vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX handled by TD Financing. 

XX/XX/scrub>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 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 Payment DateXXXX XXXX XXXXXXXX XXXX XXXX XXXX - Checking Payment Returned Late fee AGAIN applied but so far as of XX/XX/scrub>XXXX XXXX XXXX, unable to reach by phone now consisting of 4 days trying. 

When I've called in during the past week, their automated system states XXXX payment of {$130.00}. received and no further payment is due now. 

This is impacting my credit score. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Capital Good Fund
State: TX

Complaint narrative:
Dear Sir or Madam : I am writing to dispute a fraudulent account. I am a victim of identity theft, and I did open this account. I didnt give anyone permission to open this account using my information. I am requesting that the account be closed & removed from my credit report. Please investigate this matter and correct the fraudulent account as soon as possible. In addition, pursuant to FACTA, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Applied for new account, denied. 

Generic email sent with no explanation as to why I was denied. 

Application ID : 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 2024-09-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AR

Complaint narrative:
Me and my wife were given a {$50.00} gift card. Everytime we try to use it we can't. On the back there are instructions to go to XXXX  but it never works. I did some research and others have had this problem as well.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
In XXXX, USAA presented a promotional 0 % APR balance transfer. I made the decision to leverage this promotional offer to cover forthcoming PCS expenses and other expenses. As a XXXX XXXX XXXX  engaged in operational XXXX, I was unaware of incurring a XXXX XXXX cash advance interest rate for the months of XXXX and XXXX, resulting in a total of {$360.00} to date. 

Following a discussion with a USAA representative, it was conveyed to me that the promotional rate was only applicable from XX/XX/XXXX to XXXX. Notably, my cash advance request was initiated on XX/XX/XXXX. For this reason, the USAA proceeded to charge the standard cash advance interest rate without prior notification and informed consent. 

it clearly indicated USAA violates Consumer Financial Protection Act. The USAA misrepresent or fails to clearly disclosed the terms and condition of promotional service that they offers to service member, and fails to obtain consumers informed consent regarding what is being charged. It is a predatory lending targeting service member with unfair deceptive tactics to taking a advantage of service member. As the major bank, USAA should be transparent with consumers. 

I am paying excessively high interest that I was not informed about and did not agree to. This has put me in a difficult position while I am away from home serving the country.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After checking my credit report, I discovered multiple billing inaccuracies. The late payments recorded do not reflect my normal payment pattern.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Dispute of Inaccurate Debt Reporting by Resurgent Capital Funding / LVNV Funding Account Number : XXXX To Whom It May Concern : I am filing this complaint regarding the inaccurate reporting of an account that was sold to Resurgent Capital Funding, account number XXXX. I have attempted to dispute this account on several occasions, including on XX/XX/2024, and XX/XX/2024, through certified mail to XXXX, XXXX, XXXX, and directly with Resurgent Capital Funding/DBA LVNV Funding. 

I am not liable for this debt with XXXX XXXX, and I have repeatedly requested validation of this debt, including an original contract with my signature. Resurgent Capital/LVNV Funding has been unable to provide the requested documentation, making this debt invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I do not believe the debt that is reporting on my credit is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: MN

Complaint narrative:
Saturday, XXXX XXXX I emailed the lending institution that granted me a loan for a future cruise with XXXX XXXX XXXX XXXX XXXX. The loan was originated on XXXX online and paid above business in full for a cruise to sail on XX/XX/XXXX through XXXX, XXXX. After, horrible customer service ( agents hanging the phone up on me ) and receiving threaten emails to cancel my reservation for not having a credit card on file ( because my account was paid in full on XXXX by Uplift ). XXXX XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX offered me a full refund to be paid within 7 days. This was on XX/XX/year>. However, as of today, no such refund has been received. Also, XXXX XXXX never had a reservation in my name. I wrote the Kentucky Attorney General ( the state the business is operating in ), XXXX XXXX XXXX and Federal Trade Commission ( See attachments ). The business didn't respond to any of the inquiries and the complaints were closed. I contacted Uplift, however, you can't speak to a human and they stated I'm still obligated for the loan. My last action to try and mitigate this matter, I disputed the debt on my credit reports. I'm out of {$3600.00} + interest {$970.00}. The business has promised a refund numerous of times but no refund has been received and there was never a reservation in my name. I informed Uplift and they stated I'm still responsible for the loan even though no goods or service the loan was for was received. I'm trying to keep my credit picture in tact and I'm not working right now due to an injury and my money is greatly needed. I have a payment due on the first of every month in the amount of {$190.00}. I'm paying for a service that I never received and there was never a reservation in my name. I also tried calling XXXX XXXX, but because I booked through a third party, they instruct you to call the booking/travel organization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After a detailed review of my recent credit report, I found multiple accounts that I believe were added without my consent and are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
I would like to draw your attention to XX/XX/XXXX - XXXX sent my complaint letter to Crypto.com, in which I clearly stated how this scam has affected me personally, psychologically, and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Crypto.com never acknowledges my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
General Obligation : Commencing on or about XX/XX/XXXX, I fell victim to a multi-layered scam operation run by XXXX, XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This is a continuance of claim # XXXX. 

Once again, Bank of America is NOT providing this agency with the full accounts of my initial claim nor the total facts of the claim. So since they want to play game, we will also file this complaint with the Controller Office. 

I have attached exhibit " A ''. After months of begging BOA for actions against XXXX XXXX XXXX with no success, we filed the complaint here with the CFPB. It was ONLY then did we started seeing any actions being taken by the bank. 

Now instead of completely helping us against XXXX, they decided to close our account. We have been with BOA in one fashion or the other for over 15 years. And they use a sorry of an excuse of two specialty consumer agencies. We truly believe after 15 plus years the other reason they came to this decision was because of reporting this issue to your agency. Exhibit " B '' After they sent this bogus letter to us, they still allowed charges on our account ending XXXX. Now the {$12.00} they claim is short. We are owed a total of {$52.00} and we want every dime. EXHIBIT " A ''. 

Now let 's discuss my original claim dated XX/XX/year>. We have attached Exhibit " C ''. After BOA customer agency fail down on the job once again, we had to re-fax the attached. Our initial complaint against XXXX started on XXXX of 2023, We were told to go back to the vendor and try to work out a XXXX. We did that for three month ( See Exhibit " C '' ) communication with various XXXX agents. 

XXXX told us still we filed a complaint with BOA, all credits were with BOA and not them. We went back to BOA with this story. BOA claimed they did not. We got sick and tired of being in the middle of this issue and that is how these complaints were born. 

Per the attached, the amount demand from XXXX since we DID NOT get work paid for was {$6000.00}. And again, we want every dime of it. 

BOA claimed some claims were out of there jurisdiction and that was nothing but an excuse. We started this claim or tried to start this claim in XXXX of 2023. We follow THERE orders to go to XXXX during that time. After three months of getting nowhere with XXXX, we came back to BOA in XX/XX/year>. So we should not be penalized for following the order of the Bank. 

So we demand a certified check for the balance of the {$52.00} and the balance of the claim of {$2400.00}. 

And because the bank decided to retaliate against my firm XXXX XXXX XXXX, XXXX and me personally, we will also file this complaint with the Office of The Controller and Currency.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint because my credit report contains outdated and incorrect addresses. I have not lived at these addresses for several years, and they are no longer associated with any active accounts. I believe their inclusion may negatively impact the accuracy of my report. I request that these addresses be removed from my credit report to reflect my current information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint because my credit report contains outdated and incorrect addresses. I have not lived at these addresses for several years, and they are no longer associated with any active accounts. I believe their inclusion may negatively impact the accuracy of my report. I request that these addresses be removed from my credit report to reflect my current information accurately.

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 2024-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
I applied for XXXX XXXX and was told that as long as I was still in process that my loan repayment would be in forbearance. However I began receiving noticies that I was behind on payment. Now Im being told I need to call every 60 days to extend forbearance which is not what they had originally told me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The following hard inquiries reflect on both my XXXX and Equifax credit report and I have not initiated any transactions with such company, nor do I have an account with them for review or collection purposes. Therefore, there is no valid reason for them to access my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Synovus Bank
State: IL

Complaint narrative:
The day of XX/XX/year> consumer called first progress to access an account the consumer was prompted to enter card number after consumer received a message to activate a card. Multiple times.Consumer called to speak to a representative consumer informed the representative that there was a problem accessing the account.The representative stated Multiple things that could be a factor but unsure.The consumer informed representative the card was set to expire in XX/XX/year> but not yet expired which delayed a payment so consumer requested a new card multiple times during the call. Consumer asked the representative not to add funds to an account that can not be accessed with the card since it could not be used.The representative stated the computer generates a card.The consumer can not be accountable for the actions of the computer or the issuer.Consumer stated to the representative that a return call would be if nothing changes.Late XXXX approximately XXXX or XXXX still no card .Consumer called and spoke to another representative by the name of echo consumer told representative they have not received a card and I was requesting again to get a card. Late XXXX approximately XXXX XXXX still no card consumer spoke to a supervisor by the name of XXXX said he refuse to send a card and that it was the consumer fault. Consumer not able to use funds til this day. still haven't received a new card XXXX XXXXUnfair credit reporting .denial of available credit. Knowingly denial of available credit.pain and suffering. First progress is being accused of.First progress ask consumer to pay for access to available credit at a time when the economy is very challenging first progress and its staff has negatively impacted various areas of the consumers life being denied of my available credit its been over 90 days still no access to my available funds im asking for an investigation with timely resolve seeking maximum compensation that is allowed by law

Company response to consumer: Closed with explanation