/XX/XXXX, and I asked for a manager. The agent wouldn't transfer me over. I gave the reference number that I was given each and every time an agent so they could find my request. I have at least 4 references numbers and have been transferred to numerous departments that are unable to help me due to a hold up in 1 particular department. I have been respectable and patient but I must handle the other business and can't get it done due to Ally Financial. 
1st Reference # XXXX, XXXX These are all the references numbers I have been given, yet I haven't received a letter or fax yet.

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 2023-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
on XX/XX/23 i was added by a person on XXXX and they said they were looking for a friend just someone to talk to and in exchange they would pay me XXXX $ weekly I assumed it was a scam and called them a scam and they said they had " worked to hard to be insulted and be called such things as a scammer, and if you dont want my help then ill just help someone else i make my money in relastate i have no need to scam you. '' this made me rethink it and i said okay and we tlaked a little bit just asking how eaachothers day was that was all until the 2 days later when they texted me asking how my day was and saying that the check was ready to be sent and that they needed my email i said okay and gave it to them and they sent 2 XXXX $ fake checks that i deposited not knowing they were fake two days went by and on XX/XX/23 the fake money was posted in my bank acc ( Bank Of America ) the scammer instructed me to transfer XXXX $ via a XXXX ( i used XXXX XXXX ) they said they would hold the money and give it to me the following weeks if i was " loyal '' they then sent two more XXXX $ checks instructing me to transfer the remaining XXXX $ saying that i would get the money from the new checks i did so and the scammer then blocked me and i received a letter XX/XX/23 saying that the money was fake and was withdrawn back from my acc well sense i didnt know the moeny was fake and the fake money was transfered to the scammer they chargered me and my acc is now XXXX XXXX i called my bank and they said all i could do was file a police 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 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/23 I applied for the Citi/AAdvantage Platinum Select card directly from the XXXXXXXX XXXX website . I was in the process of purchasing flights and it showed that I could pay today and get a statement credit if I purchased the flights with the card when I was in the checkout window. I applied for the card directly from the checkout page where the message was located and received a message that it was pending review. I called XXXX XXXX to ask about purchasing the flights with the card that day because I wanted to purchase them right away and they said I would have to wait until I received the physical card in the mail to purchase the flights. I felt this was deceptive because I would not have applied for the card that day unless I was receiving flight credit for the flights I was purchasing. Also, when I received the card, there was no information about how to earn the XXXX reward miles or the {$250.00} statement credit that was advertised in the material that was sent to me with the card. I did locate a not-so-easy-to-find link when I created an account online for the card about getting the miles ( it showed how much money I have to spend to earn the miles when I clicked on it but I would not have gotten this information if I had not signed up for their online account services ) and I have yet to find any info about the {$250.00} flight credit, so Im not even sure if they will honor that if I purchase another flight. I have signed up for other airline credit cards before and received everything in writing in the packet I received in the mail with the card so I knew what the promotions were and had it in writing.

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 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I requested a 1-month extension for the payment due date of XX/XX/23 through the TD auto finance website. I was approved and paid just the finance charges due for XXXX. I then received an extension agreement form by mail which I signed and faxed to the number listed on the back of the form. I never once received any notification I was over 30-days past due for my auto loan until I attempted to make my XXXX payment. I called and made a {$260.00} payment for XXXX and the collection rep was unable to reach the extension dept to ask what happen to my extension due to they were unavailable, however, the collection rep confirmed it shows I was approved for the extension but the form I sent was not showing as received. Ive called several times during business hours and the collections dept has been unable to reach the extension dept. One of these reps sent an email to the extension team and and promised a call back by phone. I instead received an email from the extension team requesting I resend the form. I do not have a printer so I esigned the form and emailed it to the email provided. I then received an email that Td auto finance does not accept esignatures, this was not explained in the form instructions. This has been difficult trying to resolve as I cant speak to an actually person in the extension dept. I have confirmation the fax was received at the correct fax number and dont feel I should be penalized and marked 30 days late on my credit when I followed the original instructions provided, the company just lost the form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We open a Business account with Truist Bank on XX/XX/2022, Deposit XXXX cumple day later they tell me that my account will be closed, since that they I have txt msg with the president of the bank say she will be give me my check back and nothing yet Is been 5 month not recieved anything, they send my information to the XXXX  I don't know why, I have not recieved nothing.

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 2023-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I have just been informed that im in the check system and can't get the I need because I can't show proof on income, some has used information to opened up some accounts in my name

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 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX XXXX, I experienced a remote access scam whereby a third party gained access to my computer. The scammer transferred money from my savings account to my checking account and then to a third-party account. I lost {$50000.00}. This incident happened in the evening, and I notified my bank first thing the next morning, within 14 hours, about the scam. They told me they would investigate and come back to me with a resolution within 45 days. I still have not heard anything despite repeated attempts to call my bank, Bank of America.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; 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 2023-02-21 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance :- XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received an amount of XXXX on Monday, XXXX XX/XX/2023 at XXXXXXXX XXXX from XXXX XXXXXXXX XXXX with a message go XXXX yourself. I am offended. This person send money through XXXX I tried calling Bank of America, they said they are not responsible for those messages. Please contact me and take necessary action to avoid these kind of issues for fellow Americans.

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 2023-02-21 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: CORELOGIC INC
State: PA

Complaint narrative:
To : Whom It May Concern, I did not consent to, authorize nor benefit from any of the folowing accounts. According to the FAIR DEBT COLLECTION PRACTICES ACT. These compainies has violated my Consumer Rights. I am asking you to immediately stop all collection activities pertaining to these debt accounts, including reports to credit reporting agencies. I also ask that you tell these business where the accounts was opened that this debt is the result of identity theft. In the event of an investigation, Acoording to the FAIR CREDIT REPORTING ACT, Pursuant to 15 USC 1681a ( e ). Please send me a letter explaining what you have done to : 1. Inform the business where the account was opened that the debt is the result of identity theft.

2. Stop collection activities against me.

3.Stop reporting information about the debt to credit reporting agencies.

4.If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft.

5. provide me with the records I requested. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your cooperation Sincerely, 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